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TÜRKİYE İŞ BANKASI A.Ş.
Notes to the Consolidated Financial Statements for the Year Ended
31 December 2014
205
İŞBANK
ANNUAL REPORT 2014
FINANCIAL INFORMATION AND
RISK MANAGEMENT
e.10.4.
Information on gross and net non-performing loans and receivables as per customer categories:
Group III
Group IV
Group V
Loans and Receivables with
Limited Collectability
Loans and Receivables with
Doubtful Collectability
Uncollectible Loans and
Other Receivables
Current Period (Net)
305,900
264,183
124,713
Loans to Individuals and Corporate (Gross)
384,519
533,476
1,726,580
Specific Provisions (-)
78,619
269,293
1,601,867
Loans to Individuals and Corporate (Net)
305,900
264,183
124,713
Banks (Gross)
87
Specific Provisions (-)
87
Banks (Net)
Other Loans and Receivables (Gross)
54,839
Specific Provisions (-)
54,839
Other Loans and Receivables (Net)
Prior Period (Net)
232,953
247,678
65,721
Loans to Individuals and Corporate (Gross)
292,263
498,340
1,634,949
Specific Provisions (-)
59,310
250,662
1,569,228
Loans to Individuals and Corporate (Net)
232,953
247,678
65,721
Banks (Gross)
91
Specific Provisions (-)
91
Banks (Net)
Other Loans and Receivables (Gross)
50,690
Specific Provisions (-)
50,690
Other Loans and Receivables (Net)
e.11. Main principles of liquidating for uncollectible loans and other receivables:
In order to ensure the liquidation of non-performing loans, all possibilities evaluated to ensure maximum collection according to the legislation. First of all, administrative initiatives are
taken to deal with the borrower. Collection through legal proceedings used if there is no possibility of collection and configuration with the interviews for other receivables.
e.12. Explanations on write-off policy:
When the failure to obtain due to lack of legal follow-up, because of the absence of redeemable assets of debtors or although conversion of all the assets of debtors with the scope
of legal follow-up, there is a remaining receivable balance, receivable, by such evidence is available on borrowers, reduced to one. Such evidence cannot be obtained, uncollectible
receivables are written-off by the destruction
f. Held to Maturity Investments:
f.1. Information on held to maturity investments, which are given as collateral or blocked:
As of 31 December 2014, held to maturity investments, which are given as collateral or blocked amount to TL 447,605 (31 December 2013: TL 1,205,865).
f.2. Information on held to maturity investments, which are subject to repurchase agreements:
As of 31 December 2014, assets held to maturity, which are subject to repurchase agreements amount to TL 348,913 (31 December 2013: TL 5,492,696).
f.3. Information on government securities held to maturity:
Current Period
Prior Period
Government Bonds
1,307,192
7,704,816
Treasury Bills
Other Public Debt Securities
Total
1,307,192
7,704,816
f.4. Information on held-to-maturity investments:
Current Period
Prior Period
Debt Securities
1,391,860
7,728,447
Quoted on a Stock Exchange
1,169,369
7,704,816
Not Quoted
(1)
222,491
23,631
Impairment Losses (-)
Total
1,391,860
7,728,447
(1)
Indicates unlisted debt securities, and debt securities that have not been traded at the end of the related periods although they are listed.