Banks In Turkey 2015

Transcription

JUNE 2016
BANKS IN TURKEY
2015
BANKS IN TURKEY
2015
Publication No : 315
June 2016
ISSN 1300 - 6460 (printed)
ISSN 1308 - 3678 (online)
ISBN 978-605-5327-68-2 (printed)
ISBN 978-605-5327-67-5 (online)
Copyright © The Banks Association of Turkey, 2016
Publication Name
Publication Type
Publication Period
Publication Date
Owner of the Publication
Managing Director
Address
Phone
Fax
E-mail
URL
: Banks in Turkey
: Local Periodical
: Annual
: June 2016
: The Banks Association of Turkey
: Dr. Ekrem Keskin
1LVSHWL\H&DG$NPHUNH]%%ORN.DW(WLOHUøVWDQEXO
: +90-212-282 09 73
: +90-212-282 09 46
: tbb@tbb.org.tr
: www.tbb.org.tr/en/home
Printed in
Address
Phone
Fax
*00DWEDDFÕOÕNYH7LFDUHW$ù
<ÕO0DK0$66ø7&DGGH1R%D÷FÕODUøVWDQEXO
: +90-212-629 00 24 (pbx)
: +90-212-629 20 13
All rights reserved. No part of this report may be reproduced or transmitted, in any form or by any means,
electronic, photocopying or otherwise, without the prior written permission of the Banks Association of
Turkey.
Whilst every effort has been made to ensure that the information contained in this book is correct, the Banks
Association of Turkey can not accept any responsibility for any errors or omissions or for any consequences
resulting therefrom.
This book is prepared from the year-end audited and non-consolidated "The Common Data Set" of deposit
banks and development and investment banks, that are prepared according to related Communique Financial Statements and Related Explanation and Footnotes of the banks that is disclosed to the Public-
Certificate No: 17188
2016.34.Y.5327.315
Contents
Page No.
Preface………………………………..….………………………………………………………
v
Main Economic Indicators………...………………………………….…………….............
vi
Economic Developments and Banking System, 2015………………………..…………
I-1
Global Economy….……………………………….………………………………………...
Turkish Economy……..………..……….…………...…..………....................................
Banking System……….…………………………………………...…………...……….....
I-1
I-2
I-11
The Banks Association of Turkey and
Banks Operating in Turkey…………………………………..………………………….......
II-1
The Banking System in Turkey……………………………..………………..………………
II-9
Deposit Banks..…………………………………...……........………………….....……….
II-14
State-owned Banks..……...……………...................……....…………………………
Privately-owned Banks...........…….....…...…….......……............……………………
Banks Under the Deposit Insurance Fund...........………….....…………................
Foreign Banks……………………………………...………..…........……...................
II-18
II-22
II-26
II-30
Development and Investment Banks………………….…………………………………
II-34
i
Page No.
Balance Sheets of the Banks………..……………………………….…………….…….....
II-39
Deposit Banks.....................…………………….....…........................…...…….............
II-41
State-owned Banks…………………..........……..………………..............................
7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ$ù«««««««««««««««
7UNL\H+DON%DQNDVÕ$ù«««««««««««««««««««««
7UNL\H9DNÕIODU%DQNDVÕ7$2«««««««««««««««««««
II-43
II-44
II-48
II-52
Privately-owned Banks……………………..…………………………………………...…
$GDEDQN$ù«««««««««««««««««««««««««««
$NEDQN7$ù«««««««««««««««««««««««««««
$QDGROXEDQN$ù«««««««««««««««««««««««
)LEDEDQND$ù«««««««««««««««««««««««««««
ùHNHUEDQN7$ù««««««««««««««««««««««««««
7XUNLVK%DQN$ù«««««««««««««««««««««««««
7UN(NRQRPL%DQNDVÕ$ù«««««««««««««««««««««
7UNL\Høú%DQNDVÕ$ù«««««««««««««««««««««««
<DSÕYH.UHGL%DQNDVÕ$ù««««««««««««««««««««««
II-57
II-58
II-62
II-66
II-70
II-74
II-78
II-82
II-86
II-90
Banks Under the Deposit Insurance Fund...........…….....………...........................
%LUOHúLN)RQ%DQNDVÕ$ù««««««««««««««««««««««
II-95
II-96
Foreign Banks………………………………………………………..….......................
$OWHUQDWLIEDQN$ù««««««««««««««««««««««««
$UDS7UN%DQNDVÕ$ù«««««««««««««««««««««««
Bank Mellat……………………………………..……………………….…………
%DQNRI7RN\R0LWVXELVKL8)-7XUNH\$ù«««««««««««««««
%XUJDQ%DQN$ù«««««««««««««««««««««««««
&LWLEDQN$ù««««««««««««««««««««««««
'HQL]EDQN$ù««««««««««««««««««««««««««
'HXWVFKH%DQN$ù««««««««««««««««««««««««
)LQDQV%DQN$ù««««««««««««««««««««««««««
Habib Bank Limited……………………………………….………………………
+6%&%DQN$ù«««««««««««««««««««««««««
,&%&7XUNH\%DQN$ù«««««««««««««««««««««««
,1*%DQN$ù««««««««««««««««««««««««
Intesa Sanpaolo S.p.A....…….………………………...…………………………
JPMorgan Chase Bank N.A.…….………………………...………………………
2GHD%DQN$ù««««««««««««««««««««««««
5DEREDQN$ù««««««««««««««««««««««««
Sociéte Générale (SA)……………………………………...………………………
The Royal Bank of Scotland Plc……………………………………..……………
7XUNODQG%DQN$ù««««««««««««««««««««««««
7UNL\H*DUDQWL%DQNDVÕ$ù««««««««««««««««««««
ii
II-101
II-102
II-106
II-110
II-114
II-118
II-122
II-126
II-130
II-134
II-138
II-142
II-146
II-150
II-154
II-158
II-162
II-166
II-170
II-174
II-178
II-182
Page No.
Development and Investment Banks…….………………………………………...…......
$NWLI<DWÕUÕP%DQNDVÕ$ù«««««««««««««««««««««
%DQN3R]LWLI.UHGLYH.DONÕQPD%DQNDVÕ$ù««««««««««««««
'LOHU<DWÕUÕP%DQNDVÕ$ù««««««««««««««««««««««
*6'<DWÕUÕP%DQNDVÕ$ù«««««««««««««««««««««
øOOHU%DQNDVÕ$ù««««««««««««««««««««««««
øVWDQEXO7DNDVYH6DNODPD%DQNDVÕ$ù«««««««««««««««
0HUULOO/\QFK<DWÕUÕP%DQN$ù
1XURO<DWÕUÕP%DQNDVÕ$ù«««««««««««««««««««««
3DVKD<DWÕUÕP%DQNDVÕ$ù««««««««««««««««««««
6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN$ù««««««««««««
Türk Eximbank…………………………………………………...………………..
7UNL\H.DONÕQPD%DQNDVÕ$ù«««««««««««««««««««
7UNL\H6ÕQDL.DONÕQPD%DQNDVÕ$ù««««««««««««««««
Appendix………......….....................................................................................................
Table 1
Table 2
Table 3
Table 4
Table 5
Table 6
Table 7
Table 8
Table 9
Table 10
Table 11
Table 12
Table 13
Table 14
Table 15
Table 16
Table 17
Table 18
Table 19
Table 20
Table 21
Table 22
Turkish Banks - Ranked by Total Assets, as of December 31, 2015............
Number of Branches and Employees by the Banks and Groups,
as of December 31, 2015…………………………………………………….....
Presentation of Assets and Liabilities According to their
Outstanding Maturities, as of December 31, 2015…………………..…………
Interest Rate Sensitivity of Assets, Liabilities and Off Balance-Sheet
Items based on repricing dates, as of December 31, 2015………...…………
Information on Currency Risk, as of December 31, 2015…………….………
Saving Deposits, as of December 31, 2015…………………………….……...
Number of Deposit Accounts, as of December 31, 2015……………...……..
Maturity Sructure of Deposits, as of December 31, 2015…………...............
Classification of Deposits, as of December 31, 2015……………...……........
Number of Deposit Accounts by Geographical Regions and Provinces,
as of December 31, 2015…………………………………………………………
Deposits by Geographical Regions and Provinces,
as of December 31, 2015………………………….………………………….....
Loans by Geographical Regions and Provinces, as of December 31, 2015…
Classification of Loans, as of December 31, 2015……………...……............
Sectoral Risk Concentrations of Non-cash Loans,
as of December 31, 2015………………………….………………………….....
Capital Structure by Groups, as of December 31, 2015………………………
Share in Group and Share in Sector, as of December 31, 2015...................
Bank Employees by Gender and Education, as of December 31, 2015…....
Bank Employees by Geographical Regions and Provinces,
as of December 31, 2015………………………….………………………….....
Number of ATM, POS and Merchants by Geographical Regions and
Provinces, as of December 31, 2015………………………….…………………
Equity Participations and Affiliated Companies of Turkish Banks
Abroad, as of December 31, 2015………………………………………………
Branches and Representative Offices of Turkish Banks Abroad,
as of December 31, 2015…………………………………………………………
Representative Offices in Turkey, as of December, 31 2015…………………
Glossary….....................................………………............................................................
iii
II-187
II-188
II-192
II-196
II-200
II-204
II-208
II-212
II-216
II-220
II-224
II-228
II-232
II-236
II-241
II-242
II-244
II-246
II-247
II-248
II-249
II-250
II-252
II-254
II-256
II-259
II-262
II-265
II-267
II-268
II-269
II-270
II-272
II-273
II-274
II-278
II-281
II-282
Preface
'Banks in Turkey 2015' provides general information about deposit banks and development
and investment banks operating in Turkey as well as their audited financial tables which
are prepared according to the related Communique-Financial statements and related
explanation and footnotes of the banks that is disclosed to the Public-. This book also
offers an overall evaluation of the performance of the Turkish economy and the banking
system in 2015.
In addition, more details and tables that are prepared according to the related
Communique, in terms of banks or groups, can be found in the web site of the Association
(www.tbb.org.tr).
It is hoped that this publication will be useful for those who are interested.
The Banks Association of Turkey
v
The Turkish Economy
Main Economic Indicators
Unit
2012
2013
2014
2015
2016*
Growth
GDP
Agriculture
Industry
Services
%
2
4
2
2
4
4
4
6
3
-2
4
4
4
8
3
5
5
...
...
...
Sectoral breakdown (at current prices)
Agriculture
Industry
Services
%
8
24
57
7
24
58
7
24
58
8
23
57
...
...
...
798
1,417
76
10,459
823
1,567
77
10,822
800
1,750
77
10,404
721
1,954
78
9,261
736
2,207
79
9,364
20
4
16
21
5
16
20
4
16
20
4
16
...
...
...
14
2
12
-6
-2
-4
85
15
70
7
13
3
10
-7
-2
-5
86
15
71
7
15
3
12
-6
-2
-4
84
15
69
7
16
5
11
-4
0
-4
85
16
69
7
17
3
13
-4
-1
-3
...
...
...
8
8
48
10
10
48
11
11
55
13
11
56
13
10
52
...
2
6
7
7
3
8
11
9
...
8
-1
3
2
-2
1
0
0
0
1
0
3
2
-1
2
0
0
0
1
-1
2
2
-1
2
0
0
0
1
0
3
2
-1
-1
0
0
1
0
0
2
1
-1
...
0
2
...
...
332
360
48
-29
20
389
408
50
-18
32
426
448
50
-23
27
483
506
53
-23
30
541
571
56
-30
26
Financing
25
15
20
22
...
External borrowing
G-bonds
Short-term financing
T-bills
Other
2
17
0
0
6
7
16
0
0
-9
8
12
0
0
0
-3
25
0
0
0
...
...
...
...
...
GDP
GDP
Population
Income per capita
USD billion
TL billion
Million
In USD terms
Source-use
As % of GDP
Fixed-capital outlays
Public
Private
Total savings
Public
Private
Savings gap
Public
Private
Total consumption
Public
Private
GDP deflator
%
%
Employment
Unemployment Rate
Participation Rate
Non-agricultural unemployment rate
%
Inflation
(Twelve month chg)
Producer
Consumer
%
Public sector balance, as % of GDP
%
PSBR (excluding privatization)
PSBR (including privatization)
36%5H[FøQWHUHVWSD\DQGSULYDWL]DWLRQ
Budget deficit
Budget deficit (excluding interest payments)
SEEs
Public administrations
Funds
Other
Central Government budget**
TL billion
Revenues
Expenditures
Interest expenditures
Budget deficit
Primary balance
* Programme target
** Forecast for 2015
vi
Selected Budget Ratios
Unit
%
2012
2013
2014
2015
2016*
Revenue/GDP
Expenditure/GDP
Personnel expenditure/GDP
Interest expenditure/GDP
Investment/GDP
23
25
6
3
3
25
26
6
3
3
24
25
6
3
3
25
26
6
3
3
25
26
...
3
...
Personnel expenditure/total expenditure
Interest expenditure/total expenditure
Investment/total expenditure
24
13
11
24
12
13
25
11
11
25
10
11
...
10
...
383
4
387
0
387
403
0
403
0
403
414
0
414
0
414
440
0
440
0
440
29
38
26
38
24
39
23
35
...
...
...
...
...
...
...
...
8
6
34
6
10
47
9
8
55
8
11
55
...
...
...
1.7776
-6
2.3452
-4
2.1343
20
2.9365
25
2.3189
9
2.8207
-4
2.9181
26
3.1838
13
...
...
...
...
202
14
85
-11
8
78
64
44
100
347
22
96
-3
9
91
66
41
110
377
22
97
4
9
107
74
40
106
458
23
93
25
9
121
49
28
96
...
...
...
...
...
...
...
...
...
182
749
773
7
17
79
800
225
909
952
7
20
88
1,054
251
1,019
1,063
6
23
99
1,250
312
1,206
1,249
5
29
113
1,497
...
...
...
...
...
...
...
797
876
979
1,067
1,092
1,191
1,283
1,396
...
...
11
54
53
14
61
67
14
61
71
16
64
77
...
...
...
Outstanding domestic debt
TL billion
G-bonds
T-bills
Total Government securities
Devaluation account
Total
Outstanding domestic gov. securities/GDP
Outstanding debt/GDP
%
Interest rates
(Annual,compound, average)
Weighted average cost of the CBRT funding
G-Securities
Time to maturity of domestic debt stock
%
months
Exchange rates
USD (Year-end)
(Twelve month chg)
Euro (year-end)
(Twelve month chg)
CB Balance Sheet
Total balance sheet
As % of GDP
Net fx assets
Net domestic assets
Lending to Government
Reserve money
CB money
Fx position
Fx reserves
%
%
TL billion
%
USD billion
USD billion
Monetary aggregates
M1***
M2****
M3*****
Repos (R)
Investment Funds (F)
G-securities held by non banks (D)
Loans
TL billion
M3RF
M3RFD
M1/GDP
M3/GDP
Loans/GDP
%
%
%
* Programme target
**Money in circulation+demand deposit (Fx included)
*** M1+time deposit (Fx included)
**** M2+repos+investment funds)
vii
Financial assets
Unit
TL billion
Monetary assets
TL
FX
Securities
Shares
Bonds and Bills
Government
Private
Investment Funds
Total
2012
2013
2014
2015
2016*
749
531
218
960
546
414
384
30
17
1,726
909
624
285
921
500
421
406
15
20
1,850
1,138
747
391
1,061
627
434
415
19
33
2,232
1,345
815
530
1,014
555
459
440
19
37
2,396
...
...
...
...
...
...
...
...
...
...
152
237
85
152
252
100
158
242
85
144
207
63
156
211
55
19
30
11
18
31
12
20
30
10
20
29
9
21
29
7
-66
17
-49
-80
15
-65
-64
18
-46
-48
16
-32
...
...
-29
%
-6
-8
-6
-5
-4
Capital movements
Foreign direct investment
Portfolio investment
Net errors and ommissions
Change in reserves
USD billion
70
8
41
4
-21
72
9
24
3
-10
44
5
20
2
-1
11
11
-15
15
-12
...
...
...
...
...
International fx reserves
USD billion
100
110
108
96
...
338
236
93
6
139
84
55
101
11
1
88
29
59
389
259
99
4
156
86
71
129
18
1
111
36
75
403
271
100
2
168
83
85
132
18
0
114
35
79
395
295
98
1
196
91
105
103
15
0
88
35
53
...
...
...
...
...
...
...
...
...
...
...
...
...
395
78,208
1,213
307
310
11
424
67,802
1,521
383
238
10
425
85,721
2,262
369
267
15
416
71,727
2,165
353
186
12
...
...
...
...
...
...
Foreign trade
USD billion
Exports
Imports
Trade deficit
Foreign trade as of GDP
%
Exports
Imports
Trade deficit
Balance of payments
USD billion
Trade balance
Invisible balance
Current account balance
Current account balance/GDP
CB reserves
Outstanding external debt
Total
Long-term capital
Government
Central Bank
Private sector
Non-financials
Financials
Short term
Government
Central Bank
Private sector
Non-financials
Financials
USD million
Istanbul Stock Exchange
Number of companies traded
ISE-100 index
Daily trading volume
Total trading volume
Market capitilization
Market P/E
In USD terms
USD million
USD billion
USD billion
* Programme target
viii
Economic Developments and
Banking System, 2015
I-1
Economic Developments and Banking System, 2015
Global Economy
3.1
1.9
4.0
2.8
3.2
1.9
4.1
3.1
3.5
2.0
4.6
3.8
2.9
1.4
4.7
2.9
0.3
5.1
2.9
0.7
4.5
3.1
1.5
4.2
104.6
41.0
171.5
104.8
45.1
111.0
106.6
47.3
87.9
106.1
48.7
93.7
0,7
9
0,6
8
0,5
7
0,4
6
0,3
5
0,2
Developing Countries
Developed Countries
Source: IMF. World Economic Outlook. April 2016.
Oil Price
(USD/barrel)
120
100
80
60
40
Nov-15
Jul-15
Sep-15
May-15
Jan-15
Mar-15
Nov-14
Jul-14
Sep-14
May-14
Jan-14
Mar-14
Nov-13
20
Source: Reuters
I-1
3.4
1.8
4.6
3.5
10
Jul-13
Commodity prices declined. Due to the high
subsidy policies applied for a share of the shrinking
export markets and falling demand, the commodity
markets experienced sharp declines. Global
commodity price index declined by 36 percent. Oil
prices fell by 30 percent.
2015
Policy Interest Rates
(Percentage)
Sep-13
Inflation continued to progress at a low level.
The inflation rate, with the effect of declining
commodity prices, continued to remain low in
developed countries and stood at 0.3 percent level
in 2015. In developing countries, inflation rates
were around 5 percent.
Forecast
2016
2017
2014
Source: IMF. World Economic Outlook. April 2016.
May-13
Capital outflows from the developing countries.
Due to weak growth performance, geopolitical risks,
decline in energy and commodity prices, the global
risk appetite remained rather weak. Net capital
outflow was recorded from the developing countries
after a long period of time. Therefore, in many
developing countries there were high-frequency
fluctuations in money and capital markets; asset
prices fell, the currencies depreciated and the
pressure on interest rates increased.
Growth Rate
World
Developed Countries
World Trade Volume
Inflation
World
Developed Countries
Public debt stock to gdp
Developed Countries
Commodity Price Index (2005=100)
Jan-13
Monetary
policies
disintegrated
in
the
developed countries. Debates on increase of
interest rates under the effects of recovery in the
labor market and acceleration in economic activity
in the USA continued throughout the year, and US
Federal Reserve Bank increased the policy interest
rate to a limited extent in December. In Europe, the
monetary policy continued to be loosened. Interest
rates remained at very low levels in general.
Selected Macroeconomic Indicators
(Percentage, as percentage of gdp)
Mar-13
Global economic growth slowed down. Global
economy grew by 3.1 percent in 2015, at a pace
slower than the previous year. In the developed
countries, growth rate was 1.9 percent.
Deceleration of growth rate to 4 percent in the
developing countries pulled down the global growth
rate. Similarly, the growth rate of global trade
volume was 2.8 percent, down 0.7 percentage point
compared to the previous year.
Turkish Economy
Turkish economy grew by 4 percent exceeding
the expectations. The growth rate in Turkish
economy accelerated in 2015, and stood at 4
percent in constant prices compared to the
previous year. Gdp (Gross domestic product)
increased by 11,7 percent to TL 1.954, while it
contracted by 9,9 percent to USD 720 billion on
dollar basis. GDP deflator was 6.7 percent.
Income per capita decreased by 11 percent to USD
9,261.
The growth rate was 3 percent in industry sector in
constant prices. Agricultural sector growing by 7.6
percent in real terms made a positive contribution
to growth rate. In services sector, the growth rate
was 4.5 percent. The share of industry sector in
gdp was 33 percent, while that of services sector
was 59 percent.
Domestic consumption supported growth. The
revival in domestic consumption was the most
important factor for supporting growth. While
private consumption expenditures contributed 3
percentage points to growth, the contribution of
public consumption expenditures was at 0.7
percentage point.
Gdp
(Percentage change in constant price)
9
6
3
0
02- 07
average
Savings gap stood at 0.5 percent of GDP in the
public sector, and at 3.8 percent in the private
sector. Thus total savings gap declined by 1.2
percentage points to 4.3 percent of gdp.
Young and dynamic population. Population of
Turkey is 78.7 million as of 2015. When age of
population is listed in ascending sort, median age is
31. Half of population is younger than this median
age. Population increase rate per annum has been
13.4 per thousand. Population of Turkey covers
53.4 million people at working age (67.8 percent).
2013
2014
2015
Gdp
Growth rate (percent)
In current prices
In constant prices
Deflator (percent)
Gdp (current prices)
TL billion
USD billion
Per capita income (USD)
2013
2014
2015
10.6
4.2
6.9
11.5
3.0
6.9
11.7
4.0
6.7
1,567
823
10,822
1,748
799
10,395
1,954
720
9,261
Source: Turkstat.
Domestic Savings and Savings Balance
(As percentage of gdp)
2013
13.4
3.4
9.9
-7.5
-1.5
-6.0
Domestic savings
Public
Private
Savings balance
Public
Private
2014
15.0
3.1
11.9
-5.5
-1.3
-4.2
2015*
15.6
4.4
11.2
-4.3
-0.5
-3.8
Source: The Ministry of Development.
*Factor income and current transfers are included.
Population and Median Age
90
35
80
30
70
25
60
20
50
15
40
1985
1990
2000
2007
Population (million people)
Source: Turkstat.
I-2
2012
Source: Turkstat.
In 2015, net foreign trade pulled down growth with
declined exports and imports. Investment spending,
however, had a contribution of 0.9 percentage
point.
Savings rate increased. According to estimates of
the Ministry of Development, the ratio of domestic
savings to gdp increased by 0.6 percentage point to
15.6 percent in 2015. Savings ratio increased by
1.3 percentage points in public sector, and
decreased by 0.7 percentage point in private
sector.
2011
2013
2014
2015
Median age (year, rhs)
Labor force participation rate increased. Labor
supply was 29.7 million, and employment was 26.6
million. While employment increased by 688
thousand, labor force participation rate rose by 0.8
percentage point. Number of unemployed was 3.1
million, and unemployment rate was 10.3 percent.
Hourly labor cost index increased by 13.3 percent
compared to the previous year. The rate of
increase was 14.8 percent in industry sector and
12.3 percent in service sector, respectively.
Inflation rate remained above the target. In 2015,
due to effects of the depreciation of TL and
increase in raw food prices and, consumer prices
inflation (CPI) remained above the target. After
falling down to 6.8 percent level in July, CPI rose to
8.8 percent at the end of the year. Domestic
producer prices index (D-PPI) increased by 5.7
percent on annual basis. Annual average price
increase was 7.7 percent for CPI, and 5.3 percent
for PPI.
Central Bank (CB) tightened liquidity. Since the
inflation remained above the target, the Central
Bank of the Republic of Turkey (CB) tightened its
monetary policy. As of the end of the first quarter,
CB didn’t change interest rates, however, CB rose
the average funding cost, and increased the share
of marginal funding within total funding. Within the
frame of foreign exchange liquidity policy, foreign
exchange auction amounts were determined in a
flexible manner, and the reserve options
coefficients (ROC) and interests applied to required
reserves in Turkish Lira were re-arranged, and
interest rates applied to foreign exchange reserves
used by banks from CB were gradually reduced.
As of the year-end, net domestic assets of the
Central Bank increased by TL 21 billion to TL 25
billion. Net foreign assets decreased by TL 4 billion
to TL 93 billion. Monetary base increased by 18
percent, realizing at TL 109 billion by the end of first
half of the year, and at TL 118 billion by the end of
second half.
Interest rates rose. After falling below 8 percent in
the first quarter of 2015, the cost of liquidity
provided to banks followed an upward trend in the
rest of the year due to tight liquidity policy course,
and remained around 9 percent during the second
half of the year.
I-3
Labor Force Indicators
Employed (million people)
Labor force participation rate (%)
Unemployment rate (%)
Youth people unemployment rate (%)
2013
2014
2015
24.6
48.3
9.0
17.1
25.9
50.5
9.9
17.9
26.6
51.3
10.3
18.5
Source: Turkstat
Inflation
(Annual percentage change)
14
12
10
8
6
4
2
0
CPI
PPI
Source: Turkstat
Balance Sheet of the Central Bank,
(Selected Items* TL billion)
Net foreign assets
Net domestic assets
Open market
operations (net)
Monetary base
2014
Dec.
97
4
Mar.
102
2
2015
Jun.
Sep.
97
97
12
19
Dec.
93
25
46
61
79
89
95
100
104
109
116
118
Source: CBRT
* All the items belongs to CB balance sheet in the framework of stand-by agreement.
Interest Rates (compound, period end), Exchange
Rates and Inflation
(Annual, percentage change)
2014
Dec.
Interest rate
Weighted ave. cost of
CBRT funding
Benchmark G. bonds
Exchange rates (ann. chg.)
USD/TL
EUR/TL
Inflation (CPI, ann. chg.)
Mar.
2015
Jun.
Sep.
Dec.
8.5
8.0
8.6
9.0
8.8
8.2
8.6
9.5
11.2
11.0
8.6
-3.9
8.2
19.2
-5.9
7.6
26.5
3.1
7.2
33.5
18.3
7.9
25.4
12.7
8.8
Source: CBRT, Turkstat, Undersecretariat of the Treasury.
Deposit and loan interest rates increased. After
dropping down to 9.5 percent level in February,
weighted average interest rate of the 3-month
deposits continued its rising trend throughout the
year and increased to 12 percent level. While
commercial lending rates were at 12.8 percent level
at the end of 2014, they were realized as 15,7
percent at the end of 2015. The consumer loan
interests rose by 2.8 percentage points to 17.5
percent in 2015.
TL depreciated in 2015. In the first three quarters
of the year, in parallel with the capital outflows
occurred in developing countries, TL depreciated
against major currencies. TL depreciated by 33.5
percent against the US dollar as of the third quarter
of the year.
According to real exchange rate index calculated by
taking into account the consumer inflation, TL
depreciated by 14 percent in the first three quarter
of 2015.
The depreciation of TL, together with its
appreciation during the last quarter of the year, was
7 percent in real terms. The rate of depreciation on
the basket (0.5$+0.5€) was 18 percent.
Foreign exchange reserves decreased. Foreign
exchange reserves of the Central Bank declined by
USD 10 billion to USD 96 billion in 2015 compared
to the end of 2014. Gold reserves declined by USD
2 billion, net foreign exchange position decreased
by USD 12 billion.
Discipline was maintained in public sector.
Discipline was maintained in public finance. Budget
revenues increased by 14 percent in nominal terms
while budget expenditures increased by 13 percent,
Increase in expenditures was mainly due to noninterest expenditures, on the other hand, interest
expenditures decreased in real terms. Indirect
taxes accounted for 68 percent of the tax revenues.
The budget deficit declined by 3 percent and
reached TL 23 billion compared to the previous
year. Ratios of budget revenues and expenditures
to gdp were 24.7 percent and 25.9 percent,
respectively. The ratio of primary surplus to gdp
was 1.5 percent, and the ratio of budget deficit to
gdp was 1.2 percent.
The ratio of total public revenues and expenditures
to gdp was 40.7 percent. With the surplus of the
general government balance, the ratio of public
sector borrowing requirement remained at 0.04
percent level. The ratio of public sector primary
surplus to gdp increased by 0.4 percentage point to
2.8 percent level.
I-4
Deposit, Loan Interest Rate and Average Cost of
Funding (Percent)
18
16
14
12
10
8
6
TL Commercial Loan Rate
TL Deposit Rate (3 months)
Weighted Ave. Cost of CBRT Funding
Source: CBRT, BRSA
Exchange Rates
110
3,4
3,2
105
3,0
100
2,8
95
2,6
2,4
90
Exchange Rate (basket, 0.5$+0.5€)
Cpi Based Real Effective Exchange Rate (2003=100, rhs)
Source: CBRT
Central Bank’s Fx Reserves and Net Fx Position
(USD billion)
Fx reserves
Gold reserves
Net Fx position
2014
Dec.
106
20
40
2015
Jun. Sep.
101
100
19
18
33
30
Mar.
103
20
35
Dec.
96
18
28
Source: CBRT
Central Government Budget
TL billion
2015*
Revenues
Expenditures
Interest
Non-interest
Budget balance
Primary balance
Financing
External borrowing (net)
Domestic borrowing
Other
Source: The Ministry of Finance
* Provisional.
Perc
change.
As perc. of
gdp 2015
426
9
24.3
448
50
399
-23
27
10
0
11
22
-13
25.6
2.9
22.8
-1.3
1.5
22
-3
25
1
8
-133
119
-
1,1
-0,2
1,3
0,1
Public sector realized a net domestic borrowing of
TL 25 billion, while net external payment was TL 3
billion. Average cumulative maturity of domestic
cash borrowings increased to 71.8 months. Internal
debt rollover ratio was at 72 percent level.
Increased volatility in overseas markets and capital
outflows stemming from domestic developments
led to a rise above the 11 percent level in
benchmark bond interest rates during the third
quarter. In the last quarter of the year, benchmark
bond interest rate, maintaining a fluctuating trend,
ended the year at the level of 11 percent.
The ratio of outstanding domestic debt to gdp
continued to fall. Outstanding domestic debt was
TL 440 billion and the ratio to gdp was 22.5
percent. The total debt stock, resulting from the
addition of TL equivalent of outstanding external
debt of USD 238 billion of the public sector,
became TL 678 billion corresponding to 34.7
percent of gdp.
Outstanding domestic debt was composed of fixed
interest securities of 58 percent, floating rate
securities of 19 percent, and CPI-indexed securities
of 23 percent. 48.9 percent of the outstanding
domestic debt was held by banks, 31.8 percent by
non-bank institutions and 17.4 percent by foreign
investors. The ratio of outstanding domestic debt to
broadly defined money supply (deposits, currency
in circulation, repo and mutual funds: M2YRF) was
32 percent, and its ratio to bank assets was 19
percent.
The ratio of financial assets to gdp decreased
by 5 percentage points to 125 percent. The ratio
of money and quasi money financial assets
demand to gdp increased by 4 percentage points.
This increase mainly resulted from rise in TL
equivalent sum of foreign exchange deposits.
Due to the impact of the outflow of funds in the
capital market, the ratio of the market value of
stocks to GDP decreased by 8 percentage points.
The ratio of public sector securities to gdp declined
1 percentage point.
The ratio of bond and bills issued by private sector
companies to gdp was 1 percent. Due to slowing
growth of the individual pension system, its ratio to
gdp remained at 2 percent.
I-5
Public Sector Borrowing Requirement to Gdp
(Percent)
1,2
1,0
1,0
0,8
0,5
0,6
0,6
0,4
0,2
0,1
0,0
0,0
2011
2012
2013
2014
2015
Source: Undersecretariat of the Treasury
Government Debt Stock to Gdp (Percent)
50
40
30
20
2011
2012
2013
Domestic
2014
2015
External
Financial Assets
Money and quasi-money
Cash
Deposits
TL
Fx
Repos
Capital market
Equity (market value)
Bonds and bills
Public
Private
Mutual funds
Individual retirement
Total
Source: CBRT. Capital Markets Board.
2013
2014
2015
58
4
54
36
18
0
61
32
27
26
1
2
1
120
65
4
60
38
22
0
65
36
25
24
1
2
2
130
69
5
64
37
27
0
56
28
24
23
1
2
2
125
Market value of traded companies decreased.
Istanbul Stock Exchange 100 index lost value by 13
percent in Turkish lira and by 34 percent on dollar
basis in 2015. Total transaction volume increased
by 3 percent to TL 156 billion. The market value of
companies listed in the stock exchange decreased
by 13 percent to TL 543 billion (USD 186 billion) by
the end of 2015. Decline in market value on dollar
basis was 29 percent. The ratio of market value to
gdp decreased by 8 percentage points to 27
percent. The number of companies traded on the
stock market decreased by 9 to 416 compared to
the year 2014.
Total market value of financial institutions listed in
Borsa Istanbul decreased by 36 percent (USD 28
billion) to USD 51 billion compared to the previous
year. The ratio of market value of financial
institutions to total market value was around 27
percent. Price to book value ratio of banking sector
declined by 0.33 percentage point to 0.88 level.
Excluding the banks, this ratio was 1.56 in Borsa
Istanbul).
Foreign trade deficit declined. Imports declined
by 14.5 percent to USD 207 billion compared to the
previous year. Exports contracted by 9 percent
USD 144 billion. While the fall in oil prices and the
depreciation of TL contributed to the decline of
foreign trade deficit, slow growth in the EU and the
rising geopolitical risks had a negative impact on
the exports.
Foreign trade deficit declined by 26 percent to USD
63 billion compared to the previous year. The
export-import coverage ratio rose by 4 percentage
points to 69 percent. The ratio of exports to gdp
stood at 20 percent level, while the ratio of imports
to gdp was 29 percent.
Market Value of Financial Institutions
35
120
100
30
80
60
40
25
20
0
20
2011
2012
2013
2014
2015
Market Value (billion dollars)
Share in Total (Percentage, right axis)
6RXUFH%RUVDøVWDQEXO
Foreign Trade
(USD billion)
2012
2013
2014
2015
152
237
-84
11
152
252
-100
13
158
242
-85
13
144
207
-63
9
Exports
Imports
Foreign trade deficit
Foreign trade deficit/gdp (%)
Source: Turkstat
Imports Coverage Ratio (Percent)
70
65
60
55
50
2011
2012
2013
2014
2015
Source: Turkstat
The ratio of foreign trade volume to gdp was 49
percent. The ratio of foreign trade deficit to gdp was
9 percent.
Total imports were comprised of 14 percent
consumption goods and 69 percent intermediate
goods. Euro accounted for 33 percent and USD
accounted for 59 percent of the imports; while for
the exports, these figures were 45 percent and 47
percent, respectively. The share of TL in total
foreign trade was 6 percent.
Quantitatively, exports and imports decreased by
0.6 percent and 0.5 percent in 2015. Price index
decreased by 11 percent in exports and by 17
percent in imports.
I-6
Foreign Trade by Commodity Groups. 2015
Capital goods
Interm. goods
Cons. goods
Other
Total
Source: Turkstat
Billion
Export
Perc.
Perc.
Billion
Import
Perc.
USD
chg.
share
USD
chg.
Perc.
share
15
-4
11
35
-3
17
68
59
1
144
-9
-9
-30
-9
48
41
1
100
143
29
0
207
-19
-1
-6
-14
69
14
0
100
Current accounts deficit narrowed. Current
accounts deficit declined by 26 percent to USD 32
billion compared to the previous year, amounting to
4.5 percent of gdp.
Notwithstanding the decline in the services account
stemming from the 13 percent fall in net tourism
revenues, the main reason for the contraction in
current account deficit was the decline in foreign
trade deficit.
Net capital inflows of USD 11 billion remained
below current accounts deficit. There was an
outflow of USD 15 billion in portfolio investments as
a result of the high risk perceptions in global
markets in 2015. Direct investments created a
foreign currency inflow of USD 11 billion.
Other investments including external borrowings of
the banks and private sector continued to be the
most important item in total capital inflows. While
net loan usage of the banking sector decreased,
net loan usage of the private sector increased by
USD 4.7 billion, compared to 2014.
Net errors and omissions item indicated a foreign
currency inflow amounting to USD 10 billion. Thus,
the USD 12 billion in the general balance indicated
a decline in reserves.
Short-term
outstanding
external
debt
decreased. Public sector external debt decreased
by USD 4.7 billion to USD 113 billion in public
sector, while that of private sector rose by USD 2.9
billion to USD 284 billion. Thus outstanding external
debt decreased by USD 5 billion to USD 398 billion
compared to 2014.
The long-term external debt increased by USD 24
billion while short-term external debt decreased by
USD 29 billion. Thus, the share of short-term
outstanding external debt in total debt stock
decreased by 7 percentage points and amounted to
26 percent.
Current Account Balance to Gdp
(Percentage)
0
-2
-4
-6
-8
-10
-12
2011
2012
Public sector held 29 percent (including Central
Bank), and private sector held 71 percent of the
outstanding external debt. The debt of financial
institutions was USD 157 billion, while that of nonfinancial private companies was USD 126 billion.
I-7
2014
2015
Source: CBRT
Capital and Financial Account
(USD billion)
Current account
Capital and financial account
Capital account (net)
Financial account (net)
Direct invest. abroad (net)
Portfolio investments (net)
Other investments (net)
Net errors and omissions
General balance
IMF account
Official reserves
2013
-64
72
0
62
9
24
39
3
10
0
-10
2014
-44
42
0
42
5
20
16
2
0,5
0
-0,5
2015
-32
11
0
11
11
-15
15
10
12
0
-12
Source: CBRT
Outstanding External Debt
(USD billion)
Long term
Public
Central Bank
Private
Financial institutions
Non-financial institutions
Short term
Public
Central Bank
Private
Financial institutions
Non-financial institutions
Total
Within the long-term outstanding external debt,
public sector debt (except the Central Bank)
decreased by USD 2 billion to USD 98 billion, while
that of the private sector increased by USD 29
billion.
2013
2013
259
98
4
156
71
86
130
18
1
111
75
36
388
2014
271
100
2
168
85
83
132
18
0
114
79
35
403
2015
295
98
1
196
105
91
103
15
0
88
53
35
398
Official creditors and private creditors held USD 44
billion and USD 157 billion in long-term outstanding
external debt, respectively. Bonds constituted USD
94 billion of the long-term outstanding external
debt.
Among the official creditors, debts to international
organizations constituted the highest share with
USD 36 billion.
According to the Central Bank data, assets of nonfinancial sector companies increased by USD 5
billion to USD 107 billion, while their liabilities
increased by USD 9 billion to USD 291 billion in
2015. Net foreign exchange deficit of these
companies increased from USD 180 billion to USD
184 billion.
The ratio of outstanding external debt to gdp
was 55 percent. The ratio of long-term debts to
gdp increased by 7 percentage points to 41
percent, while the ratio of short-term debts to gdp
decreased by 2 percentage points to 14 percent.
The ratio of outstanding external debt of public
sector (except the Central Bank) to gdp was 16
percent, while that of private sector was 39 percent
level.
Mid-term program predicts a growth of 5
percent in 2017–2018 period. The Mid-Term
Program announced by the Government, includes
forecasts of the main macroeconomic indicators for
the 2016-2018 period.
The main purpose of the program is to increase
stable and inclusive growth, reduce inflation, and to
maintain the downward trend in current account
deficit by fiscal discipline.
Accordingly, gdp growth rate is targeted to be 4
percent in 2016 and 5 percent in 2017 and 2018.
Inflation rate is estimated to be at 7.5 percent
level in 2016, and to decline to 6 percent and 5
percent levels, respectively in 2017 and 2018.
The ratio of current account deficit to gdp is
expected to follow a downward trend during the
Program period, and to decline to 3.5 percent in
2018. The ratio of EU-defined outstanding public
debt to gdp is foreseen to decrease during the
period.
Ministry of Development announced that the
realization of the 25 priority transformation program
will be pursued effectively in consistency with the
Medium Term Program objectives.
KWWSRGRSNDONÕQPDJRYWU
I-8
FX Assets and Liabilities of Non-Financial
Companies (USD billion)
2013
94
265
171
77
81
-4
Assets
Liabilities
FX Position
Short-term assets
Short-term liabilities
Short-term FX position
2014
102
282
180
80
79
1
2015
107
291
184
81
77
4
Source: CBRT
Outstanding External Debt to Gdp
(Percentage)
60
50
40
30
20
10
0
2011
2012
2013
Government
2014
2015
Private
Main Economic Indicators*
(Percentage)
Growth (Perc. change in constant price)
Current account balance to gdp
CPI
Unemployment Rate
Public balance to gdp
Primary balance to gdp
EU-Defined. G. debt stock to gdp
* Forecast
Source: Ministry of Development
2016
2017
2018
4.5
-3.9
7.5
10.2
0.6
2.0
31.7
5.0
-3.7
6.0
9.9
1.1
1.8
30.5
5.0
-3.5
5.0
9.6
1.3
2.0
29.5
The Measures Taken by the Central Bank of the Republic of Turkey in 2015
Changes in Interest Rates
Jan-15
One-week repo auction interest rate was reduced from 8.25 percent to 7.75 percent.
Feb-15
Marginal funding rate was reduced from 11.25 percent to 10.75 percent, and rate of interest over borrowing facilities provided
for primary dealers via repo transactions within the frame of open market transactions was reduced from 10.75 percent to
10.25 percent, and the Central Bank borrowing interest rate was reduced from 7.5 percent to 7.25 percent.
One-week repo auction interest rate was reduced from 7.75 percent to 7.5 percent.
Within the frame of Late Liquidity Window Facility, the hourly lending interest rate in the Interbank Money Market was reduced
from 12.75 percent to 12.25 percent.
Jan-15
Scope of export rediscount credits was expanded. Accordingly:
• In addition to exports, such foreign exchange earning services as tourism services, healthcare services, consultancy,
software and engineering services, transportation services and maintenance and repair services have also been included in the
coverage of rediscount credits.
• 7UNL\HøKUDFDW.UHGL%DQNDVÕ$ù7XUNLVK([LPEDQNDQGFRPPHUFLDOEDQNVwere entitled to stand as a mediator in lending
of rediscount credits for financing of foreign exchange earning services.
• Commercial banks were enabled to extend rediscount credits also for financing of pre-shipment exports in addition to postshipment export rediscount credits.
• Banks were enabled to make available rediscount credits for foreign exchange earning services and pre-shipment export
receivables in addition to post-shipment export receivables assigned to factoring companies. Rediscount credit limit was
increased from USD 15 billion to USD 17 billion.
Mar-15
Interest rates for one-week foreign exchange reserves that may be borrowed by banks from the Central Bank were reduced
from 7.5 percent to 4.5 percent for dollar, and from 6.5 percent to 2.5 percent for Euro.
Apr-15
Interest rates for one-week foreign exchange reserves that may be borrowed by banks from the Central Bank were reduced
from 4.5 percent to 4 percent for dollar, and from 2.5 percent to 2 percent for Euro.
Jul-15
Interest rates for one-week foreign exchange reserves were reduced from 3.5 percent to 3 percent for dollars.
Aug-15
Trading limits of banks in foreign exchange and effective markets in the Central Bank were increased by approximately 130
percent to USD 50 billion.
Foreign Exchange Market and Export Rediscount Credits
Changes in Reserve Requirement Ratios
Jan-15
Jan-15
Mar-15
Apr-15
May-15
May-15
Aug-15
Aug-15
Dec-15
Effects
A contribution of
approximately USD 3.2
Reserve Requirement Ratios of foreign currency obligations of banks and financing companies
billion to foreign exchange
have been changed in such manner to encourage extension of maturity of non-core obligations.
reserves of the Central
Bank.
If the facility is utilized at the
In the facility of assignment of TL required reserves in foreign currency, the reserve option
same rate, approximately
coefficients have been changed by increasing the number of slices without changing the facility
USD 2.4 billion may be
upper limit.
released.
With a view to encouraging extension of maturity in foreign borrowing, the required reserve Release of approximately
ratios of foreign currency non-deposit / non-participation fund obligations of banks and financing USD 1.5 billion from foreign
companies were increased at maturities up to 1 year and between 1 and 2 years.
exchange reserves.
An increase of
approximately 1.3 billion
With a view to meeting the temporary foreign currency liquidity needs of the financial system, the dollars in foreign exchange
reserve option coefficients (ROC) were changed. Accordingly, coefficients were increased in the reserves, and increase of
foreign currency effective
first slice and in the last five slices.
required reserve ratio from
12.7 percent to 13.1
percent.
It was decided to increase rates of interest applied to required reserves in TL by 50 basis points.
Scope of obligations subject to required reserves of foreign branches of banks established in
Turkey was expanded.
Interest were started to be applied to required reserves, reserve options and free accounts in
foreign currency.
Required reserve ratios for foreign currency non-deposit / non-participation fund obligations were
increased for short-term and reduced for longer than 5 years maturity.
It was decided to increase rates of interest applied to required reserves in TL by 150 basis points
in total, comprised of 50 basis points on 1 September 2015, and 50 basis points on 1 October
2015, and 50 basis points on 1 December 2015.
In calculation of foreign currency funds to be kept for TL obligations under the Reserve Option
Mechanism (ROM), instead of foreign exchange rates valid as of the date of obligation,
arithmetical average of foreign exchange buying rates published in the Official Gazette in days
until 3 business days prior to the date of obligation and date of establishment will be used.
I-9
The Measures Taken by the Banking Regulation and Supervision Agency in 2015
Draft regulations containing changes made in our legislative instruments as per and under the Regulatory
Consistency Assessment Program (RCAP) created by Basel Committee on Banking Supervision in 2012 have
been made public. These regulations were published in the Official Gazette edition 29511 on 23 October 2015.
During this process, 15 Good Practices Guidelines were presented to internal and external authorities for their
comments, and thereafter, these texts were finalized by a Decision of the Board in the light of the collected
comments and RCAP assessments. At that stage of RCAP initiatives, some certain amendments have been
deemed necessary in texts of the Guideline on Management of Liquidity Risk and the Guideline on Stress Test
To Be Used by Banks in Capital and Liquidity Planning which have previously been issued by a decision of the
Board and made public accordingly. Thereafter, draft amendments in these guidelines have been prepared.
x
Draft texts issued additionally by BRSA with respect to RCAP process are as listed below:
x
Regulation on Amendments in Regulation Regarding Measurement and Assessment of Capital Adequacy
of Banks.
x
Regulation on Amendments in Regulation Regarding Shareholders’ Equity of Banks.
x
Communiqué on Amendments in Communiqué Regarding Calculation of Amount Subject to Credit Risk by
Internal Ratings Based Approaches.
x
Communiqué on Amendments in Communiqué Regarding Credit Risk Reduction Techniques.
x
Regulation on Amendments in Regulation Regarding Calculation of Liquidity Coverage Ratio of Banks.
x
Communiqué on Amendments in Communiqué Regarding Calculation of Market Risk by Risk
Measurement Models and Assessment of Risk Measurement Models.
x
Regulation on Amendments in Regulation Regarding Internal Systems and Internal Capital Adequacy
Assessment Process of Banks.
x
Communiqué on Amendments in Communiqué Regarding Financial Statements To Be Published by
Banks to Public and Explanations and Footnotes Thereof.
x
Communiqué on Amendments in Communiqué Regarding Explanations To Be Published by Banks to
Public About Risk Management.
At the end of RCAP process, the harmonization and compliance of banking legislation to Basel standards have
been confirmed to be “fully compliant” by Basel Committee, and the resulting assessment report has been
approved, and shared with public via internet site. With a view to ensuring that our country is also included in
the list of “equivalent third states”, necessary actions have been taken in the relevant authorities about the
calendar and process for escalation of the matter to EU Commission.
By the “Regulation on Amendments in Regulation Regarding Debit Cards and Credit Cards”, the number of
installments in tuition fees, furniture and white goods expenditures paid by credit cards has been increased
from 9 months to 12 months.
It is decided to apply the cyclical buffer ratio for Turkey positions of banks as zero percent with effect from 1
January 2016.
I-10
Banking Sector Overview 1
Market value of the banks declined
rapidly.
Lending increased in real terms and supported
economic growth.
Banking sector continued its support to economic
growth by increasing its lending by 20 percent, 14
percent in fixed exchange rates. Commercial loans,
including
SME
(small
and
medium-sized
enterprises) and project loans, increased more
rapidly than consumer loans. Main reasons were
macro prudential measures to slow down the
consumer loans, and increase in interest rates.
Shareholders’ equity increased at a pace
slower than risks.
Shareholders’ equity grew by 13 percent. Capital
adequacy ratio decreased by 80 basis points to
15.6 percent. Tier I capital adequacy was 13.3
percent. The major causes of this decline were
faster increase in risks, acceleration of devaluation
of TL in real terms, changes in regulations, and
limited support of the declining profit volume in real
terms to shareholders` equity.
On the other hand, capital adequacy remained well
above the level of 12 percent determined by the
Banking Regulation and Supervision Agency.
Profitability fell down.
Return on equity continued to decline. In addition to
measures leading to decline in income and
increase in costs, a rise in specific provisions and a
slow-down in non-interest income played an
important role in the profitability decline. Profit
volume increased by 6 percent in nominal terms,
while narrowed by 5 percent in real terms.
Average return on equity fell down by 1.1
percentage points to 10.5 percent, remaining only
0.7 percentage point above the return on the
government securities, a risk-free investment
instrument. Average return on equity remained
below cost of capital calculated as 15 percent,
while average return on assets realized as 1.2
percent.
The shares of banks traded in Borsa
Istanbul lost value faster than average of
Borsa Istanbul. Total market value of the
shares reduced from USD 80 billion to 51
billion. PD/DD ratio amounted to 0.88 by
decreasing below 1.
The ratio of non-performing loans to
total loans was 3.2 percent.
Non-performing loans after specific
provisions to total loans increased by 27
percent. The ratio of non-performing loans
to loans increased by 30 basis points to
3.2 percent.
The gap between loan growth and
deposit growth narrowed.
Deposits, accounting for 53 percent of
balance sheet, grew by 18 percent in
nominal terms and by 10 percent in fixed
exchange rates. The gap between loan
growth and deposit growth narrowed
below 3 percentage points for the first time
since 2010. The gap between loan growth
and deposit growth 3.7 percentage points
and 0 percentage point in TL and foreign
exchange terms, respectively.
Loan-to-deposit ratio was 120 percent.
Non-deposit liabilities grew by 19 percent,
and their share in total liabilities increased
to 28 percent.
Net
foreign
exchange
remained at low level.
position
The share of foreign exchange resources
in total assets was 38 percent, and their
share in total liabilities was 43 percent. Inbalance sheet net foreign exchange
position and foreign exchange net general
position realized as USD -31 billion and
USD 4 billion, respectively.
The ratio of net foreign exchange position
to shareholders equity was 1.3 percent.
1
Unless otherwise stated, deposit, development and
investment, and participation banks were included.
BRSA data were used.
I-11
Regulation and Supervision of Financial Sector
Financial institutions/instruments
Regulatory Body
Banks and other credit institutions
Banks
Leasing
Factoring
Financial companies
Capital market institutions
Mutual (investment) funds
Intermediary institutions
Real estate investment trusts
Securities investment trusts
Portfolio management companies
Venture capital funds*
Pension funds
Insurance companies
Reinsurance companies
Unemployment insurance fund
Individual pension funds
Banking Regulation and Supervision
Agency
Capital Market Board
Undersecretariat of Treasury
Payment systems
Savings insurance system
Prevention of money laundering and finance of terrorism
The Central Bank of the Republic of
Turkey
Saving and Deposit Insurance Fund
Financial Crimes Investigation Board
Total Assets of Financial Sector (2015, TL billion)
Sector
Banks
Portfolio management companies
Unemployment insurance fund
Insurance companies
Real estate investment trusts
Pension investment funds
Individual pension funds
Financial leasing companies
Factoring companies
Financial companies
Intermediary institutions
Reinsurance companies
Venture capital funds*
Securities investment trusts
Total
Amount
2,357
99
93
96
52
48
37
41
27
27
15
3
1
0.4
2,896
Share in Total (Percent)
81
3
3
3
2
2
1
1
1
1
1
0
0
0
100
* Due to the amendments in the Communiquè, starting from 31.12.2013, venture capital investment trusts are no more liable to issue portfolio
tables.
Risk Center
As of March 2016, Risk Center has 180 members in total, comprised of 53 banks, 63 factoring companies, 27
financial leasing companies, 13 financing companies, 13 asset management companies, 8 insurance companies
selling out credit insurance, as well as Credit Guarantee Fund, Agricultural Credit Cooperatives Union of Turkey
DQG%RUVDøVWDQEXO$ù,VWDQEXO6WRFN([FKDQJH
Customer, credit, credit insurance, check, protested promissory note and internal ratings information are collected
from the Risk Center members, and customer, credit, credit insurance, check and protested promissory note
information are shared with the members.
As a part of the services offered by the Risk Center, during July 2015 – March 2016 period, members have
inquired about customers:
318 million times under the personal (consumer) credit and credit card application (KRS), and 16 million times
under the commercial credit application (KRM), and 22 million times under the credit limit and credit risk (KLKR)
application containing summary information about natural persons and legal entities.
I-12
Number of Banks
Number of banks operating in the banking sector in
2015 was 52 2. 34 of them were deposit banks, and
13 were development and investment banks. Of the
deposit banks, 3 were state-owned banks, and 9
are private banks. In addition, there were 5
participation banks.3
Due to change of shareholders, T. Garanti BanNDVÕ
$ù DQG 7HNVWLO %DQN $ù–the latter being
UHQDPHG DV ,&%& 7XUNH\ %DQN $ù LQ 1RYHPEHU
2015 –shifted from private bank status to foreign
bank status.
Ziraat Participation Bank $ù commenced its
operations on 12 May 2015 as the fifth participation
bank. Number of foreign banks, where residents
abroad hold 51 percent or a higher share in capital,
was 21. Of the development and investment banks,
3 were state-owned banks, and 6 were private
banks, and 4 were foreign banks.
Number of Branches and Employment
Number of Banks*
Deposit banks
State-owned
Private
Foreign
SDIF
Develop. and invest. banks
Participation banks
Total
2014
34
3
11
19
1
13
4
51
2015
34
3
9
21
1
13
5
52
Change
0
0
-2
2
0
0
1
1
Source: BAT ,BRSA
* Including branches in the Turkish Republic of Northern Cyprus and
branches abroad.
Number of Branches*
Deposit banks
State-owned
Private
Foreign
SDIF
Participation banks
Total
2014
11,182
3,500
5,455
2,226
1
41
990
12,210
2015
11,151
3,681
4,299
3,170
1
42
1,080
12,269
Change
-31
181
-1,156
944
0
1
90
59
* Including branches in the Turkish Republic of Northern Cyprus and
branches abroad.
Source: BAT, BRSA
Total number of branches increased by 59 to
12,269. Number of branches decreased in deposit
banks.
Due to the change in their status from private bank
to foreign bank, the number of branches and
employees of bank sub-groups in T. Garanti
%DQNDVÕ $ù DQG ,&%& %DQN 7XUNH\ $ù DOVR
changed.
Number of branches decreased by 1,156 in private
banks, but increased by 181 in state-owned banks,
and by 944 in foreign banks.
Population per branch was 6,418, and population
per bank employee was 362.
The number of bank employees increased by 592
to 218 thousand in December 2015. The number of
employees increased by 2,360 in state-owned
banks and by 19,201 in foreign banks, but
decreased by 21,083 in private banks. The number
of employees decreased by 157 also in
development and investment banks. Of the total
bank employees, 89 percent of bank personnel
were employed by deposit banks, and 2 percent by
development and investment banks. 26 percent of
personnel of banking sector was employed by
state-owned deposit banks, 34 percent by private
deposit banks, and 29 percent by foreign banks.
The rate of female employees of the sector was at
51 percent level.
2
Except for Banks in the Fund.
Please see www.bddk.org.tr and www.tkbb.org.tr for detailed
information about participation banks.
3
I-13
Numbers of Branches and Employees (Annual
percentage change)
9
6
3
0
2011
2012
2013
Branches
2014
Employees
2015
Source: BAT
Number of Employees (Thousand)
Deposit banks
State-owned
Private
Foreign
SDIF
Participation banks
Total
Source: BAT
2014
195
56
96
43
0,2
6
16
217
2015
196
58
75
63
0,2
5
17
218
Change
0.5
2.4
-21.1
19.2
0.0
-0.2
0.3
0.6
Concentration
According to asset sizes and loan volume, shares
of the first largest five banks in total remained
unchanged. Their share in total deposits increased
by 1 percentage point.
The assets of the five largest banks amounted to
58 percent of the total banking sector.
Shares of the first largest ten banks in total assets
and deposits remained unchanged with 84 percent
and 89 percent, respectively. Shares of the first
largest ten banks decreased by 1 percentage point
to 84 percent.
As of 2015, the first five banks were composed of 1
state-owned and 3 private banks, and 1 private
bank, and the first ten banks were composed of 3
state-owned, 4 private and 3 foreign banks.
There were only one bank with an asset size of
more than USD 100 billion, and 3 banks with an
asset size of between USD 80 billion and USD 100
billion, 3 banks with an asset size of between USD
40 billion and USD 80 billion. However, asset size
of 70 percent of banks was below USD 10 billion.
Concentration in Banking Sector (Percentage)
Largest five*
Assets
Deposits
Loans
Largest ten*
Assets
Deposits
Loans
2004
2013
2014
2015
63
66
55
58
59
56
58
59
56
58
60
56
87
91
85
86
89
85
85
89
85
85
89
84
* In terms of total assets.
Source: BAT
The Number of Banks by Asset Size
(2014- 2015)
Billion
USD
0-2
Number
Deposit
State
Private
Foreign
Fund
Dev. inv.
Total
2-10
10-40
40-80
80-100
15
14
15
14
15
14
15
14
15
14
15
14
13
7
7
6
6
1
1
3
4
3
4
1
5
1
5
4
1
3
0
2
10
1
9
22
3
2
1
3
3
10
1
8
22
3
2
1
4
11
4
11
1
7
1
7
3
3
4
0
1
2
1
3
Source: BAT
Balance Sheet Size
Total assets increased by 18 percent to TL 2.4
billion (USD 808 billion). The rate of increase of
total assets declined by 6 percent level on dollar
basis. Total assets increased by 11 percent in fixed
exchange rates.
The ratio of total assets to gdp was at 121 percent
level.
Growth rate was 18 percent in deposit banks, 20
percent in state-owned banks, and 107 percent in
foreign banks. Private banks narrowed by 10
percent. The main reason behind this shrinkage
ZDV WKH VKLIW LQ 7 *DUDQWL %DQNDVÕ $ù¶V VWDWXV
from private bank to foreign bank. The rate of
growth in balance sheets of development and
investment banks was 26 percent.
Balance sheet size increased by TL 363 billion in
2015, 53 percent thereof (TL 193 billion) due to
deposits, 29 percent (TL 106 billion) due to nondeposit liabilities, and 8 percent (TL 30 billion) due
to shareholders’ equity.
68 percent of liabilities (TL 247 billion) was
allocated to loans, 17 percent (TL 62 billion) to
liquid assets, and 8 percent (TL 27 billion) to
securities portfolio.
I-14
Total Assets*
(TL billion, as percentage of gdp)
2600
130
120
2100
110
1600
100
1100
90
600
80
2011
2012
Assets
2013
2014
2015
Assets/gdp (right axis)
Source: BRSA
Selected Budget Items
Liquid assets
Securities
Loans
Total Assets
Deposits
Non-deposits
Shareholder
equity
Total liabilities
Source: BRSA
100+
14
Billion Billion
TL
USD
357
122
330
113
1,497
513
2,357
808
1,245
427
657
225
Perc.
Change
TL
21
9
20
18
18
19
Share
2014
15
15
63
100
53
28
2015
15
14
63
100
53
28
262
90
13
12
11
2,357
808
18
100
100
Market Shares of Groups (Percentage)
Sector Shares
The share of assets of deposit banks in the sector
was 90 percent, the share of assets of development
and investment banks was 5 percent.
The share of state-owned deposit banks was 28
percent, the share of private banks was 36 percent,
and the share of foreign banks was 26 percent.
Deposit banks
State-owned
Private
Foreign
Develop. and
invest. banks
Participation
Total
Contingencies and commitments grew by at a rate
close the balance sheet by 21 percent. Non-cash
loans and obligations (contingencies) and non-cash
commitments increased by 19 percent and 21
percent, respectively. The ratio of total assets to
off-balance sheet was 93 percent.
Loans
90
29
36
26
Deposits
94
31
37
26
5
5
100
5
5
100
6
100
Source: BRSA
When shares traded in Borsa Istanbul were
excluded, the share of banks owned by foreign
residents in total assets was 33 percent as of
December 2015.
Off-Balance Sheet Items
Assets
91
29
36
25
Off-Balance Sheet Items, 2015
Off-balance sheet items
Guaranties and warranties
Commitments
Derivatives
Other commitments
Billion
TL
2,540
459
2,081
1,584
498
Billion
USD
870
157
713
543
171
Perc. Change
USD
TL
21
-4
19
-5
21
-3
29
3
1
-19
Source: BRSA
Turkish Lira – Foreign Exchange Structure of
Balance Sheet
TL assets and TL liabilities increased by 12 percent
and 11 percent respectively, whereas assets in
foreign exchange and liabilities in foreign exchange
increased by 30 percent and 28 percent,
respectively. The share of TL assets in balance
sheet declined by 3 percentage points to 62
percent, while that of TL liabilities declined by 3
percentage points to 55 percent.
The share of TL assets in total assets was 61
percent in foreign banks, 65 percent in state-owned
banks, and 60 percent in private banks.
The Share of TL Items in Balance Sheet
(Percentage)
70
65
60
55
50
2011
2012
Assets
2013
2014
Liabilities
2015
Source: BRSA
Similar differences existed in the distribution of the
resources. In fact, the share of TL liabilities in total
liabilities was 64 percent in state-owned banks, and
53 percent in private banks, 50 percent in foreign
banks.
External Debt Stock of Financial Institutions
External debt stock of banks decreased by USD 8
billion to USD 164 billion, whereas the ratio of
external debts of banks to gdp increased by 1.2
percentage points to 22.8 percent.
FX acoounts in balance sheets of banks amounted
to USD 310 billion in assets and USD 367 billion in
liabilities. Loans accounted for 52 percent of FX
assets while deposits accounted for 49 percent of
liabilities.
I-15
Outstanding External Debt of Financial
Companies (USD billion)
Short-term
Long-term
Total
2014
95
77
172
2015
65
99
164
Perc. Change
-32
29
-5
FX Balance Sheet Items (USD billion)
Currency Risk
In-balance sheet, foreign exchange position had a
deficit of USD 31 billion, whereas foreign exchange
net general position had a surplus of USD 4 billion.
The ratio of net general position to shareholders’
equity was at 1 percent level.
Balance Sheet Structure
Loans and securities portfolio represented 63
percent and 15 percent of assets, respectively. The
share of securities was 14 percent. The share of
subsidiaries and fixed assets was 2 percent.
Deposits accounted for 53 percent of liabilities, and
borrowed from banks accounted for 15 percent,
The share of shareholders’ equity in total liabilities
was at 11 percent level.
Loans
Loan volume increased by 20 percent in nominal
terms and 14 percent in fixed exchange rates,
amounting to TL 1,497 billion (USD 513 billion).
Liquid assets
Banks
Securities
Required reserves
Loans
Assets
Deposits
Central Bank
Banks
Repos
Securities Issued.
Subordinated Debt
Liabilities
Balance sheet
Assets
Liabilities
FX position
Off- balance sheet FX position
FX position (net)
103
21
33
71
162
310
182
8
111
16
23
12
367
2014
2015
Perc.
Change
304
337
-33
30
-3
333
365
-31
35
4
10
8
-5
17
-
Source: BRSA
Loans
80
Distribution of Loans
40
70
60
50
30
2011
2012
2013
2014
2015
Source: BRSA
Project Financing (USD billion)
Risk Balance
-Cash
-Non-cash
Total commitments
Source: BAT
I-16
103
18
30
74
155
298
168
8
108
26
25
11
361
Perc.
Change
0
20
9
-4
4
4
8
-5
3
-37
-6
5
2
FX Position (USD billion)
TL loans amounted to 68 percent of loans and 32
percent were foreign exchange loans. The share of
the loans among large-scale firms/projects, SMEs
and consumers was 50 percent, 25 percent and 25
percent, respectively.
Loans for project financing amounted to TL 302
billion. Energy sector took the highest share with 52
percent in these loans. 13 percent and 12 percent
of project loans were utilized for real estate and
infrastructural projects, respectively.
2015
Source: BRSA
The ratio of loans to gdp increased by 5 percentage
points to 77 percent compared to the previous year.
The ratio of loans to project financing to gdp was 15
percent, while this ratio was 20 percent for SMEs
and 21 percent for consumers.
The distribution of loans among manufacturing
industry, commercial sector, construction industry
and energy sector was 25 percent, 20 percent, 10
percent and 8 percent, respectively.
2014
2015
208
179
29
302
Perc. Share
100
86
14
100
Loans to SMEs increased by 17 percent, and
noncash loans increased by 20 percent. The
number of SMEs borrowed loans were 3.5 million.
75 percent of SME loans were extended to micro
firms, 19 percent to small size companies, and 6
percent to medium-scale enterprises. An average
of SME loans amount was TL 116 thousand.
The share of housing loans in retail loans was 34
percent, the share of other consumer loans 39
percent, credit cards 25 percent, and that of
automobile 2 percent. As of September 2015, the
average housing loan of TL 67 thousand was
extended to a total of 2 million people. The number
of consumer loan borrowers was 17.5 million, and
average loan amount was TL 8.3 thousand.
Loans By Sectors (TL billion)
Annual
Perc.
chg.
24
17
10
11
2015
Corporate
SME
Retail
Credit cards
Consumer and
housing
Housing
Automobile
Consumer
Total
1,113
405
419
103
2014
2015
68
23
32
10
70
27
30
7
73
26
27
7
316
9
22
23
20
144
7
165
1,532
14
-6
6
20
10
2
10
100
10
1
12
100
9
0
11
100
Source: BRSA
Financial System Loans
Cash Loans*
(TL Billion)
1,696
34
24
20
1,773
Loans Extended by the Financial System
According to the Banks Association of Turkey
Risk Center Report cash loans extended directly
by banks and non-bank credit institutions in
Turkey increased by 29 percent to TL 1,773
billion in 2015. The amounts of cash loans
extended to banks, financial leasing companies,
financing companies and factoring companies
were TL 1,696 billion, TL 34 billion, TL 24 billion,
and TL 20 billion, respectively. Non-performing
loans amounted to TL 51.4 billion at the end of
2015. Thus, the ratio of non-performing loans to
total cash loans was at 2.8 percent level.
