INDEX

Turkey Data
Best and worst banks
Capital Adequacy
Asset Quality
Management Capability
Earnings
Liquidity
CAMEL Interpretation
Ownership Summary
ROA
Capital Structure
Stock Chart Best and Worst
Stock Price Data Yapi
Stock Price Data ICBC
Performance Analysis ICBC
Performance Anlaysis Yapi
Performance Data Worst Bank
Performance Data Best Bank
ICBC - Net Interest Income
ICBC - Interest Income and Exp
ICBC - Net Income
ICBC - Total Equity
Yapi Kredi - Net Interest Incom
Yapi Kredi - Int Inc and Exp
Yapi Kredi - Net Income
Yapi Kredi - Total Equity
Course FIN 320
Section 2

Group Members Mohsin Raza 78264

Manaswi Madichetty 81547
Mohammed Aamir Mahmood 80702
Zarlish Jawed 79960

Country Turkey
Back to Index

Country /
Region
Entity me Entity ID me Industry Classification ISIN

SP_ENTIT SP_COUN SP_

SP_ENTITY_ME Y_ID TRY_ME MI_INDUSTRY_CLASSIFICATION ISIN
Adabank AŞ 4251321 Turkey Diversified Commercial Banks
Akbank TAŞ 4145338 Turkey Diversified Commercial Banks TRAA
Albaraka Türk Katılım Bankası AŞ 4238304 Turkey Diversified Commercial Banks TREA
Altertifbank AŞ 4150760 Turkey Diversified Commercial Banks
Adolubank AŞ 4393417 Turkey Diversified Commercial Banks
Bank Kapital T.A.S. 7362408 Turkey Diversified Commercial Banks
Bank of Chi Turkey AS 10403165 Turkey Diversified Commercial Banks
Bankpozitif Kredi ve Kalkıa Bankası AŞ (Outli4251981 Turkey Diversified Commercial Banks
Bereket Varlik Kiralama Anonim Sirketi 8597490 Turkey Diversified Commercial Banks
Burgan Bank AŞ 4247280 Turkey Diversified Commercial Banks
Citibank AŞ 4171199 Turkey Diversified Commercial Banks
GSD Holding AŞ 4185965 Turkey Diversified Commercial Banks TRAG
HSBC Bank AŞ 4251811 Turkey Diversified Commercial Banks
ICBC Turkey Bank AŞ 4186032 Turkey Diversified Commercial Banks TRAT
Koç Finsal Hizmetler AŞ 4250982 Turkey Diversified Commercial Banks
Korfezbank A.S. 8592443 Turkey Diversified Commercial Banks
Kuveyt Türk Katılım Bankası AŞ 4387744 Turkey Diversified Commercial Banks
Odea Bank AŞ 4546337 Turkey Diversified Commercial Banks
PASHA Yatırım Bankası AŞ 4665695 Turkey Diversified Commercial Banks
QNB Finsbank AŞ 4144867 Turkey Diversified Commercial Banks TRAF
Şekerbank TAŞ 4144871 Turkey Diversified Commercial Banks TRAS
Türk Ekonomi Bankası AŞ 4144875 Turkey Diversified Commercial Banks
Turkish Bank AŞ 4187353 Turkey Diversified Commercial Banks
Türkiye Cumhuriyeti Ziraat Bankası AŞ 4245541 Turkey Diversified Commercial Banks
Türkiye Fins Katılım Bankası AŞ 4255942 Turkey Diversified Commercial Banks
Türkiye Garanti Bankası AŞ 4144868 Turkey Diversified Commercial Banks TRAG
Türkiye Halk Bankası AŞ 4186033 Turkey Diversified Commercial Banks TRET
Türkiye İş Bankası AŞ 4144876 Turkey Diversified Commercial Banks TRAI
Türkiye Vakıflar Bankası TAO 4185814 Turkey Diversified Commercial Banks TREV
Turkland Bank AȘ 4187352 Turkey Diversified Commercial Banks
Yapı ve Kredi Bankası AŞ 4150761 Turkey Diversified Commercial Banks TRAY
 Ultimate
Industry Year Parent Parent Parent
Classifica Primary Company Establishe Company Company Country /
tion Industry me, Short Exchange MI KEY SPCIQ ID d me MI Key Region

MI_INDU
STRY_CLA MI_PRIM SP_COMP SP_YEAR_ SP_PARE SP_PARE SP_ULT_P
SSIFICATI ARY_IND ANY_ME_ SP_EXCH SP_COMP SP_CIQ_I ESTABLIS NT_COM NT_COM ARENT_C
ON USTRY SHORT ANGE ANY_ID D HED PANY_ME PANY_ID OUNTRY
Diversifie Bank Adabank 4251321 IQ24309591985 Savings De4251323 Turkey
Diversifie Bank Akbank IBSE 4145338 IQ874083 1948 Haci Ömer 4144870 Turkey
Diversifie Bank Albaraka BIBSE 4238304 IQ30373991984
Diversifie Bank Altertifbank 4150760 IQ94124381991 Commercial4381639 Qatar
Diversifie Bank Adolubank AŞ 4393417 IQ30298341994 Habaş Sıi v4408545 Turkey
Diversifie Bank Bk Kapital T.A.S. 7362408 IQ60392081985
Diversifie Bank Bank of Chi TR 10403165 IQ55724912017 Bank of Chi4055265 Chi
Diversifie Bank Bankpozitif Kredi 4251981 IQ25167171999 Tarshish-H4438780 Israel
Diversifie Bank Bereket Varlik Kir 8597490 IQ14284822011 Albaraka Tü4238304 Turkey
Diversifie Bank BBT 4247280 IQ49945001989 Burgan Ban4257076 Kuwait
Diversifie Bank Citibank 4171199 IQ35067681975 Citigroup N4399739 USA
Diversifie Bank GSD HoldinIBSE 4185965 IQ11421241986
Diversifie Bank HSBC Bk AŞ 4251811 IQ24249081990 HSBC Middl6510340 United Kingdom
Diversifie Bank ICBC TurkeIBSE 4186032 IQ20405131984 Industrial 4226356 Chi
Diversifie Bank Koç Finsal 4250982 IQ21841512001 Koç Holding4298168 Turkey
Diversifie Bank Korfezbank A.S. 8592443 IQ137563641 Doğuş Hold4257552 Turkey
Diversifie Bank Kuveyt Türk 4387744 IQ36342471989 Kuwait Finc4187364 Kuwait
Diversifie Bank Odeabank 4546337 IQ22509722011 Bank Audi 4259815 Lebanon
Diversifie Bank PASHA Yatırım Bk 4665695 IQ32340071987 "PASHA Ba4401036 Azerbaijan
Diversifie Bank QNB Finsb IBSE 4144867 IQ879556 1987 Qatar tiol 4324968 Qatar
Diversifie Bank Şekerbank IBSE 4144871 IQ92205201953
Diversifie Bank Türk Ekonomi 4144875 IQ24927561927 TEB Holdin4250620 France
Diversifie Bank Turkish Bk AŞ 4187353 IQ34304241991 Özyol Hold4542145 Turkey
Diversifie Bank TC Ziraat 4245541 IQ12824561863 Turkey We5885448 Turkey
Diversifie Bank TBK 4255942 IQ25747111991 tiol Comme4015231 Saudi Arab
Diversifie Bank Türkiye GarIBSE 4144868 IQ879428 1946 Banco Bilba113904 Spain
Diversifie Bank Halkbank IBSE 4186033 IQ22134571938 Turkey Wea5885448; 8280333
Diversifie Bank Isbank IBSE 4144876 IQ874570 1924
Diversifie Bank Vakıfbank IBSE 4185814 IQ22071651954 Republic of4216061 Turkey
Diversifie Bank T-Bank 4187352 IQ25760051985 Arab Bank 4055267; 4272111
Diversifie Bank Yapi Kredi IBSE 4150761 IQ874601 1944
 Has Bank
Institutio Has Regulator Has Third Net
Ownershi n Consolida Current y Party Net Income Income
Investor Company p Coverage tion Fincials? Fincials? Fincials? CQ32020 CQ22020
Type Status Structure Level Status Yes/No Yes/No Yes/No ($000) ($000)

SP_CONS
SP_INVES SP_COMP SP_OWN SP_INSTN OLIDATIO SP_CURR
TOR_TYP ANY_STA _STRUCT _COV_LE N_STATU ENT_FINL SP_BNKR SP_THIRD SP_NET_IN SP_NET_I
E TUS URE VEL S S EG_FINLS _FINLS C NC
Operating Stock CorpSummary ConsolidatYes No No (29) 3
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 210,990 230,476
Other or Operating Stock CorpFull ConsolidatYes No No 7,955
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 4,495 4,993
Operating Stock CorpSummary ConsolidatYes No No 13,209
Operating No No No
Operating Stock CorpSummary ConsolidatYes No No 3,817
Operating Stock CorpSummary ConsolidatYes No No 111 (3,336)
Operating Subsidiary No No No
Operating Stock CorpSummary ConsolidatYes No No (1,333)
Operating Stock CorpSummary ConsolidatYes No No 23,299
Fincial Inv Operating Stock CorpFull ConsolidatYes No No (5,412)
United Kingdom Operating Stock CorpSummary ConsolidatYes No No (5,053)
Operating Stock CorpFull ConsolidatYes No No (1,709) 378
Fincial Inv Operating Stock CorpSummary ConsolidatNo No No
Operating Subsidiary No No No
Other or Operating Stock CorpSummary ConsolidatYes No No 74,128
Operating Stock CorpSummary ConsolidatYes No No 4,763
Fincial Inv Operating Stock CorpSummary ConsolidatYes No No 384
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 95,259 89,745
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 1,998 5,071
Operating Stock CorpFull ConsolidatYes No No 57,415 57,549
Operating Stock CorpSummary ConsolidatYes No No (13)
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 302,570 450,373
Other or Operating Stock CorpFull ConsolidatYes No No 25,935 32,302
Operating Stock CorpFull UnconsolidYes No No 264,391 240,386
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 208,192
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 279,770
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 182,434 352,423
Fincial Inv Operating Stock CorpSummary ConsolidatYes No No 1,483
Fincial Inv Operating Stock CorpFull ConsolidatYes No No 256,754 193,884
Average 107,739.57 83,682.88
Median 57,415.41 7,955.20
 Net Net Net Net Net
Income Income Income Income Income Total Assets Total Assets Total Assets
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000)

SP_NET_I SP_NET_I SP_NET_I SP_NET_I SP_NET_I SP_TOTAL_ASS SP_TOTAL_AS SP_TOTAL_AS

NC NC NC NC NC ETS SETS SETS
(55) 100 238 202 232 7,651 8,644 9,016
213,335 228,453 239,864 214,488 262,077 62,978,496 64,731,698 64,161,618
3,004 11,438 (6,322) 8,277 3,300 8,689,440 8,473,210
6,604 523 11,247 10,048 9,724 4,599,270 4,888,310 4,968,420
20,257 13,480 17,098 17,636 20,222 4,183,494 3,372,173

5,396 7,208 10,793 11,010 4,979 269,940 275,243

(441) (175) 459 (94) 269 128,199 132,721 137,367

2,030 4,652 985 12,076 6,533 3,573,280 3,706,930

30,694 27,881 28,891 39,844 33,649 2,180,393 2,415,878
6,337 9,370 1,585 5,814 12,437 313,030 328,803
24,651 4,488 28,090 20,552 32,176 5,612,851 5,780,341
15,657 3,234 902 1,830 6,869 3,147,600 3,339,253 3,171,785

56,255 69,331 29,636 55,456 41,937 20,119,248 18,407,721

5,207 8,452 2,098 1,054 749 5,236,762 4,892,242
1,388 1,449 736 53 2,384 295,084 289,303
122,632 124,836 133,866 123,637 122,040 30,655,519 31,390,428 32,273,414
6,392 (84,291) (2,299) (32,554) (16,626) 4,919,127 5,045,553 4,981,223
64,124 52,045 31,476 56,722 58,429 17,723,246 18,394,056 19,213,694
342 (350) 159 (85) 487 190,444 217,070
402,295 492,520 292,092 207,552 302,746 128,507,349 124,141,086 113,519,741
29,767 30,664 (854) 20,684 15,460 10,383,434 9,927,921 9,052,588
275,160 214,363 234,399 325,556 327,174 68,152,112 71,002,647 69,456,221
185,978 189,099 105,073 71,993 33,082 89,053,598 76,750,658
266,008 438,985 284,807 237,590 274,735 95,603,106 93,784,917
295,344 234,667 144,051 91,106 148,211 84,374,790 80,371,594 72,781,330
9,879 (43,936) (8,178) (13,466) (12,605) 447,824 534,609
184,973 45,418 172,018 190,693 231,118 63,822,618 64,834,987 66,217,728
82,711.67 77,181.57 64,922.57 62,136.05 71,177.33 36,876,877.77 26,443,607.06 25,154,564.56
20,257.03 11,437.91 11,246.70 17,636.01 15,459.61 17,723,245.56 5,236,761.55 4,981,223.11
 Total Assets Total Assets Total Assets Total Assets Total Equity Total Equity Total Equity
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
($000) ($000) ($000) ($000) ($000) ($000) ($000)

SP_TOTAL_AS SP_TOTAL_AS SP_TOTAL_AS SP_TOTAL_AS SP_TOTAL_E SP_TOTAL_E SP_TOTAL_E

SETS SETS SETS SETS QUITY QUITY QUITY
10,021 10,687 10,083 10,143 7,315 8,266 8,623
65,066,624 67,180,590 64,924,171 68,331,101 7,642,506 8,391,644 8,207,806
8,650,842 8,221,092 7,568,860 7,898,927 601,433 603,132
5,056,498 5,202,947 5,187,340 4,685,445 311,958 345,770 350,403
3,501,033 3,418,053 3,352,391 3,204,341 434,677 432,919

275,844 302,589 266,623 223,625 229,389

156,195 158,294 172,514 176,357 36,794 41,582 46,741

3,621,069 3,771,271 3,832,480 3,836,427 282,932 294,947

2,144,171 2,196,045 2,272,480 2,341,626 418,345 407,495
354,806 355,636 356,056 365,962 230,823 245,785
5,875,045 5,858,678 5,707,226 5,348,222 479,142 499,866
3,090,797 3,132,416 2,941,034 3,578,809 182,252 209,061 211,582

17,959,322 17,382,264 15,391,352 15,021,098 1,064,392 1,041,798

5,489,940 5,622,670 5,290,780 5,498,200 492,227 487,744
289,981 284,380 271,025 265,456 79,196 82,235
31,514,887 31,798,678 30,674,330 31,112,490 2,312,970 2,528,974 2,466,983
5,385,357 5,576,527 5,632,791 6,006,972 280,806 309,257 303,272
18,354,133 18,420,220 17,835,502 18,323,440 1,486,136 1,623,194 1,567,357
258,965 238,833 240,110 283,007 31,703 32,883
116,583,965 116,100,337 111,605,796 108,250,588 11,173,608 12,699,656 10,970,913
8,771,663 8,929,076 8,712,717 8,950,264 694,301 761,726 744,776
72,021,065 72,831,278 72,949,860 74,936,161 7,869,261 8,515,836 8,390,359
78,756,357 80,482,548 76,060,715 73,940,138 6,145,033 5,058,271
94,960,312 93,229,133 90,603,402 91,298,729 10,223,591 9,877,048
72,775,129 70,660,937 68,047,866 66,576,179 5,883,540 6,565,376 5,250,728
655,512 667,550 628,917 637,003 77,592 79,598
69,103,761 70,297,957 70,656,629 69,644,331 6,051,810 6,437,820 6,386,532
25,580,862.76 25,641,877.21 24,859,001.84 25,789,285.24 3,379,481.33 2,563,810.09 2,380,710.56
5,489,939.84 5,622,670.49 5,632,790.78 5,752,585.99 1,486,135.65 479,142.42 487,743.50
 Total Total Total Total Total
Debt/ Debt/ Debt/ Debt/ Debt/
Total Total Total Total Total
Total Equity Total Equity Total Equity Total Equity Equity Equity Equity Equity Equity
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
($000) ($000) ($000) ($000) (x) (x) (x) (x) (x)

SP_DEBT_ SP_DEBT_ SP_DEBT_ SP_DEBT_ SP_DEBT_

SP_TOTAL_E SP_TOTAL_E SP_TOTAL_E SP_TOTAL_E TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT
QUITY QUITY QUITY QUITY Y Y Y Y Y
9,574 9,989 9,509 9,534 0.00 0.00 0.00 0.00 0.00
9,135,933 9,122,021 8,523,707 8,407,052 1.68 1.70 1.33 1.19 1.26
677,478 612,313 606,379 636,871 1.92 1.68 1.49 1.77
406,153 429,132 408,810 359,520 5.54 5.12 5.74 4.47 4.23
467,339 471,573 441,957 429,666 2.33 0.51 0.55 0.39

243,082 248,815 232,079 0.08 0.08 0.06 0.06

52,268 55,288 53,306 54,863 2.25 1.93 1.74 1.76 1.65

322,546 336,217 335,710 342,658 4.66 4.40 3.74 3.72

423,980 409,238 362,869 320,887 0.21 0.08 0.03 0.02
257,957 258,901 252,001 250,855 0.29 0.30 0.34 0.33
528,009 548,350 501,243 487,155 1.43 0.49 0.48 0.68
223,399 228,414 217,649 214,906 7.49 6.13 6.23 4.61 4.35

1,140,585 1,112,975 1,029,896 997,561 2.36 1.31 1.30 1.64

554,514 570,765 546,903 563,167 2.39 1.48 1.43 1.53
89,340 92,648 89,599 91,767 2.66 2.46 2.19 1.96
2,817,509 2,807,502 2,655,964 2,676,974 3.47 3.29 3.49 2.91 3.00
329,515 384,179 376,537 418,667 2.37 2.38 2.59 2.19 1.98
1,665,419 1,707,552 1,715,355 1,795,701 2.22 2.48 2.24 1.82 1.98
36,040 37,947 36,840 37,946 1.04 1.13 1.21 0.82
12,474,372 12,141,133 10,915,297 10,461,458 1.99 1.43 1.68 1.56 1.85
812,898 818,137 784,693 771,235 2.20 1.94 1.12 1.10 1.43
9,083,549 9,171,182 8,733,715 8,572,451 1.33 1.49 1.32 1.27 1.33
5,410,962 5,443,492 5,176,441 5,227,366 2.99 3.23 3.19 3.45
11,041,521 10,841,608 10,138,594 9,938,972 2.26 2.50 1.99 2.12
5,638,661 5,669,170 5,284,394 5,244,744 3.15 4.25 3.57 3.44
18,886 65,242 43,318 58,380 0.09 0.09 0.40 0.12
6,922,489 7,122,783 6,997,945 6,916,730 2.64 2.57 2.66 2.62
2,621,628.79 2,619,132.06 2,461,878.09 2,511,041.72 2.78 2.16 2.00 1.76 1.77
528,009.04 548,350.16 501,243.46 525,160.56 2.22 2.26 1.68 1.49 1.65
 Total Total
Debt/ Debt/
Total Total
Equity Equity ROAA ROAA ROAA ROAA ROAA ROAA ROAA ROAE
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
(x) (x) (%) (%) (%) (%) (%) (%) (%) (%)

SP_DEBT_ SP_DEBT_
TO_EQUIT TO_EQUIT
Y Y SP_ROA SP_ROA SP_ROA SP_ROA SP_ROA SP_ROA SP_ROA SP_ROE
0.00 0.00 (1.42) 0.15 (2.25) 3.85 9.09 8.20 8.83 (1.49)
1.44 1.76 1.31 1.46 1.29 1.38 1.44 1.32 1.52 10.46
1.72 2.57 0.38 0.14 0.54 (0.32) 0.44 0.16
4.78 5.07 0.38 0.41 0.51 0.04 0.86 0.84 0.80 5.44
0.49 0.57 1.43 2.30 1.56 2.00 2.21 2.44

0.02 5.73 7.64 9.98 15.06

2.04 2.04 0.34 (10.11) (1.18) (0.44) 1.10 (0.22) 0.59 1.13

4.32 4.80 (0.15) 0.22 0.50 0.10 1.29 0.64

0.02 0.02 4.15 5.24 5.14 5.13 7.09 6.24
0.38 0.43 (6.91) 7.25 10.55 1.77 6.61 13.45
0.85 0.72 (0.36) 1.65 0.31 1.93 1.53 2.21
4.58 6.28 (0.21) 0.05 1.95 0.42 0.12 0.23 0.82 (3.48)

