INTRODUCTION
ACTIVITIES
CORPORATE GOVERNANCE
FINANCIAL INFORMATION AND RISK MANAGEMENT
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2012
225
İŞBANK
ANNUAL REPORT 2012
8.
The Parent 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 the behavior rating/scoring results.
9.
The net values of the collaterals of the Group’s 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)
608,935
608,935
583,715
583,715
Vehicle Pledge
140,837
140,837
80,584
80,584
Cash Collateral (Cash provisions, securities pledge, etc.)
19,538
19,538
11,216
11,216
Pledge on Wages
127,790
127,790
72,823
72,823
Cheques & Notes
30,673
30,673
18,299
18,299
Other (Suretyships, commercial enterprise under pledge,
commercial papers, etc.)
183,211
183,211
86,077
86,077
Interest and Income Accruals
833,603
629,600
Total
1,110,984
1,944,587
852,714
1,482,314
(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 figure s are considered to be the net value of collaterals.
1...,217,218,219,220,221,222,223,224,225,226 228,229,230,231,232,233,234,235,236,237,...300