Ziraat Bank Financial and Sustainability Overview
Ziraat Bank Key Financial Ratios
(%)
2020
2021
2022
Q1 23
Q2 23
ROAA (1)
1.0
0.6
2.3
1.2
2.0
ROAE(2)
9.7
6.9
26.4
13.6
22.3
Cost / Income (3)
33.3
37.4
17.3
77.0
53.3
Fee / OPEX(4)
25.6
37.6
52.6
15.3
24.6
NIM (cum.)(5)
5.0
4.5
8.7
4.3
3.6
Loans (6)
/Deposits
92.3
80.5
72.0
74.4
77.6
Loans/Assets
62.2
55.7
54.2
54.3
56.8
Securities/Assets
23.9
24.9
25.5
27.2
27.0
NPL
2.3
1.9
1.1
0.9
0.9
Stage III Coverage
77.0
80.2
84.8
85.5
78.4
COR
1.2
1.8
2.5
1.4(7)
1.7(7)
CAR
18.2
16.5
16.5
16.4
15.3
Leverage (8)
9.1
13.1
10.4
9.1
10.7
# of
Branches(9)
Employees
ATMs
1,752
1,752
1,758
1,758
1,765
24,673
24,607
24,484
26,047
25,916
7,274
7,269
7,276
7,311
7,337
(1) Average total assets represent weekly averages
(2) Average shareholders' equity represent weekly averages
(3) Includes dividend income
(4) Includes Personnel Expenses
(5) Average interest earning assets represent weekly averages
(6) Performing Loans
(7) Annualized figüre, Expected Credit Loss-Reversals/Average Loan Amount, COR
adjusted for individual assesment and change in IFRS model
(8) Leverage
(Assets/Shareholders' Equity)-1
(9) Including foreign branches
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