TABLE OF CONTENTS - BDDK · operating in Turkish Banking Sector as; •34 Deposit banks, •13...
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Transcript of TABLE OF CONTENTS - BDDK · operating in Turkish Banking Sector as; •34 Deposit banks, •13...
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.................................................................................... 8
Loans............................................................................................. 10
Non-Performing Loans.................................................................. 14
Securities....................................................................................... 16
Deposits........................................................................................ 18
Payables to Banks and Repo………................................................. 20
Capital Adequacy........................................................................... 21
Explanations.................................................................................. 23
BRSA, Department of Data and System Management 1
34
13
6
0
5
10
15
20
25
30
35
40
COMMERCIAL DEVELOPMENT and INVESTMENT PARTICIPATION
Total Number of Banks
PUBLIC3.957
PRIVATE 3.776
FOREIGN3.611
0
500
1.000
1.500
2.000
2.500
3.000
3.500
4.000
4.500
March 2020
Total
Number of Branches
PUBLIC
66.946
PRIVATE
69.840FOREIGN
67.328
0
10.000
20.000
30.000
40.000
50.000
60.000
70.000
80.000
March 2020
Total Number of Personnel
As of March 2020,
there are 53 banks
operating in Turkish
Banking Sector as;
•34 Deposit banks,
•13 Development and
Investment banks,
•6 Participation banks.
Number of branches
and personnel in
banking sector
decreased by 29 and
512, respectively when
compared to the
previous quarter (March
2020).
As of March 2020
period, number of
branches realized as
11.344 while number of
personnel realized as
204.114.
Number of Banks, Branches and Personnel
BRSA, Department of Data and System Management 2
(Billion TL)
Previous End of
Year
CASH and CASH EQUIVALENTS* 460 2,2
REQUIRED RESERVES 193 -0,1
LOANS 2.897 9,1
NON-PERFORMING LOANS (GROSS) 152 0,5
SECURITIES 748 13,2
OTHER ASSETS 575 8,4
TOTAL ASSETS 4.873 8,5
DEPOSITS 2.796 8,9
DUE TO BANKS 561 5,1
FUNDS FROM REPO TRANSACTIONS194 26,1
SECURITIES ISSUED 210 8,6
EQUITIES 500 1,6
OTHER LIABILITIES 612 11,0
TOTAL LIABILITIES 4.873 8,5* Sum of Cash, Receivables from Central Bank, Money Market, and banks items
ASSETS Total Changes (%)
LIABILITIES
(Billion TL)
Previous End of
Year
Contingencies 861 5,7
Commitments 4.427 10,5
- Derivative Financial Instruments 3.519 9,2
- Other Commitments 908 15,9
OFF-BALANCE SHEET
ITEMSTotal Changes (%)
Selected Balance Sheet Items
Total assets of Turkish
Banking Sector increased
by 8,5% to TL 4.873 billion
in March 2020 when
compared to the previous
year-end.
Of off-balance sheet items,
- Contingencies increased
by 5,7%;
- Derivative financial assets
increased by 9,2%
In March 2020 when
compared to the previous
year-end.
BRSA, Department of Data and System Management 3
0,87
0,960,98
1,01
1,05 1,05 1,04 1,05
0,70
0,80
0,90
1,00
1,10
0
500
1.000
1.500
2.000
2.500
3.000
3.500
4.000
4.500
5.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL RatioTotal Assets/GDP
GDP Total Assets Total Assets/GDP
DEVELOPMENT AND
INVESTMENT BANKS7%
PARTICIPATION
BANKS6%
DEPOSIT BANKS
87%
Distribution of Assets by Function Group
PUBLIC
41%
DOMESTIC
PRIVATE33%
FOREIGN
26%
Distribution of Assets by Ownership Group
As of March 2020; share of deposit banks, participation banks and development and
investment banks in total assets of the banking sector realized as 87%, 6% and 7%
respectively.
According to the ownership group; share of public, domestic private and foreign banks in
total assets of the banking sector realized 41%, 33% and 26% respectively.
The ratio of asset size of Turkish Banking Sector to GDP realized as 1,05 as of
end-2019.
BRSA, Department of Data and System Management 4
101
454
0
1.799
429
1.351
62 139 70
513296
360
294
193
1.098
198
1.445
498
55 141
316
460
748
193
2.897
628
2.796
561
194 210
500612
0
500
1.000
1.500
2.000
2.500
3.000
Cash,Cash-like
Items
Securities RequiredReserves
Loans Other Deposits Due toBanks
FundsFrom Repo
Trans.
