Balance Sheet

ncome statement

ROE=?

Credit Risk=?

Liquidity Risk?

Capital Risk?

Operating Efficiency=?

Productivity=?

2. Ratios will be used in the analyses

Profitabilty

1. ROE=NIAT/NIBT*NIBT/TR*TOR/TA*TA/EQ

Risks

1. Credit Risk=PLL/EQ

2. Liq Risk=Cash and Due From Banks/TA
3. Capital Risk=EQ/TA

Efficiency & Productivity

1. Eff=TOE/TOR
2. Prod.=NOI/No of F. T. Emp.

All ratios calculations will be shown in an separate excel worksheet

2019 Fiscal year is January- December. All values TRY Millions. Total Cash & Due from Banks Cash & Due from Banks Growth 2018 51,538 2017 38,311 2016 25,439 48,441 -6.01% 34.52% 50.60% -8.81% Investments - Total Trading Account Securities Treasury Securities Other Securities Other Investments Investments Growth Net Loans Commercial & Industrial Loans Consumer & Installment Loans Interbank Loans Real Estate Mortgage Loans Lease Financing Loans Broker & Financial Institution Loans Unspecified/Other Loans 58,526 7,693 36,033 14,341 459 4.80% 291,998 2,417 55,845 7,706 33,566 13,572 1,001 9.49% 265,638 2,539 51,005 1,364 33,251 13,772 2,618 1.94% 244,315 135,536 44,21 14,662 24,831 6,105 50,034 1,086 29,074 15,593 4,28 5.67% 218,135 121,283 38,389 15,23 22,544 6,045 30,171 19,564 5.853 6,76 9,098 8,535 271,631 250,638 19,943 15,061 -620 -772 -683 -705 Unearned Income Loan Loss Allowances (Reserves) Investment in Unconsolidated Subs. -17,454 -13,092 -9,386 -8,247 422 275 39 40 336 324 328 320 9.92% 0.00% 0.00% 8.73% 0.00% 0.00% 12.00% 0.00% 0.00% 16.16% 0.00% 0.00% 7.216 6,595 6,19 5,211 Real Estate Other Than Bank Premises Loans - 1 Yr Growth Rate Loans (Total) / Total Deposits Loans (Total) / Total Assets Net Property, Plant & Equipment Other Assets (Including Intangibles) Other Assets Intangible Assets Deferred Charges Interest Receivables Total Assets Assets - Total Growth Return On Average Assets 8,328 6,968 3.376 8.284 3.343 33 8.251 33 7,83 498 1,422 12,034 429,196 7.31% 1.50% 6,935 33 1,249 11,258 399.975 13.59% 7,187 352.122 14.11% 5,561 308,594 12.19% 2019 42.032 34,582 2018 41.198 31.625 2017 28.367 22,754 2016 22.621 18,357 1,514 1.041 705 470 5,937 8,531 4,909 3,794 Fiscal year is January December. All values TRY Millions. Interest Income Interest and Fees on Loans Interest Income on Fed. Repos Interest on Bank Deposits Other Interest or Dividend Income Interest Income Growth Total Interest Expense Interest Expense on Bank Deposits Other Interest Expense Interest Expense on Debt Other Borrowed Funds Total Interest Expense Growth Net Interest Income Net Interest Income Growth 2.03% 24,529 45.23% 23,292 25.40% 14,756 19.41% 11,532 16,406 14,581 8.298 6,716 8,122 7,949 174 8.711 8,527 184 6,458 1,593 4.865 4,816 4,517 299 5.31% 57.84% 27.96% 32.34% 17,504 17.906 13,611 11,089 -2.25% 31.55% 22.75% 8.40% Loan Loss Provision 6,723 5.792 2.266 Loan Loss Provision Growth 16.07% 155.66% 0.00% 0.00% 10,781 12,114 11,346 11,089 - 11.01% 6.77% 2.32% 7.63% Net Interest Income after