2007 BRSA RESULTS INVESTOR PRESENTATION
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1 2007 BRSA RESULTS INVESTOR PRESENTATION
2
3 TSKB APPENDICES
4 TSKB at a Glance... Ownership Structure* Main Subsidiaries 50.1% 8.4% 41.5% Free Float** Yatırım Finansman Securities İş Leasing TSKB Real Estate Appraisal TSKB Real Estate Investment Trust * 53 % of stocks are quoted at ISE. **22.2% foreign participation (41.8% of the free float stocks) Financial Summary (USD mn) Assets 4,195 Credit Rating Loans 2,393 B1 Equity 634 Net Income 127 BB Paid in Capital 400 mn TRY 4
5 Core Business Lines CORPORATE & DEVELOPMENT BANKING INVESTMENT BANKING ASSET MANAGEMENT TREASURY CORPORATE LOANS M&A MUTUAL FUNDS FIXED INCOME Longstanding relations with solid corporate base (more than 4000 companies) Well-diversified sector coverage Best M&A House by Euromoney Awards for Excellence in 2005 Ranking 1st in assets Under management/ per branch Proactive management of portfolio structure MM & FX Access to long-term funds from supranationals IPOs Good ranking in fund performance listing Liquidity & Cashflow Management PROJECT FINANCE Experience in M&L Term Financing i for larger scale projects, carried out in a syndicated structure directed towards specific sectors promoted by TSKB... Best Local Partner of International investment banks in leading IPOs SECURITIES & BROKERAGE PORTFOLIO MANAGEMENT Succesful management of market environment via diversified portfolios Trade-oriented approach both in FX and MM activities TMU One-stop shopping place for our clients to satisfy all their financial needs TRADE FINANCE Private Banking Distribution network through Consistent level of DERIVATIVES Diversification of income Through product scheme&income its network and its subsidiary YFAS Earning while managing risk A wide range of traditional and innovative derivative products 5
6 Medium&Long Term Funds by Multilateral Agencies European Investment Bank (EIB) World Bank (IBRD) Japan Bank for International Cooperation (JBIC) Kreditanstalt für Wiederaufbau (KfW) Council of Europe Development Bank (CEB) International Finance Corporation (IFC) Agence Française de Développement (AFD) Instituto de Credito Oficial of the Kingdom of Spain 6
7 Funding Base 14,0% 4,2% 2,4% 25,5% By Sources 7,3% EIB 6,5% 1,9% 33,9% 4,3% AFD CEB IFC IBRD JBIC KfW Other Syndication Avg. Maturity of L/T Largest share in Borrowings is TSKB s funding 7 yrs. base belongs to EIB, followed by IBRD Currency Risk Structure (USD mn) (mn USD) USD EUR JPY Total Total Assets 1,337 1, ,710 Total Liabilities 1,300 1, ,758 Net On-Balance Sheet Position Net Off-Balance Sheet Position Net % of Total Assets and 66% of Total Liabilities are F/C denominated 7
8 Sustainable Growth Over the Years Total Assets (USD mn) Funds Borrowed (USD mn) % of the Long Term Funds borrowed are guaranteed by the Turkish Treasury Total Loans (USD mn) Shareholders Equity (USD mn) Loans/Assets % is 57%, one of the % highest ratio % 60% 57% in the sector. 53% 50% % 30% 8
9 Balance Sheet Composition Assets Liabilities and Equity 10% 6% 7% 3% 2% 3% 17% 15% 15% 53% 61% 57% 80% 84% 82% 37% 33% 36% Liquid Assets Loans Others Borrowings Equity Others 9
10 Loan Book NPL Ratio vs. Coverage Ratio Well Diversified Loan Portfolio 6% 5% 4% 3% 2% 0% -1% 100% 2,4% 1,3% 120% 100% 80% 60% 0,7% 40% 20% 0% NPL s are low and fully provisioned 28% 2% 3% 3% 3% 3% 4% 12% 4% 5% FINANCE ENERGY PRODUCTION 7% 6% 5% 5% 5% 5% ENERGY DISTRIBUTION TRANSPORTATION & COMMUNICATI ON OTHER TOURISM FOOD METALS TEXTILE OTHER MINING OTHER PRODUCTION CHEMISTRY CONSTRUCTION VEHICLE PRODUCTION PLASTICS SOCIAL SERVICES FX Composition of the Loan Book Avg. Maturity of Loan Book is % 53 EUR % 44 USD 5 yrs. % 2 JPY % 1 YTL 10
11 Renewable Energy Loans and Syndications Electricity Production Totally 715 mn USD loan amount is allocated for MW capacity. Utilization is continuing. Investments Financed 37 HEPPs Total MW 2 WPPs Total 53 MW 2 GPPs Total 57 MW Others - Total 11 MW Natural Gas Pipeline Natural Gaz Distribution of 17 Regions mn $ Syndicated d Loans Syndications arranged by international banks for acquisition & project finance within last 3 years Share in 7.4 bn $ cash loan syndication 420 mn $ Share in 3.5 bn $ non-cash syndication 175 mn $ 11
12 Securities Portfolio Securities Portfolio (USD mn) Average Maturity (Years) FC TRY Breakdown of Securities Portfolio ,61 2,65 4,25 2,04 2,99 8,2 TL Securities FX Securities FX Floating 20% FX Floating Total Securities Zero 5% Portfolio is Zero Coupon TL Coupon Bonds Floating classified as Bonds 43% 38% Available for 47% 14% FX Sale TL Floating 24% FX Fixed Fixed 14%
13 Sufficient Capitalisation Capital Base (USD mn) Capital Adequacy Ratio Tier I Capital Tier II Capital Deductions % 33% 28% Free Capital Risk Weighted Assets Market Risk Credit Risk Operational Risk 0% 0% 8% 10,4% 9,6% 9,9% 9% 80% 97% 86% 20% 3% 7% 13
14 Income Statement Net Profit (USD mn) Income Composition 5% 3% 18% 36% % 61% Interest Income (USD mn) Net Commissions Other Income Adj. NII Breakdown of Interest Income Share of IEA in TA is 93% 55% 46% Loans % 54% Liquid Assets
