veri 0023 06

TABLE OF CONTENTS
Number of Banks, Branches and Personnel..................................
1
Selected Balance-Sheet Items.......................................................
2
On-balance Sheet Figures.............................................................
4
Off-balance Sheet Figures ……………………..………………………………….
5
Development of Main Figures ..............……..……………………………… 7
Profitability....................................................................................
8
Loans............................................................................................. 10
Non-Performing Loans.................................................................. 14
Securities....................................................................................... 16
Deposits........................................................................................ 17
Payables to Banks and Repo………................................................. 19
Capital Adequacy........................................................................... 20
Explanations.................................................................................. 22
BRSA, Department of Data and System Management
2
Number of Banks, Branches and Personnel
Number of Banks
Total
40
25
As of December 2018,
there are 52 banks
operating in Turkish
Banking Sector as;
20
•34 Deposit banks,
34
35
30
13
15
•13 Development and
Investment banks,
10
5
•5 Participation banks.
5
0
COMMERCIAL
DEVELOPMENT and INVESTMENT
PARTICIPATION
Number of Branches
Total
4.500
4.000
PUBLIC
3.922
PRIVATE
3.977
FOREIGN
3.666
3.500
3.000
Number of branches
and personnel in
banking sector
decreased by 29 and
913, respectively when
compared to the
previous quarter
(September 2018).
2.500
2.000
1.500
1.000
500
0
December 2018
Number of Personnel
Total
80.000
70.000
PUBLIC
66.391
PRIVATE
73.135
60.000
50.000
FOREIGN
68.190
As of December 2018
period, number of
branches realized as
11.565 while number of
personnel realized as
207.716.
40.000
30.000
20.000
10.000
0
December 2018
BRSA, Department of Data and System Management
1
Selected Balance Sheet Items
ASSETS
Total
412
159
2.395
97
478
424
3.867
-14,4
-5,1
-7,5
12,1
-2,4
-12,4
-8,1
Previous End of
Year
57,6
-30,0
14,1
51,0
19,0
57,2
18,7
2.036
563
-4,7
-18,0
19,0
18,4
97
-33,2
-2,4
174
421
577
3.867
-15,0
3,2
-8,5
-8,1
19,6
17,4
23,0
18,7
(Billion TL)
CASH and CASH EQUIVALENTS*
REQUIRED RESERVES
LOANS
NON-PERFORMING LOANS (GROSS)
SECURITIES
OTHER ASSETS
TOTAL ASSETS
Changes (%)
Previous Quarter
LIABILITIES
DEPOSITS
DUE TO BANKS
FUNDS FROM REPO TRANSACTIONS
SECURITIES ISSUED
EQUITIES
OTHER LIABILITIES
TOTAL LIABILITIES
Total assets of Turkish
Banking Sector increased
by 18,7% to TL 3.867
billion in December 2018
when compared to the
previous year-end.
* Sum of Cash, Receivables from Central Bank, Money Market, and banks items
Of off-balance sheet items,
OFF-BALANCE SHEET
ITEMS
Total
(Billion TL)
Contingencies
Commitments
- Derivative Financial Instruments
- Other Commitments
781
3.566
2.905
660
BRSA, Department of Data and System Management
Changes (%)
Previous Quarter
-12,1
-16,5
-17,4
-12,2
Previous End of
Year
18,6
9,8
14,3
-6,4
- Contingencies increased
by 18,6%;
- Derivative financial assets
increased by 14,3%
in December 2018 when
compared to the previous
year-end.
2
Total Assets/GDP
Billion TL
4.400
4.000
3.600
3.200
2.800
2.400
2.000
1.600
1.200
800
400
0
1,05
1,10
1,05
1,01
0,98
0,96
0,87
0,87
1,00
0,87
0,90
0,80
2010
2011
2012
GDP
2013
2014
Total Assets
2015
2016
2017
Sep.18
Dec.18
0,70
Total Assets/GDP
The ratio of asset size of Turkish Banking Sector to GDP realized as 1,05 as of
end-2017.
