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 December 217, there are 51 banks operating in Turkish Banking Sector as; Deposit banks, Development and Investment banks, and Participation banks. COMMERCIAL DEVELOPMENT and INVESTMENT PARTICIPATION Number of Branches Total Total PUBLIC PUBLIC PRIVATE 4.25 FOREIGN December 217 Number of Personnel PRIVATE FOREIGN Number of branches and personnel in banking sector decreased by 78 and 1392, respectively when compared to the previous quarter (September 217). As of December 217 period, number of branches realized as while number of personnel realized as December 217 BRSA, Department of Data and System Management 1

4 Selected Balance Sheet Items () Previous Quarter Previous End of Year CASH and CASH-LIKE ITEMS* 262 2,9 17,6 REQUIRED RESERVES 227 2,3 23,1 LOANS ,2 21, NON-PERFORMING LOANS (GROSS) 64 1,9 1, SECURITIES 42 6,9 14,3 OTHER ASSETS 27 9,4 13,1 TOTAL ASSETS ,7 19,3 LIABILITIES ASSETS Total Changes (%) DEPOSITS ,6 17,7 DUE TO BANKS ,1 13,8 FUNDS FROM REPO TRANSACTIONS 99 1,9-28,2 SECURITIES ISSUED 145 7,9 25,1 EQUITIES 359 4,1 19,6 OTHER LIABILITIES ,1 53,3 TOTAL LIABILITIES ,7 19,3 * Sum of Cash, Receivables from Central Bank, Money Market, and banks items Total assets of Turkish Banking Sector increased by 6,7% to TL billion in December 217 when compared to the previous year-end. Of off-balance sheet items, OFF-BALANCE SHEET ITEMS Total Changes (%) () Previous Quarter Previous End of Year Contingencies 658 6,4 19,2 Commitments ,2 3,5 - Derivative Financial Instruments ,9 29, - Other Commitments 75-1,4 36,2 - Contingencies increased by 6,4%; - Derivative financial assets increased by 1,9% in December 217 when compared to the previous year-end. BRSA, Department of Data and System Management 2

5 ,87,87,87 Total Assets/GDP,96,98 1,1 1, Sep.217Dec.217 GDP Total Assets Total Assets/GDP The ratio of asset size of Turkish Banking Sector to GDP realized as 1,5 as of end-216. Ratio 1,1 1,,9,8,7 BRSA, Department of Data and System Management 3

Selected Balance Sheet Figures Balance Sheet Asset-Liability Items 2.98 2.25 684 2. 1.75 1.711 1.5 1.25 756 1.

414 27 61 29 75 5 25 955 475 441 34 99 145 53 12 46 43 359 5 468 172 354 296 TRY The ratio of FX assets in balance sheet to

The share of FX loans in total loans is 33% while the ratio of FX deposit to total deposit is 44%.

11% Securities Issued 4% Funds From Repo Trans.

6 Selected Balance Sheet Figures Balance Sheet Asset-Liability Items TRY The ratio of FX assets in balance sheet to total assets realized as 39% while the ratio of total FX liabilities to total liabilities realized as 47%. The share of FX loans in total loans is 33% while the ratio of FX deposit to total deposit is 44%. FX Total Assets Total Liabilities Other 8% Loans 65% Cash and Cash-like Items 6% Securities 12% Required Reserves 7% Equities 11% Securities Issued 4% Funds From Repo Trans. 3% Other 9% Due to Banks 2% Deposits 53% The share of loans, securities and required reserves in total assets realized as 65%, 12% and 7%, respectively. While deposit has the biggest share by 53% in total liabilities, share of payables to banks is 2% and funds from repo is 3%. The share of equities in total liabilities is 11%. BRSA, Department of Data and System Management 4

