TABLE OF CONTENTS. BRSA, Department of Data and System Management 2

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2 TABLE OF CONTENTS Number of Banks, Branches and Personnel... 1 Selected Balance-Sheet Items... 2 On-balance Sheet Figures... 4 Off-balance Sheet Figures... 5 Development of Main Figures Profitability... 8 Loans... 1 Non-Performing Loans Securities Deposits Payables to Banks and Repo Capital Adequacy... 2 Explanations BRSA, Department of Data and System Management 2

3 Number of Banks, Branches and Personnel Total Number of Banks As of September 218, there are 52 banks operating in Turkish Banking Sector as; 2 34 Deposit banks, Development and Investment banks, 5 Participation banks. COMMERCIAL DEVELOPMENT and INVESTMENT PARTICIPATION Number of Branches Total Total PUBLIC 3.94 PUBLIC PRIVATE 4.2 FOREIGN September 218 Number of Personnel PRIVATE FOREIGN Number of branches and personnel in banking sector decreased by 4 and 249, respectively when compared to the previous quarter (June 218). As of September 218 period, number of branches realized as while number of personnel realized as September 218 BRSA, Department of Data and System Management 1

4 Selected Balance Sheet Items Previous End of Previous Quarter () Year CASH and CASH EQUIVALENTS* ,2 84,1 REQUIRED RESERVES ,9-26,2 LOANS , 23,3 NON-PERFORMING LOANS (GROSS) 86 17,2 34,7 SECURITIES ,4 21,9 OTHER ASSETS ,6 79,8 TOTAL ASSETS ,7 29,3 LIABILITIES ASSETS Total Changes (%) DEPOSITS ,5 24,9 DUE TO BANKS ,1 44,4 Total assets of Turkish Banking Sector increased by 14,7% to TL billion in September 218 when compared to the previous year-end. FUNDS FROM REPO TRANSACTIONS ,4 46,1 SECURITIES ISSUED 25 16,4 4,7 EQUITIES 49 3,6 13,9 OTHER LIABILITIES 63 53,5 34,6 TOTAL LIABILITIES ,7 29,3 * Sum of Cash, Receivables from Central Bank, Money Market, and banks items Of off-balance sheet items, OFF-BALANCE SHEET ITEMS Total Changes (%) () Previous Quarter Previous End of Year Contingencies ,7 35, Commitments ,9 31,5 - Derivative Financial Instruments ,7 38,4 - Other Commitments 752-2,7 6,6 - Contingencies decreased by 6,6%; - Derivative financial assets decreased by 6,7% in September 218 when compared to the previous year-end. BRSA, Department of Data and System Management 2

5 Total Assets/GDP 1,5 1,5 1,1,96,98,87,87, June.18 Sep.18 1,1 1,,9,8,7 GDP Total Assets Total Assets/GDP The ratio of asset size of Turkish Banking Sector to GDP realized as 1,5 as of end-217. BRSA, Department of Data and System Management 3

Cash, Cash-like Items Securities Required Reserves Loans Other Deposits Due to Banks Funds From Repo Trans.

137 1.96 2. 1.75 1.5 1.12 1.25 482 489 161 386 328 95 167 167 1.492 526 156 371 1. 75 5 25 1.

realized as 46% while the ratio of total FX liabilities to total liabilities realized as 53%.

FX Total Assets Total Liabilities Other 12% Loans 61% Cash and Cash-like Items 6% Securities 12% Required Reserves 4%

3% Other 11% Due to Banks 2% Deposits 51% The share of loans, securities and required reserves in total assets

