İŞBANK’S TOTAL LOANS
GREW 16.5% IN 2012 AND
REACHED TL 106.7 BILLION.
İşbank’s total loans grew 16.5% in 2012 and
reached TL 106.7 billion.
In 2012, İşbank retained its leadership in
market share in Turkish lira and total loans
among all banks, and in consumer loans
among privately-owned banks. On the
other hand, İşbank captured the sector’s
leadership in foreign currency loans as of
the end of 2012.
İşbank pays utmost attention to diversify its
loan portfolio with respect to types of loans.
Retail loans (28.6%) and corporate and
commercial loans (71.4%) comprise İşbank’s
loan book.
İşbank, in 2012, grew its total deposits by
7.2% to TL 105.4 billion. Deposits continued
to serve as İşbank’s largest funding source
in 2012, and accounted for 60.1% of total
liabilities.
As of year-end 2012, İşbank is the leader
among privately-owned banks in TL, FC,
demand and total deposits.
As the market’s leader among privately-
owned banks in terms of Turkish lira savings
deposits, worth TL 41.5 billion, İşbank has
played an active part in rechanneling savings
to the economy.
TOTAL LOANS (TL MILLION)
2011
91,621
106,716
16.5%
2012
TOTAL DEPOSITS (TL MILLION)
2011
98,313
105,383
2012
7.2%
The ratio of non-performing loans (NPL) to
total loans continued to slide down in 2012.
At 1.9% at year-end 2012, the NPL ratio
remained below the sector’s average.
In 2012, İşbank increased its gross (pre-tax)
profit by 25.0%, reaching TL 4.1 billion.
With its net profit up by 24.1% to TL 3.3
billion, İşbank has also claimed sector
leadership in this area.
2011
3,298
4,121
2012
2011
2,667
3,310
2012
GROSS AND NET PROFIT (TL MILLION)
Gross Profit
Net Profit
-0.2
2011
2.1%
2012
NPL RATIO (%)
1.9%
INTRODUCTION
ACTIVITIES
CORPORATE GOVERNANCE
FINANCIAL INFORMATION AND RISK MANAGEMENT
29
İŞBANK
ANNUAL REPORT 2012
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