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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.)
Information According to Sectors and Counterparties
Loans
Current Period
Impaired
(*)
Past Due
(**)
Value
Adjustments
(***)
Provisions
Agricultural
97,854
63,490
1,082
84,031
Farming and raising livestock
87,308
57,860
995
74,536
Forestry
8,408
3,188
75
7,669
Fishing
2,138
2,442
12
1,826
Manufacturing
1,092,095
263,507
6,344
899,226
Mining
139,744
7,731
63
73,788
Production
946,606
250,811
6,197
820,424
Electric, Gas, Water
5,745
4,965
84
5,014
Construction
538,816
214,734
4,877
463,489
Services
1,592,010
1,344,869
26,214
1,362,549
Wholesale and retail trade
969,437
596,895
12,883
818,176
Hotel, Food and Beverage Services
101,335
82,970
1,283
86,187
Transportation and telecommunication
311,208
448,813
8,132
271,145
Financial Institutions
10,448
4,873
89
10,281
Real estate and renting services
46,858
21,350
311
42,251
Self-employment services
119,204
145,031
2,792
105,315
Education services
8,723
17,877
333
7,744
Health and social services
24,797
27,060
391
21,450
Other
1,817,338
2,797,820
74,248
1,419,884
Total
5,138,113
4,684,420
112,765
4,229,179
(*)
Impaired loans are composed of group three, four and five loans.
(**)
Past due loans and other receivables consist of loans and other receivables that are past due up to ninety days.
(***)
Value adjustments represents general provisions of non-performing loans.
Loans
Prior Period
Impaired
(*)
Past Due
(**)
Value
Adjustments
(***)
Provisions
Agricultural
84,649
33,519
806
82,268
Farming and raising livestock
73,386
29,466
632
71,369
Forestry
7,255
1,271
90
6,917
Fishing
4,008
2,782
84
3,982
Manufacturing
943,578
281,898
11,181
860,342
Mining
62,492
7,706
3,240
36,654
Production
875,924
269,229
7,900
818,873
Electric, Gas, Water
5,162
4,963
41
4,815
Construction
454,112
179,450
5,530
426,444
Services
1,359,276
1,291,693
29,871
1,258,092
Wholesale and retail trade
824,331
602,209
15,099
759,894
Hotel, Food and Beverage Services
58,144
78,793
1,445
55,388
Transportation and telecommunication
280,028
433,429
9,073
261,312
Financial Institutions
9,659
2,999
78
8,930
Real estate and renting services
44,923
11,288
234
41,194
Self-employment services
109,543
121,114
3,041
101,835
Education services
6,838
9,717
170
4,814
Health and social services
25,810
32,144
731
24,725
Other
1,340,350
1,983,307
79,209
1,234,162
Total
4,181,965
3,769,867
126,597
3,861,308
(*)
Impaired loans are composed of group three, four and five loans.
(**)
Past due loans and other receivables consist of loans and other receivables that are past due up to ninety days.
(***)
Value adjustments represents general provisions of non-performing loans.
