Türkiye İş Bankası A.Ş.
Notes to the Unconsolidated Financial Statements
for the Year Ended 31 December 2015
112 İşbank
Annual Report 2015
11. The aging analysis of the loans past due but not impaired is as follows:
Current Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
Corporate / Commercial Loans
318,591
55,111
39,198
412,900
Consumer Loans
150,609
55,067
23,975
229,651
Credit Cards
496,529
152,028
65,410
713,967
Total
965,729
262,206
128,583
1,356,518
(1)
The balance of the loans that are classified as closely monitored although they are not past due or past due for less than 31 days is TL 2,251,541.
(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 640,792 and TL 1,399,842 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 505,559 and TL 538,059 respectively.
Prior Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
Corporate / Commercial Loans
255,992
46,517
29,711
332,220
Consumer Loans
111,010
38,005
14,614
163,629
Credit Cards
458,529
127,508
55,121
641,158
Total
825,531
212,030
99,446
1,137,007
(1)
The balance of the loans that are classified as closely monitored although they are not past due or past due for less than 31 days is TL 1,702,297.
(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 414,283 and TL 1,025,345 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 310,158 and TL 366,128 respectively.
12. Profile of significant exposures in major regions
Current Period
Domestic
European
Union
OECD
Countries
(2)
Off-Shore
Banking
Regions
USA,
Canada
Other
Countries
Investments
in Associates,
Subsidiaries
and Jointly
Controlled
Entities
Undistributed
Assets/
Liabilities
(3)
Total
Risk Groups
(1)
Contingent and Non-Contingent Receivables
from Central Governments or Central Banks
74,983,459
506
677,752
75,661,717
Contingent and Non-Contingent Receivables
from Regional Government or Domestic
Government
44,908
1,491
46,399
Contingent and Non-Contingent Receivables
from Administrative Units and Non-
Commercial Enterprises
243,096
248
243,344
Contingent and Non-Contingent Receivables
fromMultilateral Development Banks
308
215
523
Contingent and Non-Contingent Receivables
from International Organizations
Contingent and Non-Contingent Receivables
from Banks and Intermediaries
2,374,263 5,263,225 367,826
43,286 341,384 637,534
9,027,518
Contingent and Non-Contingent Corporate
Receivables
118,980,912 3,035,295
6,790
555 2,617,841 2,738,941
127,380,334
Contingent and Non-Contingent Retail
Receivables
37,285,672
116,124
14,432
227
8,297 179,825
37,604,577
Contingent and Non-Contingent Receivables
Secured by Residential Property
33,006,061
134,461
25,749
6
9,660 305,331
33,481,268
Non-Performing Receivables
895,393
995
30
46
672
897,136
Receivables are identified as high risk by
the Board
13,883,832
41,881
5,683
141
3,814 286,817
14,222,168
Secured Marketable Securities
Securitization Positions
Short-term Receivables and Short-term
Corporate Receivables from Banks and
Intermediaries
Investments as Collective Investment
Institutions
Other Receivables
8,602,373
9,393,598
17,995,971
Total
290,299,969 8,592,795 420,510 44,215 2,981,257 4,828,611 9,393,598
316,560,955
(1)
Risk amounts before the effect of credit risk mitigation but after the credit conversions.
(2)
OECD countries other than EU countries, USA and Canada
(3)
Assets and liabilities that are not consistently allocated
