Page 99 - A&T BANK ANNUAL REPORT 2012

97 96 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
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 2.19 16,556 4.28 304 0.06
Farming and Raising
Livestock 32,251 10.86 8,918 2.03 16,556 4.28 -- --
Forestry -- -- 686 0.16 -- -- 304 0.06
Fishing -- -- -- -- -- -- -- --
Manufacturing 64,236 21.64 184,762 42.07 78,400 20.28 129,133 26.25
Mining -- -- 10,855 2.47 -- -- 11,526 2.34
Production 64,236 21.64 173,907 39.60 78,400 20.28 117,607 23.91
Electric, gas and water -- -- -- -- -- -- -- --
Construction 56,821 19.14 95,009 21.63 48,007 12.42 44,343 9.01
Services 143,006 48.18 96,505 21.97 243,357 62.96 318,148 64.67
Wholesale and retail trade 10,632 3.58 10,090 2.30 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 86,119 19.61 237,148 61.35 278,259 56.57
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 12.14 198 0.06 -- --
Total 296,840 100.00 439,174 100.00 386,518 100.00 491,928 100.00
The Parent Bank’s distribution ofStandard Cash Loans and Non-cash Loans according to their collateral structure
Cash Loans 31 December 2012 31 December 2011
Personal guarantees 294,145 459,850
Secured by Customer Cheques & Notes 131,770 183,990
Secured by cash collateral -- --
Secured by mortgages 32,909 18,279
Secured by export LC 58,114 17,825
Secured loans 516,938 679,944
FX differences on the principals ofFX indexed loans (509) (69)
Accrued interest 4,983 15,173
Non secured cash loans 214,602 183,398
Total Cash Loans 736,014 878,446