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İş Bankası
Annual Report 2013
Financial Information and Risk Management
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements
for the Year Ended 31 December 2013
10.
The net values of the collaterals of the Group’s non-performing loans are given below in terms of collateral types and risk
matches.
Current Period
Prior Period
Type of Collateral
Net Value of
the Collateral
Loan Balance
Net Value of
the Collateral
Loan Balance
Real Estate Mortgage
(1)
450,738
450,738
444,835
444,835
Cash Collateral
2,235
2,235
36
36
Vehicle Pledge
86,766
86,766
61,440
61,440
Other (suretyships, commercial enterprise under pledge,
commercial papers, etc.)
72,600
72,600
47,708
47,708
(1)
The mortgage and/or pledge amounts on which third parties have priorities are deducted from the fair values of collaterals in expertise reports, and after comparing the
results to the mortgage/pledge amounts and loan balances the smallest figures are considered to be the net value of collaterals.
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
783,000
200,897
96,139
1,080,036
Corporate/Commercial Loans
(4)
200,996
46,847
24,338
272,181
Consumer Loans
82,906
35,748
17,839
136,493
Credit Cards
499,098
118,302
53,962
671,362
Lease Receivables
(5)
8,916
3,345
1,506
13,767
Insurance Receivables
77,880
12,545
4,096
94,521
Total
869,796
216,787
101,741
1,188,324
(1)
The balance of loans, which are not past due or which are classified under closely monitored although being past due for less than 31 days, stands at TL 1,429,843.
(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 393,028 and TL 705,078 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 213,285 and TL 299,867 respectively.
(4)
The balance includes factoring receivables
(5)
Includes only overdue installments, the principal amount which is not due as of the balance sheet date is TL 176,616.
Prior Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
866,521
178,713
87,553
1,132,787
Corporate/Commercial Loans
(4)
361,218
29,669
23,771
414,658
Consumer Loans
83,474
33,801
15,509
132,784
Credit Cards
421,829
115,243
48,273
585,345
Lease Receivables
(5)
11,291
3,087
2,251
16,629
Insurance Receivables
78,027
13,001
5,815
96,843
Total
955,839
194,801
95,619 1,246,259
(1)
The balance of loans, which are not past due or which are classified under closely monitored although being past due for less than 31 days, stands at TL 1,201,982.
(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 406,160 and TL 586,342 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 218,097 and TL 258,242 respectively.
(4)
The balance includes factoring receivables
(5)
Includes only overdue installments, the principal amount which is not due as of the balance sheet date is TL 165,972.
