turkish banking sector - banque de france€¦ · deposit development & investment...
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TURKISH BANKING SECTOR
World Bank Group-Banque De FranceImpact of Financial Reforms in Euro-Mediterranean Area
May 03-04, 2018
Organizations Abroad
26.04.2018 2Banking Regulation and Supervision Agency
Turkish banks operate within a wide range of countries(25),
Number of cross border financial institutions is 145; banks(33), non-bank financial
institution(25), branches(77) and representative Office(10)
Number of Banks
26.04.2018 3Banking Regulation and Supervision Agency
5 42
8
5
20
4 3
0
5
10
15
20
25
Deposit Development & Investment Participation
Number of Banks in Turkey
State Domestic Private Foreign
As of December 2017, 51 banks are operating in Turkish Banking Sector.
Main Balance Sheet Items / GDP
26.04.2018 Banking Regulation and Supervision Agency 4
87,3
95,7 97,5100,8
104,7 106,4 106,2103,2
50,6
57,960,7
63,566,5 67,9 68,6 67,4
17,2
15,8 14,8 14,1 13,5 13,6 13,2 12,7
49,252,3 51,5 53,3
55,7 56,3 56,4 55,3
12,6
16,3 16,6 16,6 17,0 17,1 16,1 15,6
0,0
20,0
40,0
60,0
80,0
100,0
120,0
Dec.12 Dec.13 Dec.14 Dec.15 Dec.16 Mar.17 June.17 Sep.17
(%)
Total Assets / GDP Loans / GDP Securities / GDP Deposits / GDP Funds From Abroad / GDP
Banking Sector Asset – Liability Compositions
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8,8 8,2
12,9 12,3
63,5 64,4
6,7 7,02,5 2,6
5,6 5,5
2016-12 2017-12
Asset Composition (%)
Other
Subsidiaries and Fixed Assets
Required Reserves
Loans
Securities
Liquid Assets53,2 52,5
0,9 3,5
15,3 14,6
5,0 3,04,3 4,5
10,3 10,9
11,0 11,0
2016-12 2017-12
Liability Composition (%)
Shareholders' Equity
Other
Securities Issued (Net)
Repo Fundings
Payables to Banks
Payables to Money Market
Deposits
Composition of Loans
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32,8 32,8 33,5 31,7 28,7 25,9 24,2 23,3
23,9 23,8 25,1 25,926,9
26,224,2 24,5
43,3 43,4 41,4 42,4 44,4 47,9 51,5 52,3
0,0
10,0
20,0
30,0
40,0
50,0
60,0
70,0
80,0
90,0
100,0
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
Retail SME Corporate
Loans by Industries
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4,1
17,9
8,6
15,1
3,05,0 5,4
9,2 9,5
5,57,2
Loans
TL-FC Breakdown
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67,7 65,3 65,8 63,4 60,5 63,6
5,3 5,7 5,24,9
4,83,8
27,0 29,0 29,0 31,8 34,8 32,6
0,0
10,0
20,0
30,0
40,0
50,0
60,0
70,0
80,0
90,0
100,0
2010-12 2011-12 2014-12 2015-12 2016-12 2017-12
TL - FX - INDEXED LOANS (%)
TL INDEXED FX
NPL Ratios
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3,7
2,7
2,9
2,8
2,9
3,1
3,23,2
3,1 3,03,0
4,1
2,92,9
2,9
3,4
4,34,3
4,2
3,8
3,63,5
4,5
3,1 3,2 3,1
3,3
3,9
4,9
4,9
4,74,7
4,7
2,8
2,3
2,6
2,42,3
2,01,9 2,0 2,0
1,9 1,9
1,5
2,0
2,5
3,0
3,5
4,0
4,5
5,0
Total Loans Retail Loans SME Loans Corporate Loans
Loan Loss Provisions
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79,4
75,276,3
73,974,6
77,4 77,9 78,0
79,5 79,4
70,0
72,0
74,0
76,0
78,0
80,0
82,0
84,0
86,0
88,0
90,0
0
10.000
20.000
30.000
40.000
50.000
60.000
70.000
2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%Mio
TL
Non Performing Loans (Gross) Loan Loss Provisions Loan Loss Provision Rate - right axis
Funds From Abroad
The share of funds from abroad in total liabilities is 15,4% as of December 2017.