BRSA, Department of Data and System Management
3
Selected Balance Sheet Figures
Balance Sheet Asset-Liability Items
Billion TL
2.395
2.500
2.250
2.036
2.000
956
1.750
994
1.500
1.250
1.000
412
1.439
478
146
338
332
Cash, Securities Required Loans
Cash-like
Reserves
Items
421
1.042
250
510
0
53
158
0
98
Other
TRY
577
563
500
125
159
314
750
463
97
Deposits Due to
Banks
FX
41
55
174
135
0
421
246
331
39
Funds Securities Equities
From
Issued
Repo
Trans.
Other
The ratio of FX assets in balance sheet to total assets realized as 44% while the ratio of total FX
liabilities to total liabilities realized as 50%.
The share of FX loans in total loans is 40% while the ratio of FX deposit to total deposit is 49%.
Total Liabilities
Total Assets
Other
12%
Cash and
Cash-like
Items
6%
Other
11%
Securities
12%
Required
Reserves
4%
Loans
61%
Equities
11%
Securities
Issued
4%
Funds From
Repo Trans.
2%
Deposits
53%
Due to
Banks
19%
The share of loans, securities and required reserves in total assets realized as 61%, 12% and
4%, respectively.
While deposit has the biggest share by 53% in total liabilities, share of payables to banks is
19% and funds from repo is 2%.
The share of equities in total liabilities is 11%.
BRSA, Department of Data and System Management
4
Off-Balance Sheet Figures
Contingencies in Series
Billion TL
1.000
889
900
781
800
658
700
552
600
459
500
334
400
300
200
164
219
241
2011
2012
384
100
0
2010
2013
2014
TRY
2015
2016
2017
Sep.18
Dec.18
FX
As of December 2018, size of contingencies realized as TL 781 billion.
Other
Contingencies
10%
Contingencies
Letters of
Credit
12%
Uncolleteralized
Letters of
Guarantee
22%
Bankers
Acceptance
4%
Letters of
Guarantee for
Other
Guarantee
20%
As letters of guarantee is the
biggest share in
contingencies, share of
letters of credit is 12%.
Letters of
Guarantee for Bill
Guarantee
32%
BRSA, Department of Data and System Management
5
Derivative Financial Instruments
1.772
1.457
1.269
989
793
195
2010
-196
289
310
2011
2012
-287
-311
545
612
2013
2014
-544
-613
2015
2016
2017
Eyl.18
Ara.18
-791
-982
-1.273
-1.448
-1.746
Purchase-TRY
Purchase-FX
Sale-TRY
Sale-FX
As of December 2018, derivative purchase amount realized as TL 1.457 billion and
derivative sales amount realized as TL 1.448 billion.
Derivative Financial Instruments
Forward FX
Transactions
7%
Other
Derivative
Transactions
12%
Money
Swaps
49%
Interest
Rate Swaps
32%
BRSA, Department of Data and System Management
49% of derivative
transactions in off-balance
sheet items is from swap
money transactions, 32%
from swap interest rate
transactions and 7% is from
forward exchange
transactions.
6
Development of Main Figures
Loan to Deposit Ratio
Billion TL
Ratio
3.000
1,40
2.500
1,12
1,06
0,95
2.000
1,13
1,15
1,12
1,12
1,08
1,20
0,99
1,00
0,83
0,80
1.500
2.386
1.000
1.967
500
510 617
660 695
764 772
2010
2011
2012
1.002 946
1.183 1.053
2013
2014
1.411
1.634
1.245
0,60
2.137 2.201 2.036
0,40
1.711
1.454
0,20
0
0,00
Loans
Deposits
2015
2016
2017
Sep.18
Dec.18
Loan to Deposit Ratio (Right Axis)
While loans in the third quarter of the year realized as TL 2.201 billion, deposit realized as TL
2.036 billion. Conversion ratio of deposit to loans is 1,08 as of December 2018.