6 Cash, Cash-like Items Securities Required Reserves Loans Other Deposits Due to Banks Funds From Repo Trans. Securities Issued Equities Other Selected Balance Sheet Figures Balance Sheet Asset-Liability Items TRY The ratio of FX assets in balance sheet to total assets realized as 46% while the ratio of total FX liabilities to total liabilities realized as 53%. The share of FX loans in total loans is 42% while the ratio of FX deposit to total deposit is 52%. FX Total Assets Total Liabilities Other 12% Loans 61% Cash and Cash-like Items 6% Securities 12% Required Reserves 4% Equities 1% Securities Issued 5% Funds From Repo Trans. 3% Other 11% Due to Banks 2% Deposits 51% The share of loans, securities and required reserves in total assets realized as 61%, 12% and 4%, respectively. While deposit has the biggest share by 51% in total liabilities, share of payables to banks is 2% and funds from repo is 3%. The share of equities in total liabilities is 1%. BRSA, Department of Data and System Management 4

Other Contingencies 9% Contingencies Letters of Credit 15% Bankers Acceptance 4% Letters of

7 Off-Balance Sheet Figures Contingencies in Series June.18 Sep.18 TRY FX As of September 218, size of contingencies realized as TL 889 billion. Other Contingencies 9% Contingencies Letters of Credit 15% Bankers Acceptance 4% Letters of Guarantee for Other Guarantee 18% Uncolleteralized Letters of Guarantee 23% Letters of Guarantee for Bill Guarantee 31% As letters of guarantee is the biggest share in contingencies, share of letters of credit is 15%. BRSA, Department of Data and System Management 5

Derivative Financial Instruments 1.65 1.772 1.

217 Haz.18 Eyl.18-196 -287-311 -544-613 -791-982 -1.273-1.

746 Purchase-TRY Purchase-FX Sale-TRY Sale-FX As of

772 billion and derivative sales amount realized as TL 1.

Derivative Financial Instruments Other Derivative

Transactions 8% Money Swaps 45% 45% of derivative

8 Derivative Financial Instruments Haz.18 Eyl Purchase-TRY Purchase-FX Sale-TRY Sale-FX As of September 218, derivative purchase amount realized as TL billion and derivative sales amount realized as TL billion. Derivative Financial Instruments Other Derivative Transactions 16% Interest Rate Swaps 31% Forward FX Transactions 8% Money Swaps 45% 45% of derivative transactions in off-balance sheet items is from swap money transactions, 31% from swap interest rate transactions and 8% is from forward exchange transactions. BRSA, Department of Data and System Management 6

Development of Main Figures 3. Loan to Deposit Ratio Ratio 1,4 2.5 2. 1.5 1. 5 1,12 1,13 1,12 1,15 1,16 1,12 1,6,99,95,83 2.386 2.199 2.137 1.967 1.899 1.634 1.711 1.411 1.454 1.183 1.245 1.2 946 1.

9 Development of Main Figures 3. Loan to Deposit Ratio Ratio 1, ,12 1,13 1,12 1,15 1,16 1,12 1,6,99,95, June.18 Sep.18 Loans Deposits Loan to Deposit Ratio (Right Axis) 1,2 1,,8,6,4,2, While loans in the third quarter of the year realized as TL trillion, deposit realized as TL trillion. Conversion ratio of deposit to loans is 1,12 as of September 218. *Total loans don t include loans of development and investment banks. 25 Foreign Exchange Position June.18 Sep On-Balance Sheet FX Position Off-Balance Sheet FX Position FX Net General Position Off-balance sheet FX position has a surplus of TL 192 billion while on-balance sheet FX position has a deficit of TL 187 billion and FX Net General Position has a surplus of approximately TL 5 billion. BRSA, Department of Data and System Management 7

10 PROFITABILITY 2 Income Statement Interest Income/Expense Special Provisions for NPLs Non-Interest Income/Expense Provisions for Taxes Net Income Expense Income In the income statement of banking sector, interest income realized as TL 256 billion and interest expense realized as TL 148 billion. As of September 218, net income of Turkish Banking Sector is TL 42 billion. Net Income 16, 14, 13,96 14,17 13,13 14,95 13,5 12, 1, 8, 6, 4, 2,, 1,9 PUBLIC DOMESTIC PRIVATE FOREIGN Sep.17 Sep.18 Net income of September 218 period increased in public, domestic private and foreign bank groups when compared to the same period of 217. BRSA, Department of Data and System Management 8