Perc. share
2008
Banks
Leasing
Financing Company
Factoring
Total
Perc.
share
96
2
1
1
100
* Loans extended to real and legal persons abroad by domestic banks
were included.
Source: BAT Risk Center Report
Non-Performing Loans* to Total Loans
(Percentage)
3,3
3,0
Credit Risk
Non-performing loans before specific provisions
increased by 31 percent to TL 47.5 billion. Specific
provisions were set aside for 75 percent of the nonperforming loans. The ratio of non-performing loans
after specific provisions to total loans was 0.8
percent.
The ratio of non-performing loans before specific
provisions to total loans was 3.2 percent. The ratio
of non-performing loans in corporate loans and
consumer loans was 2.7 percent and 4.3 percent
respectively. The ratio of non-performing loans in
credit cards was 7.4 percent, while that of in SME
loans was 4 percent. By sectors, the ratio of nonperforming loans in total loans was 3.7 percent in
construction sector, 2.9 percent in manufacturing
sector, 2.3 percent in agriculture sector, and 3.4
percent in trade sector.
The ratio of non-performing loans to total loans was
3 percent as of December 2015, while the ratio of
restructured loans was 2.7 percent, and further the
ratio of written off loans in the past five years was
0.9 percent in the deposit, development and
investment banks. Thus, the ratio of total nonperforming loans to loans was 6.6 percent.
I-17
2,7
2,4
2011
2012
2013
2014
2015
* Before provision.
Source: BRSA
Non-Performing Loans* to Total Loans
(Percentage)
Corporate
SME
Retail
Credit cards
Consumer and
housing
Housing
Automobile
Consumer
Total
* Before provision.
Source: BRSA
2013
2.6
3.2
2.9
5
2014
2.7
3.3
3.5
6.6
2015
2.7
4.0
4.3
7.4
2
2.6
3.3
0.6
2.9
3.1
2.7
0.5
3.3
4.2
2.9
0.5
3.3
5.7
3.2
Deposits
Total deposits grew by 18 percent in nominal terms
and 10 percent in fixed exchange rates to TL 1.245
billion TL (USD 427 billion). The ratio of deposits to
gdp was 64 percent. A 53 percent of assets were
financed by deposits.
The share of TL deposits in total deposits declined
by 3 percentage points to 55 percent. The ratio of
Turkish Lira deposits in total deposits was 68
percent in state-owned banks, 53 percent in private
banks, and 52 percent in foreign banks.
Deposits (As percentage of gdp)
62
60
58
56
54
52
50
2011
2012
2013
2014
2015
Source: BRSA
The ratio of saving deposits to total deposits was
37 percent, and the ratio of saving deposits to total
assets was 20 percent. Average maturity of total
deposits was 2.9 months. Average maturity was 2.7
months for TL deposits and 3.3 months for foreign
exchange deposits.
In 2015, loan-to-deposit ratio increased by 1
percentage point to 120 percent compared to the
previous year.
Non-Deposit Funds
Deposit and Non-Deposit Funds
(As percentage of total assets)
60
Non deposit funds amounting to 28 percent of the
total liabilities increased by 19 percent in nominal
terms, and 8 percent in fixed exchange rates to TL
657 billion (USD 225 billion) in the sector. Funds
borrowed from foreign banks accounted for 55
percent of non-deposit liabilities. The share of FX
liabilities in non-deposit liabilities was at 71 percent
level.
Funds from repo transactions grew by 14 percent
and constituted 14 percent of non-deposit funds.
On the other hand, bills and bonds issued by banks
reached TL 98 billion, representing 4 percent of
total balance sheet.
40
20
2011
Deposits
2015
Non-deposit funds
Source: BRSA
Shareholder’s Equity (TL billion)
Shareholders’ Equity
110
Shareholders’ equity increased by 12 percent to TL
262 billion (USD 90 billion).
Shareholders’ equity consisted of paid capital of TL
72 billion and reserves of TL 190 billion. Free
shareholders’ equity (shareholders’ equity – fixed
assets–non performing loans after provisions) rose
from TL 179 billion to TL 191 billion and decreased
from USD 77 billion to USD 66 billion on dollar
basis.
Shareholders’ equity financed 11 percent of total
assets. The ratio of free shareholders’ equity to
total assets was 8 percent.
I-18
100
90
80
70
60
2011
Source: BRSA
2012
2013
2014
2015
Capital Adequacy Ratio (Percentage)
Capital Adequacy
Capital adequacy ratio was at 15.6 percent while it
was 15 percent in deposit banks group; 27.8
percent in development and investment banks. This
ratio was 15 percent in participation banks.
The share of assets with a risk weight of 100
percent or more in the risk weighted assets
increased by 1 percentage point to 57 percent
compared to the previous year Risk weighted
assets increased by 18 percent, while the rate of
increase in regulatory capital was 13 percent.
Shareholders’ equity leverage ratio of assets was
7.7.
Average return on equity was 9 percent in in private
banks, 14.6 percent in state-owned banks, 11
percent in foreign banks and 7.9 percent in
development and investment banks.
18
17
16
15
14
2011
2013
2014
2015
Source: BRSA
Profit (USD billion)
14
12
10
8
Average return on assets decreased by 0.1
percentage point compared to the previous year
and realized as 1.2 percent level by December
2015.
Net Profit
2012
6
4
2
0
2011
2012
2013
2014
2015
Source: BRSA
Net profit increased by 6 percent in nominal terms,
while it contracted by 3 percent in fixed prices and
15 percent on dollar basis, amounting to TL 26.1
billion (USD 8.9 billion).
Net interest income after specific provisions
increased by 1 percent. The ratio of net interest
margin to total assets remained the same at 2.6
percent compared to December 2014.
Non-interest income and non-interest expenditures
increased by 1 percent and 16 percent,
respectively. The balance of non-interest income
and expenses continued to give a negative
balance.
The ratio of total expenditures to total income was
64 percent. The ratio of non-interest income to total
income was 33 percent, while non-interest
expenses coverage ratio was 52 percent.
Income-Expenditure Ratios
(Percentage)
Total expenditure / total income
Net interest margin/ total assets
Non-interest income/ non interest
expenditure
Banking services income/ non interest
expenditure
2008
59
3.5
2014
62
2.6
2015
64
2.6
74
60
52
41
39
37
Source: BRSA
Return on Equity* and Return on G-Securities
(Percentage)
16
Return on Equity
Average return on equity decreased by 1.1
percentage points to 10.5 percent. Thus, the
difference between return on equity and 9.8 percent
return of government debt securities (benchmark
bond, daily average) declined by 3.3 percentage
points to 0.7 percentage point. Average return on
equity remained also below the cost of capital
which was estimated to be 15 percent by the Banks
Association of Turkey.
I-19
12
8
4
0
2011
2012
2013
2014
2015
Return on Equity (average)
Return on Government Bonds
*Byt
he end of year.
*By the
Source: BRSA
Card Transaction Volume
According to data of the Interbank Card Center
(BKM), debit card and credit card transaction
volume was TL 1.041 billion (USD 352 billion) and,
its the ratio to gdp was 53 percent. The rate of
increase in only credit card transaction volume was
15 percent.
The number of credit cards exceeded 58 million,
while the number of debit cards exceeded 112
million. Numbers of POS devices and ATMs
realized as 2.2 million and 48 thousand level,
respectively. 75 percent of transactions were
money transfers and payments, and 2 percent were
credit card transactions.
Internet Banking
The number of customers using internet banking
transactions reached 17.4 million of which 93
percent of customers were individual, and 7 percent
were corporate customers. Financial transaction
volume via internet banking was TL 3,064 billion.
Selected Indicators
Total credit card (thousand)
Total debit card (thousand)
POS (thousand)
ATM
Credit card trans./gdp*
Debit card trans. vol. /gdp*
2014
2015
Perc.
Change
57,006
105,513
2,389
45,576
27
24
58,215
112,386
2,158
48,277
28
25
2
7
-2
6
-
* Used in Turkey.
Source: Interbank Card Center.
Selected Indicators for Internet Banking
Number of active customers
(thousand)
Financial transactions (TL billion)
2014
2015
Perc.
Change
14,315
17,420
22
2,562
3,064
20
Source: BAT
International comparison
Although the difference with EU in the ratio of size
of banking sector to GDP is still high, this difference
continued to narrow.
According to European Central Bank data, ratio of
bank assets of EU member states to gdp was 350
percent, in 2009 whereas this ratio was only 84
percent in Turkey. According to 2014 data, the ratio
of bank assets of EU member states to gdp was
311 percent, while this ratio rose to 114 percent in
Turkey. When compared in terms of loan to gdp
ratio, Turkey’s growth potential seems rather
impressive.
Selected Banking Indicators in EU and Turkey
(2014)
Assets/gdp (percent)
Loans/gdp (percent)
Deposit/gdp (percent)
People per Employee
People per Branch
EU
311
164
157
175
2,620
Turkey
114
71
60
360
6,363
Source: European Central Bank, EBF, BRSA, BAT, Turkstat
In 2014, the ratio of loans to gdp was 164 percent
in EU countries, this ratio was 71 percent in Turkey.
With reference to financial soundness indicators,
banking sector in Turkey seems to be considerably
strong. According to financial soundness indicators
of International Monetary Fund, the capital
adequacy ratio of banking sector in Turkey was
15.6 percent and average return on equity in regard
to pre-tax profit was 13.6 percent as of December
2015. Although capital adequacy ratio still remains
high, it is expected to continue declining due to
additional capital requirements to be launched for
systemically important banks, the effects of full
compliance with Basel III rules on capital adequacy
and the leveled down profitability expectations.
The steady 3 percent ratio of non-performing loans
to total loans in Turkey, shows a wider range
percentage distribution in developing countries.
I-20
Selected Countries’ Banking Indicators
(Percentage)
Argentina
Brazil
China
1
øQGLD
Indonesia
Malaysia
2
Russia
S. Africa
Turkey
Capital
Adequacy
13.2
15.5
13.0
12.7
21.3
16.3
12.7
14.2
15.6
Non-Performing
Loans to Total
Loans
1.7
3.1
1.5
5.9
2.4
1.6
8.3
3.1
3.0
1 Basel I.
2 Basel I and Basel II
Source: IMF Financial Soundness Indicators. April 2016
Latest data
Dec 15
Sep. 15
Jun. 15
Dec 15
Dec 15
Dec 15
Dec 15
Dec 15
Dec 15
The Banks Association of Turkey and
Banks Operating in Turkey
II-1
The Banks Association of Turkey
General Information
(*)
Date of Establishment
: 1958
Members
: Deposit banks and development and
investment banks operating in Turkey
Chairman of the Board
: +VH\LQ$\GÕQ7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ$ù
Deputy Chairman
: hPLW/HEOHELFL7UN(NRQRPL%DQNDVÕ$ù
Board of Directors
: 7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ$ù
7UNL\Høú%DQNDVÕ$ù
7UNL\H*DUDQWL%DQNDVÕ$ù$NEDQN7$ù
<DSÕYH.UHGL%DQNDVÕ$ù
7UNL\H+DON%DQNDVÕ$ù
7UNL\H9DNÕIODU%DQNDVÕ7$2
7UN(NRQRPL%DQNDVÕ$ù,1*%DQN$ù
+6%&%DQN$ùùHNHUEDQN7$ù
7UNL\H6ÕQDL.DONÕQPD%DQNDVÕ$ù
7XUNODQG%DQN$ù
Auditors
: 'HQL]EDQN$ù
Türk Eximbank,
$OWHUQDWLIEDQN$ù
Secretary General
: Dr. Ekrem Keskin
Head Office
: Nispetiye Cad. Akmerkez, B3 Blok, Kat 13
34340 Etiler
øVWDQEXO
Turkey
Phone
Fax
URL
E-mail
:
:
:
:
Number of Employees
: 63
Training Center
90-212-282 09 73
90-212-282 09 46
www.tbb.org.tr
tbb@tbb.org.tr
Phone : 90-212-282 09 73
Fax : 90-212-233 01 83
(*) Information provided as of May 5, 2016
II-3
II-4
$OL)XDW7DúNHVHQOLR÷OX
+DOLO$\GR÷DQ
Recep Süleyman Özdil
Ramazan Gündüz
Mithat Arikan
Ümit Leblebici
Adnan Bali
+VH\LQ)DLN$oÕNDOÕQ
øEUDKLP+DNDQ%|UWHoHQH
Yavuz Canevi
H.Ersin Özince
<ÕOGÕUÕP$OL.Ro
7XUNLVK%DQN$ù
7UN(NRQRPL%DQNDVÕ$ù
Ali Rastegar
Bank Mellat
Ali Murat Dinç
1HVOLKDQ6HUUD$NoDR÷OX
+DNDQ$WHú
Ersin Akyüz
7HPHO*]HOR÷OX
Mehmet Nazmi Erten
Alberto Jose Del Carmen
Verme Ferreyra
Herman Gref
Peter Johannes Maria Tils
Mehmet Ömer Arif Aras
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
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%DQNRI7RN\R0LWVXELVKL8)-7XUNH\$ù Ali Vefa Çelik
Yasuo Asada
Abdulhakim Ali Emhemed 9DOLNRQD÷Õ&DG1R1LúDQWDúÕøVWDQEXO
Khamag
Shahram Faridmehr
%\NGHUH&DG%LQELUoLoHN6RN1R/HYHQWøVWDQEXO
<ÕOPD](UWUN
$UDS7UN%DQNDVÕ$ù
216-659 10 00
212-371 37 37
216-600 30 00
212-279 80 15
212-225 05 00
212-315 65 00
(VHQWHSH0DK%\NGHUH&DG.ULVWDO.XOH%LQDVÕ1RùLúOL 212-318 50 00
øVWDQEXO
Esentepe Mah. Büyükdere Cad. Tekfen Tower No 209 Kat 17-18 212-317 01 00
ùLúOLøVWDQEXO
212-318 58 50
212-317 01 05
212-336 30 30
216-524 50 50
212-371 42 42
216-290 64 73
212-284 62 14
212-225 05 26
212-233 15 00
212-347 32 17
212-339 60 00
212-339 70 00
212-340 10 00
212-316 09 00
216-636 36 36
212-225 03 53
212-319 74 29
212-258 37 78
212-316 00 00
216-635 35 35
212-373 63 73
212-319 70 00
212-381 82 00
216-687 70 00
212-272 64 46
212- 319 52 52
212-272 64 20
212-398 11 55
212-340 93 99
312-584 25 51
Fax
212-385 55 55
212-398 15 15
216-503 70 70
312-584 20 00
Phone
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212-348 20 00
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Fatih Sultan Mehmet Mah. Poligon Cad. Buyaka 2 Sitesi No 8
.DW7HSHVWhPUDQL\HøVWDQEXO
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Müge Öner (Acting)
Tuncay Özilhan
$OWHUQDWLIEDQN$ù
Foreign Banks
Ömer Kalav
=OINDUùNU.DQEHUR÷OX
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<DSÕ.UHGL3OD]D'%ORN/HYHQWøVWDQEXO
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Saray Mah. Sokullu Cad. TEB Kampüs C ve D Blok No 7A-7B
hPUDQL\HøVWDQEXO
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B anks Under the Deposit Insurance Fund
Servet Taze
Hasan Basri Göktan
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(VHQWHSH0DK%\NGHUH&DG1RùLúOLøVWDQEXO
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Bekir Dildar
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$QDIDUWDODU0DK$WDWUN%XOYDUÕ1R$OWÕQGD÷$QNDUD
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State-owned Banks
Deposit Banks
B anks
L ist of the Member Banks Operating in Turkey*
II-5
$KPHWdDOÕN
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Adnan Bali
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212-315 25 25
312- 508 70 00
216-587 90 00
212-253 66 30
216-538 25 25
212-340 80 00
212-318 18 18
212-368 34 34
212-359 40 40
212-319 34 00
212-708 46 00
212-304 84 44
212-319 85 00
212-385 06 00
212-335 53 35
212-335 10 00
212-376 40 00
212-246 02 20
Phone
212-705 89 00
216-666 55 99
312-231 31 25
212-334 52 34
312-231 84 00
212-334 50 50
1HFDWLEH\&DG1R<HQLúHKLU$QNDUD
0HFOLVL0HEXVDQ&DG1R)ÕQGÕNOÕøVWDQEXO
212-282 63 01
212-345 07 12
212-286 81 01
212-319 95 11
212-315 25 26
312-508 73 99
216-489 97 74
212-253 94 54
216-538 42 58
212-340 89 87
212-318 18 88
212-368 35 35
212-359 50 50
212-282 18 44
212-708 46 99
212-304 84 45
212-319 86 64
212-385 06 49
212-328 13 28
212-286 61 00
212-336 29 39
212-234 08 07
Fax
216-666 55 00
6DUD\0DK$KPHW7HYILNøOHUL&DG1RhPUDQL\HøVWDQEXO
%\NGHUH&DG<DSÕ.UHGL3OD]D&%ORN.DW/HYHQWøVWDQEXO 212-339 37 00
Maslak Mah. A.O.S. 55. Sok. No 2 42 Maslak Ofis 3 Kat 7 Daire
6DUÕ\HUøVWDQEXO
%\NGHUH&DG1R.DQ\RQ2ILVL%OR÷X.DW/HYHQW
212-319 95 00
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Maslak Mah. Büyükdere Cad. Nurol Plaza No 257 B Blok, Kat 15 212-286 81 00
0DVODNøVWDQEXO
* The deposit banks and development and investment banks are included. Information provided as of May 5, 2016. Banks are placed in their groups as of this date.
Hayrettin Kaplan
&DYLW'D÷GDú
Türk Eximbank
Hikmet Cenk Eynehan
Agha-Ali Kamalov
3DVKD<DWÕUÕP%DQNDVÕ$ù
.DúLI$WXQ
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Ziya Akkurt
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6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN W.Richard Holmes
$ù
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Berat Elif Bilgi Zapparoli
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Osman Saraç
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Serdar Sümer
Ali Fuat Erbil
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Development and Investment Banks
A. Dinçer Alpman
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Stephane Jean Hild
Société Générale (SA)
Rauf Özdinçer
Mehmet Güray Alpkaya
Paul Gijsbert Beiboer
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Paulus Maria De Kroon
Hüseyin Özkaya
Samir Hanna
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Nehme Sabbagh
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Belma Özmen
JPMorgan Chase Bank N.A.
The Royal Bank of Scotland Plc.
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Intesa Sanpaolo S.p.A.
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John T. Mc Carthy
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Head Office
Brian Robertson
General Manager
Habib Bank Limited
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0032 http://www.teb.com.tr
0064 http://www.isbank.com.tr
FBHLTRIS
TUBATRIS
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1
1
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1,354
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301
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TCZBTR2A 0010 http://www.ziraatbank.com.tr
State-owned Banks
944
80
34
26
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80
Main Shareholders
11,071
3,647
1,786
URL
11,113
EFT
Code
The Banking System in Turkey
SWIFT
Code
No.of
Branches
Abroad
B anks
No.of
Domestic
Branches
B anks Operating in Turkey*
0
-
-
-
-
-
-
-
-
2
2
-
-
-
2
0
-
2
No.of
Exchange
Bureaus
0
-
-
2
-
-
-
-
-
-
2
-
-
2
9
3
1
9
No.of
Rep.
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0
-
8
3
-
-
3
-
1
2
17
-
2
3
41
14
9
44
No.of
Partic.
Abroad
225
225
18,261
25,157
9,927
252
4,078
1,290
1,711
14,050
74,756
30
15,410
17,104
195,838
58,211
25,697
201,204
No.of
Emp'ees
II-7
BKMTTRIS 0094 http://www.mellatbank.com
Bank Mellat
Industrial and Commercial Bank of China
Limited (ICBC) and other shares belonging to
the public
0109 http://www.icbc.com.tr
0099 http://www.ingbank.com.tr
ICBKTRIS
INGBTRIS
BCITTRIS
,1*%DQN$ù
Bankmed SAL, Arap Bank PLC, Arab Bank
Switzerland
TBNKTRIS
TGBATRIS 0062 http://www.garanti.com.tr
7XUNODQG%DQN$ù
0108 http://www.tbank.com.tr
ABNATRIS 0088 http://www.rbsbank.com.tr
%DQFR%LOEDR9L]FD\D$UJHQWDULD6$'R÷Xú
+ROGLQJ$ùand other shares belonging to
the public
Société Générale (SA) - Paris
RABOTRIS 0137 http://www.rabobank.com.tr
SOGETRIS 0122 http://www.sgcib.com.tr
5DEREDQN$ù
Rabobank International Holding B.V.
2GHD%DQN$ù
0148 http://www.intesasanpaolo.com. Intesa Sanpaolo S.p.A Italy
tr
CHASTRIS 0098 http://www.jpmorgan.com/pages JPMorgan Chase Bank Co.
/international/turkey
ODEATRIS 0146 http://www.odeabank.com.tr
Bank Audi SAL and others
ING Bank N.V.
HSBC Bank PLC
HSBCTRIX 0123 http://www.hsbc.com.tr
National Bank of Greece S.A., NBG
Finance(Dollar) PLC, NBGI Holdings B.V.
and other shares belonging to the public
,&%&7XUNH\%DQN$ù
FNNBTRIS 0111 http://www.finansbank.com.tr
)LQDQV%DQN$ù
Deutsche Bank A.G.
+6%&%DQN$ù
BKTRTRIS
'HXWVFKH%DQN$ù
Sberbank of Russia and other shares
Citigroup Netherlands B.V.
Habib Bank Limited Karachi - Pakistan
0115 http://www.db.com.tr
DENITRIS
'HQL]EDQN$ù
HABBTRIS 0097 http://www.habibbank.com.tr
0092 http://www.citibank.com.tr
0134 http://www.denizbank.com
CITITRIX
&LWLEDQN$ù
Burgan Bank S.A.K
Bank of Tokyo-Mitsubishi UFJ LTD.
Bank Mellat - Tehran
/LE\DQ)RUHLJQ%DQN7øú%DQNDVÕ$ù7&
=LUDDW%DQNDVÕ$ù.XZDLW,QYHVW&R
&RPPHUFÕDO%DQN2I4DWDU$QDGROX(QGVWUL
+ROGLQJ$ù
Main Shareholders
Habib Bank Limited
0125 http://www.burgan.com.tr
TEKFTRIS
%XUJDQ%DQN$ù
%DQNRI7RN\R0LWVXELVKL8)-7XUNH\$ù BOTKTRIS 0147 http://www.tu.bk.mufg.jp
0091 http://www.atbank.com.tr
ATUBTRIS
$UDS7UN%DQNDVÕ$ù
URL
0124 http://www.abank.com.tr
EFT
Code
ALFBTRIS
SWIFT
Code
Foreign Banks
$OWHUQDWLIEDQN$ù
B anks
971
34
1
1
9
-
-
-
-
-
55
1
-
-
2
-
4
-
1
-
1
-
-
-
-
-
17
-
No.of
Branches
Abroad
1
1
296
44
280
1
641
1
691
8
56
1
3
7
3,153
59
No.of
Domestic
Branches
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
0
-
No.of
Exchange
Bureaus
3
-
-
-
-
-
-
-
-
1
-
-
-
-
-
-
-
-
-
-
4
-
No.of
Rep.
Offices
7
-
-
-
-
-
-
-
-
-
-
-
-
-
3
-
-
-
-
-
10
-
No.of
Partic.
Abroad
19,692
662
57
110
38
1,538
56
27
5,603
841
4,997
15
12,950
123
12,923
517
1,022
63
48
291
62,646
1,073
No.of
Emp'ees
II-8
*6'+ROGLQJ$ù
Local and Provincial Administrations and
others
DYAKTRIS 0138 http://www.dilerbank.com.tr
GSDBTRIS 0139 http://www.gsdbank.com.tr
0004 http://www.ilbank.gov.tr
0132 http://www.takasbank.com.tr
-
TVSBTRIS
øOOHU%DQNDVÕ$ù
PAHATRIS 0116 http://www.pashabank.com.tr
7UNL\Høú%DQNDVÕ$ù7UNL\H9DNÕIODU
%DQNDVÕ7$2&DPLú<DWÕUÕP+ROGLQJ$ù
and other shares belonging to the public
TSKBTRIS
* The deposit banks and development and investment banks are included. Figures provided as of December 31, 2015.
0014 http://www.tskb.com.tr
The Treasury
TKBNTR2A 0017 http://www.kalkinma.com.tr
0121 http://www.standardchartered.c Standard Chartered Bank
om.tr
0016 http://www.eximbank.gov.tr
The Treasury
1XURO+ROGLQJ$ù1XUROøQúDDWYH7LF$ù
and others
Pasha Bank OJSC, Aksoy Holding and others
NUROTRIS 0141 http://www.nurolbank.com.tr
6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN BSUITRIS
$ù
Türk Eximbank
TIKBTR2A
Bank of America Global Holdings, LP
MEYYTRISX 0129 http://www.mlyb.com.tr
øVWDQEXO6WRFN([FKDQJHDQGRWKHUV
Tarshish Hapoalim and Investment Ltd.,
C Factoring
<D]ÕFÕ'HPLUdHOLN6DQD\LYH7XUL]P7LF
$ù)DWPD7XED<D]ÕFÕDQGRWKHUV
0142 http://www.bankpozitif.com.tr
BPTRTRIS
dDOÕN+ROGLQJ$ùDQGRWKHUV
Main Shareholders
%DQN3R]LWLI.UHGLYH.DONÕQPD%DQNDVÕ
$ù
URL
0143 http://www.aktifbank.com.tr
EFT
Code
CAYTTRIS
SWIFT
Code
B anks
3
-
-
-
3
1
-
-
-
-
-
-
-
-
-
-
0
No.of
Branches
Abroad
1
1
1
1
1
19
1
1
1
8
42
No.of
Domestic
Branches
-
-
-
-
-
-
-
-
-
-
-
-
-
0
No.of
Exchange
Bureaus
-
-
-
-
-
-
-
-
-
-
-
-
-
0
No.of
Rep.
Offices
-
1
-
-
-
-
-
-
-
-
-
-
2
3
No.of
Partic.
Abroad
332
602
541
33
31
40
41
285
2,640
26
17
140
638
5,366
No.of
Emp'ees
x
Deposit Banks
State-owned Banks
Banks Under the Deposit Insurance Fund
Foreign Banks
x
II-9
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Cash and Balances with the Central Bank
Fin.ass.where fair value cha. is refl.to I/S (Net)
Financial assets held for trading
Public sector debt securities
Securities representing a share in capital
Derivative financial assets held for trading
Other marketable securities
Fin.assets clas. as fair value change is refl.to I/S
Loans
Banks
Money Market Securities
Interbank money market placements
Istanbul Stock Exc. money market placements
Receiv. from reverse repurchase agreements
Financial Assets Available for Sale (Net)
Loans and Receivables
Loans granted to the Banks risk group
Other
Loans under follow-up
Specific provisions (-)
Factoring Receivables
Investments held to Maturity (Net)
Investments and Associates (Net)
Accounted with equity method
Non-consolidated investments and associates
Financial investments and associates
Non-financial investments and associates
Subsidiaries (Net)
Financial subsidiaries
Non-financial subsidiaries
Joint Ventures (Business Partners) (Net)
Non-consolidated joint ventures
Financial joint ventures
Non-financial joint ventures
Recivables From Leasing Transactions
Finance lease receivables
Operational leasing receivables
Others
Unearned income (-)
Derivative Financial Assets Held for Hedging
Fair value hedges
Cash flow hedges
Hedges for invest. made in foreign countries
Property and Equipment (Net)
Intangible Assets (Net)
Goodwill
Other
Real Estates for Investment Purpose (Net)
Assets for Tax
Current assets for tax
Deferred assets for tax
Prop.&Equ.for Sale p. and from Term.Op.(Net)
Other Assets
10,109
4,128
4,040
872
38
3,122
9
88
0
0
88
0
6,096
3,925
3
543
3,379
60,811
136
59,957
717
336,331
332,828
3,074
0
329,754
14,620
11,118
378
20,298
20,248
50
253
0
253
230
23
6,991
5,196
1,794
41
0
41
39
2
4
3
1
0
0
2,262
1,123
1,138
0
8,295
1,443
480
963
305
616
20
597
759
5,725
76,146
2,101
2,101
80
0
1,964
58
0
0
0
0
0
15,099
542
78
66
398
22,439
622
18,231
3,586
163,487
163,457
2,859
0
160,598
185
155
16
10,126
8,409
1,716
197
0
197
197
0
3,658
3,658
0
38
0
38
38
0
11
11
0
0
1
240
28
213
0
9
1
0
1
0
5
0
5
0
3,366
86,255
6,230
6,142
951
38
5,086
66
88
0
0
88
0
21,195
4,467
81
609
3,778
83,250
759
78,188
4,303
499,817
496,285
5,933
0
490,352
14,805
11,273
394
30,423
28,657
1,766
450
0
450
427
23
10,649
8,854
1,794
79
0
79
77
2
15
15
1
0
1
2,502
1,151
1,351
0
8,304
1,445
480
964
305
621
20
601
759
9,091
11.3
0.8
0.8
0.1
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
2.8
0.6
0.0
0.1
0.5
10.9
0.1
10.2
0.6
65.2
64.8
0.8
0.0
64.0
1.9
1.5
0.1
4.0
3.7
0.2
0.1
0.0
0.1
0.1
0.0
1.4
1.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.2
0.2
0.0
1.1
0.2
0.1
0.1
0.0
0.1
0.0
0.1
0.1
1.2
13,207
3,534
3,395
859
32
2,494
10
138
0
0
138
0
7,480
8,566
3
334
8,230
77,336
176
75,489
1,670
364,168
360,681
3,297
0
357,384
14,028
10,541
131
25,562
25,528
34
616
0
616
306
310
7,245
4,992
2,253
90
0
90
87
2
6
6
1
0
1
1,395
875
521
0
6,986
1,662
638
1,024
160
922
63
859
730
5,818
79,017
1,957
1,957
64
0
1,716
177
0
0
0
0
0
13,198
45
0
45
0
19,775
167
16,072
3,536
155,703
155,618
2,489
0
153,129
253
168
7
10,645
9,036
1,609
61
0
61
61
0
3,237
3,237
0
33
0
33
33
0
15
17
0
0
1
66
14
52
0
9
2
0
2
0
1
0
1
0
2,131
92,224
5,491
5,353
923
32
4,210
187
138
0
0
138
0
20,677
8,611
3
379
8,230
97,111
343
91,562
5,206
519,870
516,298
5,786
0
510,513
14,282
10,710
138
36,206
34,564
1,643
677
0
677
367
310
10,481
8,228
2,253
123
0
123
120
2
22
23
1
0
3
1,461
889
572
0
6,995
1,664
638
1,026
160
923
63
860
730
7,948
11.4
0.7
0.7
0.1
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
2.5
1.1
0.0
0.0
1.0
12.0
0.0
11.3
0.6
64.1
63.6
0.7
0.0
62.9
1.8
1.3
0.0
4.5
4.3
0.2
0.1
0.0
0.1
0.0
0.0
1.3
1.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.1
0.0
0.9
0.2
0.1
0.1
0.0
0.1
0.0
0.1
0.1
1.0
Total Assets
468,769
297,481
766,250
100.0
525,612
285,900
811,513
100.0
II-10
December 2015
Liabilities
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Deposits held by the Banks risk group
Other
Derivative Finan. Liabilities Held for Trading
Funds Borrowed
Money Market Takings
Interbank money market takings
Istanbul Stock Exc. money market takings
Funds provided under repurchase agreements
Marketable Securities Issued (Net)
Bills
Asset backed securities
Bonds
Funds
Borrower funds
Others
Miscellaneous Payables
Other External Resources
Factoring Payables
Leasing Transactions Payables (Net)
Finance leasing payables
Operations leasing payables
Others
Deferred finance leasing expenses (-)
Derivative Finan. Liabilities Held for Hedging
Fair value hedges
Cash flow hedges
Provisions
General provisions
Restructuring reserves
Reserves for employee benefit
Insurance technical reserves (Net)
Other provisions
Liabilities for Tax
Current liabilities for tax
Deferred liabilities for tax
Lia.for Pro.&Equ.for Sale p. and from Term.Op.(Net)
Subordinated Loans
Shareholders' Equity
Paid-in capital
Supplementary capital
Share premium
Share cancellation profits
Valuation changes in marketable securities
Revaluation changes of property and equip.
Revaluation changes of intangible assets
Revaluation changes of real est.for inv. pur.
Free shares from inv.&ass.,subs.& joint vent.
Hedging funds (active part)
Val.inc.in pro.& equ.held for sale p.and term.ope.
Other capital reserves
Profit reserves
Legal reserves
Status reserves
Extraordinary reserves
Other profit reserves
Profit or loss
Prior years income/loss
Current year income/loss
240,168
6,560
233,609
2,615
4,659
38,456
1,542
247
36,668
10,090
6,831
453
2,807
4,285
65
4,221
13,792
5,381
0
39
48
0
0
9
115
16
99
0
11,806
6,975
0
1,659
0
3,173
1,838
1,697
142
0
442
85,439
22,132
9,160
1,068
0
855
3,922
0
0
51
168
28
3,069
50,562
4,633
68
44,982
879
3,585
-5,203
8,788
188,431
8,331
180,100
1,443
97,175
16,229
0
0
16,229
23,855
1,717
0
22,138
165
164
0
4,468
2,478
0
4
5
0
0
0
257
193
65
0
765
623
0
10
0
132
19
19
0
1
11,046
786
0
720
0
0
728
0
0
0
0
-8
0
0
66
4
0
1
60
0
0
0
428,600
14,891
413,709
4,058
101,834
54,685
1,542
247
52,896
33,944
8,548
453
24,944
4,450
229
4,221
18,260
7,859
0
43
53
0
0
10
372
209
163
0
12,572
7,597
0
1,669
0
3,305
1,857
1,716
142
1
11,489
86,225
22,132
9,880
1,068
0
1,583
3,922
0
0
51
160
28
3,069
50,628
4,637
68
44,983
940
3,585
-5,203
8,788
55.9
1.9
54.0
0.5
13.3
7.1
0.2
0.0
6.9
4.4
1.1
0.1
3.3
0.6
0.0
0.6
2.4
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
1.0
0.0
0.2
0.0
0.4
0.2
0.2
0.0
0.0
1.5
11.3
2.9
1.3
0.1
0.0
0.2
0.5
0.0
0.0
0.0
0.0
0.0
0.4
6.6
0.6
0.0
5.9
0.1
0.5
-0.7
1.1
279,796
8,633
271,163
1,767
7,283
32,723
86
23
32,615
13,419
9,063
520
3,836
4,772
78
4,694
14,797
6,097
0
57
73
0
0
16
416
82
333
0
13,130
7,295
0
1,872
0
3,963
2,256
2,200
56
1
560
94,013
24,917
11,167
1,351
0
3,729
1,977
0
0
63
-167
0
4,213
54,702
5,330
66
48,600
707
3,228
-7,287
10,514
174,730
7,745
166,985
1,752
92,874
25,741
0
0
25,741
25,397
3,142
0
22,255
154
154
0
3,607
2,738
0
8
9
0
0
1
288
166
123
0
694
569
0
11
0
114
14
14
0
1
10,890
1,535
0
1,476
0
0
1,569
0
0
0
0
-92
0
0
59
5
0
1
53
0
0
0
454,526
16,378
438,148
3,519
100,157
58,464
86
23
58,355
38,816
12,205
520
26,091
4,926
232
4,694
18,404
8,835
0
65
82
0
0
17
704
248
456
0
13,824
7,864
0
1,883
0
4,076
2,270
2,214
56
3
11,450
95,548
24,917
12,643
1,351
0
5,298
1,977
0
0
63
-259
0
4,213
54,761
5,334
66
48,601
760
3,228
-7,287
10,514
56.0
2.0
54.0
0.4
12.3
7.2
0.0
0.0
7.2
4.8
1.5
0.1
3.2
0.6
0.0
0.6
2.3
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.7
1.0
0.0
0.2
0.0
0.5
0.3
0.3
0.0
0.0
1.4
11.8
3.1
1.6
0.2
0.0
0.7
0.2
0.0
0.0
0.0
0.0
0.0
0.5
6.7
0.7
0.0
6.0
0.1
0.4
-0.9
1.3
Total Liabilities
419,127
347,124
766,250
100.0
471,088
340,425
811,513
100.0
II-11
Off Balance Sheet Commitments
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Guarantees and Warranties
Letters of guarantee
Bank acceptances
Letters of credit
Prefinancing given as guarantee
Endorsements
Other guarantees and warrantees
Commitments
Irrevocable commitments
Revocable commitments
Derivative Financial Instruments
Derivative finan. instruments held for hedging
Trading transactions
Custody and Pledged Securities
Items held in Custody
Pledged Items
Acccepted independent guaran. and warran.
58,087
54,526
189
50
0
0
3,320
122,274
116,174
6,100
159,815
26,571
133,244
2,616,930
960,545
1,195,908
460,478
86,855
53,579
4,946
21,941
1
0
6,389
44,964
31,978
12,986
373,145
36,059
337,086
709,067
37,166
452,125
219,776
144,942
108,105
5,135
21,991
1
0
9,710
167,237
148,151
19,086
532,960
62,630
470,330
3,325,997
997,710
1,648,033
680,254
63,532
59,173
95
34
0
0
4,230
152,575
132,022
20,552
163,482
27,520
135,962
2,635,454
935,820
1,206,159
493,476
86,938
52,047
6,182
23,213
1
0
5,495
54,320
26,919
27,401
355,290
31,031
324,259
705,182
37,245
454,267
213,669
150,470
111,220
6,277
23,247
1
0
9,724
206,895
158,941
47,954
518,772
58,551
460,220
3,340,636
973,065
1,660,426
707,145
Total Off Balance Sheet Commitments
2,957,106
1,214,031
4,171,137
3,015,042
1,201,730
4,216,772
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest received from reserve deposits
Interest received from banks
Interest received from money market transactions
Interest received from marketable securities portfolio
Other interest income
Interest Expenses
Interest on deposits
Interest on money market transactions
Interest on funds borrowed
Interest on securities issued
Other interest expenses
Net Interest Income/Expenses
Net Fees and Commissions Income/Expenses
Fees and commissions received
Fees and commissions paid
Dividend Income
Trading Profit/Loss (net)
Profit/loss on trading account securities
Profit/losses on derivative financial transactions
Foreign exchange profit/loss
Other Operating Income
Total Operating Income/Expenses
Provision for Loan Losses or other Receivables (-)
Specific provisions of banks loans and other receivables*
General provision expenses*
Other Operating Expenses (-)
Personnel Expenses*
Net Operating Profit/Loss
Surplus written as gain after merger
Profit/losses from equity method applied subsidiaries
Net monetory position gain/loss
Profit/Loss Before Taxes from Continuing Operations
Provisions for Taxes on Income from Continuing Operations (±)
Net Profit/Loss from Continuing Operations
Net Profit/Loss Before Taxes from Terminated Operations
Provisions for Taxes on Income from Terminated Operations (±)
Net Profit/Loss from Terminated Operations
Net Profit/Losses
* Used from information and disclosures related to income statement.
II-12
Dec. 2014
54,579
44,394
171
546
473
8,820
175
28,521
20,699
2,279
3,070
2,178
296
26,058
6,494
8,233
1,739
429
-2,146
552
-56
-2,643
3,156
33,990
6,712
4,773
1,484
16,737
6,764
10,542
0
448
0
10,989
-2,294
8,695
98
-5
93
57,925
45,000
8
593
777
11,370
177
30,038
22,155
2,314
3,178
2,133
258
27,887
7,425
9,352
1,927
592
-1,186
918
-4,365
2,261
3,528
38,246
6,952
4,870
1,372
17,967
7,615
13,327
0
0
0
13,327
-2,846
10,481
34
0
34
8,788
10,514
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
Shareholders’ Equity / ((Capital to be Employed to credit + market + operational
risk)*12.5)*100
15.6
16.4
Shareholders' Equity / Total Assets
11.3
11.8
(Shareholders' Equity - Permanent Assets) / Total Assets
8.0
8.8
-36.8
-35.0
1.4
-3.1
TC Assets / Total Assets
61.2
64.8
TC Liabilities / Total Liabilities
54.7
58.1
FC Assets / FC Liabilities
85.7
84.0
TC Deposits / Total Deposits
56.0
61.6
TC Loans / Total Loans and Receivables
67.3
70.0
Total Deposits / Total Assets
55.9
56.0
Funds Borrowed / Total Assets
13.3
12.3
Net On Balance Sheet Position / Total Shareholders' Equity
Net On and Off Balance Sheet Position / Total Shareholders' Equity
Balance-Sheet Ratios
Assets Quality
Financial Assets (net) / Total Assets
16.0
17.3
Total Loans and Receivables / Total Assets
65.2
64.1
116.6
114.4
Total Loans and Receivables / Total Deposits
Loans Under Follow-up (gross) / Total Loans and Receivables
3.0
2.7
Loans Under Follow-up (net) / Total Loans and Receivables
0.7
0.7
76.1
75.0
Specific Provisions / Loans Under Follow-up
Permanent Assets / Total Assets
Consumer Loans / Total Loans and Receivables
3.3
3.0
25.7
28.5
Liquidity
Liquid Assets / Total Assets
26.3
27.6
Liquid Assets / Short-term Liabilities
50.6
52.9
TC Liquid Assets / Total Assets
11.1
13.6
Profitability
Net Profit/Losses / Total Assets
Net Profit/Losses / Total Shareholders' Equity
Profit/Losses Before Taxes after Continuing Operations / Total Assets
1.1
1.3
10.2
11.0
1.4
1.6
Income-Expenditure Structure
Net Interest Income After Specific Provisions / Total Assets
2.8
2.8
62.6
60.2
Non-interest Income (net) / Total Assets
1.0
1.3
Other Operating Expenses / Total Assets
2.2
2.2
Personnel Expenses / Other Operating Expenses
40.4
42.4
Non-interest Income (net) / Other Operating Expenses
47.4
57.7
Net Interest Income After Specific Provisions / Total Operating Income (Expenses)
Quarterly profitability and income-expenditure ratios, except year-end figures, should be considered periodically.
II-13
Deposit Banks
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
10,029
4,054
3,966
808
38
3,112
9
88
0
0
88
0
2,889
3,474
3
112
3,359
59,766
108
59,072
586
326,954
323,496
2,204
0
321,292
14,456
10,998
378
19,840
19,797
43
197
0
197
178
19
6,901
5,150
1,750
41
0
41
39
2
0
0
0
0
0
2,253
1,115
1,138
0
8,055
1,385
480
905
256
572
18
554
758
5,468
75,553
2,039
2,039
80
0
1,902
58
0
0
0
0
0
13,780
542
78
66
398
22,100
619
17,932
3,550
145,167
145,137
2,682
0
142,455
185
155
16
10,072
8,355
1,716
187
0
187
187
0
3,658
3,658
0
38
0
38
38
0
0
0
0
0
0
212
9
203
0
9
1
0
1
0
5
0
5
0
3,072
85,582
6,093
6,005
888
38
5,014
66
88
0
0
88
0
16,669
4,016
80
178
3,758
81,866
726
77,004
4,136
472,121
468,633
4,886
0
463,747
14,641
11,153
394
29,912
28,153
1,760
384
0
384
365
19
10,559
8,808
1,750
79
0
79
77
2
0
0
0
0
0
2,465
1,123
1,341
0
8,064
1,386
480
906
256
577
18
559
758
8,540
11.7
0.8
0.8
0.1
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
2.3
0.6
0.0
0.0
0.5
11.2
0.1
10.6
0.6
64.7
64.2
0.7
0.0
63.6
2.0
1.5
0.1
4.1
3.9
0.2
0.1
0.0
0.1
0.0
0.0
1.4
1.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.2
0.2
0.0
1.1
0.2
0.1
0.1
0.0
0.1
0.0
0.1
0.1
1.2
13,135
3,448
3,310
786
32
2,483
9
138
0
0
138
0
3,915
8,305
3
242
8,061
75,601
140
74,035
1,426
353,366
349,954
2,201
0
347,752
13,822
10,410
131
25,366
25,340
27
543
0
543
237
306
7,137
4,929
2,208
90
0
90
87
2
0
0
0
0
0
1,360
840
521
0
6,798
1,629
638
991
63
876
62
814
700
5,662
78,526
1,917
1,917
61
0
1,680
177
0
0
0
0
0
11,898
45
0
45
0
19,506
164
15,824
3,518
139,222
139,137
2,431
0
136,706
252
167
7
10,624
9,015
1,609
51
0
51
51
0
3,174
3,174
0
33
0
33
33
0
0
0
0
0
0
61
10
52
0
9
2
0
2
0
1
0
1
0
1,985
91,661
5,365
5,227
846
32
4,163
185
138
0
0
138
0
15,814
8,349
3
286
8,061
95,107
304
89,859
4,944
492,588
489,090
4,632
0
484,458
14,075
10,577
138
35,990
34,355
1,636
594
0
594
288
306
10,311
8,103
2,208
123
0
123
120
2
0
0
0
0
0
1,422
850
572
0
6,807
1,631
638
993
63
877
62
815
700
7,646
11.8
0.7
0.7
0.1
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
2.0
1.1
0.0
0.0
1.0
12.3
0.0
11.6
0.6
63.5
63.1
0.6
0.0
62.5
1.8
1.4
0.0
4.6
4.4
0.2
0.1
0.0
0.1
0.0
0.0
1.3
1.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.1
0.0
0.9
0.2
0.1
0.1
0.0
0.1
0.0
0.1
0.1
1.0
Total Assets
453,269
276,451
729,720
100.0
508,125
267,061
775,186
100.0
II-14
Deposit Banks
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
240,168
6,560
233,609
2,596
4,230
37,487
1,527
247
35,713
9,147
6,713
453
1,981
2,707
10
2,697
12,770
5,314
0
39
48
0
0
9
104
5
99
0
11,437
6,816
0
1,582
0
3,039
1,763
1,624
139
0
442
77,400
16,240
8,553
1,049
0
871
3,907
0
0
51
168
28
2,479
49,609
4,274
0
44,465
869
2,997
-5,189
8,187
188,431
8,331
180,100
1,387
78,117
16,194
0
0
16,194
21,103
1,717
0
19,386
0
0
0
3,667
2,448
0
1
1
0
0
0
252
187
65
0
759
623
0
4
0
132
19
19
0
1
10,955
783
0
717
0
0
725
0
0
0
0
-9
0
0
66
4
0
1
60
0
0
0
428,600
14,891
413,709
3,983
82,347
53,681
1,527
247
51,907
30,250
8,430
453
21,367
2,707
10
2,697
16,437
7,762
0
40
50
0
0
9
356
192
163
0
12,196
7,438
0
1,586
0
3,171
1,782
1,643
139
1
11,397
78,182
16,240
9,270
1,049
0
1,596
3,907
0
0
51
160
28
2,479
49,675
4,279
0
44,467
930
2,997
-5,189
8,187
58.7
2.0
56.7
0.5
11.3
7.4
0.2
0.0
7.1
4.1
1.2
0.1
2.9
0.4
0.0
0.4
2.3
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
1.0
0.0
0.2
0.0
0.4
0.2
0.2
0.0
0.0
1.6
10.7
2.2
1.3
0.1
0.0
0.2
0.5
0.0
0.0
0.0
0.0
0.0
0.3
6.8
0.6
0.0
6.1
0.1
0.4
-0.7
1.1
279,796
8,633
271,163
1,762
6,979
31,674
86
5
31,583
12,112
8,413
520
3,179
3,101
8
3,093
13,707
5,961
0
57
73
0
0
16
415
82
333
0
12,712
7,110
0
1,787
0
3,815
2,184
2,129
55
1
560
84,919
18,289
10,354
1,327
0
3,688
1,969
0
0
63
-167
0
3,473
53,707
4,916
0
48,097
695
2,569
-7,284
9,853
174,730
7,745
166,985
1,712
75,196
25,632
0
0
25,632
22,911
2,900
0
20,011
0
0
0
3,077
2,708
0
4
4
0
0
0
281
158
123
0
685
569
0
3
0
114
14
14
0
1
10,782
1,512
0
1,454
0
0
1,546
0
0
0
0
-92
0
0
59
5
0
1
53
0
0
0
454,526
16,378
438,148
3,475
82,175
57,305
86
5
57,214
35,024
11,313
520
23,191
3,101
8
3,093
16,783
8,669
0
61
77
0
0
16
696
240
456
0
13,397
7,679
0
1,790
0
3,928
2,198
2,143
55
3
11,341
86,431
18,289
11,808
1,327
0
5,234
1,969
0
0
63
-259
0
3,473
53,766
4,921
0
48,097
748
2,569
-7,284
9,853
58.6
2.1
56.5
0.4
10.6
7.4
0.0
0.0
7.4
4.5
1.5
0.1
3.0
0.4
0.0
0.4
2.2
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.7
1.0
0.0
0.2
0.0
0.5
0.3
0.3
0.0
0.0
1.5
11.1
2.4
1.5
0.2
0.0
0.7
0.3
0.0
0.0
0.0
0.0
0.0
0.4
6.9
0.6
0.0
6.2
0.1
0.3
-0.9
1.3
Total Liabilities
405,604
324,116
729,720
100.0
455,940
319,246
775,186
100.0
II-15
Deposit Banks
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
55,379
53,752
189
50
0
0
1,388
115,816
112,458
3,358
157,451
25,763
131,688
1,904,150
267,105
1,180,925
456,120
85,053
53,003
4,937
21,678
1
0
5,433
39,135
30,354
8,782
362,554
31,225
331,328
644,065
36,558
413,729
193,779
140,432
106,755
5,127
21,729
1
0
6,821
154,951
142,811
12,140
520,005
56,989
463,017
2,548,215
303,662
1,594,654
649,899
59,694
58,102
94
34
0
0
1,464
146,301
129,041
17,260
161,344
26,572
134,772
1,978,509
299,251
1,190,976
488,281
85,301
51,443
6,180
22,919
1
0
4,758
49,833
26,108
23,725
347,080
27,849
319,231
643,667
36,472
419,142
188,053
144,995
109,545
6,273
22,953
1
0
6,222
196,133
155,149
40,985
508,424
54,422
454,002
2,622,176
335,723
1,610,118
676,335
2,232,797
1,130,807
3,363,604
2,345,847
1,125,881
3,471,728
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-16
Dec. 2014
52,960
43,193
169
338
428
8,662
170
27,997
20,699
2,091
2,992
1,928
287
24,963
6,420
8,138
1,718
410
-2,093
546
-192
-2,447
2,977
32,676
6,628
4,739
1,467
16,244
6,526
9,805
0
448
0
10,252
-2,159
8,094
98
-5
93
56,276
43,722
7
444
755
11,178
171
29,558
22,155
2,125
3,097
1,935
245
26,718
7,343
9,253
1,910
576
-1,123
911
-4,338
2,304
3,257
36,772
6,798
4,837
1,347
17,447
7,339
12,527
0
0
0
12,527
-2,708
9,819
34
0
34
8,187
9,853
Deposit Banks
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.0
15.7
10.7
11.1
7.3
8.1
-39.4
-37.5
1.7
-3.5
62.1
65.5
55.6
58.8
85.3
83.7
56.0
61.6
69.3
71.7
58.7
58.6
11.3
10.6
Assets Quality
16.5
17.8
64.7
63.5
110.2
108.4
3.1
2.9
0.7
0.7
76.2
75.1
3.4
3.1
27.1
30.0
Liquidity
26.6
27.9
49.5
51.8
11.0
13.5
Profitability
1.1
1.3
10.5
11.4
1.4
1.6
2.8
2.8
61.9
59.5
1.1
1.3
2.2
2.3
40.2
42.1
47.5
57.6
II-17
State-owned Banks
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
3,614
483
483
4
0
476
2
0
0
0
0
0
401
0
0
0
0
21,115
59
21,056
1
108,523
107,624
186
0
107,438
4,096
3,198
0
9,194
9,183
12
132
0
132
124
8
1,624
1,521
102
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,847
156
0
156
125
95
0
95
424
1,466
24,262
237
237
7
0
230
0
0
0
0
0
0
3,777
0
0
0
0
6,905
231
6,650
24
41,348
41,348
514
0
40,834
4
4
0
2,628
2,579
49
71
0
71
71
0
686
686
0
38
0
38
38
0
0
0
0
0
0
0
0
0
0
5
1
0
1
0
0
0
0
0
650
27,876
720
720
11
0
706
2
0
0
0
0
0
4,179
0
0
0
0
28,020
289
27,706
25
149,871
148,972
700
0
148,272
4,100
3,202
0
11,822
11,762
60
203
0
203
195
8
2,310
2,207
102
38
0
38
38
0
0
0
0
0
0
0
0
0
0
2,853
158
0
158
125
95
0
95
424
2,116
12.1
0.3
0.3
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.0
12.1
0.1
12.0
0.0
64.9
64.5
0.3
0.0
64.2
1.8
1.4
0.0
5.1
5.1
0.0
0.1
0.0
0.1
0.1
0.0
1.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.1
0.0
0.1
0.1
0.0
0.0
0.0
0.2
0.9
4,753
283
283
20
0
261
2
0
0
0
0
0
254
0
0
0
0
27,816
84
27,725
6
112,329
111,336
146
0
111,191
4,463
3,470
0
12,009
12,005
5
180
0
180
170
10
1,729
1,606
124
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,822
164
0
164
0
229
0
228
397
1,668
26,323
81
81
7
0
74
0
0
0
0
0
0
2,344
0
0
0
0
6,341
136
6,147
58
37,340
37,340
501
0
36,839
3
3
0
2,877
2,837
40
32
0
32
32
0
621
621
0
33
0
33
33
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
0
0
0
0
568
31,076
364
364
27
0
335
2
0
0
0
0
0
2,598
0
0
0
0
34,157
220
33,872
65
149,669
148,676
646
0
148,030
4,466
3,473
0
14,886
14,842
45
212
0
212
202
10
2,350
2,226
124
33
0
33
33
0
0
0
0
0
0
0
0
0
0
2,825
165
0
165
0
229
0
228
397
2,236
12.9
0.2
0.2
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
0.0
0.0
0.0
14.2
0.1
14.0
0.0
62.1
61.6
0.3
0.0
61.4
1.9
1.4
0.0
6.2
6.2
0.0
0.1
0.0
0.1
0.1
0.0
1.0
0.9
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.2
0.9
Total Assets
150,200
80,610
230,809
100.0
164,634
76,563
241,197
100.0
II-18
State-owned Banks
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
94,851
1,002
93,849
58
874
15,546
805
0
14,740
2,362
2,362
0
0
2,707
10
2,697
2,447
1,337
0
0
0
0
0
0
0
0
0
0
3,481
2,022
0
753
0
705
580
556
24
0
0
22,833
2,999
2,680
248
0
126
1,907
0
0
33
0
0
367
13,875
1,861
0
11,362
652
3,279
55
3,224
48,577
157
48,419
193
19,126
6,469
0
0
6,469
6,116
259
0
5,857
0
0
0
568
855
0
0
0
0
0
0
0
0
0
0
19
8
0
0
0
11
1
1
0
0
1,429
380
0
380
0
0
380
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
143,428
1,160
142,269
251
19,999
22,014
805
0
21,209
8,478
2,621
0
5,857
2,707
10
2,697
3,015
2,193
0
1
1
0
0
0
0
0
0
0
3,500
2,031
0
753
0
716
581
557
24
0
1,429
23,213
2,999
3,061
248
0
506
1,907
0
0
33
0
0
367
13,875
1,861
0
11,362
652
3,279
55
3,224
62.1
0.5
61.6
0.1
8.7
9.5
0.3
0.0
9.2
3.7
1.1
0.0
2.5
1.2
0.0
1.2
1.3
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.9
0.0
0.3
0.0
0.3
0.3
0.2
0.0
0.0
0.6
10.1
1.3
1.3
0.1
0.0
0.2
0.8
0.0
0.0
0.0
0.0
0.0
0.2
6.0
0.8
0.0
4.9
0.3
1.4
0.0
1.4
104,595
978
103,617
31
1,280
14,735
86
0
14,649
2,578
2,578
0
0
3,101
8
3,093
2,632
1,449
0
0
0
0
0
0
0
0
0
0
3,978
2,220
0
870
0
889
778
778
0
0
0
25,070
2,686
4,029
311
0
1,368
1,581
0
0
41
0
0
727
14,845
2,130
0
12,203
512
3,511
69
3,442
45,270
287
44,983
322
16,841
9,581
0
0
9,581
6,382
337
0
6,045
0
0
0
347
635
0
1
1
0
0
0
0
0
0
0
23
8
0
0
0
15
1
1
0
0
919
650
0
650
0
0
650
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
149,865
1,265
148,600
353
18,121
24,315
86
0
24,229
8,960
2,915
0
6,045
3,101
8
3,093
2,979
2,083
0
1
1
0
0
0
0
0
0
0
4,002
2,228
0
870
0
904
778
778
0
0
919
25,720
2,686
4,679
311
0
2,017
1,581
0
0
41
0
0
727
14,845
2,130
0
12,203
512
3,511
69
3,442
62.1
0.5
61.6
0.1
7.5
10.1
0.0
0.0
10.0
3.7
1.2
0.0
2.5
1.3
0.0
1.3
1.2
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.9
0.0
0.4
0.0
0.4
0.3
0.3
0.0
0.0
0.4
10.7
1.1
1.9
0.1
0.0
0.8
0.7
0.0
0.0
0.0
0.0
0.0
0.3
6.2
0.9
0.0
5.1
0.2
1.5
0.0
1.4
147,077
83,733
230,809
100.0
160,227
80,970
241,197
100.0
II-19
State-owned Banks
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
20,029
19,621
157
36
0
0
214
19,913
19,088
825
5,823
0
5,823
694,136
133,279
358,364
202,492
25,595
16,929
2,907
5,668
1
0
91
5,974
2,755
3,220
39,360
0
39,360
219,231
10,910
92,576
115,744
45,624
36,551
3,064
5,704
1
0
305
25,888
21,843
4,044
45,183
0
45,183
913,367
144,190
450,941
318,236
19,694
19,365
70
33
0
0
226
36,947
21,921
15,025
5,051
0
5,051
672,553
129,826
341,513
201,214
24,334
14,250
3,634
6,285
1
0
164
24,361
4,049
20,313
42,923
0
42,923
195,245
9,979
83,013
102,254
44,029
33,615
3,704
6,318
1
0
390
61,308
25,970
35,338
47,974
0
47,974
867,798
139,804
424,526
303,467
739,901
290,161
1,030,062
734,245
286,865
1,021,109
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-20
Dec. 2014
16,907
13,524
40
39
0
3,286
19
9,485
7,260
336
1,280
459
150
7,422
1,170
1,568
398
159
-112
53
-380
215
1,114
9,753
1,460
944
401
4,217
1,702
4,076
0
0
0
4,076
-852
3,224
0
0
0
17,616
13,263
3
34
0
4,306
9
9,721
7,630
295
1,273
398
125
7,895
1,207
1,675
467
177
90
234
-1,327
1,183
1,198
10,567
1,838
1,187
383
4,380
1,848
4,349
0
0
0
4,349
-907
3,442
0
0
0
3,224
3,442
State-owned Banks
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.6
15.6
10.1
10.7
7.1
7.8
-2.8
-7.0
4.2
1.8
65.1
68.3
63.7
66.4
96.3
94.6
66.1
69.8
72.4
75.1
62.1
62.1
8.7
7.5
Assets Quality
17.6
20.5
64.9
62.1
104.5
99.9
2.7
3.0
0.6
0.7
78.1
77.8
3.0
2.9
26.0
28.7
Liquidity
26.3
28.3
45.9
48.8
11.1
13.7
Profitability
1.4
1.4
13.9
13.4
1.8
1.8
2.8
2.8
66.4
63.5
1.0
1.1
1.8
1.8
40.4
42.2
55.3
61.0
II-21
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
3,754
1,282
1,278
217
22
1,035
4
4
0
0
4
0
808
226
0
69
158
25,828
26
25,442
360
128,472
127,283
1,672
0
125,612
5,226
4,038
3
4,177
4,156
21
48
0
48
43
6
3,981
2,377
1,604
7
0
7
7
0
0
0
0
0
0
568
308
259
0
3,183
907
480
427
0
237
0
236
202
2,083
30,537
1,224
1,224
16
0
1,193
14
0
0
0
0
0
3,421
45
0
45
0
12,850
226
9,641
2,983
61,603
61,574
840
0
60,734
178
149
0
3,457
3,418
39
116
0
116
116
0
1,064
1,064
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
4
0
0
0
0
5
0
5
0
1,430
34,291
2,505
2,501
233
22
2,228
18
4
0
0
4
0
4,229
271
0
113
158
38,678
252
35,083
3,343
190,075
188,857
2,512
0
186,345
5,404
4,186
3
7,634
7,574
61
164
0
164
159
6
5,045
3,441
1,604
7
0
7
7
0
0
0
0
0
0
570
308
261
0
3,187
907
480
427
0
242
0
241
202
3,513
11.8
0.9
0.9
0.1
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.1
0.0
0.0
0.1
13.3
0.1
12.0
1.1
65.2
64.8
0.9
0.0
63.9
1.9
1.4
0.0
2.6
2.6
0.0
0.1
0.0
0.1
0.1
0.0
1.7
1.2
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.1
0.0
1.1
0.3
0.2
0.1
0.0
0.1
0.0
0.1
0.1
1.2
6,207
1,703
1,607
229
32
1,345
0
96
0
0
96
0
1,331
1,383
0
107
1,276
40,249
46
38,801
1,401
180,148
178,729
2,002
0
176,727
6,132
4,713
0
10,313
10,291
22
358
0
358
68
290
4,788
2,714
2,074
8
0
8
8
0
0
0
0
0
0
278
213
66
0
2,827
1,145
602
543
63
477
3
474
271
2,867
39,617
1,230
1,230
28
0
1,067
135
0
0
0
0
0
6,735
45
0
45
0
12,193
28
8,765
3,400
83,749
83,665
1,848
0
81,817
246
161
0
7,151
5,846
1,305
19
0
19
19
0
2,080
2,080
0
0
0
0
0
0
0
0
0
0
0
52
0
52
0
6
0
0
0
0
1
0
1
0
1,040
45,824
2,933
2,837
258
32
2,412
136
96
0
0
96
0
8,065
1,427
0
151
1,276
52,442
74
47,566
4,801
263,897
262,394
3,850
0
258,544
6,378
4,875
0
17,464
16,137
1,327
376
0
376
86
290
6,868
4,794
2,074
8
0
8
8
0
0
0
0
0
0
330
213
117
0
2,833
1,145
602
543
63
478
3
475
271
3,907
11.2
0.7
0.7
0.1
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
2.0
0.3
0.0
0.0
0.3
12.8
0.0
11.6
1.2
64.6
64.3
0.9
0.0
63.3
1.6
1.2
0.0
4.3
4.0
0.3
0.1
0.0
0.1
0.0
0.1
1.7
1.2
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.7
0.3
0.1
0.1
0.0
0.1
0.0
0.1
0.1
1.0
Total Assets
175,766
115,758
291,525
100.0
254,415
153,917
408,332
100.0
II-22
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
87,468
4,539
82,930
1,049
1,683
13,058
696
0
12,361
4,868
3,553
262
1,053
0
0
0
6,485
2,125
0
26
33
0
0
7
68
1
66
0
4,811
2,534
0
448
0
1,829
727
678
49
0
0
31,880
6,138
4,808
797
0
828
1,381
0
0
16
101
28
1,657
17,802
1,670
0
15,991
140
3,132
-5
3,137
81,985
5,350
76,635
656
29,626
7,944
0
0
7,944
9,734
1,151
0
8,583
0
0
0
1,157
572
0
0
0
0
0
0
91
54
37
0
627
552
0
2
0
73
8
8
0
0
4,569
308
0
308
0
0
329
0
0
0
0
-21
0
0
0
0
0
0
0
0
0
0
169,453
9,889
159,564
1,706
31,308
21,001
696
0
20,305
14,602
4,704
262
9,636
0
0
0
7,643
2,696
0
26
33
0
0
7
159
55
104
0
5,438
3,086
0
450
0
1,902
734
686
49
0
4,569
32,188
6,138
5,116
797
0
1,157
1,381
0
0
16
80
28
1,657
17,802
1,670
0
15,991
140
3,132
-5
3,137
58.1
3.4
54.7
0.6
10.7
7.2
0.2
0.0
7.0
5.0
1.6
0.1
3.3
0.0
0.0
0.0
2.6
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
1.9
1.1
0.0
0.2
0.0
0.7
0.3
0.2
0.0
0.0
1.6
11.0
2.1
1.8
0.3
0.0
0.4
0.5
0.0
0.0
0.0
0.0
0.0
0.6
6.1
0.6
0.0
5.5
0.0
1.1
0.0
1.1
132,696
6,596
126,100
1,115
3,616
13,454
0
0
13,454
7,599
4,333
276
2,989
0
0
0
9,533
3,160
0
48
62
0
0
14
276
48
228
0
6,980
3,646
0
713
0
2,620
1,077
1,061
16
0
0
46,590
9,525
5,704
974
0
2,201
234
0
0
21
-129
0
2,403
25,941
2,392
0
23,379
170
5,421
-24
5,444
99,591
5,371
94,220
810
41,168
15,401
0
0
15,401
14,922
2,199
0
12,723
0
0
0
1,492
1,656
0
2
2
0
0
0
214
94
120
0
565
519
0
0
0
46
13
13
0
0
5,455
900
0
842
0
0
931
0
0
0
0
-90
0
0
59
5
0
1
53
0
0
0
232,287
11,967
220,320
1,925
44,784
28,855
0
0
28,855
22,520
6,532
276
15,712
0
0
0
11,024
4,815
0
50
64
0
0
14
489
141
348
0
7,544
4,165
0
713
0
2,666
1,090
1,074
16
0
5,455
47,490
9,525
6,545
974
0
3,132
234
0
0
21
-218
0
2,403
26,000
2,396
0
23,380
223
5,421
-24
5,444
56.9
2.9
54.0
0.5
11.0
7.1
0.0
0.0
7.1
5.5
1.6
0.1
3.8
0.0
0.0
0.0
2.7
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.8
1.0
0.0
0.2
0.0
0.7
0.3
0.3
0.0
0.0
1.3
11.6
2.3
1.6
0.2
0.0
0.8
0.1
0.0
0.0
0.0
-0.1
0.0
0.6
6.4
0.6
0.0
5.7
0.1
1.3
0.0
1.3
154,248
137,277
291,525
100.0
226,143
182,188
408,332
100.0
II-23
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
21,975
20,790
9
6
0
0
1,170
51,622
51,088
534
70,213
14,327
55,886
584,312
59,056
392,546
132,709
34,333
21,560
892
8,803
0
0
3,077
18,030
13,186
4,844
165,142
14,868
150,275
178,732
11,721
132,681
34,330
56,309
42,351
901
8,810
0
0
4,247
69,652
64,275
5,377
235,356
29,195
206,161
763,043
70,777
525,226
167,040
30,963
29,720
12
0
0
0
1,232
73,775
73,413
362
96,203
16,992
79,210
828,384
96,468
581,696
150,220
47,519
29,274
1,638
13,670
0
0
2,937
16,456
13,913
2,543
203,759
17,405
186,354
331,922
23,312
274,283
34,326
78,483
58,994
1,650
13,670
0
0
4,168
90,231
87,326
2,905
299,962
34,398
265,564
1,160,306
119,780
855,979
184,547
728,122
396,237
1,124,359
1,029,325
599,656
1,628,981
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-24
Dec. 2014
20,629
17,138
71
55
73
3,272
21
10,976
7,904
834
1,203
985
50
9,653
3,026
3,737
711
212
-818
284
-36
-1,067
1,006
13,079
2,898
2,092
610
6,479
2,588
3,701
0
126
0
3,827
-783
3,044
98
-5
93
28,490
22,382
2
127
141
5,743
94
14,790
10,656
1,215
1,544
1,305
70
13,700
4,615
5,742
1,128
353
-357
616
-2,452
1,480
1,360
19,671
3,500
2,476
766
9,221
3,840
6,950
0
0
0
6,950
-1,505
5,444
0
0
0
3,137
5,444
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.6
15.3
11.0
11.6
7.4
8.4
-45.4
-35.8
-1.5
-5.4
60.3
62.3
52.9
55.4
84.3
84.5
51.6
57.1
67.6
68.3
58.1
56.9
10.7
11.0
Assets Quality
16.9
17.9
65.2
64.6
112.2
113.6
2.8
2.4
0.6
0.6
77.5
76.4
3.7
3.2
26.5
30.2
Liquidity
27.4
27.1
51.8
52.7
10.9
12.5
Profitability
1.1
1.3
9.7
11.5
1.3
1.7
2.6
2.7
57.8
57.1
1.2
1.5
2.2
2.3
39.9
41.6
52.9
64.8
II-25
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
11
11
11
0
0
0
0
0
0
0
0
109
0
0
0
0
0
0
0
0
264
263
0
0
263
16
16
0
289
289
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
5
0
5
0
5
0
0
0
0
0
0
0
0
0
0
0
0
144
0
0
0
0
0
0
0
0
205
205
0
0
205
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
11
11
11
0
0
0
0
0
0
0
0
252
0
0
0
0
0
0
0
0
469
469
0
0
469
18
18
0
289
289
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
5
0
5
0
8
0.0
1.0
1.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
44.6
44.6
0.0
0.0
44.6
1.7
1.7
0.0
27.5
27.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
0.0
0.0
0.0
0.5
0.0
0.5
0.0
0.8
0
34
34
34
0
0
0
0
0
0
0
0
112
0
0
0
0
0
0
0
0
1
1
0
0
1
20
19
0
460
460
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
0
0
0
0
6
0
6
0
6
0
0
0
0
0
0
0
0
0
0
0
0
240
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
34
34
34
0
0
0
0
0
0
0
0
352
0
0
0
0
0
0
0
0
1
1
0
0
1
22
22
0
460
460
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
0
0
0
0
6
0
6
0
9
0.0
3.9
3.9
3.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.1
2.5
2.5
0.0
52.0
52.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
0.0
0.0
0.0
0.0
0.6
0.0
0.6
0.0
1.1
Total Assets
700
352
1,052
100.0
642
243
885
100.0
II-26
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
185
183
1
0
0
1
0
0
1
0
0
0
0
0
0
0
5
2
0
0
0
0
0
0
0
0
0
0
20
6
0
3
0
11
1
1
0
0
288
206
158
0
0
0
0
0
0
0
0
0
0
0
6,013
9
0
6,004
0
-5,965
-5,973
7
107
0
107
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
24
0
0
0
0
204
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
706
345
II-27
Total
%
Distr.
