Ziraat Bank Financial and Sustainability Overview
(1)
(2)
(3)
Ziraat Bank Profitability & Capitalization
Net Profit (TL mn)
41,092
6,291
2021
19,195
16,179
2022
H1 22 H1 23
OPEX Breakdown in H1 2023
49.7 bn
(3)
Other
Depreciation
2% 11%
IT&Comms.
3%
Tax
5%
SDIF 5%
Premium
13%
Promotions
21%
Personnel
Expenses
40%
Earthquake
Donation
Capital Ratios (%)
Cost Income Ratio (¹) (%)
BRSA Target 12.0%
Regulatory
Minimum 8.0%
Includes dividend income
Due to BRSA regulation, Fees & Commissions from cash loans are categorized under interest income.
Utilities and Maintenance Expenses are classified under Other item
15,3
14,2
12,3
CAR ■Tier-1 CET-1
53.3%
Net Fees & Commissions in H1 2023)
12.2 bn
Other
19%
Insurance
10%
Money Transfers
10%
Cash Loans(2)
22%
13%
Non-Cash Loans
26%
Credit Cards
20
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