1.62 2.23 1.57 1.21 1.57 0.72 1.50 1.13

1.59 1.61 0.38 0.39 0.61 0.15 0.08 0.05
1.94 1.85 0.54 1.87 2.02 1.05 0.08 3.60
3.27 3.36 1.22 1.15 1.50 1.58 1.70 1.64 1.55 15.64
2.28 2.34 0.16 0.41 0.48 (6.15) (0.16) (2.30) (1.07) 2.69
2.05 1.81 1.26 1.25 1.33 1.13 0.69 1.29 1.24 14.68
0.88 1.13 (0.03) 0.56 (0.56) 0.26 (0.13) 0.64
2.18 2.04 0.95 1.55 1.37 1.69 1.02 0.78 1.10 10.09
1.98 2.82 1.01 1.39 1.30 1.39 (0.04) 0.96 0.68 14.16
1.65 1.76 1.51 1.40 1.52 1.18 1.28 1.81 1.71 12.82
3.78 2.99 1.03 0.93 0.95 0.53 0.39 0.18
2.40 2.53 1.21 1.10 1.87 1.23 1.07 1.16
4.03 4.18 0.88 1.88 1.58 1.31 0.82 0.56 0.88 11.66
1.43 0.55 1.24 6.51 (26.57) (5.01) (8.74) (7.50)
2.79 2.66 1.58 1.21 1.07 0.26 0.97 1.12 1.30 16.33
2.02 2.24 0.69 0.46 1.76 0.60 1.61 1.14 1.71 8.47
1.94 2.04 0.95 1.15 1.30 1.18 0.97 1.02 1.11 10.46
 ROAE ROAE ROAE ROAE ROAE ROAE Total Deposits Total Deposits
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020
(%) (%) (%) (%) (%) (%) ($000) ($000)

SP_TOTAL_DE SP_TOTAL_DE
SP_ROE SP_ROE SP_ROE SP_ROE SP_ROE SP_ROE POSITS POSITS
0.16 (2.35) 4.07 9.68 8.71 9.35 25 24
11.36 9.63 10.01 10.80 10.40 12.34 36,888,275 36,141,338
5.41 1.84 7.09 (4.12) 5.47 1.98 6,522,409
5.87 6.84 0.50 10.66 10.73 11.21 2,393,835 2,618,061
12.46 17.59 11.49 14.86 16.61 18.29 2,584,735

6.90 8.93 11.73 17.82 18,507

(30.96) (3.49) (1.30) 3.36 (0.71) 1.87 0 0

(1.89) 2.57 5.65 1.16 14.62 7.37 1,741,575

23.09 28.84 26.76 29.73 47.82 41.51 1,325,627
(9.30) 9.83 14.50 2.46 9.50 19.47 0
(4.23) 18.74 3.34 21.26 17.07 24.09 3,962,220
0.74 28.13 5.73 1.61 3.47 12.40 1,435,063 1,634,879

28.80 20.16 24.61 10.98 22.46 16.30 15,592,251

3.98 3.91 6.01 1.49 0.78 0.50 3,159,550
1.95 6.33 6.37 3.21 0.24 10.00 0
14.70 18.17 17.75 19.46 19.04 17.64 16,741,178 17,050,865
6.78 7.90 (94.68) (2.40) (33.64) (14.83) 3,687,339 3,680,842
14.76 15.50 12.35 7.30 13.27 12.54 11,253,585 10,935,943
(0.17) 3.88 (3.79) 1.69 (0.94) 4.91 99,887
15.55 13.43 16.00 10.06 7.97 10.91 86,169,572 85,061,665
17.55 14.95 15.04 (0.42) 10.92 7.66 7,764,733 7,306,889
11.64 12.31 9.40 10.40 15.45 14.75 44,642,754 44,444,935
15.18 13.89 13.94 7.86 5.68 2.41 55,104,688
11.39 9.95 16.05 10.78 9.72 10.56 49,672,720
24.36 21.21 16.60 10.44 7.11 10.84 51,641,683 47,856,449
7.72 75.98 (423.98) (59.95) (108.95) (74.77) 330,758
12.37 10.87 2.59 9.67 11.25 12.72 34,146,721 35,653,733
7.64 13.91 (9.86) 5.92 4.77 7.77 22,828,058.75 16,018,538.93
7.72 10.87 9.40 9.67 9.61 10.88 11,253,584.82 3,680,842.26
 Net
Net Interest Interest
Total Deposits Total Deposits Total Deposits Total Deposits Total Deposits Income Income
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020
($000) ($000) ($000) ($000) ($000) ($000) ($000)

SP_TOTAL_DE SP_TOTAL_DE SP_TOTAL_DE SP_TOTAL_DE SP_TOTAL_DE SP_NET_IN SP_NET_IN

POSITS POSITS POSITS POSITS POSITS T_INC T_INC
25 25 27 27 27 187 210
40,379,653 39,986,687 40,600,534 38,447,927 38,679,295 678,548 727,075
6,352,889 6,343,034 5,835,400 5,358,612 5,129,488 58,294
2,443,393 2,660,605 2,755,636 2,668,314 2,352,454 25,018 22,478
2,520,177 2,606,737 2,513,867 2,525,184 2,355,499 26,553

18,970 12,719 35,957 25,926 4,580

0 0 0 0 0 1,891 1,742

1,934,108 1,879,380 1,982,001 1,839,949 1,578,977 25,671

1,823,414 1,553,726 1,541,073 1,711,676 1,476,468 31,469
0 0 0 0 0 1,816
4,471,021 4,622,371 4,453,467 4,280,228 4,058,263 42,408
1,449,631 1,645,319 1,593,091 1,412,002 1,621,398 15,932 13,877

15,419,960 14,762,681 13,909,832 12,280,294 11,429,205 227,043

3,301,969 3,704,789 3,613,304 3,437,518 3,601,968 29,670
0 0 0 0 0 2,643
17,651,571 16,821,372 16,698,725 15,805,852 15,347,828 367,779 350,871
3,560,655 3,916,583 4,041,659 4,064,134 4,212,943 52,506 57,209
12,544,098 12,064,994 11,595,050 11,317,696 11,928,183 221,854 231,060
113,958 124,984 137,633 146,452 175,410 1,658
75,044,828 75,364,328 70,807,737 66,857,556 66,215,508 1,483,094 1,513,660
7,119,540 6,709,181 6,551,270 6,112,662 5,670,596 96,269 95,227
44,765,424 46,149,599 44,975,936 44,320,041 45,159,457 913,873 848,693
45,251,251 45,876,348 46,298,837 41,101,235 41,923,318 801,457
47,404,455 49,893,459 46,989,391 44,851,241 44,587,977 1,016,624
39,552,718 40,941,028 39,329,979 35,797,531 33,954,513 765,341 807,149
412,817 521,290 508,399 503,877 496,020 4,819
37,632,388 37,982,980 37,973,326 37,921,735 38,131,263 602,416 604,686
15,228,478.29 15,412,748.80 14,990,449.23 14,177,321.04 14,618,694.54 401,900.71 279,579.26
3,560,655.48 3,916,582.58 4,041,658.70 4,064,133.57 4,135,603.10 221,854.33 42,408.06
 Net Net Net Net
Interest Interest Interest Interest
Net Net Net Net Net Income/ Income/ Income/ Income/
Interest Interest Interest Interest Interest Avg Avg Avg Avg
Income Income Income Income Income Assets Assets Assets Assets
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
($000) ($000) ($000) ($000) ($000) (%) (%) (%) (%)

SP_NET_I SP_NET_I SP_NET_I SP_NET_I

NT_INC_T NT_INC_T NT_INC_T NT_INC_T
SP_NET_IN SP_NET_IN SP_NET_IN SP_NET_IN SP_NET_IN O_AVG_A O_AVG_A O_AVG_A O_AVG_A
T_INC T_INC T_INC T_INC T_INC SSETS SSETS SSETS SSETS
244 353 538 492 584 9.14 9.75 10.01 13.64
858,325 844,654 763,447 688,877 682,420 4.22 4.62 5.19 5.11
62,157 65,777 21,446 23,124 38,588 2.78 2.83 3.12
31,731 23,028 32,580 33,056 28,679 2.09 1.87 2.47 1.80
33,066 40,969 42,599 41,788 46,922 2.87 3.76 4.74

6,230 7,303 9,725 10,373 10,693 6.88 8.82 10.11

2,081 2,400 2,429 3,073 2,660 5.75 5.28 5.55 6.11

32,166 31,872 36,061 38,946 36,233 2.89 3.42 3.45

37,044 38,454 51,250 40,986 39,312 5.61 6.32 7.09
2,526 3,373 4,320 3,934 4,230 2.32 2.89 3.80
49,188 66,587 61,514 77,698 60,348 3.05 3.30 4.54
20,147 21,306 13,568 16,335 19,191 1.95 1.74 2.51 2.74

189,444 167,202 163,499 149,123 147,869 4.82 4.06 3.78

42,367 33,835 47,901 49,136 42,711 2.40 3.19 2.44
2,923 3,333 4,320 4,738 4,732 3.70 3.94 4.64
406,671 418,797 345,769 295,398 319,472 4.70 4.51 4.97 5.29
72,770 63,499 58,636 45,098 39,758 4.18 4.67 5.49 4.64
255,260 299,016 258,911 202,737 229,901 4.88 5.03 5.30 6.51
1,968 2,095 2,477 3,182 2,816 3.34 3.24 3.36
1,567,471 1,562,263 1,129,870 1,156,187 1,035,057 4.65 5.21 5.32 5.37
94,149 91,749 85,639 86,864 76,903 3.75 4.10 4.12 4.15
958,793 962,956 915,212 849,661 914,042 5.21 4.94 5.29 5.32
910,014 699,997 545,857 431,372 365,470 3.95 4.57 3.52
1,074,441 1,109,975 1,022,740 957,365 919,790 4.39 4.44 4.72
832,124 826,278 619,060 504,896 470,675 4.31 4.46 4.61
5,634 (3,748) 1,789 1,236 1,694 4.02 3.71 (2.27)
689,404 677,162 719,028 688,333 648,710 3.71 3.78 3.98 3.89
305,123.56 298,536.43 257,784.66 237,185.45 229,239.32 4.52 4.18 4.56 4.67
49,188.33 63,498.88 51,250.40 45,097.52 42,711.32 4.43 4.10 4.12 4.61
 Net Net Net
Interest Interest Interest
Income/ Income/ Income/ Net Net Net Net Net Net Net
Avg Avg Avg Interest Interest Interest Interest Interest Interest Interest
Assets Assets Assets Margin Margin Margin Margin Margin Margin Margin
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%) (%) (%) (%) (%) (%)

SP_NET_I SP_NET_I SP_NET_I

NT_INC_T NT_INC_T NT_INC_T
O_AVG_A O_AVG_A O_AVG_A
SSETS SSETS SSETS SP_NIM SP_NIM SP_NIM SP_NIM SP_NIM SP_NIM SP_NIM
20.58 20.00 22.26 9.60 10.29 10.53 14.40 21.95 21.34 23.58
4.59 4.25 3.96 4.37 4.79 5.37 5.30 4.75 4.38 4.09
1.08 1.23 1.91 3.01 3.08 3.41 1.18 1.33 2.07
2.49 2.75 2.36 2.22 1.98 2.61 1.89 2.61 2.87 2.47
5.00 5.23 5.66 2.99 3.93 4.97 5.26 5.52 5.97

13.57 7.10 9.06 10.33 13.88

5.82 7.23 5.81 6.29 5.81 6.09 6.69 6.35 7.84 6.29

3.76 4.17 3.56 3.06 3.61 3.62 3.91 4.32 3.67

9.10 7.30 7.28 5.66 6.38 7.20 9.26 7.41 7.46
4.82 4.48 4.57 4.00 4.34 5.65 7.19 6.60 6.73
4.22 5.77 4.14 3.15 3.41 4.72 4.41 6.01 4.29
1.77 2.06 2.29 1.98 1.77 2.54 2.77 1.80 2.09 2.31

3.96 4.03 3.97 5.00 4.21 3.92 4.11 4.21 4.20

3.49 3.74 2.94 2.67 3.51 2.65 3.81 4.06 3.15
6.18 7.25 7.14 4.31 4.63 5.55 7.43 8.69 8.67
4.39 3.93 4.05 5.05 4.84 5.32 5.64 4.68 4.17 4.29
4.15 3.18 2.55 4.67 5.25 6.16 5.19 4.62 3.51 2.79
5.67 4.61 4.89 5.08 5.30 5.63 6.95 6.01 4.80 5.06
4.11 5.00 3.70 3.56 3.44 3.58 4.37 5.25 3.86
3.94 4.32 3.77 4.81 5.42 5.54 5.55 4.06 4.45 3.89
3.85 4.04 3.40 3.91 4.29 4.34 4.41 4.16 4.40 3.69
4.98 4.72 4.78 5.54 5.26 5.62 5.58 5.18 4.88 4.97
2.77 2.36 1.95 4.09 4.74 3.65 2.87 2.44 2.01
4.42 4.32 3.89 4.96 5.02 5.35 5.01 4.87 4.38
3.54 3.08 2.81 4.56 4.76 4.90 3.77 3.28 2.99
1.10 0.80 1.01 4.60 4.10 (2.48) 1.19 0.86 1.08
4.05 4.03 3.64 4.06 4.26 4.13 4.31 4.26 3.82
5.09 4.76 4.55 4.87 4.51 4.90 5.02 5.49 5.15 4.92
4.15 4.21 3.83 4.81 4.56 4.63 4.97 4.41 4.39 3.99
 Tier 1 Tier 1 Tier 1 Tier 1 Tier 1 Tier 1 Tier 1
Common Common Common Common Common Common Common
Capital Capital Capital Capital Capital Capital Capital
(CET1) (CET1) (CET1) (CET1) (CET1) (CET1) (CET1) Tier 1 Tier 1 Tier 1
Ratio Ratio Ratio Ratio Ratio Ratio Ratio Ratio Ratio Ratio
CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
(%) (%) (%) (%) (%) (%) (%) (%) (%) (%)

SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TIER_1

_COMMO _COMMO _COMMO _COMMO _COMMO _COMMO _COMMO SP_TIER_1 SP_TIER_1 SP_TIER_1
N_RATIO N_RATIO N_RATIO N_RATIO N_RATIO N_RATIO N_RATIO _RATIO _RATIO _RATIO
175.06 174.07 197.47 194.80 190.85 186.50 175.06 174.07
18.60 18.81 17.44 16.90 16.73 15.00 13.83 18.60 18.81 17.44
8.81 8.24 8.99 7.14 7.53 7.37 11.08 10.46
9.08 8.74 8.29 8.54 8.82 8.76 7.88 11.24 10.60 10.02
15.04 14.43 14.65 14.53 13.89 14.71 15.04 14.43

62.28 58.44 62.31 86.56 96.01 62.28 58.44

9.96 9.39 10.34 10.82 9.66 9.82 9.96 9.39

27.31 29.10 27.53 23.05 22.02 20.20 27.31 29.10

12.85 13.50 14.28 14.01 13.03 12.61 12.85 13.50

8.71 8.58 7.95 7.70 9.09 9.50 8.26 8.69 8.56 7.93

13.30 13.08 11.85 11.74 11.39 10.98 15.90 15.60

12.62 12.02 14.08 13.44 12.89 12.93 12.62 12.02
25.25 27.43 30.75 32.52 32.32 33.78 25.25 27.43
11.32 11.58 10.19 10.76 10.92 10.56 10.47 13.78 13.85 12.17
7.55 7.48 7.31 7.52 9.13 8.80 9.09 8.52 8.46 8.32
13.00 12.64 10.81 12.03 11.86 11.71 11.11 13.00 12.64 10.81
21.09 20.87 19.87 21.41 21.03 19.46 21.09 20.87
13.87 14.42 12.77 13.58 13.45 12.49 11.88 15.91 16.23 14.56
11.64 12.49 11.59 12.86 13.04 12.06 10.94 11.64 12.49 11.59
14.21 14.79 14.03 15.39 15.72 14.12 13.26 14.21 14.79 14.03
10.68 8.89 9.32 9.30 9.40 9.63 12.44 10.65
13.55 12.48 12.93 12.74 12.07 11.56 13.81 12.74
12.51 9.72 10.26 10.59 10.47 10.29 15.42 12.55
17.75 16.26 14.44 11.43 7.12 9.89 17.75 16.26
13.90 13.63 12.45 12.48 12.45 11.62 10.97 15.40 15.01 13.70
12.19 22.45 21.63 23.07 23.81 23.37 19.89 13.10 23.17 22.32
12.32 13.30 12.48 12.93 12.74 12.06 11.05 13.39 14.79 13.50
 Tier 1 Tier 1 Tier 1 Tier 1 Total Capital Total Capital Total Capital Total Capital
Ratio Ratio Ratio Ratio Ratio Ratio Ratio Ratio
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
(%) (%) (%) (%) (%) (%) (%) (%)

SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TIER_1 SP_TOTAL_CA SP_TOTAL_CA SP_TOTAL_CA SP_TOTAL_CA

_RATIO _RATIO _RATIO _RATIO PITAL_RATIO PITAL_RATIO PITAL_RATIO PITAL_RATIO
197.47 194.80 190.85 186.50 175.72 175.06 174.07 197.47
16.90 16.73 15.00 13.83 21.83 21.86 20.36 19.66
11.37 9.52 9.99 9.72 16.17 15.17 15.91
9.52 9.83 9.79 8.97 20.39 18.44 18.30 17.25
14.65 14.53 13.89 14.71 15.39 14.87 15.14

62.31 86.56 96.01 62.77 58.88 63.32

31.18 33.54 33.65 33.89

10.34 10.82 9.66 9.82 19.41 18.06 18.95

27.53 23.05 22.02 20.20 28.24 30.05 28.55

14.28 14.01 13.03 12.61 18.10 18.95 20.66

7.67 9.06 9.46 8.22 24.91 21.94 19.86 18.71

14.01 13.93 11.39 10.98 20.97 20.69 18.61

14.08 13.44 12.89 12.93 20.43 19.50 21.74
30.75 32.52 32.32 33.78 26.50 28.68 32.00
12.70 12.90 12.63 10.47 16.66 16.60 14.71 15.23
8.56 9.13 8.80 9.09 13.10 12.68 12.46 12.48
12.03 11.86 11.71 11.11 18.79 17.77 15.34 16.74
19.87 21.41 21.03 19.46 21.31 21.09 20.11
15.40 15.25 14.42 11.88 16.96 17.29 15.56 16.39
12.86 13.04 12.06 10.94 15.84 17.04 16.05 17.42
15.39 15.72 14.12 13.26 16.88 17.42 16.61 17.81
11.08 11.01 11.27 9.63 15.07 13.31 13.65
13.22 13.02 12.36 11.85 18.12 16.89 16.37
13.26 13.71 13.80 12.06 17.41 14.56 16.22
14.44 11.43 12.56 9.89 18.85 17.38 15.48
13.66 13.61 12.77 12.12 18.90 18.14 16.58 16.74
23.73 24.44 24.15 20.17 32.60 27.17 26.22 27.56
14.01 13.61 12.77 11.87 18.85 18.29 17.72 17.61
 Total Capital Total Capital Total Capital Problem Problem Problem Problem Problem
Ratio Ratio Ratio Loans Loans Loans Loans Loans
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
(%) (%) (%) ($000) ($000) ($000) ($000) ($000)

SP_TOTAL_CA SP_TOTAL_CA SP_TOTAL_CA SP_PROBLE SP_PROBLE SP_PROBLE SP_PROBLE SP_PROBLE

PITAL_RATIO PITAL_RATIO PITAL_RATIO M_LOANS M_LOANS M_LOANS M_LOANS M_LOANS
194.81 190.85 186.50 786 884 923 1,018 1,073
19.48 17.71 16.21 2,142,794 2,377,854 2,478,217 2,593,195 2,375,844
13.85 14.51 13.94 349,301 359,580 373,374 390,698
18.14 18.20 17.49 146,802 164,951 155,126 171,552 162,671
15.16 14.63 15.37 210,579 218,541 232,545 217,898

87.81 97.26 0 0 0 0
33.11 30.80 30.64 23,171 25,362 25,963 27,977 28,688

20.39 18.50 18.93 237,456 182,816 200,452 211,132

23.96 22.91 21.22 20,440 21,376 23,634 25,058
2,120 2,175 2,367 3,048
20.06 19.12 18.69 100,719 106,430 118,896 180,890
21.89 23.85 20.77 5,670 6,486 6,679 28,242 38,332

