192 İşbank
Annual Report 2015
Türkiye İş Bankası A.Ş.
Notes to the Consolidated Financial Statements
for the Year Ended 31 December 2015
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:
978,416
276,479
132,854
1,387,749
Corporate / Commercial Loans
(4)
330,159
67,925
42,587
440,671
Consumer Loans
151,728
56,526
24,857
233,111
Credit Cards
496,529
152,028
65,410
713,967
Lease Receivables
(5)
12,994
4,760
17,342
35,096
Insurance Receivables
119,128
23,594
11,863
154,585
Total
1,110,538
304,833
162,059
1,577,430
(1)
Loans, which are neither past due nor are classified under closely monitored although being past due for less than 31 days, are amounting to TL 2,411,542
(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 649,346 and TL 1,410,514 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 512,447 and TL 551,673 respectively.
(4)
The balance includes factoring receivables.
(5)
Includes only overdue installments, total principal amounts which are not due as of the balance sheet date is TL 210,022. Loans overdue between 91-150 days are amounting to TL 1,098.
Prior Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
830,321
267,176
116,087
1,213,584
Corporate / Commercial Loans
(4)
260,773
101,251
45,441
407,465
Consumer Loans
111,019
38,417
15,525
164,961
Credit Cards
458,529
127,508
55,121
641,158
Lease Receivables
(5)
7,357
3,470
1,992
12,819
Insurance Receivables
89,760
13,191
3,148
106,099
Total
927,438
283,837
121,227
1,332,502
(1)
Loans, which are neither past due nor are classified under closely monitored although being past due for less than 31 days, are amounting to TL 1,813,300.
(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 415,407 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 323,633 and TL 367,895 respectively.
(4)
The balance includes factoring receivables
(5)
Includes only overdue installments, the principal amounts which are not due as of the balance sheet date is TL 285,819. Loans overdue between 91-150 days are amounting to TL 1,018.
12. Profile of Significant Risk 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
Unallocated
Assets/
Liabilities
(3)
Total
Risk Groups
(1)
Contingent and Non-Contingent
Receivables from Central Governments or
Central Banks
82,238,735
3,738
677,752
82,920,225
Contingent and Non-Contingent
Receivables from Regional Government or
Domestic Government
47,548
1,491
49,039
Contingent and Non-Contingent
Receivables from Administrative Units and
Non-Commercial Enterprises
362,929
17,842
248
381,019
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
10,717,860 5,686,656
454,373
51,746 554,002 884,940
18,349,577
Contingent and Non-Contingent
Corporate Receivables
140,321,601
4,350,641
78,695
1,218 2,640,651 3,338,184
150,730,990
Contingent and Non-Contingent Retail
Receivables
46,502,664
432,390
21,549
227
8,297
183,478
47,148,605
Contingent and Non-Contingent
Receivables Secured by Residential
Property
33,595,233
134,461
25,749
6
9,660
305,331
34,070,440
Non-Performing Receivables
1,026,625
995
30
46
672
1,028,368
Receivables are identified as high risk by
the Board
14,002,913
41,881
5,683
141
3,814 286,817
14,341,249
Secured Marketable Securities
Securitization Positions
Short-term Receivables and Short-term
Corporate Receivables from Banks and
Intermediaries
Investments as Collective Investment
Institutions
224,741
4,510
229,251
Other Receivables
14,172,639
4,948,894
19,121,533
Total
343,213,488 10,673,422
586,079 53,338 3,216,685 5,678,913 4,948,894
368,370,819
(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.
