135
Financial Information and Risk
Management
İş Bankası
Annual Report 2013
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements
for the Year Ended 31 December 2013
Risk Weight
0% 10% 20% 50% 75% 100% 150% 200% 250% 1250%
Mitigation in
Shareholders’ Equity
Amount Before Credit
Risk Mitigation
54,243,527
3,536,723 24,861,620 35,004,914 106,648,610 3,208,604 12,031,089 148,946
379,160
Amount After Credit
Risk Mitigation
(1)
54,243,527
3,536,723 24,861,620 35,004,914 106,648,610 3,208,604 12,031,089 148,946
379,160
(1)
The effect of credit risk mitigation techniques for the determination of the capital adequacy ratio are excluded
16.
Miscellaneous Information According to Type of Counterparty or Major Sectors
Significant Sectors/Counterparty
Loans
Impaired Non-Performing
(1)
Value Adjustment
(2)
Provisions
(3)
Agricultural
55,477
17,235
362
47,929
Farming and Raising Livestock
45,336
15,648
308
39,579
Forestry
7,621
794
34
6,250
Fishing
2,520
793
20
2,100
Industry
365,631
71,298
2,403
312,423
Mining
22,596
1,887
78
21,448
Production
340,204
68,113
2,166
288,673
Electricity, gas, and water
2,831
1,298
159
2,302
Construction
351,564
43,433
1,436
319,499
Services
581,419
142,564
7,278
470,325
Wholesale and Retail Trade
396,377
68,123
3,113
327,019
Hotel, Food and Beverage
Services
27,866
7,835
463
20,825
Transportation and
Telecommunication
59,775
21,469
1,858
46,707
Financial Institutions
8,216
339
24
5,569
Real Estate and Renting Services
37,770
34,351
905
27,880
Self-Employment Services
31,947
7,697
523
25,898
Education Services
4,803
1,066
151
4,114
Health and Social Services
14,665
1,684
241
12,313
Other
883,701
783,092
57,790
649,969
Total
2,237,792
1,057,622
69,269
1,800,145
(1)
Refers to loans overdue up to 90 days. Related Items included in the commercial installment loans and installment consumer loans are given only in the overdue
amounts, the payment of these loans outstanding principal amounts of TL 606,313 and TL 1,004,945 respectively.
(2)
Refers to the general provisions for non-performing loans.
(3)
Refers to specific provision for impaired loans.
17.
Information on Value Adjustments and Change in Credit Provisions:
Beginning Balance
Provisions
Reversal of
Provisions
Other Value
Adjustment
Ending Balance
Specific Provisions
1,598,883
833,562
(632,300)
1,800,145
General Provisions
1,613,677
385,633
(26,722)
1,972,588
III. Explanations on Market Risk:
1. Information on Market Risk:
The market risk carried by the Bank is measured by two separate methods known respectively as the Standard Method and the
Value at Risk Model in accordance with the local regulations adopted from internationally accepted practices. In this context,
currency risk emerges as the most important component of the market risk.
