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Anadolubank

Anadolubank's customer loans rose 25.2% to TRY 11,009 mil in 2017

By Helgi Library - December 12, 2019

Anadolubank's customer loans reached TRY 11,009 mil in 2017, up 25.2% compared to the previous year. Turkish banking sector pro...

Anadolubank's customer loans rose 25.2% to TRY 11,009 mil in 2017

By Helgi Library - December 12, 2019

Anadolubank's customer loans reached TRY 11,009 mil in 2017, up 25.2% compared to the previous year. Turkish banking sector pro...

Anadolubank's customer deposits rose 28.7% to TRY 11,841 mil in 2017

By Helgi Library - December 12, 2019

Anadolubank's customer deposits reached TRY 11,841 mil in 2017, up 28.7% compared to the previous year. Turkish banking sector ...

Profit Statement 2015 2016 2017
Net Interest Income TRY mil 377 432 496
Net Fee Income TRY mil 64.3 76.6 122
Other Income TRY mil 46.1 84.5 45.9
Total Revenues TRY mil 488 593 664
Staff Cost TRY mil 151 173 209
Operating Profit TRY mil 242 320 337
Provisions TRY mil 84.2 113 143
Net Profit TRY mil 129 160 151
Balance Sheet 2015 2016 2017
Interbank Loans TRY mil 68.3 197 593
Customer Loans TRY mil 6,815 8,795 11,009
Total Assets TRY mil 10,967 12,454 15,154
Shareholders' Equity TRY mil 1,360 1,520 1,780
Interbank Borrowing TRY mil 643 669 297
Customer Deposits TRY mil 7,323 9,200 11,841
Issued Debt Securities TRY mil 2,926 1,701 1,402
Ratios 2015 2016 2017
ROE % 9.99 11.1 9.17
ROA % 1.26 1.37 1.10
Costs (As % Of Assets) % 2.41 2.34 2.37
Costs (As % Of Income) % 50.4 46.1 49.3
Capital Adequacy Ratio % 14.5 13.8 14.2
Net Interest Margin % 3.69 3.69 3.59
Loans (As % Of Deposits) % 93.1 95.6 93.0
NPLs (As % Of Loans) % 3.61 3.00 2.88
Provisions (As % Of NPLs) % 75.0 60.6 42.9
Growth Rates 2015 2016 2017
Total Revenue Growth % -13.2 21.6 11.9
Operating Cost Growth % -7.37 11.3 19.5
Operating Profit Growth % -18.4 32.1 5.35
Net Profit Growth % -5.65 24.0 -5.60
Customer Loan Growth % 9.05 29.1 25.2
Total Asset Growth % 15.7 13.6 21.7
Customer Deposit Growth % 12.5 25.6 28.7
Shareholders' Equity Growth % 10.7 11.8 17.1
Employees 1,711 1,784 1,750

