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									Yapı ve Kredi Bankası A.Ş.

Assets
(USD Million)
                                                                   Dec. 2010              %                Dec. 2009              %
                                                          TC          FC       Total     Distr.   TC          FC       Total     Distr.
Cash and Balances with the Central Bank                    1,664       2,176     3,839      7.0    1,200       1,473     2,673      6.2
Fin.ass.where fair value cha. is refl.to I/S (Net)           506          68       574      1.0      447         114       561      1.3
   Financial assets held for trading                         506          68       574      1.0      447         114       561      1.3
      Public sector debt securities                          104          40       144      0.3       79          74       153      0.4
      Securities representing a share in capital               0           0         0      0.0        0           0         0      0.0
      Derivative financial assets held for trading           402          28       430      0.8      368          40       408      0.9
      Other marketable securities                              0           0         0      0.0        0           0         0      0.0
   Fin.assets clas. as fair value change is refl.to I/S        0           0         0      0.0        0           0         0      0.0
      Public sector debt securities                            0           0         0      0.0        0           0         0      0.0
      Securities representing a share in capital               0           0         0      0.0        0           0         0      0.0
      Loans                                                    0           0         0      0.0        0           0         0      0.0
      Other marketable securities                              0           0         0      0.0        0           0         0      0.0
Banks                                                         45         647       692      1.3      275         834     1,109      2.6
Money Market Securities                                      617           0       617      1.1    1,029           0     1,029      2.4
   Interbank money market placements                           0           0         0      0.0    1,009           0     1,009      2.3
   Istanbul Stock Exc. money market placements                 0           0         0      0.0       20           0        20      0.0
   Receiv. from reverse repurchase agreements                617           0       617      1.1        0           0         0      0.0
Financial Assets Available for Sale (Net)                  2,657         551     3,208      5.8      383         467       850      2.0
   Securities representing a share in capital                  2           0         2      0.0        4           1         5      0.0
   Public sector debt securities                           1,969         352     2,321      4.2      350         438       788      1.8
   Other marketable securities                               687         199       885      1.6       30          27        57      0.1
Loans                                                     22,486      11,733    34,219     62.1   16,624       8,830    25,454     58.6
   Loans                                                  22,230      11,712    33,942     61.6   16,358       8,826    25,183     58.0
      Loans granted to the Banks risk group                  470         185       655      1.2      314         101       415      1.0
      Public sector debt securities                            0           0         0      0.0        0           0         0      0.0
      Other                                               21,760      11,528    33,287     60.4   16,044       8,725    24,768     57.1
   Loans under follow-up                                   1,149          61     1,210      2.2    1,728           7     1,735      4.0
   Specific provisions (-)                                   892          41       933      1.7    1,461           3     1,465      3.4
Factoring Receivables                                          0           0         0      0.0        0           0         0      0.0
Investments held to Maturity (Net)                         3,411       4,738     8,149     14.8    3,928       4,151     8,078     18.6
   Public sector debt securities                           3,411       4,738     8,149     14.8    3,928       4,151     8,078     18.6
   Other marketable securities                                 0           0         0      0.0        0           0         0      0.0
Investments and Associates (Net)                               3          28        31      0.1        3          29        32      0.1
   Accounted with equity method                                0           0         0      0.0        0           0         0      0.0
   Non-consolidated investments and associates                 3          28        31      0.1        3          29        32      0.1
      Financial investments and associates                     3          28        31      0.1        3          29        32      0.1
      Non-financial investments and associates                 0           0         0      0.0        0           0         0      0.0
Subsidiaries (Net)                                           906         258     1,164      2.1      953         262     1,215      2.8
   Financial subsidiaries                                    904         258     1,163      2.1      951         262     1,213      2.8
   Non-financial subsidiaries                                  1           0         1      0.0        2           0         2      0.0
Joint Ventures (Business Partners) (Net)                      16           0        16      0.0        0           0         0      0.0
   Accounted with equity method                                0           0         0      0.0        0           0         0      0.0
   Non-consolidated joint ventures                            16           0        16      0.0        0           0         0      0.0
      Financial joint ventures                                16           0        16      0.0        0           0         0      0.0
      Non-financial joint ventures                             0           0         0      0.0        0           0         0      0.0
Recivables From Leasing Transactions                           0           0         0      0.0        0           0         0      0.0
   Finance lease receivables                                   0           0         0      0.0        0           0         0      0.0
   Operational leasing receivables                             0           0         0      0.0        0           0         0      0.0
   Others                                                      0           0         0      0.0        0           0         0      0.0
   Unearned income (-)                                         0           0         0      0.0        0           0         0      0.0
Derivative Financial Assets Held for Hedging                  22           2        25      0.0       86           1        86      0.2
   Fair value hedges                                          22           0        22      0.0       86           1        86      0.2
   Cash flow hedges                                            0           2         2      0.0        0           0         0      0.0
   Hedges for invest. made in foreign countries                0           0         0      0.0        0           0         0      0.0
Property and Equipment (Net)                                 719           0       719      1.3      730           0       730      1.7
Intangible Assets (Net)                                      800           0       800      1.5      797           0       797      1.8
   Goodwill                                                  637           0       637      1.2      659           0       659      1.5
   Other                                                     163           0       163      0.3      139           0       139      0.3
Real Estates for Investment Purpose (Net)                      0           0         0      0.0        0           0         0      0.0
Assets for Tax                                               140           0       140      0.3      142           0       142      0.3
   Current assets for tax                                      0           0         0      0.0        0           0         0      0.0
   Deferred assets for tax                                   140           0       140      0.3      142           0       142      0.3
Prop.&Equ.for Sale p. and from Term.Op.(Net)                  52           0        52      0.1       58           0        58      0.1
Other Assets                                                 356         534       890      1.6      288         304       592      1.4