18.63 16.28 15.88 329,288 332,560 354,544 385,691

20.60 20.07 20.23 330,988 339,386 471,093 424,276
33.77 33.57 34.99 5,236 5,484 5,958 6,140
15.45 15.25 13.97 1,133,492 1,281,482 1,347,086 1,467,380 1,338,786
12.87 12.51 12.65 377,326 441,232 474,959 535,363 372,128
16.37 16.42 15.51 501,737 601,839 627,872 702,281 703,259
21.69 21.33 19.74 14,935 16,340 18,058 13,739
16.29 15.41 12.84 2,010,386 2,258,795 2,315,355 2,442,093 2,010,470
17.79 16.76 15.24 354,534 398,976 389,379 448,096 402,784
18.07 16.41 15.52 2,714,628 2,904,028 3,021,855 3,278,836 3,193,522
13.68 14.03 12.48 2,436,640 2,638,218 2,810,832 2,613,900
16.35 15.60 14.87 3,111,219 3,252,561 3,546,439 3,581,041
16.82 16.76 15.00 2,486,614 2,722,666 2,976,693 2,607,964
12.46 13.60 10.93 127,651 137,964 162,461 164,859
16.66 15.64 15.00 2,748,974 2,891,675 3,253,956 3,000,040
28.31 28.00 24.18 855,575.13 850,890.67 891,525.37 972,123.54 905,701.13
18.11 16.76 15.52 377,326.06 329,287.74 332,559.80 354,544.40 372,127.57
 Problem Problem Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross
Loans Loans Customer Loans Customer Loans Customer Loans
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
($000) ($000) (%) (%) (%)

SP_PROBLE SP_PROBLE SP_PROBLEM_LOANS_T SP_PROBLEM_LOANS_T SP_PROBLEM_LOANS_T

M_LOANS M_LOANS O_CUSTOMER_LOANS O_CUSTOMER_LOANS O_CUSTOMER_LOANS
1,046 1,072
1,836,537 1,689,485 5.88 6.30 6.86
367,652 362,048 6.41 6.71
155,475 147,226 4.82 5.03 4.90
192,404 181,159 8.26 9.13

0 0 0.00 0.00
27,228 23,049 21.10 21.96 22.63

172,500 159,896 8.60 6.47

21,733 16,958 2.27 2.64
2,266 2,329 3.19 2.94
170,862 162,392 3.25 3.68
15,819 16,150 0.42 0.52 0.53

323,939 278,176 3.10 3.02

360,980 344,677 11.76 12.48
924 471 2.59 2.78
1,289,145 1,226,465 5.68 6.29 6.48
291,359 260,245 11.09 12.50 13.67
633,321 578,583 4.69 5.07 4.99
11,944 12,568 12.57 13.03
1,695,800 1,619,896 2.35 2.55 2.90
312,578 293,560 5.34 6.05 6.85
2,695,937 2,679,866 5.88 5.92 6.46
2,139,193 1,779,313 3.83 4.84
3,022,553 2,698,095 5.50 5.81
2,213,362 2,166,022 4.32 5.31
177,143 160,416 41.38 40.57
2,604,654 2,494,656 6.55 6.89
768,013.14 716,843.47 6.72 7.53 7.79
291,359.03 260,244.82 5.51 5.71 6.14
 Loan Loss
Reserves/
Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross Problem
Customer Loans Customer Loans Customer Loans Customer Loans Loans
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
(%) (%) (%) (%) (%)

SP_LLR_P
SP_PROBLEM_LOANS_T SP_PROBLEM_LOANS_T SP_PROBLEM_LOANS_T SP_PROBLEM_LOANS_T ROBLEM_
O_CUSTOMER_LOANS O_CUSTOMER_LOANS O_CUSTOMER_LOANS O_CUSTOMER_LOANS LOANS
100.00
6.65 6.12 4.67 4.22 104.22
7.19 7.74 7.31 7.36
5.29 4.67 4.64 4.51 73.99
9.08 8.41 7.68 7.82

0.00 0.00 0.00

22.81 22.73 19.42 16.04 68.90

7.10 7.40 5.64 5.21

3.25 2.92 3.14 2.26
2.82 3.89 2.68 2.76
4.00 5.93 5.66 5.44
1.84 2.75 1.07 1.12 721.36

3.52 3.93 3.44 3.00

14.52 12.56 10.39 9.78
3.24 3.29 0.51 0.30
6.96 6.46 6.48 6.26 120.21
13.83 9.38 7.26 6.11 80.12
5.87 5.54 5.20 4.60 103.89
9.78 8.40 7.39 7.47
3.00 2.44 2.17 2.08 134.10
7.99 7.52 5.49 5.12 83.65
6.82 6.73 5.69 5.37 110.66
5.24 4.71 4.18 3.46
6.26 6.45 5.46 4.81
5.91 5.25 4.76 4.63
41.71 45.32 44.01 42.12
7.37 6.71 5.77 5.43
8.16 7.97 6.93 6.69 154.65
6.46 6.28 5.48 5.12 103.89
Loan Loss Loan Loss Loan Loss Loan Loss Loan Loss Loan Loss
Reserves/ Reserves/ Reserves/ Reserves/ Reserves/ Reserves/
Problem Problem Problem Problem Problem Problem Price/ Price/ Price/ Price/
Loans Loans Loans Loans Loans Loans Book Book Book Book
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
(%) (%) (%) (%) (%) (%) (%) (%) (%) (%)

SP_LLR_P SP_LLR_P SP_LLR_P SP_LLR_P SP_LLR_P SP_LLR_P SP_PBV_P SP_PBV_P SP_PBV_P SP_PBV_P
ROBLEM_ ROBLEM_ ROBLEM_ ROBLEM_ ROBLEM_ ROBLEM_ ERIOD_EN ERIOD_EN ERIOD_EN ERIOD_EN
LOANS LOANS LOANS LOANS LOANS LOANS D D D D
100.00 100.00 100.00 100.00 100.00 100.00
94.28 83.31 82.35 89.57 100.88 100.02 45.41 54.97 54.02 77.58
60.35 55.65 50.94 61.21 62.57 62.60 62.07 43.17 39.51
68.17 66.17 58.41 126.61 121.11 119.81
66.11 63.52 64.93 67.52 69.22 66.10

69.12 53.78 53.13 50.44 49.47 58.93

73.96 86.57 75.10 74.68 80.87 81.68

163.70 155.94 142.25 140.76 150.11 202.53
104.24 103.58 99.55 89.86 116.59 113.21 47.72 27.55 35.64
229.95 214.22 198.70 154.11 165.40 173.12
490.69 411.83 122.49 108.92 244.79 230.12 434.78 340.29 252.50 340.94

192.16 165.20 144.24 139.51 151.75 149.10

78.97 75.79 79.97 91.79 102.82 103.94
145.53 138.46 137.23 128.71 646.94 652.23
113.80 105.60 99.71 109.55 117.80 119.79 733.93 749.64
74.60 69.88 67.07 88.11 103.86 121.06 86.93 80.40 53.21 78.45
96.59 92.95 87.96 87.67 92.79 96.47
45.12 41.86 41.94 53.41 59.07 52.66
122.67 103.80 97.46 102.19 107.05 106.85
75.32 71.46 61.93 63.53 81.08 83.07
106.56 99.75 89.41 91.70 96.65 96.07 49.29 61.20 62.29 87.00
91.29 80.71 71.93 74.35 84.03 96.67 37.87 19.06 23.15
99.73 89.46 81.06 74.72 86.29 90.16 38.14 39.78 36.39 49.19
110.75 93.91 90.71 97.01 101.54 102.83 46.99 34.56 42.15
59.41 59.04 61.51 52.18 59.27 63.10
111.20 101.46 93.86 96.86 101.43 110.25 40.78 46.71 38.06 50.86
117.09 107.07 90.53 92.88 125.13 128.94 115.89 81.80 123.16 143.10
98.16 91.21 85.16 90.78 101.15 101.43 47.35 51.34 43.17 50.86
 Problem Problem Problem Problem Problem Problem Problem
Loans, Loans, Loans, Loans, Loans, Loans, Loans,
Net of Net of Net of Net of Net of Net of Net of
Price/ Price/ Price/ Reserves/ Reserves/ Reserves/ Reserves/ Reserves/ Reserves/ Reserves/
Book Book Book Equity Equity Equity Equity Equity Equity Equity
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%) (%) (%) (%) (%) (%)

SNL_PRO SNL_PRO SNL_PRO SNL_PRO SNL_PRO SNL_PRO SNL_PRO

BLEM_LO BLEM_LO BLEM_LO BLEM_LO BLEM_LO BLEM_LO BLEM_LO
AN_NET_ AN_NET_ AN_NET_ AN_NET_ AN_NET_ AN_NET_ AN_NET_
SP_PBV_P SP_PBV_P SP_PBV_P OF_RESV_ OF_RESV_ OF_RESV_ OF_RESV_ OF_RESV_ OF_RESV_ OF_RESV_
ERIOD_EN ERIOD_EN ERIOD_EN TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT TO_EQUIT
D D D Y Y Y Y Y Y Y
0.00 0.00 0.00 0.00 0.00 0.00 0.00
81.99 71.66 69.20 (1.18) 1.62 5.04 5.01 2.72 (0.19) (0.00)
37.41 31.38 42.66 23.03 26.44 27.04 24.75 22.69 21.26
12.24 15.18 14.98 17.57 (10.09) (8.03) (8.11)
16.42 18.41 17.45 15.01 13.40 14.29

(0.35) (0.40) (2.46) (2.40) (2.36)

19.59 18.83 25.68 25.09 25.72 25.81 17.26

21.86 8.33 15.47 15.90 9.83 8.55

(3.11) (2.93) (2.36) (2.50) (3.00) (5.42)
22.86 20.89 23.07 (0.04) (0.03) 0.00 0.12 (0.15) (0.12)
(27.32) (24.32) (22.22) (17.85) (22.29) (24.38)
258.77 267.58 262.10 (19.33) (12.12) (9.84) (2.84) (1.50) (10.52) (9.78)

(28.51) (20.81) (13.75) (13.69) (16.28) (13.69)

14.14 16.85 17.02 6.10 (1.86) (2.41)
(3.01) (2.56) (2.48) (1.90) (5.64) (2.84)
358.43 152.60 147.60 (9.91) (6.99) (3.06) 0.15 (4.55) (8.64) (9.07)
57.52 52.43 53.40 26.72 36.25 47.17 53.49 11.52 (2.99) (13.09)
(1.31) 1.26 2.82 5.08 5.08 2.66 1.14
25.86 28.89 29.09 16.87 13.27 15.68
(6.14) (4.03) (0.80) 0.50 (0.36) (1.10) (1.06)
8.35 12.93 14.92 20.99 17.96 7.54 6.45
83.24 75.95 72.66 (3.68) (2.24) 0.09 3.82 2.89 1.04 1.23
26.93 24.16 27.24 3.45 10.06 14.58 12.32 6.60 1.14
51.80 52.07 49.43 0.08 3.47 6.08 8.35 4.09 2.67
41.58 35.12 39.15 (4.07) 3.16 4.90 1.38 (0.65) (1.17)
66.78 71.00 331.13 120.84 166.54 101.39
50.63 50.25 46.05 (4.78) (0.66) 2.89 1.32 (0.53) (3.70)
97.38 75.83 75.69 2.30 5.97 8.59 20.42 8.67 7.01 3.70
51.80 52.07 49.43 (1.18) 0.08 3.16 5.01 2.72 (0.19) (0.06)
 Problem Loans/ Net Problem Loans/ Net Problem Loans/ Net Problem Loans/ Net
Total Loans Total Loans Total Loans Total Loans
CQ32020 CQ22020 CQ12020 CQ42019
(%) (%) (%) (%)

SNL_PROBLEM_LOAN_ SNL_PROBLEM_LOAN_ SNL_PROBLEM_LOAN_ SNL_PROBLEM_LOAN_

TO_NET_TOTAL_LOAN TO_NET_TOTAL_LOAN TO_NET_TOTAL_LOAN TO_NET_TOTAL_LOAN

6.27 6.70 7.27 7.04

6.66 6.97 7.47
4.99 5.21 5.06 5.46
8.73 9.69 9.65

0.00 0.00 0.00

24.69 25.88 25.76 25.95

9.18 6.85 7.50

2.36 2.76 3.41
3.30 3.03 2.90
3.51 3.99 4.34
0.43 0.53 0.54 1.88

3.30 3.18 3.71

12.96 13.78 16.43
2.69 2.89 3.39
6.09 6.77 6.96 7.48
12.18 13.79 15.12 15.24
4.93 5.33 5.23 6.19
13.32 13.78 10.20
2.42 2.63 2.99 3.09
5.59 6.34 7.20 8.41
6.28 6.31 6.91 7.26
3.97 5.03 5.45
5.82 6.13 6.59
4.54 5.58 6.24
54.88 53.35 56.10
7.07 7.41 7.92
7.39 8.53 8.75 9.20
5.84 6.07 6.49 6.82
 Problem Problem Problem
Problem Loans/ Net Problem Loans/ Net Problem Loans/ Net Loans Loans Loans
Total Loans Total Loans Total Loans Growth Growth Growth
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
(%) (%) (%) (%) (%) (%)

SNL_PRO SNL_PRO SNL_PRO

BLEM_LO BLEM_LO BLEM_LO
SNL_PROBLEM_LOAN_ SNL_PROBLEM_LOAN_ SNL_PROBLEM_LOAN_ AN_GRO AN_GRO AN_GRO
TO_NET_TOTAL_LOAN TO_NET_TOTAL_LOAN TO_NET_TOTAL_LOAN WTH WTH WTH
0.3 0.0 0.0
6.47 4.90 4.41 5.8 0.5 21.9
8.13 7.66 7.72 5.5 25.2
4.97 4.92 4.77 0.8 43.9 (0.8)
8.91 8.12 8.24 2.2 14.9

0.00 0.00
25.67 21.48 17.71 11.4 7.8 9.7

7.83 5.91 5.45 142.2 2.7

3.04 3.30 2.37 (0.8) (0.7)
4.03 2.77 2.85 6.8 5.8
6.53 6.25 6.01 (5.0) (4.8)
2.84 1.10 1.15 (6.3) 5.4 (295.6)

4.16 3.63 3.14 13.3 14.1

14.19 11.63 10.89 7.1 (81.9)
3.43 0.53 0.30 (1.4) 6.3
6.95 7.01 6.76 (1.7) (2.9) 5.3
10.23 7.85 6.60 (14.9) (12.2) (8.3)
5.83 5.46 4.81 (24.6) 0.1 (5.3)
8.79 7.72 7.77 (18.4) (0.5)
2.51 2.22 2.13 0.8 7.3 18.6
7.90 5.75 5.34 0.2 27.7 (16.4)
7.17 6.02 5.66 21.0 1.2 6.9
4.88 4.33 3.58 (14.4) 14.4
6.77 5.73 5.03 (0.7) 4.9
5.53 5.00 4.86 (18.7) 3.8
59.36 59.55 57.36 (13.8) (25.1)
7.18 6.12 5.78 (3.2) (7.7)
8.97 7.88 7.63 (0.65) 6.91 (11.25)
6.65 5.74 5.34 0.26 0.34 3.24
Problem Problem Problem Problem
Loans Loans Loans Loans Nonperfor Nonperfor Nonperfor Nonperfor Nonperfor
Growth Growth Growth Growth ming Loans ming Loans ming Loans ming Loans ming Loans
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
(%) (%) (%) (%) ($000) ($000) ($000) ($000) ($000)

SNL_PRO SNL_PRO SNL_PRO SNL_PRO

BLEM_LO BLEM_LO BLEM_LO BLEM_LO
AN_GRO AN_GRO AN_GRO AN_GRO
WTH WTH WTH WTH SNL_NPL SNL_NPL SNL_NPL SNL_NPL SNL_NPL
0.1 0.2 0.0 (0.6) 786 884 923 1,018 1,073
60.2 104.7 45.6 52.4 2,142,794 2,377,854 2,478,217 2,593,195 2,375,844
2.9 14.6 16.2 33.2 349,301 359,580 373,374 390,698
44.6 8.2 32.8 6.1 146,802 164,951 155,126 171,552 162,671
50.0 41.8 35.3 98.6 210,579 218,541 232,545 217,898

0 0 0 0
11.2 11.0 84.2 11.5 23,171 25,362 25,963 27,977 28,688

0.3 77.5 42.2 14.8 237,456 182,816 200,452 211,132

(2.4) 49.8 125.3 (0.7) 20,440 21,376 23,634 25,058
(72.6) 124.7 (1.2) (2.1) 2,120 2,175 2,367 3,048
(122.9) 13.0 31.3 16.1 100,719 106,430 118,896 180,890
(89.4) 545.3 1.5 (9.3) 5,670 6,486 6,679 28,242 38,332

(12.4) 64.5 77.3 130.1 329,288 332,560 354,544 385,691

68.1 58.5 29.3 42.1 330,988 339,386 471,093 424,276
9.1 403.8 0.0 5,236 5,484 5,958 6,140
62.1 5.1 30.8 19.0 1,133,492 1,281,482 1,347,086 1,467,380 1,338,786
206.6 98.2 58.9 4.2 377,326 441,232 474,959 535,363 372,128
21.0 33.2 48.7 60.4 501,737 601,839 627,872 702,281 703,259
154.1 48.7 (10.5) (7.6) 14,935 16,340 18,058 13,739
112.1 62.5 29.1 18.0 2,010,386 2,258,795 2,315,355 2,442,093 2,010,470
69.0 102.7 36.4 (17.2) 354,534 398,976 389,379 448,096 402,784
32.9 62.1 12.3 40.3 2,714,628 2,904,028 3,021,855 3,278,836 3,193,522
53.4 76.7 92.8 33.1 2,436,640 2,638,218 2,810,832 2,613,900
17.5 62.2 59.2 88.0 3,111,219 3,252,561 3,546,439 3,581,041
81.2 59.6 18.8 39.8 2,486,614 2,722,666 2,976,693 2,607,964
15.5 (37.0) 52.6 19.9 127,651 137,964 162,461 164,859
57.3 49.3 28.0 23.8 2,748,974 2,891,675 3,253,956 3,000,040
31.90 69.47 53.11 27.46 855,575.13 850,890.67 891,525.37 972,123.54 905,701.13
26.95 58.50 34.09 18.52 377,326.06 329,287.74 332,559.80 354,544.40 372,127.57
 Loan Loss Loan Loss Loan Loss Loan Loss Loan Loss Loan Loss Loan Loss
Provision/ Provision/ Provision/ Provision/ Provision/ Provision/ Provision/
Avg Gross Avg Gross Avg Gross Avg Gross Avg Gross Avg Gross Avg Gross
Nonperfor Nonperfor Customer Customer Customer Customer Customer Customer Customer
ming Loans ming Loans Loans Loans Loans Loans Loans Loans Loans
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) (%) (%) (%) (%) (%) (%) (%)

SNL_LLP_ SNL_LLP_ SNL_LLP_ SNL_LLP_ SNL_LLP_ SNL_LLP_ SNL_LLP_

TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_
GROSS_C GROSS_C GROSS_C GROSS_C GROSS_C GROSS_C GROSS_C
USTOMER USTOMER USTOMER USTOMER USTOMER USTOMER USTOMER
SNL_NPL SNL_NPL _LOAN _LOAN _LOAN _LOAN _LOAN _LOAN _LOAN
1,046 1,072 0.20 0.07 0.00 0.00 0.26 (0.07) 0.07
1,836,537 1,689,485 3.26 3.29 2.48 4.35 2.72 2.59 2.29
367,652 362,048 1.08 1.62 2.80 0.66 0.45 0.42
155,475 147,226 1.25 1.70 1.62 1.58 1.37 1.86 2.02
192,404 181,159 1.63 2.70 2.36 2.10 3.48 5.06

0 0 0.52 0.28 1.33 1.56

27,228 23,049 1.43 1.46 3.67 1.80 4.07 0.85

172,500 159,896 2.76 2.07 1.89 2.43 1.19 1.67

21,733 16,958 0.71 2.17 0.44 0.67 (0.18) 0.44
2,266 2,329 0.28 0.62 1.18 0.14 0.33 0.16
170,862 162,392 3.59 2.21 3.98 0.22 3.40 0.41
15,819 16,150 4.32 2.45 (0.80) 1.16 0.93 1.02 1.55

