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TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Unconsolidated Financial Statements for the Year Ended
31 December 2014
114
İŞBANK
ANNUAL REPORT 2014
14. Analysis of maturity-bearing exposures according to remainingmaturities:
RiskGroups
TimetoMaturity
1Month 1-3Months 3-6Months 6-12Months Over1Year
Total
Contingent and Non-Contingent Receivables fromCentral Governments or Central Banks
490,220 782,747 1,392,539 1,264,085 37,572,830 41,502,421
Contingent and Non-Contingent Receivables fromRegional Governments or Domestic Governments
800
1,851
1,502
1,851
32,237
38,241
ContingentandNon-ContingentReceivablesfromAdministrativeUnitsandNon-CommercialEnterprises
1,542
5,752
9,143
57,372
65,424 139,233
Themultilateral development banks and non-contingent receivables
266
694
174
526
1,660
Contingent and Non-Contingent Receivables fromBanks and Intermediaries
2,627,181
530,185 704,954 538,497 3,662,718 8,063,535
Contingent and Non-Contingent Corporate Receivables
6,182,528 8,574,737 10,246,622 19,891,360 59,434,518 104,329,765
Contingent and Non-Contingent Retail Receivables
7,941,549 5,583,696 6,005,987 9,332,720 9,376,627 38,240,579
Contingent and Non-Contingent Collateralized Receivables with Real EstateMortgages
275,730 421,449 604,964 1,184,214 10,582,337 13,068,694
Receivables are identified as High Risk by the Board
620,828 1,061,824 1,564,111 3,700,559 10,798,982 17,746,304
Total
18,140,378 16,962,507 20,530,516 35,970,832 131,526,199 223,130,432
15. Information on Risk Classes
In the calculation of the amount subject to credit risk, determining the risk weights related to risk classes stated on the sixth article of “Regulation on Measurement and Evaluation
of Capital Adequacy of Banks”, is based on the Fitch Ratings’ international rating with the Banking Regulation and Supervision Board’s decision numbered 4577 dated 10 February
2012. While receivables from resident banks in abroad which is assessed in the risk class of “Contingent and Non-Contingent Receivables from Banks and Brokerage Agencies” and
receivables from central governments which is assessed in the risk class of “Contingent and Non-Contingent Receivables from Central Governments or Central Banks” will be subjected
to risk weights with the scope of ratings; therefore domestic resident banks accepted as unrated, the risk weight is applied according to receivables from relevant banks , type of
exchange and remaining maturity.
If a receivable-specific rating is performed, risk weights to be applied on the receivable are determined by the relevant credit rating.
The table related to mapping the ratings used in the calculations and credit quality grades, which is stated in the Annex of Regulation on Measurement and Evaluation of Capital
Adequacy of Banks, is given below
Credit Quality Grades
1
2
3
4
5
6
Risk Rating
AAA via AA-
A+ via A-
BBB+ via BBB-
BB+ via BB-
B+ via B-
CCC+ and lower
There is no credit rating and credit export agency has been assigned for the items that are not included to trading accounts.
Risk Weight
0% 10% 20% 50% 75% 100% 150% 200% 250% 1250%
Mitigation in
Shareholders’
Equity
Amount Before Credit Risk Mitigation
59,143,565
3,430,603 28,387,352 42,125,054 120,274,837 4,331,036 13,312,898 757,328
424,076
Amount After Credit Risk Mitigation
61,296,055
3,424,975 28,367,558 41,748,895 118,544,918 4,325,984 13,296,960 757,328
424,076
There is no credit rating and credit export agency has been assigned for the items that are not included to trading accounts.
16. Miscellaneous Information According to Type of Counterparty or Major Sectors
Significant Sectors/Counterparty
Loans
Value
Adjustment
(2)
Provisions
(3)
Impaired
Non-Performing
(1)
Agricultural
38,191
19,501
450
31,045
Farming and Raising Livestock
31,044
18,048
404
24,899
Forestry
5,304
1,295
31
4,596
Fishing
1,843
158
15
1,550
Industry
399,812
93,033
3,540
338,724
Mining
61,738
4,038
112
59,116
Production
334,749
86,219
3,364
277,294
Electricity, gas, and water
3,325
2,776
64
2,314
Construction
343,581
72,576
2,602
304,295
Services
650,702
174,240
9,330
492,182
Wholesale and Retail Trade
423,559
102,926
4,723
321,396
Hotel, Food and Beverage Services
21,211
9,197
583
17,672
Transportation and Telecommunication
60,686
26,878
2,347
47,416
Financial Institutions
8,407
1,016
23
7,404
Real Estate and Renting Services
88,355
12,466
785
61,511
Self-Employment Services
35,451
13,613
467
28,133
Education Services
4,609
5,065
152
2,861
Health and Social Services
8,424
3,079
250
5,789
Other
988,285
777,657
91,659
695,545
Total
2,420,571
1,137,007
107,581
1,861,791
(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 724,441 and TL 1,391,473 respectively.
(2)
Refers to the general provisions for non-performing loans.
(3)
Refers to specific provision for impaired loans.