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PART III: FINANCIAL HIGHLIGHTS AND RISK MANAGEMENT
CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE IN NOTE I. OF SECTION THREE
TÜRKİYE VAKIFLAR BANKASI TÜRK ANONİM ORTAKLIĞI AND
ITS FINANCIAL SUBSIDIARIES
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS AS AT AND
FOR THE YEAR ENDED 31 DECEMBER 2015
(Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated.)
3. Sectoral risk concentrations of non-cash loans
Current Period
Prior Period
TL
%
FC
%
TL
%
FC
%
Agricultural
87,249
0.39 132,021
1.20 86,506
0.51 266,929
2.27
Farming and cattle
82,686
0.37 132,021
1.20
77,673
0.46 257,069
2.18
Forestry
3,528
0.02
-
-
7,898
0.05
7,540
0.06
Fishing
1,035
0.00
-
-
935
0.01
2,320
0.02
Manufacturing
9,811,692
44.34 5,696,876
51.82 7,150,408
42.33 5,753,926
48.84
Mining
1,252,878
5.66 106,628
0.97 168,108
1.00
29,069
0.25
Production
5,526,001
24.97 5,309,883
48.30 4,563,948
27.01 5,319,615
45.15
Electric, gas and water
3,032,813
13.71 280,365
2.55 2,418,352
14.32 405,242
3.44
Construction
3,374,531
15.25 2,224,897
20.24 2,996,610
17.74 2,520,479
21.39
Services
8,030,112
36.30 2,523,158
22.95 6,226,616
36.86 2,761,969
23.44
Wholesale and retail trade
3,444,760
15.57 1,584,849
14.41 2,580,882
15.29 1,597,908
13.56
Hotel, food and beverage services
110,961
0.50
1,778
0.02 125,417
0.74
5,691
0.05
Transportation and
Telecommunication
1,172,317
5.30 736,976
6.70 963,436
5.70 1,058,971
8.99
Financial institutions
2,090,603
9.45
38,056
0.35 1,515,987
8.97
11,802
0.10
Real estate and renting services
325,256
1.47
33,758
0.31 254,056
1.50
24,277
0.21
Self-employment services
610,338
2.76 110,414
1.00 591,814
3.50
44,703
0.38
Education services
23,752
0.11
4,018
0.04
24,595
0.15
3,903
0.03
Health and social services
252,125
1.14
13,309
0.12 170,429
1.01
14,714
0.12
Other
822,779
3.72 416,586
3.79 432,810
2.56 478,794
4.06
Total
22,126,363 100.00 10,993,538 100.00 16,892,950 100.00 11,782,097 100.00
4. Information on the non-cash loans classified as first and second group
Group I
Group II
Current Period
TL
FC
TL
FC
Letters of guarantee
21,714,478
4,793,867
173,386
20,949
Confirmed bills of exchange and acceptances
86,762
1,388,757
-
-
Letters of credit
16,306
4,761,086
-
11,317
Endorsements
-
-
-
-
Purchase guarantees for securities issued
-
-
-
-
Factoring guarantees
42,526
2,224
-
-
Other guarantees and sureties
-
10,522
-
-
Total Non-Cash Loans
21,860,072
10,956,456
173,386
32,266
Group I
Group II
Prior Period
TL
FC
TL
FC
Letters of guarantee
16,653,687
4,555,638
113,427
8,262
Confirmed bills of exchange and acceptances
20,836
1,943,257
-
-
Letters of credit
-
5,212,911
-
-
Endorsements
-
-
-
-
Purchase guarantees for securities issued
-
-
-
-
Factoring guarantees
29,765
5,023
-
-
Other guarantees and sureties
-
2,603
-
-
Total Non-Cash Loans
16,704,288
11,719,432
113,427
8,262