Total Assets                                              34,400      20,735    55,135    100.0   26,945      16,463    43,408    100.0
Yapı ve Kredi Bankası A.Ş.                                                                                          December 2010


Liabilities
(USD Million)
                                                                     Dec. 2010              %                Dec. 2009              %
                                                            TC          FC       Total     Distr.   TC          FC       Total     Distr.
Deposits                                                    21,036      13,254    34,290     62.2   15,463      11,991    27,455     63.2
   Deposits held by the Banks risk group                     2,664       1,791     4,455      8.1    1,251       1,679     2,930      6.8
   Other                                                    18,372      11,463    29,835     54.1   14,213      10,312    24,525     56.5
Derivative Finan. Liabilities Held for Trading                 189          28       217      0.4      149          30       180      0.4
Funds Borrowed                                                 629       4,816     5,445      9.9      509       3,060     3,569      8.2
Money Market Takings                                            29       1,896     1,925      3.5       44         579       623      1.4
   Interbank money market takings                                0           0         0      0.0        0           0         0      0.0
   Istanbul Stock Exc. money market takings                      0           0         0      0.0        0           0         0      0.0
   Funds provided under repurchase agreements                   29       1,896     1,925      3.5       44         579       623      1.4
Marketable Securities Issued (Net)                               0           0         0      0.0        0           0         0      0.0
   Bills                                                         0           0         0      0.0        0           0         0      0.0
   Asset backed securities                                       0           0         0      0.0        0           0         0      0.0
   Bonds                                                         0           0         0      0.0        0           0         0      0.0
Funds                                                            0           0         0      0.0        0           0         0      0.0
   Borrower funds                                                0           0         0      0.0        0           0         0      0.0
   Others                                                        0           0         0      0.0        0           0         0      0.0
Miscellaneous Payables                                       2,121         440     2,562      4.6    1,773         238     2,012      4.6
Other External Resources                                       455         204       659      1.2      337         252       589      1.4
Factoring Payables                                               0           0         0      0.0        0           0         0      0.0
Leasing Transactions Payables (Net)                              0          10        10      0.0        0           4         4      0.0
   Finance leasing payables                                      0          11        11      0.0        0           4         4      0.0
   Operations leasing payables                                   0           0         0      0.0        0           0         0      0.0
   Others                                                        0           0         0      0.0        0           0         0      0.0
   Deferred finance leasing expenses (-)                         0           0         0      0.0        0           0         0      0.0
Derivative Finan. Liabilities Held for Hedging                 229          66       295      0.5      240           0       240      0.6
   Fair value hedges                                           204           0       204      0.4      240           0       240      0.6
   Cash flow hedges                                             25          66        91      0.2        0           0         0      0.0
   Hedges for invest. made in foreign countries                  0           0         0      0.0        0           0         0      0.0
Provisions                                                   1,238         244     1,483      2.7    1,306         263     1,569      3.6
   General provisions                                          339         194       533      1.0      372         228       600      1.4
   Restructuring reserves                                        0           0         0      0.0        0           0         0      0.0
   Reserves for employee benefit                               105           0       105      0.2      101           0       101      0.2
   Insurance technical reserves (Net)                            0           0         0      0.0        0           0         0      0.0
   Other provisions                                            794          50       844      1.5      833          35       869      2.0
Liabilities for Tax                                            166           0       166      0.3      113           0       113      0.3
   Current liabilities for tax                                 166           0       166      0.3      113           0       113      0.3
   Deferred liabilities for tax                                  0           0         0      0.0        0           0         0      0.0
Lia.for Pro.&Equ.for Sale p. and from Term.Op.(Net)              0           0         0      0.0        0           0         0      0.0
Subordinated Loans                                               0       1,372     1,372      2.5        0       1,495     1,495      3.4
Shareholders' Equity                                         6,716          -5     6,710     12.2    5,500          59     5,559     12.8
   Paid-in capital                                           2,827           0     2,827      5.1    2,923           0     2,923      6.7
   Supplementary capital                                       466          -5       460      0.8      412          59       470      1.1
       Share premium                                           354           0       354      0.6      366           0       366      0.8
       Share cancellation profits                                0           0         0      0.0        0           0         0      0.0
       Valuation changes in marketable securities               66          55       120      0.2        4          59        63      0.1
       Revaluation changes of property and equip.                0           0         0      0.0        0           0         0      0.0
       Revaluation changes of intangible assets                  0           0         0      0.0        0           0         0      0.0
       Revaluation changes of real est.for inv. pur.             0           0         0      0.0        0           0         0      0.0
       Free shares from inv.&ass.,subs.& joint vent.             0           0         0      0.0        0           0         0      0.0
       Hedging funds (active part)                              -6         -60       -66     -0.1        0           0         0      0.0
       Val.inc.in pro.& equ.held for sale p.and term.ope.        0           0         0      0.0        0           0         0      0.0
       Other capital reserves                                   53           0        53      0.1       42           0        42      0.1
   Profit reserves                                           2,083           0     2,083      3.8    1,255           0     1,255      2.9
       Legal reserves                                          107           0       107      0.2       65           0        65      0.1
       Status reserves                                           0           0         0      0.0        0           0         0      0.0
       Extraordinary reserves                                1,976           0     1,976      3.6    1,190           0     1,190      2.7
       Other profit reserves                                     0           0         0      0.0        0           0         0      0.0
   Profit or loss                                            1,340           0     1,340      2.4      911           0       911      2.1
       Prior years income/loss                                   0           0         0      0.0        0           0         0      0.0
       Current year income/loss                              1,340           0     1,340      2.4      911           0       911      2.1




