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Publications & Results
Key Financial Indicators | TRY
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BALANCE SHEET
(TRY 000) | | | | | |
| Assets | 2008/9 | Share | 2007/12 | Share | Ytd Change |
| Cash and Banks | 15,311,577 | 16.6% | 14,045,101 | 17.5% | 9.0% |
| Securities (Net) [1] | 24,233,179 | 26.3% | 24,326,340 | 30.3% | -0.4% |
| Loans | 45,749,358 | 49.7% | 33,979,841 | 42.4% | 34.6% |
| Non-Performing Loans (Net) | 0 | 0.0% | 0 | 0.0% | - |
| Affiliates and Subsidiaries | 3,702,807 | 4.0% | 4,816,760 | 6.0% | -23.1% |
| Other Assets | 3,045,040 | 3.4% | 3,012,875 | 3.8% | 1.1% |
| Total Assets | 92,041,961 | 100.0% | 80,180,917 | 100.0% | 14.8% |
| Liabilities and Shareholders' Equity | 2008/9 | Share | 2007/12 | Share | Ytd Change |
| Deposits | 56,067,248 | 60.9% | 48,533,145 | 60.5% | 15.5% |
| REPO and Money Market | 9,777,244 | 10.6% | 5,802,558 | 7.2% | 68.5% |
| Funds Borrowed | 10,233,371 | 11.1% | 9,962,882 | 12.4% | 2.7% |
| Other Liabilities | 6,138,498 | 6.7% | 5,278,470 | 6.7% | 16.3% |
| Shareholders' Equity | 9,825,600 | 10.7% | 10,603,862 | 13.2% | -7.3% |
| Total Liabilities and Shareholders' Equity | 92,041,961 | 100.0% | 80,180,917 | 100.0% | 14.8% |
INCOME STATEMENT
(TRY 000) | 2008/9 | 2007/9 | YoY Change |
| Net Interest Income | 2,670,326 | 2,117,113 | 26.1% |
| Net FX Gains / Losses | 160,213 | -73,107 | 319.1% |
| Net Trading Gains / Losses from Securities | 114,672 | 390,990 | -70.7% |
| Net Fees and Commissions Received | 894,227 | 783,952 | 14.1% |
| Dividends Received | 267,044 | 136,531 | 95.6% |
| Released Provisions | 436,324 | 201,647 | 116.4% |
| Other Operating Income | 142,067 | 304,106 | -53.3% |
| TOTAL OPERATING INCOME | 4,684,873 | 3,861,232 | 21.3% |
| Personnel Expenses | 953,283 | 821,894 | 16.0% |
| Administrative Expenses | 669,958 | 450,838 | 48.6% |
| Other Operating Expenses | 509,978 | 262,885 | 94.0% |
| TOTAL OPERATING EXPENSE | 2,133,219 | 1,535,617 | 38.9% |
| Loan Loss Provision Charges | 519,949 | 345,751 | 50.4% |
| Other Provision Charges | 398,785 | 267,233 | 34.2% |
| Net Monetary Gain / Loss | 0 | 0 | - |
| Corporate Tax | 323,402 | 322,787 | 0.2% |
| NET PROFIT | 1,309,518 | 1,359,844 | -3.7% |
OTHER KEY INDICATORS
(TRY 000) | 2008/9 | 2007/12 | Ytd Change |
| Tier I Capital | 10,715,363 | 10,055,847 | 6.6% |
| Tier II Capital | 377,341 | 889,782 | -57.6% |
| Deductions from Capital | 100,145 | 111,387 | -10.1% |
| Total Regulatory Capital | 10,992,559 | 10,834,242 | 1.5% |
| Amount Subject to Market Risk | 4,573,950 | 3,726,425 | 22.7% |
| Amount Subject to Operational Risk | 7,699,174 | 6,408,553 | 20.1 |
| Amount Subject to Credit Risk | 54,220,228 | 42,627,319 | 27.2% |
| Net FX Position | -310,513 | -232,636 | -33.5% |
| Net FX Position / Balance Sheet | 3,553,821 | 1,515,796 | 134.5% |