SecuritiesIssued
Equities Other
Million
Balance Sheet Asset-Liability Items
TRY FX
Total Assets Total Liabilities
On-balance Sheet Figures
The ratio of FX assets in balance sheet to total assets realized as 44% while the ratio of
total FX liabilities to total liabilities realized as 50%.
The share of FX loans in total loans is 38% while the ratio of FX deposit to total deposit is
52%.
The share of loans, securities and required reserves in total assets realized as 59%, 15%
and 4%, respectively.
While deposit has the biggest share by 58% in total liabilities, share of payables to banks is
14% and funds from repo is 4%.
The share of equities in total liabilities is 10%.
BRSA, Department of Data and System Management 5
241
334384
459
552
658
781815
861
0
100
200
300
400
500
600
700
800
900
1.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Contingencies in Series
TRY FX
Uncolleteralized Letters of
Guarantee21%
Letters of Guarantee for Bill
Guarantee32%
Letters of Guarantee for
Other Guarantee
21%
Bankers Acceptance
4%
Letters of Credit12%
Other Contingencies
10%
Contingencies
As letters of guarantee is the
biggest share in
contingencies, share of
letters of credit is 12%.
Off-Balance Sheet Figures
As of March 2020, size of contingencies realized as TL 861 billion.
BRSA, Department of Data and System Management 6
195289 310
545 612793
989
1.2691.457
1.6171.776
-196-287 -311
-544 -613-791
-982
-1.273-1.448
-1.606-1.743
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Derivative Financial Instruments
Purchase-TRY Purchase-FX Sale-TRY Sale-FX
Forward FX Transactions
6%
Currency Swaps
50%
Interest Rate Swaps34%
Other Derivative
Transactions10%
Derivative Financial Instruments
As of March 2020, derivative purchase amount realized as TL 1.776 billion and
derivative sales amount realized as TL 1.743 billion.
50% of derivative transactions
in off-balance sheet items is
from swap money
transactions, 34% from swap
interest rate transactions and
6% is from forward exchange
transactions.
BRSA, Department of Data and System Management 7
7951.047
1.241 1.4851.734
2.098
2.3942.656
2.896
772946 1.053
1.2451.454
1.7112.036
2.5672.796
1,031,11
1,18 1,19 1,191,23
1,18
1,03 1,04
0,00
0,20
0,40
0,60
0,80
1,00
1,20
1,40
0
500
1.000
1.500
2.000
2.500
3.000
3.500
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
RatioBillion TL Loan to Deposit Ratio
Loans Deposits Loan to Deposit Ratio (Right Axis)
-28 -64 -77 -93 -75-182 -176
-262 -280
3163 71 96
71
184 191
261 280
-300
-200
-100
0
100
200
300
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Foreign Exchange Position
On-Balance Sheet FX Position Off-Balance Sheet FX Position FX Net General Position
Development of Main Figures
While loans in the third quarter of the year realized as TL 2.896 billion, deposit realized as
TL 2.796 billion. Conversion ratio of deposit to loans is 1,04 as of March 2020.
*Total loans don’t include loans of development and investment banks.
Off-balance sheet FX position has a surplus of TL 280 billion while on-balance sheet FX
position has a deficit of TL 280 billion and FX Net General Position has an equal
approximately.
BRSA, Department of Data and System Management 8
-45-14
-50 -4
99
29 15
54
-21
-200
-150
-100
-50
0
50
100
150
200
Interest Income/Expense Special Provisions for NPLs Non-InterestIncome/Expense
Provisions for Taxes Net Income
Billion TL
Income Statement
Expense Income
3,22
4,814,49
5,89
4,934,65
0,00
1,00
2,00
3,00
4,00
5,00
6,00
7,00
PUBLIC DOMESTIC PRIVATE FOREIGN
Billion TL Net Income
Mar.19
Mar.20
PROFITABILITY
In the income statement of banking sector, interest income realized as TL 90 billion and
interest expense realized as TL 45 billion. As of March 2020, net income of Turkish Banking
Sector is TL 15 billion.
Net income of March 2020 period increased in public, domestic private and
foreign bank groups when compared to the same period of 2018.