Total Liabilities                                           32,809      22,327    55,135    100.0   25,435      17,973    43,408    100.0
Yapı ve Kredi Bankası A.Ş.

Off Balance Sheet Commitments
(USD Million)
                                                                                  Dec. 2010                             Dec. 2009
                                                                        TC           FC         Total         TC           FC        Total

Guarantees and Warranties                                                 5,072        7,587       12,658       4,185        6,671     10,856
  Letters of guarantee                                                    5,060        4,573        9,633       4,182        4,561      8,743
  Bank acceptances                                                            0          108          108           0          102        102
  Letters of credit                                                           8        2,533        2,541           1        1,741      1,742
  Prefinancing given as guarantee                                             0            1            1           0            1          1
  Endorsements                                                                0            0            0           0            0          0
  Other guarantees and warrantees                                             4          372          375           2          265        267
Commitments                                                              12,881        1,789       14,670      11,035        2,014     13,049
  Irrevocable commitments                                                12,598        1,789       14,387      11,035        2,014     13,049
  Revocable commitments                                                     283            0          283           0            0          0
Derivative Financial Instruments                                         12,462       25,756       38,218       7,314       18,013     25,327
  Derivative finan. instruments held for hedging                          2,242        6,112        8,353       1,316        1,353      2,669
  Trading transactions                                                   10,221       19,644       29,865       5,999       16,660     22,659
Custody and Pledged Securities                                           65,014       13,189       78,204      47,476       11,742     59,218
  Items held in Custody                                                  38,236        2,398       40,634      29,020        2,294     31,314
  Pledged Items                                                          26,212       10,406       36,618      17,888        9,041     26,928
  Acccepted independent guaran. and warran.                                 566          386          952         568          408        976

Total Off Balance Sheet Commitments                                      95,429       48,321      143,750      70,010       38,440    108,450


Income-Expenditure
(USD Million)
                                                                                  Dec. 2010    Dec. 2009

