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VAKIFBANK
2014 ANNUAL REPORT
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 AT 31 DECEMBER 2014
(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
86,506
0.52 266,929
2.27
82,111
0.58 102,147
1.13
Farming and Cattle
77,673
0.46
257,069
2.19
73,609
0.52
88,829
0.98
Forestry
7,898
0.05
7,540
0.06
6,919
0.05
11,003
0.12
Fishing
935
0.01
2,320
0.02
1,583
0.01
2,315
0.03
Manufacturing
7,150,408
42.40 5,753,926
48.88 6,294,048
44.05 4,055,439
44.79
Mining
168,108
1.00
29,069
0.25
157,070
1.10
65,192
0.72
Production
4,563,948
27.06 5,319,615
45.19 3,598,968
25.19 3,836,908
42.38
Electric, gas and water
2,418,352
14.34
405,242
3.44 2,538,010
17.76
153,339
1.69
Construction
2,996,610
17.77 2,520,479
21.41 2,676,835
18.73 2,194,165
24.24
Services
6,226,616
36.92 2,756,081
23.42 4,954,666
34.68 2,661,023
29.39
Wholesale and retail trade
2,580,882
15.30 1,597,411
13.57 1,995,623
13.97 1,149,683
12.70
Hotel, food and beverageServices
125,417
0.74
5,691
0.05
100,888
0.71
19,908
0.22
Transportation and telecommunication
963,436
5.71 1,058,514
8.99
833,163
5.83 1,405,343
15.52
Financial institutions
1,515,987
8.99
7,094
0.06 1,344,214
9.41
33,321
0.37
Real estate and renting Services
254,056
1.51
24,192
0.21
185,000
1.29
14,871
0.16
Self-employment services
591,814
3.51
44,562
0.38
373,920
2.62
24,229
0.27
Education services
24,595
0.15
3,903
0.03
15,556
0.11
1,644
0.02
Health and social services
170,429
1.01
14,714
0.13
106,302
0.74
12,024
0.13
Others
403,045
2.39 473,323
4.02 280,382
1.96
40,563
0.45
Total
16,863,185
100.00 11,770,738
100.00 14,288,042
100.00 9,053,337
100.00
4. Information on the first and second group of non-cash loans
Current Period
Group I
Group II
TL
FC
TL
FC
Letters of Guarantee
16,653,687
4,549,302
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
-
-
-
-
Other Guarantees and Sureties
-
2,603
-
-
Non-Cash Loans
16,674,523
11,708,073
113,427
8,262
Prior Period
Group I
Group II
TL
FC
TL
FC
Letters of Guarantee
14,118,035
3,573,362
85,579
5,476
Confirmed Bills of Exchange and Acceptances
12,129
1,039,635
-
514
Letters of Credit
7,866
4,381,798
-
232
Endorsements
-
-
-
-
Purchase Guarantees for Securities Issued
-
-
-
-
Factoring Guarantees
-
-
-
-
Other Guarantees and Sureties
-
1,919
-
-
Non-Cash Loans
14,138,030
8,996,714
85,579
6,222