180
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements for the Year Ended
31 December 2012
İŞBANK
ANNUAL REPORT 2012
a.6.
Sectoral Risk Concentration of Non-cash Loans:
Current Period
Prior Period
TL
(%)
FC
(%)
TL
(%)
FC
(%)
Agriculture
129,033 1.03
29,364 0.18 114,202 1.15
40,730 0.26
Farming and Stockbreeding
79,722 0.64
21,051
0.13
56,855 0.57
34,295 0.22
Forestry
46,541
0.37
6,790 0.04 56,233 0.57
6,088 0.04
Fishery
2,770 0.02
1,523 0.01
1,114 0.01
347 0.00
Industry
4,261,407 34.07 8,852,299 54.93 3,093,213 31.12 9,217,883 57.93
Mining and Quarrying
125,173 1.00 140,957 0.87 100,355 1.01
120,057 0.75
Manufacturing
2,781,625 22.24 7,069,768 43.87 2,381,402 23.96 7,468,821 46.94
Electricity, Gas, Water
1,354,609 10.83 1,641,574 10.19 611,456 6.15 1,629,005 10.24
Construction
2,145,979 17.16 1,978,878 12.28 1,959,406 19.71 1,990,183 12.50
Services
5,827,196 46.59 3,661,516 22.72 4,663,229 46.91 3,028,888 19.05
Wholesale and Retail Trade
3,431,829 27.44 1,696,793 10.53 2,971,252 29.89 1,596,846 10.04
Hotel and Restaurant Services
106,912 0.85
27,593 0.17 100,326 1.01
17,434 0.11
Transportation and
Communication
403,592 3.23 981,082 6.09 261,017 2.63 844,742 5.31
Financial Institutions
1,154,367 9.23 478,675 2.97 809,012 8.14 262,107 1.65
Real Estate and Rental Services
255,429 2.04 268,301
1.66 247,980 2.49 187,276 1.18
Self-Employed Services
399,197 3.19 194,285 1.20 205,340 2.07 104,368 0.66
Educational Services
18,859 0.15
7,339 0.05
16,043 0.16
6,926 0.04
Health and Social Services
57,011
0.46
7,448 0.05
52,259 0.52
9,189 0.06
Others
143,489 1.15 1,592,451
9.89 110,221
1.11 1,632,050 10.26
Total
12,507,104 100 16,114,508 100 9,940,271 100.00 15,909,734 100.00
a.7.
Non-cash Loans classified under Group I and Group II:
Group I
Group II
TL
FC
TL
FC
Non-cash Loans
12,428,776 15,965,914
78,328
148,594
Letters of Guarantee
12,387,330
9,652,800
78,328
132,936
Bank Acceptances
19,739
1,278,511
Letters of Credit
4,569,589
15,658
Endorsements
Underwriting Commitments of the Securities Issued
Factoring Related Guarantees
Other Guaranties and Warranties
21,707
465,014
b. Information on Derivative Financial Instruments:
Majority of the Bank’s derivative transactions comprise foreign currency and interest rate swaps, forward foreign exchange trading, currency
and interest rate options. Even though some derivative transactions economically provide risk hedging, since all necessary conditions to be
defined as items suitable for financial risk hedging accounting are not met, they are recognized as “held for trading purposes” within the
framework of TAS 39 “Financial Instruments: Recognition and Measurement”.
c. Information Related to Contingencies and Commitments:
As of 31 December 2012, balance of the “Other Irrevocable Commitments” account, which comprised the letters of guarantees, guarantees
and commitments submitted by the Bank pursuant to its own internal affairs, and guarantees given to third parties by other institutions in
favor of the Bank and the commitments due to housing loans extended within the scope of unfinished house projects followed, amounts to
TL 5,226,491. As of 31 December 2012 liability of the Bank regarding the cheques given to customers is presented under off balance sheet
commitments, as per the related regulations is amounting to TL 6,214,562. In case the cheques presented for payment to beneficiaries are
not covered, the Bank will be obliged to pay the uncovered amount up to TL 615 (full amount expressed) for the cheques that are subject to
the Law numbered 3167 on “the Regulation of Payments by Cheque and Protection of Cheque Holders”, within the framework of the Law
numbered 6273 on “Amendments in the Cheque Law”, which came into effect after being published in the Official Gazette dated 3 February
2012, and up to TL 1,045 (full amount) for the cheques that are subject to the “Cheque Law” numbered 5941. The uncollected amount will
be followed under “Indemnified Non-Cash Loans”.
1...,172,173,174,175,176,177,178,179,180,181 183,184,185,186,187,188,189,190,191,192,...300