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                          
Net Interest Income TRY mil ... ... ... ... ...                   255 415 313 358 377    
Total Revenues TRY mil ... ... ... ... ...                   299 509 404 562 488    
Operating Profit TRY mil ... ... ... ... ...                   133 290 174 297 242    
Net Profit TRY mil ... ... ... ... ...                   75.8 168 82.5 137 129    
balance sheet                                          
Interbank Loans TRY mil ... ... ... ... ...                   247 161 143 284 68.3    
Customer Loans TRY mil                             3,733 4,176 5,041 6,249 6,815    
Debt Securities TRY mil ... ... ... ... ...                   973 948 1,045 1,269 1,969    
Total Assets TRY mil                             5,781 6,291 7,483 9,477 10,967    
Shareholders' Equity TRY mil                             840 1,160 1,053 1,228 1,360    
Interbank Borrowing TRY mil ... ... ... ... ...                   391 228 426 501 643    
Customer Deposits TRY mil                             3,667 3,921 4,945 6,512 7,323    
Issued Debt Securities TRY mil ... ... ... ... ...                   1,434 1,287 1,776 2,124 2,926    
ratios                                          
ROE % ... ... ... ... ...                   9.50 16.8 7.46 12.0 9.99    
ROA % ... ... ... ... ...                   1.48 2.79 1.20 1.62 1.26    
Costs (As % Of Assets) % ... ... ... ... ...                   3.24 3.63 3.34 3.13 2.41    
Costs (As % Of Income) % ... ... ... ... ...                   55.6 43.0 57.0 47.2 50.4    
Capital Adequacy Ratio % ... ... ... ... ...                   17.0 19.6 15.2 15.1 14.5    
Net Interest Margin % ... ... ... ... ...                   4.97 6.87 4.54 4.22 3.69    
Interest Income (As % Of Revenues) % ... ... ... ... ...                   85.5 81.4 77.5 63.7 77.4    
Fee Income (As % Of Revenues) % ... ... ... ... ...                   20.3 9.86 11.3 11.3 13.2    
Staff Cost (As % Of Total Cost) % ... ... ... ... ...                   66.8 67.5 67.3 64.1 61.2    
Equity (As % Of Assets) %                             14.5 18.4 14.1 13.0 12.4    
Loans (As % Of Deposits) %                             102 106 102 96.0 93.1    
Loans (As % Assets) %                             64.6 66.4 67.4 65.9 62.1    
NPLs (As % Of Loans) % ... ... ... ... ...                   2.62 3.19 2.55 3.08 3.61    
Provisions (As % Of NPLs) % ... ... ... ... ...                   82.0 100 100 69.1 75.0    
valuation                                          
Book Value Per Share Growth % ... ... ... ... ... ...                 1.22 62.3 -24.6 14.5 5.47    
income statement Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                          
Interest Income TRY mil ... ... ... ... ...                   483 768 555 780 862    
Interest Cost TRY mil ... ... ... ... ...                   228 354 242 422 485    
Net Interest Income TRY mil ... ... ... ... ...                   255 415 313 358 377    
Net Fee Income TRY mil ... ... ... ... ...                   60.7 50.2 45.6 63.7 64.3    
Other Income TRY mil ... ... ... ... ...                   -17.3 44.3 45.3 140 46.1    
Total Revenues TRY mil ... ... ... ... ...                   299 509 404 562 488    
Staff Cost TRY mil ... ... ... ... ...                   111 148 155 170 151    
Operating Cost TRY mil ... ... ... ... ...                   166 219 230 266 246    
Operating Profit TRY mil ... ... ... ... ...                   133 290 174 297 242    
Provisions TRY mil ... ... ... ... ...                   34.2 76.7 69.5 126 84.2    
Extra and Other Cost TRY mil ... ... ... ... ...                   0 0 0 0 0    
Pre-Tax Profit TRY mil ... ... ... ... ...                   98.4 213 104 170 158    
Tax TRY mil ... ... ... ... ...                   22.5 45.2 21.6 33.4 28.4    
Net Profit TRY mil ... ... ... ... ...                   75.8 168 82.5 137 129    
growth rates                                          
Net Interest Income Growth % ... ... ... ... ... ...                 1.22 62.3 -24.6 14.5 5.47    
Net Fee Income Growth % ... ... ... ... ... ...                 -0.512 -17.3 -9.09 39.6 0.935    
Total Revenue Growth % ... ... ... ... ... ...                 -8.71 70.4 -20.7 39.3 -13.2    
Operating Cost Growth % ... ... ... ... ... ...                 0.661 31.8 4.99 15.5 -7.37    
Operating Profit Growth % ... ... ... ... ... ...                 -18.3 119 -40.1 70.8 -18.4    
Pre-Tax Profit Growth % ... ... ... ... ... ...                 -32.9 117 -51.2 63.7 -7.51    
Net Profit Growth % ... ... ... ... ... ...                 -36.9 122 -50.9 66.1 -5.65    
market share                                          
Market Share in Revenues % ... ... ... ... ...                   0.510 0.700 0.500 0.632 0.492   ...
