What is ROE?

What is Credit Risk?

What is Liq Risk?

What is Capital Risk?

What is Efficiency?

What is Productivity?

Assets Fiscal year is January-December. All values TRY Millions. Total Cash & Due from Banks 2019 2018 2017 2016 53,898 22,629 37,335 33,403 Cash & Due from Banks Growth 138.18% -39.39% 11.77% 3.45% 104,834 86,086 69,995 3,615 62,983 3,385 5,043 Investments - Total Trading Account Securities Treasury Securities Other Securities 74,845 55,666 90,177 9,287 63,152 3,227 4,903 3,931 Other Investments 326 6,338 0 21.78% 22.99% 11.13% 15.94% 336,289 Investments Growth Net Loans Commercial & Industrial Loans Consumer & Installment Loans Interbank Loans 340,452 230,544 281,453 10,838 236,427 9,105 69,052 226,78 62,372 33,837 11,351 9,504 22,027 5,843 6,206 5,285 4,426 5,261 5,401 Lease Financing Loans Foreign Loans Broker & Financial Institution Loans Unspecified/Other Loans 9,726 7,602 7,189 5,452 21,103 12,492 248,53 208,276 Unearned Income -747 -770 -671 -550 Loan Loss Allowances (Reserves) -17,096 -12,23 -6,33 -5,186 981 860 909 772 4,538 4,737 3,884 3,906 1.24% 19.48% 19.04% 16.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Investment in Unconsolidated Subs. 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 23,502 19,843 15,557 14,925 28,344 24,993 22,465 17,802 23,404 21,485 17,014 26,423 1,921 1,589 980 787 1,217 1,198 1,145 862 4,58 3,079 371,318 559,625 12.42% 1.12% 497,789 15.03% 432,758 16.55% Assets - Total Growth 14.70% Return On Average Assets 2019 2017 2018 288,742 85,411 Liabilities & Shareholders' Equity All values TRY Millions. Total Deposits Demand Deposits Savings/Time Deposits Foreign Office Deposits Deposits Growth Total Debt SI Debt & Current Portion LI 198,875 40,103 158,771 169,038 29,391 139,648 203,332 2018 240,575 26,947 88,279 125,349 20.97% 150,352 38,683 38,683 113,689 20.02% 149, 108 80,203 17.96% 123,253 17.65% 141,709 46,515 46,515 80,203 88,904 48,753 48,753 74,5 95,194 Short Term Debt Long-Term Debt LT Debt excl. Capitalized Leases Provision for Risks & Charges 88,104 113.689 95,194 74,5 7,446 8,37 5,941 4,388 Long Term Debt Growth -21.79% 19.41% 27.78% 52.48% Total Debt / Total Assets 28.64% 30.20% 32.75% 33.19% Deferred Tax Liabilities -2,789 -2,023 -951 -989 287 112 3,076 39,803 329 2,352 38,622 209 1,16 29,585 1,101 24,371 39,24 38,195 28,8 23,883 583 427 788 509 Deferred Taxes - Credit Deferred Taxes - Debit Other Liabilities Other Liabilities (excl. Deferred Income) Deferred Income Total Liabilities Common Equity (Total) Common Stock Par/Carry Value Additional Paid-In Capital/Capital Surplus Retained Earnings 485,388 58,782 6,116 434,248 49,92 6,116 378,32 44,68 6,116 321, 162 39,832 6,116 39 39 38 38 39,173 34,192 31,78 27,712 Cumulative Translation Adjustment/Unrealized For. Exoh. Gain 3,302 2.278 1,164 740 Unrealized Gain/Loss Marketable Securities 488 -1,935 1,713 1,718 Revaluation Reserves Other Appropriated Reserves 4,822 5,634 4,828 5,132 3,888 3,508 Unappropriated Reserves -790 -729 0.11% 0.11% 58,782 0.10% 49,92 0.10% 44,88 39,832 10.50% 