*Total loans don’t include loans of development and investment banks.
Foreign Exchange Position
Billion TL
250
200
150
100
50
0
-50
22
34
31
2010
-21
2011
-33
2012
-28
63
71
2013
-64
2014
-77
96
2015
-93
184
192
191
2017
Sep.18
Dec.18
-182
-187
-176
71
2016
-75
-100
-150
-200
-250
On-Balance Sheet FX Position
Off-Balance Sheet FX Position
FX Net General Position
Off-balance sheet FX position has a surplus of TL 191 billion while on-balance sheet FX position
has a deficit of TL 176 billion and FX Net General Position has a surplus of approximately TL 5
billion.
BRSA, Department of Data and System Management
7
PROFITABILITY
Billion TL
400
Income Statement
146
300
200
368
100
77
0
-100
-222
-122
-35
54
-12
-45
-200
-300
-400
Interest Income/Expense
Special Provisions for NPLs Non-Interest Income/Expense
Expense
Provisions for Taxes
Net Income
Income
In the income statement of banking sector, interest income realized as TL 368 billion and interest
expense realized as TL 222 billion. As of December 2018, net income of Turkish Banking Sector is
TL 54 billion.
Net Income
Billion TL
25,00
20,00
17,71 18,20
19,45
17,34
15,87
13,59
15,00
Dec.17
Dec.18
10,00
5,00
0,00
PUBLIC
DOMESTIC PRIVATE
FOREIGN
Net income of December 2018 period increased in public, domestic private and foreign bank
groups when compared to the same period of 2017.
BRSA, Department of Data and System Management
8
Ratio (%)
17,5
16,94
17
Return On Equity
16,5
15,88
16
15,59
15,46
15,5
15,13
15
14,5
14,27
14,67
14,45
Dec.17
Dec.18
14
13,5
13
12,5
PUBLIC DOMESTIC PRIVATE FOREIGN
1,97
2,00
1,80
ROA of Turkish banking
sector as of December 2018
realized lower as to the
same period of the previous
year.
SECTOR
Return On Assets
Ratio (%)
2,14
2,20
1,79
1,95 1,89
ROE of Turkish banking
sector realized lower in
public, domestic private and
foreign banks groups when
compared to the same
period of the previous year.
2,02
1,76
1,62
1,60
1,40
1,20
Dec.17
1,00
Dec.18
0,80
0,60
0,40
0,20
0,00
PUBLIC DOMESTIC PRIVATE FOREIGN
BRSA, Department of Data and System Management
SECTOR
9
LOANS
Loans
(TRY - FX)
Billion TL
2.588
2.395
2.500
2.098
1.096
2.000
684
1.485
1.500
603
1.241
472
1.047
1.000
683
526
500
956
1.734
198
795
360
295
206
142
384
485
588
2010
2011
2012
753
881
1.013
1.414
1.492
1.439
2017
Sep.18
Dec.18
1.131
0
2013
2014
TRY
2015
2016
FX
As of December 2018, total loans amount to TL 2.395 billion and TL 1.439 billion of the
mentioned amount is comprised of TL loans while TL 956 billion is comprised of FX loans.
Distribution of Loans
SME
Loans
26%
Consumer
Loans and
Credit
Cards
21%
Commercial
and
Corporate
Loans
53%
BRSA, Department of Data and System Management
Share of commercial and
corporate loans is 53%,
share of SMEs loans is 26%
and share of consumer
loans (including credit
cards) is 21% in total loans.
10
Development of Loans by Types
Billion TL
2.588
2.395
2.500
2.098
2.000
1.734
1.408
1.278
1.485
1.500
894
1.047
1.000
683
526
500
0
1.097
1.241
296
228
125
173
2010
163
711
551
795
444
513
329
200
224
266
332
2011
2012
2013
Consumer Loans and Credit Cards
612
389
421
356
385
420
488
517
504
2014
2015
2016
2017
Sep.2018
Dec.2018
333
271
663
SME Loans
Commercial and Corporate Loans
As of December 2018; commercial and corporate loans realized as TL 1.278 billion, SMEs
loans as TL 612 billion while consumer loans and credit cards realized as TL 504 billion.
