Ziraat Bank Financial and Sustainability Overview
Ziraat Bank Financial Snapshot June 2023
Balance Sheet
Total Assets
Loans(4)
Securities
TL bn
USD bn
3,019
117,729
Key Ratios (%)
1,715
66,876
ROAA(1)
2.0
816
32
ROAE(1)
22.3
Deposits
2,209
86
Cost Income Ratio(2)
53.3
Funds Borrowed
140
5,4
NIM (cum.) (3)
3.6
Interbank Money Market
200
7,8
Shareholder's Equity
258
10
Loans(4)(5)/Deposits
Loans/Assets
77.6
56.8
Securities/Assets
27.0
NPL Ratio
0.9
P&L
TL mn
USD mn
Stage III Coverage(5)
78.4
Interest Income
131,942
5,145
COR(8)
1.6
Interest Expense
96,249
3,753
CAR
15.3
Net Interest Income
35,693
1,392
# of
Net Fees & Commissions
12,205
476
Branches(6)
1,765
OPEX(7)
49,709
1,938
Employees
Net Operating Profit
29,383
1,146
ATMs
25,916
7,337
Net Profit
25,742
1,004
(1)
(2)
Average total assets and average shareholders' equity represent weekly averages
Includes dividend income
(4)
Performing Loans
(6)
Including foreign branches
(5)
Intermediated loans of public funds are excluded
(7)
Including HR expenses
(8) COR adjusted for individual assesment and change in
IFRS model
(3)
Average interest earning assets represent weekly averages.
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