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134
ARAP TÜRK BANKASI A.Ş.
NOTES TO UNCONSOLIDATED FINANCIAL
STATEMENTS AT 31 DECEMBER 2013
( Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated. )
CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED UNCONSOLIDATED FINANCIAL
STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I OF SECTION THREE
Risk Types -Prior Period
Amount
(1)
Financial
Collaterals
Other/Physical
Collaterals
Guarantees and
credit derivatives
Contingent and Non-Contingent Receivables
from Central Governments and Central Banks
323,864
-
-
-
Contingent and Non-Contingent Receivables
from Regional Governments and Local Authorities
-
-
-
-
Contingent and Non-Contingent Receivables
from Administrative Units and Non-commercial
Enterprises
-
-
-
-
Contingent and Non-Contingent Receivables
fromMultilateral Development Banks
-
-
-
-
Contingent and Non-Contingent Receivables
from International Organizations
-
-
-
-
Contingent and Non-Contingent Receivables
from Banks and Financial Intermediaries
2,119,361
312
-
-
Contingent and Non-Contingent Corporate
Receivables
700,103
3,930
-
-
Contingent and Non-Contingent Retail
Receivables
-
-
-
-
Contingent and Non-Contingent Receivables
Secured by Residential Property (2)
34,734
12
-
-
Past Due Loans
295
-
-
-
Higher-Risk Receivables Defined by BRSA
259,219
230,495
-
-
Marketable Securities Collateralized Mortgages
-
-
-
-
Securitization Exposures
-
-
-
-
Short-Term Receivables from Banks and
Corporate
-
-
-
-
Undertakings for Collective Investments in
Transferable Securities
-
-
-
-
Other Receivables
81,112
-
-
-
Total
3,518,688
234,749
-
-
(1)
Includes the total amount before taking into account the effects of credit risk mitigation.
(2)
The real estate mortgages that used to determine the risk classes are taken into consideration regarding the “Regulation on Measurement and Assessment of
Capital Adequacy of Banks”, Article 6
Risk management target and policies
The Bank’s risk strategy, policy, and procedures are approved by board of directors in order to make policies that are determined, to
be approved, to evaluate and manage the risk that bank is exposed to, and to make it in compliance with changing circumstances,
necessary conditions are determined.
The Bank's risk management principles are summarized below:
- Being selective about taken risks.
- Identifying risks effectively, measuring, analyzing and managing,
- Ensuring the risk-return balance,
- Taking robust guarantees level to meet the existing and potential risks and monitoring closely the adequacy of collateral,
- Having enough capital structure to provide present and future potential risks.
- Ensuring risks that are kept within defined limits,
- Controlling all activities compliance with approved policies and procedures,
- Provide activities in accordance with laws and regulations,
- Establish corporate risk culture within the Bank,
- Providing effective reporting channels which will help to informmanagement level to prevent delay about every type of
inconsistencies.
- In order to follow and to manage risks, Bank and market data reviewed regularly. Within the scope of classifying risks besides of legal
limits also bank internal limits are provided.