Page 94 - A&T BANK ANNUAL REPORT 2012

GENERAL INFORMATION
CORPORATE MANAGEMENT
FINANCIAL INFORMATION
ARAP TÜRK BANKASI ANONİM ŞİRKETİ
UNCONSOLIDATED 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 July August September October November December Average
Contingent and Non-Contingent Receivables from Sovereign Governments and Central Banks 428,378 392,503 363,875 325,948 325,624 323,864 364,532
Contingent and Non-Contingent Receivables from Regional Governments and Local Authorities -- -- -- -- -- -- --
ContingentandNon-ContingentReceivablesfromAdministrativeUnitsandNon-commercialEnterprises -- -- -- -- -- -- --
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 1,947,585 2,008,629 1,931,947 1,661,030 1,760,143 2,119,361 1,904,782
Contingent and Non-Contingent Corporate Receivables 641,728 633,306 611,774 702,172 735,616 700,103 670,783
Contingent and Non-Contingent Retail Receivables 649 712 798 -- -- -- 360
Contingent and Non-Contingent Receivables Secured by Property 31,464 34,228 32,475 34,615 21,039 34,734 31,426
Past Due Loans 1,861 1,862 -- -- 295 295 719
Higher-Risk Receivables Defined by BRSA -- -- -- 162,764 206,352 259,219 104,722
Marketable Securities Collateralized Mortgages -- -- -- -- -- -- --
Securitization Exposures -- -- -- -- -- -- --
Short-Term Receivables from Banks and Corporate -- -- -- -- -- -- --
Undertakings for Collective Investments in Transferable Securities -- -- -- -- -- -- --
Other Receivables 104,367 76,825 76,941 78,240 76,448 81,112 82,322
Total exposure to risks 3,156,032 3,148,065 3,017,810 2,991,769 3,125,517 3,518,688 3,159,646
2. Information on the control limits of the 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 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 Bank decreases the risk by liquidating its forward transactions, options and similar
contracts in case of facing a significant credit risk or not
The 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.
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 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.