Provision Net Interest Inc After Loan Loss Prov Growth Net Interest Margin Non-Interest Income Trading Account Income 4.30% 10,551 8,399 6,262 5,412 -78 4.491 -1,616 606 507 -4.143 1.685 -235 8,609 6.932 5.087 4.211 Foreign Exchange Gains Trust Income, Commissions & Fees Commission & Fee Income Other Operating Income Non-Interest Expense Labor & Related Expense Equipment Expense Operating Provisions Taxes Other than Income Taxes 8,609 1,513 13,348 4,407 205 6,932 1.12 11,981 3.854 564 5,087 1.038 9,918 3,365 486 4,211 752 26,521 2.141 458 902 343 296 256 263 886 494 504 344 Depreciation & Amortization Other Operating Expense Operating Income 7,507 7,984 6.773 8,532 5,307 7,69 6,708 6,028 Operating Income Growth -6.43% 10.96% 27.56% 24.18% 15.18% - 223 276 73 4.884 Operating Income Margin Non-Operating Income (Expense) Miscellaneous Non Operating Expense 223 276 73 4.884 Unusual Expense -1 56 8,207 8,808 7.763 6,339 -6.83% 13.47% 22.46% 33.14% 15.61% 1,944 2.06 1,669 1,288 Pretax Income Pretax Income Growth Pretax Margin Income Taxes Income Tax - Current - Domestic Income Tax - Deferred - Domestic Consolidated Net Income Minority Interest Expense Net Income 2,371 1,814 2.287 1,036 -427 247 -618 252 6,263 76 6,187 6,748 65 6.683 6,094 56 6,038 5,052 42 5,009 Net Income Growth -7.43% 10.68% 20.53% 32.76% 11.77% 6,187 6,683 6,038 5,009 Net Margin Net Income After Extraordinaries Net Income Available to Common EPS (Basic) 6,187 6,683 6,038 5,009 Oca.47 Oca.59 Oca.44 Oca. 19 -7.43% 10.65% 20.54% 32.85% EPS (Basic) Growth Basic Shares Outstanding EPS (Diluted) EPS (Diluted) Growth 4.2 Oca.47 4.2 Oca.59 4.2 Oca.44 4.2 Oca.19 -7.43% 10.68% 20.53% 32.76% Diluted Shares Outstanding 4.2 4.2 4.2 4.2 2019 Fiscal year is January- December. All values TRY Millions. Total Cash & Due from Banks Cash & Due from Banks Growth 2018 51,538 2017 38,311 2016 25,439 48,441 -6.01% 34.52% 50.60% -8.81% Investments - Total Trading Account Securities Treasury Securities Other Securities Other Investments Investments Growth Net Loans Commercial & Industrial Loans Consumer & Installment Loans Interbank Loans Real Estate Mortgage Loans Lease Financing Loans Broker & Financial Institution Loans Unspecified/Other Loans 58,526 7,693 36,033 14,341 459 4.80% 291,998 2,417 55,845 7,706 33,566 13,572 1,001 9.49% 265,638 2,539 51,005 1,364 33,251 13,772 2,618 1.94% 244,315 135,536 44,21 14,662 24,831 6,105 50,034 1,086 29,074 15,593 4,28 5.67% 218,135 121,283 38,389 15,23 22,544 6,045 30,171 19,564 5.853 6,76 9,098 8,535 271,631 250,638 19,943 15,061 -620 -772 -683 -705 Unearned Income Loan Loss Allowances (Reserves) Investment in Unconsolidated Subs. -17,454 -13,092 -9,386 -8,247 422 275 39 40 336 324 328 320 9.92% 0.00% 0.00% 8.73% 0.00% 0.00% 12.00% 0.00% 0.00% 16.16% 0.00% 0.00% 7.216 6,595 6,19 5,211 Real Estate Other Than Bank Premises Loans - 1 Yr Growth Rate Loans (Total) / Total Deposits Loans (Total) / Total Assets Net Property, Plant & Equipment Other