52
97.5 were to Corporate borrowers
74.1 were loans with no previous restructuring history
16.6 were loans previously restructured
Largest upgrades by sector:
¾
T extile Manufacturing
¾
Fisheries
82.1 were U SD loans
53.6 were W orking Capital loans
99.2 of upgrades to PL were N PLs moving to Category 2
Corp Comm
Small
OS Post-merger
Restr
IBRA LC
M fg
-T e
x t
F is
h e
rie s
Oth5
USD IDR
W C Invest.
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
Q 2 2006 Loan D etail: Upgrades to PL
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in Q2
totaled Rp 1,414 billion 1.4 of total loans. Of these loans:
Loan Profile: Q2 U pgrades to PL Rp 1,414 bn - Bank Only
53
Loan Profile: Q2 Performing Loans Rp 60,672 bn Bank Only
47.9 are to Corporate customers 40.1 are to Commercial customers
84.1 have no restructuring history
15.9 are Restructured loans
1.6 were purchased from IBRA
Primary sectors are:
¾
FB Manufacturing
¾
Agriculture
¾
Construction
¾
Chemical manufacturing
74.5 are Rupiah loans
56.5 are W orking Capital loans
88.2 saw no change in collectibility
2.3 were upgraded from N PL Rp 60,672 billion 60.6 of total loans
in Corporate, Commercial Small Business loans were performing in Q2.
Of these performing loans in Q2:
Excluding Micro Consumer Loans Only
Corp Comm
Small
P o
st -m
e rg
e r
Restr OS
Other
Mfg-Oth Mfg-FB
Agri Constr
Mfg-Chem Trading-Ret
Trading-Oth Bus Serv
Trading-Distr Oth5
IDR USD
W C Invest.
Export Other
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
54
2 5
,1 2
3 2
9 ,5
4 2
2 3
,9 8
7 2
1 ,0
4 5
1 9
,4 2
7 1
8 ,9
4 2
1 8
,6 1
6 2
7 ,4
2 3
1 ,5
8 3
1 9
9 9
A d
d D
e d
u c
t 2
A d
d D
e d
u c
t 2
1 A
d d
D e
d u
c t
2 2
A d
d D
e d
u c
t 2
3 A
d d
D e
d u
c t
2 4
A d
d D
e d
u c
t 2
5 A
d d
D e
d u
c t
Q 1
6 A
d d
D e
d u
c t
Q 2
6
Others Write-Offs
Repayments Restructuring
Balance
Limited Restructured Loan Activity in Q 2 ‘06
IDR bn
O thers includes partial payments, FX impacts, and fluctuation in W orking Capital facilities
Loans by Restructuring T ype in Q2 2006
Additional loans 2
LT loans wconvert.
option 8
Maturity extension
wreduced rates 12
Maturity extension
wother restrg
26 Maturity
extension 52
O ther Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 1999 - Q 2 ‘06
228 19
Q 1 ‘06
564 1
Q2 ‘06
813 391
FY ‘04
1,118 N PL Collections
718 Loans Restructured
FY ‘05 Rp billions
55
Loan Profile: Q2 Restructured Loans Rp 18,611 bn Bank Only
52.4 are performing
