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PART III: FINANCIAL HIGHLIGHTS AND RISK MANAGEMENT
CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED UNCONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I. OF SECTION THREE
TÜRKİYE VAKIFLAR BANKASI TÜRK ANONİM ORTAKLIĞI
UNCONSOLIDATED FINANCIAL REPORT
FOR THE YEAR ENDED 31 DECEMBER 2015
(Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated.)
The Bank’s largest 100 cash loan customers compose 24.60% of the total cash loan portfolio (31 December 2014: 22.08%).
The Bank’s largest 100 non-cash loan customers compose 54.95% of the total non-cash loan portfolio (31 December 2014: 56.67%).
The Bank’s largest 100 cash loan customers compose 16.53 % of total assets of the Bank and the Bank’s largest 100 non-cash loan customers compose
15.46% of total off-balance sheet items (31 December 2014: 14.56% and 17.74%).
The Bank’s largest 200 cash loan customers compose 30.24% of the total cash loan portfolio (31 December 2014: 27.73%).
The Bank’s largest 200 non-cash loan customers compose 67.04% of the total non-cash loan portfolio (31 December 2014: 68.35%).
The Bank’s largest 200 cash loan customers compose 20.33 % of total assets of the Bank and the Bank’s largest 200 non-cash loan customers compose
18.86% of total off-balance sheet items (31 December 2014: 18.29% ve 21.40%).
The general provision for credit risk amounts to TL 1,957,603 (31 December 2014: TL 1,603,242).
Risk Classifications:
Current Period
Risk Amount
(*)
Average
Risk Amount
(**)
Claims on sovereigns and Central Banks
56,190,457
56,978,857
Claims on regional governments or local authorities
3,701,273
3,248,031
Claims on administrative bodies and other non-commercial undertakings
1,082,396
1,081,897
Claims on multilateral development banks
218
36
Claims on international organizations
-
-
Claims on banks and intermediary institutions
9,413,986
11,402,422
Claims on corporate
58,507,417
57,111,324
Claims included in the regulatory retail portfolios
28,712,395
28,196,225
Claims secured by residential property
39,642,054
36,961,615
Past due loans
806,175
503,524
Higher risk categories decided by the Agency
11,283,082
11,158,293
Marketable securities secured by mortgages
-
-
Securitization exposures
-
-
Short-term claims and short-term corporate claims on banks and intermediary institutions
-
-
Undertakings for collective investments in mutual funds
-
548
Other claims
7,481,758
6,208,621
(*)
Before reducing the credit risk, the rate of the post credit conversion is given.
(**)
Average risk amount is calculated based on the arithmetic average of the monthly risk amounts after conversion for January-December 2015 period.