BRSA, Department of Data and System Management 9
2,16
3,07
3,83
2,96
3,32
2,94
3,403,21
0
0,5
1
1,5
2
2,5
3
3,5
4
4,5
PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR
Ratio (%)Return On Equity
Mar.19
Mar.20
0,24
0,44
0,51
0,380,390,43
0,470,42
0,00
0,20
0,40
0,60
0,80
1,00
PUBLIC DOMESTIC PRIVATE FOREIGN SECTOR
Ratio (%)Return On Assets
Mar.19
Mar.20
ROE of Turkish banking
sector realized higher in
public, domestic private and
foreign banks groups when
compared to the same
period of the previous year.
ROA of Turkish banking
sector as of March 2020
realized higher as to the
same period of the previous
year.
BRSA, Department of Data and System Management 10
74%72%
71%68%
65%67% 60%
62%59%
26%
28%
29%
32%
35%
33%
40%
38%41%
795
1.047
1.241
1.485
1.734
2.098
2.394
2.6562.540
0
500
1.000
1.500
2.000
2.500
3.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TLLoans
(TRY - FX)
TRY FX
Commercial
and Corporate
Loans55%
Consumer
Loans and Credit
Cards22%
SME
Loans23%
Distribution of Loans
As of March 2020, total loans amount to TL 2.540 billion and TL 1.506 billion of the
mentioned amount is comprised of TL loans while TL 1.032 billion is comprised of FX loans.
Share of commercial and
corporate loans is 55%,
share of SMEs loans is 23%
and share of consumer
loans (including credit
cards) is 22% in total loans.
LOANS
BRSA, Department of Data and System Management 11
33% 32% 29% 26% 24% 23% 21% 22% 22%25%26% 27% 26% 24%
24%26%
23%23%
41%
42%44%
48%
52%
52%
53%
55%
56%
795
1.047
1.241
1.485
1.734
2.098
2.394
2.656
2.897
0
500
1.000
1.500
2.000
2.500
3.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Development of Loans by Types
Consumer Loans and Credit Cards SME Loans Commercial and Corporate Loans
8,13 %
7,27 %
6,66 %
3,80 %
3,73 %
3,64 %
3,51 %
3,48 %
3,05 %
2,64 %
0,0 1,0 2,0 3,0 4,0 5,0 6,0 7,0 8,0 9,0
Construction
Electric, Gas and Water Resources
Whole Sale Brokarage
Research, Consulting, Advertising and Other Activities
Agriculture
Retail Trade and Personal Products
Textile and Textile Products Industry
Main Metal Industry
Food, Beverage and Tobacco Industry
Hotels
Selected Sector Loans to Total Loans
As of March 2020; commercial and corporate loans realized as TL 1.609 billion, SMEs
loans as TL 663 billion while consumer loans and credit cards realized as TL 625 billion.
The share of construction sector is 8,13% and share of electric, gas and water
resources sector in total loans is 7,27%.
..
BRSA, Department of Data and System Management 12
54 71 88 99 110 134173 180 19363
86111
133 140
166
195 193208
83
115
133
157171
213
243 242
262
200
271
333
389421
513
611 615
663
0
50
100
150
200
250
300
350
400
450
500
550
600
650
700
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TLSMEs Loans
Micro Enterprises Small Enterprises Medium Enterprises
The Definition of SMEs was updated.
4
86 111 126 144 164192 188 199 211
89
76
77 7 7 7
100
129149
156167
199 205
260292
72
8474
7982
91 105
118
114
266
332356
385420
489 505
584625
0
100
200
300
400
500
600
700
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TLConsumer Loans
Housing Vehicle Personel Finance Credit Cards
According to operating classes, medium enterprises SMEs loans increased when
compared to the previous quarter.
In March 2020 period, consumer loans increased as to the previous quarter and
realized as TL 625 billion. Housing loans, credit cards as well as personal finance loans
realized as TL 211 billion, TL 114 billion and TL 292 billion, respectively.
BRSA, Department of Data and System Management 13
Housing
34%
Vehicle
1%
Personel Finance
47%
Consumer
Credit Cards18%
Distribution of Consumer Loans
3847
34 36 39 42 4352 48
33
36
4143
4449
61
666772
84
7479
82
91
105
118114
0
20
40
60
80
100
120
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Consumer Credit Cards
Installment Non Installment
In consumer loans, the
share of personal finance
loans is 47%, housing loans
34% and share of credit
cards is 18%.
Personal credit cards amount increased when compared to the previous period and
realized as TL 114 billion in March 2020.