Off-Balance Sheet Figures 7 Contingencies in Series 618 658 6 552 5 459

217 TRY FX As of December 217, size of contingencies realized as TL 658

Other Contingencies 9% Contingencies Letters of Credit 14% Bankers

Uncolleteralized Letters of Guarantee 22% Letters of Guarantee for Bill

7 Off-Balance Sheet Figures 7 Contingencies in Series Sep.217 Dec.217 TRY FX As of December 217, size of contingencies realized as TL 658 billion. Other Contingencies 9% Contingencies Letters of Credit 14% Bankers Acceptance 4% Letters of Guarantee for Other Guarantee 19% Uncolleteralized Letters of Guarantee 22% Letters of Guarantee for Bill Guarantee 32% As letters of guarantee is the biggest share in contingencies, share of letters of credit is 14%. BRSA, Department of Data and System Management 5

Derivative Financial Instruments 1.25 1.269 989 545 612 793 195 289 31 21 211 212 213 214 215 216 Sep.217 Dec.

273 Purchase-TRY Purchase-FX Sale-TRY Sale-FX As of December 217, derivative purchase amount realized as TL 1.

Derivative Financial Instruments Interest Rate Swaps 25% Other Derivative Transactions 14% Forward FX Transactions

8 Derivative Financial Instruments Sep.217 Dec Purchase-TRY Purchase-FX Sale-TRY Sale-FX As of December 217, derivative purchase amount realized as TL billion and derivative sales amount realized as TL billion. Derivative Financial Instruments Interest Rate Swaps 25% Other Derivative Transactions 14% Forward FX Transactions 9% Money Swaps 52% 52% of derivative transactions in off-balance sheet items is from swap money transactions, 25% from swap interest rate transactions and 9% is from forward exchange transactions. BRSA, Department of Data and System Management 6

Development of Main Figures 2.5 Loan to Deposit Ratio Ratio 1,4 2. 1.5,83,95,99 1,6 1,12 1,13 1,12 1,16 1,16 1,2 1,,8 1. 5 51 66 764 617 695 772 1.2 946 1.183 1.53 1.411 1.245 1.634 1.454 1.892 1.

988 trillion, deposit realized as TL 1.711 trillion. Conversion ratio of deposit to loans is 1,16 as of December 217. *Total loans doesn t include loans of development and investment banks.

9 Development of Main Figures 2.5 Loan to Deposit Ratio Ratio 1, ,83,95,99 1,6 1,12 1,13 1,12 1,16 1,16 1,2 1,, ,6,4, Sep.217 Dec.217 Loans Deposits Loan to Deposit Ratio (Right Axis) While loans in the fourth quarter of the year realized as TL trillion, deposit realized as TL trillion. Conversion ratio of deposit to loans is 1,16 as of December 217. *Total loans doesn t include loans of development and investment banks., 2 Foreign Exchange Position Sep.217 Dec On-Balance Sheet FX Position Off-Balance Sheet FX Position FX Net General Position Off-balance sheet FX position has a surplus of TL 184 billion while on-balance sheet FX position has a deficit of TL 182 billion and FX Net General Position has a surplus of approximately TL 2 billion. BRSA, Department of Data and System Management 7

10 PROFITABILITY 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 247 billion and interest expense realized as TL 134 billion. As of December 217, net income of Turkish Banking Sector is TL 49 billion. 2, 18, 16, 14, 12, 1, 8, 6, 4, 2,, Net Income 18,17 17,38 13,5 14,17 13,57 9,85 PUBLIC DOMESTIC PRIVATE FOREIGN Dec.216 Dec.217 Net income of December 217 period increased in public, domestic private and foreign bank groups when compared to the same period of 216. BRSA, Department of Data and System Management 8

11 Ratio (%) 18 17, , Return On Equity 15,17 15,57 14,61 14,28 12,85 16, Ratio (%) 2,2 2, 1,8 1,6 1,4 PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR 2,18 2,1 Return On Assets 2,4 1,98 1,9 1,95 1,89 1,64 Dec.216 Dec.217 ROE of Turkish banking sector realized higher in public and domestic private and foreign banks group when compared to the same period of the previous year. ROA of Turkish banking sector as of December 217 realized higher as to the same period of the previous year. 1,2 1,,8 Dec.216 Dec.217,6,4,2, PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR BRSA, Department of Data and System Management 9

47 295 753 Loans (TRY - FX) 1.241 36 881 1.485 472 1.13 1.

