VKF_FRAE_2017

407 VakıfBank Annual Report 2017 KEY RATIOS (%) 2013 2014 2015 2016 2017 Securities/Total Assets 16.01 14.65 13.37 12.23 11.20 Loans/Total Assets 63.84 65.95 67.22 68.98 67.21 Loans/Deposits 106.09 113.72 111.87 118.40 117.81 Retail Loans/Loans 35.25 31.48 29.77 27.99 26.21 Commercial Loans/Loans 64.75 68.52 70.23 72.01 73.79 Non-performing Loans/Total Loans 3.92 3.67 3.79 4.19 4.01 Deposits/Total Liabilities 60.17 57.99 60.08 58.27 57.39 Demand Deposits/Total Deposits 16.77 18.32 18.45 19.73 19.40 Shareholders’ Equity/Total Liabilities 9.31 9.34 9.17 9.05 8.60 Funds Borrowed/Total Liabilities 8.42 9.43 10.14 11.38 10.46 Capital Adequacy Ratio 13.70 13.96 14.52 14.16 15.52 Return on Average Assets 1.32 1.19 1.13 1.37 1.54 Return on Average Equity 12.92 12.80 12.24 15.01 17.52 MARKET SHARE (%) 2013 2014 2015 2016 2017 Securities Portfolio 7.72 7.79 7.69 7.85 7.55 Loans 8.26 8.41 8.28 8.45 8.72 Commercial Loans 7.83 8.08 7.85 8.03 8.38 Retail Loans 9.18 9.23 9.51 9.77 9.82 Non-Performing Loans (Net) 3.64 2.52 6.67 8.33 7.85 Non-Performing Loans (Gross) 11.92 10.91 10.20 11.03 11.94 Special Provisions (-) 14.49 13.88 11.40 11.81 13.00 Deposits 8.62 8.72 8.83 8.52 9.08 Term Deposits 8.83 8.77 8.90 8.58 9.29 Demand Deposits 7.72 8.47 8.51 8.27 8.29 Total Funds Borrowed 5.74 6.26 6.57 7.15 6.83 Guarantees and Commitments 6.99 7.46 7.21 7.32 7.71 Total Assets 7.82 7.93 7.76 7.78 8.31 Shareholders' Equity 6.51 6.37 6.39 6.41 6.48 NET PROFIT OR LOSS 6.43 7.12 7.41 7.20 7.59