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Investor Presentaiton

14 Strong Risk Management Liquidity Risk Management • • As of the beginning of 2019, provision figures have been calculated in accordance with IFRS 9. Due to capital inflows and increases in subordinated loans, the Bank's CAR increased from 12.79 percent in September 2018 to 22.36 percent in September 2019. The NPL / Total Loans ratio decreased to 0.81% in 2019Q3 from 0,86% in 2018Q2 and 0.90% in 2018. With a liquidity ratio of 252,5% for a maturity of up to 12 months and 349,3% for a maturity of up to 3 months in 2019 Q3, TKYB is one of the best positioned bank in terms of liquidity risk in the Turkish Banking System. Our Bank does not carry currency risk. As of September 2019, the ratio of the foreign currency risk ratio (Foreign currency net general position / capital base) reported to the BRSA as 1,82% whose legal limits are set at +/- 20%. + Market Risk Management DG Operational Risk Management Credit Risk Management DEVELOPMENT INVESTMENT BANK OF TURKEY
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