| Net FX Position / Off-Balance Sheet | -3,864,334 | -1,748,432 | -121.0% |
| Demand Deposits | 9,297,816 | 7,990,755 | 16.4% |
| Number of Branches | 992 | 939 | 5.6% |
| Number of Personnel | 20,316 | 19,414 | 4.6% |
| Number of ATMs | 3,235 | 3,005 | 7.7% |
| Number of Credit Cards | 4,633,760 | 4,011,145 | 15.5% |
| Number of POS Terminals | 259,487 | 230,206 | 12.7% |
| FINANCIAL RATIOS | 2008/9 | 2007/12 |
| Government Securities / Total Securities | 92.0% | 92.6% |
| FC Securities / Total Securities | 42.5% | 42.2% |
| Retail Loans / Total Loans [2] | 32.2% | 34.7% |
| FC Loans / Total Loans | 27.7% | 26.2% |
| Related Party Loans / Total Loans | 1.1% | 1.6% |
| Loans / Deposits | 81.6% | 70.0% |
| NPL Ratio | 3.6% | 4.2% |
| NPL Ratio / Consumer Loans | 1.4% | 1.1% |
| NPL Ratio / Credit Card Loans | 5.1% | 4.7% |
| NPL Coverage Ratio | 100.0% | 100.0% |
| Interest Earning Assets / Total Assets | 91.8% | 89.6% |
| Interest Earning Assets / Interest Bearing Liabilities | 111.1% | 111.7% |
| FC Deposits / Total Deposits | 33.4% | 35.6% |
| TRY Saving Deposits / Total Deposits | 40.7% | 37.9% |
| Demand Deposits / Total Deposits | 16.6% | 16.5% |
| Retail Funding / Total Liabilities | 71.8% | 74.3% |
| Capital Adequacy Ratio | 16.5% | 20.5% |
| Tier I Ratio | 16.1% | 19.1% |
| Net FX Position / Shareholders' Equity | -2.8% | -2.1% |
| Interest Spread / TRY [3] | 5.6% | 5.3% |
| Interest Spread / FX [4] | 3.4% | 3.3% |
| Net ınterest Margin [5] | 5.2% | 4.3% |
| Cost / Income | 45.5% | 36.7% |
| Net Fees and Commissions Received / Operating Income | 19.1% | 18.3% |
| ROAA | 2.0% | 2.2% |
| ROAE | 17.1% | 17.0% |
| ROAE / On Banking Business | 25.0% | 24.3% |
| Payout Ratio | - | 34.6% |
| LOAN COMPOSITION | 2008/9 | 2007/12 |
| Consumer Loans | 22.3% | 24.4% |
| - Housing Loans | 8.3% | 10.9% |
| - Auto Loans | 2.2% | 2.6% |
| - General Type Consumer Loans | 11.8% | 10.9% |
| Overdraft Accounts | 2.4% | 3.0% |
| Credit Card Loans | 9.8% | 9.9% |
| Installment Type Commercial Loans | 18.6% | 20.7% |
| Other TRY Loans | 19.2% | 15.7% |
| FC Loans | 27.7% | 26.2% |
| DEPOSIT COMPOSITION | 2008/9 | 2007/12 |
| TRY Deposits | 66.6% | 64.4% |
| - Interbank Deposits | 0.8% | 1.2% |
| - Savings Deposits | 40.7% | 37.9% |
| - Commercial Deposits | 16.2% | 17.2% |
| - Public Sector Deposits | 2.2% | 2.2% |
| - Other Institutions | 6.7% | 5.9% |
| FC Deposits | 33.4% | 35.6% |
| - Interbank Deposits | 1.8% | 0.4% |
| - Non-Bank FC Deposits | 31.6% | 35.2% |
[1]Excluding derivative instruments.
[2]Retail Loans include consumer loans, retail credit card loans and retail overdraft accounts.
[3]Yield on TRY Loans - Cost of TRY Deposits
[4]Yield on FC Loans - Cost of FC Deposits
[5]On a TRY and FC blended base including trading gains and losses
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