11 Ratio (%) 14 Return On Equity 13,5 13, ,72 12, ,5 11 1,5 1 Ratio (%) 1,8 1,6 1,4 12,16 11,5 11,6 11,58 11,12 11,13 PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR Return On Assets 1,72 1,53 1,57 1,58 1,48 1,39 1,42 1,32 Sep.17 Sep.18 ROE of Turkish banking sector realized lower in public and domestic private, higher foreign banks group when compared to the same period of the previous year. ROA of Turkish banking sector as of September 218 realized lower as to the same period of the previous year. 1,2 1,,8,6 Sep.17 Sep.18,4,2, PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR BRSA, Department of Data and System Management 9

LOANS 2.5 2. 1.5 1. 5 526 142 384 683 198 485 795 26 588 1.

131 2.98 684 1.414 2.353 84 2.588 1.96 1.513 1.

18 TRY FX As of September 218, total loans amount to TL 2.

492 billion of the mentioned amount is comprised of TL loans while TL 1.

Distribution of Loans SME Loans 26% Consumer Loans and Credit Cards 2%

12 LOANS Loans (TRY - FX) June.18 Sep.18 TRY FX As of September 218, total loans amount to TL billion and TL billion of the mentioned amount is comprised of TL loans while TL 1.96 billion is comprised of FX loans. Distribution of Loans SME Loans 26% Consumer Loans and Credit Cards 2% Commercial and Corporate Loans 54% Share of commercial and corporate loans is 54%, share of SMEs loans is 26% and share of consumer loans (including credit cards) is 2% in total loans. BRSA, Department of Data and System Management 1

13 2.5 Development of Loans by Types June.218 Sep.218 Consumer Loans and Credit Cards SME Loans Commercial and Corporate Loans As of September 218; commercial and corporate loans realized as TL 1.48 billion, SMEs loans as TL 663 billion while consumer loans and credit cards realized as TL 517 billion. Selected Sector Loans to Total Loans Whole Sale and Brokarage 12,42 Construction 8,17 Electric, Gas and Water Resources 7,27 Retail Trade and Personal Products Agriculture Research, Consulting, Advertising and Other Activities Textile and Textile Products Industry Main Metal Industry Food, Beverage and Tobacco Industry Hotels 3,72 3,55 3,52 3,33 3,26 2,62 2,39, 2, 4, 6, 8, 1, 12, 14, The share of wholesale trade and brokerage sector in total loans is 12,42% and share of construction sector is 8,17%. BRSA, Department of Data and System Management 11

14 SMEs Loans The Definition of SMEs was updated. The Definition of SMEs was updated , June.18 Sep.18 4 Micro Enterprises Small Enterprises Medium Enterprises According to operating classes, medium enterprises SMEs loans increased when compared to the previous quarter Consumer Loans Jun.18 Sep.18 Housing Vehicle Personel Finance Credit Cards In September 218 period, consumer loans increased as to the previous quarter and realized as TL 518 billion. Housing loans, credit cards as well as personal finance loans realized as TL 197 billion, TL 12 billion and TL 212 billion, respectively. BRSA, Department of Data and System Management 12

15 Distribution of Consumer Loans Consumer Credit Cards 2% Personel Finance 41% Housing 38% In consumer loans, the share of personal finance loans is 41%, housing loans 38% and share of credit cards is 2%. Vehicle 1% Consumer Credit Cards Jun.18 Sep.18 Installment Non Installment Personal credit cards amount is the same when compared to the previous period and realized as TL 12 billion in September 218. BRSA, Department of Data and System Management 13

16 Non-performing Loans Non-Performing Loans Jun.18 Sep.18 Consumer Loans and Credit Cards SMEs Loans Commercial Loans As of September 218, gross amount of NPLs is TL 86 billion. Ratio Non-Performing Loans Ratio 3,66 2,7 2,86 2,75 2,85 3,1 3,24 3,3 3,22 2, Jun.18 Sep.18 Non-Performing Loans Ratio Consumer and Credit Cards NPLs Ratio Commercial NPLs Ratio SMEs NPLs Ratio NPLs to Loans ratio in banking sector realized as 3,22% in September 218. BRSA, Department of Data and System Management 14

