VKF_FRAE_2018_uyg11

518 Part III: Financial Highlights and Assessment of Risk Management INDICATOR RATIOS (%) 2014 2015 2016 2017 2018 Securities/Total Assets 14.65 13.37 12.23 11.20 14.80 Loans/Total Assets 65.95 67.22 68.98 67.61 66.88 Loans/Deposits 113.72 111.87 118.40 117.81 123.52 Retail Loans/Loans 31.48 29.77 27.99 26.21 23.20 Commercial Loans/Loans 68.52 70.23 72.01 73.79 76.80 NPL Ratio 3.67 3.79 4.19 4.01 4.65 Deposits/Total Liabilities 57.99 60.08 58.27 57.39 54.14 Demand Deposits/Total Deposits 18.32 18.45 19.73 19.40 20.11 Shareholders' Equity/Total Liabilities 9.34 9.17 9.05 8.60 8.56 Loans Borrowed/Total Liabilities 9.43 10.14 11.38 10.46 12.48 Capital Adequacy Ratio 13.96 14.52 14.16 15.52 16.99 Average Return on Assets 1.19 1.13 1.37 1.54 1.38 Average Return on Equity 12.80 12.24 15.01 17.52 16.10 MARKET SHARES (%) 2014 2015 2016 2017 2018 SECURITIES PORTFOLIO 7.67 7.42 7.40 7.55 10.27 LOANS 8.41 8.28 8.45 8.72 9.25 Commercial Loans 8.08 7.85 8.03 8.38 9.00 Retail Loans 9.23 9.51 9.77 9.82 10.20 Non-Performing Loans 10.91 10.20 11.03 11.94 11.18 Allowance for Expected Credit Losses 13.88 11.40 11.81 13.00 12.15 DEPOSITS 8.72 8.83 8.52 9.08 8.81 Term Deposits 8.77 8.90 8.58 9.29 8.95 Demand Deposits 8.47 8.51 8.27 8.29 8.31 GROSS LOANS 6.26 6.57 7.15 6.83 8.69 GUARANTEES AND COMMITMENTS 7.46 7.21 7.32 7.71 8.35 TOTAL ASSETS 7.93 7.76 7.78 8.31 8.57 SHAREHOLDERS’ EQUITY 6.37 6.39 6.41 6.48 6.73 NET PROFIT/LOSSES 7.12 7.41 7.20 7.65 7.76 FIVE-YEAR SUMMARY FINANCIAL INFORMATION Proudly produced by FİNAR. www.finarkurumsal.com