323,939 278,176 4.00 3.97 3.49 4.38 4.02 2.72

360,980 344,677 2.09 0.96 3.82 1.82 2.96 2.28
924 471 1.72 0.66 0.77 5.33 8.54 0.92
1,289,145 1,226,465 1.72 2.01 2.00 1.71 1.25 1.61 2.02
291,359 260,245 2.06 2.67 2.24 9.33 2.33 3.30 2.76
633,321 578,583 0.19 1.14 1.35 2.20 1.73 2.17 1.85
11,944 12,568 0.65 0.12 1.59 0.46 1.76 0.81
1,695,800 1,619,896 1.16 2.09 1.16 2.41 1.16 0.70 0.72
312,578 293,560 2.08 2.00 2.47 2.56 3.61 1.78 0.57
2,695,937 2,679,866 2.84 2.33 4.17 3.71 2.96 1.78 2.42
2,139,193 1,779,313 1.98 2.79 1.74 0.93 2.02 1.59
3,022,553 2,698,095 2.89 3.14 2.95 1.72 2.91 3.15
2,213,362 2,166,022 2.29 0.98 5.92 1.85 0.85 1.93
177,143 160,416 (2.87) 3.05 6.35 5.87
2,604,654 2,494,656 3.01 3.86 5.07 2.89 2.96 3.05
768,013.14 716,843.47 1.86 1.77 1.78 2.77 1.86 2.38 1.83
291,359.03 260,244.82 1.72 2.00 1.81 2.39 1.73 1.94 1.76
 Loan Loan Loan Loan Loan Loan Loan
Provision/ Provision/ Provision/ Provision/ Provision/ Provision/ Provision/
Avg Risk- Avg Risk- Avg Risk- Avg Risk- Avg Risk- Avg Risk- Avg Risk-
weighted weighted weighted weighted weighted weighted weighted
Assets Assets Assets Assets Assets Assets Assets
CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 Geograph
(%) (%) (%) (%) (%) (%) (%) y

SNL_LOA SNL_LOA SNL_LOA SNL_LOA SNL_LOA SNL_LOA SNL_LOA

N_PROV_ N_PROV_ N_PROV_ N_PROV_ N_PROV_ N_PROV_ N_PROV_
TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ TO_AVG_ SP_GEOG
RWA RWA RWA RWA RWA RWA RWA RAPHY
0.01 0.00 0.00 0.06 (0.01) 0.01 Europe
2.80 2.58 1.81 3.12 1.92 1.78 1.59 Europe
1.14 1.58 2.55 0.59 0.40 0.36 Europe
1.06 1.31 1.17 1.17 1.03 1.41 1.56 Europe
1.34 2.12 1.85 1.63 2.68 3.98 Europe
Europe
0.12 0.06 0.37 0.56 Europe
1.32 12.65 1.18 2.86 1.43 3.33 0.71 Europe
Europe
2.55 1.83 1.67 2.15 1.06 1.53 Europe
0.42 1.15 0.21 0.31 (0.08) 0.21 Europe
Europe
2.82 1.67 2.95 0.16 2.46 0.30 Europe
2.49 1.19 (0.40) 0.63 0.56 0.61 1.03 Europe
Europe
Europe
5.54 4.90 3.77 4.74 4.33 3.00 Europe
1.35 0.65 2.83 1.34 2.20 1.75 Europe
1.13 0.43 0.50 3.50 5.31 0.55 Europe
1.56 1.68 1.57 1.34 0.98 1.26 1.64 Europe
2.03 2.50 2.10 8.67 2.11 2.98 2.54 Europe
0.18 0.99 1.12 1.82 1.44 1.80 1.58 Europe
0.53 0.11 1.61 0.45 1.64 0.74 Europe
1.16 1.95 1.03 2.20 1.06 0.63 0.65 Europe
2.37 2.02 2.25 2.31 3.24 1.56 0.50 Europe
2.42 1.92 3.34 3.04 2.36 1.39 1.94 Europe
2.07 2.68 1.66 0.89 1.93 1.53 Europe
2.27 2.34 2.16 1.25 2.11 2.32 Europe
2.35 0.92 5.54 1.74 0.80 1.82 Europe
(2.15) (7.79) 23.14 2.17 4.55 4.25 Europe
2.56 3.13 4.05 2.30 2.39 2.49 Europe
1.74 2.03 1.19 3.15 1.54 1.94 1.54
1.79 1.80 1.38 2.18 1.39 1.78 1.56
Back to Index
Entity me Entity ID Country / Region me Industry Classification
SP_ENTITY_ME SP_ENTITY_ID SP_COUNTRY_ME MI_INDUSTRY_CLASSIFICATION
Yapı ve Kredi Bankası AŞ (Best bank) 4150761 Turkey Diversified Commercial Banks
ICBC Turkey Bank AŞ 4186032 Turkey Diversified Commercial Banks
ISIN Industry Classification Primary Industry Company
MI_PRIMARY_IND me, Short
SP_COMPANY_ME_SHOR Exchange
SP_ISIN MI_INDUSTRY_CLASSIFICATION USTRY T SP_EXCHANGE
TRAYKBNK91N6 Diversified Commercial Banks Bank Yapi Kredi IBSE
TRATEKST91N0 Diversified Commercial Banks Bank ICBC Turkey IBSE
 Parent Company MI
MI KEY SPCIQ ID Year Established Parent Company me
SP_YEAR_ESTABLI Key
SP_PARENT_COMPA
SP_COMPANY_ID SP_CIQ_ID SHED SP_PARENT_COMPANY_ME NY_ID
4150761 IQ874601 1944
4186032 IQ20405134 1984 Industrial & Commercial Bank of China Ltd. 4226356
Ultimate Parent Country / Institution
Region
SP_ULT_PARENT_COUNTR Investor Type Company Status Ownership Structure Coverage Level
SP_INSTN_COV_L
Y SP_INVESTOR_TYPE SP_COMPANY_STATUS SP_OWN_STRUCTURE EVEL
Fincial Investor Operating Stock Corporation Full
China Operating Subsidiary Stock Corporation Full
 Has Bank
Has Current Regulatory Has Third Party Net Income Net Income
Fincials? Fincials? Fincials? CQ32020 CQ22020
Consolidation Status Yes/No
SP_CURRENT_FIN Yes/No
SP_BNKREG_FINL Yes/No ($000) ($000)
SP_CONSOLIDATION_STATUS LS S SP_THIRD_FINLS SP_NET_INC SP_NET_INC
Consolidated Yes No No 256,754 193,884
Consolidated Yes No No (1,709) 378
 Net Income Net Income Net Income Net Income Net Income
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) ($000) ($000) ($000)
SP_NET_INC SP_NET_INC SP_NET_INC SP_NET_INC SP_NET_INC
184,973 45,418 172,018 190,693 231,118
15,657 3,234 902 1,830 6,869
 Total Assets Total Assets Total Assets Total Assets Total Assets Total Assets
CQ32020 CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
($000) ($000) ($000) ($000) ($000) ($000)
SP_TOTAL_ASSETS SP_TOTAL_ASSETS SP_TOTAL_ASSETS SP_TOTAL_ASSETS SP_TOTAL_ASSETS SP_TOTAL_ASSETS
63,822,618 64,834,987 66,217,728 69,103,761 70,297,957 70,656,629
3,147,600 3,339,253 3,171,785 3,090,797 3,132,416 2,941,034
 Total Assets Total Equity Total Equity Total Equity Total Equity Total Equity
CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
($000) ($000) ($000) ($000) ($000) ($000)
SP_TOTAL_ASSETS SP_TOTAL_EQUITY SP_TOTAL_EQUITY SP_TOTAL_EQUITY SP_TOTAL_EQUITY SP_TOTAL_EQUITY
69,644,331 6,051,810 6,437,820 6,386,532 6,922,489 7,122,783
3,578,809 182,252 209,061 211,582 223,399 228,414
 Total Equity Total Equity Total Debt/ Total Equity Total Debt/ Total Equity Total Debt/ Total Equity
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
($000) ($000) (x) (x) (x)
SP_TOTAL_EQUITY SP_TOTAL_EQUITY SP_DEBT_TO_EQUITY SP_DEBT_TO_EQUITY SP_DEBT_TO_EQUITY
6,997,945 6,916,730 2.64 2.57
217,649 214,906 7.49 6.13 6.23
Total Debt/ Total Equity Total Debt/ Total Equity Total Debt/ Total Equity Total Debt/ Total Equity ROAA
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
(x) (x) (x) (x) (%)
SP_DEBT_TO_EQUITY SP_DEBT_TO_EQUITY SP_DEBT_TO_EQUITY SP_DEBT_TO_EQUITY SP_ROA
2.66 2.62 2.79 2.66 1.58
4.61 4.35 4.58 6.28 (0.21)
 ROAA ROAA ROAA ROAA ROAA
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
(%) (%) (%) (%) (%)
SP_ROA SP_ROA SP_ROA SP_ROA SP_ROA
1.21 1.07 0.26 0.97 1.12
0.05 1.95 0.42 0.12 0.23
 ROAA ROAE ROAE ROAE ROAE
CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
(%) (%) (%) (%) (%)
SP_ROA SP_ROE SP_ROE SP_ROE SP_ROE
1.30 16.33 12.37 10.87 2.59
0.82 (3.48) 0.74 28.13 5.73
 ROAE ROAE ROAE Total Deposits Total Deposits
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020
(%) (%) (%) ($000) ($000)
SP_ROE SP_ROE SP_ROE SP_TOTAL_DEPOSITS SP_TOTAL_DEPOSITS
9.67 11.25 12.72 34,146,721 35,653,733
1.61 3.47 12.40 1,435,063 1,634,879
 Total Deposits Total Deposits Total Deposits Total Deposits Total Deposits Net Interest Income
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
($000) ($000) ($000) ($000) ($000) ($000)
SP_TOTAL_DEPOSITS SP_TOTAL_DEPOSITS SP_TOTAL_DEPOSITS SP_TOTAL_DEPOSITS SP_TOTAL_DEPOSITS SP_NET_INT_INC
37,632,388 37,982,980 37,973,326 37,921,735 38,131,263 602,416
1,449,631 1,645,319 1,593,091 1,412,002 1,621,398 15,932
Net Interest Income Net Interest Income Net Interest Income Net Interest Income Net Interest Income Net Interest Income
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) ($000) ($000) ($000) ($000)
SP_NET_INT_INC SP_NET_INT_INC SP_NET_INT_INC SP_NET_INT_INC SP_NET_INT_INC SP_NET_INT_INC
604,686 689,404 677,162 719,028 688,333 648,710
13,877 20,147 21,306 13,568 16,335 19,191
 Net Interest Income/ Avg Net Interest Income/ Avg Net Interest Income/ Avg Net Interest Income/ Avg
Assets Assets Assets Assets
CQ32020 CQ22020 CQ12020 CQ42019
SP_NET_INT_INC_TO_AVG (%) SP_NET_INT_INC_TO_AVG(%) SP_NET_INT_INC_TO_AV (%) SP_NET_INT_INC_TO_AV (%)
_ASSETS _ASSETS G_ASSETS G_ASSETS
3.71 3.78 3.98 3.89
1.95 1.74 2.51 2.74
 Net Interest Income/ Avg Net Interest Income/ Avg
Net Interest Income/ Avg Assets Assets Assets Net Interest Margin
CQ32019 CQ22019 CQ12019 CQ32020
(%) SP_NET_INT_INC_TO_AV (%) SP_NET_INT_INC_TO_AV (%) (%)
SP_NET_INT_INC_TO_AVG_ASSETS G_ASSETS G_ASSETS SP_NIM
4.05 4.03 3.64
1.77 2.06 2.29 1.98
Net Interest Margin Net Interest Margin Net Interest Margin Net Interest Margin Net Interest Margin
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
(%) (%) (%) (%) (%)
SP_NIM SP_NIM SP_NIM SP_NIM SP_NIM
4.06 4.26 4.13 4.31 4.26
1.77 2.54 2.77 1.80 2.09
 Tier 1 Common Capital Tier 1 Common Capital Tier 1 Common Capital Tier 1 Common Capital Tier 1 Common Capital
Net Interest Margin (CET1) Ratio (CET1) Ratio (CET1) Ratio (CET1) Ratio (CET1) Ratio
CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
(%) SP_TIER_1_COMMON_ (%) SP_TIER_1_COMMON_ (%) SP_TIER_1_COMMON_ (%) SP_TIER_1_COMMON_ (%) SP_TIER_1_COMMON_ (%)
SP_NIM RATIO RATIO RATIO RATIO RATIO
3.82 13.90 13.63 12.45 12.48 12.45
2.31 8.71 8.58 7.95 7.70 9.09
Tier 1 Common Capital Tier 1 Common Capital
(CET1) Ratio (CET1) Ratio Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
SP_TIER_1_COMMON_ (%) SP_TIER_1_COMMON_ (%) (%) (%) (%) (%)
RATIO RATIO SP_TIER_1_RATIO SP_TIER_1_RATIO SP_TIER_1_RATIO SP_TIER_1_RATIO
11.62 10.97 15.40 15.01 13.70 13.66
9.50 8.26 8.69 8.56 7.93 7.67
 Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio Total Capital Ratio Total Capital Ratio Total Capital Ratio
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
(%) (%) (%) SP_TOTAL_CAPITAL_RA (%) SP_TOTAL_CAPITAL_RA (%) SP_TOTAL_CAPITAL_RA (%)
SP_TIER_1_RATIO SP_TIER_1_RATIO SP_TIER_1_RATIO TIO TIO TIO
13.61 12.77 12.12 18.90 18.14 16.58
9.06 9.46 8.22 24.91 21.94 19.86
 Total Capital Ratio Total Capital Ratio Total Capital Ratio Total Capital Ratio Problem Loans Problem Loans
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020 CQ22020
SP_TOTAL_CAPITAL_RA (%) SP_TOTAL_CAPITAL_RA (%) SP_TOTAL_CAPITAL_RA (%) SP_TOTAL_CAPITAL_RA (%) ($000) ($000)
TIO TIO TIO TIO SP_PROBLEM_LOANS SP_PROBLEM_LOANS
16.74 16.66 15.64 15.00 2,748,974
18.71 21.89 23.85 20.77 5,670 6,486
 Problem Loans/ Gross
Problem Loans Problem Loans Problem Loans Problem Loans Problem Loans Customer Loans
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
($000) ($000) ($000) ($000) ($000) SP_PROBLEM_LOANS_TO (%)
SP_PROBLEM_LOANS SP_PROBLEM_LOANS SP_PROBLEM_LOANS SP_PROBLEM_LOANS SP_PROBLEM_LOANS _CUSTOMER_LOANS
2,891,675 3,253,956 3,000,040 2,604,654 2,494,656
6,679 28,242 38,332 15,819 16,150 0.42
 Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross Problem Loans/ Gross
Customer Loans Customer Loans Customer Loans Customer Loans Customer Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
SP_PROBLEM_LOANS_TO (%) SP_PROBLEM_LOANS_TO (%) SP_PROBLEM_LOANS_TO (%) SP_PROBLEM_LOANS_TO (%) SP_PROBLEM_LOANS_TO (%)
_CUSTOMER_LOANS _CUSTOMER_LOANS _CUSTOMER_LOANS _CUSTOMER_LOANS _CUSTOMER_LOANS
6.55 6.89 7.37 6.71 5.77
0.52 0.53 1.84 2.75 1.07
 Problem Loans/ Gross Loan Loss Reserves/ Loan Loss Reserves/ Loan Loss Reserves/ Loan Loss Reserves/ Loan Loss Reserves/
Customer Loans Problem Loans Problem Loans Problem Loans Problem Loans Problem Loans
CQ12019 CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
SP_PROBLEM_LOANS_TO (%) SP_LLR_PROBLEM_LOA (%) SP_LLR_PROBLEM_LOA (%) SP_LLR_PROBLEM_LOA (%) SP_LLR_PROBLEM_LOA (%) SP_LLR_PROBLEM_LOA (%)
_CUSTOMER_LOANS NS NS NS NS NS
5.43 111.20 101.46 93.86 96.86
1.12 721.36 490.69 411.83 122.49 108.92
 Loan Loss Reserves/ Loan Loss Reserves/
Problem Loans Problem Loans Price/ Book Price/ Book Price/ Book Price/ Book
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020 CQ42019
SP_LLR_PROBLEM_LOA (%) SP_LLR_PROBLEM_LOA (%) (%) (%) (%) (%)
NS NS SP_PBV_PERIOD_END SP_PBV_PERIOD_END SP_PBV_PERIOD_END SP_PBV_PERIOD_END
101.43 110.25 40.78 46.71 38.06 50.86
244.79 230.12 434.78 340.29 252.50 340.94
 Problem Loans, Net of Problem Loans, Net of
Price/ Book Price/ Book Price/ Book Reserves/ Equity Reserves/ Equity
CQ32019 CQ22019 CQ12019 CQ32020 CQ22020
(%) (%) (%) SNL_PROBLEM_LOAN_NE (%) SNL_PROBLEM_LOAN_NET_ (%)
SP_PBV_PERIOD_END SP_PBV_PERIOD_END SP_PBV_PERIOD_END T_OF_RESV_TO_EQUITY OF_RESV_TO_EQUITY
50.63 50.25 46.05 (4.78)
258.77 267.58 262.10 (19.33) (12.12)
 Problem Loans, Net of Problem Loans, Net of Problem Loans, Net of Problem Loans, Net of Problem Loans, Net of
Reserves/ Equity Reserves/ Equity Reserves/ Equity Reserves/ Equity Reserves/ Equity
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
SNL_PROBLEM_LOAN_NET (%) SNL_PROBLEM_LOAN_NE (%) SNL_PROBLEM_LOAN_NET (%) SNL_PROBLEM_LOAN_NE (%) SNL_PROBLEM_LOAN_NE (%)
_OF_RESV_TO_EQUITY T_OF_RESV_TO_EQUITY _OF_RESV_TO_EQUITY T_OF_RESV_TO_EQUITY T_OF_RESV_TO_EQUITY
(0.66) 2.89 1.32 (0.53) (3.70)
(9.84) (2.84) (1.50) (10.52) (9.78)
Problem Loans/ Net Total Problem Loans/ Net Total Problem Loans/ Net Total Problem Loans/ Net Total Problem Loans/ Net Total
Loans Loans Loans Loans Loans
CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_TO_ (%)
O_NET_TOTAL_LOAN O_NET_TOTAL_LOAN O_NET_TOTAL_LOAN O_NET_TOTAL_LOAN NET_TOTAL_LOAN
7.07 7.41 7.92 7.18
0.43 0.53 0.54 1.88 2.84
Problem Loans/ Net Total Problem Loans/ Net Total
Loans Loans Problem Loans Growth Problem Loans Growth Problem Loans Growth
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_T (%) SNL_PROBLEM_LOAN_G
(%) SNL_PROBLEM_LOAN_G
(%) SNL_PROBLEM_LOAN_G
(%)
O_NET_TOTAL_LOAN O_NET_TOTAL_LOAN ROWTH ROWTH ROWTH
6.12 5.78 (3.2) (7.7)
1.10 1.15 (6.3) 5.4 (295.6)
 Problem Loans Growth Problem Loans Growth Problem Loans Growth Problem Loans Growth Nonperforming Loans
CQ42019 CQ32019 CQ22019 CQ12019 CQ32020
SNL_PROBLEM_LOAN_G (%) SNL_PROBLEM_LOAN_GR (%) SNL_PROBLEM_LOAN_GR (%) SNL_PROBLEM_LOAN_GR (%) ($000)
ROWTH OWTH OWTH OWTH SNL_NPL
57.3 49.3 28.0 23.8
(89.4) 545.3 1.5 (9.3) 5,670
Nonperforming Loans Nonperforming Loans Nonperforming Loans Nonperforming Loans Nonperforming Loans Nonperforming Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) ($000) ($000) ($000) ($000)
SNL_NPL SNL_NPL SNL_NPL SNL_NPL SNL_NPL SNL_NPL
2,748,974 2,891,675 3,253,956 3,000,040 2,604,654 2,494,656
6,486 6,679 28,242 38,332 15,819 16,150
Loan Loss Provision/ Avg Loan Loss Provision/ Avg Loan Loss Provision/ Avg Loan Loss Provision/ Avg Loan Loss Provision/ Avg
Gross Customer Loans Gross Customer Loans Gross Customer Loans Gross Customer Loans Gross Customer Loans
CQ32020 CQ22020 CQ12020 CQ42019 CQ32019
SNL_LLP_TO_AVG_GROS (%) SNL_LLP_TO_AVG_GROSS (%) SNL_LLP_TO_AVG_GROS (%) SNL_LLP_TO_AVG_GROSS_ (%) SNL_LLP_TO_AVG_GROSS_ (%)
S_CUSTOMER_LOAN _CUSTOMER_LOAN S_CUSTOMER_LOAN CUSTOMER_LOAN CUSTOMER_LOAN
3.01 3.86 5.07 2.89
4.32 2.45 (0.80) 1.16 0.93
 Loan Loss Provision/ Avg Loan Loss Provision/ Avg Loan Provision/ Avg Risk- Loan Provision/ Avg Risk- Loan Provision/ Avg Risk-
Gross Customer Loans Gross Customer Loans weighted Assets weighted Assets weighted Assets
CQ22019 CQ12019 CQ32020 CQ22020 CQ12020
SNL_LLP_TO_AVG_GROSS_ (%) SNL_LLP_TO_AVG_GROSS_ (%) SNL_LOAN_PROV_TO_AV (%) SNL_LOAN_PROV_TO_AVG (%) SNL_LOAN_PROV_TO_AV (%)
CUSTOMER_LOAN CUSTOMER_LOAN G_RWA _RWA G_RWA
2.96 3.05 2.56 3.13
1.02 1.55 2.49 1.19 (0.40)
 Loan Provision/ Avg Risk- Loan Provision/ Avg Risk- Loan Provision/ Avg Risk- Loan Provision/ Avg Risk-
weighted Assets weighted Assets weighted Assets weighted Assets
CQ42019 CQ32019 CQ22019 CQ12019
SNL_LOAN_PROV_TO_AVG (%) SNL_LOAN_PROV_TO_AVG (%) SNL_LOAN_PROV_TO_AVG (%) SNL_LOAN_PROV_TO_AVG (%) Geography
_RWA _RWA _RWA _RWA SP_GEOGRAPHY
4.05 2.30 2.39 2.49 Europe
0.63 0.56 0.61 1.03 Europe
Back to Index