15 Financial Summary Income Statement Loan Spread (000 USD) Change Adj. Net Interest Income 100, ,393 19% Net Commissions 7,144 5,920-17% Released Provisions 12,409 12,660 2% Other Operating Income 11,117 57, % Net Banking Income 130, ,951 50% Personnel Expenses 16,979 22,674 34% 2,4 2,3 2,3 Adm. Expenses 4, ,069 57% Net Interest Margin Other Op. Expenses 12,128 7,278-40% Operating Profit 97, ,930 63% Provision Charges (2) - 5,136-12, % Tax Provision - 16,699-19,881 19% Net Profit 75, ,702 68% 5,3 4,1 3,4 Exchange Rate (USD/YTL)
16 Financial Highlights Ratios CAR 36.8 % 32.9 % 27.6 % Financials (USD mn) Assets 2,470 2,881 4,195 Free Capital 10.4 % 9.6 % 9.9 % Liquid Assets ,530 Cost to income % 18.9 % Loans 1,306 1,757 2,393 NIM 5.3 % 4.1% 3.4 % Partic ROAE 21.4 % 18.7 % 22.2 % ROAA 3.5 % 2.9 % 3.3 % Funds borrowed 1,581 2,423 3,444 Equity
17 Investment Banking-1 Corporate Finance Scope of Business M&A Public Offerings Strategic Consultancy Buy-Side Advisory Sabiha Gökçen Airport (Buyer side advisory services provided to Limak Holding.) Sell-Side Advisory TCDD Port of Izmir Port TCDD Port of Derince Port Ticaret Leasing Ticaret Securities Gübretaş Iskenderun Sarıseki Facilities HOB Paint (continues) Highways and Bridges (continues) Share Offering A firm in energy sector (continues) TSKB REIT Bond Offering Project on Eurobond issue for a Holding has actually initiated. Valuation & Feasibility Studies -15 valuation studies were completed in
18 Investment Banking-2 Securities department supplies high net worth individuals with tailor-made sophisticated financial products that are designed with a global perspective, and augments the crossselling matrix of the bank. Income Composition Repo T-Bills & Bonds Equity IPO Mutual Funds Sec.back.loan Research activities shore up portfolio investment, corporate finance and all TSKB departments that operate in the secondary market. As such, TSKB Research covers fixed income, equity, market strategy and economics, o cs, and all related sectoral information o therein. Macroeconomic analysis and synthesis lay on forecasting tools and other pertinent formal modelling devices Fwrds & Futures Asset Manag. Options FX trans. Other 18
19 TSKB APPENDICES
20 TSKB s Fitch Ratings (Nov 2007) TSKB s Moody s Ratings (April 2007) Foreign and Local Currency Financial i Strenght Rating D+ Outlook (FSR) Stable Long Term Foreign Currency BB- Long Term Foreign Currency B1/NP Long Term Local Currency BB + Local Currency Deposit Baa1/P2 Short Term B Outlook Stable National Outlook Individual Support 3 AA+ (tur) Stable Turkey: Sovereign Rates C/D S&P Jun 28, 2006 BB- Stable TSKB s Main Shareholders Fitch Ratings Moody s May 09, 2007 Ba3 Stable LTFC Outlook Support Individual id Fitch Dec 12, 2007 BB Stable İş Bank BB Stable 4 C Vakıfbank BB- Stable 4 C/D 20
21 Awards European Transport Deal of the Year by Euromoney for Mersin Port 2008 European Renewables Geothermal Deal of the Year by Euromoney for Gurmat 2008 EMEA Infrastructure Deal of the Year by PFI for Mersin Port 2008 Best Real Estate Advisor in Turkey 2005 Best M&A House in Turkey by Euromoney 2005 Best Local Partner by Euromoney Awards for Excellence
22 Certificate 22
23 Contacts Meclisi Mebusan Caddesi, No:81, Fındıklı Istanbul/TURKEY INVESTOR RELATIONS Tel: Fax:
24 Disclaimer The information in this document has been obtained by Türkiye Sınai Kalkınma Bankası A.S. ( TSKB ) from sources believed to be reliable, however, TSKB cannot guarantee the accuracy, completeness, or correctness of such information. This document has been issued for information purposes only. The financial reports and statements announced by TSKB to the public and the relevant corporations are accepted to be the sole material. TSKB does not accept any liability whatsoever for any direct or consequential loss arising from any use of this document or its contents due to the misleading information in this document. All estimations contained in this document are the opinions of TSKB and can be subject to change without notice. This document can not be interpreted as an advice, offer to sell, or an invitation to subscribe for or purchase, any of the shares in any jurisdiction to any person or to the investors and TSKB can not be held responsible for the results of investment decisions made on account of this document. This document has been issued specially to the person, whom the document is concerned and may not be reproduced, distributed or shared with third parties for any purpose. The distribution of this document in certain jurisdictions may be restricted by law. Persons into whose possession this document comes are required by TSKB and the managers to inform themselves about and to observe any such restrictions. No persons has been authorized to give any information or to make any representation. In making an investment decision, investors must rely on their own examination of TSKB, including the merits and risks involved. This document is personal to whom it is delivered by the managers. 24
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