292
27.8
183
17.4
109
10.4
0
0.0
0
0.0
1
0.1
0
0.0
0
0.0
1
0.1
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
15
1.4
2
0.2
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
44
4.2
6
0.6
0
0.0
3
0.3
0
0.0
35
3.4
1
0.1
1
0.1
0
0.0
0
0.0
491
46.7
206
19.6
158
15.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
6,013 571.7
9
0.9
0
0.0
6,004 570.8
0
0.0
-5,965 -567.1
-5,973 -567.8
7
0.7
1,052
100.0
Dec. 2014
FC
TC
Total
%
Distr.
2
0
2
0
0
1
0
0
1
0
0
0
0
0
0
0
7
1
0
0
0
0
0
0
0
0
0
0
19
3
0
3
0
13
2
2
0
0
353
259
198
0
0
0
0
0
0
0
0
0
0
0
7,551
11
0
7,540
0
-7,490
-7,500
10
9
0
9
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
24
0
0
0
0
199
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
10
0
0
1
0
0
1
0
0
0
0
0
0
0
17
1
0
0
0
0
0
0
0
0
0
0
43
3
0
3
0
37
2
2
0
0
553
259
198
0
0
0
0
0
0
0
0
0
0
0
7,551
11
0
7,540
0
-7,490
-7,500
10
1.2
0.0
1.2
0.0
0.0
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
0.3
0.0
0.4
0.0
4.2
0.2
0.2
0.0
0.0
62.5
29.3
22.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
853.3
1.3
0.0
851.9
0.0
-846.4
-847.5
1.2
643
242
885
100.0
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
13
13
0
0
0
0
0
1,972
1,972
0
0
0
0
699
313
386
0
40
40
0
0
0
0
0
0
0
0
0
0
0
37
1
36
1
53
53
0
0
0
0
0
1,972
1,972
0
0
0
0
736
314
421
1
31
31
0
0
0
0
0
2,310
2,310
0
0
0
0
232
5
227
0
49
49
0
0
0
0
0
0
0
0
0
0
0
39
1
38
1
80
80
0
0
0
0
0
2,310
2,310
0
0
0
0
271
6
264
1
2,684
78
2,762
2,573
88
2,661
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-28
Dec. 2014
65
19
0
15
0
30
0
39
2
37
0
0
0
26
1
1
0
0
1
0
0
1
2
30
7
1
4
12
7
11
0
0
0
11
-4
7
0
0
0
34
1
0
9
0
23
0
10
0
10
0
0
0
24
1
1
0
0
2
2
0
0
2
29
1
0
0
15
8
13
0
0
0
13
-3
10
0
0
0
7
10
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
61.0
85.9
19.6
29.3
17.9
26.7
3.3
0.5
3.3
0.5
66.5
72.5
67.2
72.6
102.0
100.5
63.2
17.4
56.2
100.0
27.8
1.2
0.0
0.0
28.5
55.9
44.6
0.1
160.6
11.9
3.9
1,799.7
0.0
21.1
98.9
98.8
Assets Quality
1.6
2.5
0.2
78.9
Liquidity
25.0
43.7
89.9
3,326.4
11.4
16.5
0.7
1.2
3.5
3.9
1.0
1.5
Profitability
2.4
2.7
84.7
81.0
0.3
0.6
1.1
1.7
57.1
56.4
30.6
34.4
II-29
Foreign Banks
Assets
(USD Million)
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
2,661
2,279
2,195
575
16
1,601
3
84
0
0
84
0
1,571
3,248
2
44
3,202
12,823
23
12,575
225
89,696
88,325
346
0
87,979
5,118
3,747
374
6,180
6,169
10
17
0
17
11
6
1,296
1,252
44
34
0
34
32
2
0
0
0
0
0
1,686
806
879
0
2,007
321
0
321
131
235
18
217
133
1,914
20,754
579
579
57
0
479
43
0
0
0
0
0
6,437
497
78
21
398
2,345
162
1,640
543
42,010
42,010
1,328
0
40,682
1
0
16
3,987
2,359
1,628
0
0
0
0
0
1,908
1,908
0
0
0
0
0
0
0
0
0
0
0
209
9
201
0
0
0
0
0
0
0
0
0
0
988
23,415
2,857
2,773
632
16
2,080
46
84
0
0
84
0
8,008
3,745
80
64
3,600
15,168
185
14,215
768
131,706
130,334
1,674
0
128,661
5,119
3,747
391
10,167
8,528
1,639
17
0
17
11
6
3,204
3,160
44
34
0
34
32
2
0
0
0
0
0
1,895
815
1,080
0
2,007
321
0
321
131
235
18
217
133
2,902
11.3
1.4
1.3
0.3
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9
1.8
0.0
0.0
1.7
7.4
0.1
6.9
0.4
63.8
63.2
0.8
0.0
62.4
2.5
1.8
0.2
4.9
4.1
0.8
0.0
0.0
0.0
0.0
0.0
1.6
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.4
0.5
0.0
1.0
0.2
0.0
0.2
0.1
0.1
0.0
0.1
0.1
1.4
2,176
1,428
1,386
502
0
877
7
42
0
0
42
0
2,218
6,922
3
135
6,785
7,536
10
7,508
18
60,888
59,887
54
0
59,834
3,208
2,207
131
2,584
2,583
0
5
0
5
0
5
620
610
10
81
0
81
79
2
0
0
0
0
0
1,082
627
455
0
1,128
320
36
283
0
164
59
105
31
1,120
12,586
606
606
25
0
540
41
0
0
0
0
0
2,580
0
0
0
0
973
0
913
60
18,132
18,132
83
0
18,049
1
0
7
597
333
264
0
0
0
0
0
473
473
0
0
0
0
0
0
0
0
0
0
0
10
10
0
0
0
0
0
0
0
0
0
0
0
374
14,762
2,034
1,992
528
0
1,416
48
42
0
0
42
0
4,798
6,922
3
135
6,785
8,509
10
8,421
78
79,021
78,019
136
0
77,883
3,209
2,208
138
3,180
2,916
264
5
0
5
0
5
1,093
1,083
10
81
0
81
79
2
0
0
0
0
0
1,092
637
455
0
1,128
320
36
283
0
164
59
105
31
1,494
11.8
1.6
1.6
0.4
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
3.8
5.5
0.0
0.1
5.4
6.8
0.0
6.7
0.1
63.3
62.5
0.1
0.0
62.4
2.6
1.8
0.1
2.5
2.3
0.2
0.0
0.0
0.0
0.0
0.0
0.9
0.9
0.0
0.1
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.5
0.4
0.0
0.9
0.3
0.0
0.2
0.0
0.1
0.0
0.1
0.0
1.2
126,603
79,731
206,335
100.0
88,435
36,337
124,772
100.0
II-30
Foreign Banks
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
57,664
836
56,828
1,488
1,674
8,883
26
247
8,611
1,917
798
191
928
0
0
0
3,832
1,851
0
13
15
0
0
2
36
4
32
0
3,125
2,254
0
378
0
493
455
389
66
0
155
22,481
6,945
1,065
4
0
-83
619
0
0
2
67
0
455
11,919
734
0
11,108
77
2,552
733
1,818
57,762
2,824
54,939
538
29,365
1,781
0
0
1,781
5,253
307
0
4,946
0
0
0
1,933
1,021
0
1
1
0
0
0
160
133
27
0
88
62
0
2
0
23
11
11
0
1
4,753
94
0
28
0
0
16
0
0
0
0
12
0
0
66
4
0
1
60
0
0
0
115,426
3,659
111,767
2,027
31,039
10,664
26
247
10,392
7,170
1,105
191
5,874
0
0
0
5,765
2,871
0
14
16
0
0
2
196
137
59
0
3,213
2,316
0
380
0
517
466
399
66
1
4,908
22,575
6,945
1,093
4
0
-67
619
0
0
2
79
0
455
11,985
739
0
11,109
137
2,552
733
1,818
55.9
1.8
54.2
1.0
15.0
5.2
0.0
0.1
5.0
3.5
0.5
0.1
2.8
0.0
0.0
0.0
2.8
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.6
1.1
0.0
0.2
0.0
0.3
0.2
0.2
0.0
0.0
2.4
10.9
3.4
0.5
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.2
5.8
0.4
0.0
5.4
0.1
1.2
0.4
0.9
42,503
1,059
41,444
616
2,083
3,485
0
5
3,480
1,936
1,502
244
190
0
0
0
1,536
1,352
0
9
11
0
0
2
139
34
105
0
1,735
1,241
0
201
0
293
328
289
39
1
206
12,999
5,880
622
43
0
120
153
0
0
1
-38
0
343
5,370
383
0
4,975
12
1,128
171
956
29,861
2,087
27,773
580
17,187
650
0
0
650
1,608
365
0
1,243
0
0
0
1,228
417
0
1
1
0
0
0
67
64
3
0
73
42
0
3
0
29
0
0
0
1
4,208
-38
0
-38
0
0
-35
0
0
0
0
-2
0
0
0
0
0
0
0
0
0
0
72,364
3,147
69,217
1,196
19,270
4,135
0
5
4,130
3,544
1,866
244
1,433
0
0
0
2,764
1,769
0
10
12
0
0
2
207
99
108
0
1,808
1,283
0
204
0
321
328
289
39
3
4,414
12,962
5,880
584
43
0
85
153
0
0
1
-40
0
343
5,370
383
0
4,975
12
1,128
171
956
58.0
2.5
55.5
1.0
15.4
3.3
0.0
0.0
3.3
2.8
1.5
0.2
1.1
0.0
0.0
0.0
2.2
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.1
0.0
1.4
1.0
0.0
0.2
0.0
0.3
0.3
0.2
0.0
0.0
3.5
10.4
4.7
0.5
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.3
4.3
0.3
0.0
4.0
0.0
0.9
0.1
0.8
103,574
102,761
206,335
100.0
68,927
55,845
124,772
100.0
II-31
Foreign Banks
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
13,363
13,328
23
8
0
0
4
42,308
40,309
1,999
81,416
11,436
69,979
625,003
74,456
429,629
120,918
25,084
14,473
1,138
7,207
0
0
2,265
15,131
14,413
719
158,051
16,357
141,694
246,065
13,925
188,436
43,704
38,446
27,801
1,161
7,216
0
0
2,269
57,439
54,721
2,718
239,467
27,794
211,673
871,069
88,381
618,066
164,622
9,005
8,986
12
1
0
0
6
33,269
31,396
1,873
60,090
9,580
50,510
477,340
72,952
267,540
136,847
13,399
7,870
907
2,964
0
0
1,657
9,015
8,146
869
100,398
10,444
89,953
116,461
3,180
61,808
51,473
22,404
16,856
919
2,965
0
0
1,663
42,284
39,542
2,742
160,488
20,024
140,464
593,800
76,133
329,348
188,320
762,090
444,331
1,206,421
579,704
239,272
818,976
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-32
Dec. 2014
15,359
12,512
59
229
355
2,074
130
7,497
5,533
884
509
484
88
7,862
2,223
2,832
609
39
-1,163
209
224
-1,596
855
9,815
2,263
1,702
453
5,535
2,230
2,017
0
322
0
2,338
-520
1,818
0
0
0
10,137
8,075
2
274
614
1,105
68
5,037
3,869
606
280
232
50
5,100
1,520
1,835
315
46
-858
59
-558
-360
697
6,505
1,458
1,173
198
3,832
1,642
1,215
0
0
0
1,215
-293
923
34
0
34
1,818
956
Foreign Banks
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.7
16.4
10.9
10.4
7.5
7.5
-68.9
-105.3
3.7
-7.0
61.4
70.9
50.2
55.2
77.6
65.1
50.0
58.7
68.1
77.1
55.9
58.0
15.0
15.4
Assets Quality
14.6
11.9
63.8
63.3
114.1
109.2
3.9
4.1
1.0
1.3
73.2
68.8
3.4
2.9
29.3
31.6
Liquidity
25.8
29.7
50.4
54.3
10.9
16.3
0.9
0.8
8.1
7.4
1.1
1.0
Profitability
3.0
3.1
62.8
60.4
0.9
1.1
2.7
3.1
40.3
42.9
35.3
36.7
II-33
Assets
(USD Million)
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
80
74
74
64
0
10
0
0
0
0
0
0
3,207
451
1
431
20
1,045
29
885
131
9,377
9,333
870
0
8,462
164
120
0
457
451
7
57
0
57
53
4
90
46
44
0
0
0
0
0
4
3
1
0
0
9
9
0
0
240
58
0
58
49
44
1
43
0
257
593
62
62
0
0
62
0
0
0
0
0
0
1,319
0
0
0
0
339
4
299
36
18,319
18,319
177
0
18,143
1
1
0
54
54
0
10
0
10
10
0
0
0
0
0
0
0
0
0
11
11
0
0
1
29
19
10
0
0
0
0
0
0
0
0
0
0
294
673
136
136
64
0
72
0
0
0
0
0
0
4,526
451
1
431
20
1,384
33
1,184
167
27,696
27,652
1,047
0
26,605
164
121
0
511
505
7
66
0
66
63
4
90
46
44
0
0
0
0
0
15
15
1
0
1
37
27
10
0
240
58
0
58
49
44
1
43
0
551
1.8
0.4
0.4
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
12.4
1.2
0.0
1.2
0.1
3.8
0.1
3.2
0.5
75.8
75.7
2.9
0.0
72.8
0.4
0.3
0.0
1.4
1.4
0.0
0.2
0.0
0.2
0.2
0.0
0.2
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.7
0.2
0.0
0.2
0.1
0.1
0.0
0.1
0.0
1.5
72
86
86
73
0
11
2
0
0
0
0
0
3,564
261
0
92
169
1,735
36
1,454
244
10,801
10,727
1,095
0
9,632
206
132
0
196
188
7
73
0
73
69
4
108
63
45
0
0
0
0
0
6
6
1
0
1
35
35
0
0
188
33
0
33
97
46
1
46
30
156
491
40
40
4
0
36
0
0
0
0
0
0
1,299
0
0
0
0
269
3
248
18
16,481
16,481
58
0
16,423
1
1
0
20
20
0
11
0
11
11
0
63
63
0
0
0
0
0
0
15
17
0
0
1
4
4
0
0
0
0
0
0
0
0
0
0
0
146
563
126
126
77
0
47
2
0
0
0
0
0
4,864
261
0
92
169
2,004
39
1,703
262
27,282
27,208
1,153
0
26,055
207
133
0
216
209
7
83
0
83
79
4
170
126
45
0
0
0
0
0
22
23
1
0
3
39
39
0
0
188
33
0
33
97
46
1
46
30
302
1.5
0.3
0.3
0.2
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
13.4
0.7
0.0
0.3
0.5
5.5
0.1
4.7
0.7
75.1
74.9
3.2
0.0
71.7
0.6
0.4
0.0
0.6
0.6
0.0
0.2
0.0
0.2
0.2
0.0
0.5
0.3
0.1
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.5
0.1
0.0
0.1
0.3
0.1
0.0
0.1
0.1
0.8
15,500
21,030
36,530
100.0
17,487
18,839
36,327
100.0
II-34
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
0
0
0
19
429
970
15
0
955
943
117
0
826
1,578
55
1,523
1,022
67
0
0
0
0
0
0
11
11
0
0
369
159
0
76
0
134
75
72
3
0
0
8,039
5,892
607
19
0
-16
15
0
0
0
0
0
590
953
359
68
516
10
587
-14
601
0
0
0
56
19,059
35
0
0
35
2,751
0
0
2,751
165
164
0
801
30
0
3
3
0
0
0
5
5
0
0
7
0
0
7
0
0
0
0
0
0
92
3
0
3
0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
75
19,488
1,004
15
0
990
3,694
117
0
3,577
1,743
219
1,524
1,823
97
0
3
3
0
0
0
17
17
0
0
376
159
0
83
0
134
75
72
3
0
92
8,043
5,892
610
19
0
-13
15
0
0
0
0
0
590
953
359
68
516
10
587
-14
601
0.0
0.0
0.0
0.2
53.3
2.7
0.0
0.0
2.7
10.1
0.3
0.0
9.8
4.8
0.6
4.2
5.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.4
0.0
0.2
0.0
0.4
0.2
0.2
0.0
0.0
0.3
22.0
16.1
1.7
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
2.6
1.0
0.2
1.4
0.0
1.6
0.0
1.6
0
0
0
5
304
1,050
0
18
1,032
1,307
650
0
657
1,671
70
1,601
1,091
136
0
0
0
0
0
0
1
1
0
0
418
186
0
85
0
148
72
71
1
0
0
9,095
6,628
813
23
0
41
8
0
0
0
0
0
740
995
414
66
503
13
659
-2
661
0
0
0
40
17,678
109
0
0
109
2,486
242
0
2,244
154
154
0
530
31
0
4
5
0
0
1
7
7
0
0
8
0
0
8
0
0
0
0
0
0
108
23
0
23
0
0
23
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44
17,982
1,159
0
18
1,141
3,792
892
0
2,901
1,825
224
1,601
1,621
167
0
4
5
0
0
1
8
8
0
0
426
186
0
93
0
148
72
71
1
0
108
9,117
6,628
835
23
0
64
8
0
0
0
0
0
740
995
414
66
503
13
659
-2
661
0.0
0.0
0.0
0.1
49.5
3.2
0.0
0.0
3.1
10.4
2.5
0.0
8.0
5.0
0.6
4.4
4.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.5
0.0
0.3
0.0
0.4
0.2
0.2
0.0
0.0
0.3
25.1
18.2
2.3
0.1
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
2.0
2.7
1.1
0.2
1.4
0.0
1.8
0.0
1.8
13,522
23,008
36,530
100.0
15,148
21,179
36,327
100.0
II-35
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
2,707
775
0
0
0
0
1,933
6,458
3,716
2,742
2,364
807
1,556
712,780
693,440
14,983
4,357
1,802
575
8
262
0
0
956
5,828
1,624
4,204
10,591
4,834
5,757
65,002
608
38,396
25,998
4,510
1,350
8
262
0
0
2,889
12,286
5,340
6,946
12,955
5,642
7,313
777,782
694,048
53,379
30,355
3,838
1,071
1
0
0
0
2,766
6,274
2,982
3,292
2,138
948
1,190
656,946
636,568
15,183
5,195
1,637
604
3
294
0
0
737
4,488
811
3,677
8,210
3,182
5,028
61,515
773
35,125
25,616
5,475
1,675
3
294
0
0
3,502
10,762
3,792
6,969
10,348
4,129
6,218
718,460
637,342
50,308
30,810
724,309
83,224
807,533
669,195
75,849
745,044
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-36
Dec. 2014
1,619
1,201
2
208
44
158
5
524
0
188
78
250
9
1,095
74
95
21
19
-54
7
136
-196
180
1,314
84
35
16
493
238
737
0
0
0
737
-135
601
0
0
0
1,649
1,278
0
150
23
192
6
480
0
188
81
198
12
1,169
82
99
17
16
-63
7
-28
-42
271
1,474
154
33
26
520
276
800
0
0
0
800
-139
661
0
0
0
601
661
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
28.3
32.8
22.0
25.1
20.7
23.5
-12.0
-11.6
-0.8
0.5
42.4
48.1
37.0
41.7
91.4
89.0
-
-
33.9
39.6
0.0
0.0
53.3
49.5
Assets Quality
5.7
6.6
75.8
75.1
-
-
0.6
0.8
0.2
0.3
73.3
64.1
1.4
1.6
1.7
2.2
Liquidity
19.6
21.5
130.7
138.4
13.3
15.7
1.6
1.8
7.5
7.3
2.0
2.2
Profitability
2.9
3.1
80.7
77.1
0.6
0.8
1.3
1.4
48.2
53.0
44.4
58.7
II-37
Balance Sheets of the Banks
II-39
Deposit Banks
x
x
x
x
State-owned Banks
Foreign Banks
II-41
State-owned Banks
II-43
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1,396
227
227
4
0
223
0
0
0
0
0
0
252
0
0
0
0
14,464
35
14,427
1
48,320
48,022
35
0
47,988
1,072
774
0
1,555
1,544
12
33
0
33
30
2
397
395
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,655
71
0
71
0
90
0
90
82
434
11,125
97
97
1
0
95
0
0
0
0
0
0
1,272
0
0
0
0
3,967
171
3,771
24
15,699
15,698
259
0
15,440
4
4
0
1,921
1,917
4
0
0
0
0
0
443
443
0
38
0
38
38
0
0
0
0
0
0
0
0
0
0
4
1
0
1
0
0
0
0
0
241
12,520
324
324
6
0
318
0
0
0
0
0
0
1,524
0
0
0
0
18,431
207
18,199
25
64,019
63,721
293
0
63,427
1,076
778
0
3,476
3,461
15
33
0
33
30
2
839
837
2
38
0
38
38
0
0
0
0
0
0
0
0
0
0
1,659
72
0
72
0
90
0
90
82
675
12.1
0.3
0.3
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.0
0.0
0.0
0.0
17.8
0.2
17.5
0.0
61.7
61.4
0.3
0.0
61.1
1.0
0.7
0.0
3.3
3.3
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.1
0.7
1,192
118
118
4
0
114
0
0
0
0
0
0
219
0
0
0
0
19,669
57
19,606
6
47,436
47,099
20
0
47,079
1,165
827
0
2,118
2,113
5
41
0
41
38
3
207
205
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,010
78
0
78
0
95
0
95
74
560
11,765
15
15
2
0
13
0
0
0
0
0
0
722
0
0
0
0
3,637
135
3,444
58
13,553
13,553
302
0
13,251
3
3
0
2,189
2,189
0
0
0
0
0
0
420
420
0
33
0
33
33
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
0
0
0
0
251
12,957
134
134
6
0
127
0
0
0
0
0
0
942
0
0
0
0
23,306
192
23,050
65
60,989
60,651
322
0
60,330
1,168
830
0
4,307
4,302
5
41
0
41
38
3
627
625
3
33
0
33
33
0
0
0
0
0
0
0
0
0
0
2,013
80
0
80
0
95
0
95
74
811
12.2
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
0.0
0.0
21.9
0.2
21.7
0.1
57.3
57.0
0.3
0.0
56.7
1.1
0.8
0.0
4.0
4.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.1
0.8
Total Assets
68,976
34,806
103,783
100.0
73,819
32,589
106,408
100.0
II-44
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
41,326
130
41,196
11
477
9,712
377
0
9,335
754
754
0
0
2,033
0
2,033
506
701
0
0
0
0
0
0
0
0
0
0
1,757
971
0
292
0
494
266
266
0
0
0
10,577
1,713
870
0
0
-343
1,236
0
0
6
0
0
-29
6,170
1,001
0
4,681
488
1,824
55
1,769
22,575
60
22,515
90
6,220
5,053
0
0
5,053
1,058
259
0
799
0
0
0
289
133
0
0
0
0
0
0
0
0
0
0
12
4
0
0
0
8
0
0
0
0
0
233
0
233
0
0
233
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
63,901
190
63,711
100
6,697
14,765
377
0
14,388
1,812
1,013
0
799
2,033
0
2,033
795
834
0
0
0
0
0
0
0
0
0
0
1,769
975
0
292
0
502
266
266
0
0
0
10,811
1,713
1,103
0
0
-110
1,236
0
0
6
0
0
-29
6,170
1,001
0
4,681
488
1,824
55
1,769
61.6
0.2
61.4
0.1
6.5
14.2
0.4
0.0
13.9
1.7
1.0
0.0
0.8
2.0
0.0
2.0
0.8
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.9
0.0
0.3
0.0
0.5
0.3
0.3
0.0
0.0
0.0
10.4
1.7
1.1
0.0
0.0
-0.1
1.2
0.0
0.0
0.0
0.0
0.0
0.0
5.9
1.0
0.0
4.5
0.5
1.8
0.1
1.7
46,239
17
46,222
8
494
7,010
0
0
7,010
672
672
0
0
2,332
0
2,332
522
747
0
0
0
0
0
0
0
0
0
0
2,028
991
0
351
0
687
355
355
0
0
0
11,785
1,074
2,228
0
0
456
1,562
0
0
7
0
0
203
6,673
1,171
0
5,106
396
1,809
69
1,741
19,624
159
19,464
162
5,784
6,648
0
0
6,648
1,141
337
0
805
0
0
0
229
131
0
1
1
0
0
0
0
0
0
0
16
3
0
0
0
13
0
0
0
0
0
480
0
480
0
0
480
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
65,862
177
65,686
170
6,278
13,658
0
0
13,658
1,813
1,008
0
805
2,332
0
2,332
751
878
0
1
1
0
0
0
0
0
0
0
2,045
993
0
351
0
700
355
355
0
0
0
12,265
1,074
2,708
0
0
936
1,562
0
0
7
0
0
203
6,673
1,171
0
5,106
396
1,809
69
1,741
61.9
0.2
61.7
0.2
5.9
12.8
0.0
0.0
12.8
1.7
0.9
0.0
0.8
2.2
0.0
2.2
0.7
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
0.9
0.0
0.3
0.0
0.7
0.3
0.3
0.0
0.0
0.0
11.5
1.0
2.5
0.0
0.0
0.9
1.5
0.0
0.0
0.0
0.0
0.0
0.2
6.3
1.1
0.0
4.8
0.4
1.7
0.1
1.6
Total Liabilities
68,119
35,664
103,783
100.0
72,191
34,217
106,408
100.0
II-45
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
6,753
6,719
4
30
0
0
0
5,478
5,478
0
1,069
0
1,069
221,230
30,077
190,946
207
13,906
10,156
1,432
2,318
0
0
0
1,239
1,237
2
18,653
0
18,653
33,605
3,866
29,298
441
20,659
16,875
1,436
2,348
0
0
0
6,716
6,715
2
19,722
0
19,722
254,835
33,943
220,245
647
5,973
5,936
9
28
0
0
0
20,658
6,282
14,377
1,233
0
1,233
200,970
28,879
172,077
13
11,663
7,757
1,532
2,374
0
0
0
20,850
2,608
18,242
18,552
0
18,552
32,193
3,612
28,322
259
17,636
13,693
1,542
2,402
0
0
0
41,508
8,890
32,619
19,786
0
19,786
233,163
32,492
200,399
272
234,530
67,402
301,933
228,834
83,259
312,093
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
7,556
5,715
21
23
0
1,781
17
3,955
2,971
138
729
96
21
3,601
446
561
115
73
-57
26
-427
344
459
4,522
487
302
181
1,785
708
2,251
0
0
0
2,251
-482
1,769
0
0
0
7,807
5,481
2
25
0
2,292
6
4,108
3,228
116
656
85
22
3,699
463
583
120
82
-30
31
-684
623
392
4,606
620
318
148
1,760
782
2,226
0
0
0
2,226
-485
1,741
0
0
0
Net Profit/Losses
1,769
1,741
II-46
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.1
18.2
10.4
11.5
7.5
8.5
-2.6
-6.6
2.3
2.1
66.5
69.4
65.6
67.8
97.6
95.2
64.7
70.2
75.5
77.8
61.6
61.9
6.5
5.9
Assets Quality
21.4
26.1
61.7
57.3
100.2
92.6
1.7
1.9
0.5
0.6
72.3
71.1
2.9
3.0
26.9
29.7
Liquidity
31.6
35.1
51.2
58.1
15.7
19.9
Profitability
1.7
1.6
16.4
14.2
2.2
2.1
3.2
3.2
73.0
73.4
0.9
0.9
1.7
1.7
39.7
44.5
51.6
51.5
II-47
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1,487
2
2
0
0
0
2
0
0
0
0
0
22
0
0
0
0
2,505
23
2,481
0
29,898
29,574
122
0
29,452
1,362
1,038
0
5,053
5,053
0
7
0
7
4
2
826
813
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
719
26
0
26
125
0
0
0
0
471
6,506
90
90
5
0
85
0
0
0
0
0
0
839
0
0
0
0
1,337
32
1,305
0
13,536
13,536
234
0
13,302
0
0
0
662
662
0
71
0
71
71
0
94
94
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
56
7,993
92
92
6
0
85
2
0
0
0
0
0
861
0
0
0
0
3,841
55
3,786
0
43,434
43,110
357
0
42,753
1,362
1,038
0
5,715
5,715
0
78
0
78
76
2
920
907
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
719
26
0
26
125
0
0
0
0
526
12.4
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
6.0
0.1
5.9
0.0
67.5
67.0
0.6
0.0
66.5
2.1
1.6
0.0
8.9
8.9
0.0
0.1
0.0
0.1
0.1
0.0
1.4
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.8
1,788
17
17
15
0
0
2
0
0
0
0
0
29
0
0
0
0
2,719
28
2,692
0
31,938
31,386
101
0
31,285
1,590
1,037
0
6,986
6,986
0
8
0
8
5
3
1,045
1,029
16
0
0
0
0
0
0
0
0
0
0
0
0
0
0
507
25
0
25
0
102
0
102
2
439
6,926
50
50
5
0
44
0
0
0
0
0
0
523
0
0
0
0
1,116
1
1,115
0
11,797
11,797
189
0
11,607
0
0
0
648
648
0
32
0
32
32
0
62
62
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34
8,714
67
67
21
0
44
2
0
0
0
0
0
552
0
0
0
0
3,836
29
3,807
0
43,735
43,182
290
0
42,892
1,590
1,037
0
7,634
7,634
0
40
0
40
37
3
1,107
1,091
16
0
0
0
0
0
0
0
0
0
0
0
0
0
0
507
25
0
25
0
102
0
102
2
473
13.0
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
0.0
0.0
0.0
5.7
0.0
5.7
0.0
65.5
64.7
0.4
0.0
64.2
2.4
1.6
0.0
11.4
11.4
0.0
0.1
0.0
0.1
0.1
0.0
1.7
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
0.7
Total Assets
41,142
23,191
64,333
100.0
45,606
21,188
66,794
100.0
II-48
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
27,320
315
27,005
0
282
2,632
34
0
2,598
536
536
0
0
673
10
663
728
431
0
0
0
0
0
0
0
0
0
0
728
385
0
230
0
113
146
123
24
0
0
6,657
428
1,135
0
0
332
387
0
0
3
0
0
413
4,301
458
0
3,827
16
793
0
793
14,538
34
14,504
52
6,661
250
0
0
250
2,515
0
0
2,515
0
0
0
66
115
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
0
0
0
0
-1
0
-1
0
0
-1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
41,858
349
41,509
52
6,943
2,882
34
0
2,848
3,052
536
0
2,515
673
10
663
794
546
0
0
0
0
0
0
0
0
0
0
730
385
0
230
0
115
146
123
24
0
0
6,657
428
1,134
0
0
331
387
0
0
3
0
0
413
4,301
458
0
3,827
16
793
0
793
65.1
0.5
64.5
0.1
10.8
4.5
0.1
0.0
4.4
4.7
0.8
0.0
3.9
1.0
0.0
1.0
1.2
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.6
0.0
0.4
0.0
0.2
0.2
0.2
0.0
0.0
0.0
10.3
0.7
1.8
0.0
0.0
0.5
0.6
0.0
0.0
0.0
0.0
0.0
0.6
6.7
0.7
0.0
5.9
0.0
1.2
0.0
1.2
30,119
311
29,809
0
404
3,516
0
0
3,516
654
654
0
0
760
8
752
848
480
0
0
0
0
0
0
0
0
0
0
908
545
0
260
0
103
227
227
0
0
0
7,098
537
1,078
0
0
550
0
0
0
4
0
0
524
4,535
523
0
3,997
15
948
0
948
14,450
34
14,415
76
5,024
99
0
0
99
1,998
0
0
1,998
0
0
0
22
100
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
0
0
0
0
8
0
8
0
0
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,569
345
44,224
76
5,428
3,615
0
0
3,615
2,652
654
0
1,998
760
8
752
870
580
0
0
0
0
0
0
0
0
0
0
910
545
0
260
0
105
227
227
0
0
0
7,106
537
1,087
0
0
558
0
0
0
4
0
0
524
4,535
523
0
3,997
15
948
0
948
66.7
0.5
66.2
0.1
8.1
5.4
0.0
0.0
5.4
4.0
1.0
0.0
3.0
1.1
0.0
1.1
1.3
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.8
0.0
0.4
0.0
0.2
0.3
0.3
0.0
0.0
0.0
10.6
0.8
1.6
0.0
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.8
6.8
0.8
0.0
6.0
0.0
1.4
0.0
1.4
Total Liabilities
40,136
24,197
64,333
100.0
45,015
21,779
66,794
100.0
II-49
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
5,707
5,370
123
0
0
0
214
7,089
7,089
0
1,147
0
1,147
164,592
77,840
86,752
0
7,925
5,125
999
1,714
0
0
87
239
239
0
7,205
0
7,205
41,034
5,950
35,084
0
13,633
10,495
1,122
1,714
0
0
302
7,328
7,328
0
8,353
0
8,353
205,627
83,790
121,836
0
6,474
6,191
52
5
0
0
226
8,054
8,054
0
1,017
0
1,017
167,822
75,893
91,929
0
7,612
4,512
1,266
1,671
0
0
163
306
306
0
11,612
0
11,612
34,621
5,461
29,160
0
14,087
10,704
1,319
1,676
0
0
389
8,360
8,360
0
12,629
0
12,629
202,443
81,354
121,089
0
178,536
56,404
234,940
183,366
54,152
237,518
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-50
Dec. 2014
4,680
3,858
6
12
0
802
2
2,739
2,189
108
249
158
35
1,941
409
526
117
65
-90
11
51
-152
295
2,620
446
289
98
1,196
521
979
0
0
0
979
-185
793
0
0
0
4,921
3,774
0
5
0
1,140
2
2,724
2,233
107
224
120
40
2,197
439
599
160
66
24
128
-621
517
228
2,955
499
377
58
1,284
536
1,172
0
0
0
1,172
-224
948
0
0
0
793
948
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.8
13.6
10.3
10.6
7.1
7.3
-7.3
-2.6
1.5
-1.2
64.0
68.3
62.4
67.4
95.8
97.3
65.3
67.6
68.8
73.0
65.1
66.7
10.8
8.1
Assets Quality
15.0
17.3
67.5
65.5
103.8
98.1
3.1
3.6
0.7
1.3
76.2
65.2
3.2
3.3
21.1
24.6
Liquidity
19.9
19.7
37.6
34.7
6.2
6.8
Profitability
1.2
1.4
11.9
13.3
1.5
1.8
2.6
2.7
63.0
61.6
1.1
1.1
1.9
1.9
43.6
41.8
56.9
59.0
II-51
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
731
253
253
0
0
253
0
0
0
0
0
0
127
0
0
0
0
4,147
0
4,147
0
30,304
30,028
30
0
29,998
1,662
1,386
0
2,586
2,586
0
93
0
93
89
4
401
314
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
473
59
0
59
0
5
0
5
341
562
6,631
50
50
0
0
50
0
0
0
0
0
0
1,667
0
0
0
0
1,602
27
1,574
0
12,114
12,114
21
0
12,093
0
0
0
45
0
45
0
0
0
0
0
149
149
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
354
7,363
303
303
0
0
303
0
0
0
0
0
0
1,794
0
0
0
0
5,748
27
5,721
0
42,418
42,142
50
0
42,092
1,662
1,386
0
2,631
2,586
45
93
0
93
89
4
550
463
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
474
59
0
59
0
5
0
5
341
915
11.7
0.5
0.5
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.0
0.0
0.0
0.0
9.2
0.0
9.1
0.0
67.7
67.2
0.1
0.0
67.1
2.7
2.2
0.0
4.2
4.1
0.1
0.1
0.0
0.1
0.1
0.0
0.9
0.7
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.5
1.5
1,773
147
147
0
0
147
0
0
0
0
0
0
6
0
0
0
0
5,428
0
5,428
0
32,955
32,852
25
0
32,827
1,708
1,605
0
2,906
2,906
0
131
0
131
126
5
477
372
105
0
0
0
0
0
0
0
0
0
0
0
0
0
0
304
60
0
60
0
31
0
31
321
669
7,632
16
16
0
0
16
0
0
0
0
0
0
1,098
0
0
0
0
1,587
0
1,587
0
11,991
11,991
10
0
11,981
0
0
0
40
0
40
0
0
0
0
0
138
138
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
283
9,405
163
163
0
0
163
0
0
0
0
0
0
1,105
0
0
0
0
7,015
0
7,015
0
44,945
44,842
35
0
44,808
1,708
1,605
0
2,946
2,906
40
131
0
131
126
5
615
510
105
0
0
0
0
0
0
0
0
0
0
0
0
0
0
305
60
0
60
0
31
0
31
321
952
13.8
0.2
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
0.0
0.0
0.0
10.3
0.0
10.3
0.0
66.1
65.9
0.1
0.0
65.9
2.5
2.4
0.0
4.3
4.3
0.1
0.2
0.0
0.2
0.2
0.0
0.9
0.8
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.5
1.4
Total Assets
40,081
22,613
62,694
100.0
45,209
22,786
67,995
100.0
II-52
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
26,206
557
25,649
48
114
3,201
394
0
2,807
1,072
1,072
0
0
1
0
1
1,213
206
0
0
0
0
0
0
0
0
0
0
996
666
0
231
0
99
167
167
0
0
0
5,598
857
676
248
0
137
284
0
0
24
0
0
-17
3,404
402
0
2,854
148
661
0
661
11,464
64
11,400
51
6,245
1,166
0
0
1,166
2,543
0
0
2,543
0
0
0
213
607
0
0
0
0
0
0
0
0
0
0
6
5
0
0
0
1
1
1
0
0
1,429
148
0
148
0
0
148
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
37,669
620
37,049
99
6,359
4,367
394
0
3,973
3,615
1,072
0
2,543
1
0
1
1,426
813
0
0
0
0
0
0
0
0
0
0
1,002
671
0
231
0
100
168
168
0
0
1,429
5,746
857
824
248
0
285
284
0
0
24
0
0
-17
3,404
402
0
2,854
148
661
0
661
60.1
1.0
59.1
0.2
10.1
7.0
0.6
0.0
6.3
5.8
1.7
0.0
4.1
0.0
0.0
0.0
2.3
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
1.1
0.0
0.4
0.0
0.2
0.3
0.3
0.0
0.0
2.3
9.2
1.4
1.3
0.4
0.0
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
5.4
0.6
0.0
4.6
0.2
1.1
0.0
1.1
28,236
650
27,587
23
382
4,209
86
0
4,123
1,252
1,252
0
0
9
0
9
1,262
222
0
0
0
0
0
0
0
0
0
0
1,042
684
0
259
0
99
196
196
0
0
0
6,187
1,074
722
311
0
362
20
0
0
30
0
0
0
3,637
435
0
3,101
101
753
0
753
11,197
93
11,104
84
6,033
2,833
0
0
2,833
3,242
0
0
3,242
0
0
0
96
403
0
0
0
0
0
0
0
0
0
0
6
5
0
0
0
0
0
0
0
0
919
161
0
161
0
0
161
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
39,433
743
38,690
108
6,415
7,042
86
0
6,956
4,494
1,252
0
3,242
9
0
9
1,358
626
0
0
0
0
0
0
0
0
0
0
1,047
689
0
259
0
99
197
197
0
0
919
6,348
1,074
883
311
0
523
20
0
0
30
0
0
0
3,637
435
0
3,101
101
753
0
753
58.0
1.1
56.9
0.2
9.4
10.4
0.1
0.0
10.2
6.6
1.8
0.0
4.8
0.0
0.0
0.0
2.0
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
1.0
0.0
0.4
0.0
0.1
0.3
0.3
0.0
0.0
1.4
9.3
1.6
1.3
0.5
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.3
0.6
0.0
4.6
0.1
1.1
0.0
1.1
Total Liabilities
38,823
23,871
62,694
100.0
43,020
24,975
67,995
100.0
II-53
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
7,568
7,533
30
6
0
0
0
7,347
6,522
825
3,607
0
3,607
308,313
25,362
80,666
202,286
3,764
1,648
476
1,635
1
0
4
4,496
1,279
3,218
13,502
0
13,502
144,591
1,094
28,194
115,303
11,332
9,181
506
1,641
1
0
4
11,843
7,801
4,043
17,109
0
17,109
452,905
26,456
108,860
317,589
7,247
7,238
9
0
0
0
0
8,235
7,586
649
2,801
0
2,801
303,761
25,054
77,507
201,200
5,059
1,981
835
2,240
1
0
1
3,205
1,135
2,070
12,759
0
12,759
128,431
905
25,531
101,995
12,306
9,219
844
2,240
1
0
1
11,441
8,721
2,719
15,560
0
15,560
432,192
25,959
103,038
303,195
326,835
166,354
493,189
322,045
149,454
471,498
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-54
Dec. 2014
4,671
3,951
13
4
0
702
1
2,791
2,101
89
302
205
94
1,880
316
481
165
21
34
16
-5
23
359
2,610
527
353
122
1,237
473
847
0
0
0
847
-185
661
0
0
0
4,888
4,008
1
3
0
875
1
2,889
2,168
72
392
194
63
1,999
305
492
187
28
96
75
-22
43
578
3,006
718
492
178
1,337
530
951
0
0
0
951
-198
753
0
0
0
661
753
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.5
14.0
9.2
9.3
6.3
7.1
2.2
-12.6
10.7
4.6
63.9
66.5
61.9
63.3
94.7
91.2
69.6
71.6
71.4
73.3
60.1
58.0
10.1
9.4
Assets Quality
13.8
14.9
67.7
66.1
112.6
114.0
3.9
3.8
0.7
0.2
83.4
94.0
2.9
2.3
29.6
31.4
Liquidity
24.3
26.0
44.4
47.3
8.4
10.8
Profitability
1.1
1.1
11.5
11.9
1.4
1.4
2.4
2.2
58.5
50.1
1.2
1.5
2.0
2.0
38.2
39.6
59.0
75.4
II-55
II-57
$GDEDQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
92.1
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.3
11.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.5
0.1
0.0
0.1
0.0
0.5
0.0
0.5
0.0
0.8
0
0
0
0
0
0
0
0
0
0
0
0
20
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
92.5
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.8
11.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.0
0.1
0.0
0.1
0.0
0.4
0.0
0.4
0.0
0.1
Total Assets
18
0
18
100.0
22
0
22
100.0
II-58
December 2015
$GDEDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
15
27
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-12
-13
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
15
27
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-12
-13
1
11.9
11.7
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
0.0
0.0
1.9
0.0
1.3
0.3
0.3
0.0
0.0
0.0
84.6
150.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-65.4
-68.5
3.1
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-16
-16
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-16
-16
1
12.6
12.3
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
0.0
0.0
1.9
0.0
0.2
0.2
0.2
0.0
0.0
0.0
85.0
156.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-71.5
-73.9
2.4
18
0
18
100.0
22
0
22
100.0
II-59
$GDEDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
2
0
2
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
2
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
1
1
1
0
0
0
1
0
1
0
0
0
2
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
2
1
0
0
0
0
0
0
1
0
0
0
Net Profit/Losses
1
1
II-60
December 2015
$GDEDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
211.3
212.9
84.6
85.0
79.9
80.0
0.0
0.0
0.0
0.0
99.9
99.9
99.8
99.9
74.7
73.6
98.7
98.9
-
-
11.9
12.6
0.0
0.0
Assets Quality
0.0
0.0
0.0
0.0
0.0
0.0
-
-
-
-
100.0
100.0
4.6
5.1
-
-
Liquidity
94.1
94.4
775.6
740.6
93.9
94.3
3.1
2.4
3.6
2.8
3.7
2.2
Profitability
11.0
9.3
94.7
92.5
0.6
0.8
7.8
7.9
41.5
43.2
7.6
9.6
II-61
$NEDQN7$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
742
280
280
1
0
276
3
0
0
0
0
0
533
0
0
0
0
6,712
4
6,640
68
31,832
31,782
892
0
30,889
1,156
1,106
0
1,777
1,777
0
1
0
1
0
1
119
119
0
0
0
0
0
0
0
0
0
0
0
222
222
0
0
270
76
0
76
0
45
0
45
62
318
7,987
654
654
0
0
654
0
0
0
0
0
0
2,160
0
0
0
0
7,496
40
5,459
1,997
16,749
16,749
474
0
16,275
0
0
0
1,886
1,886
0
0
0
0
0
0
344
344
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
5
0
5
0
195
8,729
935
935
1
0
931
3
0
0
0
0
0
2,693
0
0
0
0
14,208
44
12,099
2,065
48,581
48,530
1,366
0
47,164
1,156
1,106
0
3,663
3,663
0
1
0
1
0
1
463
463
0
0
0
0
0
0
0
0
0
0
0
222
222
0
0
271
76
0
76
0
50
0
50
62
513
10.8
1.2
1.2
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
3.3
0.0
0.0
0.0
0.0
17.7
0.1
15.0
2.6
60.4
60.3
1.7
0.0
58.6
1.4
1.4
0.0
4.6
4.6
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.3
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.1
0.6
1,512
237
237
1
0
235
0
0
0
0
0
0
169
301
0
0
301
9,201
5
9,147
49
37,043
36,978
810
0
36,168
1,001
936
0
2,488
2,488
0
2
0
2
0
2
123
123
0
0
0
0
0
0
0
0
0
0
0
122
122
0
0
369
97
0
97
0
4
0
4
68
342
7,272
368
368
1
0
367
0
0
0
0
0
0
1,875
0
0
0
0
7,161
0
4,794
2,367
17,097
17,097
482
0
16,615
0
0
0
2,153
2,153
0
0
0
0
0
0
266
266
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
1
0
21
8,784
605
605
2
0
602
0
0
0
0
0
0
2,044
301
0
0
301
16,361
5
13,940
2,416
54,140
54,075
1,292
0
52,783
1,001
936
0
4,641
4,641
0
2
0
2
0
2
390
390
0
0
0
0
0
0
0
0
0
0
0
122
122
0
0
370
97
0
97
0
5
0
5
68
363
9.9
0.7
0.7
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
2.3
0.3
0.0
0.0
0.3
18.5
0.0
15.8
2.7
61.3
61.2
1.5
0.0
59.8
1.1
1.1
0.0
5.3
5.3
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.4
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.1
0.4
Total Assets
42,991
37,476
80,466
100.0
52,080
36,214
88,294
100.0
II-62
December 2015
$NEDQN7$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
23,541
875
22,667
164
66
2,114
0
0
2,114
1,090
530
0
561
0
0
0
1,202
463
0
22
28
0
0
6
0
0
0
0
847
636
0
64
0
147
203
203
0
0
0
9,321
1,371
836
583
0
-215
16
0
0
2
-12
0
462
6,088
439
0
5,611
39
1,026
0
1,026
24,073
748
23,325
332
8,060
5,709
0
0
5,709
2,770
306
0
2,464
0
0
0
327
41
0
0
0
0
0
0
54
54
0
0
238
236
0
0
0
2
4
4
0
0
0
-175
0
-175
0
0
-166
0
0
0
0
-9
0
0
0
0
0
0
0
0
0
0
47,614
1,623
45,991
496
8,126
7,823
0
0
7,823
3,861
836
0
3,025
0
0
0
1,529
503
0
22
28
0
0
6
54
54
0
0
1,085
872
0
64
0
149
207
207
0
0
0
9,146
1,371
661
583
0
-381
16
0
0
2
-21
0
462
6,088
439
0
5,611
39
1,026
0
1,026
59.2
2.0
57.2
0.6
10.1
9.7
0.0
0.0
9.7
4.8
1.0
0.0
3.8
0.0
0.0
0.0
1.9
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.3
1.1
0.0
0.1
0.0
0.2
0.3
0.3
0.0
0.0
0.0
11.4
1.7
0.8
0.7
0.0
-0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.6
7.6
0.5
0.0
7.0
0.0
1.3
0.0
1.3
28,193
1,060
27,134
97
130
1,904
0
0
1,904
1,313
638
0
675
0
0
0
1,223
567
0
47
61
0
0
14
0
0
0
0
899
680
0
53
0
166
215
215
0
0
0
10,853
1,719
1,256
731
0
-78
20
0
0
2
-23
0
604
6,520
535
0
5,941
44
1,358
0
1,358
20,530
609
19,921
293
8,890
9,889
0
0
9,889
2,776
330
0
2,446
0
0
0
194
55
0
0
0
0
0
0
46
46
0
0
237
233
0
0
0
4
3
3
0
0
0
-61
0
-61
0
0
-48
0
0
0
0
-13
0
0
0
0
0
0
0
0
0
0
48,723
1,668
47,055
390
9,020
11,793
0
0
11,793
4,089
969
0
3,121
0
0
0
1,417
622
0
47
61
0
0
14
46
46
0
0
1,136
912
0
53
0
170
219
219
0
0
0
10,792
1,719
1,195
731
0
-126
20
0
0
2
-35
0
604
6,520
535
0
5,941
44
1,358
0
1,358
55.2
1.9
53.3
0.4
10.2
13.4
0.0
0.0
13.4
4.6
1.1
0.0
3.5
0.0
0.0
0.0
1.6
0.7
0.0
0.1
0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.3
1.0
0.0
0.1
0.0
0.2
0.2
0.2
0.0
0.0
0.0
12.2
1.9
1.4
0.8
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.7
7.4
0.6
0.0
6.7
0.0
1.5
0.0
1.5
Total Liabilities
39,035
41,432
80,466
100.0
45,441
42,853
88,294
100.0
II-63
$NEDQN7$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
4,716
4,065
0
0
0
0
651
12,022
11,849
173
16,517
421
16,096
209,385
9,205
69,006
131,174
6,481
3,689
320
1,825
0
0
647
4,229
4,229
0
66,491
3,837
62,654
54,717
4,046
16,620
34,051
11,197
7,754
320
1,825
0
0
1,298
16,251
16,078
173
83,008
4,258
78,750
264,102
13,251
85,626
165,225
6,376
5,705
0
0
0
0
671
16,646
16,480
166
14,127
375
13,752
238,319
21,044
67,776
149,500
7,785
3,941
486
2,538
0
0
821
5,773
5,773
0
57,267
3,762
53,505
56,201
4,622
17,576
34,003
14,161
9,646
486
2,538
0
0
1,492
22,419
22,253
166
71,394
4,137
67,257
294,520
25,666
85,352
183,502
242,641
131,919
374,559
275,468
127,027
402,495
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
5,225
4,109
20
17
32
1,036
11
2,711
2,049
138
278
233
12
2,514
807
967
160
5
19
73
-182
128
207
3,552
796
602
145
1,444
546
1,312
0
0
0
1,312
-285
1,026
0
0
0
6,057
4,428
0
5
15
1,593
16
3,082
2,285
140
398
245
14
2,974
1,014
1,183
170
12
-48
304
-581
230
261
4,213
882
653
181
1,596
617
1,735
0
0
0
1,735
-377
1,358
0
0
0
Net Profit/Losses
1,026
1,358
II-64
December 2015
$NEDQN7$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.6
15.2
11.4
12.2
10.2
11.1
-32.7
-44.9
-0.8
1.1
53.4
59.0
48.5
51.5
90.5
84.5
49.4
57.9
65.5
68.4
59.2
55.2
10.1
10.2
Assets Quality
23.6
24.6
60.4
61.3
102.0
111.1
2.4
1.8
0.1
0.1
95.6
93.5
1.1
1.1
27.9
33.8
Liquidity
33.0
31.8
61.3
62.5
10.3
12.9
Profitability
1.3
1.5
11.2
12.6
1.6
2.0
2.4
2.6
53.8
55.1
1.3
1.4
1.8
1.8
37.8
38.7
71.8
77.6
II-65
$QDGROXEDQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
77
44
44
36
3
5
0
0
0
0
0
0
0
158
0
0
158
78
0
78
0
2,007
1,985
3
0
1,982
87
65
0
0
0
0
0
0
0
0
0
17
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44
1
0
1
0
0
0
0
6
50
474
41
41
0
0
27
14
0
0
0
0
0
23
0
0
0
0
356
0
356
0
329
329
0
0
329
0
0
0
0
0
0
0
0
0
0
0
51
51
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
551
85
85
36
3
31
14
0
0
0
0
0
23
158
0
0
158
434
0
434
0
2,335
2,314
3
0
2,311
87
65
0
0
0
0
0
0
0
0
0
68
68
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44
1
0
1
0
0
0
0
6
53
14.7
2.2
2.2
1.0
0.1
0.8
0.4
0.0
0.0
0.0
0.0
0.0
0.6
4.2
0.0
0.0
4.2
11.6
0.0
11.6
0.0
62.1
61.6
0.1
0.0
61.5
2.3
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.4
67
47
47
32
5
10
0
0
0
0
0
0
41
107
0
0
107
0
0
0
0
2,320
2,294
2
0
2,292
84
58
0
0
0
0
0
0
0
0
0
13
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52
1
0
1
0
0
0
0
5
65
452
36
36
0
0
22
14
0
0
0
0
0
80
0
0
0
0
0
0
0
0
366
366
0
0
366
0
0
0
352
352
0
0
0
0
0
0
64
64
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
519
83
83
32
5
32
14
0
0
0
0
0
121
107
0
0
107
0
0
0
0
2,686
2,659
2
0
2,658
84
58
0
352
352
0
0
0
0
0
0
77
77
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52
1
0
1
0
0
0
0
5
69
12.8
2.0
2.0
0.8
0.1
0.8
0.3
0.0
0.0
0.0
0.0
0.0
3.0
2.6
0.0
0.0
2.6
0.0
0.0
0.0
0.0
65.9
65.3
0.0
0.0
65.3
2.1
1.4
0.0
8.6
8.6
0.0
0.0
0.0
0.0
0.0
0.0
1.9
1.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
1.7
Total Assets
2,481
1,277
3,758
100.0
2,719
1,354
4,073
100.0
II-66
December 2015
$QDGROXEDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
1,435
10
1,425
2
9
92
0
0
92
0
0
0
0
0
0
0
22
67
0
0
0
0
0
0
0
0
0
0
36
21
0
9
0
6
17
10
7
0
0
466
206
-9
0
0
-10
0
0
0
0
0
0
0
221
18
0
203
0
49
0
49
1,074
32
1,043
0
212
300
0
0
300
0
0
0
0
0
0
0
23
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,509
42
2,467
2
221
392
0
0
392
0
0
0
0
0
0
0
45
70
0
0
0
0
0
0
0
0
0
0
36
21
0
9
0
6
17
10
7
0
0
466
206
-9
0
0
-10
0
0
0
0
0
0
0
221
18
0
203
0
49
0
49
66.8
1.1
65.7
0.0
5.9
10.4
0.0
0.0
10.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
1.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.6
0.0
0.2
0.0
0.2
0.4
0.3
0.2
0.0
0.0
12.4
5.5
-0.3
0.0
0.0
-0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.9
0.5
0.0
5.4
0.0
1.3
0.0
1.3
1,720
12
1,709
11
14
26
0
0
26
0
0
0
0
0
0
0
26
85
0
0
0
0
0
0
0
0
0
0
43
25
0
9
0
8
13
10
3
0
0
534
258
0
0
0
0
0
0
0
0
0
0
0
215
19
0
196
0
61
0
61
1,078
11
1,067
0
201
322
0
0
322
0
0
0
0
0
0
0
2
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-7
0
-7
0
0
-7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,799
22
2,776
11
214
347
0
0
347
0
0
0
0
0
0
0
28
89
0
0
0
0
0
0
0
0
0
0
43
25
0
9
0
8
13
10
3
0
0
528
258
-7
0
0
-7
0
0
0
0
0
0
0
215
19
0
196
0
61
0
61
68.7
0.6
68.2
0.3
5.3
8.5
0.0
0.0
8.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.6
0.0
0.2
0.0
0.2
0.3
0.2
0.1
0.0
0.0
13.0
6.3
-0.2
0.0
0.0
-0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.3
0.5
0.0
4.8
0.0
1.5
0.0
1.5
Total Liabilities
2,145
1,613
3,758
100.0
2,473
1,600
4,073
100.0
II-67
$QDGROXEDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
514
514
0
0
0
0
0
233
233
0
170
0
170
18,880
658
18,222
0
303
175
8
66
0
0
55
0
0
0
1,151
0
1,151
755
52
703
0
817
689
8
66
0
0
55
233
233
0
1,321
0
1,321
19,635
710
18,926
0
617
616
0
0
0
0
1
236
236
0
332
0
332
4,216
970
3,246
0
363
151
4
114
0
0
94
0
0
0
3,310
0
3,310
261
85
176
0
979
767
4
114
0
0
95
236
236
0
3,643
0
3,643
4,477
1,055
3,422
0
19,797
2,209
22,006
5,402
3,934
9,335
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-68
Dec. 2014
329
286
2
0
10
28
2
185
171
6
8
0
0
144
25
29
5
7
-4
2
7
-13
15
186
32
30
1
94
57
60
0
0
0
60
-11
49
0
0
0
348
304
0
0
5
37
2
188
174
5
9
0
0
160
28
35
7
0
49
36
5
7
14
251
56
42
0
118
76
76
0
0
0
76
-15
61
0
0
0
49
61
December 2015
$QDGROXEDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.5
15.1
12.4
13.0
8.6
9.0
-26.5
-7.3
-5.6
-4.8
66.0
66.7
57.1
60.7
79.1
84.7
57.2
61.5
85.9
86.4
66.8
68.7
5.9
5.3
Assets Quality
13.8
10.7
62.1
65.9
93.1
96.0
3.7
3.1
0.9
1.0
75.0
69.1
3.8
4.0
4.5
7.0
Liquidity
33.3
20.4
62.4
36.5
9.5
6.5
Profitability
1.3
1.5
10.6
11.6
1.6
1.9
3.0
2.9
61.4
46.8
1.1
2.2
2.5
2.9
61.2
64.1
44.9
76.9
II-69
)LEDEDQND$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
11
37
37
5
0
31
0
0
0
0
0
0
2
0
0
0
0
29
0
26
3
2,042
2,018
0
0
2,018
50
27
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66
2
0
2
0
1
0
1
1
28
494
3
3
1
0
1
0
0
0
0
0
0
22
0
0
0
0
181
1
0
180
910
910
0
0
910
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
505
39
39
7
0
32
0
0
0
0
0
0
24
0
0
0
0
210
1
26
183
2,952
2,929
0
0
2,929
50
27
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66
2
0
2
0
1
0
1
1
33
13.2
1.0
1.0
0.2
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
5.5
0.0
0.7
4.8
77.0
76.4
0.0
0.0
76.4
1.3
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
33
11
11
7
0
5
0
0
0
0
0
0
97
0
0
0
0
8
0
8
0
1,780
1,749
0
0
1,749
55
24
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14
2
0
2
0
1
0
1
0
25
407
3
3
2
0
1
0
0
0
0
0
0
16
10
0
10
0
156
0
0
156
880
880
0
0
880
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
440
14
14
8
0
5
0
0
0
0
0
0
113
10
0
10
0
164
0
8
156
2,660
2,629
0
0
2,629
55
24
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14
2
0
2
0
1
0
1
0
36
12.7
0.4
0.4
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
3.3
0.3
0.0
0.3
0.0
4.7
0.0
0.2
4.5
77.0
76.1
0.0
0.0
76.1
1.6
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.0
1.0
Total Assets
2,220
1,615
3,835
100.0
1,974
1,482
3,456
100.0
II-70
December 2015
)LEDEDQND$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
1,351
88
1,264
28
5
23
0
0
23
173
173
0
0
0
0
0
28
37
0
0
0
0
0
0
0
0
0
0
39
31
0
5
0
3
12
12
0
0
0
357
290
23
25
0
-1
0
0
0
0
0
0
-1
16
1
0
15
0
28
0
28
1,205
115
1,091
1
346
150
0
0
150
0
0
0
0
0
0
0
7
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
73
-2
0
-2
0
0
-2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,557
202
2,354
29
351
173
0
0
173
173
173
0
0
0
0
0
34
39
0
0
0
0
0
0
0
0
0
0
39
31
0
5
0
3
12
12
0
0
73
355
290
21
25
0
-3
0
0
0
0
0
0
-1
16
1
0
15
0
28
0
28
66.7
5.3
61.4
0.7
9.2
4.5
0.0
0.0
4.5
4.5
4.5
0.0
0.0
0.0
0.0
0.0
0.9
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.8
0.0
0.1
0.0
0.1
0.3
0.3
0.0
0.0
1.9
9.3
7.6
0.5
0.7
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.4
0.0
0.7
0.0
0.7
1,186
73
1,114
4
10
8
0
0
8
203
136
0
68
0
0
0
23
41
0
0
0
0
0
0
0
0
0
0
33
26
0
5
0
2
9
9
0
0
0
255
236
-1
0
0
0
0
0
0
0
0
0
-1
0
0
0
0
0
20
-12
32
1,068
12
1,056
1
354
132
0
0
132
0
0
0
0
0
0
0
4
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
125
-4
0
-4
0
0
-4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,255
85
2,170
5
364
140
0
0
140
203
136
0
68
0
0
0
26
44
0
0
0
0
0
0
0
0
0
0
33
26
0
5
0
2
9
9
0
0
125
252
236
-5
0
0
-4
0
0
0
0
0
0
-1
0
0
0
0
0
20
-12
32
65.2
2.5
62.8
0.1
10.5
4.1
0.0
0.0
4.1
5.9
3.9
0.0
2.0
0.0
0.0
0.0
0.8
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.8
0.0
0.1
0.0
0.1
0.3
0.3
0.0
0.0
3.6
7.3
6.8
-0.1
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
-0.3
0.9
Total Liabilities
2,053
1,782
3,835
100.0
1,773
1,683
3,456
100.0
II-71
)LEDEDQND$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
130
130
0
0
0
0
0
144
144
0
1,029
0
1,029
19,940
158
19,781
0
228
60
36
131
0
0
0
84
84
0
1,547
0
1,547
9,602
48
9,555
0
358
190
37
131
0
0
0
228
228
0
2,576
0
2,576
29,542
206
29,336
0
142
142
0
0
0
0
0
176
176
0
270
0
270
19,049
125
18,924
0
308
102
69
137
0
0
0
139
139
0
899
0
899
9,909
83
9,826
0
450
244
69
137
0
0
0
315
315
0
1,169
0
1,169
28,958
208
28,750
0
21,243
11,461
32,704
19,636
11,256
30,892
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-72
Dec. 2014
305
291
1
4
0
10
0
169
135
13
0
19
2
136
8
14
6
0
-1
0
-3
2
12
155
35
23
10
83
43
38
0
0
0
38
-10
28
0
0
0
304
293
0
5
0
6
0
170
134
15
0
19
1
134
8
12
5
0
8
1
9
-2
5
154
27
23
4
86
48
41
0
0
0
41
-9
32
0
0
0
28
32
December 2015
)LEDEDQND$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.6
13.2
9.3
7.3
6.8
5.8
-15.4
-15.7
-10.9
-0.1
57.9
57.1
53.5
51.3
90.6
88.1
52.9
52.6
69.2
66.9
66.7
65.2
9.2
10.5
Assets Quality
6.5
5.2
77.0
77.0
115.5
118.0
1.7
2.1
0.8
1.2
53.3
43.5
2.5
1.4
5.6
5.5
Liquidity
20.3
21.4
44.8
44.5
2.1
4.3
Profitability
0.7
0.9
7.9
12.7
1.0
1.2
2.9
3.2
72.7
72.1
0.5
0.6
2.2
2.5
51.7
56.0
23.4
22.9
II-73
ùHNHUEDQN7$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
188
37
33
1
0
32
0
4
0
0
4
0
6
0
0
0
0
591
0
588
2
4,850
4,691
20
0
4,671
346
187
0
434
434
0
1
0
1
0
1
37
37
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
292
34
0
34
0
0
0
0
42
80
765
18
18
3
0
16
0
0
0
0
0
0
24
0
0
0
0
0
0
0
0
882
882
126
0
756
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
84
953
55
51
3
0
47
0
4
0
0
4
0
30
0
0
0
0
591
0
588
2
5,732
5,573
145
0
5,427
346
187
0
435
435
0
1
0
1
0
1
39
39
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
292
34
0
34
0
0
0
0
42
163
11.4
0.7
0.6
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
7.1
0.0
7.0
0.0
68.5
66.6
1.7
0.0
64.9
4.1
2.2
0.0
5.2
5.2
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.5
0.4
0.0
0.4
0.0
0.0
0.0
0.0
0.5
2.0
104
57
48
1
0
47
0
10
0
0
10
0
9
31
0
0
31
454
0
451
3
5,487
5,350
42
0
5,308
360
223
0
586
586
0
2
0
2
0
2
44
44
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
394
31
0
31
0
0
0
0
0
67
885
20
20
2
0
18
0
0
0
0
0
0
45
0
0
0
0
0
0
0
0
801
801
131
0
671
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
83
989
77
67
3
0
65
0
10
0
0
10
0
54
31
0
0
31
454
0
451
3
6,289
6,151
173
0
5,978
360
223
0
587
587
0
2
0
2
0
2
48
48
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
394
31
0
31
0
0
0
0
0
151
10.9
0.8
0.7
0.0
0.0
0.7
0.0
0.1
0.0
0.0
0.1
0.0
0.6
0.3
0.0
0.0
0.3
5.0
0.0
5.0
0.0
69.1
67.6
1.9
0.0
65.7
4.0
2.4
0.0
6.4
6.4
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.3
0.3
0.0
0.3
0.0
0.0
0.0
0.0
0.0
1.7
Total Assets
6,591
1,776
8,367
100.0
7,267
1,838
9,105
100.0
II-74
December 2015
ùHNHUEDQN7$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
3,125
23
3,102
36
41
690
49
0
640
408
146
262
0
0
0
0
33
69
0
4
5
0
0
1
0
0
0
0
127
61
0
20
0
46
14
12
3
0
0
866
397
59
0
0
-24
54
0
0
0
0
28
1
374
32
0
342
0
37
1
35
1,970
52
1,917
12
719
0
0
0
0
0
0
0
0
0
0
0
79
2
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
2
0
0
0
0
171
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,095
75
5,020
48
761
690
49
0
640
408
146
262
0
0
0
0
112
71
0
4
5
0
0
1
0
0
0
0
129
61
0
20
0
48
14
12
3
0
171
866
397
59
0
0
-24
54
0
0
0
0
28
1
374
32
0
342
0
37
1
35
60.9
0.9
60.0
0.6
9.1
8.2
0.6
0.0
7.7
4.9
1.7
3.1
0.0
0.0
0.0
0.0
1.3
0.8
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.7
0.0
0.2
0.0
0.6
0.2
0.1
0.0
0.0
2.0
10.3
4.7
0.7
0.0
0.0
-0.3
0.6
0.0
0.0
0.0
0.0
0.3
0.0
4.5
0.4
0.0
4.1
0.0
0.4
0.0
0.4
3,422
42
3,379
17
30
619
0
0
619
489
212
276
0
0
0
0
113
83
0
1
1
0
0
0
0
0
0
0
139
70
0
26
0
43
39
27
13
0
0
1,028
467
85
2
0
-4
88
0
0
0
0
0
-1
380
35
0
344
0
96
0
96
2,397
34
2,363
24
467
0
0
0
0
0
0
0
0
0
0
0
45
3
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
188
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,818
76
5,742
42
497
619
0
0
619
489
212
276
0
0
0
0
157
86
0
3
3
0
0
0
0
0
0
0
139
70
0
26
0
43
39
27
13
0
188
1,028
467
85
2
0
-4
88
0
0
0
0
0
-1
380
35
0
344
0
96
0
96
63.9
0.8
63.1
0.5
5.5
6.8
0.0
0.0
6.8
5.4
2.3
3.0
0.0
0.0
0.0
0.0
1.7
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.8
0.0
0.3
0.0
0.5
0.4
0.3
0.1
0.0
2.1
11.3
5.1
0.9
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
4.2
0.4
0.0
3.8
0.0
1.1
0.0
1.1
Total Liabilities
5,413
2,955
8,367