Tier 1 Tier 1 Tier 1 Tier 1 Tier 1 Tier 1

Ratio Ratio Ratio Ratio Ratio Ratio Total T
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
30.00
(%) (%) (%) (%) (%) (%)
Average 23.17 22.32 23.73 24.44 24.15 20.17 25.00
Median 14.79 13.50 14.01 13.61 12.77 11.87 23.17 23.73
22.32
20.00

15.0014.79
Total Total Total Total Total Total 13.50 14.01
Capital Capital Capital Capital Capital Capital
10.00
Ratio Ratio Ratio Ratio Ratio Ratio
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%) (%) 5.00

Average 27.17 26.22 27.56 28.31 28.00 24.18 0.00

Median 18.29 17.72 17.61 18.11 16.76 15.52 Tier 1 Ratio Tier 1 Ratio Tier 1 Rati
CQ22020 CQ12020 CQ42019
(%) (%) (%)

Aver

Total C
30.00
27.17 27.56
25.00 26.22

20.00
18.29 17.72 17.61
15.00

10.00

5.00

0.00
Total Capital Total Capital Total Capi
Ratio Ratio Ratio
CQ22020 CQ12020 CQ42019
(%) (%) (%)

Aver
 Total Tier 1 Ratio

23.73 24.44 24.15

22.32
20.17

13.50 14.01 13.61 12.77 11.87

atio Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio Tier 1 Ratio
0 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%)

Average Median

Total Capital Ratio

7 27.56 28.31 28.00
26.22
24.18

9 17.72 17.61 18.11

16.76
15.52

pital Total Capital Total Capital Total Capital Total Capital Total Capital
Ratio Ratio Ratio Ratio Ratio
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%)

Average Median
Back to Index

Problem Problem Problem Problem Problem

Loans/ Loans/ Loans/ Loans/ Loans/
Gross Gross Gross Gross Gross
Customer Customer Customer Customer Customer
Loans Loans Loans Loans Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
Problem loans = non performing loans (%) (%) (%) (%) (%)
Average 7.53 7.79 8.16 7.97 6.93
Median 5.71 6.14 6.46 6.28 5.48

LLR/ LLR/ LLR/ LLR/ LLR/

Problem Problem Problem Problem Problem
Loans Loans Loans Loans Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019
(%) (%) (%) (%) (%)
Average 117.09 107.07 90.53 92.88 125.13
Median 98.16 91.21 85.16 90.78 101.15
 Problem Problem Loans/Gross Customer Loans
Loans/ 9.00
Gross
Customer 8.00 8.16 7.97
7.53 7.79
Loans 7.00 6.93
CQ12019 6.46 6.69
6.14 6.28
(%) 6.00
5.71 5.48
6.69 5.00 5.12
5.12 4.00
3.00
2.00

LLR/ 1.00
Problem 0.00
Loans Problem Loans/ Problem Loans/ Problem Loans/ Problem Loans/ Problem Loans/ Problem Loans/
CQ12019 Gross Customer Gross Customer Gross Customer Gross Customer Gross Customer Gross Customer
(%) Loans Loans Loans Loans Loans Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
128.94 (%) (%) (%) (%) (%) (%)
101.43
Average Median

LLR/Problem Loans
140.00
128.94
125.13
120.00
117.09
107.07
100.0098.16 101.15 101.43
91.21 90.53 92.88
90.78
85.16
80.00

60.00

40.00

20.00

0.00
LLR/ Problem Loans LLR/ Problem Loans LLR/ Problem Loans LLR/ Problem Loans LLR/ Problem Loans LLR/ Problem Loans
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%) (%)

Average Median
ns

93 6.69

48
5.12

Loans/ Problem Loans/

ustomer Gross Customer
Loans
9 CQ12019
(%)

128.94
13

15 101.43

m Loans LLR/ Problem Loans

CQ12019
(%)
Back to Index
ROAA ROAA ROAA ROAA ROAA ROAA
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 R
(%) (%) (%) (%) (%) (%)
2.00
Average 0.46 1.76 0.60 1.61 1.14 1.71
1.80 1.76
Median 1.15 1.30 1.18 0.97 1.02 1.11 1.60
1.40
1.30
1.201.15 1.18
1.00
0.80
0.60 0.60
0.400.46
0.20
0.00
ROAA ROAA ROAA
CQ22020 CQ12020 CQ42019
(%) (%) (%)

Aver
 ROAA

1.76 1.71
1.61

1.30
1.18 1.14 1.11
0.97 1.02

0.60

ROAA ROAA ROAA ROAA ROAA

0 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%)

Average Median
Back to Index

Net Net Net Net Net Net

Interest Interest Interest Interest Interest Interest
Net Inte
Margin Margin Margin Margin Margin Margin 6.00
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
5.00 4.90 5.02
4.97
(%) (%) (%) (%) (%) (%) 4.56
4.51 4.63
Average 4.51 4.90 5.02 5.49 5.15 4.92 4.00
Median 4.56 4.63 4.97 4.41 4.39 3.99
3.00

2.00

1.00
ROAE ROAE ROAE ROAE ROAE ROAE
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019 0.00
(%) (%) (%) (%) (%) (%) Net Interest Net Interest Net Inter
Average 7.64 13.91 (9.86) 5.92 4.77 7.77 Margin Margin Margin
CQ22020 CQ12020 CQ42019
Median 7.72 10.87 9.40 9.67 9.61 10.88 (%) (%) (%)

Ave

R
20.00

15.00
13.91
10.00 10.87
9.4
7.72
7.64
5.00

0.00
ROAE ROAE ROAE
CQ22020
(5.00) CQ12020 CQ42
(%) (%) (%)
(10.00) (9.8

(15.00)

Ave
 Net Interest Margin
5.49
5.02
4.97 5.15
4.90 4.92
4.63 4.41 4.39
3.99

est Net Interest Net Interest Net Interest Net Interest Net Interest
Margin Margin Margin Margin Margin
CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%)

Average Median

ROAE

13.91
10.87 10.88
9.40 9.67 9.61
2
4 7.77
5.92
4.77

E ROAE ROAE ROAE ROAE ROAE

020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
(%) (%) (%) (%) (%)
(9.86)

Average Median
Back to Index
Total Deposits Total Deposits Total Deposits Total Deposits Total Deposits Total Deposits
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) ($000) ($000) ($000) ($000)
Average 16,018,538.93 15,228,478.29 15,412,748.80 14,990,449.23 14,177,321.04 14,618,694.54
Median 3,680,842.26 3,560,655.48 3,916,582.58 4,041,658.70 4,064,133.57 4,135,603.10

Total Assets Total Assets Total Assets Total Assets Total Assets Total Assets
CQ22020 CQ12020 CQ42019 CQ32019 CQ22019 CQ12019
($000) ($000) ($000) ($000) ($000) ($000)
Average 26,443,607.06 25,154,564.56 25,580,862.76 25,641,877.21 24,859,001.84 25,789,285.24
Median 5,236,761.55 4,981,223.11 5,489,939.84 5,622,670.49 5,632,790.78 5,752,585.99

Total loans Total loans Total loans CQ4 Total loans CQ3 Total loans CQ2 Total loans CQ1
CQ2020 CQ12020 2019 2019 2019 2019
Average 12,152,543.76 12,335,305.26 12,891,520.91 12,268,670.66 11,854,561.91 11,430,328.33
Median 6,099,412.98 5,753,166.71 5,845,827.89 6,296,268.73 5,611,999.90 5,345,632.24

Total Total Total Total Total Total

deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total
assets Q2 2020 assets Q1 2020 assets Q4 2019 assets Q3 2019 assets Q2 2019 assets Q1 2019
Average 0.61 0.61 0.60 0.58 0.57 0.57
Median 0.70 0.71 0.71 0.72 0.72 0.72

Total Total Total Total Total Total

deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total
loans Q2 2020 loans Q1 2020 loans Q4 2019 loans Q3 2019 loans Q2 2019 loans Q1 2019
Average 1.32 1.23 1.20 1.22 1.20 1.28
Median 2.63 2.65 2.64 2.38 2.53 2.73
 Total Deposits/Total Assets
0.80

0.700.70 0.71 0.71 0.72 0.72 0.72

0.600.61 0.61 0.60 0.58 0.57 0.57

0.50

0.40

0.30

0.20

0.10

0.00
Total Total Total Total Total Total
deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total
assets Q2 2020 assets Q1 2020 assets Q4 2019 assets Q3 2019 assets Q2 2019 assets Q1 2019
Average Median

Total Deposits/Total Loans

3.00
2.65 2.73
2.63 2.64
2.50 2.53
2.38

2.00

1.50
1.32 1.23 1.28
1.20 1.22 1.20
1.00

0.50

0.00
Total Total Total Total Total Total
deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total deposits/Total
loans Q2 2020 loans Q1 2020 loans Q4 2019 loans Q3 2019 loans Q2 2019 loans Q1 2019
Average Median
 0.72

0.57

Total
deposits/Total
9 assets Q1 2019

2.73

1.28

Total
l deposits/Total
loans Q1 2019
Back to Index

Double click on the

word document to
view CAMEL Document
interpretation
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Ownership Summary Yapi ve Kredi Bankasi AS

Type Common Stock Equivalent Held % OS Market Value

Institutions 677385213 8.02 1971.2
Corporations (Public) 5910673245 69.97 17200.1
Public & Other 1858992826 22.01 5409.7
Total 8447051284 100 24580.9

Top Holders

Holder Common Stock Equivalent Held % OS Market Value

Koç Holding A.S. 4221262985 49.97 12283.9
UniCredit SpA 1,689,410,26 20 4916.2
Ninety One UK Ltd. 83611152 0.99 243.3
BlackRock Inc. 77860175 0.92 226.6
Ziraat Portföy Yönetimi AS 67424957 0.8 196.2

Ownership Summary ICBC Turkey Bank

Type Common Stock Equivalent Held % OS Market Value

Institutions 12741 0 0.1
Corporations (Public) 798428227 92.84 5237.7
Public & Other 61559032 7.16 403.8
Total 860000000 100 5641.6

Top Holders

Holder Common Stock Equivalent Held % OS Market Value

Industrial & Commercial Bank of China Ltd. 798428227 92.84 5237.7
Ak Asset Management AS 12738 0 0.1
Fiba Portföy Yönetimi AŞ 1 0 0
Fibabanka AŞ 1 0 0
Actus Portfoy Yonetimi A.S. 1 0 0
Back to Index
Best Bank Yapı ve Kredi Bankası AŞ
Quarter 2019 FQ1 2019 FQ2 2019 FQ3 2019 FQ4 2020 FQ1
ROAA (%) 1.30 1.12 0.97 0.26 1.07

Yapi ve Kredi Bankasi is one of the first n

commercial banks in Turkey, and is the f
ROAA (%) largest publicly owned bank in Turkey by
size. This is reflected by the ROA trendso
1.80
past few quarters. At Q3 2020, the bank
1.60 1.58 with an ROA of 1.58%. This implies that
1.40 dollar of assets they control, they earn 1
1.30 dollars. While this banks' ROA is conside
1.20 1.21
1.12 1.07 (ideal ROA=5%), it is the highest in Turke
1.00 0.97 bank was able to implement sound asse
0.80 management strategies to achieve this.
0.60 saw a 20% (over 1 year) growth rate in t
0.40 revenue, which was close to their asset
0.26 rate over a year (24.1% increase).
0.20
0.00
2019 FQ1 2019 FQ2 2019 FQ3 2019 FQ4 2020 FQ1 2020 FQ2 2020 FQ3

ROAA (%)

Worst Bank ICBC Turkey Bank AS

Quarter 2019 FQ1 2019 FQ2 2019 FQ3 2019 FQ4 2020 FQ1
ROAA (%) 0.8 0.2 0.1 0.4 1.9

Adabank AŞ was founded in 1986 and is

headquartered in Istanbul, Turkey. The b
ROAA (%) the worst ROA in Q3 of 2020 at 0.2%. Th
that for every dollar of assets they own,
2
1.9 only $0.2 dollars on it, which is far from
1.8 5% ratio. Even though the bank had a st
1.6 growth in its assets, the revenue genera
1.4 plunged from Q1 to Q3 of 2020 (as depi
1.2 graph). We can understand that the asse
1 that they invested in are unproductive.
0.8 0.8
0.6
0.4 0.4
0.2 0.2 0.2
0.1
0 0
2019 FQ1 2019 FQ2 2019 FQ3 2019 FQ4 2020 FQ1 2020 FQ2 2020 FQ3

ROAA (%)
 2020 FQ2 2020 FQ3
1.21 1.58

ve Kredi Bankasi is one of the first nationwide

mercial banks in Turkey, and is the fourth
st publicly owned bank in Turkey by its asset
This is reflected by the ROA trendsover the
ew quarters. At Q3 2020, the bank stands
an ROA of 1.58%. This implies that for every
r of assets they control, they earn 1.58
rs. While this banks' ROA is considerably low
ROA=5%), it is the highest in Turkey. The
was able to implement sound asset liability
gement strategies to achieve this. They also
20% (over 1 year) growth rate in total
nue, which was close to their asset growth
over a year (24.1% increase).

2020 FQ2 2020 FQ3

0 0.2

ank AŞ was founded in 1986 and is

quartered in Istanbul, Turkey. The bank holds
orst ROA in Q3 of 2020 at 0.2%. This implies
or every dollar of assets they own, they earn
$0.2 dollars on it, which is far from the ideal
tio. Even though the bank had a steady
th in its assets, the revenue generated
ed from Q1 to Q3 of 2020 (as depicted in the
h). We can understand that the assets
hey invested in are unproductive.
Back to Index
Yapı ve Kredi Bankası AŞ 2019 FQ1
Total debt/total equity 2.55

The total debt to equity ratio was high during the first 2 quarters of
2019. However, during the 3rd fiscal quarter it dropped and was
relatively stable till the first fiscal quarter of 2020. From the second
quarter of 2020 this ratio increased mainly because of COVID-19 since
the bank may have borrowed more money to ensure it remains liquid
and can meet any requests for loans that will be taken out.

2019 Q1
ICBC Turkey Bank AŞ
Total debt/total equity 6.28

The total debt to equity ratio was high during the first quarter of 2019.
However, during the 2nd fiscal quarter it dropped and was relatively
stable till the third fiscal quarter of 2019. From the fourth quarter of
2019 this ratio increased mainly because of covid-19 since the bank
may have borrowed more money to ensure it remains liquid and can
meet any requests for loans that will be taken out.
2019 FQ2 2019 FQ3
2.68 2.53

2019 Q2 2019 Q3
4.58 4.35
2019 FQ4 2020 FQ1
2.51 2.52

2019 Q4 2020 Q1
4.61 6.23
2020 FQ2
2.58 Total debt/total equity
2.70
2.68
2.65

2.60

2.552.55
2020 Q2 2.53
2.51 2.5
6.13 2.50

2.45

2.40
2019 FQ1 2019 FQ2 2019 FQ3 2019 FQ4 2020

Total debt/total equity

bt/total equity Total debt/total equity
7.00
6.28
6.00

5.00
4.58 4.61
4.35
2.58 4.00

3.00
2.51 2.52
2.00

1.00

0.00
2019 Q1 2019 Q2 2019 Q3 2019 Q4 2
Q3 2019 FQ4 2020 FQ1 2020 FQ2

Total debt/total equity Total debt/total equity

ebt/total equity

6.23 6.13

4.61

Q3 2019 Q4 2020 Q1 2020 Q2

Total debt/total equity

Back to Index
Pricing Date Yapı ve Kredi Bankası AŞ (daily price)
9/30/2020 0.28 Yapı ve Kredi Bankası AŞ (daily price)
0.60

0.50
9/29/2020 0.26
9/28/2020 0.27 0.40
9/25/2020 0.28
9/24/2020 0.28 0.30
9/23/2020 0.26
0.20
9/22/2020 0.26
9/21/2020 0.26
0.10
9/18/2020 0.27
9/17/2020 0.27 0.00
9/16/2020 0.27 12/31/2019 3/2/2020 5/2/2020 7/2/2020
9/15/2020 0.27
9/14/2020 0.27
9/11/2020 0.27
9/10/2020 0.28
9/9/2020 0.27
9/8/2020 0.27
9/7/2020 0.27
9/4/2020 0.27
9/3/2020 0.27
9/2/2020 0.28
9/1/2020 0.28
8/31/2020 0.28
8/28/2020 0.28
8/27/2020 0.28
8/26/2020 0.28
8/25/2020 0.28
8/24/2020 0.29
8/21/2020 0.29
8/20/2020 0.29
8/19/2020 0.30
8/18/2020 0.29
8/17/2020 0.28
8/14/2020 0.28
8/13/2020 0.29
8/12/2020 0.29
8/11/2020 0.30
8/10/2020 0.28
8/7/2020 0.28
8/6/2020 0.28
8/5/2020 0.30
8/4/2020 0.30
7/30/2020 0.31
7/29/2020 0.31
7/28/2020 0.32
7/27/2020 0.34
7/24/2020 0.34
7/23/2020 0.34
7/22/2020 0.34
7/21/2020 0.34
7/20/2020 0.34
7/17/2020 0.34
7/16/2020 0.35
7/14/2020 0.34
7/13/2020 0.35
7/10/2020 0.33
7/9/2020 0.34
7/8/2020 0.35
7/7/2020 0.35
7/6/2020 0.35
7/3/2020 0.34
7/2/2020 0.35
7/1/2020 0.35
6/30/2020 0.36
6/29/2020 0.36
6/26/2020 0.35
6/25/2020 0.35
6/24/2020 0.34
6/23/2020 0.35
6/22/2020 0.36
6/19/2020 0.35
6/18/2020 0.34
6/17/2020 0.34
6/16/2020 0.34
6/15/2020 0.34
6/12/2020 0.35
6/11/2020 0.35
6/10/2020 0.35
6/9/2020 0.35
6/8/2020 0.36
6/5/2020 0.36
6/4/2020 0.36
6/3/2020 0.36
6/2/2020 0.36
6/1/2020 0.35
5/29/2020 0.34
5/28/2020 0.33
5/27/2020 0.33
5/22/2020 0.32
5/21/2020 0.32
5/20/2020 0.32
5/18/2020 0.32
5/15/2020 0.31
5/14/2020 0.31
5/13/2020 0.31
5/12/2020 0.31
5/11/2020 0.30
5/8/2020 0.30
5/7/2020 0.30
5/6/2020 0.29
5/5/2020 0.29
5/4/2020 0.29
4/30/2020 0.30
4/29/2020 0.31
4/28/2020 0.30
4/27/2020 0.30
4/24/2020 0.29
4/22/2020 0.29
4/21/2020 0.28
4/20/2020 0.29
4/17/2020 0.29
4/16/2020 0.28
4/15/2020 0.28
4/14/2020 0.30
4/13/2020 0.30
4/10/2020 0.31
4/9/2020 0.31
4/8/2020 0.28
4/7/2020 0.28
4/6/2020 0.28
4/3/2020 0.27
4/2/2020 0.28
4/1/2020 0.28
3/31/2020 0.29
3/30/2020 0.28
3/27/2020 0.29
3/26/2020 0.30
3/25/2020 0.29
3/24/2020 0.29
3/23/2020 0.27
3/20/2020 0.29
3/19/2020 0.29
3/18/2020 0.31
3/17/2020 0.32
3/16/2020 0.32
3/13/2020 0.35
3/12/2020 0.34
3/11/2020 0.37
3/10/2020 0.37
3/9/2020 0.37
3/6/2020 0.40
3/5/2020 0.42
3/4/2020 0.42
3/3/2020 0.42
3/2/2020 0.38
2/28/2020 0.37
2/27/2020 0.40
2/26/2020 0.42
2/25/2020 0.42
2/24/2020 0.42
2/21/2020 0.43
2/20/2020 0.42
2/19/2020 0.45
2/18/2020 0.46
2/17/2020 0.47
2/14/2020 0.47
2/13/2020 0.47
2/12/2020 0.48
2/11/2020 0.50
2/10/2020 0.52
2/7/2020 0.52
2/6/2020 0.53
2/5/2020 0.50
2/4/2020 0.51
2/3/2020 0.49
1/31/2020 0.50
1/30/2020 0.51
1/29/2020 0.50
1/28/2020 0.52
1/27/2020 0.51
1/24/2020 0.52
1/23/2020 0.51
1/22/2020 0.51
1/21/2020 0.51
1/20/2020 0.50
1/17/2020 0.50
1/16/2020 0.48
1/15/2020 0.47
1/14/2020 0.47
1/13/2020 0.47
1/10/2020 0.46
1/9/2020 0.43
1/8/2020 0.41
 1/7/2020 0.40
1/6/2020 0.40
1/3/2020 0.41
1/2/2020 0.42
12/31/2019 0.42

