Post on 26-Aug-2020
TEB
31 March 2014
Summary Balance Sheet
2
Source: TEB BRSA Consolidated Financials
Summary Income Statement
3
Source: TEB BRSA Consolidated Financials
Strong balance sheet growth with continuing
commitment to core banking activities
4
Source: TEB BRSA Consolidated Financials
Retail & SME loans make up almost 80% of total loans
5
Source: TEB BRSA Bank only Financials
NPL ratio maintained below sector averages
6
Source: TEB BRSA Bank only Financials
Loan portfolio(*) highly distributed among industries
7
(*) incl. non-cash balance
Share of marketable securities maintained around 8% of
total assets
8
Source: TEB BRSA Bank only Financials
Shift to alternative funding slightly increasing the L/D
ratio, in line with the sector
9
Source: TEB BRSA Bank only Financials
Normalization in COR in comparison to last year
10
(1) COR includes specific and general as well as other
provision expenses
Cumulative ratio = annualized Provision Exp. (incl.GLLP) /
Average quarter-end Loans.
Quarterly ratio = annualized Provision Exp. (incl. GLLP) /
Average of last 2 quarter-end Loans
Source: TEB BRSA Bank only Financials
Quarterly improvement in margins reflected on the C/I
11
Source: TEB BRSA Bank only Financials
(1) Annualized NII /
/ Avr of past YtD quarter-end Loan and MS for
cumulative line
/ Avr of last 2 quarter-end Loan and MS for
quarterly line
TEB’s Network
12
As of 31/03/2014
Number of Clients: 5,5 million
Number of Branches: 547
Total Staff: 10,085
ATM: 1,598
POS:114,643
TEB is present in 72 cities out of 81
12
Cities with branches
Cities without branches
Cities where new branches opened during 2013 & 2014
12
4
Van
Konya
Nevşehir
Kırşehir
Sinop Bartın
Çankırı
Bilecik
Tokat
Bitlis
Hakkari Şırnak
Siirt
Karaman
Balıkesir
Afyon
Uş ak
Aydın
İzmir
Edirne
Kırklareli
İstanbul Tekirdağ
Çanakkale
Kocaeli
Yalova
Zonguldak
Kastamonu
Samsun
Ankara Kırıkkale
Aksaray
Isparta
Burdur
Antalya
Mersin
Niğde
Yozgat
Amasya Ordu
Adana
Hatay
G.Antep
K.Maraş
Malatya
Adıyaman
G.Hane
Muğla
Düzce
Osmaniye
Kilis
Sakarya
Bayburt
Denizli Aydın
Uşak
Manisa
Bingöl Tunceli
Van
Muş
Ş.Urfa
Elazığ
Diyarbakır
Mardin
Batman
Erzincan
Giresun Trabzon
Rize
Eskişehir
Bursa
Kütahya
Bolu
Sivas
Çorum
Kayseri
Karabük Ardahan
Ağrı
Iğdır
Artvin
Kars
Erzurum
186
19
1
2
1
2
43
1
6
2
1
2
24 3
2
6
4
1 3
2
1
2 5
1
1
41
3
1 1
1
1
2
13
3
2 13
1
3 1
6
4
5
2
2
2
3
1
1
1
1
6
1
1
1
1
12
2
1
1
1
25
10
2
2
7
2
2 6
1
4
10
8
13
APPENDIX
14
Summary Balance Sheet
Source: TEB BRSA Bank only Financials
15
Summary Income Statement
Source: TEB BRSA Bank only Financials
Ratings of TEB
16
17
A Major Player of the Turkish Financial Services Market
17
TEB
Full range of banking
services
TEB N.V.
“Turkish specialist” in the EU
market, total asset size is EUR
582 mio as of 1Q 2014
TEB Factoring
9% market share as of 4Q 2013
TEB Investment
5th largest brokerage &
investment house of Turkey
with 4.0% market share as of
1Q 2014
TEB Asset
Management
9th largest asset management
company with 4.0% market
share as of 1Q 2014
TEB Arval
Operative since October 2007,
5,3% market share as of 1Q
2014
BNPP Leasing
6th largest leasing company in
Turkey with 7.2% market share
as of 4Q 2013
TEB Cetelem
Consumer finance company in
Turkey with 5.7%market share
as of 1Q 2014
BNPP Cardif
Insurance A major global player for
personal insurance
Turkish operations fully owned
by BNP ParibasCardif (S&P AA
rated),100% subsidiary of BNP
Paribas
%3 market share in Turkey in
protection insurance & pension
TEB Kosovo Operative since January 2008,
with 25 branches, as of 1Q
2014
Loans: €290M
Deposits: € 311M
Disclaimer
18
The information and opinions obtained in this document have been compiled or
arrived at by TEB from sources believed to be reliable, but no representation or
warranty is made as to their accuracy, completeness or correctness. All opinions
and estimates contained in this document constitute TEB’s judgement as of the
date of this document and are subject to change without notice. This document is
published for the assistance of the recipients, but is not to be relied upon as
authoritative or taken in subtitution for the exercise of judgement by any recipient.
TEB does not accept any liability for any direct or consequential loss arising from
any use of this document or its contents. This document is strictly confidential and
may not be reproduced, distributed or published for any purpose.