100.0
5,980
3,125
9,105
100.0
II-75
ùHNHUEDQN7$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
1,293
1,283
7
0
0
0
3
791
701
91
1,532
0
1,532
112,691
778
111,901
12
682
353
129
168
0
0
32
30
30
0
2,874
0
2,874
39,437
287
39,150
0
1,975
1,635
137
168
0
0
35
821
731
91
4,406
0
4,406
152,128
1,065
151,051
12
1,601
1,594
3
0
0
0
4
899
769
131
1,851
0
1,851
125,039
1,038
123,988
13
802
436
118
201
0
0
47
41
41
0
3,685
0
3,685
39,763
366
39,397
1
2,403
2,029
122
201
0
0
51
940
810
131
5,535
0
5,535
164,803
1,404
163,385
13
116,307
43,023
159,330
129,390
44,291
173,681
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-76
Dec. 2014
782
697
3
1
1
81
0
420
308
24
50
31
8
362
98
117
19
3
-75
4
-30
-49
82
469
148
119
5
292
123
29
0
0
0
29
6
35
0
0
0
902
808
0
1
1
91
1
482
370
21
42
45
5
420
106
127
21
1
-15
20
-77
43
80
592
127
108
12
344
147
121
0
0
0
121
-24
96
0
0
0
35
96
December 2015
ùHNHUEDQN7$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.7
14.6
10.3
11.3
3.6
4.6
-98.5
-85.1
-0.5
0.1
78.8
79.8
64.7
65.7
60.1
58.8
61.3
58.8
84.6
87.3
60.9
63.9
9.1
5.5
Assets Quality
12.9
12.3
68.5
69.1
112.5
108.1
6.0
5.7
2.8
2.2
54.0
61.8
6.8
6.7
9.8
11.9
Liquidity
19.5
17.6
35.0
31.1
9.8
7.2
0.4
1.1
4.1
9.4
0.3
1.3
Profitability
2.9
3.4
51.8
52.8
1.3
1.9
3.5
3.8
42.2
42.7
36.7
49.9
II-77
7XUNLVK%DQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
10
0
0
0
0
0
0
0
0
0
0
0
0
15
0
15
0
22
0
17
5
130
129
0
0
129
4
3
3
0
0
0
0
0
0
0
0
16
13
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
0
0
0
0
7
47
0
0
0
0
0
0
0
0
0
0
0
11
0
0
0
0
0
0
0
0
149
149
0
0
149
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
56
0
0
0
0
0
0
0
0
0
0
0
11
15
0
15
0
22
0
17
5
279
277
0
0
277
4
3
3
0
0
0
0
0
0
0
0
16
13
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
0
0
0
0
7
13.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.8
3.7
0.0
3.7
0.0
5.3
0.0
4.0
1.3
67.0
66.7
0.0
0.0
66.7
1.0
0.7
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9
3.1
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.3
0.0
0.3
0.0
0.1
0.0
0.1
0.0
1.8
27
1
1
0
0
1
0
0
0
0
0
0
16
0
0
0
0
32
0
13
18
197
195
0
0
195
3
2
0
0
0
0
0
0
0
0
0
14
14
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
2
0
2
0
0
0
0
0
6
55
0
0
0
0
0
0
0
0
0
0
0
61
0
0
0
0
0
0
0
0
188
188
0
0
188
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
81
1
1
0
0
1
0
0
0
0
0
0
77
0
0
0
0
32
0
13
18
385
384
0
0
384
3
2
0
0
0
0
0
0
0
0
0
14
14
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
2
0
2
0
0
0
0
0
6
13.5
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
12.8
0.0
0.0
0.0
0.0
5.3
0.0
2.2
3.0
64.0
63.8
0.0
0.0
63.8
0.5
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4
2.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.3
0.0
0.3
0.0
0.0
0.0
0.0
0.0
1.0
Total Assets
209
207
416
100.0
297
305
602
100.0
II-78
December 2015
7XUNLVK%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
82
1
82
0
2
8
0
0
8
17
17
0
0
0
0
0
1
5
0
0
0
0
0
0
0
0
0
0
4
3
0
1
0
0
1
1
0
0
0
65
60
-1
0
0
0
0
0
0
0
0
0
0
4
1
0
3
0
1
0
1
183
1
182
0
46
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
266
2
264
0
48
8
0
0
8
17
17
0
0
0
0
0
3
5
0
0
0
0
0
0
0
0
0
0
4
3
0
1
0
0
1
1
0
0
0
65
60
-1
0
0
0
0
0
0
0
0
0
0
4
1
0
3
0
1
0
1
63.8
0.4
63.4
0.1
11.4
2.0
0.0
0.0
2.0
4.2
4.2
0.0
0.0
0.0
0.0
0.0
0.6
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.6
0.0
0.2
0.0
0.0
0.2
0.2
0.0
0.0
0.0
15.6
14.4
-0.2
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
1.0
0.2
0.0
0.8
0.0
0.3
0.0
0.3
150
1
149
0
7
10
0
0
10
25
25
0
0
0
0
0
1
5
0
0
0
0
0
0
0
0
0
0
4
3
0
1
0
0
1
1
0
0
0
80
75
0
0
0
0
0
0
0
0
0
0
0
3
1
0
2
0
2
0
2
239
1
238
0
77
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
389
2
387
0
84
10
0
0
10
25
25
0
0
0
0
0
3
5
0
0
0
0
0
0
0
0
0
0
4
3
0
1
0
0
1
1
0
0
0
80
75
0
0
0
0
0
0
0
0
0
0
0
3
1
0
2
0
2
0
2
64.7
0.4
64.3
0.1
13.9
1.6
0.0
0.0
1.6
4.2
4.2
0.0
0.0
0.0
0.0
0.0
0.4
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.6
0.0
0.1
0.0
0.0
0.2
0.2
0.0
0.0
0.0
13.3
12.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.2
0.0
0.3
0.0
0.3
0.0
0.3
185
231
416
100.0
283
319
602
100.0
II-79
7XUNLVK%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
59
59
0
0
0
0
0
12
12
0
24
0
24
381
7
375
0
31
24
4
3
0
0
0
8
8
0
78
0
78
376
53
323
0
90
83
4
3
0
0
0
20
20
0
101
0
101
757
60
698
0
42
42
0
0
0
0
0
10
10
0
4
0
4
555
11
544
0
45
20
8
17
0
0
0
5
5
0
59
0
59
489
61
428
0
87
62
8
17
0
0
0
15
15
0
63
0
63
1,044
72
972
0
476
492
968
611
598
1,209
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-80
Dec. 2014
34
30
0
1
0
3
0
17
12
2
1
2
0
17
1
2
1
0
0
0
-1
1
1
19
1
1
0
16
8
2
0
0
0
2
0
1
0
0
0
40
34
0
2
0
4
0
22
17
2
1
2
0
19
1
2
1
0
0
0
0
-1
2
22
2
1
1
17
9
3
0
0
0
3
-1
2
0
0
0
1
2
December 2015
7XUNLVK%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
19.9
17.1
15.6
13.3
10.3
9.8
8.2
-2.2
7.8
1.1
50.2
49.3
44.4
47.0
89.6
95.7
31.0
38.6
46.7
51.1
63.8
64.7
11.4
13.9
Assets Quality
5.3
5.4
67.0
64.0
105.0
99.0
1.5
0.8
0.5
0.3
68.5
62.5
5.2
3.5
0.9
1.1
Liquidity
25.3
31.7
67.2
164.3
11.4
12.4
0.3
0.3
2.0
2.5
0.4
0.4
Profitability
3.7
3.0
81.3
82.9
0.5
0.5
3.8
2.8
50.1
52.9
14.2
17.1
II-81
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
412
205
205
67
0
139
0
0
0
0
0
0
211
0
0
0
0
1,381
7
1,374
0
14,911
14,773
4
0
14,770
422
284
0
116
116
0
0
0
0
0
0
40
40
0
0
0
0
0
0
0
0
0
0
0
20
0
20
0
97
162
144
17
0
28
0
27
25
339
2,986
35
35
4
0
31
0
0
0
0
0
0
242
0
0
0
0
34
26
8
0
3,324
3,324
0
0
3,324
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
93
3,398
240
240
71
0
169
0
0
0
0
0
0
453
0
0
0
0
1,415
33
1,382
0
18,235
18,097
4
0
18,094
422
284
0
116
116
0
0
0
0
0
0
40
40
0
0
0
0
0
0
0
0
0
0
0
20
0
20
0
97
162
144
17
0
28
0
27
25
432
13.8
1.0
1.0
0.3
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.0
5.7
0.1
5.6
0.0
73.9
73.4
0.0
0.0
73.4
1.7
1.2
0.0
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.4
0.7
0.6
0.1
0.0
0.1
0.0
0.1
0.1
1.8
370
253
253
33
0
220
0
0
0
0
0
0
256
236
0
0
236
1,850
9
1,841
0
16,104
15,931
38
0
15,893
482
309
0
136
136
0
0
0
0
0
0
50
50
0
0
0
0
0
0
0
0
0
0
0
26
1
25
0
135
204
181
23
0
43
2
42
34
450
3,268
38
38
4
0
34
0
0
0
0
0
0
89
0
0
0
0
4
0
4
0
3,404
3,404
0
0
3,404
0
0
0
0
0
0
0
0
0
0
0
26
26
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
93
3,639
292
292
38
0
254
0
0
0
0
0
0
345
236
0
0
236
1,853
9
1,844
0
19,508
19,335
38
0
19,297
482
309
0
136
136
0
0
0
0
0
0
76
76
0
0
0
0
0
0
0
0
0
0
0
26
1
25
0
135
204
181
23
0
43
2
42
34
543
13.4
1.1
1.1
0.1
0.0
0.9
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.9
0.0
0.0
0.9
6.8
0.0
6.8
0.0
72.1
71.4
0.1
0.0
71.3
1.8
1.1
0.0
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.5
0.8
0.7
0.1
0.0
0.2
0.0
0.2
0.1
2.0
Total Assets
17,947
6,713
24,660
100.0
20,149
6,922
27,071
100.0
II-82
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
9,810
194
9,616
160
426
817
0
0
817
63
63
0
0
0
0
0
343
364
0
0
0
0
0
0
54
0
54
0
355
239
0
68
0
47
79
79
0
0
0
2,365
755
284
1
0
-21
33
0
0
0
28
0
243
1,020
70
0
851
99
306
3
302
5,404
346
5,058
18
3,547
0
0
0
0
30
30
0
0
0
0
0
98
0
0
0
0
0
0
0
0
0
0
0
40
0
0
2
0
38
0
0
0
0
665
20
0
20
0
0
20
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,214
540
14,673
178
3,973
817
0
0
817
93
93
0
0
0
0
0
441
365
0
0
0
0
0
0
55
0
55
0
395
239
0
70
0
85
79
79
0
0
665
2,386
755
304
1
0
0
33
0
0
0
28
0
243
1,020
70
0
851
99
306
3
302
61.7
2.2
59.5
0.7
16.1
3.3
0.0
0.0
3.3
0.4
0.4
0.0
0.0
0.0
0.0
0.0
1.8
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
1.6
1.0
0.0
0.3
0.0
0.3
0.3
0.3
0.0
0.0
2.7
9.7
3.1
1.2
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.1
0.0
1.0
4.1
0.3
0.0
3.5
0.4
1.2
0.0
1.2
11,734
380
11,355
134
108
755
0
0
755
299
299
0
0
0
0
0
404
439
0
0
0
0
0
0
135
5
130
0
416
262
0
90
0
65
83
83
0
0
0
2,537
947
304
1
0
-8
40
0
0
0
-26
0
297
1,014
74
0
842
98
272
4
268
5,215
547
4,667
51
3,786
0
0
0
0
127
127
0
0
0
0
0
78
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
768
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,949
927
16,022
185
3,894
755
0
0
755
426
426
0
0
0
0
0
482
441
0
0
0
0
0
0
135
5
130
0
416
262
0
90
0
65
83
83
0
0
768
2,537
947
304
1
0
-8
40
0
0
0
-26
0
297
1,014
74
0
842
98
272
4
268
62.6
3.4
59.2
0.7
14.4
2.8
0.0
0.0
2.8
1.6
1.6
0.0
0.0
0.0
0.0
0.0
1.8
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.0
0.5
0.0
1.5
1.0
0.0
0.3
0.0
0.2
0.3
0.3
0.0
0.0
2.8
9.4
3.5
1.1
0.0
0.0
0.0
0.1
0.0
0.0
0.0
-0.1
0.0
1.1
3.7
0.3
0.0
3.1
0.4
1.0
0.0
1.0
14,837
9,823
24,660
100.0
17,045
10,026
27,071
100.0
II-83
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
2,151
1,647
0
0
0
0
503
4,047
4,047
0
12,562
4,414
8,149
51,328
8,238
42,947
143
2,818
1,734
17
482
0
0
585
487
487
0
14,868
472
14,396
8,227
505
7,702
20
4,969
3,381
17
482
0
0
1,088
4,534
4,534
0
27,431
4,886
22,544
59,555
8,743
50,649
163
2,324
1,802
0
0
0
0
523
4,789
4,789
0
13,880
4,623
9,257
58,836
11,799
46,964
73
2,773
1,759
27
546
0
0
441
641
641
0
17,496
141
17,354
8,476
661
7,797
18
5,097
3,560
27
546
0
0
964
5,429
5,429
0
31,376
4,764
26,612
67,312
12,460
54,762
91
70,088
26,400
96,488
79,829
29,386
109,215
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-84
Dec. 2014
2,131
1,960
7
13
17
134
1
1,078
902
96
53
15
12
1,053
348
479
131
7
-190
1
264
-455
101
1,320
316
261
30
732
307
271
0
0
0
271
-62
209
98
-5
93
2,236
2,022
1
13
14
181
5
1,134
957
82
59
24
11
1,102
379
561
182
8
-153
4
-353
196
91
1,426
243
198
31
842
354
342
0
0
0
342
-74
268
0
0
0
302
268
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.9
14.0
9.7
9.4
7.8
7.1
-90.2
-76.9
8.0
-13.1
72.8
74.4
60.2
63.0
68.3
69.0
64.5
69.2
81.8
82.6
61.7
62.6
16.1
14.4
Assets Quality
7.3
8.5
73.9
72.1
119.9
115.1
2.3
2.5
0.8
0.9
67.3
64.2
1.9
2.3
28.2
30.4
Liquidity
22.3
23.5
37.7
37.2
9.0
11.0
Profitability
1.2
1.0
12.7
10.5
1.1
1.3
3.2
3.3
60.0
63.4
1.1
1.2
3.0
3.1
41.9
42.1
36.4
38.5
II-85
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1,127
152
152
90
19
43
0
0
0
0
0
0
30
0
0
0
0
10,648
12
10,633
3
39,077
38,771
212
0
38,559
1,233
926
0
1,191
1,170
21
44
0
44
43
1
2,984
1,386
1,598
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,487
121
0
121
0
163
0
163
15
785
9,720
393
393
3
0
390
0
0
0
0
0
0
490
0
0
0
0
3,354
88
2,920
347
21,899
21,898
210
0
21,687
2
1
0
39
0
39
0
0
0
0
0
191
191
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
570
10,847
546
546
93
19
433
0
0
0
0
0
0
520
0
0
0
0
14,002
100
13,553
350
60,976
60,668
422
0
60,247
1,235
928
0
1,231
1,170
61
44
0
44
43
1
3,175
1,577
1,598
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,491
121
0
121
0
163
0
163
15
1,355
11.5
0.6
0.6
0.1
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
14.8
0.1
14.3
0.4
64.5
64.2
0.4
0.0
63.8
1.3
1.0
0.0
1.3
1.2
0.1
0.0
0.0
0.0
0.0
0.0
3.4
1.7
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
1.4
2,033
188
188
109
0
79
0
0
0
0
0
0
57
0
0
0
0
13,782
14
13,765
2
43,389
43,149
309
0
42,840
1,040
800
0
537
527
10
337
0
337
54
283
3,621
1,593
2,028
0
0
0
0
0
0
0
0
0
0
0
0
0
0
812
117
0
117
0
226
0
226
26
522
8,542
344
344
4
0
340
0
0
0
0
0
0
542
0
0
0
0
3,104
0
2,694
410
23,599
23,599
313
0
23,285
0
0
0
22
0
22
0
0
0
0
0
179
179
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
0
0
0
0
0
0
0
0
200
10,575
532
532
113
0
418
0
0
0
0
0
0
599
0
0
0
0
16,885
15
16,459
412
66,988
66,748
623
0
66,125
1,040
800
0
559
527
32
337
0
337
54
283
3,800
1,772
2,028
0
0
0
0
0
0
0
0
0
0
0
0
0
0
817
118
0
118
0
226
0
226
26
722
10.3
0.5
0.5
0.1
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
16.5
0.0
16.1
0.4
65.6
65.3
0.6
0.0
64.7
1.0
0.8
0.0
0.5
0.5
0.0
0.3
0.0
0.3
0.1
0.3
3.7
1.7
2.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
0.7
Total Assets
57,825
36,660
94,485
100.0
65,647
36,537
102,184
100.0
II-86
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
25,095
772
24,323
104
909
5,842
0
0
5,842
2,168
1,903
0
265
0
0
0
2,160
508
0
0
0
0
0
0
0
0
0
0
2,421
974
0
190
0
1,257
197
197
0
0
0
10,959
1,542
2,357
1
0
1,022
781
0
0
9
0
0
544
6,000
851
0
5,147
2
1,060
3
1,056
27,611
1,256
26,355
214
8,826
1,043
0
0
1,043
4,604
660
0
3,944
0
0
0
187
218
0
0
0
0
0
0
0
0
0
0
10
3
0
0
0
7
4
4
0
0
1,387
19
0
19
0
0
19
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52,706
2,028
50,678
318
9,735
6,884
0
0
6,884
6,772
2,563
0
4,209
0
0
0
2,348
726
0
0
0
0
0
0
0
0
0
0
2,431
977
0
190
0
1,264
200
200
0
0
1,387
10,978
1,542
2,376
1
0
1,041
781
0
0
9
0
0
544
6,000
851
0
5,147
2
1,060
3
1,056
55.8
2.1
53.6
0.3
10.3
7.3
0.0
0.0
7.3
7.2
2.7
0.0
4.5
0.0
0.0
0.0
2.5
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
1.0
0.0
0.2
0.0
1.3
0.2
0.2
0.0
0.0
1.5
11.6
1.6
2.5
0.0
0.0
1.1
0.8
0.0
0.0
0.0
0.0
0.0
0.6
6.3
0.9
0.0
5.4
0.0
1.1
0.0
1.1
31,366
645
30,721
92
1,232
6,352
0
0
6,352
2,370
1,850
0
520
0
0
0
2,161
566
0
0
0
0
0
0
0
0
0
0
2,760
998
0
202
0
1,560
279
279
0
0
0
12,455
1,934
2,691
2
0
1,987
0
0
0
11
0
0
691
6,377
966
0
5,408
3
1,454
0
1,454
26,028
1,346
24,682
178
7,650
1,253
0
0
1,253
5,002
1,006
0
3,997
0
0
0
206
673
0
0
0
0
0
0
0
0
0
0
12
3
0
0
0
9
0
0
0
0
1,405
141
0
141
0
0
141
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
57,394
1,991
55,403
271
8,883
7,605
0
0
7,605
7,372
2,856
0
4,516
0
0
0
2,367
1,239
0
0
0
0
0
0
0
0
0
0
2,772
1,001
0
202
0
1,569
279
279
0
0
1,405
12,597
1,934
2,832
2
0
2,128
0
0
0
11
0
0
691
6,377
966
0
5,408
3
1,454
0
1,454
56.2
1.9
54.2
0.3
8.7
7.4
0.0
0.0
7.4
7.2
2.8
0.0
4.4
0.0
0.0
0.0
2.3
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.7
1.0
0.0
0.2
0.0
1.5
0.3
0.3
0.0
0.0
1.4
12.3
1.9
2.8
0.0
0.0
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.7
6.2
0.9
0.0
5.3
0.0
1.4
0.0
1.4
Total Liabilities
50,362
44,123
94,485
100.0
59,634
42,550
102,184
100.0
II-87
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
TC
Dec. 2014
FC
Total
6,916
6,911
2
2
0
0
1
13,718
13,675
43
10,781
0
10,781
88,446
13,775
74,671
0
10,438
6,296
319
3,512
0
0
311
4,208
1,731
2,477
28,990
0
28,990
43,154
4,079
39,075
0
17,354
13,207
321
3,514
0
0
312
17,926
15,406
2,520
39,772
0
39,772
131,600
17,854
113,746
0
7,591
7,584
4
0
0
0
3
16,336
16,289
47
9,971
0
9,971
90,238
18,664
71,574
0
10,809
6,863
524
3,097
0
0
325
3,744
1,201
2,542
25,467
0
25,467
42,020
4,414
37,605
0
18,400
14,446
528
3,097
0
0
328
20,079
17,490
2,590
35,438
0
35,438
132,258
23,078
109,179
0
119,861
86,791
206,652
124,136
82,039
206,176
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
6,580
5,376
22
6
0
1,169
7
3,500
2,186
259
579
466
11
3,079
819
961
142
190
-298
116
-383
-31
380
4,170
705
485
182
2,168
887
1,297
0
0
0
1,297
-240
1,056
0
0
0
6,913
5,458
0
9
0
1,438
8
3,710
2,442
207
596
438
26
3,203
861
1,003
142
256
79
190
-382
271
435
4,835
569
393
153
2,448
1,056
1,818
0
0
0
1,818
-365
1,454
0
0
0
Net Profit/Losses
1,056
1,454
II-88
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.6
16.0
11.6
12.3
6.2
7.1
-51.4
-31.6
-7.3
-12.3
61.2
64.2
53.3
58.4
83.1
85.9
47.6
54.6
64.1
64.8
55.8
56.2
10.3
8.7
Assets Quality
16.7
17.6
64.5
65.6
115.7
116.7
2.0
1.6
0.5
0.4
75.1
76.9
5.5
5.2
26.1
27.1
Liquidity
27.4
28.0
53.1
52.4
12.7
15.7
Profitability
1.1
1.4
9.6
11.5
1.4
1.8
2.7
2.8
62.2
58.1
1.2
1.6
2.3
2.4
40.9
43.1
50.3
66.6
II-89
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1,187
527
527
18
0
509
0
0
0
0
0
0
9
53
0
53
0
6,367
2
6,086
278
33,622
33,135
541
0
32,593
1,925
1,438
0
658
658
0
2
0
2
0
2
766
763
3
7
0
7
7
0
0
0
0
0
0
325
86
239
0
923
510
336
175
0
0
0
0
52
476
8,064
80
80
5
0
75
0
0
0
0
0
0
449
45
0
45
0
1,429
72
898
459
17,363
17,335
30
0
17,304
176
148
0
1,532
1,532
0
116
0
116
116
0
476
476
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
0
0
0
0
0
0
0
0
0
480
9,251
606
606
23
0
584
0
0
0
0
0
0
458
98
0
98
0
7,796
74
6,984
737
50,985
50,469
572
0
49,897
2,101
1,586
0
2,190
2,190
0
117
0
117
116
2
1,241
1,239
3
7
0
7
7
0
0
0
0
0
0
327
86
241
0
923
510
336
175
0
0
0
0
52
956
12.2
0.8
0.8
0.0
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.1
0.0
0.1
0.0
10.3
0.1
9.2
1.0
67.5
66.8
0.8
0.0
66.1
2.8
2.1
0.0
2.9
2.9
0.0
0.2
0.0
0.2
0.2
0.0
1.6
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.1
0.3
0.0
1.2
0.7
0.4
0.2
0.0
0.0
0.0
0.0
0.1
1.3
1,285
451
451
30
0
422
0
0
0
0
0
0
39
674
0
107
567
6,569
2
5,970
596
36,072
35,617
504
0
35,113
1,617
1,162
0
811
811
0
2
0
2
0
2
703
702
1
8
0
8
8
0
0
0
0
0
0
110
76
34
0
452
614
421
193
0
40
0
40
65
442
8,586
63
63
11
0
52
0
0
0
0
0
0
990
0
0
0
0
1,419
0
1,014
405
16,355
16,271
96
0
16,175
245
161
0
1,346
1,346
0
19
0
19
19
0
344
344
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
413
9,871
514
514
41
0
474
0
0
0
0
0
0
1,029
674
0
107
567
7,988
3
6,985
1,000
52,427
51,888
600
0
51,288
1,862
1,323
0
2,157
2,157
0
21
0
21
19
2
1,047
1,046
1
8
0
8
8
0
0
0
0
0
0
110
76
34
0
452
614
421
193
0
40
0
40
65
855
12.7
0.7
0.7
0.1
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.9
0.0
0.1
0.7
10.3
0.0
9.0
1.3
67.3
66.6
0.8
0.0
65.9
2.4
1.7
0.0
2.8
2.8
0.0
0.0
0.0
0.0
0.0
0.0
1.3
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.6
0.8
0.5
0.2
0.0
0.1
0.0
0.1
0.1
1.1
Total Assets
45,483
30,035
75,518
100.0
48,338
29,535
77,872
100.0
II-90
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
23,025
2,574
20,452
556
224
3,471
647
0
2,824
949
722
0
227
0
0
0
2,697
613
0
0
0
0
0
0
13
1
12
0
982
568
0
92
0
322
204
165
39
0
0
7,465
1,490
1,259
186
0
77
497
0
0
5
85
0
409
4,078
258
0
3,820
1
638
0
638
20,465
2,800
17,665
79
7,869
742
0
0
742
2,330
155
0
2,175
0
0
0
434
305
0
0
0
0
0
0
37
0
37
0
338
313
0
0
0
25
0
0
0
0
2,274
446
0
446
0
0
458
0
0
0
0
-12
0
0
0
0
0
0
0
0
0
0
43,490
5,374
38,116
635
8,093
4,213
647
0
3,566
3,279
877
0
2,402
0
0
0
3,132
918
0
0
0
0
0
0
51
1
49
0
1,320
881
0
92
0
347
204
165
39
0
2,274
7,911
1,490
1,705
186
0
535
497
0
0
5
73
0
409
4,078
258
0
3,820
1
638
0
638
57.6
7.1
50.5
0.8
10.7
5.6
0.9
0.0
4.7
4.3
1.2
0.0
3.2
0.0
0.0
0.0
4.1
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.7
1.2
0.0
0.1
0.0
0.5
0.3
0.2
0.1
0.0
3.0
10.5
2.0
2.3
0.2
0.0
0.7
0.7
0.0
0.0
0.0
0.1
0.0
0.5
5.4
0.3
0.0
5.1
0.0
0.8
0.0
0.8
27,580
3,881
23,699
300
371
1,648
0
0
1,648
1,212
704
0
508
0
0
0
2,959
577
0
0
0
0
0
0
98
0
98
0
1,104
543
0
108
0
454
160
160
0
0
0
8,082
1,868
926
234
0
232
8
0
0
6
-58
0
504
4,494
275
0
4,218
1
793
0
793
17,596
2,618
14,978
42
7,417
1,017
0
0
1,017
2,965
736
0
2,230
0
0
0
651
663
0
0
0
0
0
0
91
0
91
0
290
267
0
0
0
24
0
0
0
0
2,910
138
0
138
0
0
208
0
0
0
0
-70
0
0
0
0
0
0
0
0
0
0
45,176
6,499
38,677
342
7,788
2,665
0
0
2,665
4,177
1,440
0
2,737
0
0
0
3,611
1,241
0
0
0
0
0
0
189
0
189
0
1,395
809
0
108
0
477
160
160
0
0
2,910
8,220
1,868
1,064
234
0
440
8
0
0
6
-128
0
504
4,494
275
0
4,218
1
793
0
793
58.0
8.3
49.7
0.4
10.0
3.4
0.0
0.0
3.4
5.4
1.8
0.0
3.5
0.0
0.0
0.0
4.6
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
1.8
1.0
0.0
0.1
0.0
0.6
0.2
0.2
0.0
0.0
3.7
10.6
2.4
1.4
0.3
0.0
0.6
0.0
0.0
0.0
0.0
-0.2
0.0
0.6
5.8
0.4
0.0
5.4
0.0
1.0
0.0
1.0
Total Liabilities
40,200
35,318
75,518
100.0
44,092
33,781
77,872
100.0
II-91
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
TC
Dec. 2014
FC
Total
6,195
6,179
0
4
0
0
11
20,655
20,428
227
27,598
9,492
18,106
83,260
26,238
55,642
1,381
13,353
9,229
59
2,617
0
0
1,447
8,983
6,617
2,366
49,144
10,558
38,586
22,462
2,651
19,553
258
19,547
15,409
59
2,621
0
0
1,458
29,638
27,045
2,593
76,742
20,050
56,691
105,722
28,888
75,194
1,640
6,869
6,839
0
0
0
0
30
18,445
18,445
0
25,162
8,503
16,659
75,622
26,657
48,330
635
13,878
9,398
55
3,263
0
0
1,162
1,506
1,506
0
45,691
9,502
36,189
16,141
2,678
13,158
306
20,747
16,237
55
3,263
0
0
1,192
19,951
19,951
0
70,853
18,005
52,848
91,763
29,335
61,488
940
137,708
93,942
231,649
126,097
77,216
203,314
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-92
Dec. 2014
5,241
4,388
15
11
13
813
0
2,896
2,141
297
234
219
4
2,345
921
1,168
247
1
-270
89
290
-649
208
3,205
864
570
236
1,648
616
693
0
126
0
819
-181
638
0
0
0
5,058
4,133
0
30
104
792
0
2,649
2,026
311
108
197
7
2,409
946
1,209
264
75
-179
119
-589
292
257
3,507
800
541
197
1,689
672
1,018
0
0
0
1,018
-225
793
0
0
0
638
793
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.8
15.0
10.5
10.6
6.0
7.0
-35.2
-20.4
3.3
-1.4
60.2
62.1
53.2
56.6
85.0
87.4
52.9
61.0
65.9
68.8
57.6
58.0
10.7
10.0
Assets Quality
14.5
13.8
67.5
67.3
117.2
116.1
4.1
3.6
1.0
1.0
75.5
71.0
4.5
3.5
29.4
30.4
Liquidity
24.1
25.8
46.5
52.3
10.8
11.6
0.8
1.0
8.1
9.6
1.1
1.3
Profitability
2.4
2.4
55.4
53.3
1.1
1.4
2.2
2.2
37.3
39.8
52.2
65.0
II-93
II-95
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
11
11
11
0
0
0
0
0
0
0
0
109
0
0
0
0
0
0
0
0
264
263
0
0
263
16
16
0
289
289
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
5
0
5
0
5
0
0
0
0
0
0
0
0
0
0
0
0
144
0
0
0
0
0
0
0
0
205
205
0
0
205
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
11
11
11
0
0
0
0
0
0
0
0
252
0
0
0
0
0
0
0
0
469
469
0
0
469
18
18
0
289
289
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
5
0
5
0
8
0.0
1.0
1.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
44.6
44.6
0.0
0.0
44.6
1.7
1.7
0.0
27.5
27.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
0.0
0.0
0.0
0.5
0.0
0.5
0.0
0.8
0
34
34
34
0
0
0
0
0
0
0
0
112
0
0
0
0
0
0
0
0
1
1
0
0
1
20
19
0
460
460
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
0
0
0
0
6
0
6
0
6
0
0
0
0
0
0
0
0
0
0
0
0
240
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
34
34
34
0
0
0
0
0
0
0
0
352
0
0
0
0
0
0
0
0
1
1
0
0
1
22
22
0
460
460
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
0
0
0
0
6
0
6
0
9
0.0
3.9
3.9
3.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.1
2.5
2.5
0.0
52.0
52.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
0.0
0.0
0.0
0.0
0.6
0.0
0.6
0.0
1.1
Total Assets
700
352
1,052
100.0
642
243
885
100.0
II-96
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
185
183
1
0
0
1
0
0
1
0
0
0
0
0
0
0
5
2
0
0
0
0
0
0
0
0
0
0
20
6
0
3
0
11
1
1
0
0
288
206
158
0
0
0
0
0
0
0
0
0
0
0
6,013
9
0
6,004
0
-5,965
-5,973
7
107
0
107
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
24
0
0
0
0
204
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
706
345
II-97
Total
%
Distr.
292
27.8
183
17.4
109
10.4
0
0.0
0
0.0
1
0.1
0
0.0
0
0.0
1
0.1
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
15
1.4
2
0.2
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
44
4.2
6
0.6
0
0.0
3
0.3
0
0.0
35
3.4
1
0.1
1
0.1
0
0.0
0
0.0
491
46.7
206
19.6
158
15.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
0
0.0
6,013 571.7
9
0.9
0
0.0
6,004 570.8
0
0.0
-5,965 -567.1
-5,973 -567.8
7
0.7
1,052
100.0
Dec. 2014
FC
TC
Total
%
Distr.
2
0
2
0
0
1
0
0
1
0
0
0
0
0
0
0
7
1
0
0
0
0
0
0
0
0
0
0
19
3
0
3
0
13
2
2
0
0
353
259
198
0
0
0
0
0
0
0
0
0
0
0
7,551
11
0
7,540
0
-7,490
-7,500
10
9
0
9
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
24
0
0
0
0
199
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
10
0
0
1
0
0
1
0
0
0
0
0
0
0
17
1
0
0
0
0
0
0
0
0
0
0
43
3
0
3
0
37
2
2
0
0
553
259
198
0
0
0
0
0
0
0
0
0
0
0
7,551
11
0
7,540
0
-7,490
-7,500
10
1.2
0.0
1.2
0.0
0.0
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
0.3
0.0
0.4
0.0
4.2
0.2
0.2
0.0
0.0
62.5
29.3
22.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
853.3
1.3
0.0
851.9
0.0
-846.4
-847.5
1.2
643
242
885
100.0
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
13
13
0
0
0
0
0
1,972
1,972
0
0
0
0
699
313
386
0
40
40
0
0
0
0
0
0
0
0
0
0
0
37
1
36
1
53
53
0
0
0
0
0
1,972
1,972
0
0
0
0
736
314
421
1
31
31
0
0
0
0
0
2,310
2,310
0
0
0
0
232
5
227
0
49
49
0
0
0
0
0
0
0
0
0
0
0
39
1
38
1
80
80
0
0
0
0
0
2,310
2,310
0
0
0
0
271
6
264
1
2,684
78
2,762
2,573
88
2,661
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-98
Dec. 2014
65
19
0
15
0
30
0
39
2
37
0
0
0
26
1
1
0
0
1
0
0
1
2
30
7
1
4
12
7
11
0
0
0
11
-4
7
0
0
0
34
1
0
9
0
23
0
10
0
10
0
0
0
24
1
1
0
0
2
2
0
0
2
29
1
0
0
15
8
13
0
0
0
13
-3
10
0
0
0
7
10
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
61.0
85.9
19.6
29.3
17.9
26.7
3.3
0.5
3.3
0.5
66.5
72.5
67.2
72.6
102.0
100.5
63.2
17.4
56.2
100.0
27.8
1.2
0.0
0.0
28.5
55.9
44.6
0.1
160.6
11.9
3.9
1,799.7
0.0
21.1
98.9
98.8
Assets Quality
1.6
2.5
0.2
78.9
Liquidity
25.0
43.7
89.9
3,326.4
11.4
16.5
0.7
1.2
3.5
3.9
1.0
1.5
Profitability
2.4
2.7
84.7
81.0
0.3
0.6
1.1
1.7
57.1
56.4
30.6
34.4
II-99
II-100
Foreign Banks
II-101
$OWHUQDWLIEDQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
18
8
8
0
0
8
0
0
0
0
0
0
99
120
0
17
103
121
2
118
2
1,749
1,674
5
0
1,668
163
87
0
0
0
0
0
0
0
0
0
57
57
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
10
0
10
0
2
0
2
0
64
512
2
2
0
0
2
0
0
0
0
0
0
110
0
0
0
0
158
0
111
48
1,453
1,453
86
0
1,368
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13
530
9
9
0
0
9
0
0
0
0
0
0
210
120
0
17
103
280
2
229
49
3,203
3,127
91
0
3,036
163
87
0
0
0
0
0
0
0
0
0
57
57
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
10
0
10
0
2
0
2
0
77
11.8
0.2
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
4.6
2.7
0.0
0.4
2.3
6.2
0.0
5.1
1.1
71.1
69.4
2.0
0.0
67.4
3.6
1.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
1.7
71
9
9
0
0
9
0
0
0
0
0
0
31
0
0
0
0
340
0
340
0
2,518
2,451
0
0
2,451
168
102
0
0
0
0
0
0
0
0
0
63
63
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12
10
0
10
0
0
0
0
0
74
513
6
6
0
0
6
0
0
0
0
0
0
13
0
0
0
0
45
0
45
0
870
870
37
0
833
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
584
15
15
0
0
15
0
0
0
0
0
0
44
0
0
0
0
385
0
385
0
3,387
3,321
37
0
3,284
168
102
0
0
0
0
0
0
0
0
0
63
63
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12
10
0
10
0
0
0
0
0
80
12.7
0.3
0.3
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
8.4
0.0
8.4
0.0
74.0
72.5
0.8
0.0
71.7
3.7
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
1.8
Total Assets
2,258
2,248
4,506
100.0
3,128
1,453
4,581
100.0
II-102
December 2015
$OWHUQDWLIEDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
1,178
91
1,087
0
7
83
0
0
83
0
0
0
0
0
0
0
30
42
0
0
0
0
0
0
0
0
0
0
47
32
0
3
0
12
9
9
0
0
0
345
212
-6
0
0
-5
0
0
0
0
0
0
-1
116
8
0
109
0
22
2
20
977
47
930
4
1,190
40
0
0
40
252
252
0
0
0
0
0
39
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
263
-4
0
-4
0
0
-4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,155
137
2,018
5
1,197
123
0
0
123
252
252
0
0
0
0
0
70
43
0
0
0
0
0
0
0
0
0
0
47
32
0
3
0
12
9
9
0
1
263
342
212
-10
0
0
-9
0
0
0
0
0
0
-1
116
8
0
109
0
22
2
20
47.8
3.0
44.8
0.1
26.6
2.7
0.0
0.0
2.7
5.6
5.6
0.0
0.0
0.0
0.0
0.0
1.5
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.7
0.0
0.1
0.0
0.3
0.2
0.2
0.0
0.0
5.8
7.6
4.7
-0.2
0.0
0.0
-0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
0.2
0.0
2.4
0.0
0.5
0.0
0.5
1,700
287
1,414
1
25
138
0
0
138
81
81
0
0
0
0
0
58
60
0
0
0
0
0
0
4
4
0
0
44
27
0
3
0
13
12
12
0
1
0
412
266
-3
0
0
-3
0
0
0
0
0
0
0
93
7
0
85
0
56
0
56
739
254
485
4
836
35
0
0
35
252
252
0
0
0
0
0
34
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
142
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,439
540
1,898
5
861
173
0
0
173
333
333
0
0
0
0
0
92
61
0
0
0
0
0
0
4
4
0
0
44
27
0
3
0
13
12
12
0
3
142
412
266
-3
0
0
-3
0
0
0
0
0
0
0
93
7
0
85
0
56
0
56
53.2
11.8
41.4
0.1
18.8
3.8
0.0
0.0
3.8
7.3
7.3
0.0
0.0
0.0
0.0
0.0
2.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.0
0.6
0.0
0.1
0.0
0.3
0.3
0.3
0.0
0.1
3.1
9.0
5.8
-0.1
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
0.2
0.0
1.9
0.0
1.2
0.0
1.2
Total Liabilities
1,742
2,764
4,506
100.0
2,536
2,045
4,581
100.0
II-103
$OWHUQDWLIEDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
417
417
0
0
0
0
0
220
220
0
1,112
75
1,037
12,379
234
12,140
4
667
347
12
119
0
0
189
97
97
0
2,562
0
2,562
4,968
223
4,745
0
1,084
764
12
119
0
0
189
317
317
0
3,674
75
3,598
17,346
457
16,885
4
552
552
0
0
0
0
0
392
392
0
685
95
590
12,654
206
12,445
3
424
244
19
156
0
0
5
12
12
0
1,132
0
1,132
3,048
213
2,835
0
976
796
19
156
0
0
5
405
405
0
1,817
95
1,722
15,702
419
15,280
3
14,127
8,293
22,421
14,284
4,617
18,900
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-104
Dec. 2014
367
331
1
3
9
21
1
192
143
32
8
8
1
175
21
26
4
0
-14
2
25
-40
58
241
71
56
10
141
54
29
0
0
0
29
-9
20
0
0
0
451
377
0
1
0
72
1
254
172
23
48
8
2
197
18
23
5
0
-13
-1
0
-13
34
237
56
47
0
114
64
67
0
0
0
67
-11
56
0
0
0
20
56
December 2015
$OWHUQDWLIEDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.5
15.1
7.6
9.0
4.2
5.7
-57.8
-36.6
5.8
1.4
50.1
68.3
38.7
55.4
81.3
71.1
54.7
69.7
54.6
74.3
47.8
53.2
26.6
18.8
Assets Quality
6.4
8.7
71.1
74.0
148.6
138.9
5.1
5.0
2.4
2.0
53.6
60.5
3.4
3.3
2.8
4.6
Liquidity
25.5
22.4
64.9
50.9
8.1
9.8
Profitability
0.5
1.2
6.0
13.6
0.6
1.5
2.6
3.3
49.5
63.1
1.5
0.9
3.1
2.5
38.6
56.5
46.8
35.2
II-105
$UDS7UN%DQNDVÕ$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
3
5
5
5
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
263
262
0
0
262
5
4
0
6
0
6
0
0
0
0
0
24
24
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
1
0
1
0
1
0
1
0
4
291
67
67
35
0
0
32
0
0
0
0
0
412
0
0
0
0
0
0
0
0
202
202
31
0
172
0
0
0
90
79
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
294
71
71
40
0
0
32
0
0
0
0
0
414
0
0
0
0
0
0
0
0
465
465
31
0
434
5
4
0
96
80
17
0
0
0
0
0
24
24
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
1
0
1
0
1
0
1
0
5
21.3
5.2
5.2
2.9
0.0
0.0
2.3
0.0
0.0
0.0
0.0
0.0
30.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
33.8
33.7
2.2
0.0
31.5
0.3
0.3
0.0
7.0
5.8
1.2
0.0
0.0
0.0
0.0
0.0
1.7
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.0
0.3
3
19
19
14
0
0
4
0
0
0
0
0
0
12
0
0
12
0
0
0
0
285
284
0
0
284
6
6
0
11
11
0
0
0
0
0
0
28
28
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
1
0
1
0
1
0
1
0
5
149
51
51
10
0
0
41
0
0
0
0
0
670
0
0
0
0
0
0
0
0
301
301
16
0
285
0
0
0
50
39
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
152
70
70
25
0
0
45
0
0
0
0
0
670
12
0
0
12
0
0
0
0
586
586
16
0
570
6
6
0
61
50
11
0
0
0
0
0
28
28
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
1
0
1
0
1
0
1
0
7
9.5
4.4
4.4
1.5
0.0
0.0
2.8
0.0
0.0
0.0
0.0
0.0
41.9
0.7
0.0
0.0
0.7
0.0
0.0
0.0
0.0
36.7
36.7
1.0
0.0
35.7
0.4
0.4
0.0
3.8
3.1
0.7
0.0
0.0
0.0
0.0
0.0
1.8
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.1
0.0
0.1
0.0
0.1
0.0
0.1
0.0
0.4
Total Assets
315
1,064
1,379
100.0
373
1,224
1,597
100.0
II-106
December 2015
$UDS7UN%DQNDVÕ$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
21
0
21
0
1
1
0
0
1
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
13
7
0
3
0
3
4
4
0
0
0
206
151
-1
0
0
0
0
0
0
0
0
0
-1
5
5
0
0
0
51
27
24
1,126
850
276
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,147
850
297
0
1
1
0
0
1
0
0
0
0
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
14
7
0
3
0
4
4
4
0
0
0
206
151
-1
0
0
0
0
0
0
0
0
0
-1
5
5
0
0
0
51
27
24
83.2
61.6
21.6
0.0
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.5
0.0
0.2
0.0
0.3
0.3
0.3
0.0
0.0
0.0
15.0
10.9
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
0.4
0.4
0.0
0.0
0.0
3.7
2.0
1.7
22
0
22
0
3
1
0
0
1
0
0
0
0
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
16
8
0
4
0
4
3
3
0
0
0
229
189
-1
0
0
0
0
0
0
0
0
0
-1
5
5
0
0
0
35
5
30
1,313
890
424
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,336
890
446
0
3
1
0
0
1
0
0
0
0
0
0
0
1
8
0
0
0
0
0
0
0
0
0
0
17
8
0
4
0
5
3
3
0
0
0
229
189
-1
0
0
0
0
0
0
0
0
0
-1
5
5
0
0
0
35
5
30
83.6
55.7
27.9
0.0
0.2
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.5
0.0
0.2
0.0
0.3
0.2
0.2
0.0
0.0
0.0
14.3
11.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
2.2
0.3
1.9
Total Liabilities
250
1,128
1,379
100.0
279
1,318
1,597
100.0
II-107
$UDS7UN%DQNDVÕ$ù
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
67
66
0
0
0
0
1
2
2
0
15
0
15
115
81
34
0
743
576
0
97
0
0
69
15
15
0
15
0
15
108
3
105
0
810
642
0
97
0
0
70
18
18
0
30
0
30
222
84
138
0
76
76
0
0
0
0
0
3
3
0
32
0
32
142
102
39
0
893
653
1
174
0
0
65
31
31
0
32
0
32
132
10
122
0
969
729
1
174
0
0
66
34
34
0
63
0
63
273
112
161
0
199
881
1,080
252
1,087
1,339
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
47
30
0
8
0
8
0
10
10
0
0
0
0
37
17
17
0
2
-1
0
-1
0
1
56
3
2
0
24
16
30
0
0
0
30
-6
24
0
0
0
59
38
0
12
0
9
0
12
12
0
0
0
0
47
21
21
0
2
0
0
0
1
2
72
7
2
0
27
18
38
0
0
0
38
-8
30
0
0
0
Net Profit/Losses
24
30
II-108
December 2015
$UDS7UN%DQNDVÕ$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
18.6
15.8
15.0
14.3
12.6
11.9
-5.1
-13.7
2.1
0.2
22.8
23.4
18.2
17.5
94.3
92.9
1.9
1.7
56.5
48.6
83.2
83.6
0.1
0.2
Assets Quality
12.2
8.2
33.8
36.7
40.6
43.9
1.0
1.1
0.1
0.1
85.3
87.6
2.3
2.5
0.1
0.1
Liquidity
56.5
56.6
116.5
148.1
0.7
2.1
Profitability
1.7
1.9
11.6
13.2
2.2
2.4
2.5
2.8
62.0
62.0
1.4
1.6
1.7
1.7
69.4
68.3
81.7
93.2
II-109
Bank Mellat
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1
0
0
0
0
0
0
0
0
0
0
0
12
2
2
0
0
52
0
50
2
3
2
0
0
2
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
14
0
0
0
0
0
0
0
0
0
0
0
28
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15
0
0
0
0
0
0
0
0
0
0
0
40
2
2
0
0
52
0
50
2
4
2
0
0
2
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
13.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
34.1
2.1
2.1
0.0
0.0
44.7
0.2
43.0
1.4
3.1
1.8
0.0
0.0
1.7
2.2
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
0.3
1
0
0
0
0
0
0
0
0
0
0
0
14
3
3
0
0
61
0
56
5
5
3
0
0
3
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
0
23
0
0
0
0
0
0
0
0
0
0
0
29
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
25
0
0
0
0
0
0
0
0
0
0
0
43
3
3
0
0
61
0
56
5
5
3
0
0
3
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
1
17.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
30.4
1.8
1.8
0.0
0.0
43.6
0.3
40.0
3.2
3.3
1.9
0.0
0.0
1.9
2.4
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
0.6
Total Assets
74
43
117
100.0
88
52
140
100.0
II-110
Bank Mellat
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
7
4
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
0
0
0
0
0
0
0
71
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
13
4
35
25
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
43
29
14
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
0
0
0
0
0
0
71
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
13
4
36.7
24.6
12.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.7
0.0
0.5
0.0
0.1
0.2
0.2
0.0
0.0
0.0
61.1
46.1
-0.3
0.0
0.0
-0.2
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
0.4
0.0
0.0
0.4
0.0
14.9
11.6
3.4
7
5
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
0
0
0
0
0
0
0
85
67
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
0
17
14
3
45
28
17
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52
33
19
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
2
1
0
1
0
0
0
0
0
0
0
85
67
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
0
17
14
3
36.9
23.3
13.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.6
0.0
0.4
0.0
0.1
0.2
0.2
0.0
0.0
0.0
60.7
48.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.4
0.0
12.1
10.0
2.1
Total Liabilities
80
36
117
100.0
94
46
140
100.0
II-111
Bank Mellat
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
1
1
0
0
0
0
0
0
0
0
0
0
0
26
0
5
21
0
0
0
0
0
0
0
0
0
0
0
0
0
359
0
59
300
1
1
0
0
0
0
0
0
0
0
0
0
0
385
0
64
321
3
3
0
0
0
0
0
0
0
0
0
0
0
21
0
8
12
1
1
0
0
0
0
0
0
0
0
0
0
0
392
0
60
332
4
4
0
0
0
0
0
0
0
0
0
0
0
412
0
68
344
27
359
387
24
393
417
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-112
Dec. 2014
7
1
0
1
0
4
0
0
0
0
0
0
0
7
0
0
0
0
1
0
0
1
0
8
0
0
0
3
2
5
0
0
0
5
-1
4
0
0
0
7
1
0
1
0
5
0
0
0
0
0
0
0
7
1
1
0
0
0
0
0
0
0
8
0
0
0
4
2
4
0
0
0
4
-1
3
0
0
0
4
3
Bank Mellat
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
95.6
80.0
61.1
60.7
57.3
56.6
10.4
8.4
10.4
8.4
63.2
62.6
68.9
67.2
118.6
114.1
17.4
13.7
86.4
100.0
36.7
36.9
0.0
0.0
Assets Quality
44.7
43.6
3.1
3.3
8.4
9.0
72.8
71.9
42.6
43.2
41.5
39.9
3.8
4.0
3.0
2.0
Liquidity
93.9
93.3
310.0
275.0
57.6
56.3
3.4
2.1
5.5
3.5
4.2
2.7
Profitability
5.7
4.3
82.4
77.7
1.2
0.9
2.7
2.5
67.9
68.6
44.6
36.2
II-113
%DQNRI7RN\R0LWVXELVKL8)-7XUNH\$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1
0
0
0
0
0
0
0
0
0
0
0
158
0
0
0
0
0
0
0
0
466
466
0
0
466
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
12
0
12
0
0
0
0
0
1
402
12
12
0
0
12
0
0
0
0
0
0
314
0
0
0
0
0
0
0
0
574
574
0
0
574
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
403
12
12
0
0
12
0
0
0
0
0
0
472
0
0
0
0
0
0
0
0
1,040
1,040
0
0
1,040
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
12
0
12
0
0
0
0
0
1
20.8
0.6
0.6
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
24.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
53.5
53.5
0.0
0.0
53.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.6
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.1
8
0
0
0
0
0
0
0
0
0
0
0
236
0
0
0
0
0
0
0
0
220
220
0
0
220
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
20
0
20
0
1
1
0
0
0
225
5
5
0
0
5
0
0
0
0
0
0
375
0
0
0
0
0
0
0
0
295
295
0
0
295
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
233
6
6
0
0
6
0
0
0
0
0
0
611
0
0
0
0
0
0
0
0
514
514
0
0
514
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
20
0
20
0
1
1
0
0
0
16.8
0.4
0.4
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
44.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37.1
37.1
0.0
0.0
37.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.4
0.0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
Total Assets
640
1,302
1,942
100.0
487
900
1,388
100.0
II-114
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
20
0
20
0
1
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
6
5
0
1
0
0
3
2
1
0
0
188
181
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
2
5
319
302
17
7
1,376
0
0
0
0
0
0
0
0
0
0
0
18
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
339
302
38
8
1,377
0
0
0
0
0
0
0
0
0
0
0
20
1
0
0
0
0
0
0
0
0
0
0
6
5
0
1
0
0
3
2
1
0
0
188
181
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
2
5
17.5
15.5
1.9
0.4
70.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
0.0
0.2
0.1
0.1
0.0
0.0
9.7
9.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.1
0.3
37
0
37
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
4
0
1
0
0
2
0
2
0
0
229
227
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
52
36
16
0
1,061
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
89
36
53
1
1,062
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
4
0
1
0
0
2
0
2
0
0
229
227
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
6.4
2.6
3.8
0.1
76.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.1
0.0
0.0
0.1
0.0
0.1
0.0
0.0
16.5
16.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.0
Total Liabilities
221
1,721
1,942
100.0
275
1,113
1,388
100.0
II-115
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
3
3
0
0
0
0
0
0
0
0
478
0
478
0
0
0
0
26
25
0
0
0
0
1
6
6
0
988
0
988
156
0
0
156
29
28
0
0
0
0
1
6
6
0
1,466
0
1,466
156
0
0
156
1
1
0
0
0
0
0
0
0
0
451
0
451
0
0
0
0
2
1
0
0
0
0
1
0
0
0
454
0
454
161
0
0
161
3
2
0
0
0
0
1
0
0
0
905
0
905
161
0
0
161
481
1,175
1,656
453
616
1,069
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-116
Dec. 2014
44
29
0
15
0
0
0
6
4
2
0
0
0
38
-1
0
1
0
-12
0
19
-31
1
26
3
0
3
17
5
7
0
0
0
7
-2
5
0
0
0
27
9
0
18
0
0
0
2
1
1
0
0
0
25
0
0
0
0
-2
0
3
-5
0
23
4
0
4
18
6
1
0
0
0
1
-1
0
0
0
0
5
0
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.1
21.8
9.7
16.5
9.0
14.9
-218.7
-90.0
-0.4
-0.1
32.9
35.1
11.4
19.8
75.6
80.9
6.0
41.6
44.8
42.7
17.5
6.4
70.9
76.5
Assets Quality
0.6
0.4
53.5
37.1
306.3
578.9
0.0
0.0
0.0
0.0
-
-
0.7
1.7
0.0
0.0
Liquidity
45.7
61.2
92.3
106.3
8.2
17.6
0.3
0.0
2.8
0.2
0.4
0.1
Profitability
2.0
1.8
143.7
107.1
-0.6
-0.1
0.9
1.3
32.3
31.9
-69.5
-9.0
II-117
%XUJDQ%DQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
51
16
16
2
0
13
1
0
0
0
0
0
30
0
0
0
0
92
2
89
1
1,277
1,246
0
0
1,246
72
41
0
0
0
0
0
0
0
0
0
78
78
0
0
0
0
0
0
0
0
0
0
0
14
0
14
0
20
15
0
15
0
0
0
0
2
25
324
13
13
1
0
12
0
0
0
0
0
0
37
0
0
0
0
130
0
96
34
1,528
1,528
0
0
1,528
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
375
29
29
3
0
25
1
0
0
0
0
0
67
0
0
0
0
223
2
185
36
2,805
2,774
0
0
2,774
72
41
1
0
0
0
0
0
0
0
0
78
78
0
0
0
0
0
0
0
0
0
0
0
14
0
14
0
20
15
0
15
0
0
0
0
2
30
10.2
0.8
0.8
0.1
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.0
6.1
0.1
5.0
1.0
76.7
75.8
0.0
0.0
75.8
2.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.4
0.0
0.5
0.4
0.0
0.4
0.0
0.0
0.0
0.0
0.1
0.8
104
44
44
21
0
23
1
0
0
0
0
0
31
0
0
0
0
290
3
287
0
1,521
1,492
1
0
1,491
56
27
7
0
0
0
0
0
0
0
0
87
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
18
0
18
0
5
0
5
5
32
228
20
20
0
0
20
0
0
0
0
0
0
23
0
0
0
0
20
0
0
20
1,251
1,251
0
0
1,251
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26
332
64
64
21
0
42
1
0
0
0
0
0
54
0
0
0
0
310
3
287
20
2,771
2,742
1
0
2,742
56
27
8
0
0
0
0
0
0
0
0
87
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
18
0
18
0
5
0
5
5
58
8.9
1.7
1.7
0.6
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.0
0.0
0.0
0.0
8.3
0.1
7.7
0.5
74.3
73.6
0.0
0.0
73.5
1.5
0.7
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.3
2.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.5
0.0
0.5
0.0
0.1
0.0
0.1
0.1
1.6
Total Assets
1,621
2,037
3,658
100.0
2,160
1,567
3,728
100.0
II-118
December 2015
%XUJDQ%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
643
3
640
16
13
45
0
0
45
0
0
0
0
0
0
0
13
28
0
0
0
0
0
0
5
0
5
0
27
13
0
8
0
5
7
7
0
0
0
347
308
7
0
0
-1
5
0
0
0
3
0
-1
30
7
0
23
0
2
-16
18
1,651
34
1,617
10
579
91
0
0
91
0
0
0
0
0
0
0
11
1
0
0
0
0
0
0
0
0
0
0
20
13
0
0
0
7
0
0
0
0
150
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,295
37
2,257
26
592
136
0
0
136
0
0
0
0
0
0
0
24
29
0
0
0
0
0
0
5
0
5
0
47
27
0
8
0
12
7
7
0
0
150
347
308
7
0
0
-1
5
0
0
0
3
0
-1
30
7
0
23
0
2
-16
18
62.7
1.0
61.7
0.7
16.2
3.7
0.0
0.0
3.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.3
0.7
0.0
0.2
0.0
0.3
0.2
0.2
0.0
0.0
4.1
9.5
8.4
0.2
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.1
0.0
0.0
0.8
0.2
0.0
0.6
0.0
0.1
-0.4
0.5
934
6
928
8
23
136
0
3
133
0
0
0
0
0
0
0
26
39
0
0
0
0
0
0
0
0
0
0
28
17
0
9
0
3
7
7
0
0
0
403
387
5
0
0
0
6
0
0
0
0
0
-1
8
5
0
3
0
3
0
3
1,372
20
1,352
16
544
0
0
0
0
0
0
0
0
0
0
0
17
2
0
0
0
0
0
0
0
0
0
0
24
11
0
0
0
13
0
0
0
0
150
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,306
26
2,280
24
567
136
0
3
133
0
0
0
0
0
0
0
42
41
0
0
0
0
0
0
0
0
0
0
52
28
0
9
0
16
7
7
0
0
150
403
387
5
0
0
0
6
0
0
0
0
0
-1
8
5
0
3
0
3
0
3
61.9
0.7
61.2
0.6
15.2
3.7
0.0
0.1
3.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.7
0.0
0.2
0.0
0.4
0.2
0.2
0.0
0.0
4.0
10.8
10.4
0.1
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.0
0.1
0.0
0.1
0.0
0.1
1,145
2,513
3,658
100.0
1,603
2,124
3,728
100.0
II-119
%XUJDQ%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
TC
Dec. 2014
FC
Total
216
215
1
0
0
0
0
246
246
0
1,913
85
1,828
8,330
414
7,915
0
313
205
32
67
0
0
9
94
94
0
4,044
252
3,792
4,831
40
4,787
4
529
420
33
67
0
0
9
340
340
0
5,957
337
5,619
13,161
455
12,702
5
231
230
1
0
0
0
0
251
251
0
1,063
0
1,063
8,506
815
7,689
1
281
163
29
76
0
0
13
92
92
0
3,319
0
3,319
4,490
98
4,388
4
512
393
30
76
0
0
13
343
343
0
4,382
0
4,382
12,995
914
12,077
5
10,705
9,283
19,987
10,050
8,182
18,232
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-120
Dec. 2014
290
236
1
1
2
12
38
180
98
22
5
0
56
109
7
9
3
0
10
1
-2
10
5
130
30
22
3
82
44
19
0
4
0
22
-4
18
0
0
0
268
220
0
0
1
28
18
173
102
21
15
0
36
95
8
13
5
2
11
1
0
10
4
121
29
19
7
88
47
5
0
0
0
5
-2
3
0
0
0
18
3
December 2015
%XUJDQ%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
16.0
17.7
9.5
10.8
5.5
6.7
-53.8
-66.7
3.1
-2.9
44.3
58.0
31.3
43.0
81.1
73.8
28.0
40.5
45.5
54.9
62.7
61.9
16.2
15.2
7.3
10.0
Assets Quality
76.7
74.3
122.3
120.2
2.6
2.0
1.1
1.0
56.6
48.5
4.0
4.1
1.7
1.8
Liquidity
19.0
20.4
42.0
46.3
5.2
12.6
0.5
0.1
5.2
0.7
0.6
0.1
Profitability
2.4
2.1
67.0
62.9
0.6
0.7
2.2
2.4
54.0
53.0
25.4
29.5
II-121
&LWLEDQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
195
37
37
22
0
15
0
0
0
0
0
0
681
0
0
0
0
345
0
345
0
867
864
0
0
863
28
25
104
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
5
0
5
0
27
188
3
3
0
0
3
0
0
0
0
0
0
8
0
0
0
0
0
0
0
0
399
399
0
0
399
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
383
40
40
22
0
18
0
0
0
0
0
0
689
0
0
0
0
345
0
345
0
1,266
1,263
0
0
1,263
28
25
104
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1
0
1
0
5
0
5
0
33
13.4
1.4
1.4
0.8
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
24.0
0.0
0.0
0.0
0.0
12.0
0.0
12.0
0.0
44.1
44.0
0.0
0.0
44.0
1.0
0.9
3.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
1.1
172
23
23
11
0
12
0
0
0
0
0
0
97
1,354
0
0
1,354
188
0
188
0
734
729
0
0
729
40
35
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
1
0
1
0
8
4
5
0
19
177
4
4
0
0
4
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
303
303
0
0
303
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
349
27
27
11
0
16
0
0
0
0
0
0
99
1,354
0
0
1,354
188
0
188
0
1,037
1,033
0
0
1,033
40
35
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
1
0
1
0
8
4
5
0
26
11.1
0.8
0.8
0.3
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
3.2
43.0
0.0
0.0
43.0
6.0
0.0
6.0
0.0
33.0
32.8
0.0
0.0
32.8
1.3
1.1
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.3
0.1
0.2
0.0
0.8
2,265
603
2,869
100.0
2,654
494
3,148
100.0
II-122
December 2015
&LWLEDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
1,159
47
1,112
14
4
92
0
0
92
0
0
0
0
0
0
0
0
29
0
0
0
0
0
0
0
0
0
0
22
12
0
8
0
2
6
6
0
0
0
429
12
78
0
0
-7
0
0
0
0
0
0
84
281
6
0
275
0
59
0
59
889
72
818
1
199
0
0
0
0
0
0
0
0
0
0
0
3
21
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,048
119
1,929
15
204
92
0
0
92
0
0
0
0
0
0
0
3
50
0
0
0
0
0
0
0
0
0
0
22
12
0
8
0
2
6
6
0
0
0
429
12
78
0
0
-7
0
0
0
0
0
0
84
281
6
0
275
0
59
0
59
71.4
4.1
67.3
0.5
7.1
3.2
0.0
0.0
3.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.4
0.0
0.3
0.0
0.1
0.2
0.2
0.0
0.0
0.0
14.9
0.4
2.7
0.0
0.0
-0.2
0.0
0.0
0.0
0.0
0.0
0.0
2.9
9.8
0.2
0.0
9.6
0.0
2.0
0.0
2.0
1,277
182
1,095
12
39
69
0
0
69
0
0
0
0
0
0
0
1
33
0
0
0
0
0
0
0
0
0
0
23
11
0
9
0
2
3
3
0
0
0
506
15
103
0
0
-3
0
0
0
0
0
0
106
325
8
0
317
0
64
0
64
717
92
625
6
450
0
0
0
0
0
0
0
0
0
0
0
8
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,994
274
1,720
17
489
69
0
0
69
0
0
0
0
0
0
0
8
38
0
0
0
0
0
0
0
0
0
0
23
11
0
9
0
2
3
3
0
0
0
506
15
103
0
0
-3
0
0
0
0
0
0
106
325
8
0
317
0
64
0
64
63.3
8.7
54.7
0.6
15.5
2.2
0.0
0.0
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.4
0.0
0.3
0.0
0.1
0.1
0.1
0.0
0.0
0.0
16.1
0.5
3.3
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
3.4
10.3
0.2
0.0
10.1
0.0
2.0
0.0
2.0
Total Liabilities
1,755
1,114
2,869
100.0
1,962
1,186
3,148
100.0
II-123
&LWLEDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
202
202
0
0
0
0
0
548
548
0
969
0
969
18,424
18,387
35
2
581
446
6
120
0
0
9
1,983
1,983
0
1,285
0
1,285
895
49
807
40
783
648
6
120
0
0
9
2,532
2,531
0
2,253
0
2,253
19,319
18,436
842
41
187
187
0
0
0
0
0
890
889
1
1,370
0
1,370
25,682
25,601
78
3
571
411
5
129
0
0
26
1,102
1,102
0
2,038
0
2,038
996
62
902
32
758
598
5
129
0
0
26
1,992
1,991
1
3,408
0
3,408
26,678
25,663
980
35
20,143
4,744
24,887
28,129
4,707
32,836
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-124
Dec. 2014
253
100
3
51
77
20
2
101
91
3
6
0
0
152
25
37
12
0
-27
7
4
-38
26
176
4
1
3
97
33
76
0
0
0
76
-17
59
