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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
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 Parent 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.
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 Parent 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 Parent Bank’s competitive credit risk being an active participant of the international banking transactions market
The Parent 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 Parent 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 93.99% and %99.96 of the total cash loans portfolio of the Parent
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 99.42% and 100% of the total non-cash loans portfolio of the
Parent 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 Parent Bank’s total cash and non-cash loans from its top 100 and 200 loan customers comprise 77.87% and 84.31% 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 20,411 (31 December 2012: TL 11,811).