130
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements for the Year Ended
31 December 2012
İŞBANK
ANNUAL REPORT 2012
Credit risk is the risk reduction effects without taking into consideration the total amount of exposures after offsetting transactions with
different risk classes according to the types and amounts of disaggregated risks are listed below the average for the period.
Exposure Categories
(1)
Current Period
Risk Amount
Average
Risk Amount
(2)
Exposure Categories
Conditional and unconditional exposures to central governments or central banks
54,002,741
54,901,062
Conditional and unconditional exposures to regional governments or local authorities
63,963
53,165
Conditional and unconditional exposures to administrative bodies and non-commercial
undertakings
228,823
206,760
Conditional and unconditional exposures to multilateral development banks
Conditional and unconditional exposures to international organizations
Conditional and unconditional exposures to banks and brokerage houses
9,821,545
7,780,615
Conditional and unconditional exposures to corporates
70,230,895
69,149,242
Conditional and unconditional retail exposures
35,726,534
34,054,939
Conditional and unconditional exposures secured by real estate property
8,941,070
9,104,887
Past due items
426,384
360,544
Items in regulatory high-risk categories
8,892,699
8,116,383
Exposures in the form of bonds secured by mortgages
Securitisation positions
Short term exposures to banks, brokerage houses and corporates
Exposures in the form of collective investment undertakings
382,649
241,584
Other items
12,669,707
12,298,677
(1)
Includes total risk amounts before the effect of credit risk mitigation but after credit conversions.
(2)
Average risk amounts are the arithmetical average of the amounts in monthly reports prepared starting from the date of publication of the Regulation on Measurement and Assessment of Capital
Adequacy Ratios of Banks” (1 June 2012) to the period end.
2.
There are certain control limits on forward transactions in terms of counter parties, and the risks taken for derivative instruments are
evaluated along with other potential risks resulting from the market fluctuations.
3.
As a result of the current level of customers’ needs and the progress in the domestic market in this particular area, the Bank uses
derivative transactions either for hedging or for commercial purposes.
Derivative instruments with a remarkable volume are monitored with consideration that they can always be liquidated in case of need.
4.
Indemnified non-cash loans are considered as having the same risk weights as unpaid cash loans.
The rating and scoring systems applied by the Bank, includes detailed company analysis and enables rating of all companies and loans
without any restrictions regarding credibility. Loans and companies, which have been renewed, restructured or rescheduled, are rated
within the scope of this system. Specialized loans are evaluated by a special rating system, which is based on the credibility of the
counterparty as well as the feasibility and risk analysis of the cash flows created mainly by the projects undertaken or the asset financed.
5.
Lending transactions abroad are conducted by determining the country risks of related countries within the context of the current rating
system and by taking the market conditions, country risks, and the relevant legal limitations into account. Furthermore, the credibility of
banks and other financial institutions established abroad is examined within the framework of the rating system that has been developed
and credit limits are assigned accordingly.
6.
(i) The share of the Bank’s receivables from the top 100 and 200 cash loan customers in the overall cash loan portfolio stands at 22%,
29%, respectively (31.12.2011: 25%, 31%).
(ii) The share of the Bank’s receivables from the top 100 and 200 non-cash loan customers in the overall non-cash portfolio stands at 44%,
55% respectively (31.12.2011: 48%, 58%).
(iii) The share of the Bank’s cash and non-cash receivables from the top 100 and 200 loan customers in the overall cash and non-cash loans
stands at 15%, 20%, respectively (31.12.2011: 16%, 21%).
Companies that are among the top loan customers ranked according to cash, non-cash and total risks are leaders in their own sectors, the
loans advanced to them are in line with their volume of industrial and commercial activity. A significant part of such loans is extended on a
project basis, with their repayment sources being analyzed in accordance with the banking principles to be considered as satisfactory and
associated risks are determined and duly covered by obtaining appropriate guarantees when deemed necessary.
7.
The total value of the general provisions allocated for credit risk stands at TL 1,613,677.
1...,122,123,124,125,126,127,128,129,130,131 133,134,135,136,137,138,139,140,141,142,...300