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HSBC Bank Turkey

HSBC Bank Turkey's customer loans rose 7.68% to TRY 15,255 mil in 2017

By Helgi Library - December 12, 2019

HSBC Bank Turkey's customer loans reached TRY 15,255 mil in 2017, up 7.68% compared to the previous year. Turkish banking secto...

HSBC Bank Turkey's customer loans rose 7.68% to TRY 15,255 mil in 2017

By Helgi Library - December 12, 2019

HSBC Bank Turkey's customer loans reached TRY 15,255 mil in 2017, up 7.68% compared to the previous year. Turkish banking secto...

HSBC Bank Turkey's customer deposits rose 8.36% to TRY 16,416 mil in 2017

By Helgi Library - December 12, 2019

HSBC Bank Turkey's customer deposits reached TRY 16,416 mil in 2017, up 8.36% compared to the previous year. Turkish banking se...

Profit Statement 2015 2016 2017
Net Interest Income TRY mil 1,011 871 1,328
Net Fee Income TRY mil 429 342 322
Other Income TRY mil 217 282 -182
Total Revenues TRY mil 1,657 1,495 1,469
Staff Cost TRY mil 518 512 420
Operating Profit TRY mil 383 400 496
Provisions TRY mil 630 722 333
Net Profit TRY mil -298 -326 299
Balance Sheet 2015 2016 2017
Interbank Loans TRY mil 494 921 345
Customer Loans TRY mil 20,436 14,167 15,255
Total Assets TRY mil 31,647 24,369 24,628
Shareholders' Equity TRY mil 2,660 2,277 2,576
Interbank Borrowing TRY mil 5,337 2,343 2,612
Customer Deposits TRY mil 19,056 15,150 16,416
Issued Debt Securities TRY mil 7,772 4,861 3,715
Ratios 2015 2016 2017
ROE % -10.5 -13.2 12.3
ROA % -0.910 -1.16 1.22
Costs (As % Of Assets) % 3.89 3.91 3.97
Costs (As % Of Income) % 76.9 73.2 66.2
Capital Adequacy Ratio % 15.7 20.4 17.6
Net Interest Margin % 3.09 3.11 5.42
Loans (As % Of Deposits) % 107 93.5 92.9
NPLs (As % Of Loans) % 5.85 9.45 5.46
Provisions (As % Of NPLs) % 63.1 68.6 68.0
Growth Rates 2015 2016 2017
Total Revenue Growth % -7.56 -9.78 -1.74
Operating Cost Growth % -1.63 -14.0 -11.1
Operating Profit Growth % -23.0 4.40 24.0
Net Profit Growth % 453 9.37 -192
Customer Loan Growth % 5.26 -30.7 7.68
Total Asset Growth % -6.43 -23.0 1.06
Customer Deposit Growth % 0.084 -20.5 8.36
Shareholders' Equity Growth % -11.2 -14.4 13.1
Employees 4,997 3,188 ...