Selected Sector Loans to Total Loans
Construction
8,70
Whole Sale and Brokarage
8,58
Electric, Gas and Water Resources
7,50
Agriculture
4,03
Research, Consulting, Advertising and Other Activities
3,86
Retail Trade and Personal Products
3,63
Textile and Textile Products Industry
3,25
Main Metal Industry
3,18
Food, Beverage and Tobacco Industry
2,82
Hotels
2,53
0,0
1,0
2,0
3,0
4,0
5,0
6,0
7,0
8,0
9,0
10,0
The share of wholesale trade and brokerage sector in total loans is 8,58% and share of
construction sector is 8,70%.
..
BRSA, Department of Data and System Management
11
SMEs Loans
Billion TL
700
The Definition of SMEs was updated.
663
The Definition of SMEs was updated.
650
612
600
550
513
500
243,59
450
389
400
157
271
300
200
200
163
150
125
100
51
32
43
2010
171
214
83
65
111
133
140
99
110
134
2015
2016
2017
86
63
43
195
166
115
55
54
71
88
2011
2012
2013
2014
Micro Enterprises
4
213
133
250
0
421
333
350
50
269
Small Enterprises
180
174
Sep.18
Dec.18
Medium Enterprises
According to operating classes, medium enterprises SMEs loans decreased when
compared to the previous quarter.
Consumer Loans
Billion TL
600
489
500
400
332
266
300
200
224
173
44
100
0
74
86
129
100
63
6
61
7
8
75
2010
2011
420
9
149
156
199
212
205
7
7
7
192
197
188
7
144
164
86
126
2012
2013
2014
2015
2016
Vehicle
105
167
111
Housing
102
82
6
7
91
505
79
84
72
55
356
385
518
Personel Finance
2017
Sep.18 Dec.18
Credit Cards
In December 2018 period, consumer loans increased as to the previous quarter and
realized as TL 505 billion. Housing loans, credit cards as well as personal finance loans
realized as TL 188 billion, TL 105 billion and TL 205 billion, respectively.
BRSA, Department of Data and System Management
12
Distribution of Consumer Loans
Consumer
Credit
Cards
21%
In consumer loans, the
share of personal finance
loans is 41%, housing loans
37% and share of credit
cards is 21%.
Housing
37%
Personel
Finance
41%
Vehicle
1%
Consumer Credit Cards
Billion TL
120
100
102
105
58
61
44
43
91
84
74
72
80
36
55
60
49
41
43
44
34
36
39
42
2014
2015
2016
2017
33
44
79
82
29
40
24
20
0
19
26
2010
2011
47
38
2012
2013
Installment
Sep.18 Dec.18
Non Installment
Personal credit cards amount is the same when compared to the previous period and
realized as TL 105 billion in December 2018.
BRSA, Department of Data and System Management
13
Non-performing Loans
Non-Performing Loans
Billion TL
120
97
100
86
80
58
60
48
40
20
0
20
19
7
6
7
2010
7
5
7
2011
23
9
7
8
2012
30
11
9
10
2013
36
13
18
35
64
32
21
14
16
22
25
44
36
11
12
17
19
18
18
18
2014
2015
2016
2017
Sep.18
Dec.18
Consumer Loans and Credit Cards
SMEs Loans
Commercial Loans
As of December 2018, gross amount of NPLs is TL 97 billion.
Non-Performing Loans Ratio
Ratio
8
7
6
5
4
3
2
3,66
1
0
2010
2,70
2,86
2,75
2,85
3,10
2011
2012
2013
2014
2015
3,24
2,96
2016
2017
Non-Performing Loans Ratio
Commercial NPLs Ratio
Consumer and Credit Cards NPLs Ratio
SMEs NPLs Ratio
3,22
Sep.18
3,88
Dec.18
NPLs to Loans ratio in banking sector realized as 3,88% in December 2018.