0
0
0
304
81
0
31
163
25
4
78
69
4
4
0
0
226
24
40
16
0
-91
5
0
-96
36
195
2
0
2
107
37
86
0
0
0
86
-22
64
0
0
0
59
64
December 2015
&LWLEDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
17.6
23.3
14.9
16.1
14.7
15.8
-74.0
-101.7
-2.8
0.2
79.0
84.3
61.2
62.3
54.2
41.6
56.6
64.0
68.5
70.8
71.4
63.3
7.1
15.5
Assets Quality
13.4
6.8
44.1
33.0
61.8
52.0
2.2
3.9
0.2
0.5
90.3
87.9
0.2
0.3
0.0
0.0
Liquidity
50.8
64.1
64.4
87.4
43.9
58.3
Profitability
2.0
2.0
13.7
12.6
2.6
2.7
5.3
7.2
85.7
115.8
0.8
-1.0
3.4
3.4
34.5
34.7
25.1
-29.1
II-125
'HQL]EDQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
410
306
306
5
0
301
0
0
0
0
0
0
7
411
0
0
411
2,468
1
2,467
0
14,576
14,327
28
0
14,298
919
669
0
985
985
0
3
0
3
0
3
241
239
2
1
0
1
0
1
0
0
0
0
0
0
0
0
0
137
59
0
58
0
29
0
29
0
310
3,277
76
76
3
0
73
0
0
0
0
0
0
754
0
0
0
0
453
37
416
0
3,020
3,020
3
0
3,017
0
0
0
126
126
0
0
0
0
0
0
1,109
1,109
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
101
3,687
383
383
8
0
375
0
0
0
0
0
0
761
411
0
0
411
2,921
39
2,883
0
17,597
17,347
31
0
17,316
919
669
0
1,111
1,111
0
3
0
3
0
3
1,350
1,348
2
1
0
1
0
1
0
0
0
0
0
0
0
0
0
137
59
0
58
0
29
0
29
0
411
12.8
1.3
1.3
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
2.6
1.4
0.0
0.0
1.4
10.1
0.1
10.0
0.0
61.0
60.1
0.1
0.0
60.0
3.2
2.3
0.0
3.8
3.8
0.0
0.0
0.0
0.0
0.0
0.0
4.7
4.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
1.4
361
123
123
44
0
79
0
0
0
0
0
0
184
417
0
0
417
2,765
2
2,763
0
15,287
15,065
0
0
15,065
726
503
0
1,172
1,172
0
4
0
4
0
4
195
193
2
1
0
1
0
1
0
0
0
0
0
0
0
0
0
175
63
0
63
0
41
0
41
0
332
3,679
334
334
2
0
331
0
0
0
0
0
0
566
0
0
0
0
111
0
85
26
3,234
3,234
3
0
3,231
0
0
0
127
126
2
0
0
0
0
0
473
473
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
214
4,040
457
457
47
0
410
0
0
0
0
0
0
750
417
0
0
417
2,875
2
2,848
26
18,521
18,298
3
0
18,296
726
503
0
1,299
1,298
2
4
0
4
0
4
668
666
2
1
0
1
0
1
0
0
0
0
0
0
0
0
0
175
63
0
63
0
41
0
41
0
546
13.5
1.5
1.5
0.2
0.0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
2.5
1.4
0.0
0.0
1.4
9.6
0.0
9.5
0.1
62.0
61.3
0.0
0.0
61.3
2.4
1.7
0.0
4.4
4.3
0.0
0.0
0.0
0.0
0.0
0.0
2.2
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
1.8
Total Assets
19,945
8,916
28,861
100.0
21,119
8,738
29,857
100.0
II-126
December 2015
'HQL]EDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
8,943
78
8,865
114
67
2,462
0
247
2,215
432
209
191
32
0
0
0
390
334
0
9
11
0
0
2
0
0
0
0
408
337
0
32
0
39
51
51
0
0
0
2,820
622
-173
0
0
-179
39
0
0
0
-40
0
7
1,575
49
0
1,466
60
795
533
261
7,022
264
6,758
84
3,600
0
0
0
0
0
0
0
0
0
0
0
173
274
0
0
0
0
0
0
0
0
0
0
5
0
0
0
0
5
0
0
0
0
1,661
14
0
14
0
0
14
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,965
342
15,623
198
3,666
2,462
0
247
2,215
432
209
191
32
0
0
0
563
608
0
9
11
0
0
2
0
0
0
0
413
337
0
32
0
44
51
51
0
0
1,661
2,834
622
-159
0
0
-164
39
0
0
0
-40
0
7
1,575
49
0
1,466
60
795
533
261
55.3
1.2
54.1
0.7
12.7
8.5
0.0
0.9
7.7
1.5
0.7
0.7
0.1
0.0
0.0
0.0
2.0
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
1.2
0.0
0.1
0.0
0.2
0.2
0.2
0.0
0.0
5.8
9.8
2.2
-0.5
0.0
0.0
-0.6
0.1
0.0
0.0
0.0
-0.1
0.0
0.0
5.5
0.2
0.0
5.1
0.2
2.8
1.8
0.9
10,719
320
10,399
43
337
1,160
0
0
1,160
697
369
244
84
0
0
0
414
374
0
8
10
0
0
2
0
0
0
0
449
353
0
38
0
59
111
111
0
0
0
2,452
308
198
42
0
-53
132
0
0
0
-4
0
81
1,696
62
0
1,625
9
249
6
243
7,804
394
7,409
254
2,890
0
0
0
0
0
0
0
0
0
0
0
166
295
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
9
0
0
0
0
1,686
-10
0
-10
0
0
-10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,523
714
17,809
296
3,227
1,160
0
0
1,160
697
369
244
84
0
0
0
580
669
0
8
10
0
0
2
0
0
0
0
458
353
0
38
0
68
111
111
0
0
1,686
2,442
308
189
42
0
-62
132
0
0
0
-4
0
81
1,696
62
0
1,625
9
249
6
243
62.0
2.4
59.6
1.0
10.8
3.9
0.0
0.0
3.9
2.3
1.2
0.8
0.3
0.0
0.0
0.0
1.9
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
1.2
0.0
0.1
0.0
0.2
0.4
0.4
0.0
0.0
5.6
8.2
1.0
0.6
0.1
0.0
-0.2
0.4
0.0
0.0
0.0
0.0
0.0
0.3
5.7
0.2
0.0
5.4
0.0
0.8
0.0
0.8
16,028
12,833
28,861
100.0
16,764
13,093
29,857
100.0
II-127
'HQL]EDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
3,036
3,028
4
3
0
0
1
8,210
6,787
1,423
6,239
0
6,239
106,449
20,169
86,138
142
5,283
3,835
62
780
0
0
605
1,431
1,431
0
23,364
0
23,364
25,198
593
24,304
301
8,319
6,863
67
783
0
0
606
9,641
8,217
1,423
29,603
0
29,603
131,648
20,763
110,442
443
3,295
3,287
5
1
0
0
2
10,435
8,991
1,444
6,143
0
6,143
100,065
14,428
85,455
182
5,482
3,689
45
1,082
0
0
667
1,703
1,703
0
21,801
0
21,801
26,457
818
24,558
1,081
8,776
6,976
49
1,083
0
0
668
12,139
10,694
1,444
27,944
0
27,944
126,522
15,247
110,013
1,263
123,935
55,275
179,210
119,938
55,443
175,381
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-128
Dec. 2014
2,332
1,985
8
4
0
316
19
1,251
923
163
108
48
9
1,081
356
475
118
1
-253
7
373
-634
162
1,347
417
328
56
812
376
118
0
181
0
299
-37
261
0
0
0
2,468
2,074
0
18
31
324
21
1,220
916
182
50
65
6
1,249
408
541
133
22
-277
11
-169
-119
196
1,597
381
313
48
946
434
271
0
0
0
271
-61
210
34
0
34
261
243
December 2015
'HQL]EDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
16.1
14.1
9.8
8.2
3.6
4.4
-102.4
-132.5
6.3
-12.5
69.1
70.7
55.5
56.1
69.5
66.7
56.0
57.9
82.8
82.5
55.3
62.0
12.7
10.8
Assets Quality
15.3
15.5
61.0
62.0
110.2
100.0
5.2
3.9
1.4
1.2
72.8
69.4
6.2
3.8
31.9
35.2
Liquidity
28.3
28.6
51.3
51.4
12.5
12.9
Profitability
0.9
0.8
9.2
10.0
1.0
0.9
2.6
3.1
55.9
58.6
0.9
1.2
2.8
3.2
46.3
45.9
32.8
36.9
II-129
'HXWVFKH%DQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
7
118
118
118
0
0
0
0
0
0
0
0
120
0
0
0
0
0
0
0
0
359
359
0
0
359
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
5
0
5
0
0
0
0
0
3
165
4
4
0
0
4
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
239
239
0
0
239
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
173
122
122
118
0
4
0
0
0
0
0
0
123
0
0
0
0
0
0
0
0
597
597
0
0
597
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
5
0
5
0
0
0
0
0
12
16.7
11.8
11.8
11.5
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
11.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
57.9
57.9
0.0
0.0
57.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.4
0.0
0.4
0.0
0.0
0.0
0.0
0.0
1.2
20
248
248
248
0
0
0
0
0
0
0
0
9
236
0
0
236
0
0
0
0
237
237
0
0
237
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
9
0
9
0
0
0
0
0
4
210
1
1
0
0
1
0
0
0
0
0
0
6
0
0
0
0
0
0
0
0
232
232
0
0
232
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
42
229
250
250
248
0
1
0
0
0
0
0
0
15
236
0
0
236
0
0
0
0
469
469
0
0
469
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
9
0
9
0
0
0
0
0
46
18.3
19.9
19.9
19.8
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
1.2
18.8
0.0
0.0
18.8
0.0
0.0
0.0
0.0
37.3
37.3
0.0
0.0
37.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.7
0.0
0.7
0.0
0.0
0.0
0.0
0.0
3.7
Total Assets
613
420
1,032
100.0
765
490
1,256
100.0
II-130
December 2015
'HXWVFKH%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
158
26
132
0
174
34
0
0
34
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
10
6
0
4
0
0
3
3
0
0
0
175
46
11
0
0
0
0
0
0
0
0
0
11
93
23
0
70
0
25
0
25
50
0
50
4
417
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
5
0
0
2
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
208
26
182
4
591
34
0
0
34
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
0
15
6
0
6
0
3
3
3
0
0
0
175
46
11
0
0
0
0
0
0
0
0
0
11
93
23
0
70
0
25
0
25
20.1
2.6
17.6
0.3
57.2
3.3
0.0
0.0
3.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.6
0.0
0.5
0.0
0.3
0.3
0.3
0.0
0.0
0.0
17.0
4.5
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
9.0
2.3
0.0
6.7
0.0
2.4
0.0
2.4
175
15
160
0
302
13
0
0
13
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
13
8
0
5
0
0
3
2
1
0
0
218
58
14
0
0
0
0
0
0
0
0
0
14
112
25
0
87
0
35
0
35
117
0
117
1
402
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
8
0
0
3
0
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
293
15
278
1
704
13
0
0
13
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
21
8
0
7
0
6
3
2
1
0
0
218
58
14
0
0
0
0
0
0
0
0
0
14
112
25
0
87
0
35
0
35
23.3
1.2
22.1
0.1
56.1
1.1
0.0
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.6
0.0
0.6
0.0
0.4
0.2
0.2
0.1
0.0
0.0
17.4
4.6
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
8.9
2.0
0.0
6.9
0.0
2.8
0.0
2.8
Total Liabilities
554
478
1,032
100.0
725
531
1,256
100.0
II-131
'HXWVFKH%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
14
14
0
0
0
0
0
365
365
0
219
0
219
15,115
15,115
0
0
79
66
0
11
0
0
3
22
22
0
697
0
697
10
10
0
0
94
80
0
11
0
0
3
387
387
0
916
0
916
15,126
15,126
0
0
13
13
0
0
0
0
0
682
459
223
128
0
128
21,148
21,148
0
0
79
68
0
6
0
0
5
510
201
310
518
0
518
13
13
0
0
92
81
0
6
0
0
5
1,193
660
533
646
0
646
21,161
21,161
0
0
15,714
809
16,522
21,971
1,120
23,091
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-132
Dec. 2014
64
30
0
5
14
15
0
22
5
15
2
0
0
42
15
19
4
0
2
6
9
-13
5
65
0
0
0
34
11
31
0
0
0
31
-6
25
0
0
0
96
33
0
6
32
25
0
33
6
25
1
0
0
63
20
25
6
0
1
17
-39
23
5
89
2
0
2
43
13
44
0
0
0
44
-9
35
0
0
0
25
35
December 2015
'HXWVFKH%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
20.7
28.4
17.0
17.4
16.4
16.6
5.1
12.5
7.7
7.8
59.3
60.9
53.7
57.7
87.8
92.4
76.0
59.8
60.0
50.6
20.1
23.3
57.2
56.1
Assets Quality
11.8
19.9
57.9
37.3
287.3
160.2
0.0
0.0
0.0
0.0
-
-
0.5
0.8
0.0
0.0
Liquidity
40.4
58.2
122.6
114.0
23.8
40.9
Profitability
2.4
2.8
14.2
15.9
3.0
3.5
4.1
5.0
65.1
71.1
2.2
2.0
3.3
3.4
32.8
30.1
66.8
59.4
II-133
)LQDQV%DQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
716
706
690
8
0
682
0
16
0
0
16
0
3
0
0
0
0
1,159
1
1,158
0
16,194
15,939
33
0
15,906
1,302
1,047
0
1,031
1,031
0
1
0
1
0
1
118
111
6
33
0
33
32
1
0
0
0
0
0
1,103
785
318
0
540
90
0
90
0
27
0
27
0
335
2,710
87
87
2
0
85
0
0
0
0
0
0
105
0
0
0
0
655
0
644
11
3,416
3,416
20
0
3,396
0
0
0
296
38
258
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
6
0
0
0
0
0
0
0
0
0
0
0
45
3,426
793
776
10
0
767
0
16
0
0
16
0
108
0
0
0
0
1,815
1
1,802
11
19,611
19,356
53
0
19,302
1,302
1,047
0
1,328
1,069
258
1
0
1
0
1
118
111
6
33
0
33
32
1
0
0
0
0
0
1,110
792
318
0
540
90
0
90
0
27
0
27
0
379
11.7
2.7
2.6
0.0
0.0
2.6
0.0
0.1
0.0
0.0
0.1
0.0
0.4
0.0
0.0
0.0
0.0
6.2
0.0
6.1
0.0
66.8
65.9
0.2
0.0
65.7
4.4
3.6
0.0
4.5
3.6
0.9
0.0
0.0
0.0
0.0
0.0
0.4
0.4
0.0
0.1
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
3.8
2.7
1.1
0.0
1.8
0.3
0.0
0.3
0.0
0.1
0.0
0.1
0.0
1.3
646
517
475
1
0
474
0
42
0
0
42
0
8
86
0
0
86
1,700
0
1,686
14
18,426
18,182
51
0
18,130
1,174
930
0
1,312
1,312
0
2
0
2
0
2
191
183
8
80
0
80
79
1
0
0
0
0
0
845
627
218
0
632
96
0
96
0
22
0
22
22
351
3,077
66
66
1
0
65
0
0
0
0
0
0
96
0
0
0
0
635
0
621
14
3,168
3,168
17
0
3,151
0
0
0
290
39
251
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
10
0
0
0
0
0
0
0
0
0
0
0
43
3,723
583
541
2
0
539
0
42
0
0
42
0
105
86
0
0
86
2,335
0
2,307
28
21,594
21,349
68
0
21,281
1,174
930
0
1,602
1,351
251
2
0
2
0
2
191
183
8
80
0
80
79
1
0
0
0
0
0
855
637
218
0
632
96
0
96
0
22
0
22
22
394
11.5
1.8
1.7
0.0
0.0
1.7
0.0
0.1
0.0
0.0
0.1
0.0
0.3
0.3
0.0
0.0
0.3
7.2
0.0
7.1
0.1
66.8
66.1
0.2
0.0
65.8
3.6
2.9
0.0
5.0
4.2
0.8
0.0
0.0
0.0
0.0
0.0
0.6
0.6
0.0
0.2
0.0
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
2.6
2.0
0.7
0.0
2.0
0.3
0.0
0.3
0.0
0.1
0.0
0.1
0.1
1.2
Total Assets
22,057
7,321
29,378
100.0
24,936
7,385
32,320
100.0
II-134
December 2015
)LQDQV%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
9,895
104
9,791
645
37
953
0
0
953
183
183
0
0
0
0
0
700
338
0
0
0
0
0
0
21
0
21
0
603
408
0
81
0
114
19
19
0
0
0
3,153
1,028
62
0
0
48
0
0
0
1
28
0
-15
1,821
140
0
1,681
0
242
0
242
6,748
75
6,673
94
1,896
637
0
0
637
1,302
0
0
1,302
0
0
0
1,171
53
0
0
0
0
0
0
76
61
15
0
0
0
0
0
0
0
0
0
0
0
912
-61
0
-61
0
0
-61
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,643
180
16,463
739
1,933
1,590
0
0
1,590
1,486
183
0
1,302
0
0
0
1,871
391
0
1
1
0
0
0
97
61
36
0
603
408
0
81
0
114
19
19
0
0
912
3,092
1,028
1
0
0
-13
0
0
0
1
28
0
-15
1,821
140
0
1,681
0
242
0
242
56.7
0.6
56.0
2.5
6.6
5.4
0.0
0.0
5.4
5.1
0.6
0.0
4.4
0.0
0.0
0.0
6.4
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.2
0.1
0.0
2.1
1.4
0.0
0.3
0.0
0.4
0.1
0.1
0.0
0.0
3.1
10.5
3.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
-0.1
6.2
0.5
0.0
5.7
0.0
0.8
0.0
0.8
11,707
122
11,585
470
50
1,167
0
0
1,167
953
847
0
106
0
0
0
700
394
0
1
1
0
0
0
87
30
56
0
618
405
0
86
0
127
73
73
0
0
0
3,709
1,218
136
0
0
173
0
0
0
1
-17
0
-21
1,978
157
0
1,821
0
377
0
377
6,375
57
6,318
69
2,055
615
0
0
615
1,356
113
0
1,243
0
0
0
917
52
0
1
1
0
0
0
64
64
0
0
0
0
0
0
0
0
0
0
0
0
912
-24
0
-24
0
0
-24
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,082
179
17,903
539
2,105
1,782
0
0
1,782
2,309
960
0
1,349
0
0
0
1,617
446
0
1
1
0
0
0
151
95
56
0
618
405
0
86
0
127
73
73
0
0
912
3,685
1,218
112
0
0
148
0
0
0
1
-17
0
-21
1,978
157
0
1,821
0
377
0
377
55.9
0.6
55.4
1.7
6.5
5.5
0.0
0.0
5.5
7.1
3.0
0.0
4.2
0.0
0.0
0.0
5.0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.3
0.2
0.0
1.9
1.3
0.0
0.3
0.0
0.4
0.2
0.2
0.0
0.0
2.8
11.4
3.8
0.3
0.0
0.0
0.5
0.0
0.0
0.0
0.0
-0.1
0.0
-0.1
6.1
0.5
0.0
5.6
0.0
1.2
0.0
1.2
16,549
12,829
29,378
100.0
19,929
12,391
32,320
100.0
II-135
)LQDQV%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
2,059
2,050
8
2
0
0
0
12,004
11,627
377
20,560
5,103
15,457
156,359
2,663
93,907
59,789
1,531
1,044
265
221
0
0
0
249
227
22
32,297
7,451
24,846
28,216
601
15,361
12,254
3,590
3,094
273
223
0
0
0
12,254
11,855
399
52,857
12,554
40,302
184,575
3,263
109,268
72,043
2,241
2,237
4
0
0
0
0
12,511
12,467
45
23,458
5,740
17,718
171,409
3,041
100,870
67,498
1,696
949
388
349
0
0
9
1,017
820
197
32,110
7,148
24,962
29,682
658
13,627
15,397
3,937
3,187
392
349
0
0
9
13,528
13,286
242
55,569
12,889
42,680
201,091
3,699
114,498
82,895
190,983
62,293
253,275
209,620
64,505
274,125
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-136
Dec. 2014
2,604
2,293
8
1
44
257
1
1,251
970
88
71
120
3
1,353
450
541
91
22
-254
9
-227
-35
77
1,648
401
306
85
938
357
309
0
0
0
309
-68
242
0
0
0
2,792
2,406
0
1
18
365
1
1,464
1,145
87
95
136
2
1,327
573
669
96
4
-113
8
-137
16
165
1,956
462
373
54
1,003
405
491
0
0
0
491
-114
377
0
0
0
242
377
December 2015
)LQDQV%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.4
17.0
10.5
11.4
7.0
7.5
-141.8
-103.1
-2.6
-14.8
75.1
77.2
56.3
61.7
57.1
59.6
59.5
64.7
82.6
85.3
56.7
55.9
6.6
6.5
Assets Quality
17.2
16.6
66.8
66.8
117.8
119.4
6.6
5.4
1.3
1.1
80.4
79.2
3.5
3.9
37.8
42.6
Liquidity
20.9
21.1
40.1
39.5
8.8
9.2
Profitability
0.8
1.2
7.8
10.2
1.1
1.5
3.6
3.0
63.5
48.8
1.0
1.9
3.2
3.1
38.1
40.3
31.5
62.7
II-137
Habib Bank Limited
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
13
0
0
0
0
0
0
0
0
13
13
0
0
13
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
3
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
2
0
2
0
3
3
1
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
2
0
2
0
16
16
1
0
15
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
8.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
42.9
0.0
0.0
0.0
0.0
5.2
0.0
5.2
0.0
40.9
40.9
2.5
0.0
38.3
2.3
2.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
1.6
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
0
0
0
0
13
13
0
0
13
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
7
0
0
0
0
0
0
0
0
2
2
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
16
0
0
0
0
0
0
0
0
15
15
1
0
14
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
47.5
0.0
0.0
0.0
0.0
1.0
0.0
1.0
0.0
44.4
44.0
3.0
0.0
41.1
3.7
3.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
1.2
Total Assets
27
13
39
100.0
24
10
34
100.0
II-138
Habib Bank Limited
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
8
0
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
7
1
4
0
4
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12
0
12
0
7
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
7
1
31.3
0.7
30.6
0.0
17.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.5
0.0
0.5
0.0
0.1
0.2
0.2
0.0
0.0
0.0
46.5
26.0
-0.2
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
20.6
17.4
3.2
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
8
1
5
0
5
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
6
0
4
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
8
1
17.3
0.8
16.5
0.0
13.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.7
0.0
0.4
0.0
0.1
0.4
0.4
0.0
0.0
0.0
64.6
38.4
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
26.3
22.4
3.9
Total Liabilities
28
11
39
100.0
24
10
34
100.0
II-139
Habib Bank Limited
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
31
0
31
0
0
0
0
0
0
0
10
2
0
9
0
0
0
0
0
0
0
0
0
12
12
0
0
10
2
0
9
0
0
0
31
0
31
0
0
0
12
12
0
0
0
0
0
0
0
0
0
19
0
19
0
0
0
0
0
0
0
16
2
0
13
0
0
0
0
0
0
0
0
0
12
12
0
0
16
3
0
13
0
0
0
19
0
19
0
0
0
12
12
0
0
31
22
53
20
27
47
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
3
1
0
1
0
0
0
0
0
0
0
0
0
2
0
0
0
0
1
0
0
1
0
3
0
0
0
2
1
2
0
0
0
2
0
1
0
0
0
3
2
0
1
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
3
0
0
0
1
1
2
0
0
0
2
0
1
0
0
0
Net Profit/Losses
1
1
II-140
Habib Bank Limited
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
52.2
66.5
46.5
64.6
45.5
62.8
18.6
11.1
18.6
11.1
68.2
71.0
70.9
70.7
109.6
98.9
66.5
12.1
79.1
88.6
31.3
17.3
17.9
13.4
Assets Quality
5.2
1.0
40.9
44.4
130.4
256.5
5.7
8.3
0.0
0.7
100.0
91.2
0.9
1.8
0.0
0.1
Liquidity
56.5
52.8
225.7
207.1
33.2
28.9
3.2
3.9
7.0
6.0
4.1
4.9
Profitability
5.7
7.2
70.1
77.0
2.3
2.0
3.8
4.3
47.6
49.8
60.9
46.2
II-141
+6%&%DQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
114
460
460
332
0
126
2
0
0
0
0
0
20
854
0
0
854
215
1
214
0
4,800
4,643
0
0
4,643
427
269
184
0
0
0
0
0
0
0
0
12
12
0
0
0
0
0
0
0
0
0
0
0
7
0
7
0
30
12
0
12
0
8
8
0
1
56
1,049
103
103
6
0
97
0
0
0
0
0
0
150
476
78
0
398
9
9
0
0
2,222
2,222
7
0
2,215
0
0
16
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
47
1,163
563
563
338
0
223
2
0
0
0
0
0
170
1,329
78
0
1,252
224
10
214
0
7,022
6,865
7
0
6,858
427
269
200
0
0
0
0
0
0
0
0
12
12
0
0
0
0
0
0
0
0
0
0
0
7
0
7
0
30
12
0
12
0
8
8
0
1
103
10.7
5.2
5.2
3.1
0.0
2.1
0.0
0.0
0.0
0.0
0.0
0.0
1.6
12.3
0.7
0.0
11.5
2.1
0.1
2.0
0.0
64.7
63.3
0.1
0.0
63.2
3.9
2.5
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.3
0.1
0.0
0.1
0.0
0.1
0.1
0.0
0.0
0.9
386
345
345
145
0
199
1
0
0
0
0
0
423
2,937
0
0
2,937
228
2
226
0
6,258
6,052
0
0
6,052
533
328
70
0
0
0
0
0
0
0
0
15
15
0
0
0
0
0
0
0
0
0
0
0
16
0
16
0
49
51
36
15
0
52
32
20
1
77
1,121
74
74
7
0
66
0
0
0
0
0
0
369
0
0
0
0
0
0
0
0
2,051
2,051
2
0
2,050
0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
1,507
419
419
152
0
266
1
0
0
0
0
0
792
2,937
0
0
2,937
228
2
226
0
8,309
8,104
2
0
8,102
533
328
77
0
0
0
0
0
0
0
0
15
15
0
0
0
0
0
0
0
0
0
0
0
16
0
16
0
49
51
36
15
0
52
32
20
1
84
10.4
2.9
2.9
1.0
0.0
1.8
0.0
0.0
0.0
0.0
0.0
0.0
5.4
20.2
0.0
0.0
20.2
1.6
0.0
1.6
0.0
57.2
55.8
0.0
0.0
55.7
3.7
2.3
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.3
0.3
0.2
0.1
0.0
0.4
0.2
0.1
0.0
0.6
Total Assets
6,773
4,073
10,845
100.0
10,907
3,628
14,535
100.0
II-142
December 2015
+6%&%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
3,024
32
2,991
34
213
271
0
0
271
0
0
0
0
0
0
0
138
134
0
0
0
0
0
0
4
0
4
0
202
157
0
21
0
25
18
18
0
0
0
904
224
95
0
0
-1
0
0
0
0
3
0
93
700
62
0
645
-7
-114
0
-114
3,506
1
3,505
88
1,621
0
0
0
0
0
0
0
0
0
0
0
86
27
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
566
7
0
7
0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,530
34
6,497
122
1,834
271
0
0
271
0
0
0
0
0
0
0
225
162
0
0
0
0
0
0
4
0
4
0
202
157
0
21
0
25
18
18
0
0
566
911
224
102
0
0
6
0
0
0
0
3
0
93
700
62
0
645
-7
-114
0
-114
60.2
0.3
59.9
1.1
16.9
2.5
0.0
0.0
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
1.4
0.0
0.2
0.0
0.2
0.2
0.2
0.0
0.0
5.2
8.4
2.1
0.9
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.9
6.5
0.6
0.0
5.9
-0.1
-1.0
0.0
-1.0
4,717
31
4,687
34
1,080
170
0
0
170
0
0
0
0
0
0
0
190
184
0
0
0
0
0
0
4
0
4
0
195
156
0
15
0
25
21
21
0
0
0
1,287
280
120
0
0
3
0
0
0
0
0
0
117
910
77
0
833
0
-24
0
-24
3,466
2
3,464
183
2,448
0
0
0
0
0
0
0
0
0
0
0
65
30
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
0
0
0
461
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,183
32
8,151
216
3,528
170
0
0
170
0
0
0
0
0
0
0
255
215
0
0
0
0
0
0
4
0
4
0
196
156
0
15
0
26
21
21
0
0
461
1,287
280
120
0
0
3
0
0
0
0
0
0
117
910
77
0
833
0
-24
0
-24
56.3
0.2
56.1
1.5
24.3
1.2
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
1.1
0.0
0.1
0.0
0.2
0.1
0.1
0.0
0.0
3.2
8.9
1.9
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
6.3
0.5
0.0
5.7
0.0
-0.2
0.0
-0.2
Total Liabilities
4,943
5,902
10,845
100.0
7,882
6,653
14,535
100.0
II-143
+6%&%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
277
277
0
0
0
0
0
5,200
5,200
0
6,444
169
6,275
13,593
3,440
4,174
5,979
777
295
161
204
0
0
116
5,574
5,574
0
17,513
175
17,338
29,334
531
4,853
23,950
1,054
572
161
204
0
0
116
10,773
10,773
0
23,957
344
23,613
42,927
3,971
9,027
29,929
307
307
0
0
0
0
0
4,926
4,926
0
17,052
518
16,534
19,523
6,547
5,379
7,597
1,011
235
310
295
0
0
171
3,696
3,696
0
24,072
546
23,526
34,663
634
6,291
27,739
1,318
541
310
295
0
0
171
8,621
8,621
0
41,124
1,063
40,061
54,187
7,181
11,670
35,336
25,514
53,197
78,711
41,808
63,442
105,249
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
823
672
3
34
68
43
4
438
318
92
21
0
7
385
164
179
16
7
13
-3
239
-223
64
632
240
198
32
486
198
-94
0
0
0
-94
-19
-114
0
0
0
1,113
805
1
41
206
39
20
584
427
138
17
0
2
529
266
287
22
10
-95
4
79
-178
89
799
244
230
6
577
259
-22
0
0
0
-22
-2
-24
0
0
0
Net Profit/Losses
-114
-24
II-144
December 2015
+6%&%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.7
15.1
8.4
8.9
6.4
6.6
-105.1
-169.9
2.9
-1.4
62.4
75.0
45.6
54.2
69.0
54.5
46.3
57.6
68.4
75.3
60.2
56.3
16.9
24.3
Assets Quality
7.3
4.6
64.7
57.2
107.5
101.5
6.1
6.4
2.2
2.5
63.1
61.5
2.0
2.2
36.1
43.3
Liquidity
31.8
40.5
56.9
63.2
15.3
29.7
Profitability
-1.0
-0.2
-12.5
-1.9
-0.9
-0.2
1.7
2.1
29.7
37.4
2.3
1.9
4.5
4.0
40.7
44.8
50.7
46.9
II-145
,&%&7XUNH\%DQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
13
0
0
0
0
0
0
0
0
0
0
0
3
26
0
26
0
92
0
92
0
787
772
0
0
772
62
46
0
0
0
0
0
0
0
0
0
9
9
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
2
0
2
0
19
311
0
0
0
0
0
0
0
0
0
0
0
99
0
0
0
0
280
0
97
182
625
625
367
0
257
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
324
0
0
0
0
0
0
0
0
0
0
0
103
26
0
26
0
372
0
189
182
1,412
1,396
367
0
1,029
62
46
0
0
0
0
0
0
0
0
0
9
9
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
2
0
2
0
23
14.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.5
1.2
0.0
1.2
0.0
16.3
0.0
8.3
8.0
61.9
61.2
16.1
0.0
45.1
2.7
2.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.0
19
5
5
0
0
5
0
0
0
0
0
0
16
32
0
0
32
85
0
85
0
1,016
995
20
0
975
68
47
0
0
0
0
0
0
0
0
0
11
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
1
0
1
0
2
1
1
0
24
131
0
0
0
0
0
0
0
0
0
0
0
19
0
0
0
0
2
0
0
2
187
187
9
0
178
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
150
6
6
0
0
5
0
0
0
0
0
0
36
32
0
0
32
87
0
85
2
1,203
1,182
30
0
1,153
68
47
0
0
0
0
0
0
0
0
0
11
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
1
0
1
0
2
1
1
0
33
9.5
0.4
0.4
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
2.3
2.1
0.0
0.0
2.1
5.5
0.0
5.4
0.1
76.5
75.2
1.9
0.0
73.4
4.3
3.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.1
0.0
0.1
0.0
0.1
0.1
0.0
0.0
2.1
Total Assets
962
1,319
2,280
100.0
1,222
349
1,571
100.0
II-146
December 2015
,&%&7XUNH\%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
359
23
337
1
8
37
0
0
37
0
0
0
0
0
0
0
1
19
0
0
0
0
0
0
0
0
0
0
18
10
0
4
0
4
3
3
0
0
0
206
144
3
0
0
0
3
0
0
0
0
0
0
65
4
0
41
20
-6
0
-6
414
119
295
0
1,074
141
0
0
141
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-4
0
-4
0
0
-4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
773
142
631
1
1,081
177
0
0
177
0
0
0
0
0
0
0
1
21
0
0
0
0
0
0
0
0
0
0
18
10
0
4
0
4
3
3
0
0
0
202
144
-1
0
0
-4
3
0
0
0
0
0
0
65
4
0
41
20
-6
0
-6
33.9
6.2
27.7
0.1
47.4
7.8
0.0
0.0
7.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.5
0.0
0.2
0.0
0.2
0.1
0.1
0.0
0.0
0.0
8.9
6.3
0.0
0.0
0.0
-0.2
0.1
0.0
0.0
0.0
0.0
0.0
0.0
2.8
0.2
0.0
1.8
0.9
-0.3
0.0
-0.3
583
6
577
0
16
28
0
0
28
0
0
0
0
0
0
0
3
23
0
0
0
0
0
0
0
0
0
0
18
10
0
4
0
4
3
3
0
0
0
265
180
3
0
0
1
3
0
0
0
0
0
0
76
4
0
47
25
5
0
5
495
14
482
2
134
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,078
20
1,058
2
150
28
0
0
28
0
0
0
0
0
0
0
3
24
0
0
0
0
0
0
0
0
0
0
18
10
0
4
0
4
3
3
0
0
0
265
180
3
0
0
1
3
0
0
0
0
0
0
76
4
0
47
25
5
0
5
68.6
1.3
67.3
0.2
9.5
1.8
0.0
0.0
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.6
0.0
0.3
0.0
0.3
0.2
0.2
0.0
0.0
0.0
16.9
11.5
0.2
0.0
0.0
0.1
0.2
0.0
0.0
0.0
0.0
0.0
0.0
4.8
0.3
0.0
3.0
1.6
0.3
0.0
0.3
Total Liabilities
653
1,628
2,280
100.0
938
633
1,571
100.0
II-147
,&%&7XUNH\%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
TC
Dec. 2014
FC
Total
98
98
0
0
0
0
0
83
83
0
232
0
232
917
41
876
0
152
115
0
29
0
0
8
7
7
0
306
0
306
201
10
191
0
251
213
0
29
0
0
8
90
90
0
538
0
538
1,118
51
1,067
0
179
179
0
0
0
0
0
110
110
0
204
0
204
1,218
54
1,164
0
187
131
0
46
0
0
9
22
22
0
530
0
530
348
17
330
0
365
310
0
46
0
0
9
132
132
0
733
0
733
1,566
71
1,495
0
1,330
667
1,997
1,711
1,086
2,797
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-148
Dec. 2014
118
102
1
0
1
14
0
59
50
6
3
0
0
59
4
5
1
0
-12
0
-1
-12
11
62
16
11
3
52
31
-6
0
0
0
-6
0
-6
0
0
0
146
127
0
1
0
17
1
69
58
4
7
0
0
77
6
7
2
1
-14
4
-10
-8
9
78
17
16
0
55
32
7
0
0
0
7
-1
5
0
0
0
-6
5
December 2015
,&%&7XUNH\%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
12.8
18.9
8.9
16.9
7.4
14.1
-112.0
-76.8
-2.1
-0.1
42.2
77.8
28.6
59.7
81.0
55.1
46.5
54.1
55.8
84.5
33.9
68.6
47.4
9.5
Assets Quality
16.3
5.9
61.9
76.5
182.6
111.5
4.4
5.6
1.1
1.7
74.6
69.9
1.5
2.8
11.8
13.4
Liquidity
36.2
19.8
99.7
35.9
5.9
10.0
-0.3
0.3
-2.9
2.0
-0.3
0.4
Profitability
2.1
3.9
78.1
77.6
0.1
0.1
2.3
3.5
58.5
58.4
5.8
2.0
II-149
,1*%DQN$ù
Assets
(USD Million)
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
147
117
117
48
0
70
0
0
0
0
0
0
233
223
0
0
223
1,045
2
1,043
0
8,847
8,713
15
0
8,698
362
227
0
0
0
0
0
0
0
0
0
33
33
0
0
0
0
0
0
0
0
0
0
0
531
0
531
0
124
11
0
11
0
2
2
0
0
188
1,958
36
36
2
0
33
0
0
0
0
0
0
152
0
0
0
0
11
11
0
0
3,217
3,217
1
0
3,215
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
2,105
153
153
50
0
103
0
0
0
0
0
0
385
223
0
0
223
1,056
13
1,043
0
12,064
11,930
16
0
11,913
362
227
0
0
0
0
0
0
0
0
0
33
33
0
0
0
0
0
0
0
0
0
0
0
531
0
531
0
124
11
0
11
0
2
2
0
0
189
12.5
0.9
0.9
0.3
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
2.3
1.3
0.0
0.0
1.3
6.3
0.1
6.2
0.0
71.5
70.7
0.1
0.0
70.6
2.1
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.1
0.0
3.1
0.0
0.7
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.0
1.1
201
73
73
1
0
71
0
0
0
0
0
0
339
161
0
135
26
1,152
2
1,150
0
9,500
9,367
1
0
9,366
329
195
0
0
0
0
0
0
0
0
0
41
41
0
0
0
0
0
0
0
0
0
0
0
222
0
222
0
147
10
0
10
0
14
14
0
0
145
1,649
30
30
4
0
26
0
0
0
0
0
0
98
0
0
0
0
0
0
0
0
2,552
2,552
3
0
2,550
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
1,850
102
102
5
0
97
0
0
0
0
0
0
437
161
0
135
26
1,152
2
1,150
0
12,053
11,919
4
0
11,915
329
195
0
0
0
0
0
0
0
0
0
41
41
0
0
0
0
0
0
0
0
0
0
0
222
0
222
0
147
10
0
10
0
14
14
0
0
148
11.3
0.6
0.6
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
2.7
1.0
0.0
0.8
0.2
7.1
0.0
7.0
0.0
73.8
73.0
0.0
0.0
72.9
2.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.0
1.4
0.0
0.9
0.1
0.0
0.1
0.0
0.1
0.1
0.0
0.0
0.9
11,501
5,375
16,876
100.0
12,005
4,332
16,337
100.0
II-150
December 2015
,1*%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
5,157
16
5,142
48
209
465
26
0
439
81
81
0
0
0
0
0
101
148
0
0
0
0
0
0
3
0
3
0
229
190
0
13
0
26
88
23
65
0
155
1,529
1,195
56
0
0
-11
8
0
0
0
59
0
0
238
32
0
206
0
39
0
39
2,947
34
2,913
35
4,964
0
0
0
0
0
0
0
0
0
0
0
9
3
0
0
0
0
0
0
2
0
2
0
0
0
0
0
0
0
0
0
0
0
697
7
0
7
0
0
9
0
0
0
0
-2
0
0
0
0
0
0
0
0
0
0
8,104
49
8,055
83
5,173
465
26
0
439
81
81
0
0
0
0
0
110
151
0
0
0
0
0
0
5
0
5
0
229
190
0
13
0
26
88
23
65
0
852
1,536
1,195
64
0
0
-2
8
0
0
0
57
0
0
238
32
0
206
0
39
0
39
48.0
0.3
47.7
0.5
30.7
2.8
0.2
0.0
2.6
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.7
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
1.1
0.0
0.1
0.0
0.2
0.5
0.1
0.4
0.0
5.0
9.1
7.1
0.4
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.3
0.0
0.0
1.4
0.2
0.0
1.2
0.0
0.2
0.0
0.2
6,022
38
5,984
35
69
385
0
2
384
146
146
0
0
0
0
0
118
147
0
0
0
0
0
0
45
0
45
0
237
189
0
15
0
32
61
25
37
0
206
1,492
1,197
-4
0
0
2
10
0
0
0
-16
0
0
223
37
0
187
0
76
0
76
2,185
36
2,149
34
4,724
0
0
0
0
0
0
0
0
0
0
0
16
9
0
0
0
0
0
0
3
0
3
0
0
0
0
0
0
0
0
0
0
0
405
-3
0
-3
0
0
0
0
0
0
0
-3
0
0
0
0
0
0
0
0
0
0
8,207
74
8,134
69
4,793
385
0
2
384
146
146
0
0
0
0
0
134
156
0
0
0
0
0
0
48
0
48
0
237
189
0
15
0
32
61
25
37
0
611
1,490
1,197
-7
0
0
2
10
0
0
0
-19
0
0
223
37
0
187
0
76
0
76
50.2
0.5
49.8
0.4
29.3
2.4
0.0
0.0
2.3
0.9
0.9
0.0
0.0
0.0
0.0
0.0
0.8
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.3
0.0
1.4
1.2
0.0
0.1
0.0
0.2
0.4
0.2
0.2
0.0
3.7
9.1
7.3
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
-0.1
0.0
0.0
1.4
0.2
0.0
1.1
0.0
0.5
0.0
0.5
Total Liabilities
8,211
8,664
16,876
100.0
8,965
7,372
16,337
100.0
II-151
,1*%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
937
935
0
0
0
0
2
2,107
2,107
0
7,430
3,568
3,862
68,713
246
13,487
54,980
2,706
1,048
58
436
0
0
1,165
438
438
0
12,709
2,666
10,044
8,960
445
1,819
6,697
3,643
1,983
58
436
0
0
1,167
2,545
2,545
0
20,139
6,234
13,905
77,673
691
15,305
61,677
1,131
1,127
0
0
0
0
4
2,645
2,645
0
6,001
3,227
2,774
78,099
532
16,016
61,550
2,065
984
82
372
0
0
628
277
277
0
7,896
2,750
5,146
8,864
495
1,641
6,727
3,197
2,111
82
372
0
0
632
2,922
2,922
0
13,897
5,977
7,920
86,962
1,027
17,658
68,278
79,187
24,814
104,001
87,876
19,102
106,978
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-152
Dec. 2014
1,277
1,160
4
8
13
92
0
583
433
103
30
14
2
694
99
138
39
7
-133
-2
416
-547
107
774
197
150
39
520
196
57
0
0
0
57
-18
39
0
0
0
1,360
1,219
0
14
18
109
0
628
486
96
27
18
1
733
115
139
24
6
-139
-4
-31
-104
128
843
172
127
38
566
224
106
0
0
0
106
-30
76
0
0
0
39
76
December 2015
,1*%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.8
14.4
9.1
9.1
7.3
7.1
-159.0
-145.6
1.4
0.0
68.2
73.5
48.7
54.9
62.0
58.8
63.6
73.4
73.3
78.8
48.0
50.2
30.7
29.3
Assets Quality
10.3
9.0
71.5
73.8
148.9
146.9
3.0
2.7
1.1
1.1
62.8
59.4
1.8
2.0
32.1
38.0
Liquidity
23.2
22.7
46.6
44.5
10.5
11.8
0.2
0.5
2.6
5.1
0.3
0.6
Profitability
3.2
3.7
70.4
71.8
0.5
0.7
3.1
3.5
37.7
39.6
15.3
19.6
II-153
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
0
0
0
0
218
218
0
0
218
0
0
85
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
185
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
922
922
0
0
922
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
186
0
0
0
0
0
0
0
0
0
0
0
19
0
0
0
0
0
0
0
0
1,140
1,140
0
0
1,140
0
0
85
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
13.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
79.6
79.6
0.0
0.0
79.6
0.0
0.0
6.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0
0
0
0
0
0
0
0
0
0
0
0
323
0
0
0
0
0
0
0
0
120
120
0
0
120
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
19
0
0
0
0
0
0
0
0
0
0
0
16
0
0
0
0
0
0
0
0
146
146
0
0
146
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
0
0
0
0
0
0
0
0
0
0
0
339
0
0
0
0
0
0
0
0
266
266
0
0
266
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
3.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
42.5
42.5
0.0
0.0
42.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
Total Assets
322
1,110
1,432
100.0
445
181
626
100.0
II-154
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
39
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
11
0
0
0
0
2
2
0
0
0
262
232
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30
13
17
459
451
8
0
657
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
459
451
8
0
696
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
11
11
0
0
0
0
2
2
0
0
0
262
232
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30
13
17
32.0
31.5
0.6
0.0
48.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.8
0.0
0.0
0.0
0.0
0.2
0.2
0.0
0.0
0.0
18.3
16.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
0.9
1.2
0
0
0
0
114
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
2
2
0
0
0
307
291
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
0
17
1
0
1
0
199
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
312
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
2
2
0
0
0
307
291
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
0
17
0.2
0.0
0.2
0.0
49.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.4
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
49.1
46.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
-0.1
2.7
Total Liabilities
315
1,117
1,432
100.0
426
201
626
100.0
II-155
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
4
4
0
0
0
0
0
138
11
127
0
0
0
0
0
0
0
3
3
0
1
0
0
0
533
0
533
0
0
0
0
0
0
0
8
7
0
1
0
0
0
671
11
660
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
142
536
679
0
0
0
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
40
32
0
8
0
0
0
5
1
4
0
0
0
35
0
1
0
0
1
0
-3
4
0
37
9
0
9
4
2
24
0
0
0
24
-6
17
0
0
0
28
3
0
26
0
0
0
0
0
0
0
0
0
28
0
0
0
0
0
0
0
0
0
28
3
0
3
4
2
22
0
0
0
22
-5
17
0
0
0
Net Profit/Losses
17
17
II-156
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
20.5
87.1
18.3
49.1
18.3
48.9
1.6
-0.1
1.6
-0.1
22.5
71.0
22.0
67.9
99.4
90.3
0.0
0.0
19.1
45.2
32.0
0.2
48.6
49.9
Assets Quality
0.0
0.0
79.6
42.5
248.4
21,862.1
0.0
0.0
0.0
0.0
-
-
0.0
0.1
0.0
0.0
Liquidity
14.4
57.3
84.7
293.7
1.3
51.6
1.2
2.7
6.6
5.5
1.7
3.4
Profitability
2.5
4.5
96.0
99.5
0.1
0.0
0.3
0.6
48.1
47.8
34.3
3.9
II-157
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
3
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
1
0
1
0
0
52
0
0
0
0
0
0
0
0
0
0
0
105
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
52
3
3
3
0
0
0
0
0
0
0
0
105
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
1
0
1
0
2
31.8
1.8
1.8
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
63.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.5
0.0
0.5
0.0
0.4
0.0
0.4
0.0
1.3
0
4
4
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
1
0
1
0
0
24
0
0
0
0
0
0
0
0
0
0
0
133
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
24
4
4
4
0
0
0
0
0
0
0
0
133
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
1
0
1
0
1
14.7
2.3
2.3
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
80.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.7
0.0
0.7
0.0
0.3
0.0
0.3
0.0
0.9
Total Assets
6
159
165
100.0
7
158
165
100.0
II-158
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
28
22
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
1
1
0
0
0
131
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
96
84
12
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28
22
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
1
1
0
0
0
131
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
96
84
12
17.2
13.6
3.6
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.6
0.0
1.8
0.0
0.4
0.5
0.5
0.0
0.0
0.0
79.1
20.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
58.4
51.0
7.4
9
1
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
2
2
0
0
0
149
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
106
88
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
1
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
2
2
0
0
0
149
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
106
88
17
5.5
0.7
4.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.3
0.8
0.0
2.1
0.0
0.4
1.0
1.0
0.0
0.0
0.0
90.1
26.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
64.1
53.5
10.5
Total Liabilities
165
0
165
100.0
165
0
165
100.0
II-159
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
0
0
0
145
0
145
1
1
0
0
0
0
0
0
0
0
0
0
0
0
146
0
146
0
0
0
0
0
0
0
0
0
0
0
0
0
0
291
0
291
1
1
0
0
0
0
0
0
0
0
0
0
0
0
141
0
141
1
1
0
0
0
0
0
0
0
0
0
0
0
0
141
0
141
0
0
0
0
0
0
0
0
0
0
0
0
0
0
283
0
283
1
1
0
0
146
146
292
143
141
284
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-160
Dec. 2014
19
0
0
12
0
7
0
2
2
0
0
0
0
17
8
8
0
0
6
6
14
-15
0
31
0
0
0
15
5
15
0
0
0
15
-3
12
0
0
0
40
0
0
33
0
7
0
2
2
0
0
0
0
38
7
7
0
0
-5
11
-6
-11
0
40
1
0
0
18
6
22
0
0
0
22
-5
17
0
0
0
12
17
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
120.4
107.7
79.1
90.1
78.1
89.0
121.9
106.5
10.6
18.1
3.5
4.0
99.7
100.0
36,646.5
1,363,855.6
100.0
100.0
-
-
17.2
5.5
0.0
0.0
Assets Quality
1.8
2.3
0.0
0.0
0.0
0.0
-
-
-
-
-
-
1.0
1.2
-
-
Liquidity
97.2
97.6
555.1
1,755.1
1.9
2.3
10.5
Profitability
7.4
9.3
11.7
9.2
13.3
10.5
23.2
56.8
95.0
8.0
1.2
9.1
10.7
34.3
36.2
88.1
11.5
II-161
2GHD%DQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
181
35
35
9
0
26
0
0
0
0
0
0
0
1,392
0
0
1,392
162
0
162
0
3,676
3,573
0
0
3,573
167
65
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
49
34
0
34
0
14
0
14
10
47
1,215
8
8
0
0
8
0
0
0
0
0
0
12
0
0
0
0
214
2
212
0
3,797
3,797
0
0
3,797
0
0
0
125
125
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
23
1,396
43
43
9
0
35
0
0
0
0
0
0
12
1,392
0
0
1,392
376
2
374
0
7,473
7,370
0
0
7,370
167
65
0
125
125
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
49
34
0
34
0
14
0
14
10
70
12.7
0.4
0.4
0.1
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.1
12.7
0.0
0.0
12.7
3.4
0.0
3.4
0.0
68.0
67.0
0.0
0.0
67.0
1.5
0.6
0.0
1.1
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.3
0.0
0.3
0.0
0.1
0.0
0.1
0.1
0.6
154
4
4
1
0
4
0
0
0
0
0
0
373
961
0
0
961
209
0
209
0
4,294
4,226
0
0
4,226
114
46
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50
25
0
25
0
8
0
8
3
37
1,062
16
16
1
0
15
0
0
0
0
0
0
63
0
0
0
0
162
0
162
0
3,447
3,447
0
0
3,447
0
0
0
129
129
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
1,216
20
20
1
0
19
0
0
0
0
0
0
435
961
0
0
961
371
0
371
0
7,741
7,673
0
0
7,673
114
46
0
129
129
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50
25
0
25
0
8
0
8
3
53
11.0
0.2
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
4.0
8.7
0.0
0.0
8.7
3.4
0.0
3.4
0.0
70.3
69.7
0.0
0.0
69.7
1.0
0.4
0.0
1.2
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
0.5
Total Assets
5,600
5,395
10,994
100.0
6,117
4,895
11,011
100.0
II-162
December 2015
2GHD%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
3,279
8
3,271
43
2
54
0
0
54
53
53
0
0
0
0
0
2
62
0
0
0
0
0
0
0
0
0
0
54
34
0
3
0
17
16
16
0
0
0
471
513
-5
0
0
-5
0
0
0
0
0
0
0
0
0
0
0
0
-36
-54
17
5,402
351
5,052
6
1,072
0
0
0
0
0
0
0
0
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
33
33
0
0
0
0
0
0
0
0
449
-10
0
-10
0
0
-10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,682
359
8,322
49
1,074
54
0
0
54
53
53
0
0
0
0
0
2
67
0
0
0
0
0
0
0
0
0
0
87
67
0
3
0
17
16
16
0
0
449
462
513
-15
0
0
-15
0
0
0
0
0
0
0
0
0
0
0
0
-36
-54
17
79.0
3.3
75.7
0.4
9.8
0.5
0.0
0.0
0.5
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.6
0.0
0.0
0.0
0.2
0.1
0.1
0.0
0.0
4.1
4.2
4.7
-0.1
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.3
-0.5
0.2
4,128
7
4,120
9
4
60
0
0
60
59
59
0
0
0
0
0
2
67
0
0
0
0
0
0
0
0
0
0
55
36
0
3
0
16
18
18
0
0
0
576
643
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-67
-67
0
4,923
243
4,680
13
603
0
0
0
0
0
0
0
0
0
0
0
0
15
0
0
0
0
0
0
0
0
0
0
30
30
0
0
0
0
0
0
0
0
453
-2
0
-2
0
0
-2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,051
251
8,800
22
606
60
0
0
60
59
59
0
0
0
0
0
2
82
0
0
0
0
0
0
0
0
0
0
85
66
0
3
0
16
18
18
0
0
453
575
643
-1
0
0
-1
0
0
0
0
0
0
0
0
0
0
0
0
-67
-67
0
82.2
2.3
79.9
0.2
5.5
0.5
0.0
0.0
0.5
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.6
0.0
0.0
0.0
0.1
0.2
0.2
0.0
0.0
4.1
5.2
5.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.6
-0.6
0.0
Total Liabilities
4,036
6,958
10,994
100.0
4,976
6,035
11,011
100.0
II-163
2GHD%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
368
365
3
0
0
0
0
225
225
0
4,005
0
4,005
14,143
236
13,907
0
419
234
21
164
0
0
0
84
84
0
6,510
0
6,510
6,970
226
6,745
0
787
599
23
164
0
0
0
309
309
0
10,515
0
10,515
21,113
461
20,652
0
348
346
3
0
0
0
0
295
295
0
2,538
0
2,538
8,364
249
8,116
0
293
87
21
186
0
0
0
197
197
0
5,551
0
5,551
4,726
135
4,591
0
641
432
24
186
0
0
0
491
491
0
8,089
0
8,089
13,090
384
12,706
0
18,741
13,983
32,724
11,545
10,766
22,312
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-164
Dec. 2014
806
668
5
32
65
32
4
472
435
25
4
6
1
335
34
43
9
0
-74
-1
92
-166
2
297
89
74
14
183
86
25
0
0
0
25
-8
17
0
0
0
704
606
0
19
42
36
2
455
427
15
7
5
0
249
18
24
6
0
-16
8
-28
4
2
253
72
45
27
174
63
7
0
0
0
7
-7
0
0
0
0
17
0
December 2015
2GHD%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
12.2
13.7
4.2
5.2
2.4
3.9
-232.0
-108.8
8.8
-18.1
50.9
55.5
36.7
45.2
77.5
81.1
37.8
45.6
49.2
55.5
79.0
82.2
9.8
5.5
Assets Quality
4.9
4.7
68.0
70.3
86.1
85.5
2.2
1.5
1.4
0.9
38.6
40.7
1.8
1.3
10.1
9.0
Liquidity
29.3
27.3
57.6
48.6
16.1
15.4
0.2
0.0
3.7
0.0
0.2
0.1
Profitability
2.4
1.9
87.8
80.6
-0.3
0.0
1.7
1.6
47.3
36.5
-20.9
2.4
II-165
5DEREDQN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
68
0
0
0
0
184
0
184
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
42
42
0
0
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
5
0
0
0
0
0
0
0
0
0
0
0
68
0
0
0
0
184
0
184
0
42
42
0
0
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
0
0
0
0
1
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.6
0.0
0.0
0.0
0.0
60.7
0.0
60.7
0.0
13.9
13.9
0.0
0.0
13.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.4
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.4
0
0
0
0
0
0
0
0
0
0
0
0
100
0
0
0
0
202
0
202
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
2
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
29
29
0
0
29
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
100
0
0
0
0
202
0
202
0
29
29
0
0
29
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
2
0
0
0
0
0
0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29.8
0.0
0.0
0.0
0.0
59.9
0.0
59.9
0.0
8.6
8.6
0.0
0.0
8.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.5
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.1
Total Assets
255
47
302
100.0
305
31
337
100.0
II-166
December 2015
5DEREDQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
1
1
0
0
0
250
234
0
0
0
0
0
0
0
0
0
0
0
7
0
0
6
0
10
0
10
0
0
0
0
46
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
46
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
1
1
0
0
0
250
234
0
0
0
0
0
0
0
0
0
0
0
7
0
0
6
0
10
0
10
0.1
0.0
0.1
0.0
15.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.4
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
82.8
77.5
-0.1
0.0
0.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
0.1
0.0
2.1
0.0
3.2
0.0
3.2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
1
0
1
0
0
1
1
0
0
0
302
294
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
0
8
0
0
0
0
31
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
31
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
1
0
1
0
0
1
1
0
0
0
302
294
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
0
8
0.0
0.0
0.0
0.0
9.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.3
0.0
0.2
0.0
0.0
0.4
0.4
0.0
0.0
0.0
89.7
87.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4
0.0
2.4
Total Liabilities
254
49
302
100.0
306
31
337
100.0
II-167
5DEREDQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
14
14
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
19
19
0
0
0
0
0
0
0
0
0
0
0
3
0
0
3
34
34
0
0
0
0
0
3
3
0
0
0
0
3
0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
23
40
0
0
0
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
24
1
0
7
0
16
0
0
0
0
0
0
0
23
1
1
0
0
0
0
0
0
0
25
0
0
0
12
5
12
0
0
0
12
-3
10
0
0
0
26
0
0
9
0
17
0
0
0
0
0
0
0
26
0
0
0
0
0
0
0
0
0
25
1
0
1
14
5
11
0
0
0
11
-2
8
0
0
0
Net Profit/Losses
10
8
II-168
December 2015
5DEREDQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
227.9
595.4
82.8
89.7
82.0
88.8
-0.6
0.1
-0.6
0.1
84.5
90.7
83.8
90.8
96.2
101.1
97.7
0.0
0.8
0.0
0.1
0.0
15.4
9.1
60.7
59.9
13.9
8.6
25,578.1
67,984.8
Assets Quality
0.0
0.0
0.0
0.0
-
-
0.7
0.9
0.0
0.0
Liquidity
84.9
90.3
43,449.7
15,048.0
83.5
89.6
3.2
2.4
3.8
2.7
4.0
3.1
Profitability
7.7
7.6
95.1
100.3
0.4
0.0
4.0
4.2
42.6
33.1
10.1
-0.6
II-169
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
4
1
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25
23
0
0
23
8
7
0
44
44
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
6
3
2
0
4
8
0
0
0
0
0
0
0
0
0
0
0
46
0
0
0
0
0
0
0
0
19
19
2
0
18
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12
1
1
1
0
0
0
0
0
0
0
0
47
0
0
0
0
0
0
0
0
44
42
2
0
40
8
7
0
44
44
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
6
3
2
0
4
7.5
0.7
0.7
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
27.5
26.3
1.1
0.0
25.3
5.3
4.1
0.0
27.3
27.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.3
0.0
1.3
0.0
3.6
2.2
1.4
0.0
2.7
2
1
1
1
0
0
0
0
0
0
0
0
13
0
0
0
0
0
0
0
0
109
105
0
0
105
7
3
0
46
46
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
0
5
0
6
6
1
0
5
142
0
0
0
0
0
0
0
0
0
0
0
22
0
0
0
0
0
0
0
0
5
5
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
144
1
1
1
0
0
0
0
0
0
0
0
35
0
0
0
0
0
0
0
0
114
110
5
0
105
7
3
0
46
46
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
0
5
0
6
6
1
0
5
40.4
0.2
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
31.9
30.9
1.4
0.0
29.5
1.8
0.8
0.0
12.9
12.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
1.5
0.0
1.5
0.0
1.7
1.6
0.2
0.0
1.4
Total Assets
86
74
160
100.0
188
169
357
100.0
II-170
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
24
0
24
0
22
28
0
0
28
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
0
0
0
0
0
35
46
9
0
0
0
3
0
0
0
0
0
6
0
0
0
0
0
-20
-15
-5
34
34
0
0
9
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
59
35
24
0
30
28
0
0
28
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
5
1
0
3
0
1
0
0
0
0
0
35
46
9
0
0
0
3
0
0
0
0
0
6
0
0
0
0
0
-20
-15
-5
36.6
21.8
14.8
0.0
19.0
17.8
0.0
0.0
17.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.1
0.7
0.0
1.9
0.0
0.5
0.3
0.3
0.0
0.0
0.0
22.0
28.9
5.5
0.0
0.0
0.0
1.6
0.0
0.0
0.0
0.0
0.0
3.9
0.0
0.0
0.0
0.0
0.0
-12.4
-9.4
-3.0
4
4
0
0
31
0
0
0
0
0
0
0
0
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
7
5
0
3
0
0
1
1
0
0
0
50
58
11
0
0
0
3
0
0
0
0
0
8
0
0
0
0
0
-19
-18
0
28
28
0
0
230
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
32
32
0
0
261
0
0
0
0
0
0
0
0
0
0
0
1
5
0
0
0
0
0
0
0
0
0
0
7
5
0
3
0
0
1
1
0
0
0
50
58
11
0
0
0
3
0
0
0
0
0
8
0
0
0
0
0
-19
-18
0
8.8
8.8
0.0
0.0
73.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
1.3
0.0
0.7
0.0
0.1
0.2
0.2
0.0
0.0
0.0
14.1
16.2
3.2
0.0
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
2.3
0.0
0.0
0.0
0.0
0.0
-5.3
-5.2
-0.1
Total Liabilities
117
43
160
100.0
99
258
357
100.0
II-171
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
7
4
3
30
0
30
24
0
24
0
48
41
0
6
0
0
0
83
4
79
33
0
33
0
0
0
0
48
42
0
6
0
0
0
89
8
81
64
0
64
24
0
24
0
0
0
0
0
0
0
0
