ATB_FRAE_2015

202 A&T BANK ANNUAL REPORT 2015

ARAP TÜRK BANKASI ANONİM ŞİRKETİ

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

AT 31 DECEMBER 2015

(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

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

2015

Risk Classifications

January February

March

April

May

June

July August September October November December Average

Contingent and Non-Contingent Receivables from Sovereign Governments and Central Banks

494,821 604,383 665,379 658,924 796,286 694,952 846,714 896,762 956,006 932,776 1,092,869 1,084,731 810,384

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 from Multilateral Development Banks

Contingent and Non-Contingent Receivables from International Organizations

Contingent and Non-Contingent Receivables from Banks and Financial Intermediaries

2,713,470 2,677,662 2,565,991 2,473,977 2,011,386 2,337,261 2,223,695 2,243,842 2,522,993 2,535,456 2,599,622 2,602,338 2,458,975

Contingent and Non-Contingent Corporate Receivables

1,665,698 1,657,391 1,837,497 1,775,725 1,717,987 1,753,112 1,772,959 1,827,783 1,962,725 1,841,489 1,663,533 1,620,378 1,758,023

Contingent and Non-Contingent Retail Receivables

Contingent and Non-Contingent Receivable Secured by Property

57,395 39,775 38,913 38,292 36,987 37,726 38,912 41,130

42,269 39,255 40,062 39,201 40,826

Past Due Loans

1,878

2,560

2,604

2,961

2,961 22,759 21,742 11,620

22,279 13,876 13,097

1,943 10,023

Higher-Risk Receivables Defined by BRSA

265,992 211,297 228,214 331,754 359,342 354,332 348,411 326,628 330,548 202,950 185,833 174,069 276,614

Marketable Securities Collateralized Mortgages

Securitization Exposures

Short-Term Receivables from Banks and Corporate

Undertakings for Collective Investments in Mutual Funds

Other Receivables

34,048 44,156 54,498 43,994 43,311 42,394 44,347 46,790

50,183 46,329 40,006 42,287 44,362

Total exposure to risks

5,233,302 5,237,224 5,393,096 5,325,627 4,968,260 5,242,536 5,296,780 5,394,555 5,887,003 5,612,131 5,635,022 5,564,947 5,399,207