Ziraat Bank 2015 Annual Report

Ratios

%	2014	2015
CAPITAL
Capital Adequacy Ratio	18.2	15.1
Shareholders’ Equity/Total Assets	11.5	10.4
Shareholders’ Equity/(Total Assets+Non-cash Loans)	9.9	8.7
Shareholders’ Equity/(Deposits+Non-Deposit Resources)	14.0	12.4
ASSET QUALITY
Total Loans/Total Assets	57.3	61.7
NPL (Gross)/Cash Loans	1.9	1.7
NPL (Gross)/(Non-cash Loans+Cash Loans)	1.5	1.3
Loans/Deposits	92.6	100.2
FC Assets/FC Liabilities	95.2	97.6
LIQUIDITY
Liquid Assets/Total Assets	13.1	13.5
Liquid Assets/(Deposits+Non-Deposit Resources)	15.9	16.1
PROFITABILITY
Net Profit (Loss)/Average Total Assets	1.8	1.8
Net Profit (Loss)/Average Shareholders’ Equity	16.4	17.3
INCOME-EXPENSE STRUCTURE
Interest Incomes/Interest Expenses	190.0	191.1
Non-Interest Incomes/Non-Interest Expenses	41.1	43.4
Total Incomes/Total Expenses	133.7	135.5
Interest Incomes/Total Incomes	88.4	87.9
Non-Interest Incomes/Total Incomes	11.6	12.1
Interest Expenses/Total Expenses	62.2	62.4
Non-Interest Expenses/Total Expenses	37.8	37.6