414 21 211 212 213 214 215 216 Sep.217 Dec.

loans while TL 684 billion is comprised of FX loans.

Credit Cards 23% Commercial and Corporate Loans 52% Share

12 LOANS Loans (TRY - FX) Sep.217 Dec.217 TRY FX As of December 217, total loans amount to TL 2.98 billion and TL billion of the mentioned amount is comprised of TL loans while TL 684 billion is comprised of FX loans. Distribution of Loans SME Loans 25% Consumer Loans and Credit Cards 23% Commercial and Corporate Loans 52% Share of commercial and corporate loans is 52%, share of SMEs loans is 23% and share of consumer loans (including credit cards) is 25% in total loans. BRSA, Department of Data and System Management 1

13 Development of Loans by Types Sep.217 Dec.217 Consumer Loans and Credit Cards SME Loans Commercial and Corporate Loans As of December 217; commercial and corporate loans realized as TL 1.97 billion, SMEs loans as TL 513 billion while consumer loans and credit cards realized as TL 488 billion. Selected Sector Loans to Total Loans Whole Sale and Brokarage Construction 8,64 9,2 Electric, Gas and Water Resources 6,66 Retail Trade and Personal Products Agriculture 4,6 3,99 Research, Consulting, Advertising and Other Activities Textile and Textile Products Industry Main Metal Industry Food, Beverage and Tobacco Industry 3,32 3,15 2,96 2,96 Hotels 2,27, 1, 2, 3, 4, 5, 6, 7, 8, 9, 1, The share of wholesale trade and brokerage sector in total loans is 9,2% and share of construction sector is 8,64%. BRSA, Department of Data and System Management 11

14 SMEs Loans 55 5 The Definition of SMEs was updated September 217 Micro Enterprises Small Enterprises Medium Enterprises December 217 According to operating classes, SMEs loans increased when compared to the previous quarter Consumer Loans Sep.217 Dec.217 Housing Vehicle Personel Finance Credit Cards In December 217 period, consumer loans increased as to the previous quarter and realized as TL 489 billion. Housing loans, credit cards as well as personal finance loans realized as TL 192 billion, TL 91 billion and TL 199 billion, respectively. BRSA, Department of Data and System Management 12

15 Distribution of Consumer Loans Consumer Credit Cards 19% Housing 39% In consumer loans, the share of personal finance loans is 41%, housing loans 39% and share of credit cards is 19%. Personel Finance 41% Vehicle 1% Consumer Credit Cards Installment Non Installment Personal credit cards amount increased when compared to the previous period and realized as TL 91 billion in December 217. BRSA, Department of Data and System Management 13

16 Non-performing Loans Non-Performing Loans Sep.217 Dec.217 Consumer Loans and Credit Cards SMEs Loans Commercial Loans As of December 217, gross amount of NPLs is TL 64 billion. Ratio Non-Performing Loans Ratio 3,66 2,7 2,86 2,75 2,85 3,1 3,24 3,5 2, Sep.217 Dec.217 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 2,96% in December 217. BRSA, Department of Data and System Management 14

17 Selected Sectors NPLs Ratios Whole Sale and Brokarage 4,36 Construction 3,46 Electric, Gas and Water Resources,45 Retail Trade and Personal Products 3,8 Agriculture 2,8 Research, Consulting, Advertising and Other,95 Textile and Textile Products Industry Main Metal Industry Food, Beverage and Tobacco Industry 3,31 3,17 3,33 Hotels 2,44, 1, 2, 3, 4, 5, Ratio NPLs to Loans ratio in sectoral loans realized as 4,36% in wholesale trade and brokerage, 3,46% in construction sector and 3,8% in retail trade and personal products sector. Ratio Consumer NPLs Ratios 4,13 4,28 4,54 2,88 2,95 2,87 3,38 3,62 3, Sep.217 Dec.217 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 3,46% in December 217 period. BRSA, Department of Data and System Management 15

