Ziraat Bank Financial and Sustainability Overview
Ziraat Bank Asset Quality
NPL (%)
1,6
Total NPL by Segment
Cost of Risk(2) (%)
0,9
Other(1)
5%
Sector Ziraat
Loan Classification (TL bn)
SME
41%
36%
18%
Corporate
Retail
1.7
Stage III Coverage
78.4%
Total Coverage (3)
315%
15.9
Stage III
NPL Ratios by Segment
108.3
Stage II
Corporate
1.0%
Restructured Loans(4)
in Total Loans: 7.2%
Stage II Loans/Total Loans
6.3%
SME
0.9%
Retail
1.1%
TL 17.3 bn
Total Free Provisions
1,606
Stage I
(1) Includes loans excluded from segment classification,
intermediated loans from public funds and overseas branch lending
(2) COR: Expected Credit Loss-Reversals/Average Loan Amount, CoR adjusted for individual
assesment and change in IFRS model
(3) (S1 S2 S3 provisions)/ NPL
(4) Includes payment holidays during the Covid-19 outbreak.
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