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TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2014
186
İŞBANK
ANNUAL REPORT 2014
14. Analysis of Maturity-Bearing Exposures According to Remaining Maturities:
CurrentPeriod
RemainingMaturities
1Month 1-3Months 3-6Months 6-12Months Over1Year
Total
RiskGroups
ContingentandNon-ContingentReceivablesfromCentralGovernmentsorCentralBanks
672,137 830,914 1,505,234 1,471,597 41,078,306 45,558,188
ContingentandNon-ContingentReceivablesfromRegionalGovernmentsorDomesticGovernments
800
1,851
1,502
1,851
32,237
38,241
ContingentandNon-ContingentReceivablesfromAdministrativeUnitsandNon-CommercialEnterprises
18,927
5,752
9,143
57,372
77,039 168,233
Themultilateraldevelopmentbanksandnon-contingentreceivables
266
694
174
526
1,660
ContingentandNon-ContingentReceivablesfromBanksand Intermediaries
7,598,610 1,803,982 1,078,426 745,423 4,113,361 15,339,802
ContingentandNon-ContingentCorporateReceivables
9,622,250 9,454,033 10,609,073 20,917,051 72,536,409 123,138,816
ContingentandNon-ContingentRetailReceivables
7,994,974 5,601,182 6,023,665 9,359,912 9,620,891 38,600,624
ContingentandNon-ContingentCollateralizedReceivableswithRealEstateMortgages
245,249 421,449 604,964 1,184,214 10,582,337 13,038,213
Receivablesare identifiedasHighRiskbytheBoard
646,039 1,061,824 1,564,111 3,746,436 10,798,982 17,817,392
Total
26,798,986 19,181,253 21,396,812 37,484,030 148,840,088 253,701,169
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. 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 Amounts according to Risk Weights
RiskWeight
0% 10% 20% 50% 75% 100% 150% 200% 250% 1250%
Mitigation in
Shareholders’Equity
Amount Before Credit Risk Mitigation 72,774,624
7,970,602 31,814,843 42,350,580 137,615,818 4,398,980 13,312,903 855,398
571,133
Amount After Credit Risk Mitigation
74,927,114
7,964,972 31,795,046 41,974,414 135,885,911 4,393,928 13,296,965 855,398
571,133
16. Miscellaneous Information According to Type of Counterparty of Major Sectors
Significant Sectors/Counterparty
(1)
Loans
Value Adjustments
(3)
Provisions
(4)
Impaired
Non-performing
(2)
Agricultural
47,702
19,960
450
38,867
Farming and Raising Livestock
40,555
18,507
404
32,721
Forestry
5,304
1,295
31
4,596
Fishing
1,843
158
15
1,550
Industry
525,371
143,574
28,129
409,975
Mining
65,699
4,673
112
62,460
Production
456,185
90,700
5,609
345,067
Electricity, gas, and water
3,487
48,201
22,408
2,448
Construction
381,523
90,141
7,060
334,061
Services
737,381
188,779
9,552
577,560
Wholesale and Retail Trade
467,208
106,943
4,797
382,674
Hotel, Food and Beverage Services
29,830
11,155
617
25,178
Transportation and Telecommunication
72,159
30,640
2,379
51,520
Financial Institutions
11,345
1,016
23
10,314
Real Estate and Renting Services
88,774
14,065
816
61,817
Self-Employment Services
49,140
14,016
475
32,905
Education Services
4,671
7,799
195
2,923
Health and Social Services
14,254
3,145
250
10,229
Other
1,167,263
783,949
91,760
748,732
Total
2,859,240
1,226,403
136,951
2,109,195
(1)
Amount includes finance lease and factoring receivables.
(2)
Refers to loans overdue up to 90 days and financial leasing receivables overdue up to 150 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 739,040 and TL 1,393,240 respectively.
(3)
Refers to the general provisions for non-performing loans.
(4)
Refers to specific provision for impaired loans.