Market Share in Net Profit % ... ... ... ... ...                   0.398 0.744 0.349 0.560 0.504   ...
Market Share in Employees %                             1.05 1.09 1.07 0.877 0.850    
Market Share in Branches %                             0.895 0.889 1.04 0.962 0.947    
balance sheet Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                          
Cash TRY mil ... ... ... ... ...                   501 664 867 1,214 1,603    
Interbank Loans TRY mil ... ... ... ... ...                   247 161 143 284 68.3    
Customer Loans TRY mil                             3,733 4,176 5,041 6,249 6,815    
Debt Securities TRY mil ... ... ... ... ...                   973 948 1,045 1,269 1,969    
Fixed Assets TRY mil ... ... ... ... ...                   20.2 26.3 29.2 124 132    
Total Assets TRY mil                             5,781 6,291 7,483 9,477 10,967    
Shareholders' Equity TRY mil                             840 1,160 1,053 1,228 1,360    
Liabilities TRY mil                             4,941 5,131 6,431 8,249 9,607    
Interbank Borrowing TRY mil ... ... ... ... ...                   391 228 426 501 643    
Customer Deposits TRY mil                             3,667 3,921 4,945 6,512 7,323    
Issued Debt Securities TRY mil ... ... ... ... ...                   1,434 1,287 1,776 2,124 2,926    
Other Liabilities TRY mil ... ... ... ... ...                   -550 -306 -716 -889 -1,285    
asset quality                                          
Non-Performing Loans TRY mil ... ... ... ... ...                   99.8 137 132 197 253    
Gross Loans TRY mil ... ... ... ... ...                   3,815 4,313 5,173 6,385 7,005    
Total Provisions TRY mil ... ... ... ... ...                   81.9 137 132 136 190    
growth rates                                          
Customer Loan Growth % ...                           23.3 11.9 20.7 24.0 9.05    
Total Asset Growth % ...                           28.8 8.81 19.0 26.6 15.7    
Shareholders' Equity Growth % ...                           11.2 38.0 -9.22 16.7 10.7    
Customer Deposit Growth % ...                           39.1 6.95 26.1 31.7 12.5    
market share                                          
Market Share in Customer Loans %                             0.587 0.570 0.520 0.544 0.493    
Market Share in Total Assets %                             0.498 0.485 0.458 0.502 0.490    
Market Share in Customer Deposits %                             0.559 0.540 0.552 0.653 0.625    
ratios Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                          
ROE % ... ... ... ... ...                   9.50 16.8 7.46 12.0 9.99    
ROA % ... ... ... ... ...                   1.48 2.79 1.20 1.62 1.26    
Costs (As % Of Assets) % ... ... ... ... ...                   3.24 3.63 3.34 3.13 2.41    
Costs (As % Of Income) % ... ... ... ... ...                   55.6 43.0 57.0 47.2 50.4    
Capital Adequacy Ratio % ... ... ... ... ...                   17.0 19.6 15.2 15.1 14.5    
Net Interest Margin % ... ... ... ... ...                   4.97 6.87 4.54 4.22 3.69    
Interest Spread % ... ... ... ... ...                   4.16 5.71 3.87 3.45 3.01    
Asset Yield % ... ... ... ... ...                   9.41 12.7 8.06 9.20 8.44    
Cost Of Liabilities % ... ... ... ... ...                   5.26 7.02 4.19 5.75 5.43    
Interest Income (As % Of Revenues) % ... ... ... ... ...                   85.5 81.4 77.5 63.7 77.4    
Fee Income (As % Of Revenues) % ... ... ... ... ...                   20.3 9.86 11.3 11.3 13.2    
Other Income (As % Of Revenues) % ... ... ... ... ...                   -5.77 8.70 11.2 25.0 9.45    
Cost Per Employee USD per month ... ... ... ... ...                   2,881 3,382 3,203 3,592 2,798    
Cost Per Employee (Local Currency) TRY per month ... ... ... ... ...                   4,842 6,088 6,107 8,057 7,339    
Staff Cost (As % Of Total Cost) % ... ... ... ... ...                   66.8 67.5 67.3 64.1 61.2    
Equity (As % Of Assets) %                             14.5 18.4 14.1 13.0 12.4    
Loans (As % Of Deposits) %                             102 106 102 96.0 93.1    
Loans (As % Assets) %                             64.6 66.4 67.4 65.9 62.1    
NPLs (As % Of Loans) % ... ... ... ... ...                   2.62 3.19 2.55 3.08 3.61    
Provisions (As % Of NPLs) % ... ... ... ... ...                   82.0 100 100 69.1 75.0    
Provisions (As % Of Loans) % ... ... ... ... ...                   2.19 3.29 2.62 2.18 2.79    
Cost of Provisions (As % Of Loans) % ... ... ... ... ...                   1.01 1.94 1.51 2.23 1.29    
other data Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                          
Branches                             88.0 91.0 115 108 106    
Employees                             1,911 2,024 2,111 1,761 1,711    