4
0
4
89
0
89
61
0
61
0
65
39
0
12
0
0
13
76
0
76
89
0
89
0
0
0
0
65
39
0
12
0
0
13
79
0
79
179
0
179
61
0
61
0
62
163
225
154
229
383
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-172
Dec. 2014
31
9
0
12
6
5
0
6
1
4
1
0
0
25
0
1
1
0
-16
-1
-32
16
8
17
6
5
0
18
9
-7
0
0
0
-7
2
-5
0
0
0
109
24
0
41
37
6
0
9
0
8
0
0
0
100
-1
1
1
0
-77
-2
-270
195
7
29
3
3
0
26
14
0
0
0
0
0
0
0
0
0
0
-5
0
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
23.3
16.9
22.0
14.1
19.4
11.5
87.3
-177.1
0.8
0.2
53.8
52.6
73.0
27.7
171.1
65.5
41.1
11.6
56.0
95.5
36.6
8.8
19.0
73.1
Assets Quality
28.0
13.1
27.5
31.9
75.1
360.7
19.3
5.8
4.2
3.1
78.2
45.7
2.6
2.6
51.8
92.4
Liquidity
37.5
50.5
111.4
150.6
3.4
4.6
Profitability
-3.0
-0.1
-13.6
-1.0
-4.1
-0.1
12.7
27.2
121.3
331.2
-5.2
-19.8
11.1
7.4
48.5
53.0
-46.6
-267.6
II-173
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
8
0
0
0
0
0
0
0
0
0
0
0
0
202
0
0
202
57
0
57
0
8
8
0
0
8
8
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
5
4
1
0
6
44
0
0
0
0
0
0
0
0
0
0
0
7
0
0
0
0
0
0
0
0
5
4
0
0
4
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52
1
1
0
0
1
0
0
0
0
0
0
7
202
0
0
202
57
0
57
0
12
12
0
0
12
9
9
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
5
4
1
0
6
15.1
0.2
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
2.0
58.9
0.0
0.0
58.9
16.6
0.0
16.6
0.0
3.6
3.6
0.0
0.0
3.6
2.6
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.0
0.1
0.0
1.5
1.2
0.4
0.0
1.8
24
16
16
11
0
5
0
0
0
0
0
0
0
757
0
0
757
68
0
68
0
141
141
0
0
141
10
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
4
3
1
0
25
101
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
22
22
0
0
22
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
125
16
16
11
0
5
0
0
0
0
0
0
2
757
0
0
757
68
0
68
0
164
163
0
0
163
11
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
1
0
4
3
1
0
33
10.7
1.4
1.4
0.9
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.2
64.7
0.0
0.0
64.7
5.8
0.0
5.8
0.0
14.0
14.0
0.0
0.0
14.0
0.9
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.3
0.2
0.1
0.0
2.8
Total Assets
288
55
343
100.0
1,037
133
1,170
100.0
II-174
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
51
1
50
1
0
0
0
0
0
0
0
0
0
0
0
0
1
6
0
0
0
0
0
0
0
0
0
0
7
1
0
5
0
2
0
0
0
0
0
212
37
24
0
0
0
2
0
0
0
0
0
23
0
0
0
0
0
151
136
15
64
0
64
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
115
1
114
1
0
0
0
0
0
0
0
0
0
0
0
0
1
6
0
0
0
0
0
0
0
0
0
0
7
1
0
5
0
2
0
0
0
0
0
212
37
24
0
0
0
2
0
0
0
0
0
23
0
0
0
0
0
151
136
15
33.6
0.3
33.3
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
0.2
0.0
1.5
0.0
0.5
0.1
0.1
0.0
0.0
0.0
61.9
10.8
7.1
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
6.6
0.0
0.0
0.0
0.0
0.0
44.0
39.6
4.4
116
5
112
5
1
0
0
0
0
0
0
0
0
0
0
0
1
25
0
0
0
0
0
0
0
0
0
0
8
3
0
3
0
2
1
1
0
0
0
248
46
31
0
0
0
2
0
0
0
0
0
28
0
0
0
0
0
170
134
36
105
7
98
0
656
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
221
12
209
5
657
0
0
0
0
0
0
0
0
0
0
0
1
28
0
0
0
0
0
0
0
0
0
0
8
3
0
3
0
2
1
1
0
0
0
248
46
31
0
0
0
2
0
0
0
0
0
28
0
0
0
0
0
170
134
36
18.9
1.0
17.9
0.4
56.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
2.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.3
0.0
0.3
0.0
0.2
0.1
0.1
0.0
0.0
0.0
21.2
4.0
2.6
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
2.4
0.0
0.0
0.0
0.0
0.0
14.6
11.5
3.1
Total Liabilities
278
65
343
100.0
404
765
1,170
100.0
II-175
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
Dec. 2014
FC
TC
Total
25
25
0
0
0
0
0
39
2
37
39
0
39
6
6
0
0
103
103
0
0
0
0
0
87
2
85
121
0
121
3
3
0
0
128
128
0
0
0
0
0
126
4
122
160
0
160
9
9
0
0
35
35
0
0
0
0
0
147
10
137
900
0
900
24
24
0
0
227
174
7
44
0
0
3
296
9
287
1,185
0
1,185
5
5
0
0
262
209
7
44
0
0
3
443
19
424
2,085
0
2,085
29
29
0
0
108
314
422
1,106
1,714
2,820
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-176
Dec. 2014
66
6
1
1
53
5
0
5
3
1
0
0
0
61
11
11
0
0
-33
0
65
-98
5
44
0
0
0
26
9
19
0
0
0
19
-3
15
0
0
0
93
20
0
2
64
8
0
11
9
2
0
0
0
82
30
30
0
0
-44
0
48
-92
11
78
1
0
1
33
12
45
0
0
0
45
-9
36
0
0
0
15
36
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
93.5
40.7
61.9
21.2
61.6
21.0
-4.3
-234.9
-0.3
2.1
83.9
88.6
81.0
34.6
85.1
17.4
44.2
52.5
62.7
86.3
33.6
18.9
0.0
56.2
Assets Quality
16.8
7.2
3.6
14.0
10.8
74.1
71.4
6.7
1.6
0.2
97.8
97.6
0.3
0.2
2.0
0.3
Liquidity
92.8
82.7
277.0
109.7
78.0
73.9
Profitability
4.4
3.1
7.1
14.5
5.4
3.8
17.8
7.0
137.8
104.8
-4.9
-0.3
7.5
2.8
35.5
36.5
-65.8
-11.7
II-177
7XUNODQG%DQN$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
17
0
0
0
0
0
0
0
0
0
0
0
8
17
0
0
17
229
0
229
0
1,178
1,121
0
0
1,121
83
27
0
8
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
4
0
4
0
2
0
1
0
16
194
0
0
0
0
0
0
0
0
0
0
0
125
0
0
0
0
0
0
0
0
181
181
0
0
181
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
211
0
0
0
0
0
0
0
0
0
0
0
133
17
0
0
17
229
0
229
0
1,358
1,302
0
0
1,302
83
27
0
8
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
4
0
4
0
2
0
1
0
16
10.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.7
0.9
0.0
0.0
0.9
11.5
0.0
11.5
0.0
68.1
65.3
0.0
0.0
65.3
4.2
1.3
0.0
0.4
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
0.8
23
0
0
0
0
0
0
0
0
0
0
0
28
0
0
0
0
333
0
333
0
1,222
1,200
0
0
1,200
41
19
0
43
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
8
0
8
0
2
0
2
0
11
182
0
0
0
0
0
0
0
0
0
0
0
90
0
0
0
0
0
0
0
0
225
225
0
0
225
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
205
0
0
0
0
0
0
0
0
0
0
0
117
0
0
0
0
333
0
333
0
1,446
1,424
0
0
1,424
41
19
0
43
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
8
0
8
0
2
0
2
0
11
9.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.4
0.0
0.0
0.0
0.0
15.2
0.0
15.2
0.0
66.1
65.1
0.0
0.0
65.1
1.9
0.9
0.0
2.0
2.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.4
0.0
0.4
0.0
0.1
0.0
0.1
0.0
0.5
Total Assets
1,495
499
1,994
100.0
1,690
497
2,187
100.0
II-178
December 2015
7XUNODQG%DQN$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
946
5
941
0
6
68
0
0
68
0
0
0
0
0
0
0
8
19
0
0
0
0
0
0
0
0
0
0
21
14
0
4
0
3
5
5
0
0
0
255
223
0
0
0
-9
0
0
0
0
0
0
9
27
1
0
22
4
5
0
5
590
2
588
0
71
0
0
0
0
0
0
0
0
0
0
0
4
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,536
7
1,529
0
77
68
0
0
68
0
0
0
0
0
0
0
13
20
0
0
0
0
0
0
0
0
0
0
21
14
0
4
0
3
5
5
0
0
0
255
223
0
0
0
-9
0
0
0
0
0
0
9
27
1
0
22
4
5
0
5
77.0
0.3
76.7
0.0
3.9
3.4
0.0
0.0
3.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.7
0.0
0.2
0.0
0.2
0.2
0.2
0.0
0.0
0.0
12.8
11.2
0.0
0.0
0.0
-0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.4
1.4
0.1
0.0
1.1
0.2
0.2
0.0
0.2
927
37
890
0
6
185
0
0
185
0
0
0
0
0
0
0
23
17
0
0
0
0
0
0
0
0
0
0
26
14
0
5
0
8
6
6
0
0
0
324
279
11
0
0
0
0
0
0
0
0
0
11
20
1
0
16
3
14
0
14
615
2
613
0
53
0
0
0
0
0
0
0
0
0
0
0
4
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,542
39
1,503
0
59
185
0
0
185
0
0
0
0
0
0
0
27
17
0
0
0
0
0
0
0
0
0
0
26
14
0
5
0
8
6
6
0
0
0
324
279
11
0
0
0
0
0
0
0
0
0
11
20
1
0
16
3
14
0
14
70.5
1.8
68.7
0.0
2.7
8.5
0.0
0.0
8.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.6
0.0
0.2
0.0
0.4
0.3
0.3
0.0
0.0
0.0
14.8
12.8
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.9
0.0
0.0
0.7
0.1
0.6
0.0
0.6
1,328
666
1,994
100.0
1,514
673
2,187
100.0
II-179
7XUNODQG%DQN$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
532
532
0
0
0
0
0
60
60
0
12
0
12
26,582
216
26,366
0
234
128
1
52
0
0
53
5
5
0
23
0
23
2,168
15
2,154
0
766
660
1
52
0
0
53
65
65
0
35
0
35
28,750
231
28,519
0
585
585
0
0
0
0
0
68
68
0
38
0
38
31,640
257
31,383
0
293
171
1
71
0
0
51
7
7
0
59
0
59
2,821
28
2,793
0
878
755
1
71
0
0
51
75
75
0
97
0
97
34,461
285
34,176
0
27,186
2,430
29,616
32,331
3,180
35,511
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-180
Dec. 2014
175
149
2
0
0
23
1
112
98
2
10
0
2
63
10
10
1
0
-1
0
-2
1
8
80
17
14
3
56
29
7
0
0
0
7
-2
5
0
0
0
190
158
0
0
0
31
1
112
94
2
15
0
1
78
12
13
1
0
0
0
-9
9
16
107
19
13
4
70
31
17
0
0
0
17
-4
14
0
0
0
5
14
December 2015
7XUNODQG%DQN$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.6
18.5
12.8
14.8
8.9
12.5
4.0
3.5
0.0
3.8
75.0
77.3
66.6
69.2
74.9
73.8
61.6
60.1
86.7
84.5
77.0
70.5
3.9
2.7
Assets Quality
11.9
17.2
68.1
66.1
88.4
93.8
6.1
2.8
4.1
1.5
32.0
46.7
3.8
2.3
0.2
0.9
Liquidity
29.6
30.0
59.5
53.1
13.6
17.6
0.2
0.6
2.0
4.2
0.3
0.8
Profitability
2.4
3.0
61.0
61.1
0.9
1.3
2.8
3.2
52.6
44.0
30.5
41.1
II-181
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
774
466
398
23
16
359
0
68
0
0
68
0
95
0
0
0
0
6,601
13
6,368
220
34,390
34,104
263
0
33,841
1,509
1,223
0
4,106
4,101
5
13
0
13
11
1
725
689
36
0
0
0
0
0
0
0
0
0
0
31
21
10
0
1,053
63
0
63
131
131
0
131
119
807
7,845
168
168
8
0
149
11
0
0
0
0
0
3,965
21
0
21
0
431
102
61
268
20,145
20,145
810
0
19,335
0
0
0
3,350
1,991
1,359
0
0
0
0
0
799
799
0
0
0
0
0
0
0
0
0
0
0
203
3
200
0
0
0
0
0
0
0
0
0
0
731
8,619
633
566
30
16
508
11
68
0
0
68
0
4,060
21
0
21
0
7,032
115
6,429
488
54,535
54,249
1,073
0
53,175
1,509
1,223
0
7,455
6,092
1,364
13
0
13
11
1
1,524
1,488
36
0
0
0
0
0
0
0
0
0
0
233
23
210
0
1,054
63
0
63
131
131
0
131
119
1,538
9.9
0.7
0.6
0.0
0.0
0.6
0.0
0.1
0.0
0.0
0.1
0.0
4.7
0.0
0.0
0.0
0.0
8.1
0.1
7.4
0.6
62.6
62.2
1.2
0.0
61.0
1.7
1.4
0.0
8.6
7.0
1.6
0.0
0.0
0.0
0.0
0.0
1.7
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.2
0.0
1.2
0.1
0.0
0.1
0.1
0.2
0.0
0.2
0.1
1.8
756
452
365
16
27
322
0
87
0
0
87
0
610
0
0
0
0
8,269
15
7,521
734
36,739
36,470
277
0
36,193
1,419
1,149
0
5,754
5,742
12
16
0
16
14
2
205
160
45
0
0
0
0
0
0
0
0
0
0
20
13
6
0
583
75
0
75
63
160
0
160
73
924
10,019
358
358
3
0
233
121
0
0
0
0
0
3,017
35
0
35
0
348
27
260
61
20,873
20,873
816
0
20,057
0
0
0
3,278
1,995
1,283
0
0
0
0
0
1,197
1,197
0
0
0
0
0
0
0
0
0
0
0
52
0
52
0
0
0
0
0
0
0
0
0
0
206
10,775
810
723
20
27
555
121
87
0
0
87
0
3,627
35
0
35
0
8,617
42
7,781
794
57,612
57,343
1,093
0
56,250
1,419
1,149
0
9,031
7,736
1,295
16
0
16
14
2
1,402
1,357
45
0
0
0
0
0
0
0
0
0
0
71
13
58
0
583
75
0
75
63
160
0
160
73
1,130
11.5
0.9
0.8
0.0
0.0
0.6
0.1
0.1
0.0
0.0
0.1
0.0
3.9
0.0
0.0
0.0
0.0
9.2
0.0
8.3
0.8
61.2
61.0
1.2
0.0
59.8
1.5
1.2
0.0
9.6
8.2
1.4
0.0
0.0
0.0
0.0
0.0
1.5
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.6
0.1
0.0
0.1
0.1
0.2
0.0
0.2
0.1
1.2
Total Assets
49,502
37,658
87,160
100.0
54,700
39,381
94,082
100.0
II-182
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
22,762
374
22,387
572
871
4,291
0
0
4,291
1,167
271
0
896
0
0
0
2,444
685
0
4
4
0
0
0
4
4
0
0
1,435
1,013
0
181
0
240
216
216
0
0
0
10,473
1,439
906
4
0
87
559
0
0
1
16
0
239
6,961
396
0
6,564
0
1,167
0
1,167
25,523
163
25,360
203
10,588
873
0
0
873
3,699
55
0
3,644
0
0
0
413
626
0
0
0
0
0
0
82
72
10
0
22
15
0
0
0
6
11
11
0
0
55
144
0
78
0
0
64
0
0
0
0
14
0
0
66
4
0
1
60
0
0
0
48,285
537
47,748
776
11,459
5,164
0
0
5,164
4,866
326
0
4,540
0
0
0
2,857
1,311
0
4
4
0
0
0
86
76
10
0
1,456
1,029
0
181
0
246
226
226
0
0
55
10,617
1,439
984
4
0
151
559
0
0
1
30
0
239
7,026
400
0
6,566
60
1,167
0
1,167
55.4
0.6
54.8
0.9
13.1
5.9
0.0
0.0
5.9
5.6
0.4
0.0
5.2
0.0
0.0
0.0
3.3
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.7
1.2
0.0
0.2
0.0
0.3
0.3
0.3
0.0
0.0
0.1
12.2
1.7
1.1
0.0
0.0
0.2
0.6
0.0
0.0
0.0
0.0
0.0
0.3
8.1
0.5
0.0
7.5
0.1
1.3
0.0
1.3
26,758
493
26,265
458
1,700
2,105
0
0
2,105
1,687
468
0
1,219
0
0
0
2,619
773
0
0
0
0
0
0
43
43
0
0
1,562
1,029
0
214
0
318
274
274
0
0
0
10,482
1,805
440
5
0
71
75
0
0
1
-22
0
310
6,862
481
0
6,381
0
1,375
0
1,375
24,945
180
24,765
218
12,191
2,789
0
0
2,789
4,051
0
0
4,051
0
0
0
310
252
0
0
0
0
0
0
77
48
29
0
25
17
0
0
0
8
10
10
0
0
60
692
0
633
0
0
640
0
0
0
0
-7
0
0
59
5
0
1
53
0
0
0
51,703
673
51,030
677
13,891
4,893
0
0
4,893
5,738
468
0
5,270
0
0
0
2,929
1,024
0
0
0
0
0
0
120
91
29
0
1,587
1,046
0
214
0
327
284
284
0
0
60
11,174
1,805
1,073
5
0
712
75
0
0
1
-30
0
310
6,921
486
0
6,382
53
1,375
0
1,375
55.0
0.7
54.2
0.7
14.8
5.2
0.0
0.0
5.2
6.1
0.5
0.0
5.6
0.0
0.0
0.0
3.1
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
1.7
1.1
0.0
0.2
0.0
0.3
0.3
0.3
0.0
0.0
0.1
11.9
1.9
1.1
0.0
0.0
0.8
0.1
0.0
0.0
0.0
0.0
0.0
0.3
7.4
0.5
0.0
6.8
0.1
1.5
0.0
1.5
Total Liabilities
44,922
42,238
87,160
100.0
48,462
45,619
94,082
100.0
II-183
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
5,092
5,081
7
4
0
0
0
12,819
12,818
1
31,573
2,436
29,138
183,827
13,206
170,621
0
11,389
5,940
520
4,892
0
0
37
4,424
4,423
0
55,440
5,813
49,626
133,673
11,165
122,508
0
16,481
11,021
527
4,896
0
0
37
17,243
17,241
1
87,013
8,249
78,764
317,500
24,371
293,129
0
5,221
5,217
4
0
0
0
0
16,128
16,110
18
30,401
3,491
26,909
215,292
16,106
199,185
0
10,569
6,474
347
3,711
0
0
37
4,585
4,585
0
49,356
3,999
45,356
158,313
10,324
147,989
0
15,790
11,691
351
3,711
0
0
37
20,713
20,695
18
79,757
7,491
72,266
373,605
26,431
347,175
0
233,311
204,925
438,236
267,042
222,823
489,865
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
5,970
4,677
22
25
1
1,185
59
2,803
1,948
321
240
287
7
3,167
1,002
1,310
308
2
-369
176
-765
220
314
4,116
760
535
193
2,016
759
1,339
0
137
0
1,477
-309
1,167
0
0
0
6,483
4,775
1
60
2
1,585
61
3,285
2,194
427
324
335
5
3,199
1,267
1,602
335
1
-83
-62
-474
452
207
4,591
776
500
186
2,025
829
1,789
0
0
0
1,789
-414
1,375
0
0
0
Net Profit/Losses
1,167
1,375
II-184
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
15.0
15.2
12.2
11.9
8.7
9.3
-25.1
-30.3
5.5
-6.1
56.8
58.1
51.5
51.5
89.2
86.3
47.1
51.8
63.1
63.8
55.4
55.0
13.1
14.8
Assets Quality
17.6
19.7
62.6
61.2
112.9
111.4
2.8
2.5
0.5
0.5
81.0
81.0
3.5
2.6
33.0
35.0
Liquidity
23.4
25.4
46.0
53.3
9.1
10.7
Profitability
1.3
1.5
11.0
12.3
1.7
1.9
3.0
2.9
64.0
58.8
1.1
1.5
2.3
2.2
37.7
40.9
47.1
68.7
II-185
II-187
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
47
3
3
0
0
3
0
0
0
0
0
0
6
1
0
0
1
241
0
215
25
1,448
1,439
673
0
766
32
23
0
53
49
4
0
0
0
0
0
42
0
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
76
24
0
24
0
0
0
0
0
113
267
0
0
0
0
0
0
0
0
0
0
0
64
0
0
0
0
25
0
11
14
172
172
93
0
79
0
0
0
0
0
0
4
0
4
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
314
3
3
0
0
3
0
0
0
0
0
0
70
1
0
0
1
266
0
226
39
1,619
1,611
766
0
845
32
23
0
53
49
4
4
0
4
4
0
42
0
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
76
24
0
24
0
0
0
0
0
118
12.1
0.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
2.7
0.1
0.0
0.0
0.1
10.2
0.0
8.7
1.5
62.5
62.2
29.6
0.0
32.6
1.2
0.9
0.0
2.1
1.9
0.2
0.2
0.0
0.2
0.2
0.0
1.6
0.0
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.9
0.0
0.9
0.0
0.0
0.0
0.0
0.0
4.5
53
2
2
0
0
0
2
0
0
0
0
0
8
11
0
0
11
357
0
319
38
1,662
1,640
886
0
754
52
29
0
7
0
7
0
0
0
0
0
43
0
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
69
23
0
23
0
0
0
0
30
68
217
0
0
0
0
0
0
0
0
0
0
0
45
0
0
0
0
17
0
17
0
70
70
4
0
66
0
0
0
0
0
0
5
0
5
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
269
2
2
0
0
0
2
0
0
0
0
0
53
11
0
0
11
374
0
336
38
1,732
1,710
889
0
820
52
29
0
7
0
7
5
0
5
5
0
43
0
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
69
23
0
23
0
0
0
0
30
72
10.0
0.1
0.1
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
2.0
0.4
0.0
0.0
0.4
13.9
0.0
12.5
1.4
64.4
63.5
33.1
0.0
30.5
1.9
1.1
0.0
0.3
0.0
0.3
0.2
0.0
0.2
0.2
0.0
1.6
0.0
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
0.9
0.0
0.9
0.0
0.0
0.0
0.0
1.1
2.7
Total Assets
2,054
537
2,591
100.0
2,333
357
2,691
100.0
II-188
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
0
0
0
3
54
151
15
0
136
740
50
0
690
28
28
0
46
7
0
0
0
0
0
0
0
0
0
0
41
31
0
4
0
6
7
6
1
0
0
323
296
-7
0
0
-7
0
0
0
0
0
0
0
7
7
0
0
0
28
0
28
0
0
0
0
805
19
0
0
19
160
0
0
160
71
71
0
133
1
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-1
0
-1
0
0
-1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
858
170
15
0
155
900
50
0
850
99
99
0
179
8
0
3
3
0
0
0
0
0
0
0
41
31
0
4
0
6
7
6
1
0
0
322
296
-8
0
0
-8
0
0
0
0
0
0
0
7
7
0
0
0
28
0
28
0.0
0.0
0.0
0.1
33.1
6.6
0.6
0.0
6.0
34.7
1.9
0.0
32.8
3.8
3.8
0.0
6.9
0.3
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
1.2
0.0
0.2
0.0
0.2
0.3
0.2
0.1
0.0
0.0
12.4
11.4
-0.3
0.0
0.0
-0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.0
1.1
0.0
1.1
0
0
0
1
81
78
0
0
78
1,052
618
0
433
51
51
0
36
7
0
0
0
0
0
0
0
0
0
0
53
41
0
10
0
2
5
5
1
0
0
381
300
2
0
0
2
0
0
0
0
0
0
0
45
7
0
38
0
35
0
35
0
0
0
0
563
6
0
0
6
242
242
0
0
124
124
0
0
4
0
4
5
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
645
84
0
0
84
1,293
860
0
433
175
175
0
37
11
0
4
5
0
0
1
0
0
0
0
53
41
0
10
0
2
5
5
1
0
0
382
300
2
0
0
3
0
0
0
0
0
0
0
45
7
0
38
0
35
0
35
0.0
0.0
0.0
0.0
24.0
3.1
0.0
0.0
3.1
48.1
32.0
0.0
16.1
6.5
6.5
0.0
1.4
0.4
0.0
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
1.5
0.0
0.4
0.0
0.1
0.2
0.2
0.0
0.0
0.0
14.2
11.1
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.3
0.0
1.4
0.0
1.3
0.0
1.3
1,399
1,192
2,591
100.0
1,746
945
2,691
100.0
II-189
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
118
115
0
0
0
0
4
2,642
886
1,756
333
0
333
11,330
9,890
1,440
0
98
92
0
6
0
0
0
202
202
0
381
0
381
1,434
220
1,214
0
216
206
0
6
0
0
4
2,844
1,088
1,756
714
0
714
12,764
10,110
2,654
0
216
212
0
0
0
0
5
3,441
1,145
2,297
162
0
162
13,671
12,600
1,071
0
210
161
0
23
0
0
25
331
331
0
270
0
270
1,174
257
916
0
426
373
0
23
0
0
30
3,772
1,475
2,297
433
0
433
14,844
12,857
1,987
0
14,423
2,116
16,539
17,491
1,984
19,475
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-190
Dec. 2014
234
204
1
1
1
26
1
129
0
24
11
93
0
104
20
32
11
0
0
5
-5
1
30
155
18
10
3
102
40
35
0
0
0
35
-7
28
0
0
0
243
218
0
0
1
24
0
138
0
25
13
95
5
106
15
25
10
0
-4
4
-13
5
45
161
20
8
11
101
48
41
0
0
0
41
-6
35
0
0
0
28
35
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
13.6
12.7
12.4
14.2
6.5
7.0
-49.7
-5.5
2.6
0.4
79.3
86.7
54.0
64.9
45.0
37.8
-
-
89.4
96.0
0.0
0.0
33.1
24.0
Assets Quality
12.4
14.2
62.5
64.4
-
-
2.0
3.0
0.5
1.3
73.8
56.5
6.0
7.2
26.4
30.8
Liquidity
25.3
26.4
59.4
59.5
11.5
16.0
1.1
1.3
8.6
9.1
1.4
1.5
Profitability
3.6
3.6
60.7
60.4
2.0
2.1
3.9
3.7
38.9
47.9
49.7
55.4
II-191
%DQN3R]LWLI.UHGLYH.DONÕQPD%DQNDVÕ$ù
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
2
2
2
2
0
0
0
0
0
0
0
0
0
39
0
39
0
21
0
21
0
151
139
0
0
139
21
9
0
2
0
2
0
0
0
0
0
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
3
0
3
20
5
0
5
0
2
52
2
2
0
0
2
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
276
276
0
0
276
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
11
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
20
54
4
4
2
0
2
0
0
0
0
0
0
4
39
0
39
0
21
0
21
0
427
415
0
0
415
21
9
0
2
0
2
0
0
0
0
0
1
0
1
0
0
0
0
0
11
11
0
0
1
0
0
0
0
1
3
0
3
20
5
0
5
0
22
8.8
0.6
0.6
0.3
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.7
6.4
0.0
6.4
0.0
3.4
0.0
3.4
0.0
69.6
67.5
0.0
0.0
67.5
3.4
1.4
0.0
0.4
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
1.7
1.9
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.1
0.5
0.0
0.5
3.2
0.9
0.0
0.9
0.0
3.5
1
3
3
1
0
2
0
0
0
0
0
0
43
0
0
0
0
51
0
48
3
223
204
0
0
204
30
11
0
0
0
0
0
0
0
0
0
2
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
5
0
5
24
4
0
4
0
3
50
2
2
0
0
2
0
0
0
0
0
0
8
0
0
0
0
0
0
0
0
285
285
0
0
285
0
0
0
0
0
0
0
0
0
0
0
63
63
0
0
0
0
0
0
15
16
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
12
51
5
5
1
0
5
0
0
0
0
0
0
51
0
0
0
0
51
0
48
3
508
489
0
0
489
30
11
0
0
0
0
0
0
0
0
0
65
63
2
0
0
0
0
0
15
16
0
0
1
0
0
0
0
1
5
0
5
24
4
0
4
0
15
6.4
0.7
0.7
0.1
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
6.4
0.0
0.0
0.0
0.0
6.4
0.0
6.1
0.4
63.8
61.4
0.0
0.0
61.4
3.8
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.1
7.9
0.2
0.0
0.0
0.0
0.0
0.0
1.9
2.1
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.2
0.6
0.0
0.6
3.0
0.5
0.0
0.5
0.0
1.9
Total Assets
250
364
614
100.0
360
435
796
100.0
II-192
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
3
5
0
0
5
72
0
0
72
1
1
0
4
1
0
0
0
0
0
0
0
0
0
0
9
5
0
1
0
3
1
1
0
0
0
114
116
14
7
0
1
0
0
0
0
0
0
6
39
6
0
34
0
-55
-23
-32
0
0
0
11
230
0
0
0
0
150
0
0
150
2
2
0
12
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
233
5
0
0
5
222
0
0
222
3
3
0
15
1
0
0
0
0
0
0
0
0
0
0
9
5
0
1
0
3
1
1
0
0
0
114
116
14
7
0
1
0
0
0
0
0
0
6
39
6
0
34
0
-55
-23
-32
0.0
0.0
0.0
1.8
38.0
0.8
0.0
0.0
0.8
36.1
0.0
0.0
36.1
0.4
0.4
0.0
2.5
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.9
0.0
0.1
0.0
0.5
0.2
0.2
0.0
0.0
0.0
18.5
18.8
2.3
1.1
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
1.0
6.4
0.9
0.0
5.5
0.0
-9.0
-3.7
-5.3
0
0
0
0
13
11
0
0
11
167
0
0
167
2
2
0
8
1
0
0
0
0
0
0
0
0
0
0
11
6
0
0
0
4
1
1
0
0
0
184
145
18
9
0
2
0
0
0
0
0
0
8
49
7
0
42
0
-29
0
-29
0
0
0
13
219
0
0
0
0
152
0
0
152
1
1
0
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13
232
11
0
0
11
319
0
0
319
3
3
0
21
1
0
0
0
0
0
0
0
0
0
0
11
6
0
0
0
4
1
1
0
0
0
184
145
18
9
0
2
0
0
0
0
0
0
8
49
7
0
42
0
-29
0
-29
0.0
0.0
0.0
1.7
29.2
1.4
0.0
0.0
1.4
40.1
0.0
0.0
40.1
0.4
0.4
0.0
2.7
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.8
0.0
0.1
0.0
0.5
0.1
0.1
0.0
0.0
0.0
23.1
18.2
2.3
1.1
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
1.0
6.2
0.9
0.0
5.3
0.0
-3.6
0.0
-3.6
Total Liabilities
210
405
614
100.0
398
398
796
100.0
II-193
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
90
90
0
0
0
0
0
0
0
0
97
0
97
429
24
405
0
157
127
0
23
0
0
7
10
10
0
185
0
185
1,678
200
1,479
0
247
216
0
23
0
0
7
10
10
0
282
0
282
2,107
223
1,884
0
148
148
0
0
0
0
0
2
1
1
168
0
168
499
36
463
0
183
133
2
35
0
0
13
7
7
0
304
0
304
1,667
230
1,437
0
332
281
2
35
0
0
13
9
8
1
472
0
472
2,166
266
1,900
0
615
2,030
2,646
817
2,161
2,978
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
46
41
0
1
1
2
1
29
0
8
1
19
1
17
3
3
0
0
-3
0
-16
13
3
20
5
5
0
48
9
-34
0
0
0
-34
2
-32
0
0
0
64
51
0
1
0
10
1
39
0
16
3
20
1
25
3
4
0
0
4
1
-5
9
17
50
62
12
2
25
10
-37
0
0
0
-37
8
-29
0
0
0
Net Profit/Losses
-32
-29
II-194
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
17.1
20.7
18.5
23.1
15.6
11.8
-9.5
63.0
0.8
0.3
40.7
45.3
34.1
50.0
90.0
109.3
-
-
35.3
43.9
0.0
0.0
38.0
29.2
Assets Quality
4.4
7.1
69.6
63.8
-
-
4.9
6.0
2.9
3.8
41.3
36.5
2.9
11.3
7.8
12.0
Liquidity
19.9
19.9
338.7
109.4
10.5
12.3
Profitability
-5.3
-3.6
-28.4
-15.5
-5.5
-4.6
2.0
1.6
62.9
25.6
0.4
3.1
7.9
3.1
18.0
40.7
4.9
100.6
II-195
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
1
0
0
1
35
35
24
0
11
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
0
0
0
0
1
0
0
1
35
35
24
0
11
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0.3
0.1
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
17.4
0.0
0.0
0.0
0.0
1.7
0.1
0.0
1.6
79.1
79.1
53.6
0.0
25.5
2.3
2.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.3
0
0
0
0
0
0
0
0
0
0
0
0
5
0
0
0
0
1
0
0
1
39
39
17
0
22
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
4
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
1
0
0
1
39
39
17
0
22
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
8.3
0.1
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
12.5
0.0
0.0
0.0
0.0
1.8
0.1
0.0
1.7
76.0
76.0
32.4
0.0
43.5
2.5
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
1.1
Total Assets
37
7
44
100.0
46
5
52
100.0
II-196
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
1
1
0
0
0
38
21
1
0
0
0
0
0
0
0
0
0
1
14
1
0
13
0
3
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
5
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
5
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
1
1
0
0
0
38
21
1
0
0
0
0
0
0
0
0
0
1
14
1
0
13
0
3
0
3
0.0
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.7
11.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.7
0.0
0.4
0.0
0.0
1.7
1.7
0.0
0.0
0.0
85.2
46.6
1.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
31.0
1.7
0.0
29.2
0.0
5.8
0.0
5.8
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
1
1
0
0
0
44
26
1
0
0
0
0
0
0
0
0
0
1
15
1
0
14
0
2
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
5
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
6
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
1
1
0
0
0
44
26
1
0
0
0
0
0
0
0
0
0
1
15
1
0
14
0
2
0
2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.0
12.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.6
0.0
0.8
0.0
0.0
1.4
1.4
0.0
0.0
0.0
85.1
49.9
2.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
28.6
1.6
0.0
27.0
0.0
4.6
0.0
4.6
Total Liabilities
39
5
44
100.0
46
5
52
100.0
II-197
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
36
36
0
0
0
0
0
0
0
0
0
0
0
4
0
4
0
11
6
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
47
42
0
0
0
0
5
0
0
0
0
0
0
4
0
4
0
55
55
0
0
0
0
0
0
0
0
0
0
0
5
0
5
0
15
10
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
70
65
0
0
0
0
5
0
0
0
0
0
0
5
0
5
0
40
11
51
60
15
75
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-198
Dec. 2014
4
3
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
1
0
1
0
0
5
0
0
0
2
1
3
0
0
0
3
-1
3
0
0
0
4
4
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
1
0
0
0
0
5
0
0
0
2
1
3
0
0
0
3
-1
2
0
0
0
3
2
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
51.2
49.7
85.2
85.1
85.1
85.0
5.2
0.0
5.2
0.0
83.7
89.6
88.1
89.6
137.1
100.2
-
-
100.0
100.0
0.0
0.0
0.2
0.0
Assets Quality
1.8
1.9
79.1
76.0
-
-
2.9
3.3
0.0
0.0
100.0
100.0
0.1
0.1
0.0
0.0
Liquidity
19.4
22.7
163.0
188.2
3.1
12.3
5.8
4.6
6.8
5.4
7.3
5.8
Profitability
9.1
8.6
79.7
87.6
2.3
1.2
4.1
4.0
60.3
48.7
57.1
30.8
II-199
Assets
(USD Million)
Dec. 2015
FC
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
89
87
5
0
83
6
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
89
87
5
0
83
6
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15
0.5
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.1
84.5
82.5
4.4
0.0
78.1
5.4
3.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.2
14.1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44
42
0
0
41
8
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
44
42
0
0
41
8
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0.6
0.9
0.9
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.1
93.2
87.1
0.9
0.0
86.2
16.1
10.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
3.6
105
1
106
100.0
47
1
48
100.0
II-200
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
9
0
0
0
0
0
0
0
0
12
12
0
0
2
0
0
0
0
0
0
0
0
0
0
2
1
0
0
0
0
0
0
0
0
0
33
17
1
0
0
0
0
0
0
0
0
0
1
13
1
0
12
0
2
0
2
0
0
0
0
2
0
0
0
0
0
0
0
0
45
45
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
0
0
0
0
0
0
0
0
57
57
0
0
2
0
0
0
0
0
0
0
0
0
0
2
1
0
0
0
0
0
0
0
0
0
33
17
1
0
0
0
0
0
0
0
0
0
1
13
1
0
12
0
2
0
2
0.0
0.0
0.0
0.4
10.6
0.1
0.0
0.0
0.1
0.0
0.0
0.0
0.0
53.8
53.8
0.0
0.1
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
1.3
0.0
0.3
0.0
0.1
0.4
0.4
0.0
0.0
0.0
31.1
16.2
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
12.3
1.2
0.0
11.0
0.1
1.8
0.0
1.8
0
0
0
0
2
0
0
0
0
0
0
0
0
2
2
0
0
2
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
39
21
1
0
0
0
0
0
0
0
0
0
1
14
1
0
13
0
2
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
3
3
0
0
2
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
39
21
1
0
0
0
0
0
0
0
0
0
1
14
1
0
13
0
2
0
2
0.0
0.0
0.0
0.0
4.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.4
6.4
0.0
0.1
3.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.7
1.7
0.0
0.7
0.0
0.2
0.5
0.5
0.0
0.0
0.0
81.8
45.1
2.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4
29.9
3.0
0.0
26.5
0.3
4.4
0.0
4.4
Total Liabilities
59
47
106
100.0
47
1
48
100.0
II-201
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
Dec. 2014
FC
TC
Total
154
154
0
0
0
0
0
0
0
0
52
0
52
952
1
139
812
21
21
0
0
0
0
0
0
0
0
51
0
51
315
0
14
301
174
174
0
0
0
0
0
0
0
0
103
0
103
1,268
1
153
1,114
180
180
0
0
0
0
0
0
0
0
0
0
0
897
0
85
812
15
15
0
0
0
0
0
0
0
0
0
0
0
131
0
13
118
195
195
0
0
0
0
0
0
0
0
0
0
0
1,027
0
97
930
1,157
387
1,545
1,077
145
1,222
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-202
Dec. 2014
7
7
0
0
0
0
0
2
0
1
0
0
1
5
2
2
0
0
-1
0
-1
0
1
7
1
0
1
3
2
2
0
0
0
2
-1
2
0
0
0
6
6
0
0
0
0
0
1
0
1
0
0
0
5
2
2
0
0
0
0
0
0
0
7
1
1
0
4
2
3
0
0
0
3
-1
2
0
0
0
2
2
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
16.5
24.7
31.1
81.8
28.9
75.5
-129.4
0.3
1.1
0.3
99.2
98.2
55.8
97.8
1.8
79.6
-
-
100.0
100.0
0.0
0.0
10.6
4.8
Assets Quality
0.2
1.0
84.5
93.2
-
-
6.3
17.3
2.3
6.6
63.9
61.8
2.2
6.3
0.1
0.0
Liquidity
1.0
2.8
2.3
43.3
0.3
1.0
1.8
4.4
5.7
5.4
2.4
5.5
Profitability
4.6
8.6
73.6
57.4
1.5
4.5
3.1
7.5
50.4
52.1
47.5
60.2
II-203
øOOHU%DQNDVÕ$ù
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
1,672
0
0
0
0
0
0
0
0
4,131
4,131
0
0
4,131
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
0
0
0
0
113
1
0
1
29
23
0
23
0
49
0
0
0
0
0
0
0
0
0
0
0
0
11
0
0
0
0
0
0
0
0
285
285
0
0
285
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
1,683
0
0
0
0
0
0
0
0
4,416
4,416
0
0
4,416
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
0
0
0
0
113
1
0
1
29
23
0
23
0
50
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
26.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
69.9
69.9
0.0
0.0
69.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.5
0.4
0.0
0.4
0.0
0.8
0
0
0
0
0
0
0
0
0
0
0
0
1,873
0
0
0
0
0
0
0
0
4,676
4,676
0
0
4,676
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
0
0
0
0
66
2
0
2
72
25
0
25
0
23
0
0
0
0
0
0
0
0
0
0
0
0
8
0
0
0
0
0
0
0
0
256
256
0
0
256
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,881
0
0
0
0
0
0
0
0
4,933
4,933
0
0
4,933
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
0
0
0
0
66
2
0
2
72
25
0
25
0
23
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
26.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
70.4
70.4
0.0
0.0
70.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
0.0
1.0
0.4
0.0
0.4
0.0
0.3
Total Assets
6,019
297
6,316
100.0
6,740
264
7,004
100.0
II-204
December 2015
øOOHU%DQNDVÕ$ù
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
0
0
0
0
1,518
0
1,518
32
13
0
0
0
0
0
0
0
0
0
0
114
0
0
33
0
82
38
38
0
0
0
4,303
3,593
303
0
0
0
3
0
0
0
0
0
300
191
148
42
0
0
217
19
197
0
0
0
0
296
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
296
0
0
0
0
0
0
0
0
1,519
0
1,519
33
13
0
0
0
0
0
0
0
0
0
0
114
0
0
33
0
82
38
38
0
0
0
4,303
3,593
303
0
0
0
3
0
0
0
0
0
300
191
148
42
0
0
217
19
197
0.0
0.0
0.0
0.0
4.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.0
0.0
24.0
0.5
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.5
0.0
1.3
0.6
0.6
0.0
0.0
0.0
68.1
56.9
4.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.8
3.0
2.3
0.7
0.0
0.0
3.4
0.3
3.1
0
0
0
0
0
0
0
0
0
0
0
0
0
1,593
0
1,593
27
82
0
0
0
0
0
0
0
0
0
0
127
0
0
38
0
89
39
39
0
0
0
4,871
4,041
380
0
0
0
4
0
0
0
0
0
377
207
174
33
0
0
243
18
225
0
0
0
0
264
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
264
0
0
0
0
0
0
0
0
1,593
0
1,593
27
82
0
0
0
0
0
0
0
0
0
0
127
0
0
38
0
89
39
39
0
0
0
4,871
4,041
380
0
0
0
4
0
0
0
0
0
377
207
174
33
0
0
243
18
225
0.0
0.0
0.0
0.0
3.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.7
0.0
22.7
0.4
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.5
0.0
1.3
0.6
0.6
0.0
0.0
0.0
69.6
57.7
5.4
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
5.4
3.0
2.5
0.5
0.0
0.0
3.5
0.3
3.2
Total Liabilities
6,019
297
6,316
100.0
6,739
265
7,004
100.0
II-205
øOOHU%DQNDVÕ$ù
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
175
175
0
0
0
0
0
2,689
2,689
0
0
0
0
1,306
1,034
272
0
1
1
0
0
0
0
0
940
940
0
0
0
0
151
150
1
0
176
176
0
0
0
0
0
3,629
3,629
0
0
0
0
1,457
1,184
273
0
217
217
0
0
0
0
0
1,732
1,732
0
0
0
0
1,484
1,326
158
0
1
1
0
0
0
0
0
406
406
0
0
0
0
169
167
3
0
218
218
0
0
0
0
0
2,138
2,138
0
0
0
0
1,653
1,492
161
0
4,170
1,092
5,262
3,433
576
4,009
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
360
245
0
113
0
0
2
0
0
0
0
0
0
360
5
5
0
0
0
0
0
0
64
428
11
0
0
149
82
267
0
0
0
267
-70
197
0
0
0
388
321
0
66
0
0
2
1
0
0
0
0
1
388
5
5
0
0
0
0
0
0
106
499
29
0
0
165
94
305
0
0
0
305
-79
225
0
0
0
Net Profit/Losses
197
225
II-206
December 2015
øOOHU%DQNDVÕ$ù
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
57.2
66.0
68.1
69.6
66.3
68.6
0.0
0.0
0.0
0.0
95.3
96.2
95.3
96.2
100.0
99.9
-
-
93.6
94.8
0.0
0.0
4.7
3.8
Assets Quality
0.0
0.0
69.9
70.4
-
-
0.0
0.0
0.0
0.0
100.0
100.0
1.8
1.0
0.2
0.2
Liquidity
26.6
26.9
187.5
187.8
26.5
26.8
3.1
3.2
4.6
4.6
4.2
4.4
Profitability
5.7
5.5
84.1
77.7
1.1
1.6
2.4
2.4
54.9
56.6
45.6
67.4
II-207
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
2
2
2
0
0
0
0
0
0
0
0
1,375
6
0
0
6
0
0
0
0
59
59
49
0
10
1
1
0
62
62
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
28
0
28
0
1
0
1
0
4
0
0
0
0
0
0
0
0
0
0
0
0
886
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
2
0
0
0
0
0
0
0
0
2,261
6
0
0
6
1
1
0
0
59
59
49
0
10
1
1
0
62
62
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
28
0
28
0
1
0
1
0
4
0.0
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
93.0
0.3
0.0
0.0
0.3
0.0
0.0
0.0
0.0
2.4
2.4
2.0
0.0
0.4
0.0
0.0
0.0
2.5
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.1
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.2
0
1
1
1
0
0
0
0
0
0
0
0
1,388
11
0
0
11
1
1
0
0
73
73
40
0
33
1
1
0
72
72
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
1
0
1
0
2
0
2
0
14
0
0
0
0
0
0
0
0
0
0
0
0
792
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
1
0
0
0
0
0
0
0
0
2,179
11
0
0
11
1
1
0
0
73
73
40
0
33
1
1
0
72
72
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
1
0
1
0
2
0
2
0
14
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
92.3
0.5
0.0
0.0
0.5
0.0
0.0
0.0
0.0
3.1
3.1
1.7
0.0
1.4
0.0
0.0
0.0
3.1
3.1
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.6
Total Assets
1,544
886
2,430
100.0
1,570
792
2,362
100.0
II-208
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
0
0
0
0
278
0
0
0
0
0
0
0
0
0
0
0
898
36
0
0
0
0
0
0
0
0
0
0
15
7
0
5
0
3
5
5
0
0
0
312
206
13
11
0
0
0
0
0
0
0
0
1
33
13
0
19
1
61
1
60
0
0
0
0
549
0
0
0
0
0
0
0
0
0
0
0
337
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
827
0
0
0
0
0
0
0
0
0
0
0
1,235
36
0
0
0
0
0
0
0
0
0
0
15
7
0
5
0
3
5
5
0
0
0
312
206
13
11
0
0
0
0
0
0
0
0
1
33
13
0
19
1
61
1
60
0.0
0.0
0.0
0.0
34.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
50.8
1.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.3
0.0
0.2
0.0
0.1
0.2
0.2
0.0
0.0
0.0
12.8
8.5
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
1.4
0.5
0.0
0.8
0.0
2.5
0.0
2.5
0
0
0
0
206
0
0
0
0
0
0
0
0
0
0
0
964
34
0
0
0
0
0
0
0
0
0
0
19
10
0
5
0
4
5
5
0
0
0
344
258
16
14
0
0
0
0
0
0
0
0
2
17
12
0
4
1
53
1
52
0
0
0
0
556
0
0
0
0
0
0
0
0
0
0
0
234
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
762
0
0
0
0
0
0
0
0
0
0
0
1,198
34
0
0
0
0
0
0
0
0
0
0
19
10
0
5
0
4
5
5
0
0
0
344
258
16
14
0
0
0
0
0
0
0
0
2
17
12
0
4
1
53
1
52
0.0
0.0
0.0
0.0
32.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
50.7
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.4
0.0
0.2
0.0
0.2
0.2
0.2
0.0
0.0
0.0
14.6
10.9
0.7
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.7
0.5
0.0
0.2
0.0
2.3
0.0
2.2
1,545
885
2,430
100.0
1,572
790
2,362
100.0
II-209
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
1,929
0
0
0
0
0
1,929
79
79
0
0
0
0
686,652
681,749
4,903
0
0
0
0
0
0
0
0
0
0
0
0
0
0
354
0
354
0
1,929
0
0
0
0
0
1,929
79
79
0
0
0
0
687,006
681,749
5,257
0
2,761
0
0
0
0
0
2,761
92
92
0
0
0
0
628,349
621,773
6,576
0
0
0
0
0
0
0
0
16
0
16
0
0
0
484
0
484
0
2,761
0
0
0
0
0
2,761
108
92
16
0
0
0
628,833
621,773
7,060
0
688,660
354
689,014
631,202
501
631,702
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-210
Dec. 2014
80
3
0
71
0
6
0
13
0
13
0
0
0
67
30
33
3
2
0
0
0
0
1
100
0
0
0
26
15
74
0
0
0
74
-14
60
0
0
0
77
4
0
63
0
10
0
17
0
17
0
0
0
60
31
34
2
3
0
0
0
0
0
94
0
0
0
29
17
65
0
0
0
65
-12
52
0
0
0
60
52
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
26.3
30.2
12.8
14.6
11.4
14.1
0.3
0.5
0.3
0.5
63.5
66.5
63.6
66.5
100.1
100.2
-
-
100.0
100.0
0.0
0.0
34.0
32.2
Assets Quality
2.6
3.1
2.4
3.1
-
-
0.9
1.0
0.0
0.0
100.0
100.0
1.4
0.4
0.0
0.0
Liquidity
93.4
92.8
109.1
112.0
56.9
59.2
Profitability
2.5
2.2
19.2
15.2
3.1
2.7
2.7
2.5
66.6
63.5
1.4
1.5
1.1
1.2
57.3
58.7
129.9
118.2
II-211
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
1
47
47
47
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
2
4
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
0
0
0
0
5
5
0
0
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
47
47
47
0
0
0
0
0
0
0
0
9
0
0
0
0
0
0
0
0
5
5
0
0
5
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0
2
6.6
63.8
63.8
63.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.8
6.8
0.0
0.0
6.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.4
3.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.1
0.0
0.1
0.0
3.3
0.3
3.0
0.0
2.7
1
53
53
53
0
0
0
0
0
0
0
0
24
4
0
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
3
0
3
0
1
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
10
0
0
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
11
53
53
53
0
0
0
0
0
0
0
0
24
4
0
0
4
0
0
0
0
10
10
0
0
10
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
3
0
3
0
3
10.0
47.2
47.2
47.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
21.2
3.8
0.0
0.0
3.8
0.0
0.0
0.0
0.0
8.8
8.8
0.0
0.0
8.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.8
2.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.1
0.0
0.1
0.0
2.7
0.2
2.5
0.0
2.8
Total Assets
56
18
74
100.0
91
22
113
100.0
II-212
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
17
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
0
0
0
0
0
0
0
43
17
0
0
0
0
0
0
0
0
0
0
0
22
1
0
20
0
5
0
5
0
0
0
0
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
17
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
0
0
7
0
0
0
0
0
0
0
43
17
0
0
0
0
0
0
0
0
0
0
0
22
1
0
20
0
5
0
5
0.0
0.0
0.0
0.0
6.8
23.2
0.0
0.0
23.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.4
0.2
0.0
9.8
0.0
0.4
0.5
0.5
0.0
0.0
0.0
58.8
23.2
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
29.1
1.5
0.0
27.7
0.0
6.6
0.0
6.6
0
0
0
0
0
17
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
1
0
0
1
1
0
0
0
48
21
0
0
0
0
0
0
0
0
0
0
0
24
1
0
23
0
3
0
3
0
0
0
0
37
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
0
0
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
37
17
0
0
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
0
0
9
0
0
1
1
0
0
0
48
21
0
0
0
0
0
0
0
0
0
0
0
24
1
0
23
0
3
0
3
0.0
0.0
0.0
0.1
32.8
15.2
0.0
0.0
15.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.6
0.1
0.0
8.2
0.0
0.3
0.5
0.5
0.0
0.0
0.0
42.8
19.0
-0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-0.1
20.9
1.0
0.0
19.9
0.0
2.9
0.0
2.9
Total Liabilities
62
12
74
100.0
68
45
113
100.0
II-213
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
10
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
5
0
22
0
22
0
0
0
0
0
0
0
0
0
0
0
3
3
0
22
0
22
5
0
0
5
0
0
0
0
0
0
0
8
8
0
44
0
44
5
0
0
5
10
0
10
26
30
57
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-214
Dec. 2014
4
0
0
0
1
2
0
1
0
0
1
0
0
3
0
0
0
5
-1
-1
2
-2
13
20
0
0
0
15
10
5
0
0
0
5
0
5
0
0
0
9
0
0
0
2
7
0
4
0
0
4
0
0
5
0
0
0
2
2
4
0
-2
18
26
0
0
0
22
15
4
0
0
0
4
0
3
0
0
0
5
3
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
63.6
59.6
58.8
42.8
54.7
39.4
14.4
-47.8
14.4
-2.9
75.4
80.3
83.9
59.8
152.7
49.0
-
-
0.0
0.0
0.0
0.0
6.8
32.8
63.8
47.2
6.8
8.8
Assets Quality
-
-
0.0
0.0
0.0
0.0
-
-
4.1
3.4
0.0
0.0
Liquidity
83.1
82.2
346.8
492.5
65.4
72.9
6.6
2.9
Profitability
11.2
6.9
6.6
3.1
4.1
4.3
14.9
18.9
23.1
18.4
20.5
19.5
64.8
67.9
112.6
94.1
II-215
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
15
3
3
0
0
3
0
0
0
0
0
0
6
21
0
21
0
12
10
0
1
110
110
0
0
110
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
1
0
0
0
0
1
1
0
0
4
1
5
5
0
0
5
0
0
0
0
0
0
30
0
0
0
0
0
0
0
0
34
34
0
0
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
8
8
0
0
8
0
0
0
0
0
0
37
21
0
21
0
12
10
0
1
144
144
0
0
144
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
1
0
0
0
0
1
1
0
0
4
6.5
3.2
3.2
0.0
0.0
3.2
0.0
0.0
0.0
0.0
0.0
0.0
14.8
8.7
0.0
8.7
0.0
4.8
4.2
0.2
0.5
58.4
58.4
0.0
0.0
58.4
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
1.4
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.2
0.2
0.0
0.2
0.0
0.4
0.4
0.0
0.0
1.5
3
0
0
0
0
0
0
0
0
0
0
0
27
37
0
15
21
25
11
2
13
120
117
11
0
106
4
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
6
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
2
4
2
2
0
0
2
0
0
0
0
0
0
20
0
0
0
0
0
0
0
0
26
26
0
0
26
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
2
2
0
0
2
0
0
0
0
0
0
47
37
0
15
21
25
11
2
13
146
143
11
0
132
4
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
7
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2.9
0.8
0.8
0.0
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
17.2
13.4
0.0
5.5
7.9
9.3
4.0
0.6
4.6
53.6
52.3
3.9
0.0
48.4
1.5
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
2.4
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.1
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.7
Total Assets
177
70
246
100.0
220
53
273
100.0
II-216
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
131
68
0
63
14
14
0
4
3
0
0
0
0
0
0
0
0
0
0
4
2
0
1
0
2
2
0
2
0
0
42
15
12
0
0
9
1
0
0
0
0
0
2
1
1
0
0
0
14
8
6
0
0
0
0
14
0
0
0
0
0
0
0
0
28
28
0
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14
0
0
0
0
131
68
0
63
42
42
0
9
3
0
0
0
0
0
0
0
0
0
0
4
2
0
1
0
2
2
0
2
0
0
42
15
12
0
0
9
1
0
0
0
0
0
2
1
1
0
0
0
14
8
6
0.0
0.0
0.0
0.1
5.5
0.1
0.0
0.0
0.1
53.2
27.5
0.0
25.6
16.9
16.9
0.0
3.6
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.8
0.0
0.3
0.0
0.6
0.9
0.2
0.7
0.0
0.0
17.1
6.3
4.8
0.0
0.0
3.7
0.3
0.0
0.0
0.0
0.0
0.0
0.9
0.3
0.3
0.0
0.0
0.0
5.7
3.1
2.6
0
0
0
1
0
22
0
18
5
88
32
0
56
14
14
0
5
3
0
0
0
0
0
0
0
0
0
0
3
2
0
1
0
1
2
1
0
0
0
42
19
12
0
0
9
0
0
0
0
0
0
3
0
0
0
0
0
10
3
7
0
0
0
0
9
0
0
0
0
0
0
0
0
6
6
0
78
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
9
22
0
18
5
88
32
0
56
20
20
0
83
3
0
0
0
0
0
0
0
0
0
0
3
2
0
1
0
1
2
1
0
0
0
42
19
12
0
0
9
0
0
0
0
0
0
3
0
0
0
0
0
10
3
7
0.0
0.0
0.0
0.3
3.5
8.1
0.0
6.5
1.7
32.3
11.6
0.0
20.7
7.2
7.2
0.0
30.3
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.7
0.0
0.2
0.0
0.3
0.6
0.5
0.1
0.0
0.0
15.4
7.1
4.5
0.0
0.0
3.5
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.2
0.2
0.0
0.0
0.0
3.6
1.0
2.6
Total Liabilities
200
46
246
100.0
180
93
273
100.0
II-217
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
51
51
0
0
0
0
0
169
0
169
100
0
100
347
37
310
0
41
38
2
1
0
0
0
0
0
0
100
0
100
88
8
80
0
92
89
2
1
0
0
0
169
0
169
199
0
199
435
45
390
0
72
71
1
0
0
0
0
149
0
149
165
0
165
188
36
153
0
60
58
0
2
0
0
0
0
0
0
163
0
163
58
9
48
0
132
129
1
2
0
0
0
149
0
149
328
0
328
246
45
201
0
668
228
896
575
281
856
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-218
Dec. 2014
30
28
0
1
0
1
1
14
0
2
1
12
0
16
3
4
1
0
-2
0
3
-6
1
18
2
1
0
8
3
9
0
0
0
9
-2
6
0
0
0
26
22
0
1
1
1
1
12
0
1
2
8
0
14
4
5
1
0
-2
1
2
-5
1
17
1
0
0
7
3
9
0
0
0
9
-2
7
0
0
0
6
7
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
21.7
16.9
17.1
15.4
16.6
13.9
45.2
-100.4
0.7
1.0
71.8
80.6
81.3
65.9
151.2
56.9
-
-
76.7
82.4
0.0
0.0
5.5
3.5
8.0
10.1
58.4
53.6
Assets Quality
-
-
0.1
2.8
0.1
2.4
27.8
15.4
0.4
1.5
0.0
0.1
38.0
43.6
Liquidity
165.2
75.7
23.4
33.7
Profitability
2.6
2.6
15.3
16.8
3.4
3.3
6.2
5.0
85.2
79.8
0.8
1.1
3.2
2.6
42.1
46.6
23.8
41.5
II-219
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
0
3
0
3
0
64
64
0
0
64
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
4
0
0
0
0
0
0
0
0
0
0
0
7
0
0
0
0
0
0
0
0
20
20
0
0
20
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
0
0
0
0
0
0
0
16
0
0
0
0
3
0
3
0
84
84
0
0
84
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
3.9
0.2
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
14.7
0.0
0.0
0.0
0.0
3.0
0.0
3.0
0.0
76.2
76.2
0.0
0.0
76.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
1.5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
21
21
0
0
21
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
22
22
0
0
22
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
1
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.0
2.9
2.9
0.0
0.0
84.0
84.0
0.0
0.0
84.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.3
0.0
0.3
0.0
5.5
0.1
5.4
0.0
4.9
Total Assets
79
31
110
100.0
24
2
26
100.0
II-220
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
%
Distr.
Total
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
79
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-8
-11
3
0
0
0
0
24
0
0
0
0
0
0
0
0
4
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
0
0
0
0
4
4
0
0
2
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
79
87
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-8
-11
3
0.0
0.0
0.0
0.0
22.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
3.2
0.0
0.0
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.8
0.0
0.1
0.0
0.4
0.1
0.1
0.0
0.0
0.0
71.5
79.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.0
-7.7
-10.4
2.7
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-14
-14
-1
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
1
0
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-14
-14
-1
0.0
0.0
0.0
0.0
10.8
1.8
0.0
0.0
1.8
0.0
0.0
0.0
0.0
3.9
0.0
3.9
0.1
4.8
0.0
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.8
0.0
0.3
0.0
0.2
0.3
0.3
0.0
0.0
0.0
76.7
131.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.0
0.5
0.0
0.0
-54.8
-51.8
-3.0
83
28
110
100.0
24
2
26
100.0
II-221
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
20
20
0
0
0
0
0
4
4
0
12
0
12
34
0
33
0
23
15
0
8
0
0
0
3
3
0
12
0
12
31
0
17
15
44
36
0
8
0
0
0
6
6
0
24
0
24
65
0
50
15
3
3
0
0
0
0
0
0
0
0
0
0
0
13
0
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
4
0
3
3
0
0
0
0
0
0
0
0
0
0
0
17
0
16
0
70
70
139
16
4
20
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-222
Dec. 2014
9
6
0
2
0
0
0
0
0
0
0
0
0
9
0
0
0
0
0
0
0
1
0
9
1
0
1
4
2
4
0
0
0
4
-1
3
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
3
2
-1
0
0
0
-1
0
-1
0
0
0
3
-1
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
91.7
135.4
71.5
76.7
71.2
75.9
14.3
0.4
2.7
0.4
71.8
92.4
74.7
90.8
111.3
82.4
-
-
76.6
93.2
0.0
0.0
22.1
10.8
Assets Quality
3.2
2.9
76.2
84.0
-
-
0.0
0.0
0.0
0.0
-
-
0.3
0.8
0.0
0.0
Liquidity
21.8
4.9
284.3
39.1
11.5
3.1
2.7
-3.0
3.8
-3.9
3.6
-3.6
Profitability
7.8
8.7
94.2
95.0
0.5
0.5
4.0
12.4
46.5
54.5
12.0
3.7
II-223
6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN$ù
Assets
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
18
1
1
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18
1
1
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
6
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
67.5
2.5
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.3
6.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
0.0
0.0
0.0
0.0
1.7
0.0
1.7
0.0
23.2
0
0
0
0
0
0
0
0
0
0
0
0
23
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
1
0
1
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
23
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
1
0
1
0
7
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
71.8
0.7
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.5
6.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
0.0
0.0
0.0
0.0
2.1
0.0
2.1
0.0
20.4
Total Assets
27
0
27
100.0
33
0
33
100.0
II-224
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
%
Distr.
Total
Dec. 2014
FC
TC
%
Distr.
