181
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
a.2. The structure and amount of probable losses and commitments resulting from off-balance sheet items, including those
below:
There are no probable losses related to off-balance sheet items, Commitments are shown in the table of “off-balance sheet items”.
a.3. Guarantees, bank acceptances, collaterals that qualify as financial guarantees, and non-cash loans including other letters of
credit:
Current Period
Prior Period
Bank Acceptances
1,494,946
1,298,250
Letters of Credit
6,421,249
4,585,247
Other Guarantees
585,062
486,721
Total
8,501,257
6,370,218
a.4. Certain guarantees, tentative guarantees, suretyships and similar transactions:
Current Period
Prior Period
Letters of Tentative Guarantees
868,963
1,114,185
Letters of Certain Guarantees
20,761,079
15,832,634
Letters of Advance Guarantees
4,528,544
3,532,163
Letters of guarantee given to customs offices
1,952,773
1,053,538
Other Letters of Guarantee
1,399,498
718,874
Total
29,510,857
22,251,394
a.5. Total Non-cash Loans:
Current Period
Prior Period
Non-cash Loans against Cash Risks
1,378,300
700,897
With Original Maturity of 1 Year or Less
178,153
74,452
With Original Maturity More Than 1 Year
1,200,147
626,445
Other Non-cash Loans
36,633,814
27,920,715
Total
38,012,114
28,621,612
a.6. Sectoral Risk Concentration of Non-cash Loans:
Current Period
Prior Period
TL (%)
FC (%)
TL (%)
FC (%)
Agriculture
130,175 0.84 28,035 0.12 129,033 1.03
29,364 0.18
Farming and Stockbreeding
79,088 0.51
20,255 0.09 79,722 0.64
21,051 0.13
Forestry
46,815 0.30
7,780 0.03 46,541 0.37
6,790 0.04
Fishery
4,272 0.03
2,770 0.02
1,523 0.01
Industry
5,319,731 34.42 12,029,836 53.33 4,261,407 34.07 8,852,299 54.93
Mining and Quarrying
120,711 0.78 95,375 0.42 125,173 1.00 140,957 0.87
Manufacturing
3,205,632 20.74 8,663,024 38.41 2,781,625 22.24 7,069,768 43.87
Electricity, Gas, Water
1,993,388 12.90 3,271,437 14.50 1,354,609 10.83 1,641,574 10.19
Construction
2,396,869 15.51 3,349,682 14.85 2,145,979 17.16 1,978,878 12.28
Services
7,499,025 48.51 4,797,497 21.27 5,827,196 46.59 3,661,516 22.72
Wholesale and Retail Trade
4,589,459 29.69 2,189,684 9.71 3,431,829 27.44 1,696,793 10.53
Hotel and Restaurant Services
148,474 0.96 34,844 0.15 106,912 0.85
27,593 0.17
Transportation and Communication
473,894 3.07 1,473,772 6.53 403,592 3.23 981,082 6.09
Financial Institutions
736,072 4.76 567,869 2.52 1,154,367 9.23 478,675 2.97
Real Estate and Rental Services
1,004,990 6.50 249,738 1.11 255,429 2.04 268,301 1.66
Self-Employed Services
462,499 2.99 178,047 0.79 399,197 3.19 194,285 1.20
Educational Services
22,393 0.14
4,927 0.02 18,859 0.15
7,339 0.05
Health and Social Services
61,244 0.40 98,616 0.44 57,011 0.46
7,448 0.05
Others
111,402 0.72 2,349,862 10.43 143,489 1.15 1,592,451 9.89
Total
15,457,202 100.00 22,554,912 100.00 12,507,104 100.00 16,114,508 100.00