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Anadolubank's customer deposits rose 28.7% to TRY 11,841 mil in 2017

By Helgi Library - December 12, 2019

Anadolubank's customer deposits reached TRY 11,841 mil in 2017, up 28.7% compared to the previous year. Turkish banking sector accepted customer deposits of TRY 1,670 bil in 2017, up 17.8% when compared to the last year. Anadolubank accounted for 0.735% o...

Anadolubank's net profit fell 5.60% to TRY 151 mil in 2017

By Helgi Library - June 30, 2018

Anadolubank made a net profit of TRY 151 mil in 2017, down 5.60% compared to the previous year. This implies a return on equity of 9.17%. Historically, the bank’s net profit reached an all time high of TRY 168 mil in 2012 and an all time low of TRY 15.7 mil...

Anadolubank's net profit fell 5.60% to TRY 151 mil in 2017

By Helgi Library - June 30, 2018

Anadolubank made a net profit of TRY 151 mil in 2017, down 5.60% compared to the previous year. This implies a return on equity of 9.17%. Historically, the bank’s net profit reached an all time high of TRY 168 mil in 2012 and an all time low of TRY 15.7 mil...

Anadolubank's net interest margin fell 2.76% to 3.59% in 2017

By Helgi Library - June 30, 2018

Anadolubank's net interest margin amounted to 3.59% in 2017, down from 3.69% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 7.71% in 2009 and an all time low of 3.59% in 2017. The average margin i...

Anadolubank's net interest margin fell 2.76% to 3.59% in 2017

By Helgi Library - June 30, 2018

Anadolubank's net interest margin amounted to 3.59% in 2017, down from 3.69% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 7.71% in 2009 and an all time low of 3.59% in 2017. The average margin i...

Anadolubank's costs (as % of assets) rose 1.38% to 2.37% in 2017

By Helgi Library - June 30, 2018

Anadolubank's cost to income ratio reached 49.3% in 2017, up from 46.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 65.0% of income in 2002 and an all time low of 43.0% in 2012. When compared to total assets, b...

Anadolubank's npls (as % of loans) fell 4.14% to 2.88% in 2017

By Helgi Library - June 30, 2018

Anadolubank's non-performing loans reached 2.88% of total loans at the end of 2017, down from 3.00% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.61% in 2015 and an all time low of 1.33% in 2006. Provision coverage amo...

Anadolubank's net interest income rose 14.6% to TRY 496 mil in 2017

By Helgi Library - June 30, 2018

Anadolubank generated total banking revenues of TRY 664 mil in 2017, up 11.9% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of TRY 664 mil in 2017 and an all t...

Anadolubank's costs (as % of assets) rose 1.38% to 2.37% in 2017

By Helgi Library - June 30, 2018

Anadolubank's cost to income ratio reached 49.3% in 2017, up from 46.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 65.0% of income in 2002 and an all time low of 43.0% in 2012. When compared to total assets, b...

Anadolubank's npls (as % of loans) fell 4.14% to 2.88% in 2017

By Helgi Library - June 30, 2018

Anadolubank's non-performing loans reached 2.88% of total loans at the end of 2017, down from 3.00% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.61% in 2015 and an all time low of 1.33% in 2006. Provision coverage amo...

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Finance

Anadolubank has been growing its revenues and asset by 10.2% and 17.5% a year on average in the last 10 years. Its loans and deposits have grown by 20.1% and 20.4% a year during that time and loans to deposits ratio reached 93.0% at the end of 2017. The company achieved an average return on equity of 13.2% in the last decade with net profit growing 6.36% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.3% in 2017, compared to 49.3% average in the last decade.

Equity represented 11.7% of total assets or 16.2% of loans at the end of 2017. Anadolubank's non-performing loans were 2.88% of total loans while provisions covered some 42.9% of NPLs at the end of 2017.