Securities 45 4 35 3 25 288 285 287 27 95 88 66 86 Securities 32 81 33 84 352 12 376 17 42 119 2 15 1 186 187 196 196 219 243 246 263 267 5 7 1 8 5 3 3 3 5 15 21 211 212 213 214

217 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 42

18 Securities Securities Sep.217 Dec.217 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 42 billion. Distribution of Securities Eurobonds Issued by Treasury 23% Other 6% 67% of securities are comprised of Government bonds, 23% are Eurobond issued by Treasury and 4% are comprised of sukuk. Ijara Certificates Issued Domestically and Abroad by the Treasury 4% Government Bonds 67% BRSA, Department of Data and System Management 16

19 Deposit Deposits Sep.217 Dec.217 TRY Deposits FX Deposit Precious Metal TL 954 billion of total deposits is comprised of TL Deposits /Participation Funds, TL 732 billion comprised of FX Deposits Account/Participation Funds and TL 24 billion is comprised of precious metals accounts. Distribution of Deposit FX Deposit 43% Precious Metal 1% TRY Deposits 56% 56% of total Deposit is TRY Deposit/Participation funds, 43% of FX Deposit/Participation funds and 1% of Precious Metal. BRSA, Department of Data and System Management 17

20 Deposit According to Types Official Instutions Deposit 5% Commercial and Other Instutions Deposit 36% Natural Persons Deposit 59% While 59% of deposits is comprised of natural person deposits, the share of commercial and other institutions deposit is 36% and share of official institutions' deposit is 5%. Between 6-12 Months 4% Between 3-6 Months 4% Deposit According to Maturity(%) 1 Year and More 4% Between 1-3 Months 53% Demand Deposit 21% Up to 1 Month 14% The share of demand deposit in total deposits by their opening maturities is 21% and share of 1-3 month deposits is 53%. BRSA, Department of Data and System Management 18

21 Payables to Banks and Repo Transactions Payables to Banks Sep.217 Dec.217 TRY FX Payables to banks amount to a total of TL 475 billion as TL 34 billion Turkish Lira and TL 441 billion FX Funds From Repo Transactions Sep.217 Dec.217 TRY FX Fund amount from Repo transactions increased when compared to the previous quarter and realized as TL 99 billion in December 217. BRSA, Department of Data and System Management 19

22 Capital Adequacy Capital Adequacy Ratio % ,97 16,55 17,86 15,28 16,28 15,56 15,57 17,2 16, Sep.217 Dec.217 Regulatory Capital Risk Weighted Assets Capital Adequacy Standard Ratio (Right Axis) Capital adequacy ratio of Turkish Banking Sector realized as 16,87 % in December 217. % Capital Adequacy Ratio Sector %16, ,41 17,26 24,4 5 Public Private Foreign By bank ownership groups, capital adequacy of foreign banks is above the sector average by 24,4 %. BRSA, Department of Data and System Management 2

% Capital Adequacy Ratio 25 2 15 23,59 Sector Sector 16,87 %16,87

groups, capital adequacy ratio realized as 16,46%, 16,98% and

development and investment banks, respectively.

Weighted Items Value at Credit Risk 9% In capital adequacy

subject to credit risk, 8% comprised of amount subject to

23 % Capital Adequacy Ratio ,59 Sector Sector 16,87 %16, ,46 16,98 5 Commercial Participation Investment By function groups, capital adequacy ratio realized as 16,46%, 16,98% and 23,59% for deposit banks, participation banks as well as development and investment banks, respectively. Value at Operational Risk 8% Value at Market Risk 2% Risk Weighted Items Value at Credit Risk 9% In capital adequacy calculation, 9% of riskweighted assets is comprised of amount subject to credit risk, 8% comprised of amount subject to operational risk and 2% 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 December 217 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...