10.03% 10.32% 10.73% Common Equity / Total Assets Total Shareholders' Equity Total Shareholders' Equity / Total Assets Return On Average Total Equity Accumulated Minority Interest Total Equity Liabilities & Shareholders' Equity 10.87% 15,457 74,239 559,625 13,62 63,54 497,789 11,757 58,437 432.758 10,324 50, 156 371,318 2019 2018 2017 2016 Fiscal year is January-December. All values TRY Millions. Interest Income 48,802 45,037 31,328 25,105 36,451 34,124 24,503 19,5 669 693 528 553 11,681 10,22 6,297 5,052 8.36% 43.76% 24.79% 17.15% 26,115 24,63 12,78 16,436 8,93 16,253 7,312 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 Loan Loss Provision 13,184 11,446 9,861 7,506 5,468 9,774 7,071 7,462 5,422 88 4,375 43 46 6.03% 49.86% 28.60% 12.02% 22,688 20,407 14,893 12,325 11.17% 37.03% 20.84% 22.98% 6,441 5,483 1,517 1,737 Loan Loss Provision Growth 17.47% 261.47% -12.65% 59.43% 16,247 14,924 13,376 10,588 8.86% 11.58% 26.33% 18.53% Net Interest Income after Provision Net Interest Inc After Loan Loss Prov Growth Net Interest Margin Non-Interest Income 28,79 26,421 20,81 17,528 Trading Account Income -4,606 -2,391 -1,19 129 Foreign Exchange Gains -107 115 322 -365 7,074 5,631 4,202 3,448 53 41 177 141 Trust Income, Commissions & Fees Trust Income Commission & Fee Income Other Operating Income Non-Interest Expense 7,021 5,589 4,025 3,307 26,428 23,067 17,476 14,315 36,067 30,635 41,985 33,459 30,635 41,985 33,459 Non-Interest Expense Labor & Related Expense Equipment Expense 36,067 6,558 5,689 362 716 350 347 Operating Provisions 14 -7 1,57 175 410 313 335 322 2,537 1,336 1,24 1,276 Taxes Other than Income Taxes Depreciation & Amortization Other Operating Expense Operating Income 26,186 22,588 22,054 18,559 8,969 10,71 8,637 7,437 Operating Income Growth -16.25% 24.00% 16.13% 30.14% 11.56% Operating Income Margin Non-Operating Income (Expense) Miscellaneous Non Operating Expense 468 192 7,645 5,956 468 192 7,645 5,956 Unusual Expense -7 21 -68 -223 Pretax Income 9,444 10,88 8,888 8,195 Pretax Income Growth -13.20% 22.42% 8.46% 28.11% 12.17% Pretax Margin Income Taxes Income Tax - Current - Domestic 1,331 1,617 1,807 1,49 2,771 2,181 2,008 1,345 Income Tax - Deferred - Domestic -1,44 -563 -201 146 130 152 154 113 7,235 6,817 Equity in Affiliates Consolidated Net Income Minority Interest Expense Net Income 8,242 2,336 9,415 2,677 1,486 1,369 5,906 6,739 5,749 5,449 Income Tax - Deferred - Domestic -1,44 -563 -201 146 130 152 154 113 8,242 9,415 7,235 6,817 Equity in Affiliates Consolidated Net Income Minority Interest Expense Net Income 2,336 2,677 1,369 1,486 5,749 5,906 6,739 5,449 Net Income Growth -12.35% 17.21% 5.51% 16.75% 7.61% 5,906 6,739 5,749 5,449 Net Margin Net Income After Extraordinaries Net Income Available to common EPS (Basic) 6,739 5,749 5,449 5,906 Oca 31 Oca 50 Oca 30 Oca 20 EPS (Basic) Growth -12.35% 15.19% 8.33% 15.71% 4,5 4,5 4,5 4,5 Basic Shares Outstanding EPS (Diluted) Oca 31 Oca.50 Oca 28 Oca 21 EPS (Diluted) Growth -12.35% 17.21% 5.51% 16.75% Diluted Shares Outstanding 4,5 4,5 4,5 4,5