BRSA, Department of Data and System Management 14
8 10 12 17 19 18 18 20 207 9 1116
22 2544
62 62
9 1113
1418 21
35
69 70
2330
3648
5864
97
151 152
0
20
40
60
80
100
120
140
160
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Non-Performing Loans
Consumer Loans and Credit Cards SMEs Loans Commercial Loans
2,86 2,75 2,85 3,10 3,24 2,963,88
5,37 4,97
4,14
3,05
8,60
-1
1
3
5
7
9
11
13
15
2012 2013 2014 2015 2016 2017 2018,00 2019,00 Mar.20
Ratio Non-Performing Loans Ratio
Non-Performing Loans Ratio Commercial NPLs RatioConsumer and Credit Cards NPLs Ratio SMEs NPLs Ratio
As of March 2020, gross amount of NPLs is TL 152 billion.
NPLs to Loans ratio in banking sector realized as 4,97% in March 2020.
Non-performing Loans
BRSA, Department of Data and System Management 15
9,52 %
7,84 %
7,04 %
6,25 %
6,16 %
5,09 %
5,07 %
4,84 %
4,07 %
3,77 %
0,00 2,00 4,00 6,00 8,00 10,00
Construction
Hotels
Whole Sale and Brokarage
Electric, Gas and Water Resources
Retail Trade and Personal Products
Food, Beverage and Tobacco Industry
Textile and Textile Products Industry
Agriculture
Research, Consulting, Advertising and Other…
Main Metal Industry
Ratio
Selected Sectors NPLs Ratios
2,95 2,873,38
4,28 4,303,46 3,41 3,25 3,05
2,42
0,55
3,94
5,24
0
1
2
3
4
5
6
7
8
9
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Ratio Consumer NPLs Ratios
Consumer (Credit Cards Included) NPLs Ratio Vehicle NPLs RatioHousing NPLs Ratio Personal Finance NPLs RatioConsumer Credit Cards NPLs Ratio
NPLs to Loans ratio in sectoral loans realized as 9,52% in construction sector, 7,84%
in hotels sector and 7,04% in whole sale and brokage sector.
NPLs to Loans ratio of consumer loans (including personal credit cards) realized as 3,05%
in March 2020 period.
BRSA, Department of Data and System Management 16
8 5 3 3 3 15 20 36 52
196 196 219 242 246267 253
35840666 86 81
84 102119
206
266
290
270 287 302330 352
402
478
661
748
0
100
200
300
400
500
600
700
800
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Securities
Securities Held for Trading Securities Available for Sale Securities Held to Maturity
Government Bonds
62%
Sukuk
7%
Eurobonds
Issued by Treasury
22%
Other
9%
Distribution of Securities
Total securities increased when compared to the previous quarter and realized as
TL 748 billion.
62% of securities are
comprised of Government
bonds, 22% are Eurobonds
issued by Treasury and 7%
are comprised of sukuk.
Securities
BRSA, Department of Data and System Management 17
220 226 222 226 229267
318
4284614 8 9 11
15
14
26
51
38 43 5373 84
92
115
143
167
1110 13
2020
26
25
36
68
270283 295
327
344
401
472
634
748
0
100
200
300
400
500
600
700
800
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Development of Securities
Government Bonds Sukuk Eurobonds Issued by Treasury Other
Billion TL
As of March 2020; Government Bonds realized as TL 461 billion, Eurobonds Issued by
Treasury as TL 167 billion while Sukuk realized as TL 51 billion.
BRSA, Department of Data and System Management 18
520 594 661 715845
9541.042
1.2591.351233
331375
519
591
732
953
1.225
1.323
19
21
16
11
17
24
41
82
122
772
9461053
1245
1453
1711
2036
2567
2796
0
500
1.000
1.500
2.000
2.500
3.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Deposits
TRY Deposits FX Deposits Precious Metals
TRY Deposits48%
FX Deposits47%
Precious Metals5%
Distribution of Deposits
48% of total Deposits are TRY
Deposits/Participation funds,
47% of FX Deposits/Participation
funds and 5% of Precious
Metals.
TL 1.351 billion of total deposits is comprised of TL Deposits /Participation Funds, TL 1.323
billion comprised of FX Deposits Account/Participation Funds and TL 122 billion is
comprised of precious metals accounts.
