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FINANCIAL HIGHLIGHTS AND RISK MANAGEMENT
320
FIVE-YEAR SUMMARY
FINANCIAL INFORMATION
Key Ratios (%)
2010
2011
2012
2013
2014 Sector (4)
Securities / Total Assets
24.4
21.4
17.6
16.3
14.6
15.2
Loans / Total Assets
60.6
64.1
64.9
63.8
65.9
62.2
Loans / Deposits
94.0
93.9
100.9
106.1
113.7
117.9
Retail Loans / Loans
33.2
36.9
35.7
35.2
31.5
28.7
Non-performing Loans / Total Loans (1)
4.8
3.6
3.9
3.9
3.7
2.9
Deposits / Total Liabilities
64.5
68.3
64.3
60.2
58.0
52.8
Demand Deposits / Total Deposits
15.3
14.9
16.2
16.8
18.3
18.9
Shareholders’ Equity / Total Liabilities
11.6
10.4
11.4
9.3
9.3
11.6
Funds Borrowed / Total Assets
8.6
9.2
7.1
8.4
9.4
16.1
Capital Adequacy Ratio
14.4
13.4
16.1
13.7
13.7
16.3
Return on Average Assets (2)
1.7
1.5
1.5
1.3
1.2
1.3
Return on Average Equity (2)
14.5
13.7
13.8
12.9
12.8
11.6
Operating Expenses / Operating Income (3)
41.0
43.9
40.7
40.6
44.5
43.2
Deposits per Branch (TL million)
75.0
89.6
90.4
94.9
102.8
86.5
Loans per Branch (TL million)
70.5
84.1
91.2
100.7
116.8
101.9
Profit per Branch (TL million)
1.8
1.8
2.0
1.8
2.0
2.0
Deposits per Employee (TL million)
4.3
5.0
5.0
5.5
6.1
4.9
Credit per Employee (TL million)
4.0
4.7
5.0
5.8
7.0
5.7
Profit per Employee (TL thousand)
104.5
100.4
108.5
106.1
117.5
113.7
Market Share (%)
2010
2011
2012
2013
2014
SECURITIES PORTFOLIO
6.3
6.7
6.8
7.6
7.7
LOANS
8.5
8.4
8.5
8.3
8.4
Commercial Loans
8.5
7.9
8.2
7.8
8.1
Retail Loans
8.6
9.4
9.1
9.2
9.2
NON-PERFORMING LOANS (NET)
0.8
2.8
4.6
3.7
2.5
Non-Performing Loans (Gross)
11.4
11.4
11.6
11.9
10.9
Special Provisions (-)
13.4
13.6
14
14.5
13.9
DEPOSITS
7.7
8.8
8.7
8.6
8.7
Term Deposits
7.8
9
8.9
8.8
8.8
Demand Deposits
7.4
7.5
7.9
7.7
8.5
TOTAL FUNDS BORROWED
4.9
4.7
4.0
4.8
5.3
GUARANTEES AND COMMITMENTS
6.9
7.2
7.1
7.0
7.5
TOTAL ASSETS
7.3
7.3
7.6
7.8
7.9
SHAREHOLDERS' EQUITY
6.4
6.4
6.6
6.5
6.4
NET PROFIT OR LOSS
5.2
6.2
6.2
6.4
7.1
(1)
Gross Non-Performing Loans are included in Total Loans.
(2)
Average values are calculated as the arithmetic average of the current and prior year data.
(3)
Operating income = Net interest income + Net Fees and Commissions Income. + Dividend Income + Net Trading P/L + Other Operating Income + Subsidiaries and Associates’ P/L.
(4)
Sector ratios and market shares are calculated using the BRSA’s Monthly Bulletins.