17 Selected Sectors NPLs Ratios Whole Sale and Brokarage 3,68 Construction 3,3 Electric, Gas and Water Resources 2,71 Retail Trade and Personal Products 3,1 Agriculture 3,76 Research, Consulting, Advertising and Other 1,41 Textile and Textile Products Industry Main Metal Industry 2,35 2,35 Food, Beverage and Tobacco Industry Hotels 4,17 4,1, 1, 2, 3, 4, 5, Ratio NPLs to Loans ratio in sectoral loans realized as 3,68% in wholesale trade and brokerage, 3,3% in construction sector and 3,1% in retail trade and personal products sector. Ratio Consumer NPLs Ratios 4,13 4,28 4,3 2,88 2,95 2,87 3,38 3,46 3,21 3, Jun.18 Sep.18 Consumer (Credit Cards Included) NPLs Ratio Housing NPLs Ratio Consumer Credit Cards NPLs Ratio Vehicle NPLs Ratio Personal Finance NPLs Ratio NPLs to Loans ratio of consumer loans (including personal credit cards) realized as 3,34% in September 218 period. BRSA, Department of Data and System Management 15

Securities Securities 6 5 4 352 33 288 285 27 287 32 3 84 12 81 95 88 66 86 2 186 187 196 196 219 242 246 1 489 42 432 29 119 175 267 236 258 7 1 8 5 3 3 3 15 21 22 21 211 212 213 214 215 216 217

Distribution of Securities Eurobonds Issued by Treasury 26% Ijara Certificates Issued Domestically and Abroad by the Treasury 3% Other 7% Government Bonds 64% 64% of securities are comprised of

18 Securities Securities Jun.18 Sep.18 Securities Held for Trading Securities Available for Sale Securities Held to Maturity Total securities increased when compared to the previous quarter and realized as TL 489 billion. Distribution of Securities Eurobonds Issued by Treasury 26% Ijara Certificates Issued Domestically and Abroad by the Treasury 3% Other 7% Government Bonds 64% 64% of securities are comprised of Government bonds, 26% are Eurobonds issued by Treasury and 3% are comprised of Ijara certificates issued domestically and abroad by the treasury (sukuk). BRSA, Department of Data and System Management 16

19 Deposits Deposits Jun.18 Sep.18 TRY Deposits FX Deposits Precious Metals TL 1.35 billion of total deposits is comprised of TL Deposits /Participation Funds, TL 1.62 billion comprised of FX Deposits Account/Participation Funds and TL 4 billion is comprised of precious metals accounts. Distribution of Deposits Precious Metals 2% FX Deposits 5% TRY Deposits 48% 48% of total Deposits are TRY Deposits/Participation funds, 5% of FX Deposits/Participation funds and 2% of Precious Metals. BRSA, Department of Data and System Management 17

Deposits According to Types Commercial and Other

3% Natural Persons Deposits 61% While 61% of deposits

of commercial and other institutions deposits is 36%

1 Year and More Between 5% 6-12 Months 3% Between 3-6

1-3 Months 54% Demand Deposits 22% Up to 1 Month 12%

their opening maturities is 22% and share of 1-3

20 Deposits According to Types Commercial and Other Instutions Deposits 36% Official Instutions Deposits 3% Natural Persons Deposits 61% While 61% of deposits are comprised of natural person deposits, the share of commercial and other institutions deposits is 36% and share of official institutions' deposits is 3%. 1 Year and More Between 5% 6-12 Months 3% Between 3-6 Months 4% Deposits According to Maturity(%) Between 1-3 Months 54% Demand Deposits 22% Up to 1 Month 12% The share of demand deposits in total deposits by their opening maturities is 22% and share of 1-3 month deposits is 54%. BRSA, Department of Data and System Management 18

