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Financial Information and Risk Management
Türkiye İş Bankası A.Ş.
Notes to the Consolidated Financial Statements
for the Year Ended 31 December 2015
c. Explanations Related to Contingencies and Commitments:
The balance of the “Other Irrevocable Commitments” account, which comprised the letters of guarantees, guarantees and commitments submitted by the Group pursuant to its
own internal affairs, and guarantees given to third parties by other institutions in favor of the Parent Bank and the commitments due to housing loans extended within the scope of
unfinished house projects followed, amounts to TL 6,735,372.
The cheques given to customers is presented under off balance sheet commitments, as per the related regulations is amounting to TL 5,654,056. In case the cheques presented for
payment to beneficiaries are not covered, the Parent Bank will be obliged to pay the uncovered amount up to TL 740 (full amount expressed) for the cheques that are subject to the
Law numbered 3167 on “the Regulation of Payments by Cheque and Protection of Cheque Holders”, and up to TL 1,290 (full amount) for the cheques that are subject to the “Cheque
Law” numbered 5941. The uncollected amount will be followed under “Indemnified Non-Cash Loans.
d. Explanations related to transactions made on behalf of or on the account of others:
It is explained in Note XV under Section Four.
IV. DISCLOSURES AND FOOTNOTES ON THE CONSOLIDATED INCOME STATEMENT
a. Interest Income
a.1. Information on interest income on loans:
Current Period
Prior Period
TL
FC
TL
FC
Interest Income on Loans
(1)
Short-term Loans
3,939,904
311,042
3,532,649
324,599
Medium and Long-term Loans
8,632,534
3,430,888
6,681,571
2,576,433
Interest on Non-performing Loans
172,450
2,157
192,866
3,548
Premiums Received from State Resource Utilization Support Fund
Total
12,744,888
3,744,087
10,407,086
2,904,580
(1)
Includes fee and commission income on cash loans.
a.2. Information on interest income on banks:
Current Period
Prior Period
TL
FC
TL
FC
The Central Bank of the Republic of Turkey
Domestic Banks
181,896
62,527
120,822
65,160
Foreign Banks
4,651
9,528
4,266
4,320
Foreign Head Offices and Branches
Total
186,547
72,055
125,088
69,480
a.3. Information on interest income from securities:
Current Period
Prior Period
TL
FC
TL
FC
Interest Income on Financial Assets Held for Trading
80,458
74
126,172
932
Interest Income on Financial Assets at Fair Value through Profit and Loss
Interest Income on Financial Assets Available for Sale
3,346,972
533,498
2,781,412
337,543
Held to Maturity Investments
117,280
4,030
684,725
461
Total
3,544,710
537,602
3,592,309
338,936
a.4. Information on interest income received from associates and subsidiaries:
Current Period
Prior Period
Interest Income from Associates and Subsidiaries
846
4,546