BRSA, Department of Data and System Management
14
Selected Sectors NPLs Ratios
Whole Sale and Brokarage
5,47
Construction
5,63
Electric, Gas and Water Resources
3,40
Retail Trade and Personal Products
3,76
Agriculture
1,67
Research, Consulting, Advertising and Other…
5,23
Textile and Textile Products Industry
3,82
Main Metal Industry
3,75
Food, Beverage and Tobacco Industry
5,67
Hotels
4,33
0,00
1,00
2,00
3,00
4,00
5,00
6,00
Ratio
NPLs to Loans ratio in sectoral loans realized as 5,47% in wholesale trade and
brokerage, 5,63% in construction sector and 3,76% in retail trade and personal
products sector.
Consumer NPLs Ratios
Ratio
9
8
7
6
5
4
3
2
4,13
1
2,88
2,95
2,87
3,38
2011
2012
2013
2014
4,28
4,30
2015
2016
3,46
3,34
3,41
2017
Sep.18
Dec.18
0
2010
Consumer (Credit Cards Included) NPLs Ratio
Housing NPLs Ratio
Consumer Credit Cards NPLs Ratio
Vehicle NPLs Ratio
Personal Finance NPLs Ratio
NPLs to Loans ratio of consumer loans (including personal credit cards) realized as 3,41%
in December 2018 period.
BRSA, Department of Data and System Management
15
Securities
Securities
Billion TL
600
490
478
212
206
267
255
253
500
402
400
300
288
285
270
302
287
352
330
81
119
84
102
95
88
66
86
186
187
196
196
219
242
246
7
10
8
5
3
3
3
15
22
20
2010
2011
2012
2013
2014
2015
2016
2017
Sep.18
Dec.18
200
100
0
Securities Held for Trading
Securities Available for Sale
Securities Held to Maturity
Total securities increased when compared to the previous quarter and realized as
TL 478 billion.
Distribution of Securities
Eurobonds
Issued by
Treasury
24%
Ijara Certificates
Issued
Domestically and
Abroad by the
Treasury
3%
Other
6%
Government
Bonds
67%
BRSA, Department of Data and System Management
67% of securities are
comprised of Government
bonds, 24% are Eurobonds
issued by Treasury and 3%
are comprised of Ijara
certificates issued
domestically and abroad by
the treasury (sukuk).
16
Deposits
Deposits
Billion TL
2.500
2136
40
2.000
2036
41
1711
1245
617
2
181
695
14
221
772
21
19
233
331
1.062
17
953
732
11
1053
946
1.000
500
24
1453
1.500
591
16
519
375
460
520
661
434
594
715
2010
2011
2012
2013
2014
2015
845
954
1.035
1.042
2017
Sep.18
Dec.18
0
TRY Deposits
FX Deposits
2016
Precious Metals
TL 1.042 billion of total deposits is comprised of TL Deposits /Participation Funds, TL
953 billion comprised of FX Deposits Account/Participation Funds and TL 41 billion is
comprised of precious metals accounts.
Distribution of Deposits
Precious Metals
2%
FX Deposits
47%
TRY Deposits
51%
BRSA, Department of Data and System Management
51% of total Deposits are TRY
Deposits/Participation funds,
47% of FX Deposits/Participation
funds and 2% of Precious
Metals.
17
Deposits According to Types
Commercial
and Other
Instutions
Deposits
34%
Official
Instutions
Deposits
4%
Natural
Persons
Deposits
62%
While 62% of deposits are
comprised of natural
person deposits, the share
of commercial and other
institutions deposits is 34%
and share of official
institutions' deposits is 4%.
Deposits According to Maturity(%)
1 Year and
More
Between
5%
6-12
Months
4%
Demand
Deposits
21%
Between
3-6
Months
6%
Between
1-3
Months
51%
BRSA, Department of Data and System Management
The share of demand
deposits in total deposits by
their opening maturities is
21% and share of 1-3 month
deposits is 51%.
