236 İşbank
Annual Report 2015
Türkiye İş Bankası A.Ş.
Notes to the Consolidated Financial Statements
for the Year Ended 31 December 2015
a.4. Certain guarantee, provisional guarantees, suretyships and similar transactions:
Current Period
Prior Period
Letters of Tentative Guarantees
746,541
930,188
Letters of Certain Guarantees
26,469,420
24,059,778
Letters of Advance Guarantees
5,925,994
4,670,054
Letters of Guarantee Given to Customs Offices
3,458,505
3,182,599
Other Letters of Guarantee
3,241,148
1,806,947
Total
39,841,608
34,649,566
a.5. Total Non-cash Loans:
Current Period
Prior Period
Non-cash Loans against Cash Risks
4,249,448
2,042,714
With Original Maturity of 1 Year or Less
885,136
552,349
With Original Maturity More Than 1 Year
3,364,312
1,490,365
Other Non-cash Loans
48,662,817
42,620,599
Total
52,912,265
44,663,313
a. 6. Sectoral Risk Concentration of Non-cash Loans:
Current Period
Prior Period
TL
(%)
FC
(%)
TL
(%)
FC
(%)
Agriculture
126,846
0.61
13,730
0.04 130,154
0.71
26,364
0.10
Farming and Stockbreeding
93,718
0.45
13,730
0.04
78,256
0.43
22,651
0.09
Forestry
30,373
0.15
46,644
0.25
3,713
0.01
Fishery
2,755
0.01
5,254
0.03
Industry
6,092,427
29.22 16,955,569
52.88 5,719,521
31.21 14,190,185
53.88
Mining and Quarrying
144,773
0.69 178,385
0.56 146,051
0.80 256,436
0.97
Manufacturing
3,330,430
15.97 12,227,686
38.14 3,335,389
18.20 9,295,189
35.29
Electricity, Gas, Water
2,617,224
12.56 4,549,498
14.18 2,238,081
12.21 4,638,560
17.62
Construction
3,108,833
14.91 4,498,933
14.03 2,506,050
13.67 3,828,748
14.54
Services
11,203,664
53.74 8,145,630
25.41 9,734,723
53.12 6,680,614
25.37
Wholesale and Retail Trade
7,678,011
36.83 3,491,526
10.89 6,382,712
34.83 2,465,698
9.36
Hotel and Restaurant Services
188,077
0.90
65,082
0.20 185,096
1.01
55,787
0.21
Transportation and Communication
762,721
3.66 1,429,494
4.46 655,041
3.57 1,190,656
4.52
Financial Institutions
1,476,461
7.08 2,269,540
7.08 1,111,833
6.07 2,168,192
8.23
Real Estate and Rental Services
582,911
2.80 523,019
1.63 913,999
4.99 471,035
1.79
Self-Employed Services
401,663
1.93 212,580
0.66 382,461
2.09 177,382
0.67
Educational Services
28,711
0.14
5,584
0.02
27,823
0.15
3,768
0.01
Health and Social Services
85,109
0.40 148,805
0.47
75,758
0.41
148,096
0.58
Others
317,783
1.52 2,448,850
7.64 237,033
1.29 1,609,921
6.11
Total
20,849,553 100.00 32,062,712 100.00 18,327,481
100.00 26,335,832 100.00
a.7. Non-cash Loans classified under Group I and Group II:
Group I
Group II
TL
FC
TL
FC
Non-cash Loans
20,693,957
31,922,300
155,596
140,412
Letters of Guarantee
20,406,139
19,148,620
155,596
131,253
Bank Acceptances
4,821
948,188
2,571
Letters of Credit
5,655
10,894,251
6,588
Endorsements
Underwriting Commitments of the Securities Issued
Factoring Related Guarantees
50,022
14,269
Other Guaranties and Warranties
227,320
916,972
b. Information on Derivative Financial Instruments:
Majority of the Group’s derivative transactions comprise foreign currency and interest rate swaps, forward foreign exchange trading, currency and interest rate options. Even though
some derivative transactions economically provide risk hedging, since all necessary conditions to be defined as items suitable for financial risk hedging accounting are not met, they
are recognized as “held for trading purposes” within the framework of TAS 39 “Financial Instruments: Recognition and Measurement”. Derivatives, which are designed to hedge
changes in fair values of financial instruments and meet required criterion are classified as derivatives held for hedge accounting purposes.