Pricing Date ICBC-Share Price (Daily)($)

9/30/2020 0.92 ICBC-Share Price (Daily)($)
9/29/2020 0.90
1.40

1.20
9/28/2020 0.90
9/25/2020 0.95 1.00
9/24/2020 0.97
0.80
9/23/2020 0.96
9/22/2020 0.87
0.60
9/21/2020 0.86
9/18/2020 0.95 0.40
9/17/2020 1.00
9/16/2020 1.01 0.20
9/15/2020 1.03
9/14/2020 1.02 0.00
1/2/2019 4/2/2019 7/2/2019 10/2/2019 1/2/2020 4/2/2020
9/11/2020 1.01
9/10/2020 0.99
9/9/2020 1.04
9/8/2020 1.11
9/7/2020 1.04
9/4/2020 1.03
9/3/2020 1.06
9/2/2020 1.02
9/1/2020 1.06
8/31/2020 1.06
8/28/2020 0.97
8/27/2020 0.87
8/26/2020 0.86
8/25/2020 0.90
8/24/2020 0.85
8/21/2020 0.78
8/20/2020 0.81
8/19/2020 0.74
8/18/2020 0.73
8/17/2020 0.72
8/14/2020 0.70
8/13/2020 0.72
8/12/2020 0.74
8/11/2020 0.76
8/10/2020 0.73
 8/7/2020 0.73
8/6/2020 0.71
8/5/2020 0.74
8/4/2020 0.74
7/30/2020 0.78
7/29/2020 0.76
7/28/2020 0.78
7/27/2020 0.85
7/24/2020 0.88
7/23/2020 0.91
7/22/2020 0.90
7/21/2020 0.85
7/20/2020 0.84
7/17/2020 0.83
7/16/2020 0.81
7/14/2020 0.80
7/13/2020 0.81
7/10/2020 0.78
7/9/2020 0.79
7/8/2020 0.82
7/7/2020 0.83
7/6/2020 0.83
7/3/2020 0.82
7/2/2020 0.84
7/1/2020 0.83
6/30/2020 0.83
6/29/2020 0.82
6/26/2020 0.80
6/25/2020 0.79
6/24/2020 0.79
6/23/2020 0.81
6/22/2020 0.82
6/19/2020 0.83
6/18/2020 0.81
6/17/2020 0.83
6/16/2020 0.85
6/15/2020 0.77
6/12/2020 0.75
6/11/2020 0.75
6/10/2020 0.72
6/9/2020 0.71
6/8/2020 0.70
6/5/2020 0.70
6/4/2020 0.71
6/3/2020 0.72
6/2/2020 0.70
6/1/2020 0.69
5/29/2020 0.67
5/28/2020 0.67
5/27/2020 0.67
5/22/2020 0.66
5/21/2020 0.66
5/20/2020 0.67
5/18/2020 0.65
5/15/2020 0.64
5/14/2020 0.64
5/13/2020 0.66
5/12/2020 0.66
5/11/2020 0.61
5/8/2020 0.59
5/7/2020 0.59
5/6/2020 0.58
5/5/2020 0.59
5/4/2020 0.59
4/30/2020 0.62
4/29/2020 0.63
4/28/2020 0.62
4/27/2020 0.63
4/24/2020 0.60
4/22/2020 0.59
4/21/2020 0.59
4/20/2020 0.61
4/17/2020 0.60
4/16/2020 0.60
4/15/2020 0.60
4/14/2020 0.65
4/13/2020 0.65
4/10/2020 0.65
4/9/2020 0.66
4/8/2020 0.63
4/7/2020 0.62
4/6/2020 0.61
4/3/2020 0.58
4/2/2020 0.59
4/1/2020 0.61
3/31/2020 0.62
3/30/2020 0.56
3/27/2020 0.52
3/26/2020 0.52
3/25/2020 0.48
3/24/2020 0.48
3/23/2020 0.44
3/20/2020 0.46
3/19/2020 0.45
3/18/2020 0.46
3/17/2020 0.47
3/16/2020 0.47
3/13/2020 0.53
3/12/2020 0.51
3/11/2020 0.59
3/10/2020 0.60
3/9/2020 0.63
3/6/2020 0.70
3/5/2020 0.73
3/4/2020 0.73
3/3/2020 0.75
3/2/2020 0.71
2/28/2020 0.69
2/27/2020 0.74
2/26/2020 0.80
2/25/2020 0.80
2/24/2020 0.79
2/21/2020 0.80
2/20/2020 0.79
2/19/2020 0.87
2/18/2020 0.90
2/17/2020 0.92
2/14/2020 0.90
2/13/2020 0.89
2/12/2020 0.89
2/11/2020 0.89
2/10/2020 0.88
2/7/2020 0.93
2/6/2020 0.96
2/5/2020 0.95
2/4/2020 0.94
2/3/2020 0.93
1/31/2020 0.94
1/30/2020 0.95
1/29/2020 0.97
1/28/2020 0.97
1/27/2020 0.96
1/24/2020 0.97
1/23/2020 0.98
1/22/2020 1.03
1/21/2020 0.89
1/20/2020 0.90
1/17/2020 0.89
1/16/2020 0.91
1/15/2020 0.90
1/14/2020 0.91
 1/13/2020 0.91
1/10/2020 0.89
1/9/2020 0.88
1/8/2020 0.81
1/7/2020 0.83
1/6/2020 0.81
1/3/2020 0.85
1/2/2020 0.89
12/31/2019 0.89
12/30/2019 0.90
12/27/2019 0.89
12/26/2019 0.91
12/25/2019 0.90
12/24/2019 0.86
12/23/2019 0.84
12/20/2019 0.83
12/19/2019 0.81
12/18/2019 0.82
12/17/2019 0.84
12/16/2019 0.85
12/13/2019 0.84
12/12/2019 0.84
12/11/2019 0.81
12/10/2019 0.83
12/9/2019 0.85
12/6/2019 0.87
12/5/2019 0.89
12/4/2019 0.88
12/3/2019 0.87
12/2/2019 0.87
11/29/2019 0.86
11/28/2019 0.87
11/27/2019 0.86
11/26/2019 0.86
11/25/2019 0.88
11/22/2019 0.85
11/21/2019 0.84
11/20/2019 0.84
11/19/2019 0.84
11/18/2019 0.84
11/15/2019 0.82
11/14/2019 0.81
11/13/2019 0.82
11/12/2019 0.80
11/11/2019 0.81
11/8/2019 0.83
11/7/2019 0.78
 11/6/2019 0.75
11/5/2019 0.75
11/4/2019 0.75
11/1/2019 0.73
10/31/2019 0.75
10/30/2019 0.75
10/28/2019 0.76
10/25/2019 0.74
10/24/2019 0.75
10/23/2019 0.75
10/22/2019 0.71
10/21/2019 0.70
10/18/2019 0.71
10/17/2019 0.68
10/16/2019 0.65
10/15/2019 0.66
10/14/2019 0.64
10/11/2019 0.70
10/10/2019 0.71
10/9/2019 0.68
10/8/2019 0.71
10/7/2019 0.74
10/4/2019 0.75
10/3/2019 0.65
10/2/2019 0.66
10/1/2019 0.66
9/30/2019 0.69
9/27/2019 0.66
9/26/2019 0.65
9/25/2019 0.65
9/24/2019 0.65
9/23/2019 0.64
9/20/2019 0.63
9/19/2019 0.64
9/18/2019 0.64
9/17/2019 0.65
9/16/2019 0.65
9/13/2019 0.66
9/12/2019 0.66
9/11/2019 0.67
9/10/2019 0.64
9/9/2019 0.63
9/6/2019 0.62
9/5/2019 0.64
9/4/2019 0.65
9/3/2019 0.61
9/2/2019 0.60
8/29/2019 0.58
8/28/2019 0.58
8/27/2019 0.58
8/26/2019 0.58
8/23/2019 0.58
8/22/2019 0.57
8/21/2019 0.57
8/20/2019 0.59
8/19/2019 0.59
8/16/2019 0.57
8/15/2019 0.57
8/9/2019 0.59
8/8/2019 0.59
8/7/2019 0.58
8/6/2019 0.60
8/5/2019 0.60
8/2/2019 0.60
8/1/2019 0.61
7/31/2019 0.62
7/30/2019 0.63
7/29/2019 0.63
7/26/2019 0.62
7/25/2019 0.61
7/24/2019 0.62
7/23/2019 0.62
7/22/2019 0.63
7/19/2019 0.64
7/18/2019 0.64
7/17/2019 0.64
7/16/2019 0.62
7/12/2019 0.57
7/11/2019 0.60
7/10/2019 0.60
7/9/2019 0.58
7/8/2019 0.62
7/5/2019 0.64
7/4/2019 0.64
7/3/2019 0.72
7/2/2019 0.90
7/1/2019 0.82
6/28/2019 0.68
6/27/2019 0.65
6/26/2019 0.57
6/25/2019 0.57
6/24/2019 0.55
6/21/2019 0.54
6/20/2019 0.55
6/19/2019 0.56
6/18/2019 0.55
6/17/2019 0.53
6/14/2019 0.52
6/13/2019 0.53
6/12/2019 0.57
6/11/2019 0.57
6/10/2019 0.58
6/7/2019 0.58
6/3/2019 0.56
5/31/2019 0.57
5/30/2019 0.54
5/29/2019 0.46
5/28/2019 0.45
5/27/2019 0.44
5/24/2019 0.44
5/23/2019 0.43
5/22/2019 0.44
5/21/2019 0.48
5/20/2019 0.49
5/17/2019 0.48
5/16/2019 0.48
5/15/2019 0.49
5/14/2019 0.50
5/13/2019 0.49
5/10/2019 0.51
5/9/2019 0.50
5/8/2019 0.51
5/7/2019 0.52
5/6/2019 0.53
5/3/2019 0.56
5/2/2019 0.56
4/30/2019 0.57
4/29/2019 0.57
4/26/2019 0.59
4/25/2019 0.59
4/24/2019 0.61
4/22/2019 0.61
4/19/2019 0.62
4/18/2019 0.63
4/17/2019 0.64
4/16/2019 0.63
4/15/2019 0.63
4/12/2019 0.62
4/11/2019 0.63
4/10/2019 0.64
4/9/2019 0.65
 4/8/2019 0.64
4/5/2019 0.66
4/4/2019 0.67
4/3/2019 0.65
4/2/2019 0.65
4/1/2019 0.68
3/29/2019 0.65
3/28/2019 0.65
3/27/2019 0.68
3/26/2019 0.71
3/25/2019 0.69
3/22/2019 0.68
3/21/2019 0.75
3/20/2019 0.76
3/19/2019 0.74
3/18/2019 0.74
3/15/2019 0.74
3/14/2019 0.73
3/13/2019 0.72
3/12/2019 0.73
3/11/2019 0.73
3/8/2019 0.71
3/7/2019 0.72
3/6/2019 0.75
3/5/2019 0.75
3/4/2019 0.76
3/1/2019 0.76
2/28/2019 0.77
2/27/2019 0.77
2/26/2019 0.78
2/25/2019 0.78
2/22/2019 0.78
2/21/2019 0.77
2/20/2019 0.77
2/19/2019 0.78
2/18/2019 0.77
2/15/2019 0.79
2/14/2019 0.77
2/13/2019 0.78
2/12/2019 0.79
2/11/2019 0.80
2/8/2019 0.80
2/7/2019 0.80
2/6/2019 0.80
2/5/2019 0.82
2/4/2019 0.83
2/1/2019 0.77
1/31/2019 0.80
1/30/2019 0.82
1/29/2019 0.98
1/28/2019 1.22
1/25/2019 1.18
1/24/2019 1.16
1/23/2019 1.12
1/22/2019 1.08
1/21/2019 1.05
1/18/2019 1.02
1/17/2019 1.00
1/16/2019 0.98
1/15/2019 0.95
1/14/2019 0.92
1/11/2019 0.90
1/10/2019 0.93
1/9/2019 0.91
1/8/2019 0.87
1/7/2019 0.88
1/4/2019 0.88
1/3/2019 0.84
1/2/2019 0.89
 Back to Index
ası AŞ (daily price)

020 7/2/2020 9/2/2020

Price (Daily)($)

19 1/2/2020 4/2/2020 7/2/2020

From the second month of 2020 the share price began to fall and from then onwards it was stable at the same level.
Similarly, in the month of August it fell even further and stayed at the same level. This is understandable because of the
impact of COVID-19. Furthermore, we can link this with the capital structure where more debt was used in relation to
equity (investors confidence in this bank fell, which led to less equity).
In the fourth month of 2020 the share price was at its lowest. Nonetheless, the share price increased during the fifth
month and kept increasing until the third quarter of 2020. Overall, in terms of share price the worst bank outperforms
the best bank.
Back to Index

Yapı ve Kredi Bankası AŞ | Stock Chart

IBSE:YKBNK (MI Key: 4150761; SPCIQ Key: 874601)

Entities: Yapı ve Kredi Bankası AŞ

Metrics: Share Price
SERIES NAME CATEGORY HIGH LOW AVERAGE
YKBNK-Share Price (Daily) Market Data 0.53 0.26 0.35

Pricing Date YKBNK-Share Price (Daily)($)

9/30/2020 0.28
9/29/2020 0.26
9/28/2020 0.27
9/25/2020 0.28
9/24/2020 0.28
9/23/2020 0.26
9/22/2020 0.26
9/21/2020 0.26
9/18/2020 0.27
9/17/2020 0.27
9/16/2020 0.27
9/15/2020 0.27
9/14/2020 0.27
9/11/2020 0.27
9/10/2020 0.28
9/9/2020 0.27
9/8/2020 0.27
9/7/2020 0.27
9/4/2020 0.27
9/3/2020 0.27
9/2/2020 0.28
9/1/2020 0.28
8/31/2020 0.28
8/28/2020 0.28
8/27/2020 0.28
8/26/2020 0.28
8/25/2020 0.28
8/24/2020 0.29
8/21/2020 0.29
8/20/2020 0.29
8/19/2020 0.30
8/18/2020 0.29
8/17/2020 0.28
8/14/2020 0.28
8/13/2020 0.29
8/12/2020 0.29
8/11/2020 0.30
8/10/2020 0.28
8/7/2020 0.28
8/6/2020 0.28
8/5/2020 0.30
8/4/2020 0.30
7/30/2020 0.31
7/29/2020 0.31
7/28/2020 0.32
7/27/2020 0.34
7/24/2020 0.34
7/23/2020 0.34
7/22/2020 0.34
7/21/2020 0.34
7/20/2020 0.34
7/17/2020 0.34
7/16/2020 0.35
7/14/2020 0.34
7/13/2020 0.35
7/10/2020 0.33
7/9/2020 0.34
7/8/2020 0.35
7/7/2020 0.35
7/6/2020 0.35
7/3/2020 0.34
7/2/2020 0.35
7/1/2020 0.35
6/30/2020 0.36
6/29/2020 0.36
6/26/2020 0.35
6/25/2020 0.35
6/24/2020 0.34
6/23/2020 0.35
6/22/2020 0.36
6/19/2020 0.35
6/18/2020 0.34
6/17/2020 0.34
6/16/2020 0.34
6/15/2020 0.34
6/12/2020 0.35
6/11/2020 0.35
6/10/2020 0.35
6/9/2020 0.35
6/8/2020 0.36
6/5/2020 0.36
6/4/2020 0.36
6/3/2020 0.36
6/2/2020 0.36
6/1/2020 0.35
5/29/2020 0.34
5/28/2020 0.33
5/27/2020 0.33
5/22/2020 0.32
5/21/2020 0.32
5/20/2020 0.32
5/18/2020 0.32
5/15/2020 0.31
5/14/2020 0.31
5/13/2020 0.31
5/12/2020 0.31
5/11/2020 0.30
5/8/2020 0.30
5/7/2020 0.30
5/6/2020 0.29
5/5/2020 0.29
5/4/2020 0.29
4/30/2020 0.30
4/29/2020 0.31
4/28/2020 0.30
4/27/2020 0.30
4/24/2020 0.29
4/22/2020 0.29
4/21/2020 0.28
4/20/2020 0.29
4/17/2020 0.29
4/16/2020 0.28
4/15/2020 0.28
4/14/2020 0.30
4/13/2020 0.30
4/10/2020 0.31
4/9/2020 0.31
4/8/2020 0.28
4/7/2020 0.28
4/6/2020 0.28
4/3/2020 0.27
4/2/2020 0.28
4/1/2020 0.28
3/31/2020 0.29
3/30/2020 0.28
3/27/2020 0.29
3/26/2020 0.30
3/25/2020 0.29
3/24/2020 0.29
3/23/2020 0.27
3/20/2020 0.29
3/19/2020 0.29
3/18/2020 0.31
3/17/2020 0.32
3/16/2020 0.32
3/13/2020 0.35
3/12/2020 0.34
3/11/2020 0.37
3/10/2020 0.37
3/9/2020 0.37
3/6/2020 0.40
3/5/2020 0.42
3/4/2020 0.42
3/3/2020 0.42
3/2/2020 0.38
2/28/2020 0.37
2/27/2020 0.40
2/26/2020 0.42
2/25/2020 0.42
2/24/2020 0.42
2/21/2020 0.43
2/20/2020 0.42
2/19/2020 0.45
2/18/2020 0.46
2/17/2020 0.47
2/14/2020 0.47
2/13/2020 0.47
2/12/2020 0.48
2/11/2020 0.50
2/10/2020 0.52
2/7/2020 0.52
2/6/2020 0.53
2/5/2020 0.50
2/4/2020 0.51
2/3/2020 0.49
1/31/2020 0.50
1/30/2020 0.51
1/29/2020 0.50
1/28/2020 0.52
1/27/2020 0.51
1/24/2020 0.52
1/23/2020 0.51
1/22/2020 0.51
1/21/2020 0.51
1/20/2020 0.50
1/17/2020 0.50
1/16/2020 0.48
1/15/2020 0.47
1/14/2020 0.47
1/13/2020 0.47
1/10/2020 0.46
1/9/2020 0.43
1/8/2020 0.41
1/7/2020 0.40
1/6/2020 0.40
1/3/2020 0.41
1/2/2020 0.42
12/31/2019 0.42
CHANGE
-0.14 | -33.77%
Back to Index

ICBC Turkey Bank AŞ | Stock Chart

IBSE:ICBCT (MI Key: 4186032; SPCIQ Key: 20405134)

Entities: ICBC Turkey Bank

Metrics: Share Price
SERIES NAME CATEGORY HIGH LOW AVERAGE
ICBCT-Share Price (Daily) Market Data 1.22 0.43 0.74

Pricing Date ICBCT-Share Price (Daily)($)

