VKF_FRAE_2017

249 VakıfBank Annual Report 2017 CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED UNCONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUEDIN TURKISH, SEE NOTE I. OF SECTION THREE TÜRKİYE VAKIFLAR BANKASI TÜRK ANONİM ORTAKLIĞI EXPLANATIONS AND NOTES RELATED TO THE UNCONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED DECEMBER 31, 2017 (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 40,142 0.13 20,449 0.11 81,809 0.30 382,403 2.79 Farming and Cattle 35,606 0.11 20,449 0.11 69,203 0.26 378,930 2.76 Forestry 3,213 0.01 - 0.00 11,601 0.04 3,473 0.03 Fishing 1,323 0.01 - 0.00 1,005 0.00 - 0.00 Manufacturing 12,256,698 38.17 7,292,016 39.09 10,907,710 40.79 7,157,290 52.22 Mining 281,602 0.87 175,494 0.94 1,157,275 4.33 144,199 1.05 Production 7,930,683 24.70 6,505,402 34.87 6,697,549 25.04 6,606,838 48.21 Electric, gas and water 4,044,413 12.60 611,120 3.28 3,052,886 11.42 406,253 2.96 Construction 4,855,489 15.12 1,577,187 8.45 4,216,428 15.77 2,323,864 16.96 Services 13,929,661 43.38 5,397,807 28.93 9,412,571 35.20 2,601,267 18.98 Wholesale and retail trade 5,412,904 16.86 3,084,564 16.54 4,056,016 15.17 1,556,748 11.36 Hotel, food and beverage Services 269,673 0.84 18,654 0.10 112,775 0.42 378 0.00 Transportation and telecommunication 1,530,254 4.77 754,438 4.04 1,330,694 4.98 876,095 6.39 Financial institutions 3,537,700 11.02 437,212 2.34 2,492,659 9.32 66,272 0.48 Real estate and renting Services 1,558,909 4.85 408,524 2.19 358,074 1.34 28,456 0.21 Self-employment services 1,439,047 4.48 682,640 3.66 700,053 2.62 66,033 0.48 Education services 37,182 0.12 8,202 0.04 18,627 0.07 1,588 0.01 Health and social services 143,992 0.44 3,573 0.02 343,673 1.28 5,697 0.05 Other 1,027,932 3.20 4,370,203 23.42 2,124,938 7.94 1,240,144 9.05 Total 32,109,922 100.00 18,657,662 100.00 26,743,456 100.00 13,704,968 100.00 4. Information on the first and second group of non-cash loans Group I Group II Current Period TL FC TL FC Letters of Guarantee 31,630,753 8,020,115 240,831 110,773 Confirmed Bills of Exchange and Acceptances 44,700 1,510,854 - - Letters of Credit 30,161 8,959,467 - 4,523 Endorsements - - - - Purchase Guarantees for Securities Issued - - - - Factoring Guarantees - - - - Other Guarantees and Sureties - 46,052 - - Non-Cash Loans 31,705,614 18,536,488 240,831 115,296