Page 189 - A&T BANK ANNUAL REPORT 2012

187 186 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
13. Value adjustments and provisions for impaired loans memorandum of understanding between the changes in (if
possible on the basis of geographic regions)
Value adjustments and provisions on the exchange of credit information
Specific Provision General Provision
Opening Balance 5,952 9,985
The amount of provision during the period 2,276 2,502
Reversal of provision -- (676)
Other adjustments -- --
Closing Balance 8,228 11,811
(*)According to set exchange rate differences, business combinations, acquisitions transactions and disposals of subsidiaries
Value adjustments and provisions type
Value of the Parent Bank’s specific and general provision for loans losses suffered. Except that this provision does not apply to
any adjustment of a value.
Value adjustments and recoveries recorded directly to the income statement
General loan loss provision amounting to TL 11,811 is accounted as at 31 December 2012.
Set aside for estimated probable losses on loans in the current period or the release of the amounts and exchange rate
differences, business combinations, acquisitions transactions and disposal of subsidiaries and other adjustments including
those determined by the transfers between provisions
There is no change.
14. Other information on Credit risk
Sectoral concentrations for cash loans
Current Period Prior Period
TL (%) FC (%) TL (%) FC (%)
Agricultural 32,251 10.86 9,604 2.32 16,556 4.28 304 0.06
Farming and Raising Livestock 32,251 10.86 8,918 2.16 16,556 4.28 -- --
Forestry -- -- 686 0.16 -- -- 304 0.06
Fishing -- -- -- -- -- -- -- --
Manufacturing 64,236 21.64 184,762 44,67 78,400 20.28 129,133 26.25
Mining -- -- 10,855 2.62 -- -- 11,526 2.34
Production 64,236 21.64 173,907 42.05 78,400 20.28 117,607 23.91
Electric, gas and water -- -- -- -- -- -- -- --
Construction 56,821 19.14 95,009 22.97 48,007 12.42 44,343 9.01
Services 143,006 48.18 70,935 17.15 243,357 62.96 308,465 64,67
Wholesale and retail trade 10,632 3.58 10,090 2.44 5,216 1.35 21,548 4.38
Hotel, food and beverage Services -- -- -- -- -- -- -- --
Transportation and Telecommunication -- -- -- -- -- -- 18,341 3.73
Financial institutions 131,180 44.19 60,549 14.64 237,148 61.35 268,576 56.56
Real estate and Leasing Services -- -- -- -- -- -- -- --
“Self-employement” type Services -- -- -- -- -- -- -- --
Education services -- -- -- -- -- -- -- --
Health and social services 1,194 0.4 296 0.07 993 0.26 -- --
Other 526 0.18 53,294 12.89 198 0.06 -- --
Total 296,840 100.00 413,604 100.00 386,518 100.00 482,245 100.00