INTRODUCTION
ACTIVITIES
CORPORATE GOVERNANCE
FINANCIAL INFORMATION AND RISK MANAGEMENT
131
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements for the Year Ended
31 December 2012
İŞBANK
ANNUAL REPORT 2012
8.
The Bank measures the quality of its loan portfolio by applying different rating/scoring models on cash commercial/corporate loans, retail
loans and credit cards. The breakdown of the rating/scoring results, which are classified as “Strong”, “Standard” and “Below Standard” by
considering their default features, is shown below.
The loans whose borrowers’ capacity to fulfill their obligations is very good, are defined as “Strong”, whose borrowers’ capacity to fulfill its
obligations in due time is reasonable, are defined as “Standard” and whose borrowers’ capacity to fulfill their obligations is poor, are defined
as “Below Standard”.
Current Period
Prior Period
Strong
51.46%
40.39%
Standard
33.83%
49.68%
Below Standard
5.99%
4.82%
Not Rated/Scored
8.72%
5.11%
The table data comprises behavior rating/scoring results
9.
The net values of the collaterals of the closely monitored loans are given below in terms of collateral types and risk matches.
Current Period
Prior Period
Type of Collateral
Net Value of the
Collateral
Loan Balance
Net Value of the
Collateral
Loan Balance
Real Estate Mortgage
(1)
574,296
574,296
542,046
542,046
Vehicle Pledge
140,164
140,164
80,534
80,534
Cash Collateral (Cash, securities pledge, etc.)
19,074
19,074
11,099
11,099
Pledge on Wages
126,458
126,458
72,823
72,823
Cheques & Notes
30,673
30,673
18,299
18,299
Other (Suretyship, commercial enterprise under pledge,
commercial papers, etc.)
173,691
173,691
81,503
81,503
Non-collateralized
827,175
626,462
Total
1,064,356
1,891,531
806,304
1,432,766
(1)
The mortgage and/or pledge amounts on which third parties have priorities are deducted from the fair values of collaterals in expertise reports; and after comparing the results to the mortgage/
pledge amounts and loan balances, the smallest figures are considered to be the net value of collaterals.
10.
The net values of the collaterals of non-performing loans are given below in terms of collateral types and risk matches.
Current Period
Prior Period
Type of Collateral
Net Value of the
Collateral
Loan Balance
Net Value of the
Collateral
Loan Balance
Real Estate Mortgage
(1)
417,804
417,804
426,461
426,461
Cash Collateral
36
36
26
26
Vehicle Pledge
59,204
59,204
89,065
89,065
Other (suretyship, commercial enterprise under pledge,
commercial papers, etc.)
30,474
30,474
46,618
46,618
(1)
The mortgage and/or pledge amounts on which third parties have priorities are deducted from the fair values of collaterals in expertise reports, and after comparing the results to the mortgage/
pledge amounts and loan balances the smallest figures are considered to be the net value of collaterals.
1...,123,124,125,126,127,128,129,130,131,132 134,135,136,137,138,139,140,141,142,143,...300