21 Payables to Banks and Repo Transactions 7 6 Payables to Banks Jun.18 Sep.18 TRY FX Payables to banks amount to a total of TL 686 billion as TL 52 billion Turkish Lira and TL 634 billion FX Funds From Repo Transactions Jun.18 Sep.18 TRY FX Funds amount from Repo transactions increased when compared to the previous quarter and realized as TL 144 billion in September 218. BRSA, Department of Data and System Management 19

Capital Adequacy Capital Adequacy Ratio % 3. 2.5 2. 18,97 16,55 17,86 15,28 16,28 15,57 15,57 16,85 16,26 18,8 2 15 1.5 1. 5 2.842 2.95 1 2.484 2.23 1.967 1.663 1.

18 Regulatory Capital Risk Weighted Assets Capital Adequacy Standard Ratio (Right Axis) Capital adequacy ratio of Turkish Banking Sector realized as 18,8 % in September

22 Capital Adequacy Capital Adequacy Ratio % ,97 16,55 17,86 15,28 16,28 15,57 15,57 16,85 16,26 18, Jun.18 Sep.18 Regulatory Capital Risk Weighted Assets Capital Adequacy Standard Ratio (Right Axis) Capital adequacy ratio of Turkish Banking Sector realized as 18,8 % in September 218. % Capital Adequacy Ratio Sector Sector %18,8 18, ,54 17,59 19,4 Public Private Foreign By bank ownership groups, capital adequacy of foreign banks is above the sector average by 19,4 %. BRSA, Department of Data and System Management 2

% Capital Adequacy Ratio 3 25 2 15 24,68 Sector Sector %18,8 1 17,67 17,91 5 Commercial Participation Investment By function groups, capital adequacy ratio

Value at Operational Risk 7% Value at Market Risk 3% Risk Weighted Items Value at Credit Risk 9% In capital adequacy calculation, 9% of riskweighted assets is

23 % Capital Adequacy Ratio ,68 Sector Sector %18,8 1 17,67 17,91 5 Commercial Participation Investment By function groups, capital adequacy ratio realized as 17,67%, 17,91% and 24,68% for deposits banks, participation banks as well as development and investment banks, respectively. Value at Operational Risk 7% Value at Market Risk 3% Risk Weighted Items Value at Credit Risk 9% In capital adequacy calculation, 9% of riskweighted assets is comprised of amount subject to credit risk, 7% comprised of amount subject to operational risk and 3% comprised of amount subject to market risk. BRSA, Department of Data and System Management 21

24 EXPLANATIONS In Turkish Banking Sector Main Financial Data publication prepared by the Banking Regulation and Supervision Agency (BRSA), statistical information on selected financial statements of banks are prepared by using non-consolidated temporary financial statements. Gross Domestic Product (GDP) is the data on current prices published by Turkish Statistical Institute. Resource of the information published is the periodical reports taken via Bank Reporting System and sent by banks on electronic media. Mentioned periodic information may change after its publication due to the updates made by various reasons. Monetary amounts published, unless stated otherwise, is TL Billion and there may be differences in some sub-groups arising from arithmetic sum and rounding. Detailed data by sector, bank groups and function groups can be accessed from Turkish Banking Sector Interactive Monthly Bulletin application. Data and explanations on the scope of data in Interactive Monthly Bulletin are also valid for the data included in this publication. Department of Data and System Management Banking Regulation and Supervision Agency September 218 BRSA, Department of Data and System Management 22

25 BRSA, Department of Data and System Management 23

TABLE OF CONTENTS. BRSA, Department of Data and System Management 2

TABLE OF CONTENTS. BRSA, Department of Data and System Management 2 TABLE OF CONTENTS Number of Banks, Branches and Personnel... 1 Selected Balance-Sheet Items... 2 On-balance Sheet Figures... 4 Off-balance Sheet Figures... 5 Development of Main Figures..... 7 Profitability...