64
Q4 2005 Loan Detail: Performing Loans
Loan Profile: Q4 Performing Loans Rp 60,772 bn Bank Only
46.1 are to Corporate customers 41.9 are to Commercial customers
81.9 have no restructuring history
16.5 are Restructured loans
0.2 were purchased from IBRA
Primary sectors in Category 2 are:
¾
FB Manufacturing
¾
Agriculture
¾
Construction
¾
Chemical manufacturing
73.7 are Rupiah loans
55.1 are Working Capital loans
85.8 saw no change in collectibility
0.2 were upgraded from NPL Rp 60,772 billion 60.6 of total loans
in Corporate, Commercial Small Business loans were performing in Q4.
Of these performing loans in Q4:
Excluding Micro Consumer Loans Only
Corp Comm
Small
O rga
ni c
Restr IBRA
OS
Mfg-Oth Mfg-FB
Agri Constr
Mfg-Chem Bus Serv
Trading-Ret Trading-Oth
Trading-Distr Oth5
ID R
US D
WC Invest.
Export Program
Other
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
65
25, 123
29, 542
23, 987
21, 045
21, 551
19, 427
27, 423
10, 583
1999 Ad
d Deduc
t 2000
Ad d
Deduc
t 2001
Ad d
Deduc
t 2002
Ad d
Deduc
t 2003
Ad d
Deduc
t 2004
Ad d
Deduc
t 9 M
o. 05
Ad d
Deduc
t Q4
5
Others Write-Offs
Repayments Restructuring
Balance
Limited Restructured Loan Activity in Q4
IDR bn
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
Loans by Restructuring Type in Q4 2005
Additional loans
3 LT loans
wconvert. option
8 Maturity
extension wreduced
rates 12
Maturity extension
wother restrg
27 Maturity
extension 50
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for
unpaid interest
Restructured Loan Movement 1999 - Q4 ‘05
484 8
Q4 ‘05
813 391
FY ‘04
1,118 634
NPL Collections 718
710 Loans Restructured
FY ‘05
9 Mo. ‘05
Rp billions
66
Q4 2005 Loan Detail: Restructured Loans
Loan Profile: Q4 Restructured Loans Rp 19,421 bn Bank Only
59.0 are performing
77.9 of loans in Category 2 are current in interest payments
Of the 41.0 which are in NPL, 21.5 are current in interest payments
Primary sectors are:
¾
Agriculture
¾
Manufacturing
• Chemicals
• Textiles
• Pulp Paper
• F B
54.3 are Rupiah loans
35.8 are Investment loans
67.6 are to Corporate customers
22.3 deteriorated in collectibility Of the remaining Rp 19,421 billion in
restructured Corporate, Commercial Small Business loans in Q4, or 19.4
of total loans:
1 2
3 4
5
Cur ren
t 30 Days
31-60 Days 61-90 Days
90+
Mfg-Oth Agri
Mfg-Text Mfg-Chem
Mfg-FB Mfg-PP
Mfg-NonM Bus Serv
Trading Oth5
IDR USD
In ve
st .
WC Synd.
Export Program
Cor p
Co m
m Small
NPL DG NPL NC
NPL UG DG to NPL
PL DG PL NC
PL UG
10 20
30 40
50 60
70 80
90 100
Collect. NPL Aging
Sector Currency
Purpose GAS
Movement
Excluding Micro Consumer Loans Only
67
Q4 2005 Loan Detail: IBRA Loans
Loan Profile: Q4 Restructured Loans Rp 4,771 bn Bank Only
22.4 are performing
95.0 of loans in Category 2 are current in interest payments
Of the 77.6 which are in NPL, 19.5 are current in interest payments
Primary sectors are:
¾
Manufacturing
• Pulp Paper
• Wood
• Textiles
¾
Construction
84.3 are US Dollar loans
37.7 are Syndicated loans, with another 34.3 Investment loans
83.7 are to Corporate customers
11.5 deteriorated in collectibility during the quarter
Rp 4,771 billion in loans purchased from IBRA remain on the books as of
Q4, accounting for 4.8 of total loans:
1 2
3 4
5
Cur ren
t 30 Days
61-90 Days 90+
Mfg-PP Mfg-Wood
Constr Mfg-Oth
Mfg-Text Trading
Mfg-Chem Agri
Oth5
USD IDR
Sy n
d .
Invest. WC
Export Program
Cor p
Com m
Small
NPL DG NPL NC
NPL UG DG to NPL
PL NC
10 20
30 40
50 60
70 80
90 100
Collect. NPL Aging
Sector Currency
Purpose GAS
Movement
Excluding Micro Consumer Loans Only
68
Loan Portfolio Sector Analysis, Q4 2005
1 Non-consolidated numbers
Each sector 4
Constr 9.2
Agri 10.4
Oth4 14.4
Trading-Distr 4.0
Trading-Ret 4.6
Mfg-PP 4.6
Trading-Oth 5.4
Mfg-Oth 15.1
Mfg-FB 11.0
Mfg-Chem 8.8
Bus Serv 5.8
Mfg-Text 6.5
Mfg-Oth Mfg-FB
Agri Constr
Mfg-Chem Mfg-Text
Bus Serv Trading-Oth
Mfg-PP Trading-Ret
Trading-Distr Oth4
69
1 2
3 4
5
C u
rre n
t 30
31-60
Mfg-FB Mfg-Oth
Mfg-Chem Agri
Mfg-PP Trading
Mfg-Text Constr
Oth5
IDR USD
WC Invest.
Synd. Export
Other
O rgani
c Restr
IBRA OS
New Bal. NPL DG
NPL NC DG to NPL
PL DG PL NC
PL UG
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
62.7 are performing loans, with 11.7 in Category 2
