Page 95 - A&T BANK ANNUAL REPORT 2012

93 92 A&T BANK 2012 ANNUAL REPORT •
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
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 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 Bank’s competitive credit risk being an active participant of the international banking transactions market
The 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 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
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 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 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).
8. Geographical distribution of risk amounts decomposed as part of significant risk groups.
Central
Governments
and Central
Banks
Banks and
Financial
Intermediaries
Corporate
Receivables
Receivables
Secured by
Residential
Property
Past due
loans(****)
Higher-Risk
Receivables
Defined by
BRSA
Other
receivables Total
Domestic 323,864 1,984,603 700,103 34,734 295 278 40,660 3,084,537
European Union Countries -- 37,587 -- -- -- -- -- 37,587
OECD Countries(**) -- 1,172 -- -- -- -- -- 1,172
Off-Shore Banking Regions -- -- -- -- -- -- --
USA, Canada -- 1,213 -- -- -- -- -- 1,213
Other Countries -- 69,352 -- -- -- 258,941 -- 328,293
Associates, subsidiaries and jointly controlled partnership -- 25,434 -- -- -- -- 40,452 65,886
Unallocated Assets/Liabilities (***) -- -- -- -- -- -- -- --
Total 323,864 2,119,361 700,103 34,734 295 259,219 81,112 3,518,688
(*)Regulation on Measurement and Assessment of Capital Adequacy of Banks in the risk classes are taken into consideration.
(**)OECD Countries excluding European countries, USA and Canada
(***)Assets and liabilities that cannot be allocated on a consistent basis
(****) Net value of nonperforming loans