Page 184 - A&T BANK ANNUAL REPORT 2012

GENERAL INFORMATION
CORPORATE MANAGEMENT
FINANCIAL INFORMATION
ARAP TÜRK BANKASI ANONİM ŞİRKETİ
CONSOLIDATED FINANCIAL REPORT
AS OF 31 DECEMBER 2012
(Currency: Thousands of Turkish Lira (“TL”) unless otherwise stated)
Convenience Translation of Consolidated Financial
Report Originally Issued in Turkish
See Note on I. in Section Three
Credit risk is the risk reduction effects without taking into consideration the total amount of exposures after offsetting
transactions with the related risks are differentiated according to the different risk classes and the types of the average amount
for the period
2012
Risk Classifications September December Average
Contingent and Non-Contingent Receivables from Sovereign Governments and
Central Banks 363,875 323,864 343,869
Contingent and Non-Contingent Receivables from Regional Governments and
Local Authorities -- -- --
Contingent and Non-Contingent Receivables from Administrative Units and Non-
commercial Enterprises -- -- --
Contingent and Non-Contingent Receivables from Multilateral Development Banks -- -- --
Contingent and Non-Contingent Receivables from International Organizations -- -- --
Contingent and Non-Contingent Receivables from Banks and Financial
Intermediaries 1,932,109 2,110,656 2,021,382
Contingent and Non-Contingent Corporate Receivables 713,215 800,237 756,726
Contingent and Non-Contingent Retail Receivables 798 -- 399
Contingent and Non-Contingent Receivables Secured by Property 32,475 34,734 33,605
Past Due Loans -- 295 148
Higher-Risk Receivables Defined by BRSA -- 259,219 129,609
Marketable Securities Collateralized Mortgages -- -- --
Securitization Exposures -- -- --
Short-Term Receivables from Banks and Corporate -- -- --
Undertakings for Collective Investments in Transferable Securities -- -- --
Other Receivables 47,601 50,966 49,284
Total exposure to risks 3,090,073 3,579,971 3,335,022
2. Information on the control limits of the Parent Bank for forward transactions, options and similar contracts,
management of credit risk for these instruments together with the potential risks arising from market conditions
The Parent Bank evaluates and manages credit risks that are generated from forward transactions, options and similar
contracts together with potential risks in the market.
3. Information on whether the Parent Bank decreases the risk by liquidating its forward transactions, options and
similar contracts in case of facing a significant credit risk or not
The Parent Bank tries to mitigate the total risk if it’s exposed to huge amount of risk over the forward transactions.
4. For Credit Risk Analysis;
Information on whether the indemnified non-cash loans are evaluated as having the same risk weight with non-performing
loans or not
Indemnified non-cash loans are evaluated as having the same risk weight with cash loans which are collected upon maturity.
These loans are classified according to their commitments and are recorded under the follow-up accounts.