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FINANCIAL HIGHLIGHTS AND RISK MANAGEMENT
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TÜRKİYE VAKIFLAR BANKASI TÜRK ANONİM ORTAKLIĞI AND ITS FINANCIAL SUBSIDIARIES
CONSOLIDATED FINANCIAL REPORT AS AT AND
FOR THE YEAR 31 DECEMBER 2014
(Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated.)
CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE IN NOTE I. OF SECTION THREE
Consumer loans, retail credit cards, personnel loans and personnel credit cards
Short-Term
Medium and Long-Term
Total
Consumer loans – TL
367,436
27,841,867
28,209,303
Housing loans
6,184
14,309,704
14,315,888
Automobile loans
4,180
431,240
435,420
General purpose loans
296,214
11,152,980
11,449,194
Others
60,858
1,947,943
2,008,801
Consumer loans – FC indexed
-
-
-
Housing loans
-
-
-
Automobile loans
-
-
-
General purpose loans
-
-
-
Others
-
-
-
Consumer loans – FC
1,915
7,471
9,386
Housing loans
-
-
-
Automobile loans
-
-
-
General purpose loans
1,915
7,471
9,386
Others
-
-
-
Retail credit cards – TL
3,010,894
72,025
3,082,919
With instalment
1,337,216
53,246
1,390,462
Without instalment
1,673,678
18,779
1,692,457
Retail credit cards – FC
1,433
-
1,433
With instalment
-
-
-
Without instalment
1,433
-
1,433
Personnel loans – TL
2,783
35,212
37,995
Housing loans
-
-
-
Automobile loans
-
-
-
General purpose loans
2,680
34,776
37,456
Others
103
436
539
Personnel loans – FC indexed
-
-
-
Housing loans
-
-
-
Automobile loans
-
-
-
General purpose loans
-
-
-
Others
-
-
-
Personnel loans – FC
633
7
640
Housing loans
-
-
-
Automobile loans
-
-
-
General purpose loans
633
7
640
Others
-
-
-
Personnel credit cards – TL
47,872
123
47,995
With instalment
18,454
104
18,558
Without instalment
29,418
19
29,437
Personnel credit cards – FC
92
-
92
With instalment
-
-
-
Without instalment
92
-
92
Overdraft Checking Accounts – TL (Real persons)
1,470,746
-
1,470,746
Overdraft Checking Accounts – FC (Real persons)
70
-
70
Total
4,903,874
27,956,705
32,860,579