Up to 1
Month
13%
18
Payables to Banks and Repo Transactions
Payables to Banks
Billion TL
686
700
563
600
475
500
418
361
400
634
293
300
200
100
0
510
254
167
173
122
219
251
325
381
441
141
146
29
26
28
35
43
36
37
34
52
53
2010
2011
2012
2013
2014
2015
2016
2017
Sep.18
Dec.18
93
TRY
FX
Payables to banks amount to a total of TL 563 billion as TL 53 billion Turkish Lira and TL 510
billion FX.
Funds From Repo Transactions
Billion TL
180
157
160
137
140
100
97
80
27
60
58
45
60
80
109
69
78
97
41
93
93
47
46
52
53
33
70
99
50
12
40
20
47
119
120
144
138
55
46
0
2010
2011
2012
2013
2014
TRY
2015
2016
2017
Sep.18
Dec.18
FX
Funds amount from Repo transactions decreased when compared to the previous
quarter and realized as TL 97 billion in December 2018.
BRSA, Department of Data and System Management
19
Capital Adequacy
Capital Adequacy Ratio
Billion TL
3.000
%
18,97
18,09
17,86
16,55
15,28
2.500
16,28
16,85
15,57
20
17,27
15,57
15
2.000
1.500
2.904
1.000
1.461
500
0
138
725
2010
954
158
2011
Regulatory Capital
1.967
1.663
2.230
2.982
10
2.484
5
1.099
196
223
2012
2013
271
306
2014
2015
Risk Weighted Assets
347
2016
419
525
515
Sep.18
Dec.18
0
2017
Capital Adequacy Standard Ratio (Right Axis)
Capital adequacy ratio of Turkish Banking Sector realized as 17,27 % in December 2018.
Capital Adequacy Ratio
%
20
Sector
Sector
17,27
%17,27
18
16
14
12
10
8
16,59
16,81
Public
Private
18,78
6
4
2
0
Foreign
By bank ownership groups, capital adequacy of foreign banks is above the sector average by
18,78 %.
BRSA, Department of Data and System Management
20
Capital Adequacy Ratio
%
30
25
Sector
Sector
17,27
%17,27
20
15
23,95
10
16,91
15,76
Commercial
Participation
5
0
Investment
By function groups, capital adequacy ratio realized as 16,91%, 15,76% and 23,95% for
deposit bank, participation banks as well as development and investment banks,
respectively.
Value at
Operational Risk
7%
Risk Weighted Items
Value at Market
Risk
2%
Value at Credit
Risk
91%
BRSA, Department of Data and System Management
In capital adequacy
calculation, 91% of riskweighted assets is
comprised of amount
subject to credit risk, 7%
comprised of amount
subject to operational risk
and 2% comprised of
amount subject to market
risk.
21
EXPLANATIONS

In Turkish Banking Sector Main Financial Data publication prepared by the Banking
Regulation and Supervision Agency (BRSA), statistical information on selected
financial statements of banks are prepared by using non-consolidated temporary
financial statements.

Gross Domestic Product (GDP) is the data on current prices published by Turkish
Statistical Institute.

Resource of the information published is the periodical reports taken via Bank
Reporting System and sent by banks on electronic media. Mentioned periodic
information may change after its publication due to the updates made by various
reasons.

Monetary amounts published, unless stated otherwise, is “TL Billion” and there may
be differences in some sub-groups arising from arithmetic sum and rounding.

Detailed data by sector, bank groups and function groups can be accessed from
Turkish Banking Sector Interactive Monthly Bulletin application.

Data and explanations on the scope of data in Interactive Monthly Bulletin are also
valid for the data included in this publication.
Department of Data and System Management
Banking Regulation and Supervision Agency
December 2018
BRSA, Department of Data and System Management
22
BRSA, Department of Data and System Management
23