SIGNIFICANTLY HIGHEST BANKING REVENUE

(2021, TL BN & 2 YEAR GROWTH)

HIGHEST BANKING REVENUE

PER BRANCH

(2021, TL MN)

HIGHEST IMPROVEMENT

IN COST / INCOME

(2021, 2 YEAR ^)

Note: Banking Revenues = NII – Swap Cost + Net Fees & Commissions
Income defined as NII inc.Swaps + Net F&C + Dividend Income + Subsidiary Income + Net Trading Income (excludes swaps & currency hedge) + Other income (net of prov. Reversals)
Note: Per bank-only financials for fair comparison.

HIGHEST
ROE

19.1%

22.2%

incl. Free Provisions

HIGHEST
ROA

2.3%

2.7%

incl Free Provision

STRONG CAPITAL BUFFERS
ABOVE THE LEGAL LIMITS

15.7%

12.5bn TL excess capital
taking into account min. Required level of
12.2%
(Consolidated w/o forbearance)

HIGHEST NET INCOME
(TL BN)

TL 13.1

TL 15.9 BN

>TL 1 Bn gap with the next peer

HIGHEST FEES
& COMMISSIONS INCOME

8.5


~ TL 1 Bn gap with the next peer

HIGHESTNET INTEREST
MARGIN

4.7%

~1% gap
with the next peer

LEADERSHIP IN CONSUMER LENDING MARKET SHARE GAIN ACROSS THE BOARD
Share in TL
perf. loans
Market
Share
Y-t-D bps Rank
CONSUMER LOANS 32% 21% -11 #1
MORTGAGE 10% 28% +82 #1
GENERAL PURPOSE 22% 19% +5 #2
AUTO 1% 35% +18 #1
CREDIT CARD BALANCE/th> 18% 22% +15 #2
TL BUSINESS 49% 18% +3 #2

TL LOANS
MARKET SHARE

HIGHEST DEMAND DEPOSIT
(TL BN)

TL CUSTOMER DEPOSIT
MARKET SHARE

Note: Market shares among private banks based on bank-only BRSA data and Interbank Card Center data as of 2021

HIGHEST EVER MARKET SHARES IN BOTH ISSUING & ACQUIRING

Retail Issuing
Volume MS% (2021)

Acquiring Volume
MS% (2021)

Number Of Credit
Card Customers (2021)

HIGHEST COMMISSION CONTRIBUTION

Net Payments System Commissions & Share in
Total F&C (2021, TL bn)

 
 

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