237
Financial Information and Risk
Management
İş Bankası
Annual Report 2013
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements
for the Year Ended 31 December 2013
Risk Amounts according to Risk Weights
Risk Weight
0% 10% 20% 50% 75% 100% 150% 200% 250% 1250%
Mitigation in
Shareholders’ Equity
Amount Before
Credit Risk
Mitigation
64,953,047
5,693,144 28,969,485 35,738,580 121,002,253 3,287,725 12,031,124 148,946
596,103
Amount After
Credit Risk
Mitigation
(1)
64,953,047
5,693,144 28,969,485 35,738,580 121,002,253 3,287,725 12,031,124 148,946
596,103
(1)
The effect of credit risk mitigation techniques for the determination of the capital adequacy ratio is excluded.
16. Miscellaneous Information According to Type of Counterparty of Major Sectors
Significant Sectors/Counterparty
(1)
Loans
Impaired Non-performing
(2)
Value Adjustments
(3)
Provisions
(4)
Agricultural
66,048
19,475
362
55,481
Farming and Raising Livestock
55,604
15,785
308 46,860
Forestry
7,924
2,895
34
6,521
Fishing
2,520
795
20
2,100
Industry
478,882
79,575
4,852 384,984
Mining
26,755
2,437
78 24,099
Production
431,751
74,691
4,615 341,109
Electricity, gas, and water
20,376
2,447
159
19,776
Construction
377,727
46,231
1,436 335,716
Services
559,415
151,585
7,278 475,606
Wholesale and Retail Trade
316,637
72,122
3,113 304,425
Hotel, Food and Beverage
Services
35,986
8,958
463 24,844
Transportation and
Telecommunication
79,844
24,386
1,858 55,209
Financial Institutions
9,926
339
24
7,219
Real Estate and Renting Services
38,258
34,365
905
28,176
Self-Employment Services
47,083
8,584
523
30,936
Education Services
4,867
1,066
151
4,178
Health and Social Services
26,814
1,765
241
20,619
Other
994,261
796,937
57,790 678,194
Total
2,476,333
1,093,803
71,718 1,929,981
(1)
Amount includes finance lease and factoring receivables.
(2)
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 1,044,945 respectively.
(3)
Refers to the general provisions for non-performing loans.
(4)
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 Adjustments
(1)
Ending Balance
Specific Provisions
1,654,778
934,178
(665,071)
6,096 1,929,981
General Provisions
1,705,153
433,531
(39,920)
1,838 2,100,602
(1)
Stating foreign exchange gains and losses.
III. Explanations on Consolidated Market Risk:
1. Explanations on Consolidated Market Risk:
The market risk carried by the Group is measured by two separate methods known respectively as the Standard Method and the
Value at Risk (VAR) Method 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. The consolidated market risk measurements are carried
out on a quarterly basis, using the Standard Method. The results are accounted in the legal reporting and evaluated with the top
management.