Deposits
BRSA, Department of Data and System Management 19
Natural Persons Deposits
61%Official
Instutions Deposits
4%
Commercial and Other Instutions Deposits
35%
Deposits According to Types
Demand Deposits
27%
Up to 1 Month17%
Between 1-3 Months
46%
Between 3-6 Months
4%
Between 6-12 Months
2%
1 Year and More4%
Deposits According to Maturity(%)
46%
89%
53%
54%
11%
47%
1.712
96
988
0
200
400
600
800
1.000
1.200
1.400
1.600
1.800
Natural Persons Deposits Official Instutions Deposits Commercial and Other InstutionsDeposits
Billion TLDeposit According To Types
(TRY-FX)
TRY FX
While 61% of deposits are comprised of natural person deposits, the share of commercial
and other institutions deposits is 35% and share of official institutions' deposits is 4%.
The share of demand deposits in total deposits by their opening maturities is 27% and
share of 1-3 month deposits is 46%.
As of March 2020; TL 922 billion of natural persons deposits is comprised of TRY deposits
while TL 790 billion is comprised of FX deposits and TL 466 billion of commercial and
other instutions deposits of TRY deposits while TL 522 billion is comprised FX deposits.
BRSA, Department of Data and System Management 20
28 35 43 36 37 34 53 59 62
146
219251
325381
441
510535 498
173
254293
361
418
475
563593
561
0
100
200
300
400
500
600
700
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Payables to Banks
TRY FX
4769 78
10993
46 55
102
13933
5060
47
45
53 41
52
55
80
119
137
157
138
99 97
154
194
0
50
100
150
200
250
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
Billion TL Funds From Repo Transactions
TRY FX
Payables to banks amount to a total of TL 561 billion as TL 62 billion Turkish Lira and TL
498 billion FX.
Funds amount from Repo transactions increased when compared to the previous
quarter and realized as TL 139 billion in March 2020.
Payables to Banks and Repo Transactions
BRSA, Department of Data and System Management 21
196 223 271 306 347 419 516 633 6641.099
1.461 1.6631.967
2.2302.484
2.9833.439
3.711
17,86
15,2816,28
15,57 15,5716,85 17,30
18,40 17,90
0
5
10
15
20
0
500
1.000
1.500
2.000
2.500
3.000
3.500
4.000
2012 2013 2014 2015 2016 2017 2018 2019 Mar.20
%Billion TL
Capital Adequacy Ratio
Regulatory Capital Risk Weighted Assets Capital Adequacy Standard Ratio (Right Axis)
16,8418,56 18,58
0
2
4
6
8
10
12
14
16
18
20
Public Private Foreign
% Capital Adequacy Ratio
Sector
17,90
Sector %17.90
Capital adequacy ratio of Turkish Banking Sector realized as 17,90 % in March 2020.
By bank ownership groups, capital adequacy of foreign banks is above the sector average
as 18,58%.
Capital Adequacy
BRSA, Department of Data and System Management 22
17,39 18,64
25,06
0
5
10
15
20
25
30
Commercial Participation Investment
% Capital Adequacy Ratio
Sector
17,90
Value at Credit Risk
88%
Value at Market Risk
3%
Value at Operational Risk
9%
Risk Weighted ItemsTotal 0% Risk
Weighted Items23%
Total 20% Risk Weighted Items
4%
Total 35% Risk Weighted Items
(Collateralized with Mortgage)
4%
Total 50% Risk Weighted Items
10%
Total 75% Risk Weighted Items
16%
Total 100% Risk Weighted Items
43%
Distribution of Credit Risk Weighted Items
Sector %17.90
By function groups, capital adequacy ratio realized as 17,39%, 18,64% and 25,06% for
deposit banks, participation banks as well as development and investment banks,
respectively.
In capital adequacy calculation, 88% of risk-weighted assets is comprised of amount
subject to credit risk, 9% comprised of amount subject to operational risk and 3%
comprised of amount subject to market risk.
Among the risk weighted items included in the calculation of the amount subject to credit
risk, the share of those with 100% risk weight is 43% and those with 0% risk weight is 23%.
BRSA, Department of Data and System Management 23
EXPLANATIONS
Department of Data and System Management
Banking Regulation and Supervision Agency
March 2020
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.
The graphs in this publication prepared by using Turkish Banking Sector Interactive Monthly
Bulletin data. Detailed data by sector, banks groups and function groups can be accessed
from Turkish Banking Sector Interactive Monthly Bulletin application.
Detailed and explanations on the scope of data in Turkish Banking Sector Interactive
Monthly Bulletin are also valid the data included in this publication.
Since Turkish Banking Interactive Banking Sector data is updated from time to time, there
are likely to be some differences.
Data published in this publication is based on data dated 06 May 2020.
BRSA, Department of Data and System Management 24
