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Profit / Loss (TL million)
2009
2010
2011
2012
2013
Change (%)
2012-2013
Interest income
6,403
5,883
6,501
8,757
9,221
5.30
Interest expense
3,326
3,153
3,607
4,672
4,431
-5.16
Net interest income
3,077
2,730
2,894
4,085
4.790
17.26
Net fee and commission income
466
443
559
448
687
53.34
Dividend income
24
35
45
57
54
-5.39
Capital market trading profit (net)
117
295
61
225
259
15.11
Foreign exchange profit (net)
61
21
-22
111
-27
-124.59
Other operating income
311
601
885
625
708
13.39
Total operating income
4,056
4,126
4,422
5,551
6,470
16.57
Provisions for loans and other receivables (-)
981
973
906
1,404
1,857
32.28
Other operating expenses (-)
1,533
1,690
1,941
2,261
2,630
16.31
Operating profit
1,542
1,463
1,575
1,885
1,983
5.17
Net monetary position profit or loss
0
0
0
0
0
-
Profit before tax
1,542
1,463
1,575
1,885
1,983
5.17
Tax provision (-)
291
306
348
425
397
-6.56
Net profit or loss for the period
1,251
1,157
1,227
1,460
1,586
8.59
Key Ratios (%)
2009
2010
2011
2012
2013
Sector
(4)
Securities / Total Assets
28.5
24.4
21.4
17.6
16.3
16.6
Loans / Total Assets
53.1
60.6
64.1
64.9
63.8
60.5
Loans / Deposits
77.1
94.0
93.9
100.9
106.1
110.7
Retail Loans / Loans
29.5
33.2
36.9
35.7
35.2
31.7
Non-performing Loans / Total Loans
(1)
5.8
4.8
3.6
3.9
3.9
2.7
Deposits / Total Liabilities
68.9
64.5
68.3
64.3
60.2
54.6
Demand Deposits / Total Deposits
13.3
15.3
14.9
16.2
16.8
18.7
Shareholders’ Equity / Total Liabilities
11.4
11.6
10.4
11.4
9.3
11.2
Funds Borrowed / Total Assets
6.7
8.6
9.2
7.1
8.4
16.0
Capital Adequacy Ratio
15.4
14.4
13.4
16.1
13.7
15.3
Return on Average Assets
(2)
2.1
1.7
1.5
1.5
1.3
1.59
Return on Average Equity
(2)
19.2
14.5
13.7
13.8
12.9
13.2
Operating Expenses / Operating Income
(3)
37.8
41.0
43.9
40.7
40.6
43.2
Deposits per Branch (TL million)
81.9
75.0
89.6
90.4
94.9
78.9
Loans per Branch (TL million)
63.2
70.5
84.1
91.2
100.7
87.4
Profit per Branch (TL million)
2.3
1.8
1.8
2.0
1.8
2.1
Deposits per Employee (TL million)
4.4
4.3
5.0
5.0
5.5
4.4
Credit Per Employee (TL million)
3.4
4.0
4.7
5.0
5.8
4.9
Profit per Employee (TL thousand)
123.2
104.5
100.4
108.5
106.1
115.4
FIve-Year Summary FInancIal InformatIon
306