9/30/2020 0.92
9/29/2020 0.90
9/28/2020 0.90
9/25/2020 0.95
9/24/2020 0.97
9/23/2020 0.96
9/22/2020 0.87
9/21/2020 0.86
9/18/2020 0.95
9/17/2020 1.00
9/16/2020 1.01
9/15/2020 1.03
9/14/2020 1.02
9/11/2020 1.01
9/10/2020 0.99
9/9/2020 1.04
9/8/2020 1.11
9/7/2020 1.04
9/4/2020 1.03
9/3/2020 1.06
9/2/2020 1.02
9/1/2020 1.06
8/31/2020 1.06
8/28/2020 0.97
8/27/2020 0.87
8/26/2020 0.86
8/25/2020 0.90
8/24/2020 0.85
8/21/2020 0.78
8/20/2020 0.81
8/19/2020 0.74
8/18/2020 0.73
8/17/2020 0.72
8/14/2020 0.70
8/13/2020 0.72
8/12/2020 0.74
8/11/2020 0.76
8/10/2020 0.73
8/7/2020 0.73
8/6/2020 0.71
8/5/2020 0.74
8/4/2020 0.74
7/30/2020 0.78
7/29/2020 0.76
7/28/2020 0.78
7/27/2020 0.85
7/24/2020 0.88
7/23/2020 0.91
7/22/2020 0.90
7/21/2020 0.85
7/20/2020 0.84
7/17/2020 0.83
7/16/2020 0.81
7/14/2020 0.80
7/13/2020 0.81
7/10/2020 0.78
7/9/2020 0.79
7/8/2020 0.82
7/7/2020 0.83
7/6/2020 0.83
7/3/2020 0.82
7/2/2020 0.84
7/1/2020 0.83
6/30/2020 0.83
6/29/2020 0.82
6/26/2020 0.80
6/25/2020 0.79
6/24/2020 0.79
6/23/2020 0.81
6/22/2020 0.82
6/19/2020 0.83
6/18/2020 0.81
6/17/2020 0.83
6/16/2020 0.85
6/15/2020 0.77
6/12/2020 0.75
6/11/2020 0.75
6/10/2020 0.72
6/9/2020 0.71
6/8/2020 0.70
6/5/2020 0.70
6/4/2020 0.71
6/3/2020 0.72
6/2/2020 0.70
6/1/2020 0.69
5/29/2020 0.67
5/28/2020 0.67
5/27/2020 0.67
5/22/2020 0.66
5/21/2020 0.66
5/20/2020 0.67
5/18/2020 0.65
5/15/2020 0.64
5/14/2020 0.64
5/13/2020 0.66
5/12/2020 0.66
5/11/2020 0.61
5/8/2020 0.59
5/7/2020 0.59
5/6/2020 0.58
5/5/2020 0.59
5/4/2020 0.59
4/30/2020 0.62
4/29/2020 0.63
4/28/2020 0.62
4/27/2020 0.63
4/24/2020 0.60
4/22/2020 0.59
4/21/2020 0.59
4/20/2020 0.61
4/17/2020 0.60
4/16/2020 0.60
4/15/2020 0.60
4/14/2020 0.65
4/13/2020 0.65
4/10/2020 0.65
4/9/2020 0.66
4/8/2020 0.63
4/7/2020 0.62
4/6/2020 0.61
4/3/2020 0.58
4/2/2020 0.59
4/1/2020 0.61
3/31/2020 0.62
3/30/2020 0.56
3/27/2020 0.52
3/26/2020 0.52
3/25/2020 0.48
3/24/2020 0.48
3/23/2020 0.44
3/20/2020 0.46
3/19/2020 0.45
3/18/2020 0.46
3/17/2020 0.47
3/16/2020 0.47
3/13/2020 0.53
3/12/2020 0.51
3/11/2020 0.59
3/10/2020 0.60
3/9/2020 0.63
3/6/2020 0.70
3/5/2020 0.73
3/4/2020 0.73
3/3/2020 0.75
3/2/2020 0.71
2/28/2020 0.69
2/27/2020 0.74
2/26/2020 0.80
2/25/2020 0.80
2/24/2020 0.79
2/21/2020 0.80
2/20/2020 0.79
2/19/2020 0.87
2/18/2020 0.90
2/17/2020 0.92
2/14/2020 0.90
2/13/2020 0.89
2/12/2020 0.89
2/11/2020 0.89
2/10/2020 0.88
2/7/2020 0.93
2/6/2020 0.96
2/5/2020 0.95
2/4/2020 0.94
2/3/2020 0.93
1/31/2020 0.94
1/30/2020 0.95
1/29/2020 0.97
1/28/2020 0.97
1/27/2020 0.96
1/24/2020 0.97
1/23/2020 0.98
1/22/2020 1.03
1/21/2020 0.89
1/20/2020 0.90
1/17/2020 0.89
1/16/2020 0.91
1/15/2020 0.90
1/14/2020 0.91
1/13/2020 0.91
1/10/2020 0.89
1/9/2020 0.88
1/8/2020 0.81
1/7/2020 0.83
1/6/2020 0.81
1/3/2020 0.85
1/2/2020 0.89
12/31/2019 0.89
12/30/2019 0.90
12/27/2019 0.89
12/26/2019 0.91
12/25/2019 0.90
12/24/2019 0.86
12/23/2019 0.84
12/20/2019 0.83
12/19/2019 0.81
12/18/2019 0.82
12/17/2019 0.84
12/16/2019 0.85
12/13/2019 0.84
12/12/2019 0.84
12/11/2019 0.81
12/10/2019 0.83
12/9/2019 0.85
12/6/2019 0.87
12/5/2019 0.89
12/4/2019 0.88
12/3/2019 0.87
12/2/2019 0.87
11/29/2019 0.86
11/28/2019 0.87
11/27/2019 0.86
11/26/2019 0.86
11/25/2019 0.88
11/22/2019 0.85
11/21/2019 0.84
11/20/2019 0.84
11/19/2019 0.84
11/18/2019 0.84
11/15/2019 0.82
11/14/2019 0.81
11/13/2019 0.82
11/12/2019 0.80
11/11/2019 0.81
11/8/2019 0.83
11/7/2019 0.78
11/6/2019 0.75
11/5/2019 0.75
11/4/2019 0.75
11/1/2019 0.73
10/31/2019 0.75
10/30/2019 0.75
10/28/2019 0.76
10/25/2019 0.74
10/24/2019 0.75
10/23/2019 0.75
10/22/2019 0.71
10/21/2019 0.70
10/18/2019 0.71
10/17/2019 0.68
10/16/2019 0.65
10/15/2019 0.66
10/14/2019 0.64
10/11/2019 0.70
10/10/2019 0.71
10/9/2019 0.68
10/8/2019 0.71
10/7/2019 0.74
10/4/2019 0.75
10/3/2019 0.65
10/2/2019 0.66
10/1/2019 0.66
9/30/2019 0.69
9/27/2019 0.66
9/26/2019 0.65
9/25/2019 0.65
9/24/2019 0.65
9/23/2019 0.64
9/20/2019 0.63
9/19/2019 0.64
9/18/2019 0.64
9/17/2019 0.65
9/16/2019 0.65
9/13/2019 0.66
9/12/2019 0.66
9/11/2019 0.67
9/10/2019 0.64
9/9/2019 0.63
9/6/2019 0.62
9/5/2019 0.64
9/4/2019 0.65
9/3/2019 0.61
9/2/2019 0.60
8/29/2019 0.58
8/28/2019 0.58
8/27/2019 0.58
8/26/2019 0.58
8/23/2019 0.58
8/22/2019 0.57
8/21/2019 0.57
8/20/2019 0.59
8/19/2019 0.59
8/16/2019 0.57
8/15/2019 0.57
8/9/2019 0.59
8/8/2019 0.59
8/7/2019 0.58
8/6/2019 0.60
8/5/2019 0.60
8/2/2019 0.60
8/1/2019 0.61
7/31/2019 0.62
7/30/2019 0.63
7/29/2019 0.63
7/26/2019 0.62
7/25/2019 0.61
7/24/2019 0.62
7/23/2019 0.62
7/22/2019 0.63
7/19/2019 0.64
7/18/2019 0.64
7/17/2019 0.64
7/16/2019 0.62
7/12/2019 0.57
7/11/2019 0.60
7/10/2019 0.60
7/9/2019 0.58
7/8/2019 0.62
7/5/2019 0.64
7/4/2019 0.64
7/3/2019 0.72
7/2/2019 0.90
7/1/2019 0.82
6/28/2019 0.68
6/27/2019 0.65
6/26/2019 0.57
6/25/2019 0.57
6/24/2019 0.55
6/21/2019 0.54
6/20/2019 0.55
6/19/2019 0.56
6/18/2019 0.55
6/17/2019 0.53
6/14/2019 0.52
6/13/2019 0.53
6/12/2019 0.57
6/11/2019 0.57
6/10/2019 0.58
6/7/2019 0.58
6/3/2019 0.56
5/31/2019 0.57
5/30/2019 0.54
5/29/2019 0.46
5/28/2019 0.45
5/27/2019 0.44
5/24/2019 0.44
5/23/2019 0.43
5/22/2019 0.44
5/21/2019 0.48
5/20/2019 0.49
5/17/2019 0.48
5/16/2019 0.48
5/15/2019 0.49
5/14/2019 0.50
5/13/2019 0.49
5/10/2019 0.51
5/9/2019 0.50
5/8/2019 0.51
5/7/2019 0.52
5/6/2019 0.53
5/3/2019 0.56
5/2/2019 0.56
4/30/2019 0.57
4/29/2019 0.57
4/26/2019 0.59
4/25/2019 0.59
4/24/2019 0.61
4/22/2019 0.61
4/19/2019 0.62
4/18/2019 0.63
4/17/2019 0.64
4/16/2019 0.63
4/15/2019 0.63
4/12/2019 0.62
4/11/2019 0.63
4/10/2019 0.64
4/9/2019 0.65
4/8/2019 0.64
4/5/2019 0.66
4/4/2019 0.67
4/3/2019 0.65
4/2/2019 0.65
4/1/2019 0.68
3/29/2019 0.65
3/28/2019 0.65
3/27/2019 0.68
3/26/2019 0.71
3/25/2019 0.69
3/22/2019 0.68
3/21/2019 0.75
3/20/2019 0.76
3/19/2019 0.74
3/18/2019 0.74
3/15/2019 0.74
3/14/2019 0.73
3/13/2019 0.72
3/12/2019 0.73
3/11/2019 0.73
3/8/2019 0.71
3/7/2019 0.72
3/6/2019 0.75
3/5/2019 0.75
3/4/2019 0.76
3/1/2019 0.76
2/28/2019 0.77
2/27/2019 0.77
2/26/2019 0.78
2/25/2019 0.78
2/22/2019 0.78
2/21/2019 0.77
2/20/2019 0.77
2/19/2019 0.78
2/18/2019 0.77
2/15/2019 0.79
2/14/2019 0.77
2/13/2019 0.78
2/12/2019 0.79
2/11/2019 0.80
2/8/2019 0.80
2/7/2019 0.80
2/6/2019 0.80
2/5/2019 0.82
2/4/2019 0.83
2/1/2019 0.77
1/31/2019 0.80
1/30/2019 0.82
1/29/2019 0.98
1/28/2019 1.22
1/25/2019 1.18
1/24/2019 1.16
1/23/2019 1.12
1/22/2019 1.08
1/21/2019 1.05
1/18/2019 1.02
1/17/2019 1.00
1/16/2019 0.98
1/15/2019 0.95
1/14/2019 0.92
1/11/2019 0.90
1/10/2019 0.93
1/9/2019 0.91
1/8/2019 0.87
1/7/2019 0.88
1/4/2019 0.88
1/3/2019 0.84
1/2/2019 0.89
12/31/2018 0.93
CHANGE
-0.01 | -1.04%
Back to Index

2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4

ROAE 16.32 12.37 10.87 2.59

2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4

Net Interest Margin 3.99 4.06 4.26 4.13

ROAE - The primary reason for why the return on average equity
increased for this bank in the first fiscal quarter of 2020 is because
the net income increased and there was a reduction in the amount
of equity invested and since then there is an uptrend.

Net interest margin - one reason why there was a substantial

decline in the net interest margin is because the overall net interest
income declined. The total interest expenses in relation fell.
Therefore, the primary reason of the decline was a reduction in the
interest income. Nevertheless, the net interest margin was still
better in comparison to the worst bank
2019 FQ3 2019 FQ2 2019 FQ1
9.67 11.25 12.72
ROAE
18.00
16.0016.32
2019 FQ3 2019 FQ2 2019 FQ1 14.00
4.31 4.26 3.82 12.37 12.72
12.00
10.87 11.25
10.00 9.67
8.00
6.00
4.00
2.59
2.00
0.00
2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019 FQ1

ROAE

Net Interest Margin

4.40
4.30 4.31
4.26 4.26
4.20
4.10 4.13
4.06
4.003.99
3.90
3.80 3.82
3.70
3.60
3.50
2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019 FQ1

Net Interest Margin

 Yapi ve Kredi Bankasi A.S (Net Income in millions o
300

250
240.213821879034
12.72
200 194.235797015457 193.400
11.25
171.969334530672 172.847451171031
150

100

50 44.25248722428

0
3 2019 FQ2 2019 FQ1 Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019 Jun-

Net Income

Yapi ve Kredi Bankasi A.S (Net Interest income in Millio

800
722.57218328470 699.104
4.26 700 660.03814864413 3
641.10601793996 8
600 607.93965739218 8 9
563.79631168023
1
500
400
3.82 300
200
100
0
Q3 2019 FQ2 2019 FQ1 Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019 Jun-3

Net Interest Income

come in millions of $) Yapi ve Kredi Bankasi A.S. (Total E
7400
7200
7000
219.75358880068 6922.48924387782
6800
193.400417544246
172.847451171031 6600
6400 6437.82031408427 6386.5318057268
6200
6054.89716876422
6000
5800
5600
5400
Sep-30-2019 Jun-30-2019 Mar-31-2019 Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019

Total Equity

st income in Millions of $) Yapi ve Kredi Bankasi A.S. (Total Interest Inco

722.57218328470 2500
699.10446029234
3 8 618.57322330293 2000
6 1721.306374813 176
8
1500 1419.274166331 92
1239.295642073 32
1091.884354295 1181.778909196 88 998.7341915292 106
311000 1
46
759.2360176871 18
528.0880426150 573.8392518039 598.1896241339 82
81 500 23 2

0
Sep-30-2019 Jun-30-2019 Mar-31-2019 Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019 Ju

me Total Interest Income Total I

nkasi A.S. (Total Equity in Million of $)

7122.78297988695
6997.94477047307
6922.48924387782 6916.7297361697

057268

2020 Dec-31-2019 Sep-30-2019 Jun-30-2019 Mar-31-2019

Total Equity

Total Interest Income and Total Interest expense)

2081.314829126
1
1721.306374813 1767.629342154 1677.037756192 1686.157813936
8
9.274166331 92 39 78
1300.731824860
998.7341915292 1068.524881862 1058.464532889 87
968.7640789530
46 45
.2360176871 18 72

ec-31-2019 Sep-30-2019 Jun-30-2019 Mar-31-2019 Dec-31-2018 Sep-30-2018

otal Interest Income Total Interest Expense

Back to Index
2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4
ROAE -3.48 0.74 28.13 5.73

2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4

Net Interest Margin 1.98 1.77 2.54 2.77

ROAE - The primary reason for a decline in the return on

average equity in the second fiscal quarter is because of
a decline in the net income, which means that it is not
generating significant returns for its shareholders.

Net interest margin - one reason why there was a

substantial decline in the net interest margin is because
the overall interest income declined. The total interest
expenses in relation fell. Therefore, the primary reason
for the decline was a reduction in the interest income.
Likewise, since this bank generates less interest income
in comparison to the best bank their net interest margin
is lower
2019 FQ3 2019 FQ2 2019 FQ1
1.61 3.47 12.40
ROAE
2019 FQ3 2019 FQ2 2019 FQ1
35.00
1.80 2.09 2.31

30.00
28.13

25.00

20.00

15.00

12.4
10.00

5.73
5.00
3.47
1.61
0.74
0.00
2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019
-3.48
-5.00

-10.00

ROAE

Net Interest Margin

3.00
2.77
2.50 2.54
2.3
2.001.98 2.09
1.77 1.80
1.50

1.00

0.50

0.00
2020 FQ3 2020 FQ2 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019

Net Interest Margin

 ICBC Turkey Bank A.S. (Total Equity in Millions of Dollar
250

228.413752986729
223.398763090848
217.64903979599 214.906
209.061013669862 211.58244104144
200

182.251610074813

150

12.40

100

3.47
1.61
50
2019 FQ3 2019 FQ2 2019 FQ1

0
Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019 Jun-30-2019 Mar-

Total Equity

Margin ICBC Turkey Bank A.S. (Net interest income in Millions o

25

20 20.760957244944
2.31
18.731519378992 18.248
2.09
16.567968584706
1.80 15
14.908315725139
13.916139008648 13.633400656522

10

0
2019 FQ3 2019 FQ2 2019 FQ1 Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019 Jun-30-2019 Mar
argin Net Interest Income
Millions of Dollars) ICBC Turkey Bank A.S. (Net income in millions o
16

52986729 14.556694103616
14
217.64903979599 214.906267994396

12

10

4
3.151552836537

2
0.906578808306
0.378745878412
0
Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019
-1.598869982674
-2

0-2019 Jun-30-2019 Mar-31-2019 -4

Net Income

ome in Millions of $) ICBC Turkey Bank A.S. (Total interest income and total i
Millions of $)
70

18.248216507928 60
16.567968584706 55.136748550723
50 52.308416236824
00656522
40 39.180648358744 41.747339191936 41.503347894201
36.202910556791
30 31.54745899188
25.264509350096 23.015819812944
21.294594831652
20
10
0
0-2019 Jun-30-2019 Mar-31-2019
Sep-30-2020 Jun-30-2020 Mar-31-2020 Dec-31-2019 Sep-30-2019

Total Interest Income Total Interest Expense

come in millions of dollars)

6.531482883156

36537

1.855684345636
0.906578808306

2019 Sep-30-2019 Jun-30-2019 Mar-31-2019

Income

income and total interest expense in

57.016601158616 59.434069071652
55.136748550723
6236824

41.503347894201 40.44863257391 41.185852563724

899188

2019 Sep-30-2019 Jun-30-2019 Mar-31-2019

Total Interest Expense

Back to Index

ICBC Turkey Bank AŞ | Performance Analysis

IBSE:ICBCT (MI KEY: 4186032; SPCIQ KEY: 20405134)

Source: Recommended
Periods: Custom
Magnitude: Thousands (K)
Native Currency: TRY
Current Currency: USD

Recommended: SNL Financial 2020 FQ3 2020 FQ2

Current/Restated Current/Restated
Fiscal Period Ended 9/30/2020 6/30/2020
Period Restated? No No
Restatement Date NA NA
Spot Exchange Rate 0.129589 0.145896
Average Exchange Rate 0.138487 0.145628
Accounting Principle Turkish FRS Turkish FRS
Financials Reported Currency Code TRY TRY

Profitability Ratios (%)

ROAA (0.21) 0.05
ROAE (3.48) 0.74
ROACE (3.48) 0.74
ROATCE (3.15) 1.07
Return on Avg Risk-weighted Assets (0.30) 0.06
Pre-impairment Operating Profit/ Avg Assets 1.62 1.14
Pre-Impairment Op Profit/ Avg Risk-weighted Assets 2.31 1.43
Pre-tax Profit/ Avg Risk-weighted Assets (0.26) 0.30

Net Interest Margin 1.98 1.77

Yield: Interest Earning Assets 4.80 4.98
Cost of Funds 3.14 3.60
Interest Spread, Incl Nonint Deps 1.66 1.38
Customer Interest Spread 4.27 3.80

Net Interest Income/ Avg Assets 1.95 1.74

Net Fee Income/ Average Assets 0.50 0.80
Noninterest Expense/ Avg Asset 1.97 2.13

Net Interest Income/ Avg Risk-weighted Assets 2.77 2.19

Net Fee Income/ Avg Risk-weighted Assets 0.72 1.00
Operating Expense/ Avg Risk-weighted Assets 2.81 2.67

Net Interest Income/ Operating Revenue 54.24 53.37

Net Fee & Commissions/ Operating Income 14.02 24.47
Cost-to-Income 54.89 65.12
Cost-to-Income Excluding Trading 76.04 74.21

Yield / Cost Detail (%)

Yield Earned On:
Yield: Total Loans 6.95 7.31
Yield: Total Bank Loans 0.16 1.39
Yield: Interest Earning Assets 4.80 4.98

Cost Incurred By:

Int Cost: Total Deposits 2.68 3.52
Int Cost: Bank Deposits 0.15 0.05
Cost of Funds 3.14 3.60

Share and Per Share Info ($)

Basic EPS before Extra (0.00) 0.00
Diluted EPS before Extra (0.00) 0.00
Basic EPS after Extra (0.00) 0.00
Diluted EPS after Extraordinary (0.00) 0.00
Basic Book Value per Share 0.21 0.24
Basic Tangible Book Value per Share 0.21 0.24
Common Dividends Declared per Share 0.0000 0.0000
Dividends Attributable per Common Share NA NA
Dividend Payout Ratio (%) NA NA
Avg Diluted Shares (actual) 881,285,714 865,333,333
Common Shares Outstanding (actual) 860,000,000 860,000,000
Government Owned Common Shares (%) 92.84 92.84

Market Info and Historical Pricing

Price per share at period end ($) 0.92 0.83
Price/ Last-twelve-months EPS (x) 59.25 40.50
Price/ Book (Multiple) (x) 4.35 3.40
Price/ Tangible Book (Multiple) (x) 4.37 3.42
Market Capitalization ($000) 792,385.3 711,417.8
 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019 FQ1
Current/Restated Current/Restated Current/Restated Current/Restated Current/Restated
3/31/2020 12/31/2019 9/30/2019 6/30/2019 3/31/2019
No No No No No
NA NA NA NA NA
0.152260 0.168056 0.177135 0.172750 0.177019
0.163767 0.172466 0.176281 0.170327 0.186168
Turkish FRS Turkish FRS Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY TRY TRY

