Page 42 - TURKRptDec21

6.1.2 NPLs
Major NPL sales by Turkish lenders
Seller
TRYmn
Price
Recovery
Buyers
Sep-21
QNB Finansbank (QNBFB)
1,055
206
20%
Ortak, Dunya, Hedef
Mar-21
Isbank (ISCTR)
745
72
10%
Emir, Istanbul, Gelecek, Hedef, Arsan
Dec-19
ICBC
18
-
-
Emir
Dec-19
Seker
150
-
-
Sumer
Dec-19
Akbank
715
33
5%
Istanbul, Gelecek
Dec-19
Garanti
323
25
8%
Efes, Gelecek
Oct-19
Deniz
205
-
-
Hedef, Emir
Sep-19
Isbank
1,097
32
3%
Efes, Hayat, Birikim, Dogru
Jul-19
Garanti
260
19
7%
Gelecek
Jun-19
Yapi Kredi
917
26
3%
Arsan, Dogru, Efes, Emir, Gelecek, Hayat, Sumer
Jun-19
Seker
203
-
-
-
May-19
Yapi Kredi
298
23
8%
Hayat, Arsan
May-19
Isbank
418
30
7%
Efes, Gelecek
Apr-19
Garanti
365
19
5%
Sumer
Apr-19
Yapi Kredi
529
16
3%
Gelecek, Hayat
Mar-19
Yapi Kredi
396
24
6%
Efes, Gelecek
Jun-17
ICBC
4
0.3
6%
Hedef
Turkey Banking Industry: Problem Loans
NPL
Monitoring
Problem
Performing
Total
NPL
Monitoring
Total
TRYbn
Stage 3-4-5
Stage 2
2+3
Equity
Stage 1
Loans
Ratio
Ratio
Ratio
Sep-2020
151
382
533
569
3,022
3,555
4.2%
10.7%
15.0%
Jan-2021
152
388
539
605
3,015
3,555
4.3%
10.9%
15.2%
Mar-2021
150
419
569
604
3,209
3,777
4.0%
11.1%
15.1%
Jun-2021
140
417
557
631
3,345
3,904
3.6%
10.7%
14.3%
Turkey: Loan Classification
Actual Grouping
Forebarance (March 2020 - September 2021)
As of October 1
I. Group
Standard loans
Performing
In repayments: No delays longer than 30 days
No delays longer than 90 days
No delays longer than 30 days
II. Group
Under close monitoring
Performing
Delays longer than 30 days but shorther than 90 days (plus) Restructured Loans regardless of the group of origin
Delays longer than 90 days but shorther than 180 days (plus) Restructured Loans regardless of the group of origin
Loans delayed longer than 91 days will remain in this group until 180th day
III. Group
Limited potential for recovery
Non-perfor ming
Delays longer than 90 days but shorther than 180 days (plus) Restructured Loans that have defaulted longer than 30 days
IV. Group
Doubtful
Non-perfor ming
Delays longer than 180 days but shorther than 1 year
V. Group
Classified as a loss
Non-perfor ming
Delays longer than 1 year
42 TURKEY Country Report December 2021 www.intellinews.com