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TURKISH BANKING SECTOR
World Bank Group-Banque De FranceImpact of Financial Reforms in Euro-Mediterranean Area
May 03-04, 2018
Organizations Abroad
26.04.2018 2Banking Regulation and Supervision Agency
Turkish banks operate within a wide range of countries(25),
Number of cross border financial institutions is 145; banks(33), non-bank financial
institution(25), branches(77) and representative Office(10)
Number of Banks
26.04.2018 3Banking Regulation and Supervision Agency
5 42
8
5
20
4 3
0
5
10
15
20
25
Deposit Development & Investment Participation
Number of Banks in Turkey
State Domestic Private Foreign
As of December 2017, 51 banks are operating in Turkish Banking Sector.
Main Balance Sheet Items / GDP
26.04.2018 Banking Regulation and Supervision Agency 4
87,3
95,7 97,5100,8
104,7 106,4 106,2103,2
50,6
57,960,7
63,566,5 67,9 68,6 67,4
17,2
15,8 14,8 14,1 13,5 13,6 13,2 12,7
49,252,3 51,5 53,3
55,7 56,3 56,4 55,3
12,6
16,3 16,6 16,6 17,0 17,1 16,1 15,6
0,0
20,0
40,0
60,0
80,0
100,0
120,0
Dec.12 Dec.13 Dec.14 Dec.15 Dec.16 Mar.17 June.17 Sep.17
(%)
Total Assets / GDP Loans / GDP Securities / GDP Deposits / GDP Funds From Abroad / GDP
Banking Sector Asset – Liability Compositions
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8,8 8,2
12,9 12,3
63,5 64,4
6,7 7,02,5 2,6
5,6 5,5
2016-12 2017-12
Asset Composition (%)
Other
Subsidiaries and Fixed Assets
Required Reserves
Loans
Securities
Liquid Assets53,2 52,5
0,9 3,5
15,3 14,6
5,0 3,04,3 4,5
10,3 10,9
11,0 11,0
2016-12 2017-12
Liability Composition (%)
Shareholders' Equity
Other
Securities Issued (Net)
Repo Fundings
Payables to Banks
Payables to Money Market
Deposits
Composition of Loans
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32,8 32,8 33,5 31,7 28,7 25,9 24,2 23,3
23,9 23,8 25,1 25,926,9
26,224,2 24,5
43,3 43,4 41,4 42,4 44,4 47,9 51,5 52,3
0,0
10,0
20,0
30,0
40,0
50,0
60,0
70,0
80,0
90,0
100,0
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
Retail SME Corporate
Loans by Industries
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4,1
17,9
8,6
15,1
3,05,0 5,4
9,2 9,5
5,57,2
Loans
TL-FC Breakdown
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67,7 65,3 65,8 63,4 60,5 63,6
5,3 5,7 5,24,9
4,83,8
27,0 29,0 29,0 31,8 34,8 32,6
0,0
10,0
20,0
30,0
40,0
50,0
60,0
70,0
80,0
90,0
100,0
2010-12 2011-12 2014-12 2015-12 2016-12 2017-12
TL - FX - INDEXED LOANS (%)
TL INDEXED FX
NPL Ratios
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3,7
2,7
2,9
2,8
2,9
3,1
3,23,2
3,1 3,03,0
4,1
2,92,9
2,9
3,4
4,34,3
4,2
3,8
3,63,5
4,5
3,1 3,2 3,1
3,3
3,9
4,9
4,9
4,74,7
4,7
2,8
2,3
2,6
2,42,3
2,01,9 2,0 2,0
1,9 1,9
1,5
2,0
2,5
3,0
3,5
4,0
4,5
5,0
Total Loans Retail Loans SME Loans Corporate Loans
Loan Loss Provisions
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79,4
75,276,3
73,974,6
77,4 77,9 78,0
79,5 79,4
70,0
72,0
74,0
76,0
78,0
80,0
82,0
84,0
86,0
88,0
90,0
0
10.000
20.000
30.000
40.000
50.000
60.000
70.000
2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%Mio
TL
Non Performing Loans (Gross) Loan Loss Provisions Loan Loss Provision Rate - right axis
Funds From Abroad
The share of funds from abroad in total liabilities is 15,4% as of December 2017.
