Page 185 - A&T BANK ANNUAL REPORT 2012

183 182 A&T BANK 2012 ANNUAL REPORT •
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
Information on whether the loans that are structured and rescheduled are included in a new rating group as determined by
the Bank’s risk management system, other than the follow-up plan defined in the banking regulations or not; whether new
precautions are taken for these methods or not; whether the Bank’s risk management accepts long term commitments as
having more risk than short term commitments which results in a diversification of risk or not
The Parent Bank acts in frame of the related regulations for the loans that are structured and rescheduled. On the other hand,
while doing risk evaluation of the loans and commitments, maturity issue is also taken into consideration.
5. For Credit Risk Analysis;
Evaluation of the significance of country specific risk if the banks have foreign operations and credit transactions in a few
countries or these operations are coordinated with a few financial entities
The Parent Bank has no banking activities abroad on the branch level. However in the loan lending processes to the foreign
based firms, the economic conditions of the country and the financial structure of the company in question is taken into
consideration.
Evaluation of the Parent Bank’s competitive credit risk being an active participant of the international banking transactions
market
The Parent Bank has significant relationship with the North Africa and Middle East Region within the international trade
transactions. However in the volume of the banking transactions the Parent Bank defines its credit risk concentration as limited
from these regions.
6. For Credit Risk Analysis;
The share of the top 100 and 200 cash loan customers in total loan cash loans portfolio
The share of the top 100 and 200 cash loan customers comprises 98.85% and %99.99 of the total cash loans portfolio of the
Parent Bank respectively.
The share of the top 100 and 200 non-cash loan customers in total loan non-cash loans portfolio
The share of the top 100 and 200 non-cash loan customers comprises 99.81% and 100% of the total non-cash loans portfolio
of the Parent Bank respectively.
The share of the total cash and non-cash loan balance of the top 100 and 200 loan customers in total assets and off-balance
sheet items
The Parent Bank’s total cash and non-cash loans from its top 100 and 200 loan customers comprise 81% and 84.60% of the
total assets and off-balance sheet items.
7. The general provision amount provided by the Bank for credit risk
The general provision amount provided by Bank for the credit risk is TL 11,811 (31 December 2011: TL 9,985).