Assets (Including Intangibles) Other Assets Intangible Assets Deferred Charges Interest Receivables Total Assets Assets - Total Growth Return On Average Assets 8,328 6,968 3.376 8.284 3.343 33 8.251 33 7,83 498 1,422 12,034 429,196 7.31% 1.50% 6,935 33 1,249 11,258 399.975 13.59% 7,187 352.122 14.11% 5,561 308,594 12.19% 2019 42.032 34,582 2018 41.198 31.625 2017 28.367 22,754 2016 22.621 18,357 1,514 1.041 705 470 5,937 8,531 4,909 3,794 Fiscal year is January December. All values TRY Millions. Interest Income Interest and Fees on Loans Interest Income on Fed. Repos Interest on Bank Deposits Other Interest or Dividend Income Interest Income Growth Total Interest Expense Interest Expense on Bank Deposits Other Interest Expense Interest Expense on Debt Other Borrowed Funds Total Interest Expense Growth Net Interest Income Net Interest Income Growth 2.03% 24,529 45.23% 23,292 25.40% 14,756 19.41% 11,532 16,406 14,581 8.298 6,716 8,122 7,949 174 8.711 8,527 184 6,458 1,593 4.865 4,816 4,517 299 5.31% 57.84% 27.96% 32.34% 17,504 17.906 13,611 11,089 -2.25% 31.55% 22.75% 8.40% Loan Loss Provision 6,723 5.792 2.266 Loan Loss Provision Growth 16.07% 155.66% 0.00% 0.00% 10,781 12,114 11,346 11,089 - 11.01% 6.77% 2.32% 7.63% Net Interest Income after Provision Net Interest Inc After Loan Loss Prov Growth Net Interest Margin Non-Interest Income Trading Account Income 4.30% 10,551 8,399 6,262 5,412 -78 4.491 -1,616 606 507 -4.143 1.685 -235 8,609 6.932 5.087 4.211 Foreign Exchange Gains Trust Income, Commissions & Fees Commission & Fee Income Other Operating Income Non-Interest Expense Labor & Related Expense Equipment Expense Operating Provisions Taxes Other than Income Taxes 8,609 1,513 13,348 4,407 205 6,932 1.12 11,981 3.854 564 5,087 1.038 9,918 3,365 486 4,211 752 26,521 2.141 458 902 343 296 256 263 886 494 504 344 Depreciation & Amortization Other Operating Expense Operating Income 7,507 7,984 6.773 8,532 5,307 7,69 6,708 6,028 Operating Income Growth -6.43% 10.96% 27.56% 24.18% 15.18% - 223 276 73 4.884 Operating Income Margin Non-Operating Income (Expense) Miscellaneous Non Operating Expense 223 276 73 4.884 Unusual Expense -1 56 8,207 8,808 7.763 6,339 -6.83% 13.47% 22.46% 33.14% 15.61% 1,944 2.06 1,669 1,288 Pretax Income Pretax Income Growth Pretax Margin Income Taxes Income Tax - Current - Domestic Income Tax - Deferred - Domestic Consolidated Net Income Minority Interest Expense Net Income 2,371 1,814 2.287 1,036 -427 247 -618 252 6,263 76 6,187 6,748 65 6.683 6,094 56 6,038 5,052 42 5,009 Net Income Growth -7.43% 10.68% 20.53% 32.76% 11.77% 6,187 6,683 6,038 5,009 Net Margin Net Income After Extraordinaries Net Income Available to Common EPS (Basic) 6,187 6,683 6,038 5,009 Oca.47 Oca.59 Oca.44 Oca. 19 -7.43% 10.65% 20.54% 32.85% EPS (Basic) Growth Basic Shares Outstanding EPS (Diluted) EPS (Diluted) Growth 4.2 Oca.47 4.2 Oca.59 4.2 Oca.44 4.2 Oca.19 -7.43% 10.68% 20.53% 32.76% Diluted Shares Outstanding 4.2 4.2 4.2 4.2