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DEPOSITS11,7%
LOANS46,6%
SYNDICATION15,4%
SECURITIZATION10,1%
REPO10,3%
SUBORDINATED DEBTS6,0%
OTHER0,0%
2017-12
(mill ion USD) Amount (%)
Deposits 16.747 15.491 -1.256 -7,5
Loans 56.614 61.850 5.236 9,2
Syndication Loans 18.724 20.436 1.712 9,1
Securitization Loans 13.312 13.390 78 0,6
Repo 12.664 13.701 1.037 8,2
Subordinated Loans 8.402 7.914 -488 -5,8
Other 116 49 -68 -58,2
TOTAL 126.580 132.831 6.251 4,9
Bond Issuance 25.616 29.769 4.153 16,2
TOTAL (inc. bond issuance) 152.195 162.600 10.404 6,8
Change
Dec.16 - Dec.17Dec.16 Dec.17
Funds From Abroad
External funding across countries diversified.
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USA15,5%
G. Britain9,8%
Euro Zone31,4%
Japan6,3%
Libya2,0%
Switzerland3,3%
Gulf Countries10,4%
Iranian1,3%
Russia3,0%
China3,9%
Cayman Islands3,6%
Other9,4%
December 2017
USA14,7%
G. Britain13,8%
Euro Zone34,0%
Japan5,0%
Libya1,8%
Switzerland4,9%
Gulf Countries
9,5%
Iranian0,8%
Russia1,8%
China1,0%
Cayman Islands3,2%
Other9,5%
December 2015
Loan to Deposit Ratio
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106,1114,1
121,6123,4 123,6 124,1 124,8 126,0 126,6
102,1
109,2116,1 117,4 116,6 117,4 118,7 118,4 118,9
0,0
20,0
40,0
60,0
80,0
100,0
120,0
140,0
2012-12 2013-12 2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%
TOTAL TOTAL (excluding development and investment banks)
151,3
78,0
118,9
60,0
70,0
80,0
90,0
100,0
110,0
120,0
130,0
140,0
150,0
160,0
2 0 1 6 - 0 3 2 0 1 6 - 0 6 2 0 1 6 - 0 9 2 0 1 6 - 1 2 2 0 1 7 - 0 3 2 0 1 7 - 0 6 2 0 1 7 - 0 9 2 0 1 7 - 1 2
LTD (%) - EXCLUDING DEVELOPMENT AND INVESTMENT BANKS
TL FX TOTAL
Leverage Ratio
26.04.2018 Banking Regulation and Supervision Agency 14
8,37,9 7,7 7,8 7,8 7,8 7,7
0,0
1,0
2,0
3,0
4,0
5,0
6,0
7,0
8,0
9,0
2014-12 2015-12 2016-12 2017-03 2017-06 2017-09 2017-12
%
Leverage Ratio Regulatory Ratio
Liquidity Coverage Ratio
26.04.2018 Banking Regulation and Supervision Agency 15
123,5
194,2
0
20
40
60
80
100
120
140
160
180
200
220
%
Total LCR FX LCR Min Total LCR Min FX LCR
Capital Adequacy Ratio
26.04.2018 Banking Regulation and Supervision Agency 16
19,0
16,617,9
15,316,3 15,6 15,6 16,0 16,9 17,2 16,9
0,02,04,06,08,0
10,012,014,016,018,020,0
%
CAR TARGET CAR REGULATORY CAR
Tier 1 and Core Tier 1 CAR
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13,913,2 13,1 13,5 14,1 14,4 14,1
14,013,3 13,2 13,6 14,2 14,4 14,1
0,0
4,0
8,0
12,0
16,0
20,0
2014-12 2015-12 2016-12 2017-3 2017-6 2017-9 2017-12
%
TIER 1 CAR CORE TIER 1 CAR MIN TIER 1 MIN CORE TIER 1
Performance Indicators
26.04.2018 Banking Regulation and Supervision Agency 18
1,8
1,6
1,31,2
1,51,6
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
ROA
15,7
14,2
12,311,3
14,3
16,0
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
ROE
4,1
3,7
3,5 3,5
3,6
3,8
2012-12 2013-12 2014-12 2015-12 2016-12 2017-12
%
NIM
19
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