1.95 0.42 0.12 0.23 0.82

28.13 5.73 1.61 3.47 12.40
28.13 5.73 1.61 3.47 12.40
28.58 6.28 1.88 3.78 12.78
2.18 0.48 0.15 0.31 1.22
1.99 1.41 0.64 1.12 1.87
2.23 1.62 0.81 1.50 2.80
2.56 0.92 0.35 0.57 1.77

2.54 2.77 1.80 2.09 2.31

5.66 6.98 7.27 7.18 7.53
3.51 4.78 6.24 5.82 5.90
2.14 2.21 1.02 1.36 1.62
3.44 1.86 (0.13) 1.52 3.40

2.51 2.74 1.77 2.06 2.29

0.49 1.06 0.60 0.58 0.52
2.36 3.08 2.15 2.03 1.79

2.80 3.16 2.26 2.76 3.42

0.54 1.23 0.76 0.78 0.78
2.63 3.56 2.74 2.71 2.68

57.65 61.04 63.50 65.49 62.41

11.22 23.72 21.50 18.41 14.15
54.18 68.68 77.08 64.38 48.87
63.43 78.20 81.62 70.51 53.34

6.78 7.29 7.98 8.70 10.95

 2.69 3.48 3.32 3.58 2.93
5.66 6.98 7.27 7.18 7.53

3.34 5.44 8.11 7.18 7.55

0.38 1.81 3.91 2.68 2.55
3.51 4.78 6.24 5.82 5.90

0.02 0.00 0.00 0.00 0.01

0.02 0.00 0.00 0.00 0.01
0.02 0.00 0.00 0.00 0.01
0.02 0.00 0.00 0.00 0.01
0.25 0.26 0.27 0.25 0.25
0.24 0.26 0.26 0.25 0.25
0.0000 0.0000 0.0000 0.0000 0.0000
NA NA NA NA NA
NA NA NA NA NA
861,297,297 851,658,504 853,000,000 895,166,667 858,069,767
860,000,000 860,000,000 860,000,000 860,000,000 860,000,000
92.84 92.84 92.84 92.84 92.84

0.62 0.89 0.69 0.68 0.65

27.20 65.88 55.43 65.33 41.11
2.53 3.41 2.59 2.68 2.62
2.54 3.43 2.60 2.70 2.65
534,251.0 761,663.1 591,065.3 582,376.0 563,275.6
 2018 FQ4 2018 FQ3 2018 FQ2 2018 FQ1 2017 FQ4
Current/Restated Current/Restated Current/Restated Current/Restated Current/Restated
12/31/2018 9/30/2018 6/30/2018 3/31/2018 12/31/2017
Yes No No No No
1/1/2019 NA NA NA NA
0.188857 0.166364 0.217723 0.252659 0.264187
0.181942 0.179935 0.229246 0.262069 0.263133
Turkish FRS Turkish FRS Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY TRY TRY

0.31 (0.06) 1.07 1.17 (0.31)

4.19 (0.76) 12.38 13.07 (3.41)
4.19 (0.76) 12.38 13.07 (3.41)
4.42 (0.60) 12.59 13.27 (3.30)
0.53 (0.10) 1.65 1.79 (0.48)
1.69 1.91 2.66 1.40 1.92
2.91 3.14 4.08 2.15 2.99
1.11 (0.23) 2.67 2.11 0.04

3.97 2.88 3.16 3.47 3.64

10.43 8.92 8.26 7.28 7.40
7.21 6.81 5.86 4.36 4.28
3.22 2.11 2.40 2.92 3.11
(2.77) 2.04 2.37 1.77 1.19

3.93 2.85 3.12 3.43 3.60

0.47 1.30 0.62 0.27 0.90
2.01 2.79 2.18 1.95 2.06

6.78 4.68 4.78 5.26 5.62

0.81 2.14 0.95 0.41 1.40
3.47 4.59 3.34 2.99 3.22

106.17 60.53 64.45 102.33 90.37

12.62 27.72 12.75 8.03 22.58
54.40 59.38 45.04 58.19 51.86
49.20 68.63 47.07 44.73 43.09

8.43 10.14 9.58 8.89 8.66

 1.08 1.02 0.75 0.56 0.97
10.43 8.92 8.26 7.28 7.40

11.19 8.10 7.21 7.12 7.47

2.12 2.01 0.28 0.01 0.00
7.21 6.81 5.86 4.36 4.28

0.00 0.00 0.01 0.01 (0.00)

0.00 0.00 0.01 0.01 (0.00)
0.00 0.00 0.01 0.01 (0.00)
0.00 0.00 0.01 0.01 (0.00)
0.26 0.22 0.30 0.35 0.34
0.25 0.22 0.29 0.34 0.34
0.0000 0.0000 0.0000 0.0000 0.0000
NA NA NA NA NA
NA NA NA NA NA
858,705,131 725,333,333 864,452,381 850,727,273 874,681,566
860,000,000 860,000,000 860,000,000 860,000,000 860,000,000
92.84 92.84 92.84 92.84 92.84

0.93 0.91 0.98 1.23 1.20

49.30 77.86 50.11 97.60 57.00
3.63 4.17 3.32 3.56 3.53
3.66 4.19 3.34 3.58 3.54
800,717.7 779,750.1 844,459.0 1,060,360.3 1,036,035.1
 2017 FQ3 2017 FQ2 2017 FQ1
Current/Restated Current/Restated Current/Restated
9/30/2017 6/30/2017 3/31/2017
No No No
NA NA NA
0.281088 0.284051 0.274763
0.284620 0.279683 0.270802
Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY

0.36 0.54 1.52

3.61 6.19 21.56
3.61 6.19 21.56
3.69 6.30 21.80
0.59 0.89 2.42
0.64 1.16 2.60
1.03 1.90 4.13
0.84 1.23 3.37

2.71 3.70 4.01

6.32 7.06 7.57
4.11 3.73 3.89
2.20 3.33 3.68
0.61 1.18 0.51

2.68 3.66 3.97

0.72 0.29 0.94
2.05 2.24 2.41

4.34 6.03 6.30

1.16 0.48 1.49
3.32 3.70 3.83

99.78 107.76 79.08

26.65 8.51 18.66
76.23 65.99 48.10
58.00 55.94 48.10

8.64 8.10 7.75

 1.65 1.24 0.66
6.32 7.06 7.57

8.03 6.92 7.25

0.04 0.01 0.04
4.11 3.73 3.89

0.01 0.00 0.01

0.01 0.00 0.01
0.01 0.00 0.01
0.01 0.00 0.01
0.37 0.37 0.28
0.37 0.37 0.28
0.0000 0.0000 0.0000
NA NA NA
NA NA NA
561,055,556 4,564,333,333 646,395,175
860,000,000 860,000,000 646,395,175
92.84 92.84 92.82

0.96 0.90 0.58

37.99 41.58 25.44
2.60 2.44 2.07
2.61 2.45 2.08
821,902.4 771,935.8 372,743.5
Back to Index

Yapı ve Kredi Bankası AŞ | Performance Analysis

IBSE:YKBNK (MI KEY: 4150761; SPCIQ KEY: 874601)

Source: Recommended
Periods: Custom
Magnitude: Thousands (K)
-tive Currency: TRY
Current Currency: USD

Recommended: SNL Fi-ncial 2020 FQ3 2020 FQ2

Current/Restated Current/Restated
Fiscal Period Ended 9/30/2020 6/30/2020
Period Restated? No No
Restatement Date - -
Spot Exchange Rate 0.129589 0.145896
Average Exchange Rate 0.138487 0.145628
Accounting Principle Turkish FRS Turkish FRS
Fi-ncials Reported Currency Code TRY TRY

Profitability Ratios (%)

ROAA 1.58 1.21
ROAE 16.32 12.37
ROACE 16.32 12.37
ROATCE 17.41 13.32
Return on Avg Risk-weighted Assets 2.27 1.61
Pre-impairment Operating Profit/ Avg Assets 4.45 3.50
Pre-Impairment Op Profit/ Avg Risk-weighted Assets 6.39 4.66
Pre-tax Profit/ Avg Risk-weighted Assets 2.90 2.06

Net Interest Margin 3.99 4.06

Yield: Interest Earning Assets 7.73 7.92
Cost of Funds 4.10 4.21
Interest Spread, Incl Nonint Deps 3.64 3.70
Customer Interest Spread 6.72 6.35

Net Interest Income/ Avg Assets 3.71 3.78

Net Fee Income/ Average Assets 1.27 1.13
Noninterest Expense/ Avg Asset 1.78 1.85

Net Interest Income/ Avg Risk-weighted Assets 5.33 5.03

Net Fee Income/ Avg Risk-weighted Assets 1.82 1.51
Operating Expense/ Avg Risk-weighted Assets 2.55 2.46

Net Interest Income/ Operating Revenue 59.67 70.61

Net Fee & Commissions/ Operating Income 20.34 21.18
Cost-to-Income 28.56 34.61
Cost-to-Income Excluding Trading 33.05 35.56
Yield / Cost Detail (%)
Yield Earned On:
Yield: Total Loans 9.54 9.78
Yield: Total Bank Loans 2.64 3.90
Yield: Interest Earning Assets 7.73 7.92

Cost Incurred By:

Int Cost: Total Deposits 2.82 3.43
Int Cost: Bank Deposits 3.45 2.00
Cost of Funds 4.10 4.21

Share and Per Share Info ($)

Basic EPS before Extra 0.03 0.02
Diluted EPS before Extra 0.03 0.02
Basic EPS after Extra 0.03 0.02
Diluted EPS after Extraordi-ry 0.03 0.02
Basic Book Value per Share 0.72 0.76
Basic Tangible Book Value per Share 0.69 0.73
Common Dividends Declared per Share 0.0000 0.0000
Dividends Attributable per Common Share - -
Dividend Payout Ratio (%) - -
Avg Diluted Shares (actual) 8,447,051,280 8,447,051,280
Common Shares Outstanding (actual) 8,447,051,284 8,447,051,284
Government Owned Common Shares (%) 0.00 0.00

Market Info and Historical Pricing

Price per share at period end ($) 0.28 0.36
Price/ Last-twelve-months EPS (x) 3.94 5.55
Price/ Book (Multiple) (x) 0.39 0.47
Price/ Tangible Book (Multiple) (x) 0.40 0.49
Market Capitalization ($000) 2,331,595.0 3,007,032.9
 2020 FQ1 2019 FQ4 2019 FQ3 2019 FQ2 2019 FQ1
Current/Restated Current/Restated Current/Restated Current/Restated Current/Restated
3/31/2020 12/31/2019 9/30/2019 6/30/2019 3/31/2019
No No No No No
- - - - -
0.152260 0.168056 0.177135 0.172750 0.177019
0.163767 0.172466 0.176281 0.170327 0.186168
Turkish FRS Turkish FRS Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY TRY TRY

1.07 0.26 0.97 1.12 1.30

10.87 2.59 9.67 11.25 12.72
10.87 2.59 9.67 11.25 12.72
11.76 3.05 10.46 12.11 13.65
1.36 0.33 1.21 1.39 1.59
4.18 3.37 3.16 3.23 3.90
5.32 4.23 3.95 4.01 4.80
1.73 0.49 1.55 1.62 2.03

4.26 4.13 4.31 4.26 3.82

8.24 8.89 10.27 10.79 10.38
4.37 5.32 6.65 7.30 7.45
3.86 3.57 3.62 3.49 2.93
6.61 6.56 5.49 4.79 4.38

3.98 3.89 4.05 4.03 3.64

1.44 1.57 1.34 1.25 1.39
1.95 2.36 1.77 1.79 1.79

5.06 4.87 5.06 5.00 4.48

1.83 1.97 1.67 1.56 1.72
2.48 2.95 2.21 2.22 2.20

64.89 67.86 82.26 80.25 63.94

23.45 27.42 27.16 24.99 24.53
31.78 41.12 35.89 35.61 31.42
33.11 39.46 31.21 31.70 32.44
 10.34 11.73 12.63 12.67 12.61
3.74 3.54 4.62 7.26 6.77
8.24 8.89 10.27 10.79 10.38

3.72 5.17 7.14 7.88 8.24

1.96 2.46 4.15 3.74 4.24
4.37 5.32 6.65 7.30 7.45

0.02 0.01 0.02 0.02 0.03

0.02 0.01 0.02 0.02 0.03
0.02 0.01 0.02 0.02 0.03
0.02 0.01 0.02 0.02 0.03
0.76 0.82 0.84 0.83 0.82
0.72 0.78 0.80 0.79 0.78
0.0000 0.0000 0.0000 0.0000 0.0000
- - - - -
- - - - -
8,447,051,280 8,447,051,280 8,447,051,280 8,447,051,280 8,447,051,280
8,447,051,284 8,447,051,284 8,447,051,284 8,447,051,284 8,447,051,284
0.00 0.00 0.00 0.00 0.00

0.29 0.42 0.43 0.42 0.38

4.61 5.77 4.55 4.46 3.09
0.38 0.51 0.51 0.50 0.46
0.40 0.53 0.53 0.53 0.48
2,430,824.6 3,520,551.1 3,606,014.4 3,516,747.0 3,184,970.9
 2018 FQ4 2018 FQ3 2018 FQ2 2018 FQ1 2017 FQ4
Current/Restated Current/Restated Current/Restated Current/Restated Current/Restated
12/31/2018 9/30/2018 6/30/2018 3/31/2018 12/31/2017
No No No No No
- - - - -
0.188857 0.166364 0.217723 0.252659 0.264187
0.181942 0.179935 0.229246 0.262069 0.263133
Turkish FRS Turkish FRS Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY TRY TRY

1.09 1.13 1.42 1.54 1.16

10.91 11.42 14.15 16.13 11.91
10.91 11.42 14.15 16.13 11.91
11.67 12.20 15.13 17.33 13.02
1.45 1.49 1.68 1.81 1.34
3.44 4.45 3.41 3.23 2.58
4.60 5.85 4.04 3.79 2.98
1.96 1.90 2.13 2.35 1.76

4.36 4.59 3.85 3.66 3.84

11.64 10.79 9.11 8.70 8.79
8.26 7.03 6.01 5.73 5.64
3.38 3.75 3.11 2.97 3.15
1.89 4.64 4.48 4.15 3.79

4.16 4.38 3.70 3.53 3.70

1.12 1.05 1.21 1.28 1.11
2.01 1.71 1.79 1.80 2.19

5.55 5.77 4.38 4.14 4.27

1.50 1.39 1.44 1.50 1.28
2.69 2.25 2.12 2.11 2.53

76.23 71.19 71.19 70.18 77.48

20.58 17.10 23.33 25.50 23.19
36.88 27.79 34.47 35.75 45.92
36.72 29.70 33.32 33.36 42.29
 11.63 12.23 10.92 10.20 9.77
15.92 5.35 3.36 2.89 3.35
11.64 10.79 9.11 8.70 8.79

9.74 7.58 6.44 6.05 5.98

2.57 2.74 2.76 3.54 2.57
8.26 7.03 6.01 5.73 5.64

0.02 0.02 0.06 0.05 0.03

0.02 0.02 0.06 0.05 0.03
0.02 0.02 0.06 0.05 0.03
0.02 0.02 0.06 0.05 0.03
0.87 0.79 0.97 1.18 1.18
0.83 0.76 0.93 1.12 1.11
0.0000 0.0000 0.0000 0.0000 0.0000
- - - - -
- - - - -
8,476,701,400 8,507,010,440 4,369,829,060 6,745,858,234 6,745,858,234
8,447,051,284 8,447,051,284 8,447,051,284 6,745,858,234 6,745,858,234
0.00 0.00 0.00 0.00 0.00

0.30 0.31 0.54 0.72 0.74

2.19 2.59 3.45 4.99 5.23
0.35 0.39 0.55 0.61 0.63
0.36 0.41 0.58 0.65 0.66
2,552,461.2 2,641,943.2 4,561,003.1 4,876,552.1 4,984,202.3
 2017 FQ3 2017 FQ2 2017 FQ1
Current/Restated Current/Restated Current/Restated
9/30/2017 6/30/2017 3/31/2017
No No No
- - -
0.281088 0.284051 0.274763
0.284620 0.279683 0.270802
Turkish FRS Turkish FRS Turkish FRS
TRY TRY TRY

1.17 1.27 1.47

11.71 12.70 14.88
11.71 12.70 14.88
12.79 13.84 16.19
1.32 1.40 1.60
2.65 2.76 3.16
2.97 3.05 3.45
1.66 1.76 2.02

3.41 3.44 3.43

8.41 8.17 7.94
5.73 5.42 5.15
2.68 2.75 2.79
3.25 3.12 3.53

3.28 3.31 3.30

1.11 1.18 1.24
1.90 2.03 2.01

3.69 3.65 3.59

1.25 1.30 1.35
2.14 2.24 2.19

72.16 69.02 63.78

24.51 24.58 24.04
41.80 42.28 38.81
39.85 40.97 39.55
 9.53 9.26 9.13
4.64 8.63 3.54
8.41 8.17 7.94

6.27 6.14 5.60

2.87 2.34 2.88
5.73 5.42 5.15

0.03 0.04 0.04

0.03 0.04 0.04
0.03 0.04 0.04
0.03 0.04 0.04
1.21 1.20 1.13
1.14 1.13 1.06
0.0000 0.0000 0.0000
- - -
- - -
6,745,858,234 6,745,858,234 6,745,858,234
6,745,858,234 6,745,858,234 6,745,858,234
0.00 0.00 0.00

0.78 0.82 0.67

5.68 5.91 5.07
0.65 0.69 0.60
0.69 0.73 0.63
5,278,632.2 5,544,171.9 4,538,753.2
Back to Index
Period Net Interest Income
Sep-30-2020 14.908315725139
Jun-30-2020 13.916139008648
Mar-31-2020 18.731519378992 ICBC
Dec-31-2019 20.760957244944
Sep-30-2019 13.633400656522
Jun-30-2019 16.567968584706
Mar-31-2019 18.248216507928
Back to Index
Period Total Interest Income Total Interest Expense
Sep-30-2020 36.202910556791 21.294594831652
Jun-30-2020 39.180648358744 25.264509350096
Mar-31-2020 41.747339191936 23.015819812944 ICBC
Dec-31-2019 52.308416236824 31.54745899188
Sep-30-2019 55.136748550723 41.503347894201
Jun-30-2019 57.016601158616 40.44863257391
Mar-31-2019 59.434069071652 41.185852563724
ICBC
Back to Index
Period Net Income
Sep-30-2020 -1.598869982674
Jun-30-2020 0.378745878412
Mar-31-2020 14.556694103616 ICBC
Dec-31-2019 3.151552836537
Sep-30-2019 0.906578808306
Jun-30-2019 1.855684345636
Mar-31-2019 6.531482883156
Back to Index
Period Total Equity
Sep-30-2020 182.251610074813
Jun-30-2020 209.061013669862
Mar-31-2020 211.58244104144 ICBC
Dec-31-2019 223.398763090848
Sep-30-2019 228.413752986729
Jun-30-2019 217.64903979599
Mar-31-2019 214.906267994396
Back to Index
Period Net Interest Income
Sep-30-2020 563.796311680231
Jun-30-2020 607.93965739218
Mar-31-2020 641.106017939968 Yapi Kredi
Dec-31-2019 660.038148644139
Sep-30-2019 722.572183284703
Jun-30-2019 699.104460292348
Mar-31-2019 618.573223302936
Back to Index
Period Total Interest Income Total Interest Expense
Sep-30-2020 1091.88435429531 528.088042615081
Jun-30-2020 1181.7789091961 573.839251803923
Mar-31-2020 1239.29564207388 598.18962413392
Dec-31-2019 1419.27416633132 759.236017687182 Yapi Kredi
Sep-30-2019 1721.30637481392 998.734191529218
Jun-30-2019 1767.6293421548 1068.52488186246
Mar-31-2019 1677.03775619239 1058.46453288945
Dec-31-2018 2081.3148291261 1300.73182486087
Sep-30-2018 1686.15781393678 968.764078953072
Yapi Kredi
Back to Index
Period Net Income
Sep-30-2020 240.213821879034
Jun-30-2020 194.235797015457
Mar-31-2020 171.969334530672 Yapi Kredi
Dec-31-2019 44.25248722428
Sep-30-2019 172.847451171031
Jun-30-2019 193.400417544246
Mar-31-2019 219.75358880068
Back to Index
Period Total Equity
Sep-30-2020 6054.89716876422
Jun-30-2020 6437.82031408427
Mar-31-2020 6386.5318057268 Yapi Kredi
Dec-31-2019 6922.48924387782
Sep-30-2019 7122.78297988695
Jun-30-2019 6997.94477047307
Mar-31-2019 6916.7297361697