Page 35 - A&T BANK ANNUAL REPORT 2012

33 32 A&T BANK ANNUAL REPORT 2012 •
CREDITS
The Credits Division focuses on Turkey’s leading sectors, and also
targets playing a more effective role in large projects undertaken abroad,
especially in North Africa and the Middle East.
A&T Bank’s loan products are divided into two categories:
cash and non-cash loans. Cash loans are provided by
considering companies’ requirements and cash flows,
whereas non-cash loans are offered based on the customers’
projects and commercial relations.
Cash loans:
• Spot Loan (TL&FC)
• Revolving Loan (TL&FC)
• Export Financing (TL&FC)
• Foreign Currency-indexed Loan
• Installment Commercial Loan (TL&FC)
Non-cash loans:
• Tender Guarantee (TL&FC)
• Performance Guarantee (TL&FC)
• Advance Payment Guarantee (TL&FC)
• Acceptance Credit
• Import Letter of Credit
In addition, the Bank provides Eximbank credits and pursues
its product development efforts to offer an overdraft facility.
In 2012, cash and non-cash loan volumes increased by 6% and
2%, respectively, compared to the previous year.
The share of cash loans in total assets continued to increase to
27% as of 2012-end, up from 23% at the end of 2011.
Despite the increase in cash loan volume, the non-performing
loan ratio, the most significant indicator of asset quality,
remained far below the industry average.
In 2013, A&T Bank’s Credits Division targets to continue its
healthy, prudent and sustainable growth by considering the
risks that threaten global stability. In addition, supporting
corporate and commercial clients, analyzing their needs
through objective criteria and maintaining their contribution to
the Bank’s profitability are among the Division’s targets.
*2011 data excludes “liquidated non-cash loans”
amounting to TL 183,398.
Increase
of 2%
Non-Cash Loans (Thousand TL)
1,539,426 2011
1,572,531 2012
Increase
of 6%
Cash Loans* (Thousand TL)
695,048 2011
736,014 2012
Cash Loans/Total Assets (%)
23.07 2011
26.78 2012
2011
NPL ratio (%)
2012
0.91 A&T Bank
2.70 Industry
1.16 A&T Bank
2.86 Industry