TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2012
258
İŞBANK
ANNUAL REPORT 2012
e.10.3.
Information on the Group’s foreign currency non-performing loans and other receivables:
Group III
Group IV
Group V
Loans and Receivables
with Limited
Collectability
Loans and Receivables
with Doubtful
Collectability
Uncollectible Loans
and Other Receivables
Current Period:
Period Ending Balance
14,521
26,796
82,476
Specific Provisions (-)
3,219
10,488
65,938
Net Balance on Balance Sheet
11,302
16,308
16,538
Prior Period:
Period Ending Balance
39,326
10,303
73,367
Specific Provisions (-)
39,326
10,303
73,367
Net Balance on Balance Sheet
e.10.4.
Information on gross and net non-performing loans and receivables as per customer categories:
Group III
Group IV
Group V
Loans and Receivables
with Limited
Collectability
Loans and Receivables
with Doubtful
Collectability
Uncollectible Loans
and Other Receivables
Current Period (Net)
Loans to Individuals and Corporate (Gross)
281,477
455,384
1,370,005
Specific Provisions (-)
57,272
225,595
1,324,295
Loans to Individuals and Corporate (Net)
224,205
229,789
45,710
Banks (Gross)
70
Specific Provisions (-)
70
Banks (Net)
Other Loans and Receivables (Gross)
47,546
Specific Provisions (-)
47,546
Other Loans and Receivables (Net)
Prior Period (Net)
Loans to Individuals and Corporate (Gross)
178,702
164,051
1,681,207
Specific Provisions (-)
178,702
164,051
1,681,207
Loans to Individuals and Corporate (Net)
Banks (Gross)
82
Specific Provisions (-)
82
Banks (Net)
Other Loans and Receivables (Gross)
35,006
45,028
5,343
Specific Provisions (-)
35,006
45,028
5,343
Other Loans and Receivables (Net)
e.11.
Main principles of liquidating for uncollectible loans and other receivables:
In order to ensure the liquidation of non-performing loans, all possibilities evaluated to ensure maximum collection according to the
legislation. First of all, administrative initiatives are taken to deal with the borrower. Collection through legal proceedings used if there is no
possibility of collection and configuration with the interviews for other receivables.
e.12.
Explanations on write-off policy:
When the failure to obtain due to lack of legal follow-up, because of the absence of redeemable assets of debtors or although conversion of
all the assets of debtors with the scope of legal follow-up, there is a remaining receivable balance, receivable, by such evidence is available
on borrowers, reduced to one. Such evidence cannot be obtained, uncollectible receivables are written-off by the destruction
1...,250,251,252,253,254,255,256,257,258,259 261,262,263,264,265,266,267,268,269,270,...300