TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2012
226
İŞBANK
ANNUAL REPORT 2012
10.
The net values of the collaterals of the Group’s 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)
444,835
444,835
471,143
471,143
Cash Collateral
36
36
551
551
Vehicle Pledge
61,440
61,440
91,382
91,382
Other (suretyships, commercial enterprise under pledge,
commercial papers, etc.)
47,708
47,708
74,476
74,476
(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.
11.
The aging analysis of the loans past due but not impaired in terms of financial asset classes, is as follows:
Current Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans:
866,521
178,713
87,553
1,132,787
Corporate / Commercial Loans
(4)
361,218
29,669
23,771
414,658
Consumer Loans
83,474
33,801
15,509
132,784
Credit Cards
421,829
115,243
48,273
585,345
Lease Receivables
(5)
11,291
3,087
2,251
16,629
Insurance Receivables
78,027
13,001
5,815
96,843
Total
955,839
194,801
95,619
1,246,259
(1)
The balance of loans, which are not past due or which are classified under closely monitored although being past due for less than 31 days, stands at TL 1,201,982.
(2)
Related figures show only overdue amounts of installment based commercial loans and installment based consumer loans; the principal amounts of the loans which are not due as of the balance
sheet date are equal to TL 406,160 and TL 586,342 respectively.
(3)
Related figures show only overdue amounts of installment based commercial loans and installment based consumer loans; the principal amounts of the loans which are not due as of the balance
sheet date are equal to TL 218,097 and TL 258,242 respectively.
(4)
The balance includes factoring receivables
(5)
Includes only overdue installments, the principal amount which is not due as of the balance sheet date is TL 165,972.
Prior Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
724,471
164,310
111,586
1,000,367
Corporate / Commercial Loans
(4)
399,726
19,851
15,308
434,885
Consumer Loans
26,164
22,548
10,710
59,422
Credit Cards
298,581
121,911
85,568
506,060
Lease Receivables
(5)
5,832
1,746
1,341
8,919
Insurance Receivables
48,140
12,625
4,095
64,860
Total
778,443
178,681
117,022
1,074,146
(1)
The balance of loans, which are not past due or which are classified under closely monitored although being past due for less than 31 days, stands at TL 835,497.
(2)
Related figures show only overdue amounts of installment based commercial loans and installment based consumer loans; the principal amounts of the loans which are not due as of the balance
sheet date are equal to TL 593,465 and TL 314,066 respectively.
(3)
Related figures show only overdue amounts of installment based commercial loans and installment based consumer loans; the principal amounts of the loans which are not due as of the balance
sheet date are equal to TL 183,818 and TL 187,103 respectively.
(4)
The balance includes factoring receivables
(5)
Includes only overdue installments, the principal amount which is not due as of the balance sheet date is TL 160,540.
1...,218,219,220,221,222,223,224,225,226,227 229,230,231,232,233,234,235,236,237,238,...300