FINANCIALS | 2019 | 2018 | Change | | | | | BALANCES WITH BANKS & MONEY MARKET PLACEMENTS | 3.015.819
| 265.665 | 1035,20% | FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFİT OR LOSS | 449.007 | 488.030
| -8,00% | INVESTMENT SECURITIES (NET)
| 3.914.090 | 2.337.493
| 67,45%
| LOANS & FACTORING RECEIVABLES (NET)
| 7.568.126
| 6.903.543
| 9,63% | SHAREHOLDERS' EQUITY
| 2.097.840
| 6,903,543
| 33,27% | TOTAL ASSETS
| 18.409.081 | 13.882.523
| 32,61%
| GUARANTEES AND INDEMNITIES
| 1.485.218
| 1,232.225
| 20,53% | NET INTEREST INCOME
| 526.776
| 425.574 | 23,78% | NET FEE AND COMMISSION INCOME
| 73.009
| 98.614
| -25,96% | PROFIT BEFORE TAXES
| 512.007 | 480.450
| 6,57% | PROVISION FOR TAXES ON INCOME
| -101.344
| -98.778 | 2,60% | NET PROFIT
| 410.663 | 381.672 | 7,60% |
PERFORMANCE RATIOS | 2019 | 2018 |
| | | CAPITAL ADEQUACY STANDARD RATIO | 14,85% | 12,87% | RETURN ON AVERAGE EQUITY | 22,37% | 27,29% | RETURN ON AVERAGE ASSETS (PROFIT BEFORE TAX BASIS) | 3,17% | 3,85% | RETURN ON AVERAGE ASSETS (NET PROFIT BASIS) | 2,54% | 3,06% | NET FEE AND COMMISSION INCOME / OPERATING COSTS | 7,60% | 12,39% | FIXED ASSETS (NET) / AVERAGE EQUITY | 47,91% | 52,52% | NON-PERFORMING LOANS / TOTAL LOANS | 4,05% | 3,82% | INTEREST INCOMES / INTEREST EXPENDITURES | 140,80% | 146,90% | YIELDING ASSETS / TOTAL ASSETS | 81,19% | 72,00% |
|
| INANCIALS
|
2015
|
2014
|
Change
|
|
|
|
|
BALANCES WITH BANKS & MONEY MARKET PLACEMENTS
|
216,299
|
155,337
|
39%
|
TRADING SECURITIES (NET)
|
9,271
|
4,251
|
118%
|
INVESTMENT SECURITIES (NET)
|
930,741
|
887,838
|
5%
|
LOANS & FACTORING RECEIVABLES (NET)
|
4,638,261
|
3,983,292
|
16%
|
FINANCIAL LEASE RECEIVABLES (NET)
|
-
|
-
|
-
|
SHAREHOLDERS’ EQUITY
|
879,915
|
886,604
|
-1%
|
TOTAL ASSETS
|
7,556,649
|
6,251,827
|
21%
|
GUARANTEES AND INDEMNITIES
|
631,362
|
991,109
|
-36%
|
NET INTEREST INCOME
|
307,398
|
238,622
|
29%
|
NET FEE AND COMMISSION INCOME
|
59,148
|
33,863
|
75%
|
PROFIT BEFORE TAXES
|
52,120
|
41,439
|
26%
|
PROVISION FOR TAXES ON INCOME
|
-26,153
|
-7,714
|
239%
|
|
|
|
|
NET PROFIT
|
25,967
|
33,725
|
-23%
|
PERFORMANCE RATIOS
|
2015
|
2014
|
|
|
|
CAPITAL ADEQUACY STANDARD RATIO
|
13.60%
|
12.73%
|
RETURN ON AVERAGE EQUITY
|
2.94%
|
3.91%
|
RETURN ON AVERAGE ASSETS (PROFIT BEFORE TAX BASIS)
|
0.75%
|
0.73%
|
RETURN ON AVERAGE ASSETS (NET PROFIT BASIS)
|
0.38%
|
0.59%
|
NET FEE AND COMMISSION INCOME / OPERATING COSTS
|
10.31%
|
9,51%
|
FIXED ASSETS (NET) / AVERAGE EQUITY
|
40.27%
|
34.42%
|
NON-PERFORMING LOANS / TOTAL LOANS
|
1.99%
|
3.01%
|
INTEREST INCOMES / INTEREST EXPENDITURES
|
180.19%
|
174.02%
|
YIELDING ASSETS / TOTAL ASSETS
|
76.68%
|
80.47%
|
|