Interest Income                                                                        3,786        4,515
   Interest on loans                                                                   2,957        3,482
   Interest received from reserve deposits                                                38           77
   Interest received from banks                                                           18           18
   Interest received from money market transactions                                       29           58
   Interest received from marketable securities portfolio                                744          880
   Other interest income                                                                   1            1
Interest Expenses                                                                      1,705        2,176
   Interest on deposits                                                                1,481        1,880
   Interest on money market transactions                                                 189          257
   Interest on funds borrowed                                                             28           38
   Interest on securities issued                                                           0            0
   Other interest expenses                                                                 7            1
Net Interest Income/Expenses                                                           2,081        2,339
Net Fees and Commissions Income/Expenses                                               1,038          966
   Fees and commissions received                                                       1,204        1,138
   Fees and commissions paid                                                             166          172
Dividend Income                                                                          101           96
Trading Profit/Loss (net)                                                                -43          229
   Profit/loss on trading account securities                                              47           92
   Profit/losses on derivative financial transactions                                   -349          202
   Foreign exchange profit/loss                                                          258          -65
Other Operating Income                                                                   785          131
Total Operating Income/Expenses                                                        3,962        3,760
Provision for Loan Losses or other Receivables (-)                                       704        1,052
   Specific provisions of banks loans and other receivables*                             630          852
   General provision expenses*                                                            47          160
Other Operating Expenses (-)                                                           1,618        1,555
   Personnel Expenses*                                                                   644          593
Net Operating Profit/Loss                                                              1,639        1,152
Surplus written as gain after merger                                                       0            0
Profit/losses from equity method applied subsidiaries                                      0            0
Net monetory position gain/loss                                                            0            0
Profit/Loss Before Taxes from Continuing Operations                                    1,639        1,152
Provisions for Taxes on Income from Continuing Operations (±)                           -299         -241
Net Profit/Loss from Continuing Operations                                             1,340          911
Net Profit/Loss Before Taxes from Terminated Operations                                    0            0
Provisions for Taxes on Income from Terminated Operations (±)                              0            0
Net Profit/Loss from Terminated Operations                                                 0            0

Net Profit/Losses                                                                      1,340            911

* Used from information and disclosures related to income statement".
Yapı ve Kredi Bankası A.Ş.                                                                                                                    December 2010


Ratios
(%)
                                                                                                                     Dec. 2010          Dec. 2009

Capital Ratios

Shareholders’ Equity / (Amount subject to credit + market + operational risk)                                                    16.1           17.8
Shareholders' Equity / Total Assets                                                                                              12.2           12.8
(Shareholders' Equity - Permanent Assets) / Total Assets                                                                          6.6               5.7
Net On Balance Sheet Position / Total Shareholders' Equity                                                                        0.3               -2.6
Net On and Off Balance Sheet Position / Total Shareholders' Equity                                                               -3.0               2.7


Balance-Sheet Ratios

TC Assets / Total Assets                                                                                                         62.4           62.1
TC Liabilities / Total Liabilities                                                                                               59.5           58.6
FC Assets / FC Liabilities                                                                                                       92.9           91.6
TC Deposits / Total Deposits                                                                                                     61.3           56.3
TC Loans / Total Loans and Receivables                                                                                           65.7           65.3
Total Deposits / Total Assets                                                                                                    62.2           63.2
Funds Borrowed / Total Assets                                                                                                     9.9               8.2


Assets Quality

Financial Assets (net) / Total Assets                                                                                            21.7           22.1
Total Loans and Receivables / Total Assets                                                                                       62.1           58.6
Total Loans and Receivables / Total Deposits                                                                                     99.8           92.7
Loans Under Follow-up (gross) / Total Loans and Receivables                                                                       3.5               6.8
Loans Under Follow-up (net) / Total Loans and Receivables                                                                         0.8               1.1
Specific Provisions / Loans Under Follow-up                                                                                      77.1           84.4
Permanent Assets / Total Assets                                                                                                   5.5               7.1
Consumer Loans / Total Loans and Receivables                                                                                     33.9           37.5


Liquidity

Liquid Assets / Total Assets                                                                                                     16.2           14.3
Liquid Assets / Short-term Liabilities                                                                                           26.3           23.4
TC Liquid Assets / Total Assets                                                                                                  10.0               7.7


Profitability

Net Profit/Losses / Total Assets                                                                                                  2.4               2.1
Net Profit/Losses / Total Shareholders' Equity                                                                                   20.0           16.4
Profit/Losses Before Taxes after Continuing Operations / Total Assets                                                             3.0               2.7


Income-Expenditure Structure

Net Interest Income After Specific Provisions / Total Assets                                                                      2.6               3.4
Net Interest Income After Specific Provisions / Total Operating Income (Expenses)                                                36.6           39.5
Non-interest Income (net) / Total Assets                                                                                          3.4               3.3
Other Operating Expenses / Total Assets                                                                                           2.9               3.6
Personnel Expenses / Other Operating Expenses                                                                                    39.8           38.1
Non-interest Income (net) / Other Operating Expenses                                                                         116.2              91.4


Quarterly profitability and income-expenditure ratios, except year-end figures, should be considered periodically.

								
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