110 / 236
TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements for the Year Ended
31 December 2014
110
İŞBANK
ANNUAL REPORT 2014
Current Period
Prior Period
Strong
52.37 %
49.38%
Standard
37.28%
37.02 %
Below Standard
6.72 %
4.71 %
Not Rated/Scored
3.63 %
8.89%
The table data comprises behavior rating/scoring results
9.
The net values of the collaterals of the closely monitored loans are given below in terms of collateral types and risk matches.
Type of Collateral
Current Period
Prior Period
Net Value
of the Collateral
Loan Balance
Net Value
of the Collateral
Loan Balance
Real Estate Mortgage
(1)
833,332
833,332
582,828
582,828
Vehicle Pledge
102,989
102,989
109,493
109,493
Cash Collateral (Cash, securities pledge, etc.)
15,845
15,845
10,645
10,645
Pledge on Wages
250,113
250,113
185,229
185,229
Cheques & Notes
43,378
43,378
40,562
40,562
Other (Suretyship, commercial enterprise under pledge, commercial papers, etc.)
614,712
614,712
308,302
308,302
Non-collateralized
829,690
847,602
Total
1,860,369
2,690,059
1,237,059
2,084,661
(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.
10.
The net values of the collaterals of non-performing loans are given below in terms of collateral types and risk matches.
Type of Collateral
Current Period
Prior Period
Net Value
of the Collateral
Loan Balance
Net Value
of the Collateral
Loan Balance
Real Estate Mortgage
(1)
278,642
278,642
354,879
354,879
Cash Collateral
157
157
Vehicle Pledge
49,746
49,746
53,749
53,749
Other (Suretyship, commercial enterprise under pledge, commercial papers, etc.)
50,947
50,947
23,247
23,247
(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 is as follows:
Current Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
Corporate / Commercial Loans
255,992
46,517
29,711
332,220
Consumer Loans
111,010
38,005
14,614
163,629
Credit Cards
458,529
127,508
55,121
641,158
Total
825,531
212,030
99,446
1,137,007
(1)
The balance of the loans that are classified as closely monitored although they are not past due or past due for less than 31 days is TL 1,702,297.
(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 414,283 and TL 1,025,345 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 310,158 and TL 366,128 respectively.
Prior Period
(1)
1-30 Days
(2)
31-60 Days
(3)
61-90 Days
(3)
Total
Loans
Corporate / Commercial Loans
197,912
43,257
21,287
262,456
Consumer Loans
81,125
29,178
13,501
123,804
Credit Cards
499,098
118,302
53,962
671,362
Total
778,135
190,737
88,750
1,057,622
(1)
The balance of the loans that are classified as closely monitored although they are not past due or past due for less than 31 days is TL 1,292,022.
(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.