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DEPOSITS11,7%
LOANS46,6%
SYNDICATION15,4%
SECURITIZATION10,1%
REPO10,3%
SUBORDINATED DEBTS6,0%
OTHER0,0%
2017-12
(mill ion USD) Amount (%)
Deposits 16.747 15.491 -1.256 -7,5
Loans 56.614 61.850 5.236 9,2
Syndication Loans 18.724 20.436 1.712 9,1
Securitization Loans 13.312 13.390 78 0,6
Repo 12.664 13.701 1.037 8,2
Subordinated Loans 8.402 7.914 -488 -5,8
Other 116 49 -68 -58,2
TOTAL 126.580 132.831 6.251 4,9
Bond Issuance 25.616 29.769 4.153 16,2
TOTAL (inc. bond issuance) 152.195 162.600 10.404 6,8
Change
Dec.16 - Dec.17Dec.16 Dec.17
Funds From Abroad
External funding across countries diversified.
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USA15,5%
G. Britain9,8%
Euro Zone31,4%
Japan6,3%
Libya2,0%
Switzerland3,3%
Gulf Countries10,4%
Iranian1,3%
Russia3,0%
China3,9%
Cayman Islands3,6%
Other9,4%
December 2017
USA14,7%
G. Britain13,8%
Euro Zone34,0%
Japan5,0%
Libya1,8%
Switzerland4,9%
Gulf Countries
9,5%
Iranian0,8%
Russia1,8%
China1,0%
Cayman Islands3,2%
Other9,5%
December 2015
Loan to Deposit Ratio
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106,1114,1
121,6123,4 123,6 124,1 124,8 126,0 126,6
102,1
109,2116,1 117,4 116,6 117,4 118,7 118,4 118,9
0,0
20,0
40,0
60,0
80,0
100,0
120,0
140,0
2012-12 2013-12 2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%
TOTAL TOTAL (excluding development and investment banks)
151,3
78,0
118,9
60,0
70,0
80,0
90,0
100,0
110,0
120,0
130,0
140,0
150,0
160,0
2 0 1 6 - 0 3 2 0 1 6 - 0 6 2 0 1 6 - 0 9 2 0 1 6 - 1 2 2 0 1 7 - 0 3 2 0 1 7 - 0 6 2 0 1 7 - 0 9 2 0 1 7 - 1 2
LTD (%) - EXCLUDING DEVELOPMENT AND INVESTMENT BANKS
TL FX TOTAL
Leverage Ratio
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8,37,9 7,7 7,8 7,8 7,8 7,7
0,0
1,0
2,0
3,0
4,0
5,0
6,0
7,0
8,0
9,0
2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%
Leverage Ratio Regulatory Ratio
Liquidity Coverage Ratio
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123,5
194,2
0
20
40
60
80
100
120
140
160
180
200
220
%
Total LCR FX LCR Min Total LCR Min FX LCR
Capital Adequacy Ratio
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19,0
16,617,9
15,316,3 15,6 15,6 16,0 16,9 17,2 16,9
0,02,04,06,08,0
10,012,014,016,018,020,0
%
CAR TARGET CAR REGULATORY CAR
Tier 1 and Core Tier 1 CAR
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13,913,2 13,1 13,5 14,1 14,4 14,1
14,013,3 13,2 13,6 14,2 14,4 14,1
0,0
4,0
8,0
12,0
16,0
20,0
2014-12 2015-12 2016-12 2017-3 2017-6 2017-9 2017-12
%
TIER 1 CAR CORE TIER 1 CAR MIN TIER 1 MIN CORE TIER 1
Performance Indicators
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1,8
1,6
1,31,2
1,51,6
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
ROA
15,7
14,2
12,311,3
14,3
16,0
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
ROE
4,1
3,7
3,5 3,5
3,6
3,8
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
NIM
19
Thank you for your attention…