Page 227 - A&T BANK ANNUAL REPORT 2012

225 224 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
III. INFORMATION AND DISCLOSURES RELATED TO OFF-BALANCE SHEETS
1. Information on contingent liabilities in the off-balance sheets
Type and amount of irrevocable commitments
The Group has TL 6,132 (31 December 2011: TL 9,824 ) as irrevocable commitments.
Type and amount of possible losses from off-balance sheet items
As of 31 December 2012, the Group has allocated the provision amounting to TL 569 over total non-cash loans (31 December
2011: TL 574).
Guarantees, bills of exchange and acceptances and other letters of credit which can be counted as financial collateral
The total amount of non-cash loans including guarantees, bills of exchange and acceptances and sureties on letters of credits
and other guarantees is TL 325,191 (31 December 2011: TL 225,554).
Final guarantees, temporary guarantees, commitments and similar transactions
The total amount of the Group’s guarantee letters is TL 1,247,340 (31 December 2011: TL 1,313,872).
2. Total amount of Non-cash loans
Current Period Prior Period
Non-Cash Loans granted for Cash Loan Assurance 26,341 1,049
Less Than or Equal to One Year with Original Maturity 315 --
More Than One Year with Original Maturity 26,026 1,049
Other Non-Cash Loans 1,546,190 1,538,377
Total 1,572,531 1,539,426
3. Information on Sectoral risk concentrations of non-cash loans
Current Period Prior Period
TL % FC % TL % FC %
Agricultural 39 0.03 3,091 0.21 -- -- -- --
Farming and Raising livestock -- -- 3,091 0.21 -- -- -- --
Forestry 39 0.03 -- -- -- -- -- --
Fishing -- -- -- -- -- -- -- --
Manufacturing 17,360 13.70 105,546 7.30 10,222 14.53 34,401 2.34
Mining 6,435 5.08 -- -- -- -- -- --
Production 10,925 8.62 105,546 7.30 10,222 14.53 34,401 2.34
Electric, gas and water -- -- -- -- -- -- -- --
Construction 103,305 81.51 198,583 13.74 57,743 82.10 196,713 13.39
Services 5,993 4.73 1,138,567 78.75 2,286 3.25 1,237,963 84.27
Wholesale and Retail Trade 461 0.36 2,103 0.15 431 0.61 1,475 0.10
Hotel, Food and Beverage Services -- -- -- -- -- -- -- --
Transportation and Telecommunication -- -- 369 0.03 -- -- 391 0.03
Financial Institutions 5,058 3.99 1,136,095 78.57 1,322 1.88 1,236,097 84.14
Real Estate and Renting Services -- -- -- -- -- -- -- --
Self-Employment Services -- -- -- -- -- -- -- --
Education Services 85 0.07 -- -- 38 0.05 -- --
Health and Social Services 389 0.31 -- -- 495 0.70 -- --
Other 47 0.04 -- -- 84 0.12 14 --
Total 126,744 100.00 1,445,787 100.00 70,335 100.00 1,469,091 100.00