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TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2014
183
İŞBANK
ANNUAL REPORT 2014
FINANCIAL INFORMATION AND
RISK MANAGEMENT
Prior 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)
Loans, which are neither past due nor are classified under closely monitored although being past due for less than 31 days, are amounting to 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 amounts which are not due as of the balance sheet date is TL 176,616. Loans overdue between 91-150 days are amounting to TL 2,282.
12. Profile of Significant Risk Exposures in Major Regions:
CurrentPeriod
Domestic
European
Union
OECD
Countries
(2)
Off-Shore
Banking
Regions
USA,
Canada
Other
Countries
InvestmentsinAssociates,
SubsidiariesandJointly
ControlledEntities
Unallocated
Assets/
Liabilities
(3)
Total
RiskGroups
(1)
ContingentandNon-ContingentReceivablesfromCentralGovernmentsorCentral
Banks
71,250,386
10
109,638
71,360,034
ContingentandNon-ContingentReceivablesfromRegionalGovernmentor
DomesticGovernment
39,787
6
39,793
ContingentandNon-ContingentReceivablesfromAdministrativeUnitsandNon-
CommercialEnterprises
181,807
11
181,818
ContingentandNon-ContingentReceivablesfromMultilateralDevelopmentBanks
1,660
1,660
ContingentandNon-ContingentReceivablesfromInternationalOrganizations
ContingentandNon-ContingentReceivablesfromBanksandIntermediaries
8,878,285 5,197,645 457,879 38,160 492,953 499,587
15,564,509
ContingentandNon-ContingentCorporateReceivables
122,124,610 1,519,102 33,316 25,287 38,326 2,363,659
126,104,300
ContingentandNon-ContingentRetailReceivables
51,714,332 17,534
1,621
20 1,225 556,405
52,291,137
ContingentandNon-ContingentReceivablesSecuredbyResidentialProperty
12,880,577 40,521
3,986
2,488 110,641
13,038,213
Non-PerformingReceivables
694,628
34
12
20
102
694,796
ReceivablesareidentifiedashighriskbytheBoard
17,597,356 13,323
2,517
1,185 203,011
17,817,392
SecuredMarketableSecurities
SecuritizationPositions
Short-termReceivablesandShort-termCorporateReceivablesfromBanksand
Intermediaries
InvestmentsasCollectiveInvestmentInstitutions
182,765 5,066
187,831
OtherReceivables
8,168,448
5,643,817
13,812,265
Total
293,712,981 6,794,895 499,331 63,467 536,197 3,843,060
5,643,817
311,093,748
(1)
. Risk amounts before the effect of credit risk mitigation but after the credit conversions.
(2)
OECD Countries other than EU countries, USA and Canada.
(3)
Assets and liabilities that are not consistently allocated.
PriorPeriod
Domestic
European
Union
OECD
Countries
(1)
Off-Shore
Banking
Regions
USA,
Canada
Other
Countries
InvestmentsinAssociates,
SubsidiariesandJointly
ControlledEntities
Unallocated
Assets/
Liabilities
(2)
Total
RiskGroups
ContingentandNon-ContingentReceivablesfromCentralGovernmentsorCentral
Banks
64,691,365 6,473
39,418
64,737,256
ContingentandNon-ContingentReceivablesfromRegionalGovernmentor
DomesticGovernment
58,799
58,799
ContingentandNon-ContingentReceivablesfromAdministrativeUnitsandNon-
CommercialEnterprises
235,196 19,422
8
254,626
ContingentandNon-ContingentReceivablesfromMultilateralDevelopmentBanks
106 1,015
1,121
ContingentandNon-ContingentReceivablesfromInternationalOrganizations
ContingentandNon-ContingentReceivablesfromBanksandIntermediaries
10,496,899 3,324,875 148,100 14,771 183,343 199,715
14,367,703
ContingentandNon-ContingentCorporateReceivables
105,696,261 1,388,111
17,217 30,213 51,107 1,693,926
108,876,835
ContingentandNon-ContingentRetailReceivables
43,111,309 423,371
6,986
25 1,174 507,336
44,050,201
ContingentandNon-ContingentReceivablesSecuredbyResidentialProperty
11,153,523 26,787
3,692
2,164 59,555
11,245,721
Non-PerformingReceivables
546,215
58
8
3
1
67
546,352
ReceivablesareidentifiedashighriskbytheBoard
15,241,646 12,968 1,304
1
755 194,358
15,451,032
SecuredMarketableSecurities
SecuritizationPositions
Short-termReceivablesandShort-termCorporateReceivablesfromBanksand
Intermediaries
InvestmentsasCollectiveInvestmentInstitutions
171,815 4,007
175,822
OtherReceivables
7,884,285
4,174,551
12,058,836
Total
259,287,419 5,207,087 177,307 45,013 238,544 2,694,383
4,174,551
271,824,304
(1)
OECD Countries other than EU countries, USA and Canada
(2)
Assets and liabilities that are not consistently allocated.