Ziraat Bank 2015 Annual Report

31 December 2011-31 December 2015 Summary Balance Sheet and Income Statement

(TL million)

ASSETS	2011	2012	2013	2014	2015
Liquid Assets	15,593	22,647	29,067	32,340	40,983
Securities Portfolio	70,766	65,469	62,798	64,563	64,871
Loans	71,430	71,426	111,048	141,915	186,813
Associates and Subsidiaries	810	1,034	1,298	1,631	2,655
Fixed Assets	930	931	1,050	4,684	4,842
Other Assets	1,152	1,360	2,269	2,468	2,684
TOTAL	160,681	162,868	207,530	247,600	302,848

LIABILITIES
Deposits	113,067	118,966	141,735	153,255	186,469
Money Markets	25,788	11,162	24,571	31,781	43,086
Loans Borrowed	553	3,072	8,559	14,608	19,543
Marketable Securities Issued	0	1,944	2,637	4,219	5,288
Funds	3,871	4,292	4,036	5,426	5,931
Provisions	1,892	3,002	3,958	4,758	5,161
Other Liabilities	2,332	3,261	3,666	5,013	5,825
Shareholders’ Equity	13,177	17,167	18,367	28,540	31,546
TOTAL	160,681	162,868	207,530	247,600	302,848

STATEMENT OF INCOME
Interest Income	13,706	14,811	14,370	18,165	22,050
Interest Expense	8,465	7,910	6,631	9,558	11,542
Net Interest Income	5,242	6,901	7,739	8,607	10,509
Fees and Commissions Income (net)	626	752	959	1,077	1,300
Dividend Income	32	98	321	192	213
Trading Profit/Loss (Net)	-61	-52	-198	-70	-166
Other Operating Income	372	429	1,048	911	1,340
Total Operating Income	6,210	8,128	9,868	10,717	13,196
Provisions for Loans and Other Receivables	808	1,795	1,828	1,443	1,421
Other Operating Expenses	2,622	2,828	3,661	4,095	5,208
Pretax Profit	2,780	3,505	4,379	5,179	6,568
Tax Provision	679	854	1,048	1,128	1,405
Net Profit/Loss for the Period	2,101	2,650	3,330	4,051	5,162