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203
ARAP TÜRK BANKASI A.Ş.
NOTES TO CONSOLIDATED FINANCIAL
STATEMENTS AT 31 DECEMBER 2013
( Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated. )
CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL
STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I OF SECTION THREE
4
GENERAL INFORMATION
50
CORPORATE MANAGEMENT
67
FINANCIAL INFORMATION
A&T BANK 2013 ANNUAL REPORT
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
2013
Risk Classifications
March
June September
December
Average
Contingent and Non-Contingent Receivables
from Sovereign Governments and Central Banks
393,881
436,659
509,050
540,364
469,989
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
2,078,780 2,216,628 2,215,048 2,191,113 2,175,392
Contingent and Non-Contingent Corporate
Receivables
894,242 1,086,498 1,317,307 1,627,904 1,231,488
Contingent and Non-Contingent Retail
Receivables
-
-
-
-
-
Contingent and Non-Contingent Receivables
Secured by Property
44,280
57,241
60,630
61,870
56,005
Past Due Loans
289
177
374
289
282
Higher-Risk Receivables Defined by BRSA
404,336
361,478
386,328
444,537
399,170
Marketable Securities Collateralized Mortgages
-
-
-
-
-
Securitization Exposures
-
-
-
-
-
Short-Term Receivables from Banks and
Corporate
-
-
-
-
-
Undertakings for Collective Investments in Mutual
Funds
-
-
-
-
-
Other Receivables
50,587
38,771
35,767
40,025
41,288
Total exposure to risks
3,866,395 4,197,452 4,524,504 4,906,102 4,373,613
2. Information on the control limits of the Parent 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 Parent Bank evaluates and manages credit risks that are generated from forward transactions and similar contracts together with
potential risks in the market.
3. Information on whether the Parent Bank decreases the risk by liquidating its forward transactions, options and similar
contracts in case of facing a significant credit risk or not
The Parent 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.