Total
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
2
0
0
0
0
0
0
0
24
14
2
0
0
0
0
0
0
0
0
0
2
15
1
0
14
0
-7
-8
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
2
0
0
0
0
0
0
0
24
14
2
0
0
0
0
0
0
0
0
0
2
15
1
0
14
0
-7
-8
1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.4
0.9
0.0
7.7
0.0
1.8
1.1
1.1
0.0
0.0
0.0
88.2
50.7
8.4
0.0
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
7.5
54.0
2.9
0.0
50.9
0.1
-24.9
-30.0
5.1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
3
0
0
0
0
0
0
0
29
17
3
0
0
0
0
0
0
0
0
0
3
18
1
0
17
0
-9
-10
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
3
0
0
0
0
0
0
0
29
17
3
0
0
0
0
0
0
0
0
0
3
18
1
0
17
0
-9
-10
1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.4
1.0
0.0
8.4
0.0
0.0
0.7
0.7
0.0
0.0
0.0
88.7
52.7
8.7
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
0.0
7.8
54.7
2.9
0.0
51.9
0.0
-27.5
-31.2
3.7
Total Liabilities
27
0
27
100.0
33
0
33
100.0
II-225
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
17
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16
0
0
16
0
0
0
34
0
34
0
0
0
0
0
0
0
16
0
0
16
0
0
0
34
0
34
0
0
0
0
0
0
0
17
0
17
0
50
50
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-226
Dec. 2014
2
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
8
10
0
0
0
8
4
2
0
0
0
2
-1
1
0
0
0
2
0
0
2
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
7
9
0
0
0
8
5
2
0
0
0
2
-1
1
0
0
0
1
1
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
129.6
94.0
88.2
88.7
83.2
83.7
0.1
0.3
0.1
0.3
99.9
99.7
100.0
99.9
-
403.1
-
-
-
-
0.0
0.0
0.0
0.0
Assets Quality
0.0
0.0
0.0
0.0
-
-
-
-
-
-
100.0
100.0
4.9
5.0
-
-
Liquidity
70.2
72.5
6,329.6
18,593.6
70.1
72.2
5.1
3.7
5.8
4.2
7.8
5.4
Profitability
7.4
6.1
20.2
21.2
29.3
22.6
28.9
23.1
56.5
60.0
101.3
97.8
II-227
Türk Eximbank
Assets
(USD Million)
TC
Dec. 2015
FC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
4
4
4
0
0
0
0
0
0
0
0
14
0
0
0
0
6
6
0
0
2,386
2,386
0
0
2,386
45
45
0
88
88
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
9
0
0
5
1
0
1
0
0
0
0
0
36
0
1
1
0
0
1
0
0
0
0
0
0
42
0
0
0
0
0
0
0
0
12,405
12,405
0
0
12,405
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
27
17
10
0
0
0
0
0
0
0
0
0
0
205
0
5
5
4
0
1
0
0
0
0
0
0
56
0
0
0
0
6
6
0
0
14,790
14,790
0
0
14,790
45
45
0
88
88
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
36
26
10
0
5
1
0
1
0
0
0
0
0
241
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
97.1
97.1
0.0
0.0
97.1
0.3
0.3
0.0
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.2
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0
20
20
18
0
1
0
0
0
0
0
0
150
32
0
32
0
9
9
0
0
2,748
2,748
0
0
2,748
55
55
0
107
107
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
35
35
0
0
8
1
0
1
0
0
0
0
0
16
0
11
11
4
0
7
0
0
0
0
0
0
276
0
0
0
0
0
0
0
0
10,956
10,956
0
0
10,956
0
0
0
20
20
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
4
0
0
0
0
0
0
0
0
0
0
0
107
0
31
31
22
0
9
0
0
0
0
0
0
426
32
0
32
0
9
9
0
0
13,705
13,705
0
0
13,705
55
55
0
128
128
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
39
39
0
0
8
1
0
1
0
0
0
0
0
122
0.0
0.2
0.2
0.2
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.2
0.0
0.2
0.0
0.1
0.1
0.0
0.0
94.5
94.5
0.0
0.0
94.5
0.4
0.4
0.0
0.9
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.3
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
Total Assets
2,548
12,680
15,228
100.0
3,125
11,376
14,501
100.0
II-228
Türk Eximbank
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
17
69
0
0
69
0
0
0
0
0
0
0
4
2
0
0
0
0
0
0
11
11
0
0
77
45
0
15
0
17
2
2
0
0
0
1,638
857
208
0
0
3
0
0
0
0
0
0
205
406
104
0
294
8
168
0
168
0
0
0
0
11,288
0
0
0
0
1,744
0
0
1,744
0
0
0
303
28
0
0
0
0
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,305
69
0
0
69
1,744
0
0
1,744
0
0
0
308
30
0
0
0
0
0
0
15
15
0
0
77
45
0
15
0
17
2
2
0
0
42
1,638
857
208
0
0
3
0
0
0
0
0
0
205
406
104
0
294
8
168
0
168
0.0
0.0
0.0
0.0
74.2
0.5
0.0
0.0
0.5
11.5
0.0
0.0
11.5
0.0
0.0
0.0
2.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.5
0.3
0.0
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.3
10.8
5.6
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
2.7
0.7
0.0
1.9
0.1
1.1
0.0
1.1
0
0
0
0
0
95
0
0
95
0
0
0
0
0
0
0
13
2
0
0
0
0
0
0
1
1
0
0
79
56
0
10
0
12
2
2
0
0
0
1,854
1,031
262
0
0
5
0
0
0
0
0
0
257
377
121
0
247
10
184
0
184
0
0
0
1
10,422
0
0
0
0
1,742
0
0
1,742
0
0
0
198
26
0
0
0
0
0
0
7
7
0
0
0
0
0
0
0
0
0
0
0
0
58
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
10,422
95
0
0
95
1,742
0
0
1,742
0
0
0
211
28
0
0
0
0
0
0
8
8
0
0
79
56
0
10
0
12
2
2
0
0
58
1,854
1,031
262
0
0
5
0
0
0
0
0
0
257
377
121
0
247
10
184
0
184
0.0
0.0
0.0
0.0
71.9
0.7
0.0
0.0
0.7
12.0
0.0
0.0
12.0
0.0
0.0
0.0
1.5
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.5
0.4
0.0
0.1
0.0
0.1
0.0
0.0
0.0
0.0
0.4
12.8
7.1
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
2.6
0.8
0.0
1.7
0.1
1.3
0.0
1.3
Total Liabilities
1,820
13,408
15,228
100.0
2,045
12,456
14,501
100.0
II-229
Türk Eximbank
(USD Million)
Dec. 2015
FC
TC
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
Total
TC
Dec. 2014
FC
Total
0
0
0
0
0
0
0
589
0
589
860
807
52
39
0
8
31
944
0
0
0
0
0
944
2,901
360
2,540
3,916
3,227
688
5,784
0
59
5,725
944
0
0
0
0
0
944
3,489
360
3,129
4,775
4,035
741
5,823
0
67
5,756
0
0
0
0
0
0
0
632
0
632
1,081
948
134
45
0
10
35
693
0
0
0
0
0
693
2,133
0
2,133
3,960
3,182
779
7,356
0
85
7,270
693
0
0
0
0
0
693
2,765
0
2,765
5,042
4,129
912
7,400
0
95
7,306
1,487
13,544
15,031
1,759
14,142
15,901
Income-Expenditure
(USD Million)
Dec. 2015
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
Net Profit/Losses
II-230
Dec. 2014
409
389
0
11
1
8
0
165
0
66
0
93
7
244
5
9
4
0
-50
0
191
-240
43
242
8
3
0
66
30
168
0
0
0
168
0
168
0
0
0
414
381
0
13
6
13
1
143
0
66
0
72
6
270
13
15
2
0
-71
-2
18
-87
54
266
8
5
0
74
33
184
0
0
0
184
0
184
0
0
0
168
184
Türk Eximbank
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
18.9
24.1
10.8
12.8
10.7
12.7
-44.4
-58.2
-6.4
0.9
16.7
21.6
12.0
14.1
94.6
91.3
-
-
16.1
20.1
0.0
0.0
74.2
71.9
Assets Quality
0.9
1.4
97.1
94.5
-
-
0.3
0.4
0.0
0.0
100.0
100.0
0.0
0.1
0.0
0.0
Liquidity
0.4
3.4
24.3
401.3
0.2
1.5
1.1
1.3
Profitability
10.2
9.9
1.1
1.3
1.6
1.8
99.5
99.8
0.0
0.0
0.4
0.5
46.4
44.7
-3.0
-5.9
II-231
Assets
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
0
0
0
0
0
0
0
0
0
0
0
0
105
12
0
0
12
33
3
31
0
76
55
0
0
55
37
16
0
7
7
0
3
0
3
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
0
0
0
0
3
0
3
0
6
0
0
0
0
0
0
0
0
0
0
0
0
75
0
0
0
0
23
0
3
20
1,265
1,265
0
0
1,265
0
0
0
0
0
0
6
0
6
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
180
12
0
0
12
56
3
34
20
1,341
1,320
0
0
1,320
37
16
0
7
7
0
9
0
9
6
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
0
0
0
0
3
0
3
0
6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.0
0.7
0.0
0.0
0.7
3.4
0.2
2.1
1.2
82.0
80.7
0.0
0.0
80.7
2.3
1.0
0.0
0.4
0.4
0.0
0.6
0.0
0.6
0.4
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.2
0.0
0.2
0.0
0.4
0
0
0
0
0
0
0
0
0
0
0
0
15
122
0
0
122
20
3
15
1
109
83
0
0
83
47
21
0
9
9
0
4
0
4
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
29
1
0
1
0
3
0
3
0
6
0
0
0
0
0
0
0
0
0
0
0
0
105
0
0
0
0
11
0
3
8
1,243
1,243
0
0
1,243
0
0
0
0
0
0
6
0
6
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
119
122
0
0
122
31
3
18
10
1,352
1,325
0
0
1,325
47
21
0
9
9
0
9
0
9
6
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
29
1
0
1
0
3
0
3
0
7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.1
7.2
0.0
0.0
7.2
1.8
0.2
1.1
0.6
80.3
78.8
0.0
0.0
78.8
2.8
1.2
0.0
0.5
0.5
0.0
0.6
0.0
0.6
0.3
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.0
0.4
Total Assets
267
1,369
1,636
100.0
317
1,365
1,682
100.0
II-232
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
0
0
0
0
0
0
0
0
0
0
0
0
0
5
0
5
1
2
0
0
0
0
0
0
0
0
0
0
25
14
0
11
0
0
2
2
0
0
0
241
55
71
1
0
0
0
0
0
0
0
0
71
93
11
0
82
1
22
0
22
0
0
0
0
1,357
0
0
0
0
0
0
0
0
0
0
0
2
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,357
0
0
0
0
0
0
0
0
5
0
5
3
3
0
0
0
0
0
0
0
0
0
0
25
14
0
11
0
0
2
2
0
0
0
241
55
71
1
0
0
0
0
0
0
0
0
71
93
11
0
82
1
22
0
22
0.0
0.0
0.0
0.0
82.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.3
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.9
0.0
0.7
0.0
0.0
0.1
0.1
0.0
0.0
0.0
14.7
3.4
4.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.3
5.7
0.7
0.0
5.0
0.0
1.3
0.0
1.3
0
0
0
0
0
0
0
0
0
0
0
0
0
7
0
7
6
4
0
0
0
0
0
0
0
0
0
0
27
14
0
12
0
0
1
1
0
0
0
276
69
90
1
0
1
0
0
0
0
0
0
89
97
14
0
82
1
20
0
20
0
0
0
0
1,360
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,360
0
0
0
0
0
0
0
0
7
0
7
7
4
0
0
0
0
0
0
0
0
0
0
27
14
0
12
0
0
1
1
0
0
0
276
69
90
1
0
1
0
0
0
0
0
0
89
97
14
0
82
1
20
0
20
0.0
0.0
0.0
0.0
80.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.4
0.4
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.8
0.0
0.7
0.0
0.0
0.1
0.1
0.0
0.0
0.0
16.4
4.1
5.4
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
5.3
5.8
0.8
0.0
4.9
0.0
1.2
0.0
1.2
Total Liabilities
277
1,359
1,636
100.0
321
1,361
1,682
100.0
II-233
(USD Million)
Dec. 2015
FC
TC
Total
Dec. 2014
FC
TC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
0
0
0
0
0
0
0
79
0
79
0
0
0
413
1
412
1
30
0
0
30
0
0
0
544
4
540
0
0
0
5,045
0
5,045
0
30
0
0
30
0
0
0
623
4
619
0
0
0
5,458
1
5,457
1
0
0
0
0
0
0
0
51
0
51
0
0
0
623
0
621
1
4
0
0
4
0
0
0
583
5
578
0
0
0
4,602
0
4,601
1
4
0
0
4
0
0
0
634
5
628
0
0
0
5,224
1
5,222
2
492
5,619
6,111
673
5,188
5,862
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
64
48
0
4
8
4
1
14
0
14
0
0
0
50
3
4
0
0
2
1
0
1
2
57
3
0
3
27
18
27
0
0
0
27
-6
22
0
0
0
68
54
0
2
7
5
0
15
0
15
0
0
0
53
3
4
0
0
1
0
0
1
6
63
7
4
2
31
22
25
0
0
0
25
-5
20
0
0
0
Net Profit/Losses
22
20
II-234
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
17.8
20.4
14.7
16.4
11.6
12.5
3.8
1.4
3.8
1.4
16.3
18.9
16.9
19.1
100.7
100.3
-
-
5.7
8.1
0.0
0.0
82.9
80.8
Assets Quality
3.9
2.4
82.0
80.3
-
-
2.7
3.5
1.6
1.9
43.1
44.0
3.1
3.9
0.1
0.2
Liquidity
15.2
16.2
3,221.7
2,165.7
9.2
9.3
1.3
1.2
8.9
7.3
1.7
1.5
Profitability
3.0
2.9
86.7
76.3
0.5
0.6
1.6
1.9
66.9
71.0
27.8
34.0
II-235
Assets
(USD Million)
Dec. 2015
FC
TC
Loans
Banks
Other
Subsidiaries (Net)
Others
Unearned income (-)
Fair value hedges
Cash flow hedges
Goodwill
Other
Assets for Tax
Other Assets
Total Assets
Total
%
Distr.
TC
Dec. 2014
FC
Total
%
Distr.
14
13
13
10
0
3
0
0
0
0
0
0
0
370
0
370
0
728
9
615
104
827
827
121
0
707
20
20
0
245
245
0
53
0
53
53
1
42
42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
0
0
0
0
8
0
8
0
19
264
55
55
0
0
55
0
0
0
0
0
0
183
0
0
0
0
291
3
285
2
3,859
3,859
84
0
3,775
1
1
0
54
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
62
278
68
68
10
0
58
0
0
0
0
0
0
183
370
0
370
0
1,018
13
899
106
4,686
4,686
204
0
4,482
20
20
0
299
299
0
53
0
53
53
1
42
42
0
0
0
0
0
0
0
0
0
0
0
1
1
0
0
17
0
0
0
0
8
0
8
0
81
3.9
1.0
1.0
0.1
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
2.6
5.2
0.0
5.2
0.0
14.3
0.2
12.7
1.5
66.0
66.0
2.9
0.0
63.1
0.3
0.3
0.0
4.2
4.2
0.0
0.8
0.0
0.8
0.7
0.0
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
1.1
14
7
7
0
0
7
0
0
0
0
0
0
9
45
0
45
0
1,270
12
1,071
188
1,085
1,085
142
0
943
6
6
0
0
0
0
69
0
69
69
1
58
58
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
6
0
6
0
13
205
24
24
0
0
24
0
0
0
0
0
0
43
0
0
0
0
240
3
228
10
3,634
3,634
54
0
3,579
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
218
31
31
0
0
31
0
0
0
0
0
0
53
45
0
45
0
1,511
14
1,298
198
4,719
4,719
197
0
4,522
7
7
0
0
0
0
69
0
69
69
1
58
58
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4
0
0
0
0
6
0
6
0
33
3.2
0.5
0.5
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.7
0.0
0.7
0.0
22.4
0.2
19.2
2.9
69.9
69.9
2.9
0.0
67.0
0.1
0.1
0.0
0.0
0.0
0.0
1.0
0.0
1.0
1.0
0.0
0.9
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.5
2,336
4,769
7,106
100.0
2,581
4,166
6,747
100.0
II-236
December 2015
Liabilities
(USD Million)
Dec. 2015
FC
TC
Deposits
Other
Funds Borrowed
Bills
Bonds
Funds
Borrower funds
Others
Factoring Payables
Others
Fair value hedges
Cash flow hedges
Provisions
General provisions
Other provisions
Liabilities for Tax
Subordinated Loans
Paid-in capital
Share premium
Profit reserves
Legal reserves
Status reserves
Profit or loss
Total Liabilities
Total
%
Distr.
Dec. 2014
FC
TC
Total
%
Distr.
0
0
0
15
67
728
0
0
728
0
0
0
0
1
1
0
32
0
0
0
0
0
0
0
0
0
0
0
75
52
0
3
0
21
16
16
0
0
0
849
600
-11
0
0
-22
11
0
0
0
0
0
0
121
66
26
28
1
139
0
139
0
0
0
45
4,490
16
0
0
16
698
0
0
698
10
10
0
8
0
0
0
0
0
0
0
2
2
0
0
0
0
0
0
0
0
0
0
0
0
50
4
0
4
0
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
59
4,557
743
0
0
743
698
0
0
698
11
11
0
40
0
0
0
0
0
0
0
2
2
0
0
75
52
0
3
0
21
16
16
0
0
50
853
600
-8
0
0
-18
11
0
0
0
0
0
0
121
66
26
28
1
139
0
139
0.0
0.0
0.0
0.8
64.1
10.5
0.0
0.0
10.5
9.8
0.0
0.0
9.8
0.1
0.1
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.7
0.0
0.0
0.0
0.3
0.2
0.2
0.0
0.0
0.7
12.0
8.4
-0.1
0.0
0.0
-0.3
0.2
0.0
0.0
0.0
0.0
0.0
0.0
1.7
0.9
0.4
0.4
0.0
2.0
0.0
2.0
0
0
0
2
1
826
0
0
826
0
0
0
0
0
0
0
30
0
0
0
0
0
0
0
0
0
0
0
93
54
0
3
0
36
16
16
0
0
0
961
645
26
0
0
22
4
0
0
0
0
0
0
132
74
33
23
1
159
0
159
0
0
0
26
4,245
103
0
0
103
350
0
0
350
17
17
0
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50
22
0
22
0
0
22
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28
4,246
929
0
0
929
350
0
0
350
17
17
0
36
0
0
0
0
0
0
0
0
0
0
0
93
54
0
3
0
36
16
16
0
0
50
983
645
48
0
0
44
4
0
0
0
0
0
0
132
74
33
23
1
159
0
159
0.0
0.0
0.0
0.4
62.9
13.8
0.0
0.0
13.8
5.2
0.0
0.0
5.2
0.2
0.2
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.8
0.0
0.0
0.0
0.5
0.2
0.2
0.0
0.0
0.7
14.6
9.6
0.7
0.0
0.0
0.7
0.1
0.0
0.0
0.0
0.0
0.0
0.0
2.0
1.1
0.5
0.3
0.0
2.4
0.0
2.4
1,783
5,323
7,106
100.0
1,930
4,817
6,747
100.0
II-237
(USD Million)
Dec. 2015
FC
TC
Total
TC
Dec. 2014
FC
Total
Bank acceptances
Letters of credit
Endorsements
Commitments
Pledged Items
134
134
0
0
0
0
0
180
32
148
910
0
910
11,274
704
7,058
3,513
477
276
7
194
0
0
0
1,228
104
1,124
5,947
1,607
4,340
50,120
31
30,133
19,957
611
410
7
194
0
0
0
1,408
136
1,272
6,858
1,607
5,250
61,395
735
37,190
23,470
186
186
0
0
0
0
0
169
7
162
539
0
539
11,172
797
6,029
4,346
439
226
0
213
0
0
0
975
59
916
3,491
0
3,491
45,867
110
27,535
18,222
624
411
0
213
0
0
0
1,144
66
1,079
4,030
0
4,030
57,039
907
33,564
22,568
12,499
57,773
70,272
12,066
50,772
62,838
Income-Expenditure
(USD Million)
Dec. 2015
Dec. 2014
Interest Income
Interest on loans
Interest Expenses
Dividend Income
Personnel Expenses*
370
227
0
1
33
109
0
156
0
60
64
32
0
214
4
5
1
12
-1
1
-37
35
14
243
34
15
9
35
22
174
0
0
0
174
-35
139
0
0
0
344
216
0
0
6
121
0
110
0
47
59
3
0
235
5
5
0
11
6
-1
-29
36
17
273
26
2
9
49
24
198
0
0
0
198
-40
159
0
0
0
Net Profit/Losses
139
159
II-238
December 2015
Ratios
(%)
Dec. 2015
Dec. 2014
Capital Ratios
risk)*12.5)*100
14.9
18.1
12.0
14.6
10.4
12.6
-8.1
-0.9
0.8
2.5
32.9
38.3
25.1
28.6
89.6
86.5
-
-
17.7
23.0
0.0
0.0
64.1
62.9
Assets Quality
19.5
22.8
66.0
69.9
-
-
0.4
0.2
0.0
0.0
100.0
100.0
1.6
2.0
0.0
0.0
Liquidity
27.0
27.5
202.4
180.8
15.8
19.9
Profitability
2.0
2.4
16.3
16.1
2.5
2.9
2.8
3.5
81.9
85.2
0.4
0.6
0.5
0.7
62.4
49.0
83.6
78.6
II-239
Appendix
II-241
II-242
Foreign B.
Privately-owned Deposit B.
Foreign B.
Dev't and Inv't B.
Dev't and Inv't B.
Foreign B.
Foreign B.
19 )LEDEDQND$ù
20 $QDGROXEDQN$ù
21 %XUJDQ%DQN$ù
22 &LWLEDQN$ù
23 $NWLI<DWÕUÕP%DQNDVÕ$ù
24 øVWDQEXO7DNDVYH6DNODPD%DQNDVÕ$ù
25 ,&%&7XUNH\%DQN$ù
15 ùHNHUEDQN7$ù
18 $OWHUQDWLIEDQN$ù
Foreign B.
14 +6%&%DQN$ù
Dev't and Inv't B.
Foreign B.
13 2GHD%DQN$ù
Dev't and Inv't B.
Dev't and Inv't B.
12 Türk Eximbank
16 7UNL\H6ÕQDL.DONÕQPD%DQNDVÕ$ù
Foreign B.
11 ,1*%DQN$ù
17 øOOHU%DQNDVÕ$ù
Foreign B.
10 7UN(NRQRPL%DQNDVÕ$ù
9 'HQL]EDQN$ù
Foreign B.
8 )LQDQV%DQN$ù
1938
State-owned Deposit B.
6 7UNL\H+DON%DQNDVÕ$ù
1948
1944
4 $NEDQN7$ù
5 <DSÕYH.UHGL%DQNDVÕ$ù
7 7UNL\H9DNÕIODU%DQNDVÕ7$2
1946
Foreign B.
3 7UNL\H*DUDQWL%DQNDVÕ$ù
1986
1995
1998
1981
1991
1996
1984
1991
1933
1950
1953
1990
2011
1987
1984
1927
1997
1987
1954
1924
1863
Groups
1 7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ$ù
Banks
Date of
Estab.
2 7UNL\Høú%DQNDVÕ$ù
(USD Million)
2,280
2,430
2,591
2,869
3,658
3,758
3,835
4,506
6,316
7,106
8,367
10,845
10,994
1,412
59
1,619
1,266
2,805
2,335
2,952
3,203
4,416
4,686
5,732
7,022
7,473
14,790
12,064
16,876
15,228
18,235
17,597
19,611
42,418
43,434
50,985
48,581
54,535
60,976
64,019
24,660
28,861
29,378
62,694
64,333
75,518
80,466
87,160
94,485
103,783
Total
Assets
773
0
0
2,048
2,295
2,509
2,557
2,155
0
0
5,095
6,530
8,682
0
8,104
15,214
15,965
16,643
37,669
41,858
43,490
47,614
48,285
52,706
63,901
202
312
322
429
347
466
355
342
4,303
853
866
911
462
1,638
1,536
2,386
2,834
3,092
5,746
6,657
7,911
9,146
10,617
10,978
10,811
Total
Total
Loans
ShareTotal
and
holders'
Receiv.* Deposits Equity
Table 1 Turkish Banks - Ranked by Total Assets, as of December 31, 2015
18
144
206
296
-6
60
28
59
308
12
49
28
20
197
139
35
-114
17
168
39
302
261
242
661
793
638
1,026
1,167
1,056
1,769
206
290
212
3,593
600
397
224
513
857
1,195
755
622
1,028
857
428
1,490
1,371
1,439
1,542
1,713
Paid-in
Capital
Net
Income/
Loss
1,997
689,014
16,539
24,887
19,987
22,006
32,704
22,421
5,262
70,272
159,330
78,711
32,724
15,031
104,001
96,488
179,210
253,275
493,189
234,940
231,649
374,559
438,236
206,652
301,933
Off
Balance
Sheet
Commit.
44
1
8
8
56
106
67
59
19
3
301
284
55
3
298
532
692
642
920
949
1,000
902
980
1,377
1,812
841
285
638
517
1,022
1,711
1,290
1,073
2,640
332
4,078
4,997
1,538
541
5,603
9,927
12,923
12,950
15,410
17,104
18,261
14,050
19,692
25,157
25,697
No.of
No.of
Branch
Offices Emp'ees
II-243
1987
1998
Dev't and Inv't B.
Foreign B.
Foreign B.
Foreign B.
Dev't and Inv't B.
Dev't and Inv't B.
Dev't and Inv't B.
Dev't and Inv't B.
Foreign B.
38 JPMorgan Chase Bank N.A.
39 Société Générale (SA)
40 Bank Mellat
41 3DVKD<DWÕUÕP%DQNDVÕ$ù
42 *6'<DWÕUÕP%DQNDVÕ$ù
43 0HUULOO/\QFK<DWÕUÕP%DQN$ù
44 'LOHU<DWÕUÕP%DQNDVÕ$ù
45 Habib Bank Limited
1984
* Total Loans and Receivables = Loans and Receivables + Loans under Follow up - Specific Provisions
47 $GDEDQN$ù
Total
1990
46 6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN$ù Dev't and Inv't B.
1982
1998
1992
1984
1989
1984
1998
2013
1921
1981
37 1XURO<DWÕUÕP%DQNDVÕ$ù
Foreign B.
34 7XUNLVK%DQN$ù
1998
1988
Foreign B.
33 %DQN3R]LWLI.UHGLYH.DONÕQPD%DQNDVÕ$ù
Foreign B.
Dev't and Inv't B.
32 'HXWVFKH%DQN$ù
1958
36 5DEREDQN$ù
Foreign B.
31 %LUOHúLN)RQ%DQNDVÕ$ù
1977
2013
1975
2012
1991
35 The Royal Bank of Scotland Plc.
Foreign B.
B. Under the Dep.Ins.Fund
Foreign B.
28 7UNL\H.DONÕQPD%DQNDVÕ$ù
30 $UDS7UN%DQNDVÕ$ù
Dev't and Inv't B.
27 %DQNRI7RN\R0LWVXELVKL8)-7XUNH\$ù
29 Intesa Sanpaolo S.p.A.
Foreign B.
Groups
26 7XUNODQG%DQN$ù
B anks
Date of
Estab.
18
766,250
27
39
44
74
106
110
117
160
165
246
0
499,817
0
16
35
5
89
84
4
44
0
144
12
42
343
279
427
597
469
465
1,140
1,341
1,040
1,358
302
416
614
1,032
1,052
1,379
1,432
1,636
1,942
1,994
Total
Assets
2
428,600
0
12
0
0
0
0
43
59
28
0
0
115
266
0
208
292
1,147
459
0
339
1,536
15
86,225
24
18
38
43
33
79
71
35
131
42
250
212
65
114
175
206
206
262
241
188
255
Total
Total
Loans
ShareTotal
and
holders'
Receiv.* Deposits Equity
27
22,132
17
53
51
10
1,545
139
387
225
292
896
40
422
968
2,646
16,522
2,762
1,080
679
6,111
1,656
29,616
Off
Balance
Sheet
Commit.
1
2
8,788 4,171,137
1
1
10
3
5
2
3
4
-5
12
6
10
15
1
-32
25
7
24
17
22
5
5
14
21
17
17
87
54
46
34
15
234
37
60
116
46
158
151
232
55
181
223
Paid-in
Capital
Net
Income/
Loss
1
11,193
1
1
1
1
1
1
3
1
1
1
1
1
13
1
1
1
7
1
1
1
34
30
201,204
33
15
17
41
26
31
48
110
56
40
38
57
252
140
123
225
291
27
602
63
662
No.of
No.of
Branch
Offices Emp'ees
II-244
30
14,050
1,711
1,290
4,078
252
9,927
25,157
18,261
1
902
106
67
301
13
532
1,377
1,000
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
74,756
4,299
9
25,697
17,104
15,410
1,812
949
920
195,838
201,204
58,211
11,151
11,193
No. of
No. of
Branches Employees
3,681
3
34
Deposit Banks
State-owned Banks
47
Sector Total
No. of
Banks
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
Foreign Banks
Banks Under Depo. Insurance Fund
Table 2 Number of Branches and Employees by the Banks and Groups, as of December 31, 2015
1
21
No. of
Banks
59
7
3
1
56
8
692
1
642
1
284
44
298
1
3,170
1
1
1,073
291
48
63
1,022
517
12,923
123
12,950
15
4,997
841
5,603
27
62,646
225
225
No. of
No. of
Branches Employees
II-245
øOOHU%DQNDVÕ$ù
Türk Eximbank
56
1,538
38
110
57
662
19,692
2GHD%DQN$ù
5DEREDQN$ù
7XUNODQG%DQN$ù
1
55
1
1
1
34
980
No. of
No. of
Branches Employees
Foreign Banks continued…
No. of
Banks
8
1
1
1
19
1
1
1
1
1
3
1
3
638
140
17
26
2,640
285
41
40
31
33
541
602
332
No. of
No. of
No. of
Banks Branches Employees
13
42
5,366
II-246
7,637
44,497
2,505
12,889
3,977
312,040
10
0
0
2,799
4,667
86,042
-31,558
Liquidity Gap
-183,051
15,194
225,341
3,740
74,827
829
61,716
689
2,259
128,988
968
4,403
26
0
502
8,774
0
3,223
54,484
46,782
11,343
Up to 1
Month
35,190
6,769
Demand
Liabilities
Interbank deposits
Other deposits
Funds provided from other financial
instruments
Money market takings
Marketable securities issued
Miscellaneous payables
Other liabilities
Total liabilities
Marketable securities available for sale
Loans
Investments held to maturity
Other assets
Total assets
Cash (cash in vault, effectives, money in
transit, cheques purchased) and Balances
with the Central Bank of Turkey
Due from banks
Financial assets where fair value change is
reflected to income statement
Money market placements
Assets
(USD Million)
-55,316
14,047
3,089
4,702
169
1,641
105,989
4,787
77,552
1,394
43,855
527
84
50,672
914
64
2,602
1,232
1-3 Months
64,367
43,465
2,105
5,790
272
1,776
79,165
1,953
23,805
6,171
131,867
1,550
395
143,532
1,605
0
1,636
308
3 – 12
Months
184,286
25,668
4,109
17,128
912
5,132
54,345
34
1,362
38,286
182,585
11,953
1,349
238,631
2,877
0
45
1,537
1 – 5 Years
90,121
18,455
886
5,205
405
4,728
29,683
0
5
35,647
67,233
15,705
325
119,805
889
0
0
6
-68,849
20
0
0
817
98,149
98,986
0
0
421
3,704
0
26,010
30,138
3
0
0
0
5 Years and
Over
Undistributed
Table 3 Presentation of Assets and Liabilities According to their Outstanding Maturities, as of December 31, 2015
0
109,302
54,685
35,331
18,263
120,069
766,250
25,708
402,892
83,250
499,734
30,423
33,644
766,250
7,282
4,467
86,255
21,195
Total
II-247
-30,452
3,762
-109,340
13,487
-3,385
-95,476
On balance sheet interest sensitivity gap-Long
On balance sheet interest sensitivity gap-Short
Off balance sheet interest sensitivity gap-Long
Off balance sheet interest sensitivity gap-Short
Total position
1,990
-49,040
22,670
-6,072
15,355
225,225
44,451
2,484
2,836
19,424
1,754
311,529
Liabilities
Interbank deposits
Other deposits
Funds provided from other financial institutions
Other liabilities
Total liabilities
4,794
77,502
3,060
240
5,004
42,989
1,134
134,722
1,359
64
13,534
66,716
3,253
726
87,964
1,034
4,403
8,379
130,535
6,929
1,014
206,080
Financial assets where fair value change is
reflected to income statement
Financial assets available for sale
Loans
Other assets
Total assets
582
1,729
1–3
Months
42,287
11,499
Up to 1
Month
Assets
Cash (cash in vault, effectives, money in transit,
cheques purchased) and balances with the
Central Bank of Turkey
Due from banks
(USD Million)
(based on repricing dates)
88,313
91,414
-1,749
12,108
-13,460
1,952
23,787
2,483
419
6,164
33,262
1,391
69,459
1,194
0
19,595
131,062
6,225
159
159,064
0
829
3 – 12
Months
0
5
111,048
127,612
-284
4,235
-20,514
0
1,304
3,732
58
16,066
5,624
3,036
29,820
844
0
22,951
126,481
6,817
51
157,148
1–5
Years
40,494
47,213
-676
2,602
-8,645
0
0
779
33
5,142
4,729
3,406
14,090
279
0
17,560
36,041
6,555
21
60,477
0
20
5 Years and
Over
-110,937
215
-111,117
1,396
-1,431
3,607
75,074
8
15,343
165
409
105,504
200,111
2,572
0
1,237
4,483
644
31,455
89,208
43,387
5,430
Demand
Table 4 Interest Rate Sensitivity of Assets, Liabilities and Off Balance Sheet Items, as of December 31, 2015
2,990
272,206
-272,206
56,497
-53,507
25,708
402,892
54,514
18,577
35,376
106,438
116,225
759,730
7,282
4,467
83,257
495,319
30,423
33,426
759,941
86,255
19,512
Total
II-248
11,263
102,930
15,409
65,037
23,307
1,615
129
6,328
226,019
-23,110
24,332
105,301
80,969
47,889
-15,009
14,998
43,980
28,983
24,191
Net On Balance Sheet Position
Net Off Balance Sheet Position
Financial derivative assets
Financial derivative liabilities
Non-cash loans
671
522
18,358
111,628
301
8,705
40
3
0
2,031
202,909
5,410
60,425
735
36,456
2,020
2,629
30
891
108,597
335
20
3,912
66,743
3,247
1,406
1
2
1
1,148
93,588
Financial assets where fair value change is reflected to income
statement
Financial assets available for sale
Loans
Invest. and associates, subsidiaries and joint ventures (bus. partners)
Derivative financial assets held for hedging
Property and equipment
Intangible assets
Other assets
Total Assets
49,629
11,021
USD
Liabilities
Interbank deposits
Foreign currency deposits
Funds provided from other financial institutions
Derivative financial liabilities held for hedging
Other liabilities
Total liabilities
13,424
3,347
EURO
Assets
Cash (cash in vault, effectives, money in transit, cheques purchased)
and balances with the Central Bank of Turkey
Due from banks
(USD Million)
Table 5 Information on Currency Risk, as of December 31, 2015
6,366
-6,333
7,710
14,043
3,384
1,254
6,738
85
949
363
226
45
449
10,108
7
0
169
2,024
345
15
0
2
0
88
16,475
13,093
731
Other FC
-31,753
32,996
156,992
123,995
75,463
17,927
170,094
16,229
102,443
25,691
4,470
203
7,668
344,724
1,014
542
22,439
180,396
3,893
10,126
42
7
1
3,268
312,971
76,146
15,099
Total
II-249
36
0
36
121
3
124
520
24
544
1,496
372
1,868
2,664
3,751
6,415
2,262
10,439
12,701
1,308
25,586
26,894
8,407
40,175
48,582
Terms
Demand
Time
Total
Demand
Time
Total
Demand
Time
Total
Demand
Time
Total
Demand
Time
Total
Demand
Time
Total
51-250
251-1,000
1,001-5,000
5,001-25,000
Demand
25,001-100,000 Time
Total
Demand
Time
Total
0-50
100,001+
Total
Stateowned
Banks
Range of
Accounts
(TRY)
7,445
46,189
53,634
1,544
33,718
35,262
1,830
8,895
10,725
2,206
3,189
5,395
1,335
364
1,700
435
20
455
75
2
77
21
0
21
Privatelyowned
Banks
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
B anks
under the
Deposit
Insurance
Fund
4,070
34,815
38,885
758
23,911
24,668
879
7,708
8,587
1,215
2,867
4,082
879
300
1,179
263
25
288
58
5
63
17
1
18
Foreign
Banks
Table 6 Saving Deposits, as of December 31, 2015 (USD Million)
73
1
75
19,923
121,179
141,102
3,609
83,215
86,825
4,971
27,042
32,013
6,085
9,806
15,892
3,711
1,035
4,746
1,218
69
1,287
254
10
265
Total
Privatelyowned
Banks
19,508
274,238
293,746
119,713
517,931
637,644
613,635
735,482
1,349,117
1,794,548
404,770
2,199,318
2,135,987
102,912
2,238,899
1,699,790
50,899
1,750,689
58,344,395 42,034,703
2,975,193 3,775,355
61,319,588 45,810,058
20,838
247,645
268,483
149,411
655,705
805,116
735,031
1,053,342
1,788,373
2,038,349
504,308
2,542,657
3,126,292
98,088
3,224,380
2,958,192
66,223
3,024,415
49,316,282 35,651,522
349,882 1,689,123
49,666,164 37,340,645
Stateowned
Banks
Foreign
Banks
Total
9,623
235,137
244,760
57,954
447,264
505,218
347,117
626,579
973,696
1,206,098
337,181
1,543,279
1,344,024
132,260
1,476,284
1,396,629
126,068
1,522,697
49,970
757,020
806,990
327,088
1,620,900
1,947,988
1,695,851
2,415,403
4,111,254
5,039,257
1,246,259
6,285,516
6,606,910
333,260
6,940,170
6,055,109
243,190
6,298,299
221,035 25,227,653 125,827,786
0 3,464,227 10,214,775
221,035 28,691,880 136,042,561
1
0
1
10
0
10
68
0
68
262
0
262
607
0
607
498
0
498
219,589 20,866,208 106,053,601
0 1,559,738
3,598,743
219,589 22,425,946 109,652,344
B anks
under the
Deposit
Insurance
Fund
Number of Saving Deposit Accounts
II-250
483,247
395,682
191,669
63,278
140,735
67,561
0
26,496
40
8
691
186
5,068
34,003
1,069
61,319,588
42,771,623
8,225,288
10,322,677
45,810,058
45
16,966,788
163,714
62,187
423,640
5,887
4,881,400
19,030,730
4,275,667
State-owned Banks
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
Public
Sector
Deposits
136,042,561
Deposit Banks
Banks
Saving
Deposits
14
1,222,534
56,681
13,031
78,255
1,011
841,902
1,222,603
659,771
4,095,802
819,791
1,450,185
791,895
3,061,871
10,662,352
Commercial
Deposits
Table 7 Number of Deposit Accounts, as of December 31, 2015
0
5,735
82
29
156
79
1,000
494
363
7,938
1,287
242
696
2,225
14,244
Interbank
Deposits
17
1,086,386
24,976
11,781
70,411
4,305
914,098
2,831,401
460,484
5,403,859
2,967,622
961,174
1,134,518
5,063,314
13,861,770
Foreign
Currency
Deposits
0
42,235
558
197
35,803
15
7,858
57,090
11,630
155,386
261,905
133,875
156,633
552,413
771,023
Other
Institutions
Deposits
0
251,413
659
57
19,730
83
59,435
596,512
51,505
979,394
411,473
432,753
293,892
1,138,118
2,579,749
Precious
Metals
Deposits
76
19,601,587
246,710
87,290
628,686
11,566
6,710,761
23,772,833
5,460,489
56,519,998
47,425,370
11,266,795
12,841,046
71,533,211
164,414,946
Total
II-251
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
2GHD%DQN$ù
5DEREDQN$ù
Sociéte Générale (SA)
7XUNODQG%DQN$ù
19,966
315
0
0
0
284
3
8,581
0
754
0
2,610
28
3,168
0
0
9
0
0
0
11
4,203
28,691,880
116,886
2,385
152
0
96,076
3
9,215,118
0
2,811,803
283
1,887,759
74,052
7,962,848
0
0
282,868
0
0
0
15,754
6,225,893
38
221,035
Foreign Banks
38
221,035
Public
Sector
Deposits
B anks Under Depo. Insurance Fund
B anks
Saving
Deposits
72,564
1,239
898
0
50,974
1,812
1,994,610
243
186,140
209
85,313
5,697
411,120
11
1
8,082
6
29
128
5,902
565,483
3,390,461
114,218
114,218
Commercial
Deposits
30
137
74
0
181
162
1,560
62
414
2
437
13
270
11
12
58
0
6
18
13
563
4,023
58
58
Interbank
Deposits
62,759
6,985
1,782
0
83,806
1,689
1,537,881
185
176,196
755
457,779
12,182
382,549
9
1
15,281
2
9
130
7,615
632,109
3,379,704
14,893
14,893
Foreign
Currency
Deposits
470
19
9
0
1,139
17
22,923
48
3,590
0
1,732
570
15,705
0
0
230
0
0
1
134
16,593
63,180
44
44
Other
Institutions
Deposits
1,684
0
0
0
0
0
109,012
0
196,400
0
8,094
0
22,712
0
0
1
0
0
0
0
124,128
462,031
206
206
Precious
Metals
Deposits
254,708
10,765
2,915
0
232,460
3,686
12,889,685
538
3,375,297
1,249
2,443,724
92,542
8,798,372
31
14
306,529
8
44
277
29,429
7,568,972
36,011,245
350,492
350,492
Total
II-252
7,445
855
6,611
759
12,473
222
1,026
Saving Deposits
Public Sector Deposits
Commercial Deposits
Interbank Deposits
Foreign Currency Deposits
Other Institutions Deposits
Precious Metals Deposits
Saving Deposits
Commercial Deposits
Interbank Deposits
1
0
1
76
8
0
24
109
29,391
B anks Under the Dep. Ins. Fund
8,407
4,356
3,377
1,388
7,506
2,001
874
27,909
Demand
Deposits
Saving Deposits
Commercial Deposits
Interbank Deposits
State-owned Banks
(USD Million)
With 7
days
maturity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,428
22
4,939
2,895
12,903
228
18
27,434
1,262
3,850
3,710
5,284
5,337
1,464
9
20,916
Up to 1
month
0
183
0
0
0
0
0
183
37,184
67
11,767
2,236
36,829
2,817
96
90,996
35,662
4,921
11,270
2,222
17,325
2,630
42
74,073
1-3 Month
Table 8 Maturity Structure of Deposits, as of December 31, 2015
0
0
0
0
0
0
0
0
1,657
5
1,284
2,475
3,727
1,331
25
10,505
2,173
809
695
548
3,017
175
6
7,424
3-6 Month
0
0
0
0
0
0
0
0
399
10
272
175
3,870
577
113
5,416
550
2,234
46
423
1,880
280
3
5,416
6 Month1 Year
0
0
0
0
0
0
0
0
489
1
353
780
3,932
75
47
5,678
491
105
30
408
6,513
100
3
7,650
0
0
0
0
0
0
0
0
32
0
0
0
2
0
0
33
37
0
0
0
4
0
0
41
1 Year and Cumulative
over
deposit
1
183
1
76
8
0
24
292
53,634
960
25,226
9,320
73,736
5,250
1,326
169,453
48,582
16,276
19,128
10,274
41,581
6,650
937
143,428
Total
Deposits
II-253
78,567
19,923
5,779
14,375
3,740
29,808
2,386
2,554
Saving Deposits
Commercial Deposits
Interbank Deposits
4,070
568
4,387
1,516
9,822
164
630
21,158
Total
Saving Deposits
Commercial Deposits
Interbank Deposits
Foreign Banks
Demand
Deposits
With 7
days
maturity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13,831
3,892
12,954
9,310
24,444
1,884
35
66,349
6,142
19
4,304
1,131
6,203
192
8
17,999
Up to 1
month
99,715
5,245
28,558
5,647
81,862
6,643
272
227,943
26,868
73
5,522
1,189
27,707
1,196
134
62,690
1-3 Month
4,703
816
2,257
3,981
8,957
1,660
37
22,412
873
2
278
958
2,213
154
5
4,483
3-6 Month
1,272
2,244
600
1,311
7,317
861
128
13,735
324
0
283
714
1,568
4
12
2,904
6 Month1 Year
1,574
107
691
1,648
14,958
400
106
19,484
593
0
308
461
4,513
225
55
6,156
83
0
0
0
26
0
1
111
15
0
0
0
21
0
1
37
1 Year and Cumulative
over
deposit
141,102
18,083
59,436
25,638
167,373
13,835
3,133
428,600
38,885
663
15,081
5,968
52,048
1,935
846
115,426
Total
Deposits
II-254
6,066
3,611
6,600
960
0
305
8
0
24
1
117
195
311
26,802
12,067
9,713
53,634
0
14,947
941
797
2,052
65
5,325
18,015
11,494
Privately-owned Deposit Banks
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
18,083
16,276
141,102
Public
Sector
Deposits
48,582
Banks
Saving
Deposits
State-owned Deposit Banks
Sector Total
(USD Million)
2
6,646
394
485
601
14
2,764
5,426
8,894
25,226
4,884
8,132
6,111
19,128
59,436
Commercial
Deposits
Table 9 Classification of Deposits, as of December 31, 2015
0
4,304
176
175
500
47
39
2,644
1,435
9,320
0
19,952
961
1,067
1,685
138
5,249
24,715
19,969
73,736
19,765
11,792
10,024
41,581
10,274
3,333
5,020
1,920
167,373
Foreign
Currency
Deposits
25,638
Interbank
Deposits
0
1,195
22
31
188
0
1,568
1,058
1,189
5,250
2,632
932
3,085
6,650
13,835
Other
Institutions
Deposits
0
266
8
2
46
0
153
653
198
1,326
419
303
214
937
3,133
Precious
Metals
Deposits
2
47,614
2,509
2,557
5,095
266
15,214
52,706
43,490
169,453
63,901
41,858
37,669
143,428
428,600
Total
II-255
663
6
0
0
0
5
5
176
0
128
0
32
3
66
0
0
9
0
0
0
7
226
38,885
653
7
0
0
398
0
5,601
0
6,747
1
2,255
280
4,407
0
0
2,096
0
0
0
552
15,889
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
Bank of Tokyo-Mitsubishi UFJ Turkey A.
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
2GHD%DQN$ù
5DEREDQN$ù
7XUNODQG%DQN$ù
183
1
Foreign Banks
183
1
Public
Sector
Deposits
B anks
Saving
Deposits
498
3
3
20
199
999
2,555
111
2,612
8
701
74
654
0
0
1,039
0
0
50
337
5,219
15,081
1
1
Commercial
Deposits
120
973
32
302
17
86
504
45
533
0
27
0
539
457
28
344
0
58
1
8
1,892
5,968
76
76
Interbank
Deposits
8
8
792
160
8
17
1,634
848
6,538
50
6,170
4
3,409
414
2,417
1
0
5,059
0
0
64
584
23,880
52,048
Foreign
Currency
Deposits
15
5
0
0
41
111
475
2
304
0
13
2
16
0
0
134
0
0
0
47
769
1,935
0
0
Other
Institutions
Deposits
71
0
0
0
0
0
116
0
148
0
95
0
6
0
0
0
0
0
0
0
411
846
24
24
Precious
Metals
Deposits
292
292
2,155
1,147
43
339
2,295
2,048
15,965
208
16,643
12
6,530
773
8,104
459
28
8,682
0
59
115
1,536
48,285
115,426
Total
II-256
6,876,844
2,247,214
1,106,266
961,293
755,889
1,806,182
21,573,119
1,070,190
2,142,684
1,891,122
9,709,723
1,129,903
2,787,551
2,184,901
657,045
12,959,680
500,369
559,685
4,776,265
561,558
1,714,083
3,012,707
1,416,550
418,463
15,282,229
11,970,907
413,534
2,897,788
Aegean
Afyonkarahisar
$\GÕQ
Denizli
ø]PLU
Kütahya
Manisa
0X÷OD
8úDN
East Marmara
Bilecik
Bolu
Bursa
Düzce
(VNLúHKLU
.RFDHOLø]PLW
6DNDU\D$GDSD]DUÕ
Yalova
West Anatolia
Ankara
Karaman
Konya
29,498,555
West Marmara
%DOÕNHVLU
Çanakkale
Edirne
.ÕUNODUHOL
7HNLUGD÷
øVWDQEXO
Regions and Provinces*
Saving
Deposits
40,933
25,921
1,923
13,089
44,032
2,710
4,640
10,208
2,819
6,169
7,442
8,741
1,303
70,743
7,133
6,116
6,802
25,105
5,885
10,007
6,554
3,141
30,312
9,752
5,310
4,286
4,032
6,932
37,666
Public Sector
Deposits
1,100,812
791,967
34,597
274,248
987,975
26,434
45,389
389,666
48,940
108,264
206,713
137,350
25,219
1,743,618
90,542
194,608
173,523
733,309
71,556
239,692
188,177
52,211
576,982
175,062
94,102
95,595
65,662
146,561
2,325,338
Commercial
Deposits
1,320
1,172
11
137
727
14
24
273
20
62
243
73
18
1,003
43
71
75
579
32
74
110
19
303
104
29
41
26
103
7,646
Interbank
Deposits
1,660,500
1,352,118
42,161
266,221
1,087,442
27,527
39,828
421,625
42,758
131,551
259,830
120,472
43,851
1,917,583
103,915
211,697
185,314
882,161
70,532
137,110
254,859
71,995
458,631
184,831
57,222
58,941
45,027
112,610
4,346,615
Foreign
Currency
Deposits
114,161
93,702
2,404
18,055
73,076
3,053
3,900
27,515
3,757
9,078
14,118
8,604
3,051
114,202
7,628
11,798
9,370
54,819
6,214
10,631
10,387
3,355
58,720
16,930
9,452
11,504
7,495
13,339
125,029
Other
Institutions
Deposits
Table 10 Number of Deposit Accounts by Geographical Regions and Provinces, as of December 31, 2015
331,222
259,150
9,309
62,763
256,301
11,687
11,832
88,787
9,091
35,387
63,237
28,901
7,379
408,245
21,987
44,246
44,122
175,790
23,350
41,905
44,162
12,683
128,442
46,628
22,864
18,449
14,194
26,307
536,143
Precious
Metals
Deposits
18,531,177
14,494,937
503,939
3,532,301
15,409,233
571,794
665,298
5,714,339
668,943
2,004,594
3,564,290
1,720,691
499,284
25,828,513
1,301,438
2,611,220
2,310,328
11,581,486
1,307,472
3,226,970
2,689,150
800,449
8,130,234
2,680,521
1,295,245
1,150,109
892,325
2,112,034
36,876,992
Total
II-257
6,009,133
530,960
2,003,648
466,017
425,128
478,264
444,579
1,033,063
627,474
7,851,690
655,796
370,208
299,321
881,283
525,198
708,202
2,023,424
336,625
879,472
1,172,161
4,827,288
377,661
801,377
193,929
1,113,424
849,849
1,491,048
West Black Sea
Amasya
%DUWÕQ
dDQNÕUÕ
Çorum
Karabük
Kastamonu
Samsun
Sinop
Tokat
Zonguldak
East Black Sea
Artvin
Giresun
*PúKDQH
Ordu
Rize
Trabzon
16,790,618
3,658,980
4,920,433
623,338
2,082,727
979,319
2,807,902
1,140,262
577,657
Mid-Anatolia
Aksaray
Kayseri
.ÕUÕNNDOH
.ÕUúHKLU
1HYúHKLU
1L÷GH
Sivas
Yozgat
Mediterranean
Adana
Antalya
Burdur
Hatay (Antakya)
Isparta
øoHO0HUVLQ
.DKUDPDQPDUDú
Osmaniye
Saving
Deposits
24,906
2,472
4,862
2,078
4,820
4,458
6,216
55,192
5,514
1,788
4,377
14,027
2,443
6,014
6,819
3,662
4,998
5,550
36,375
2,568
8,652
2,909
3,034
3,227
2,401
8,730
4,854
53,619
9,177
12,829
2,852
7,774
3,962
7,446
7,113
2,466
Public Sector
Deposits
406,613
36,093
60,502
13,714
91,326
90,307
114,671
662,081
58,874
22,528
21,541
76,251
29,862
62,479
203,691
24,942
86,119
75,794
465,507
44,102
148,882
31,972
28,256
41,216
42,322
66,475
62,282
1,382,655
286,445
456,983
43,387
144,452
57,145
256,718
84,753
52,772
Commercial
Deposits
192
16
29
8
41
28
70
308
14
12
18
36
15
41
87
18
36
31
224
16
109
10
6
21
8
31
23
821
244
219
20
78
20
161
59
20
Interbank
Deposits
396,777
23,660
62,347
18,612
91,160
48,065
152,933
584,870
36,170
29,001
20,027
83,947
24,087
32,844
167,508
29,459
61,265
100,562
719,675
92,019
257,050
28,772
60,906
66,196
29,849
97,882
87,001
1,568,376
278,939
613,327
35,692
199,316
69,435
226,529
113,630
31,508
Foreign
Currency
Deposits
31,683
2,519
4,185
1,953
7,283
6,417
9,326
58,764
5,427
3,243
3,513
4,704
4,919
5,388
13,861
3,254
5,394
9,061
37,560
3,006
9,597
2,132
2,581
2,931
4,393
8,425
4,495
83,977
16,929
23,166
3,935
10,086
5,200
14,956
6,637
3,068
Other
Institutions
Deposits
87,971
9,105
14,657
4,661
21,935
13,117
24,496
164,193
13,239
6,845
6,810
16,435
11,328
15,471
43,596
9,668
19,547
21,254
118,096
10,619
39,397
9,121
6,761
9,028
6,858
21,546
14,766
278,085
55,897
85,440
11,253
33,243
17,542
40,861
22,715
11,134
Precious
Metals
Deposits
5,775,430
451,526
947,959
234,955
1,329,989
1,012,241
1,798,760
9,377,098
775,034
433,625
355,607
1,076,683
597,852
830,439
2,458,986
407,628
1,056,831
1,384,413
7,386,570
683,290
2,467,335
540,933
526,672
600,883
530,410
1,236,152
800,895
20,158,151
4,306,611
6,112,397
720,477
2,477,676
1,132,623
3,354,573
1,375,169
678,625
Total
II-258
Total
483,247
10,662,352
21,222
3,867
584,086
43,973
28,434
100,629
204,374
11,358
51,480
13,422
113,824
16,592
227,391
12,983
19,139
47,278
9,399
65,655
17,528
6,292
49,117
174,205
21,358
12,435
8,112
26,727
59,212
15,836
30,525
Commercial
Deposits
85
14
4
4
13
31
6
13
14,244
132
1,011
362
9
10
32
244
4
17
8
34
4
110
4
10
26
0
28
12
3
27
Interbank
Deposits
13,861,770
129,574
61,881
495,115
34,792
29,965
82,779
197,317
9,221
44,301
12,034
61,052
23,654
263,389
21,401
10,980
69,114
11,013
69,589
16,638
17,819
46,835
171,342
21,739
7,701
12,485
30,173
57,619
20,893
20,732
Foreign
Currency
Deposits
771,023
1,078
127
30,876
3,122
1,864
6,126
7,840
900
3,026
1,376
5,113
1,509
23,451
1,462
2,241
5,097
938
7,315
1,609
1,231
3,558
18,319
1,893
1,143
1,482
3,506
6,922
1,128
2,245
Other
Institutions
Deposits
2,579,749
767
112
138,284
13,302
7,633
27,403
38,825
2,767
12,386
5,732
19,950
10,286
82,825
5,446
7,860
15,003
7,792
21,871
5,239
3,393
16,221
49,063
6,451
3,257
2,407
7,378
19,795
3,921
5,854
Precious
Metals
Deposits
164,414,946
467,113
73,004
8,352,019
676,548
539,233
1,620,407
2,561,920
183,677
698,464
321,414
1,362,824
387,532
4,738,165
315,877
335,187
920,115
304,566
1,230,861
359,797
223,194
1,048,568
3,311,247
467,370
196,541
151,587
570,429
1,190,813
258,139
476,368
Total
* The classification of "Statistical Regional Units", which is defined with the Decree No.2002/4720 of Council of Ministers and published in the Official Gazette dated September 22, 2002 and No.24884 is
used in this table.
136,042,561
35
1
314,305
6,005
Foreign Countries
Turkish Republic of Northern Cyprus
37,042
3,650
2,976
5,591
8,314
1,427
3,797
2,040
5,854
3,393
7,066,254
577,700
468,351
1,397,847
2,105,006
158,000
583,457
286,802
1,156,997
332,094
South-East Anatolia
$GÕ\DPDQ
Batman
'L\DUEDNÕU
Gaziantep
Kilis
Mardin
Siirt
ùDQOÕXUID
ùÕUQDN
26,267
2,134
2,309
6,335
1,735
4,449
2,618
1,740
4,947
4,114,732
272,447
292,648
777,262
273,689
1,061,954
316,153
192,716
927,863
Middle East Anatolia
Bingöl
Bitlis
(OD]Õ÷
Hakkari
Malatya
0Xú
Tunceli
Van
26,124
3,059
1,962
1,798
5,837
8,444
1,796
3,228
2,872,109
412,856
170,039
125,299
496,795
1,038,790
214,559
413,771
Public Sector
Deposits
North East Anatolia
$÷UÕ
Ardahan
Bayburt
Erzincan
Erzurum
,÷GÕU
Kars
Saving
Deposits
II-259
6,081
2,127
861
799
753
1,541
21,840
639
2,104
1,854
11,783
389
1,627
2,881
563
10,715
194
345
4,741
252
1,444
2,457
884
396
16,423
14,433
241
1,749
Aegean
Afyonkarahisar
$\GÕQ
Denizli
ø]PLU
Kütahya
Manisa
0X÷OD
8úDN
East Marmara
Bilecik
Bolu
Bursa
Düzce
(VNLúHKLU
.RFDHOLø]PLW
6DNDU\D$GDSD]DUÕ
Yalova
West Anatolia
Ankara
Karaman
Konya
53,664
Saving
Deposits
West Marmara
%DOÕNHVLU
Çanakkale
Edirne
.ÕUNODUHOL
7HNLUGD÷
øVWDQEXO
(USD Million)
10,869
10,650
53
166
864
34
30
122
35
169
368
62
44
852
82
73
74
352
46
78
105
40
395
84
102
58
53
98
1,742
Public Sector
Deposits
10,104
9,508
35
562
3,284
45
52
1,246
64
428
1,170
225
54
3,794
124
238
393
2,315
118
256
265
87
823
260
115
94
102
252
32,991
Commercial
Deposits
1,673
1,673
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
1
0
0
0
0
0
0
0
0
0
0
16,784
Interbank
Deposits
20,990
19,164
254
1,572
7,554
65
129
3,577
158
794
2,045
540
247
13,704
568
1,033
1,414
7,800
340
500
1,465
584
2,643
1,115
221
390
228
689
83,830
Foreign
Currency
Deposits
Table 11 Deposits by Geographical Regions and Provinces, as of December 31, 2015
4,666
4,578
10
78
541
8
10
151
8
67
230
46
20
553
15
38
36
322
15
50
59
16
150
48
26
23
18
36
6,105
Other
Institutions
Deposits
385
312
11
62
256
8
11
94
7
40
62
25
9
382
14
38
36
186
25
30
39
12
103
39
21
11
10
23
1,260
Precious
Metals
Deposits
65,111
60,319
603
4,188
23,213
353
576
9,931
525
2,941
6,333
1,782
771
41,125
1,442
3,525
3,808
22,759
934
2,540
4,815
1,302
10,195
3,672
1,346
1,375
1,163
2,638
196,375
Total
II-260
3,433
339
1,263
213
231
273
270
560
283
4,868
267
275
143
458
270
378
1,397
249
359
1,072
2,899
203
501
82
677
325
1,111
West Black Sea
Amasya
%DUWÕQ
dDQNÕUÕ
Çorum
Karabük
Kastamonu
Samsun
Sinop
Tokat
Zonguldak
East Black Sea
Artvin
Giresun
*PúKDQH
Ordu
Rize
Trabzon
14,708
3,620
5,164
339
1,518
608
2,664
516
279
Mid-Anatolia
Aksaray
Kayseri
.ÕUÕNNDOH
.ÕUúHKLU
1HYúHKLU
1L÷GH
Sivas
Yozgat
Mediterranean
Adana
Antalya
Burdur
Hatay (Antakya)
Isparta
øoHO0HUVLQ
.DKUDPDQPDUDú
Osmaniye
Saving
Deposits
289
49
29
27
55
62
67
456
38
33
38
72
49
40
49
47
35
55
462
65
104
32
38
34
46
98
45
654
99
208
15
86
54
115
34
43
Public Sector
Deposits
486
26
72
15
96
64
213
903
48
24
33
102
50
56
329
26
88
147
812
64
407
41
32
68
51
92
57
2,279
617
734
65
245
92
337
145
46
Commercial
Deposits
Interbank
Deposits
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28
0
0
0
0
0
28
0
0
1,603
64
301
42
279
149
767
2,825
154
166
53
345
147
145
850
139
159
667
4,223
559
1,885
74
313
442
129
470
350
9,778
1,635
4,302
198
1,421
336
1,263
552
72
Foreign
Currency
Deposits
101
7
30
4
18
18
24
201
9
5
7
14
9
14
38
7
15
83
149
9
72
7
7
8
12
22
11
581
136
233
10
43
23
91
34
11
Other
Institutions
Deposits
74
8
12
2
16
12
23
132
11
5
5
16
9
14
32
6
16
18
102
9
34
8
7
8
7
20
9
254
59
78
12
25
18
37
16
8
Precious
Metals
Deposits
5,453
357
946
173
1,141
631
2,205
9,387
527
507
279
1,007
534
648
2,696
474
673
2,042
9,181
1,045
3,766
374
628
834
517
1,262
755
28,282
6,166
10,719
638
3,337
1,131
4,535
1,297
459
Total
II-261
Total
18,083
59,436
147
2,058
1,002
57
50
188
448
17
62
19
133
29
414
32
35
93
14
98
29
13
100
338
58
9
15
33
158
15
52
Commercial
Deposits
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25,638
31
7,120
Interbank
Deposits
167,373
649
15,790
2,231
107
64
226
1,459
29
145
18
121
61
995
55
20
301
13
411
37
92
67
557
41
14
53
158
157
96
39
Foreign
Currency
Deposits
13,835
59
388
211
9
6
59
71
4
9
11
37
6
72
6
4
13
4
17
9
9
10
58
6
4
2
8
28
3
7
Other
Institutions
Deposits
1
2
84
9
7
20
22
2
8
3
9
3
64
4
4
15
3
22
5
2
9
35
4
2
1
5
16
3
4
3,133
Precious
Metals
Deposits
428,600
1,345
25,468
7,274
478
401
1,220
3,152
137
500
245
820
322
3,848
222
180
925
232
1,218
223
293
555
2,344
296
121
130
467
785
235
311
Total
used in this table.
141,102
0
0
457
110
Foreign Countries
745
61
93
60
77
40
76
107
104
127
3,001
235
182
666
1,075
44
200
87
415
97
South-East Anatolia
$GÕ\DPDQ
Batman
'L\DUEDNÕU
Gaziantep
Kilis
Mardin
Siirt
ùDQOÕXUID
ùÕUQDN
449
33
36
54
128
55
54
28
60
1,855
93
81
449
70
615
90
150
309
Bingöl
Bitlis
(OD]Õ÷
Hakkari
Malatya
0Xú
Tunceli
Van
306
65
21
20
40
99
20
41
1,049
122
71
38
223
328
99
168
Public Sector
Deposits
North East Anatolia
$÷UÕ
Ardahan
Bayburt
Erzincan
Erzurum
,÷GÕU
Kars
Saving
Deposits
II-262
1,469
421
232
305
189
321
2,784
263
460
301
775
112
561
214
97
1,248
59
97
493
77
192
104
197
29
1,593
696
107
790
Aegean
Afyonkarahisar
$\GÕQ
Denizli
ø]PLU
Kütahya
Manisa
0X÷OD
8úDN
East Marmara
Bilecik
Bolu
Bursa
Düzce
(VNLúHKLU
.RFDHOLø]PLW
6DNDU\D$GDSD]DUÕ
Yalova
West Anatolia
Ankara
Karaman
Konya
409
Agriculture
West Marmara
%DOÕNHVLU
Çanakkale
Edirne
.ÕUNODUHOL
7HNLUGD÷
øVWDQEXO
(USD Million)
113
87
3
23
101
8
7
46
5
4
17
13
1
190
18
24
21
79
6
29
12
2
64
10
17
10
7
21
138
Real Estate
20
7
0
13
5
0
0
1
0
3
0
0
0
16
0
1
0
13
1
0
0
0
5
4
0
0
0
0
14
Vocational
Maritime
Specialized Loans
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
2
0
0
0
0
0
0
0
8
26
13
5
1
3
3
88
24
14
0
9
40
0
19
15
1
1
4
1
1
109
1
17
14
26
1
4
46
1
Tourism
Table 12 Loans by Geographical Regions and Provinces, as of December 31, 2015
878
679
18
181
818
17
28
383
28
69
202
80
11
1,322
62
157
165
511
51
251
95
30
349
92
54
37
46
120
2,154
Other
64,773
56,171
628
7,975
32,441
647
845
13,539
844
3,360
9,828
2,696
683
46,504
1,552
3,282
7,070
24,628
1,132
3,775
3,968
1,097
10,470
3,568
1,383
1,244
1,030
3,245
198,737
Nonspecialized
Loans
67,402
57,655
756
8,991
34,653
731
996
14,477
954
3,629
10,154
2,986
726
50,927
1,896
3,939
7,572
26,032
1,303
4,621
4,337
1,227
12,384
4,109
1,692
1,598
1,275
3,711
201,547
Total***
II-263
2,831
797
630
116
318
143
539
171
117
1,329
170
298
59
151
100
133
211
206
1,020
148
15
88
196
16
120
224
37
142
33
344
28
67
35
132
20
61
Mid-Anatolia
Aksaray
Kayseri
.ÕUÕNNDOH
.ÕUúHKLU
1HYúHKLU
1L÷GH
Sivas
Yozgat
West Black Sea
Amasya
%DUWÕQ
dDQNÕUÕ
Çorum
Karabük
Kastamonu
Samsun
Sinop
Tokat
Zonguldak
East Black Sea
Artvin
Giresun
*PúKDQH
Ordu
Rize
Trabzon
A griculture
Mediterranean
Adana
Antalya
Burdur
Hatay (Antakya)
Isparta
øoHO0HUVLQ
.DKUDPDQPDUDú
Osmaniye
41
3
5
2
5
16
10
84
11
2
4
10
6
6
29
6
6
4
46
4
10
3
5
5
4
8
7
176
28
44
3
50
5
31
12
3
Real Estate
0
0
0
0
0
0
0
2
0
0
0
0
0
0
1
0
0
0
1
0
0
0
0
0
0
0
0
25
1
21
0
2
0
0
0
0
Maritime
Specialized Loans
Vocational
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
2
2
0
3
0
5
17
1
1
0
1
2
4
4
1
0
1
19
0
1
0
11
4
0
3
0
262
3
249
1
2
1
2
3
1
Tourism
314
20
52
13
80
37
112
566
43
13
31
68
25
58
200
32
59
35
392
45
120
21
30
26
38
47
65
1,050
200
293
26
166
31
131
142
62
Other
6,379
437
941
211
1,374
1,021
2,396
11,128
801
420
379
1,417
931
784
3,408
424
1,101
1,462
10,097
592
4,984
603
533
748
654
1,313
671
40,766
8,540
16,156
614
4,872
939
5,689
3,076
881
Nonspecialized
Loans
7,090
490
1,067
261
1,593
1,095
2,584
12,817
1,005
451
503
1,692
979
973
3,866
501
1,309
1,536
11,885
812
5,412
686
730
883
829
1,581
950
45,110
9,569
17,393
759
5,409
1,119
6,392
3,404
1,065
Total***
II-264
1,113
0
0
0
2
0
0
0
0
0
0
0
1
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
91
Vocational
Maritime
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
0
1
0
2
0
0
0
1
0
7
0
0
0
0
1
2
0
3
3
0
0
1
0
1
1
0
612
Tourism
669
85
39
37
186
13
53
17
226
14
185
8
25
22
10
52
27
6
35
104
18
6
6
12
37
11
14
13,250
4,408
0
41
Other
465,675
8
1,144
16,148
18,486
868
577
2,524
10,695
154
1,048
251
2,017
353
5,113
237
314
1,226
178
1,467
213
159
1,320
3,482
410
134
108
378
1,741
310
402
Nonspecialized
Loans
496,373
4,416
1,168
16,189
20,632
1,068
668
2,826
11,249
222
1,262
306
2,635
396
5,923
277
433
1,326
204
1,708
326
195
1,454
4,231
496
228
142
456
1,966
378
564
Total***
used in this table.
%HFDXVHWKHGLVWULEXWLRQRIWKHORDQZKLFKLVH[WHQGHGE\øOOHU%DQNDVÕ$ùWRWKHSURYLQFHVGRHVQRWH[LVWLWLVVKRZQDVDVHSDUDWHOLQH
*** Total Loans = Loans except "Loans under follow-up" and "Specific provisions"
****Some of the bank's total loans include "Loans" shown under "Financial assets where fair value change is reflected to income statement".
