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A&T BANK 2014 FAALİYET RAPORU
ANNU L R PORT 2014
Convenience Translation of Publicly Announced Unconsolidated Financial
Statements Originally Issued in Turkish, See Note I of Section Three
Arap Türk Bankası A.Ş.
Notes to Unconsolidated Financial
Statements at 31 December 2014
( Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated. )
Assessing the amount of collateral required to provide to the credit rating of the bank in the event of decrease
The Bank’s management, corporate credit risk ratings and credit worthiness of all the companies customer rating system established
with the purpose of detection and identification. “Customer Rating” process, a variety of pre-set customer credit worthiness
“qualitative” (the company’s market position, competitiveness, customer and supplier portfolio, certificates and documents issued by
independent organizations, organizational structure, such as relations with other financial institutions) and “financial” (current ratio,
liquidity ratio, profitability and debt), the factors to be analyzed according to the process. After the completion of financial data inputs
which constituting the basis for qualitative and quantitative measurement and answers to subjective questions, the system grades
all loan customers. Grading scale has a wide range vary fromminimum “D” to maximum “AAA+” up to 22 stages. If the credit risk
rating of any firm is decreasing, there will be an investigation about coverage of guarantees. Considering the guarantee lack, the Bank
make a work through about additional guarantees which can be taken from firm. And then, related department take an action about
investigating and cancelling credit protection in case of the guarantee protaction system has failed.
Gross positive fair value of contracts, netting benefits, net of current risk amount, the amount of the net position held for
guarantees and derivatives
The Bank does not have any derivative agreement in this context.
Credit Regulation on Measurement and Assessment of Capital Adequacy of Banks in Annex 2 of the 3 to 5 risk amount
obtained by the method specified in Sections
There is no agreement in this context.
The amount of the credit derivative and the current credit risk, risk classes, with the distribution of the guards
There is no protection with credit derivatives.
Protection purchased and sold within each product group based on the distribution of the credit derivatives products,
including the bank’s loan portfolio, credit derivative transactions or the amount used in intermediary activities
None.
Measurement and Assessment of Capital Adequacy of Banks within the scope of Annex-2 “
α
” if the estimated value to
obtain permission from the Authority, “
α
” value estimation
Measurement and Assessment of Capital Adequacy of Banks within the scope of Annex-2, the Internal Model Method is not used.