Total****
Foreign Countries
15,621
0
0
0
0
24
0
øOOHU%DQNDVÕ$ù
105
11
1
22
29
1
8
3
24
6
1,365
103
51
243
337
54
152
36
366
23
South-East Anatolia
$GÕ\DPDQ
Batman
'L\DUEDNÕU
Gaziantep
Kilis
Mardin
Siirt
ùDQOÕXUID
ùÕUQDN
29
2
2
4
0
9
4
1
6
588
30
91
74
16
179
79
29
90
Bingöl
Bitlis
(OD]Õ÷
Hakkari
Malatya
0Xú
Tunceli
Van
25
2
1
1
3
11
1
6
Real Estate
617
66
87
26
63
176
56
142
A griculture
North East Anatolia
$÷UÕ
Ardahan
Bayburt
Erzincan
Erzurum
,÷GÕU
Kars
Specialized Loans
II-265
1,113
0
1,113
0
12,983
12,898
85
0
State-owned Banks
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34
0
778
0
0
0
0
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
0
812
1,113
15,621
Deposit Banks
1,113
15,621
Agriculture Real Estate
Sector Total
(USD Million)
0
0
0
0
0
0
0
0
0
0
0
0
0
91
0
91
91
91
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
6
6
11
Maritime
0
0
0
0
0
0
0
0
0
0
0
0
0
423
0
423
423
612
Tourism
Specialized Loans
Vocational
Table 13 Classification of Loans, as of December 31, 2015
0
0
0
0
2,280
0
0
136
0
0
0
2,416
0
6,276
1
6,277
8,693
13,250
Other
0
0
0
0
2,314
0
778
136
0
0
0
3,228
12,898
7,995
1
469
469
0
48,530
0
2,929
4,799
141
18,097
60,668
50,469
185,634
50,823
35,115
42,141
128,079
442,774
25,947
20,893
465,675
30,698
Total
Nonspecialized
Loans
469
469
0
48,530
2,314
2,929
5,577
277
18,097
60,668
50,469
188,861
63,721
43,110
42,142
148,972
468,721
496,373
Total*
II-266
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
øOOHU%DQNDVÕ$ù
6WDQGDUG&KDUWHUHG<DWÕUÕP%DQNDVÕ7UN$
Türk Eximbank
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Vocational
Maritime
0
0
0
0
0
0
0
0
0
0
5
0
0
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
45
145
0
189
Tourism
* This table is generated by using the figures of the "Loans by Geographical Regions and Provinces" as of December 31, 2015
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,824
0
0
0
0
2
0
0
0
0
0
0
0
0
0
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
2GHD%DQN$ù
5DEREDQN$ù
7XUNODQG%DQN$ù
0
1,826
Foreign Banks
Agriculture Real Estate
Specialized Loans
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,408
0
0
0
0
0
149
0
0
4,557
Other
0
0
0
0
4,408
0
0
0
0
0
199
145
0
4,752
0
0
0
0
0
0
1,824
0
0
0
0
2
0
0
0
0
0
0
0
0
0
1,826
Total
1,611
415
35
87
8
59
5
144
84
0
14,591
1,175
4,686
22,901
3,127
465
2
1,040
2,774
1,263
15,523
597
19,372
16
6,865
1,394
11,930
7,370
0
7,370
42
42
12
2
54,317
128,593
Nonspecialized
Loans
1,611
415
35
87
4,416
59
5
144
84
0
14,790
1,320
4,686
27,652
3,127
465
2
1,040
2,774
1,263
17,347
597
19,372
16
6,865
1,396
11,930
7,370
0
7,370
42
42
12
2
54,317
130,419
Total*
II-267
1,497
Real estate and renting services
2,496
57,971
Total
736
91
Other
Health and social services
Education services
670
6,693
Self-employement services
1,981
Financial Institutions
505
Transportation and telecommunication
Hotel, food and beverage services
13,979
26,152
Services
Wholesale and retail trade
11,628
4,611
Construction
Electric, gas and water
11,586
1,197
Mining
Production
17,394
Manufacturing
13
Fishing
237
302
52
TC
Forestry
Farming and Raising livestock
Agricultural
(USD Million)
100.0
4.3
1.3
0.2
1.2
2.6
11.5
3.4
0.9
24.1
45.1
20.1
8.0
20.0
2.1
30.0
0.0
0.1
0.4
0.5
(%)
FC
86,854
5,208
842
81
487
1,858
6,383
3,489
496
10,342
23,978
16,077
7,109
33,038
1,084
41,232
10
44
305
360
100.0
6.0
1.0
0.1
0.6
2.1
7.3
4.0
0.6
11.9
27.6
18.5
8.2
38.0
1.2
47.5
0.0
0.1
0.4
0.4
(%)
Current Period
Table 14 Sectoral Risk Concentrations of Non-cash Loans, as of December 31, 2015
24
96
542
662
144,826
7,704
1,577
172
1,157
3,355
13,075
5,470
1,001
24,321
50,129
27,705
11,721
44,624
2,281
58,626
Total
100.0
5.3
1.1
0.1
0.8
2.3
9.0
3.8
0.7
16.8
34.6
19.1
8.1
30.8
1.6
40.5
0.0
0.1
0.4
0.5
(%)
II-268
4.2
10.6
4.4
23.7
0.0
30.7
20.3
25.5
23.5
8.1
21.3
0.0
30.1
20.5
24.5
23.7
7.1
20.9
0.0
29.1
21.3
24.3
23.4
Share
Total
Total
holder's
Assets Loans
Equity
-
21.1
0.0
29.9
20.9
24.5
24.5
Total
Deposits
92.4
3.7
100.0
55.3
85.8
39.3
53.4
Paid-up
Capital
92.6
5.4
100.0
54.8
79.7
48.1
52.2
89.6
5.0
100.0
54.3
79.5
48.4
50.4
91.6
4.9
100.0
54.3
78.7
48.3
50.7
6. Shares Offered to the Public + Domestic + Foreign = 100.0
5. "Sector Total" = "Deposit Banks" + "Development and Investment Banks"
4. Foreign: : Indicates the percentage of shares owned by foreign companies.
3. Domestic : Indicates the percentage of shares owned by Turkish companies.
2. The distributions of "Shareholder's Equity", "Total Assets", "Total Loans" and "Total Deposits" are calculated on the basis of "Paid-up Capital".
-
5.0
100.0
54.3
79.1
49.4
49.4
3.4
85.8
0.0
18.7
0.0
43.7
33.0
3.0
70.9
0.0
14.5
0.0
26.4
24.2
2.3
73.7
0.0
15.6
0.0
27.1
25.9
1.4
74.2
0.0
16.6
0.0
27.4
25.9
Share
Total
Total
holder's
Assets Loans
Equity
Paid-up
Capital
Share
Total
Total
holder's
Assets Loans
Equity
Total
Deposits
Foreign
Domestic
Shares Unoffered to the Public
1. Offered to the Public : The percentage of shares "Offered to the Public". The status of ownership is not taken into consideration.
Annotations:
Foreign Banks
0.0
26.0
14.2
17.0
Deposit Banks
State-owned Banks
13.6
Paid-up
Capital
Shares Offered to the Public
Sector Total
(%)
Table 15 Capital Structure by Groups, as of December 31, 2015
-
73.9
0.0
15.8
0.0
26.2
26.2
Total
Deposits
II-269
40.3
0.0
10.3
0.5
0.6
1.2
0.1
3.9
12.9
10.8
0.1
0.1
40.0
0.0
11.0
0.5
0.5
1.1
0.1
3.4
12.9
10.3
0.1
0.1
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
7DVDUUXI0HYGXDWÕ6LJ)RQ'HYU%
13.6
9.2
9.0
14.2
8.8
8.6
7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ
100.0
31.7
100.0
31.6
B anks
Total
Loans
0.1
0.1
0.0
11.1
0.6
0.6
1.2
0.1
3.5
12.3
10.1
39.5
0.1
0.1
0.0
10.5
0.5
0.5
1.1
0.1
3.2
12.3
9.9
38.0
13.5
8.4
8.2
30.1
33.5
14.9
9.8
8.8
95.2
100.0
0.1
0.1
0.0
9.7
0.5
0.6
1.1
0.1
3.6
12.2
10.2
38.0
12.8
8.7
8.5
30.0
94.5
Total
Loans
0.1
0.1
0.0
11.1
0.6
0.6
1.2
0.1
3.5
12.3
10.1
39.5
14.9
9.8
8.8
33.5
100.0
Total
Deposits
Share in Sector
Total
Total
Deposits Assets
Share in Group
Total
Assets
State-owned Banks
Deposit Banks
(%)
B anks
øOOHU%DQNDVÕ$ù
Türk Eximbank
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
2GHD%DQN$ù
5DEREDQN$ù
7XUNODQG%DQN$ù
Foreign Banks
Table 16 Share in Group and Share in Sector, as of December 31, 2015
0.7
0.1
0.0
0.2
0.6
0.3
3.7
0.1
4.2
0.0
1.5
0.3
2.6
0.2
0.0
1.6
0.0
0.0
0.0
0.3
11.6
27.9
7.1
1.7
0.1
0.3
17.3
6.7
0.2
0.7
0.3
0.1
41.7
4.5
19.5
5.8
1.5
0.1
0.3
15.9
0.2
0.0
0.5
0.3
0.0
53.4
4.8
16.9
100.0 100.0
0.6
0.2
0.0
0.3
0.5
0.4
4.0
0.1
4.0
0.0
1.5
0.3
2.3
0.2
0.0
1.5
0.0
0.0
0.0
0.3
11.9
28.3
Total
Loans
-
-
0.5
0.3
0.0
0.1
0.5
0.5
3.7
0.0
3.9
0.0
1.5
0.2
1.9
0.1
0.0
2.0
0.0
0.0
0.0
0.4
11.3
26.9
Total
Deposits
Share in Group
Total
Assets
0.3
0.1
0.0
0.0
0.8
0.3
0.0
0.0
0.0
0.0
2.0
0.2
0.9
4.8
0.6
0.2
0.0
0.3
0.5
0.4
3.8
0.1
3.8
0.0
1.4
0.3
2.2
0.2
0.0
1.4
0.0
0.0
0.0
0.3
11.4
26.9
0.3
0.1
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
3.0
0.3
0.9
5.5
0.6
0.1
0.0
0.2
0.6
0.3
3.5
0.1
3.9
0.0
1.4
0.3
2.4
0.2
0.0
1.5
0.0
0.0
0.0
0.3
10.9
26.4
Total
Loans
-
-
0.5
0.3
0.0
0.1
0.5
0.5
3.7
0.0
3.9
0.0
1.5
0.2
1.9
0.1
0.0
2.0
0.0
0.0
0.0
0.4
11.3
26.9
Total
Deposits
Share in Sector
Total
Assets
II-270
190
7
2
1
4
17
0
0
1
0
2
0
7
2
5
4
4
252
42
67
143
220
1
34
4
10
23
14
23
93
18
14
14
State-owned Banks
$GDEDQN$ù
$NEDQN7$ù
$QDGROXEDQN$ù
)LEDEDQND$ù
ùHNHUEDQN7$ù
7XUNLVK%DQN$ù
212
819
1,055
Female
73
73
18
5
448
223
154
235
25
1,005
2,755
1,030
5,880
2,823
2,094
869
5,786
19,113
30
30
4
227
83
63
173
21
531
1,655
1,112
3,869
706
792
627
2,125
10,602
10,718
Female
High School
19,599
Male
18
1
34
5
10
25
14
30
95
23
237
44
68
147
259
1,009
1,267
Total
Primary School
Male
Deposit Banks
Sector Total
B anks
103
103
9
675
306
217
408
46
1,536
4,410
2,142
9,749
3,529
2,886
1,496
7,911
29,715
30,317
Total
Table 17 Bank Employees by Gender and Education, as of December 31, 2015
54
54
8
5,469
705
425
1,682
66
3,312
8,978
5,260
25,905
11,710
6,956
5,813
24,479
68,930
71,033
Total
43
43
12
6,789
605
537
1,783
99
4,451
10,677
9,857
34,810
8,274
6,107
6,988
21,369
97
97
20
12,258
1,310
962
3,465
165
7,763
19,655
15,117
60,715
19,984
13,063
12,801
45,848
84,220 153,150
85,450 156,483
Female
Undergraduate
Male
4
4
0
530
41
47
94
17
321
467
441
1,958
1,106
566
439
2,111
5,838
3
3
0
553
49
54
86
10
277
530
538
2,097
1,034
521
527
2,082
6,126
6,615
Female
Postgraduate
6,522
Male
7
7
0
1,083
90
101
180
27
598
997
979
4,055
2,140
1,087
966
4,193
11,964
13,137
Total
Total
Female
145
145
14
6,481
973
636
2,034
122
4,661
12,293
6,749
33,963
15,681
9,683
7,264
32,628
80
80
16
7,569
738
654
2,044
130
5,266
12,864
11,512
40,793
10,016
7,421
8,146
25,583
94,700 101,138
98,209 102,995
Male
225
225
30
14,050
1,711
1,290
4,078
252
9,927
25,157
18,261
74,756
25,697
17,104
15,410
58,211
195,838
201,204
Total
II-271
162
3
1
0
0
0
0
146
0
5
0
0
3
1
0
1
1
0
0
0
0
1
22
0
0
0
0
10
1
0
1
0
2
6
0
2
333
11
11
3
1
7
0
144
0
66
2
0
16
19
1
4
6
0
7
0
5
30
236
3
2
0
0
149
3
0
1
0
2
29
36
11
$OWHUQDWLIEDQN$ù
$UDS7UN%DQNDVÕ$ù
Bank Mellat
%XUJDQ%DQN$ù
&LWLEDQN$ù
'HQL]EDQN$ù
'HXWVFKH%DQN$ù
)LQDQV%DQN$ù
Habib Bank Limited
+6%&%DQN$ù
,&%&7XUNH\%DQN$ù
,1*%DQN$ù
2GHD%DQN$ù
5DEREDQN$ù
7XUNODQG%DQN$ù
øOOHU%DQNDVÕ$ù
Türk Eximbank
Female
3
2
0
0
159
4
0
2
0
4
35
36
13
258
14
12
3
1
7
0
290
0
71
2
0
19
20
1
5
7
0
7
0
5
31
495
Total
Primary School
Male
Foreign Banks
B anks
46
5
2
3
292
19
1
2
1
2
47
48
18
486
113
50
9
4
51
28
2,543
2
1,673
4
400
92
365
0
0
81
3
7
4
82
1,863
16
8
0
1
49
6
0
1
0
5
10
16
4
116
47
12
0
1
51
9
2,482
0
668
0
336
31
203
0
2
17
1
15
0
41
662
4,578
Female
High School
7,374
Male
62
13
2
4
341
25
1
3
1
7
57
64
22
602
160
62
9
5
102
37
5,025
2
2,341
4
736
123
568
0
2
98
4
22
4
123
2,525
11,952
Total
284
65
4
13
1,088
108
13
16
12
3
184
224
89
2,103
351
83
26
17
353
178
3,164
41
3,729
4
1,367
256
1,964
5
17
531
8
31
16
186
6,165
18,492
193
45
9
9
452
84
10
10
12
12
117
165
112
1,230
428
89
7
20
464
210
3,856
46
6,090
4
2,647
363
2,673
7
16
719
5
36
21
296
10,001
27,998
Female
477
110
13
22
1,540
192
23
26
24
15
301
389
201
3,333
779
172
33
37
817
388
7,020
87
9,819
8
4,014
619
4,637
12
33
1,250
13
67
37
482
16,166
46,490
Total
Undergraduate
Male
53
12
1
0
372
34
7
5
4
2
78
70
46
684
66
23
3
15
51
37
271
19
321
0
118
34
194
8
10
98
17
12
11
31
426
43
3
1
0
228
30
10
4
2
5
70
43
50
489
54
22
0
5
45
55
317
15
398
1
129
46
184
6
6
85
4
2
5
21
544
1,944
Female
Postgraduate
1,765
Male
96
15
2
0
600
64
17
9
6
7
148
113
96
1,173
120
45
3
20
96
92
588
34
719
1
247
80
378
14
16
183
21
14
16
52
970
3,709
Total
386
84
7
16
1,901
164
21
24
17
9
338
378
164
3,509
541
167
41
37
462
243
6,122
62
5,789
10
1,885
398
2,542
14
31
716
28
57
31
304
8,484
27,964
Male
Total
252
56
10
10
739
121
20
16
14
24
203
224
168
1,857
532
124
7
26
560
274
6,801
61
7,161
5
3,112
443
3,061
13
25
822
10
53
26
358
11,208
34,682
Female
638
140
17
26
2,640
285
41
40
31
33
541
602
332
5,366
1,073
291
48
63
1,022
517
12,923
123
12,950
15
4,997
841
5,603
27
56
1,538
38
110
57
662
19,692
62,646
Total
II-272
17,409
311
469
5,551
452
1,823
7,124
1,334
345
East Marmara
Bilecik
Bolu
Bursa
Düzce
(VNLúHKLU
.RFDHOLø]PLW
6DNDU\D$GDSD]DUÕ
Yalova
22,654
19,187
311
3,156
7,333
480
262
262
760
365
612
2,691
287
678
936
West Black Sea
Amasya
%DUWÕQ
dDQNÕUÕ
Çorum
Karabük
Kastamonu
Samsun
Sinop
Tokat
Zonguldak
5,539
398
2,314
341
313
419
358
858
538
16,498
4,009
5,899
421
1,543
664
2,582
921
459
No. of
Employees
West Anatolia
Ankara
Karaman
Konya
Mid-Anatolia
Aksaray
Kayseri
.ÕUÕNNDOH
.ÕUúHKLU
1HYúHKLU
1L÷GH
Sivas
Yozgat
Mediterranean
Adana
Antalya
Burdur
Hatay (Antakya)
Isparta
øoHO0HUVLQ
.DKUDPDQPDUDú
Osmaniye
Regions and Provinces
Total
Foreign Countries
South-East Anatolia
$GÕ\DPDQ
Batman
'L\DUEDNÕU
Gaziantep
Kilis
Mardin
Siirt
ùDQOÕXUID
ùÕUQDN
Bingöl
Bitlis
(OD]Õ÷
Hakkari
Malatya
0Xú
Tunceli
Van
North East Anatolia
$÷UÕ
Ardahan
Bayburt
Erzincan
Erzurum
,÷GÕU
Kars
* The classification of "Statistical Regional Units", in the Decree No.2002/4720 of Council of Ministers(Official Gazette dated September 22, 2002 and No.24884) is used in this table.
4,039
329
588
157
847
502
1,616
21,152
956
1,866
1,975
11,049
664
1,937
2,153
552
Aegean
Afyonkarahisar
$\GÕQ
Denizli
ø]PLU
Kütahya
Manisa
0X÷OD
8úDN
East Black Sea
Artvin
Giresun
*PúKDQH
Ordu
Rize
Trabzon
6,104
1,991
913
831
633
1,736
86,986
No. of
Employees
West Marmara
%DOÕNHVLU
Çanakkale
Edirne
.ÕUNODUHOL
7HNLUGD÷
øVWDQEXO
Table 18 Bank Employees by Geographical Regions and Provinces, as of December 31, 2015
201,204
494
270
6,767
463
333
1,443
2,549
107
529
183
933
227
2,904
141
218
691
131
801
167
130
625
3,055
269
119
100
294
1,815
179
279
No. of
Employees
II-273
6,876
302
746
520
3,112
261
677
1,092
166
4,787
126
177
1,766
169
577
1,288
517
167
1,214
111
187
57
253
202
404
Aegean
Afyonkarahisar
$\GÕQ
Denizli
ø]PLU
Kütahya
Manisa
0X÷OD
8úDN
East Marmara
Bilecik
Bolu
Bursa
Düzce
(VNLúHKLU
.RFDHOLø]PLW
6DNDU\D$GDSD]DUÕ
Yalova
East Black Sea
Artvin
Giresun
*PúKDQH
Ordu
Rize
Trabzon
72,248
4,433
11,491
2,571
18,002
10,266
25,485
219,120
5,616
9,631
79,517
10,512
25,467
52,077
28,530
7,770
367,765
16,362
36,759
31,597
173,216
13,732
34,876
50,659
10,564
106,565
37,473
18,019
12,913
10,699
27,461
724,957
No. of
POS
81,057
5,286
12,877
3,021
19,877
11,572
28,424
234,747
6,238
10,665
87,351
11,336
26,079
55,301
29,538
8,239
387,251
18,123
39,026
33,784
180,234
15,245
38,012
51,362
11,465
117,210
41,607
19,749
13,963
11,740
30,151
738,677
No. of
Merchants
4,799
3,909
92
798
2,077
144
85
84
215
146
168
616
88
212
319
West Black Sea
Amasya
%DUWÕQ
dDQNÕUÕ
Çorum
Karabük
Kastamonu
Samsun
Sinop
Tokat
Zonguldak
1,652
140
635
124
88
163
116
237
149
5,066
981
1,938
131
532
226
789
309
160
No. of
ATM
West Anatolia
Ankara
Karaman
Konya
Mid-Anatolia
Aksaray
Kayseri
.ÕUÕNNDOH
.ÕUúHKLU
1HYúHKLU
1L÷GH
Sivas
Yozgat
Mediterranean
Adana
Antalya
Burdur
Hatay (Antakya)
Isparta
øoHO0HUVLQ
.DKUDPDQPDUDú
Osmaniye
Regions and
Provinces*
126,994
10,218
5,260
4,103
14,196
7,075
9,917
40,086
5,273
14,634
16,232
261,023
195,173
6,325
59,525
97,791
8,078
37,338
7,022
5,089
9,604
7,164
14,269
9,227
293,606
58,961
108,554
7,809
30,225
12,883
47,662
18,048
9,464
No. of
POS
138,125
11,224
6,010
4,429
15,491
7,590
10,628
42,413
6,088
15,808
18,444
276,084
206,835
6,950
62,299
103,346
8,804
38,783
7,318
5,479
9,889
7,735
15,095
10,243
301,736
60,621
107,029
8,447
32,481
13,734
49,813
19,498
10,113
No. of
Merchants
Total
Foreign Countries
South-East Anatolia
$GÕ\DPDQ
Batman
'L\DUEDNÕU
Gaziantep
Kilis
Mardin
Siirt
ùDQOÕXUID
ùÕUQDN
Bingöl
Bitlis
(OD]Õ÷
Hakkari
Malatya
0Xú
Tunceli
Van
North East Anatolia
$÷UÕ
Ardahan
Bayburt
Erzincan
Erzurum
,÷GÕU
Kars
Regions and
Provinces*
21,002
218
2,481,688
43,755
105,958
8,672
7,216
19,317
37,840
2,000
8,598
3,352
15,821
3,142
51,165
2,903
3,585
11,122
2,251
16,187
3,436
1,733
9,948
33,276
3,854
1,513
1,434
5,293
14,402
2,714
4,066
No. of
POS
208
14
1,903
144
99
379
650
39
152
68
291
81
992
53
70
194
61
292
65
49
208
690
88
33
27
109
302
48
83
No. of
ATM
* The classification of "Statistical Regional Units", in the Decree No.2002/4720 of Council of Ministers(Official Gazette dated September 22, 2002 and No.24884) is used in this table.
2,257
763
351
283
249
611
11,220
No. of
ATM
West Marmara
%DOÕNHVLU
Çanakkale
Edirne
.ÕUNODUHOL
7HNLUGD÷
øVWDQEXO
Regions and
Provinces*
Table 19 Number of ATM, POS and Merchants by Geographical Regions and Provinces, as of December 31, 2015
2,605,680
21,948
216
112,580
9,695
7,550
20,488
39,487
2,188
9,390
3,640
16,808
3,334
55,795
3,258
4,031
12,618
2,339
17,329
3,802
1,766
10,652
36,908
4,418
1,683
1,602
5,691
15,945
3,049
4,520
No. of
Merchants
II-274
Leasing
Kazakhstan Ijara Company
Banking
Euro Deniz International Banking Unit
Ltd. (AC)
ING European Financial Services Plc.
(AC)
Finance
Banking
Denizbank AG (AC)
,1*%DQN$ù
Banking
JSC Deniz Bank Moscow (AC)
'HQL]EDQN$ù
Leasing
Euroasian Leasing Company
Anadolubank Nederland B.V. (AC)
Banking
Banking
Akbank (Dubai) Limited (AC)
$QDGROXEDQN$ù
Banking
Field of
Activity
Akbank AG (AC)
$NEDQN7$ù
Banks
1994
1996
1996
1998
2012
2012
2006
2009
2006
1994
2002
2002
2003
2012
2014
2006
2009
2006
John T. Mc Carthy
-
Sergey Gorkov
+DNDQ$WHú
Khaled Mohammed Al
Aboodi
Khaled Mohammed Al
Aboodi
0HKPHW5úW%DúDUDQ
/HYHQWdHOHELR÷OX
/HYHQWdHOHELR÷OX
Date of Date of
Establis Particip.
-
2OFD\<ÕOPD]HU6HUDO
Ahmet Mesut Ersoy
2÷X]<DOoÕQ
<XVXI.DUúÕ
Airat Ganiev
Selim Yakar
Dirk Van Leeuwen
Cem Ataç
Banu Özcan
General Manager
971-44486465
971-444 86466
7-727-2281818
7843-5265477
392-2283153
43-1-5051052020
Block 4, Dundrum Town Centre Sandyford 353-1-6384084
Road, Dundrum, Dublin 16 Ireland
ùHULI$U]ÕN6RN/HINRúD..7&
Thomas Klestil Platz 1 A 1030 Vienna
Austria
2nd Zvenigorodskaya Str. No 13/42 6 th
7-495-7251020
Floor 123022 Moscow Russian Federation
Office 63, 51/78 Kabanbay Batyr
Kaldayakov Street Almaty Kazakhstan
Vishnevsky Street 26, Office 201 Kazan
Tatarstan
353-1-6384080
392-2272542
43-1-5051052029
7-495-7251025
7-727-2281818
7843-5265483
31-20- 5171909 /
1911
49-69-29717104
Fax
49-69-29717100
Phone
De Boelelaan 7 1083 HJ Amsterdam, The 31-20- 5171900
Netherlands
DIFC, Gate Village 10, Level 5, Office
No:506 Dubai, United Arab Emirates
Akbank AG Taunustor 1 D-60310
Frankfurt am Main Germany
Address
Table 20 Equity Participations and Affiliated Companies of Turkish Banks Abroad, as of December 31, 2015
II-275
2011
Financial
Services
=DKOXQVGLHQVWH*PEK'HUùHNHUEDQN
7$ù$&
Banking
Banking
Banking
Banking
Banking
ZiraatBank BH D.D.(AC)
Ziraat Bank Azerbaycan ASC (AC)
Ziraat Bank International AG (AC)
Ziraat Bank Montenegro AD (AC)
Ziraat Bank (Moscow) CJSC (AC)
The Economy Bank N.V. (AC)
Banking
Banking
Uzbekistan Turkish Bank(UTBANK)
JSC
Banking
Banking
Kazakhstan Ziraat International Bank
(AC)
Turkmen Turkish Joint Stock
Commercial Bank
Banking
Azer Türk Bank ASC
1998
1993
2015
2001
2014
1996
1993
1993
1993
1995
1996
Banking
ùHNHUEDQN.ÕEUÕV/WG$&
7&=LUDDW%DQNDVÕ$ù
1994
1998
1993
2015
2001
2016
1996
1993
1993
1993
1995
2011
1996
1994
Yavuz Canevi
0XKDUUHP.DUVOÕ
+VH\LQ$\GÕQ
Osman Arslan
+VH\LQ$\GÕQ
+VH\LQ$\GÕQ
øO\RV$PRQRY
Polat Allaguliyev
gPHU0X]DIIHU%DNWÕU
)DPLOøVPDLORY1DMDI
-
Hasan Basri Göktan
Hasan Basri Göktan
Date of Date of
Establis Particip.
Banking
Field of
Activity
ùHNHUEDQN,QWHUQDWLRQDO%DQNLQJ8QLW
Ltd. (AC)
ùHNHUEDQN7$ù
Banks
Phone
994-12-5055616
387-33-564100
998-71-2738324
993-12-938359
7-727-2506080
994-12-4644212
49-221-735573
392-2280677
Mosalarko Plaza One, Marksistkaya
109147 Moscow Russian Federation
Ulica Slobode 84, 81000 Podgorica
Montenegro
31-20-5039010
7-495-2326737
382-20442200
Am Hauptbahnhof 16 60329 Frankfurt Am 49-69-298050
Main Germany
&DVSLDQ%XVLQHVV&HQWUH--DEEDUOÕ
Str. AZ1065 Baku Azerbaijan Republic
']HQHWLFD&ÕNPD1R6DUDMHYR
Bosnia and Herzegovina
%XQ\RGNRU.RFKDVÕ1R%
Tashkent Uzbekistan
Mahdumguly Avenue 111/2 74400
Ashgabat Turkmenistan
Klockhov Street No 132 480057 Almaty
Kazakhstan
+RFDOÕ3URVSHNWL$]%DNX
Azerbaijan Republic
Komödienstr.9. 50667 Köln Am Main
Germany
Muhtar Yusuf Galleria F Blok Kat 2
$WDWUN&DG/HINRúD..7&
Muhtar Yusuf Galleria F Blok Kat 3 Atatürk 392-2289109
&DG/HINRúD..7&
Address
g]GHQ%DúDUDQ2GDEDúÕ Prf W.H. Keesomlaans 5, 1183 DJ
Avni Demirci
0XVWDIDùHQPDQ
Ayten Türkmen
$OL.ÕYDQohQDO
Avni Demirci
$OL5Õ]D$NEDú
Ercan Bulut
(UWDQ$\GÕQ
$=HNL$ULILR÷OX
Elmar Mammadov
Mammad
Yusuf Baylan
g]FDQ7HNJPú
Ayhan Akgönül
General Manager
31-20-5039020
7-495-2326736
-
49-69-280122
-
387-33-564101
998-71-2739051
993-12-938347
7-727-2506082
994-12-4644203
49-221-731682
392-2280670
392-2289134
Fax
II-276
Banking
Financial
Institution
Banking
Leasing
Garanti Bank Moscow (AC)
Garanti Holding B.V. (AC)
Garanti Bank SA (AC)
Motoractive IFN SA (AC)
Banking
Banking
Halk Banka A.D. Skopje (AC)
Halkbank A.D. Beograd (AC)
1994
Banking
Banking
-RLQW6WRFN&RPSDQ\-6&øúEDQN
(AC)
JSC Isbank Georgia (AC)
2015
1992
Banking
1956
1993
1992
1997
1998
2009
2007
1995
1990
2007
2015
2011
1992
2015
2011
1992
2010
2010
2010
2010
1996
1990
2010
6XDWøQFH
Adnan Bali
Adnan Bali
Mehmet Hakan Atilla
Hanno Riedlin
8IXN7DQGR÷DQ
8IXN7DQGR÷DQ
Sait Ergun Özen
Marcus P. Padberg
Süleyman Sözen
Süleyman Sözen
Marcus P. Padberg
Date of Date of
Establis Particip.
øúEDQN$*%2
Banking
Demir - Halk Bank (Nederland) N.V.
Financing
Institution
Banking
Garanti Bank International NV. (AC)
Ralfi IFN SA (AC)
Financial
Institution
Field of
Activity
G Netherlands BV (AC)
Banks
Ahmet Türk
(PUH<ÕOGÕ]$FWLQJ
N. Burak Seyrek
1HFGHW3DODNoÕ
.D\KDQ$FDUGD÷
Bogdan Dobre
Okan Murat Yurtsever
8IXN7DQGR÷DQ
-
Murat Remzi Vural
6XDW(UKDQ=H\QHOR÷OX
-
General Manager
31-20-5539700
31-20- 5539700
Phone
31-10-4406635
40-21-3878107
40-21-3878146
40-21-2089260
31-20- 5539700
Agmashenebeli Street, No:140/B,
Marjanishvili Tbilisi Georgia
13D Nametkina Str. 117420 Moscow
Russian Federation
Hauptverwaltung Rossmarkt 9 60311
Frankfurt Main Frankfurt Germany
995-32-2310515
74- 95-2321234
49-0-6929901103
Bulevar Milutina Milankovica 9z / Belgrade 381- 0112041800
Belgrade Serbia
Sv. Kiril i Metodij No. 54, BB 1000 Skopje / 389-02-3240 800
Macedonia
Parklaan 8 3016 BB Rotterdam, The
Fabrica De Glucoza Street, No 5,
Novoparc 3 Building, Corp F, Floor 4,
Distict 2, Bucharest, 020331, Romania
Novopark 3 Building, Corp F, Floor 4,
Novopark 3 Building, Corp F, Floor 5,
Keizersgracht 569 - 575 1017 DR
Amsterdam The Netherlands
Presnenskaya Naberezhnaya 8 Building 1 7-495-9880707
Moscow 123317 Russian Federation
Address
995-32-2310516
74-95-2322871
49-0-6929901116
-
389-02-3240 878
31-10-4369252
40-21-3878001
40-21-3878001
40-21-2089286
31-20- 5539990
7-488-9880606
31-20-6242466
31-20- 5539990
Fax
II-277
Field of
Activity
1998
2001
1999
1994
2007
2014
Custody
Services
Banking
Banking
Finance
Banking
Portfolio
Management
Banking
Stichting Custody Services YKB (AC)
<DSÕ.UHGL%DQN$]HUED\FDQ&ORVHG
Joint Stock Company (AC)
<DSÕ.UHGL%DQN1HGHUODQG19$&
<DSÕ.UHGL+ROGLQJ%9$&
<DSÕ.UHGL%DQN0RVFRZ$&
AC : Affiliated Company
<DSÕ.UHGL%DQN0DOWD/WG
<DSÕ.UHGL,QYHVW/LPLWHG/LDELOLW\
Company
2001
Banking
Banque De Commerce Et De
Placements S.A.
1963
1999
Banking
9DNÕIEDQN,QWHUQDWLRQDO$*$&
1982
Banking
2007
2014
2007
1994
1999
2001
1998
2001
1996
1999
1989
2007
Cenk Yüksel
-
Alain Bruno Levy
Ramazan Gündüz
2VPDQ%D\KDQOÕ
7XQDùDKLQ
Date of Date of
Establis Particip.
.ÕEUÕV9DNÕIODU%DQNDVÕ/WG
øVWDQEXO5LVN6HUPD\HVL*LULúLPL,9&, Venture Capital
Banks
Registered Office 5, Allée Scheffer, L2520 Luxembourg
Address
Rinaldo Minuti
-
%R÷DoKDQ*OOHU
-
Semih Ulugöl
Cenk Yüksel
-
1DFL6Õ÷ÕQ
-
31-20-3445555
41-22-9091919
43-1-5123520
392-2285871
352-4767 5582
Phone
Aragon House Business Centre, Fifth
Floor, Dragonara Road, St. Julian’s STJ
3140 Malta
356-224 77 222
<DVDPDO'LVWULFW&DIHU&DEEDUOÕ6WU 99-412-4977795
AZ 1085 Baku Azerbaijan
1 Building 2, Goncharnaya Naberezhnaya 74-95-2349889
115172 Moscow Russian Federation
Rembrandt Tower Amstelplein 1, 1096 HA 31-20-3445555
Amsterdam, The Netherlands
Rembrandt Tower Amstelplein 1, 1096 HA 31-20-3445555
<DVDPDO'LVWULFW&DIHU&DEEDUOÕ6WU 99-412-4977795
AZ 1085 Baku Azerbaijan Republic
Rembrant Tower Amstelplein 1 1096 HA
1, Rue De la Fontain, PO Box 3069 1211
Geneva 3 Switzerland
Karntner Ring 18 1010 Wien Austria
0&HQJL](UoD÷$FWLQJ $WDWUN&DG32%R[/HINRúD
K.K.T.C.
-
General Manager
356-2137 4560
99-412-4970276
74-95-9561972
31-20-6631331
31-20-6631331
99-412-4970276
31-20-6631331
41-22-9091900
43-1-512352020
392-2275169
352- 4767 4582
Fax
II-278
Phrishtina
Kosova
Prizren
Manama
Baghdad
Arbil
98-21 22051811
98-21-88304715
964-662-649968
964-66-2100546
964 224 62 37
964-790-4181390
964-770-9194450
Gulan District 100. Str. No 159/735 Arbil Iraq
Gulan Street UB Plaza Bakhtiary 48640 Arbil Iraq
Gulan Street Star Tower, Arbil Iraq
Weziriye Area 301St. District No 19 Baghdad Iraq
Weziriye Area 301St. District, Str. No 4 , No 7 Baghdad Iraq
7UNL\H+DON%DQNDVÕ5
7&=LUDDW%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\H9DNÕIODU%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
973-17-211322
973-17-215300
973-17-537711
973-17-549222
973-17-538662
973-17-541055
381-38-222000
381-38-245245
381-29-245255
Unitag House 5th Floor P.O.Box 2435 Manama Kingdom of Bahrain
Unitag House, 8th Floor Government Avenue, Manama Kingdom of Bahrain
Almoayyed Tower, 33rd Floor, Suite 3302, Al Seef District, P.O. Box 11378
Manama Bahrain
Al Jasrah Tower 8th Floor, Diplomatic Area P.O. Box 10205 Manama Kingdom
of Bahrain
1704 Road, Al Rossais Tower, 10th Floor, Off. Nr. 102&103, PO. Box 10242
Diplomatic Area, Manama Kingdom of Bahrain
Bahrain Development Bank Building 2nd Floor PO.Box. 10615 Diplomatic Area
Manama Kingdom of Bahrain
Pashko Vasa 18, 10000 Prishtina Kosova
Rruga UCK No 43 Phristine Kosova
Rr. Zahir Pajaziti nr.KK Lakuriqi 2-Blloku A-1 20000
Finans Bank (B)
ING Bank (B)
7UNL\H+DON%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
<DSÕYH.UHGL%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ$ù%
Kosova
973-17-541137
Al Jasrah Tower 6 th Floor Office No 62/63 P.O.Box 10357 Diplomatic Area
Manama Kingdom of Bahrain
Denizbank (B)
7&=LUDDW%DQNDVÕ5
30-254-1069420
7&=LUDDW%DQNDVÕ%
Xanthi
30-224-1043702
Grigoriou Lampraki 16 & Amerikis Tk 85100 Rhodes Greece
Unit:72 9th Floor Aytek Building No 13 Golshehr Boulevard Africa Boulevard
Tehran Iran
3rd Floor Building 114, Ghaem Magham Farahani Ave. Tehran Iran
7&=LUDDW%DQNDVÕ%
Rhodes
30-253-1085930
M. Karaoli 68 67100 Xanthi Greece
7&=LUDDW%DQNDVÕ%
Komotini
Tehran
7&=LUDDW%DQNDVÕ%
Athens
Kingdom of
Bahrain
Iraq
Iran
Greece
30-210-3223038
49-211-86222301
Heinrich-Heine Allee 1 40213 Düsseldorf Deutschland
7UNL\H*DUDQWL%DQNDVÕ5
Dusseldorf
Platia Irinis 17 & Papaflesa 1 T.K. 69100 Komotini Greece
49-30-46601609
Bastian Str. 3. 13357 Berlin Deutschland
Ermou 2 5th Floor 10563 Athens Greece
995-32-2943704
David Agmashenebeli Avenue No 61 PO.Box 0102 Tbilisi Georgia
ICBC Turkey Bank (R)
Berlin
7&=LUDDW%DQNDVÕ%
Germany
Tbilisi
995-42 2227501
Luka Asatiani Str. No:1/C (Rustavelli Avenue No:25/C) Batum Georgia
7&=LUDDW%DQNDVÕ%
Batum
20-22-4619813
Georgia
359-52-912500/502
Nile City Towers, 2005 C Cornish El Nil, North Tower, 27th Floor Cairo Egypt
7UNL\Høú%DQNDVÕ5
24 Slivnitza Str. Varna Bulgaria
7&=LUDDW%DQNDVÕ%
Varna
Cairo
359-2-9806661
Todor Alexandrov Blvd. Tzar Samuil Str. No 87 1301 Sofia Bulgaria
7&=LUDDW%DQNDVÕ%
Sofia
359-32-511921-24
4 Tsabribrod 4000 Plovdiv Bulgaria
7&=LUDDW%DQNDVÕ%
Plovdiv
Phone
359-361-54650-58
Address
2A Bulair Str. Kardzhali 6600 Bulgaria Bulgaria
Banks
7&=LUDDW%DQNDVÕ%
City
.ÕUFDDOL
Egypt
Country
Bulgaria
Table 21 Branches and Representative Offices of Turkish Banks Abroad, as of December 31, 2015
Fax
381-29-245244
381-38-224542
-
973-17-541056
973-17-0514496
973-17-549218
973-17-535463
973-17-217900
973-17-211339
973-17-541139
-
-
-
212-3160377
-
98-21-88301000
98-21-22656428
30-254-1066641
30-224-1073029
30-253-1085927
30-210-3221796
49-211-86222350
49-30-46601619
995-32-2943834
-
20-22-4619810
359-52-912505
359-2-9802113
359-32-511925
359-36-154659
II-279
T.R.N.C.
Kyrenia
Famagusto
People Republic Shangai
of China
352-223321222
392-3653859
392-8159979
392-8154814
392-8152584
392-8156335
392-8223633
392-6505350
392-6505320
392-8160234
392-8161207
392-8151090
392-8159988
392-8158510
392-8152210
392-8156382 / 83
392-8223632 / 34
392-6505330
392-6505300
392-8160230-32
392-8161203
392-8153313
=L\D5Õ]NÕ&DG1R0HUNH].\UHQLD751&
2UKDQ'XUXVR\&DG1HR3DUN$901R<XNDUÕ*LUQH..7&
Atatürk Cad. Kordonboyu Phelecia Court Sitesi No 37 Kyrenia T.R.N.C.
8÷XU0XPFX&DG1R.DUDNXP2]DQN|\0HYNLL.\UHQLD751&
'U%HNLU3DúDR÷OXøú0HUNH]L1R.DUDR÷ODQR÷OX.\UHQLD751&
Atatürk Cad. No 56 Kyrenia T.R.N.C.
0HWH$GDQÕU&DG1R$.\UHQLD751&
<XNDUÕ*LUQH0DK+DNNÕ%RUDWDú&DG.\UHQLD751&
Bedrettin Demirel Cad. No.29 Kyrenia T.R.N.C.
=L\D5Õ]NÕ&DG1R.\UHQLD751&
7&=LUDDW%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7UNL\H*DUDQWL%DQNDVÕ%
7UNL\H+DON%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
392-3300246
/DUQDND%XOYDUÕ.|VHR÷OX&HQWHU1R%DKoHOHUøVNHOH)DPDJXVWR751&
7UNL\Høú%DQNDVÕ%
7UN(NRQRPL%DQNDVÕ%
392-3777620
392-3300251
392-3777621
2UGX&DG1R$$NGR÷DQ)DPDJXVWR751&
7UNL\Høú%DQNDVÕ%
HSBC Bank (B)
392-3664988
392-3665318
1DPÕN.HPDO0H\GDQÕ1R)DPDJXVWR751&
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
392-6300320
392-3656706
392-6300300
392-3300277-78
øSDUøú0HUNH]L1RøVNHOH)DPDJXVWR751&
7&=LUDDW%DQNDVÕ%
øVPHWøQ|Q%XOYDUÕ+DVLSR÷OX5HVLGDQFHYH*QH\%XVLQHVV&HQWHU$%ORN1R 392-3656701
7 Famagusto T.R.N.C.
'R÷X$NGHQL]hQLYHUVLWHVLøVPHWøQ|Q%XOYDUÕ1R)DPDJXVWR751&
392-3653866
392-3655691-92
.DUDNRO0DK6DODPLV<ROX]HULøVPHWøQ|Q%XOYDUÕ1R)DPDJXVWR
T.R.N.C.
7&=LUDDW%DQNDVÕ%
6DNDU\D0DK(úUHI%LWOLV&DGGHVL1R)DPDJXVWR751&
392-3300283
392-3777606
'U)D]ÕO.oN0DK$NGR÷DQ)DPDJXVWR751&
7&=LUDDW%DQNDVÕ%
7UNL\H+DON%DQNDVÕ%
392-3777613
392-3655699
392-3655920
øVPHWøQ|Q%XOYDUÕ1R6DNDU\D)DPDJXVWR751&
392-3655839
392-3655931
392-3655830
øVPHWøQ|Q%XOYDUÕ6DODPLV<ROX6DNDU\D.DUúÕVÕ)DPDJXVWR751&
86-21-50470885
86-21-58793896
356-23288160
356-21-383666
7UN(NRQRPL%DQNDVÕ%
86-21-50470882
4407 Jin Mao Tower 88 Century Bouleward 200121, Pudong New Area,
Shanghai People Republic of China
7UNL\Høú%DQNDVÕ5
Fax
966-2-6643516
HSBC Bank (B)
86-21-58797900
Pudong Ave. Marine Tower No 1, Room 1304 200120 Shanghai, People
Republic of China
356-23288000
Sliema
36/4-5 Strand Towers The Strand Sliema Malta
Portomaso
356-21-383500
Portomaso Business Tower Level 6 Portomaso PTM 01 St.Julians Portomaso
Malta
Akbank (B)
Malta
352-2233211
7 Thomas Edison L-1445 Strassen Luxembourg
Luxemburg
Luxembourg
Phone
966-2-6655433
Address
Al Rawdah Dist. 1.Al Rawdah Str. PO. Box 54759 Jeddah 21524 The Kingdom
of Saudi Arabia
Banks
7&=LUDDW%DQNDVÕ%
Country
City
The Kingdom of Cidde
Saudi Arabia
II-280
New York
Nicosia
City
Morphou
(B) : Branch
392-6602040
392-6602037
392-2286815
392-2290762
392-2280302
392-2282401
392-2241317
392-2240724
392-6803020
392-2282900
392-2369153
392-2257208
392-2236707
392-2277602
392-2256535
392-6711137
392-2231638
392-2292040
392-2280255
392-2283050
392-2241315-16
392-2240516
392-6005300
392-6803000
392-2288546
392-2369151 / 52
392-2252808
392-2231702
392-2270415
392-2256801
392-6711111
392-2231354
392-2283133
1-212-5575612
1-212-6219400
0HKPHW$NLI&DG1R.|úNOoLIWOLN1LFRVLD751&
*LUQH&DG1R/HINRúD..7&
*LUQH.DSÕ&DGøEUDKLPSDúD6RN1R1LFRVLD751&
<DNÕQ'R÷XhQLYHUVLWHVL.DPSVøo0LPDUOÕN)DNOWHVL$OWÕ1LFRVLD751&
*QD\GÕQ6RN1R*|Q\HOL1LFRVLD751&
Bedreddin Demirel Cad. No 114 Nicosia T.R.N.C.
Düzyol Sokak No 12/B Gönyeli Nicosia T.R.N.C.
ùHKLW0XVWDID5XVR&DGGHVL1R$.oNND\PDNOÕ751&
.|úNOdLIWOLN0DK2VPDQSDúD&DGhPLW$SW1R1LFRVLD751&
LQFL0NQ]37P.OÕ÷Õ3DúDN|\1LFRVLD751&
'U)D]ÕO.oN%XOYDUÕ1R+DPLWN|\/HINRúD751&
Cebeci Sokak, No 19 Yenikent Gönyeli T.R.N.C.
.HPDO$úÕN&DG1R$.oNND\PDNOÕ1LFRVLD751&
ùHKLW0XVWDID0HKPHW6RNDN1R7DúNÕQN|\1LFRVLD751&
8OXVODUDUDVÕ.ÕEUÕVhQLYHUVLWHVL+DVSRODW.DPSXVX+DVSRODW1LFRVLD751&
<DNÕQ'R÷XhQLYHUVLWHVL.DPSV'LNPHQ1LFRVLD751&
Girne Cad. No 9 Nicosia T.R.N.C.
122 East 42nd Str. Suite 310 N.Y.10168 U.S.A.
36th Floor, 1177 Avenue of the Americas, New York N.Y.10036 U.S.A.
7UN(NRQRPL%DQNDVÕ%
7UN(NRQRPL%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
7UNL\H+DON%DQNDVÕ%
7UNL\H+DON%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
7&=LUDDW%DQNDVÕ%
44-20-77612500
44-20-71514132
44-20-76067151
44-20-7397144
Fifth Floor 192 Sloane Street London SW1X 9QX England
48 Dover Street, Floor 1, London, W1S 4FF England
8 Princes Street London EC 2R 8H England
14 South Mall, Edmonton Green Shopping Centre, Edmonton Gree England
7UNL\H+DON%DQNDVÕ5
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ$ù%
* Affiliated Branch
44-20-76004985
Basildon House 7/11 Moorgate / London EC2R 6 DB England
7&=LUDDW%DQNDVÕ%
44-20-88870636
44-20-77262566
44-20-71514131
44-20-72459239
44-20-76004987
1-212-7078745
1-212-4908076
392-2280802
392-6005320
392-2241045
392-2285510
*D]HWHFL.HPDO$úÕN&DG1R1LFRVLD751&
ING Bank (B)
212-3706514
øVPHWøQ|Q6RN1R$<HQLNHQW1LFRVLD751&
HSBC Bank (B)
392-2241040
$WDWUN&DG1R<HQLúHKLU2UWDN|\/HINRúD751&
HSBC Bank (B)
392-2270300
392-6611951
2UWD'R÷X7HNQLNhQLYHUVLWHVL.X]H\.ÕEUÕV.DPSV.DONDQOÕ0RUSKRX
T.R.N.C.
/HINH$YUXSDhQLYHUVLWHVL.DPSV*HPLNRQD÷Õ/HINH0RUSKRX751&
7UNL\Høú%DQNDVÕ%
7UNL\Høú%DQNDVÕ%
392-7146859
392-6611954
392-7146860
Ecevit Cad. No 24/B Morphou T.R.N.C.
392-6603020
392-6603000
Ecevit Caddesi No: 29 / A Morphou T.R.N.C.
7UNL\Høú%DQNDVÕ%
Fax
392-7142763
Phone
392-7142148
Address
Ecevit Cad. No 231 Morphou T.R.N.C.
Banks
7&=LUDDW%DQNDVÕ%
(R) : Representative Office
United Kingdom London
U.S.A.
Country
Table 22 Representative Offices in Turkey, as of December, 31 2015
Banks
Head Office Address
Phone
Fax
Aareal Bank A.G.
Germany
212-349 02 00
212-349 02 99
212-290 68 90
212-290 68 91
216-472 72 83
216-472 72 84
Alubaf Arab International Bank B.S.C.
(EXOXOD0DUGLQ&DG0D\D0HULG\HQøú0HUNH]L'%ORN$NDWODU
øVWDQEXO
United Kingdom (VNL%\NGHUH&DG$\D]D÷D<ROX6RNø]3OD]D1R.DW'DLUH
0DVODNøVWDQEXO
gUQHN0DK)LQDQVdÕNPD]Õ6RN1R.DW$WDúHKLUøVWDQEXO
Bahrain
Axion Swiss Bank SA
Switzerland
ABC International Bank PLC
Banco Bilbao Vizcaya Argentaria S.A.(BBVA) Spain
%DUEDURV%XOYDUÕ0RUEDVDQ6RNDN.R]Døú0HUNH]L%%ORN.DW%HúLNWDú 212-274 38 72-73
øVWDQEXO
1LVSHWL\H0DK$\WDU&DG1R/HYHQW%HúLNWDúøVWDQEXO
212-318 18 25
212-274 49 94
212-216 60 28
Banco Sabadell S.A.
Spain
Büyükdere Cad. No 201 Levent Loft Kat 1 Daire 16 Esentepe 34330
/HYHQWøVWDQEXO
0HWH&DG<HQL$SW1R7DNVLPøVWDQEXO
Bank Al Habib Limited
Pakistan
(VHQWHSH0DK%\NGHUH&DG1R.DW'DLUH1RùLúOLøVWDQEXO
212-371 85 80
-
Bank Julius Baer & Co.Ltd.
Switzerland
0DoND&DG1R9HKEL%H\$SW7HúYLNL\HùLúOLøVWDQEXO
212-368 82 13
212-296 79 72
Bank of Bahrain and Kuwait
Bahrain
%\NGHUH&DG1RùLúOLøVWDQEXO
212-288 99 01
-
Bank of China Limited
China
%\NGHUH&DG.DQ\RQ2ILV%OR÷X.DW/HYHQWøVWDQEXO
212-260 88 88
212-279 88 66
6OH\PDQ6HED&DG1R%-.3OD]D$$NDUHWOHU%HúLNWDú
øVWDQEXO
<HQHU6RN1R.DW*D\UHWWHSHøVWDQEXO
212-327 42 80-81
212-327 42 82
212-293 00 32
212-251 74 10
(212) 244 90 42
212-251 43 85
Banco Popular Espanol S.A.
Spain
%DQTXH,QWHUQDWLRQDOHGH&RPPHUFH
%5(' France
212-280 10 34
212-280 10 35
212-249 78 92
212-280 10 33
BNP Paribas S.A.
France
BSI SA
Switzerland
Caixabank S.A.
Spain
Citibank N.A.
U.S.A.
6]HU3OD]D$VNHU2FD÷Õ&DG1R.DW'DLUH(OPDGD÷ùLúOL
øVWDQEXO
/HYHQW0DK&|PHUW6RN<DSÕ.UHGL3OD]D&%ORN1R&.DW 212-279 95 02-03
/HYHQWøVWDQEXO
%\NGHUH&DG0D\D$NDU&HQWHU1R(VHQWHSHøVWDQEXO
212-336 05 13-14
Commerzbank A.G.
Germany
1LVSHWL\H&DG$NPHUNH]5HVLGHQFH'(WLOHU%HúLNWDúøVWDQEXO
Credit Europe Bank N.V.
Hollanda
Credit Industriel et Commercial
France
Deg-Deutsche Investitions-und
Entwicklungsgesellschaft MBH
Demir-Halk Bank (Nederland) N.V.
Germany
9LúQH]DGH0DK6OH\PDQ6HED&DG%-.3OD]D$%ORN1R
212-310 05 50
$NDUHWOHU%HúLNWDúøVWDQEXO
Süleyman Seba Cad. No 48 BJK Plaza A Blok K4 D41 34357 Akaretler
212-227 67 39-40
%HúLNWDúøVWDQEXO
.DQ\RQ2ILV%OR÷X%\NGHUH&DG.DW1R/HYHQWøVWDQEXO 212-317 81 91
Netherlands
Doha Bank
Qatar
Dubai Islamic Bank
United Arab
Emirates
Germany
DZ Bank A.G.
6]HU3OD]D$VNHURFD÷Õ&DG1R.DW2GD(OPDGD÷
ùLúOLøVWDQEXO
%D÷GDW3DODV3OD]D1R.DW'DLUH%D÷GDW&DGGHVL
&DGGHERVWDQ.DGÕN|\øVWDQEXO
gPHU$YQL0DKøQHEROX6RN6PEONRQDN$SW1R.DW%H\R÷OX
øVWDQEXO
Maya Akar Center Büyükdere Cad. No 100-102 B Blok Kat 15 Daire 59
(VHQWHSHùLúOLøVWDQEXO
$\D]D÷D<ROX1Rø]3OD]D*L].DW0DVODNøVWDQEXO
Garantibank International N.V.
Netherlands
Goldman Sachs International Bank
JSC Bank of Georgia
United Kingdom %\NGHUH&DG1R7HNIHQ7RZHU.DW1R/HYHQWùLúOL
øVWDQEXO
.D÷ÕWKDQH3RODW2ILVøPUDKRU&DG1R%%ORN.DW.D÷ÕWKDQH
Hungary
øVWDQEXO
Netherlands
(VNL%\NGHUH&DG$\D]D÷D.|\<ROX1R$.DW0DVODN
øVWDQEXO
/HYHQW0DK0HOWHP6RN1Røú.XOHOHUL.XOH.DW%HúLNWDú
Italy
øVWDQEXO
6OH\PDQ6HED&DG1R$%ORN'DLUH$NDUHWOHU%HúLNWDúøVWDQEXO
Georgia
KEB Hana Bank
South Korea
KFW (Kreditanstalt Für Wiederaufbau)
IPEX-Bank GMBH
Landesbank Baden Württemberg
Germany
Mizuho Bank Ltd.
Natixis SA
Hungarian Export-Import Bank PLC.
ING Bank N.V.
Intesa Sanpaolo S.P.A.
Germany
212-280 55 24
212-249 78 90
212-279 95 80
212-319 46 37
212-279 41 76
212-227 67 44
212- 353 52 40
212-292 12 20
212-292 19 40
216-356 29 28-29
216-356 29 27
212-293 70 65-66
212-293 70 50
212-249 77 22
212-249 77 44
212-366 43 01
212-249 77 55
212-371 86 40
212-371 86 61
212-317 92 15
212-210 30 64
212-335 20 64
212-276 58 46 -47
212-385 06 00
212-385 06 49
212-260 21 91
212-359 57 72
Büyükdere Cad. No 100-102 Maya Akar Center Kat 14 Daire 52 34393
212-356 80 40-41
(VHQWHSHùLúOLøVWDQEXO
.DQ\RQ2ILV%OR÷X.DW%\NGHUH&DG1R/HYHQWøVWDQEXO 212-317 90 91
212-366 43 20
212-353 10 36
212-351 89 89
212-351 89 50
Japan
(EXOXOD0DUGLQ&DG0D\D0HULG\HQøú0HUNH]L.DW1R
$NDWODU%HúLNWDúøVWDQEXO
/HYHQW%\NGHUH&DG7HNIHQ7RZHU1R.DWùLúOLøVWDQEXO
212-371 84 74
-
France
<DSÕ.UHGL3OD]D%%ORN.DW/HYHQWøVWDQEXO
212-281 08 65
Near East Bank Limited
T.R.N.C.
+DODVNDUJD]L&DG1RùLúOLøVWDQEXO
212-581 03 72
212-281 07 35
212-234 87 79
Nomura Bank International PLC
United Kingdom %\NGHUH&DGGHVL.DQ\RQ2ILV%OR÷X.DW1R/HYHQWøVWDQEXO
212-316 79 00
-
Oyak Anker Bank GMBH
Germany
212-319 18 30
212-319 38 02
QInvest LLC
Qatar
212-215 20 66
212- 215 20 63
Rabobank International
Netherlands
%\NGHUH&DG.ÕUJO6RN1R0HWURFLW\$90'%ORN.DW
/HYHQWøVWDQEXO
Büyükdere Cad. No 127 Astoria Residence A Blok D 1901 Esentepe
øVWDQEXO
%\NGHUH&DG.ÕUJO6RN1R0HWURFLW\$90'%ORN.DW2GD
/HYHQWùLúOLøVWDQEXO
&XPKXUL\HW&DG3DUN$SW(OPDGD÷ùLúOLøVWDQEXO
212-326 72 00
212-326 72 02
212-234 79 12
State Bank of India
India
212-296 03 50
212-296 66 32
Sumitomo Mitsui Banking Corporation
Japan
0HWURFLW\øú0HUNH]L.ÕUJO6RN1R.DW$'%ORN(VHQWHSHùLúOL
øVWDQEXO
212-371 84 86
212-371 85 50
The Bank of New York Mellon
U.S.A.
212-259 04 47
The Export-Import Bank of Korea
South Korea
UBS A.G.
Switzerland
Süleyman Seba Cad. BJK Plaza B Blok No 48 Kat 6 34357 Akaretler
212-381 75 00
%HúLNWDúøVWDQEXO
0DVODN0DK%\NGHUH&DG1R1RUDPLQøú0HUNH]L'DLUH1R
531-665 45 07
6DUÕ\HUøVWDQEXO
%\NGHUH&DG.DQ\RQ2ILV%OR÷X1R.DW/HYHQWøVWDQEXO 212-319 20 50
212-319 20 55
Union Bancaire Privée, UBP SA
Switzerland
1LVSHWL\H&DG$NPHUNH]5HVLGHQFH1R'$(WLOHU%HúLNWDúøVWDQEXO 212-296 20 40
212-296 35 70
Wells Fargo Bank N.A.
U.S.A.
øú.XOHOHUL%\NGHUH&DG.XOH.DW/HYHQWøVWDQEXO
212-319 09 00
212-319 09 28
Ziraat Bank International AG
Germany
%\NGHUH&DG1R1RUDPLQøú0HUNH]L.DW2ILV1R0DVODN
6DUÕ\HUøVWDQEXO
212-285 19 59
212-285 19 60
Source: Banking Regulation and Supervision Agency
II-281
-
Glossary
1. Terms used in Financial Statements
TC: Turkish Currency
FC: Foreign Currency
Fin.ass.where fair value cha. is refl.to I/S (Net): Financial assets where fair value change is reflected to income statement
Fin.assets clas. as fair value change is refl.to I/S: Financial assets where fair value change is reflected to income statement
Hedges for invest. made in foreign countries: Hedges for investments made in foreign countries
Prop.&Equ.for Sale p. and from Term.Op.(Net) : Property and equipment held for sale purpose and held from terminated operations
Derivative Finan. Liabilities Held for Trading: Derivative Financial Liabilities Held for Trading
Derivative Finan. Liabilities Held for Hedging: Derivative Financial Liabilities Held for Hedging
Lia.for Prop.&Equ.for Sale p. and from Term.Op.(Net) : Liabilities for Property and equipment held for sale purpose and held from
terminated operations
Revaluation changes of property and equip..: Revaluation changes of property and equipment
Revaluation changes of real est.for inv. pur.: Revaluation changes of real estates for investment purpose
Free shares from inv.&ass.,subs.& joint vent.: Free shares from investment and associates, subsidiaries and joint ventures (business
partners)
Val.inc.in pro.& equ.held for sale p.and term.ope.: Value increase in property and equipment held for sale purpose and held from
terminated operations
Derivative finan. instruments held for hedging: Derivative financial instruments held for hedging
Acccepted independent guaran. and warran.: Acccepted independent guaranties and warranties
2. Formulas Used in the Calculation of Ratios
Shareholders’ Equity / ((Capital to be Employed to credit + market + operational risk)*12.5)*100 : "Capital Adequacy Ratio" that is
calculated in the "Financial Position" section of the Communique-Financial statements and related explanation and footnotes of the banks
that is disclosed to the publicFinancial assets (net) = Financial assets where fair value change is reflected to income statement (net) + Financial Assets Available for
Sale (net) + Investments held to Maturity (net) + Derivative Financial Assets Held for Hedging
Total Loans and Receivables = Loans and Receivables + Loans Under Follow-up - Specific Provisions
Loans Under Follow-up (net) = Loans Under Follow-up - Specific Provisions
Permanent Assets = Investments and Associates (net) + Subsidiaries (net) + Joint Ventures (net) + Property and Equipment (net) +
Intangible Assets (net) + Property and Equipment Held for Sale Purpose and from Terminated Operations (Net) + Loans Under Follow-up Specific Provisions
Net On Balance- Sheet Position: Used from the "Information on currency risk of the bank" table from "Financial Position" section of the
Communique-Financial statements and related explanation and footnotes of the banks that is disclosed to the publicNet Off Balance- Sheet Position: Used from the "Information on currency risk of the bank" table from "Financial Position" section of the
Communique-Financial statements and related explanation and footnotes of the banks that is disclosed to the publicTC: Turkish Currency
FC: Foreing Currency
Consumer Loans : Used the sum of the table "Consumer Loans, Individual Credit Cards, Personnel Loans and Personnel Credit Cards"
from "Information and Disclosures Related to Assets" section of the Communique-Financial statements and related explanation and footnotes
of the banks that is disclosed to the publicLiquid Assets = Cash and Balances with the Central Bank of Turkey + Financial assets where fair value change is reflected to income
statement (net) + Banks + Money Market Placements + Financial Assets Available for Sale (Net)
Short-term Liabilities: "Demand" and "Up to 1 Month" columns of the "Liquidity Risk" table from "Financial Position" section of the
Communique-Financial statements and related explanation and footnotes of the banks that is disclosed to the publicNet Interest Income after Provisions = Net Interest Income - Specific Provisions for Loans and Other Receivables
Non-interest Income (net) = Net Fees and Commissions Income/Expenses + Dividend Income + Trading Profit/Loss (net) + Other Operating
Income
Personnel Expenses: Used from the table from "Information and Disclosures related to Income Statement" section of the CommuniqueFinancial statements and related explanation and footnotes of the banks that is disclosed to the public3. Exchange Rates (TRY/ US Dollar)
Year
Period
2014
December
TRY/US Dollar
2.3269
Year
Period
2015
December
TRY/US Dollar
2.9181
4. This book is prepared from the year-end audited and non-consolidated "The Common Data Set" of banks (deposit banks and development
and investment banks that are operating in Turkey under the rules of Banking Law), that are sent to the Banks Association of Turkey and
prepared according to related Communique-Financial statements and related explanation and footnotes of the banks that is disclosed to the
Public5. Some of the tables in the "Appendix" section of the book are prepared using the data from the "Related Explanation and Footnotes". The
differences between some figures of "Financial Tables" and the figures from "Footnotes" are due to the differences in the tables of some banks.
6. The classification of "Statistical Regional Units", which is defined with the Decree No.2002/4720 of Council of Ministers and published in the
Official Gazette dated September 22, 2002 and No.24884 is used in this book.
7. %56%JDYHWKHSHUPLVVLRQWRWKHWUDQVIHURISHUFHQWVKDUHVRI7HNVWLO%DQNDVÕ$ùWR,QGXVWULDODQG&RPPHUFLDO%DQNRI&KLQD/LPLWHG
by the resolution dated 2 April 2015. The transfer of the shares was approved after the General Meeting held ont he May 22, 2015. Thus, the
bank transferred to the "Foreign Banks" group. The title of the bank was changed to ,&%&7XUNH\%DQN$ù as of 5 November 2015. The
change was published on the Turkish Trade Registry Gazette Nr:5980 and dated 19 November, 2015.
8. BBVA acquired another 14.89 percent of shares of 7UNL\H*DUDQWL%DQNDVÕ$ù and rises its shares to 39.90 percent with the Resolution
Nr.6370 of BRSB, dated 14 July 2015. Share transaction took place in 27 July 2015. After this transaction BBVA became the "dominant partner"
of the bank, thus the bank transferred from the privately owned deposit banks group to foreing banks group.
9.%56%JDYHWKHSHUPLVVLRQWRWUDQVIHURISHUFHQWVKDUHVRI)LQDQV%DQN$ùWR4DWDU1DWLRQDO%DQN6$4E\WKHUHVROXWLRQ1U
dated 7 April 2016.
II-282
II-283
II-284
II-284
II-284
II-284
II-284
THE BANKS ASSOCIATION OF TURKEY
Nispetiye Caddesi
Akmerkez B3 Blok Kat 13
Etiler 34340 ‹stanbul
Phone: +90 212 282 09 73
Fax: +90 212 282 09 46
E-mail: tbb@tbb.org.tr
www.tbb.org.tr

Banks In Turkey 2015

Transcription

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2012 Issue 14