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summary Unit 1990 1991 1992 1993 1994 1995 1996 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 ... ... ... ... ... ... ... ... ... ... ... ...                   957 1,388 1,162 1,186 1,011    
Total Revenues TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   1,365 1,701 1,662 1,793 1,657    
Operating Profit TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   429 522 508 498 383    
Net Profit TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   214 183 26.7 -53.9 -298    
balance sheet                                                        
Interbank Loans TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   366 903 1,673 1,851 494    
Customer Loans TRY mil                                           13,802 15,478 19,272 19,416 20,436    
Debt Securities TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   7,229 5,952 11,072 8,410 6,181    
Total Assets TRY mil                                           24,132 25,299 36,229 33,822 31,647    
Shareholders' Equity TRY mil                                           2,795 3,050 3,015 2,994 2,660    
Interbank Borrowing TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   5,458 5,718 9,744 8,244 5,337    
Customer Deposits TRY mil                                           13,247 14,206 17,608 19,040 19,056    
Issued Debt Securities TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   6,862 6,566 12,825 9,718 7,772    
ratios                                                        
ROE % ... ... ... ... ... ... ... ... ... ... ... ...                   7.80 6.26 0.879 -1.79 -10.5    
ROA % ... ... ... ... ... ... ... ... ... ... ... ...                   1.02 0.741 0.087 -0.154 -0.910    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ... ... ... ...                   4.47 4.77 3.75 3.70 3.89    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ... ... ... ...                   68.6 69.3 69.4 72.2 76.9    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... ... ... ... ...                   16.1 17.1 14.9 15.1 15.7    
Net Interest Margin % ... ... ... ... ... ... ... ... ... ... ... ...                   4.57 5.62 3.78 3.39 3.09    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ...                   70.1 81.6 69.9 66.1 61.0    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ...                   26.3 28.3 31.1 33.2 25.9    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... ... ...                   42.3 43.1 45.7 44.8 40.7    
Equity (As % Of Assets) %                                           11.6 12.1 8.32 8.85 8.40    
Loans (As % Of Deposits) %                                           104 109 109 102 107    
Loans (As % Assets) %                                           57.2 61.2 53.2 57.4 64.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   4.26 4.70 6.05 6.17 5.85    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                   71.9 64.6 70.8 61.5 63.1    
valuation                                                        
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -10.3 45.1 -16.3 2.02 -14.8    
income statement Unit 1990 1991 1992 1993 1994 1995 1996 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 ... ... ... ... ... ... ... ... ... ... ... ...                   1,737 2,504 2,026 2,497 2,160    
Interest Cost TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   780 1,116 864 1,311 1,149    
Net Interest Income TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   957 1,388 1,162 1,186 1,011    
Net Fee Income TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   359 481 516 596 429    
Other Income TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   49.6 -169 -16.5 11.1 217    
Total Revenues TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   1,365 1,701 1,662 1,793 1,657    
Staff Cost TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   396 508 527 580 518    
Operating Cost TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   936 1,179 1,154 1,295 1,274    
Operating Profit TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   429 522 508 498 383    
Provisions TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   143 279 450 547 630    
Extra and Other Cost TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   0 0 < 0.001 < 0.001 < 0.001    
Pre-Tax Profit TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   286 243 58.9 -49.0 -247    
Tax TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   71.7 59.5 32.2 4.95 51.0    
Net Profit TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   214 183 26.7 -53.9 -298    
growth rates                                                        
Net Interest Income Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -10.3 45.1 -16.3 2.02 -14.8    
Net Fee Income Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 3.53 34.1 7.28 15.4 -28.0    
Total Revenue Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -4.54 24.6 -2.29 7.86 -7.56    
Operating Cost Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -0.032 25.9 -2.18 12.3 -1.63    
Operating Profit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -13.1 21.7 -2.54 -2.13 -23.0    
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -4.61 -15.1 -75.7 -183 404    
Net Profit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                 -9.99 -14.5 -85.4 -302 453    
market share                                                        
Market Share in Revenues % ... ... ... ... ... ... ... ... ... ... ... ...                   2.33 2.34 2.06 2.01 1.67   ...
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ... ... ...                   1.12 0.810 0.113 ... ... ... ...
Market Share in Employees %                                           3.39 3.32 3.11 2.82 2.48   ...
Market Share in Branches %                                           3.36 3.30 2.86 2.66 2.54   ...
balance sheet Unit 1990 1991 1992 1993 1994 1995 1996 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 ... ... ... ... ... ... ... ... ... ... ... ...                   1,795 2,561 3,733 3,520 3,385    
Interbank Loans TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   366 903 1,673 1,851 494    
Customer Loans TRY mil                                           13,802 15,478 19,272 19,416 20,436    
Debt Securities TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   7,229 5,952 11,072 8,410 6,181    
Fixed Assets TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   218 233 237 234 121    
Total Assets TRY mil                                           24,132 25,299 36,229 33,822 31,647    
Shareholders' Equity TRY mil                                           2,795 3,050 3,015 2,994 2,660    
Liabilities TRY mil                                           21,337 22,248 33,214 30,828 28,988    
Interbank Borrowing TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   5,458 5,718 9,744 8,244 5,337    
Customer Deposits TRY mil                                           13,247 14,206 17,608 19,040 19,056    
Issued Debt Securities TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   6,862 6,566 12,825 9,718 7,772    
Other Liabilities TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   -4,230 -4,242 -6,963 -6,175 -3,178    
asset quality                                                        
Non-Performing Loans TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   606 750 1,217 1,246 1,242    
Gross Loans TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   14,238 15,963 20,134 20,182 21,220    
Total Provisions TRY mil ... ... ... ... ... ... ... ... ... ... ... ...                   436 484 862 766 784    
growth rates                                                        
Customer Loan Growth % ...                                         42.1 12.1 24.5 0.745 5.26    
Total Asset Growth % ...                                         36.1 4.83 43.2 -6.64 -6.43    
Shareholders' Equity Growth % ...                                         3.52 9.12 -1.16 -0.700 -11.2    
Customer Deposit Growth % ...                                         23.8 7.24 23.9 8.13 0.084    
market share                                                        
Market Share in Customer Loans %                                           2.17 2.11 1.99 1.69 1.48    
Market Share in Total Assets %                                           2.08 1.95 2.22 1.79 1.42    
Market Share in Customer Deposits %                                           2.02 1.96 1.97 1.91 1.63    
ratios Unit 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                                        
ROE % ... ... ... ... ... ... ... ... ... ... ... ...                   7.80 6.26 0.879 -1.79 -10.5    
ROA % ... ... ... ... ... ... ... ... ... ... ... ...                   1.02 0.741 0.087 -0.154 -0.910    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ... ... ... ...                   4.47 4.77 3.75 3.70 3.89    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ... ... ... ...                   68.6 69.3 69.4 72.2 76.9    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... ... ... ... ...                   16.1 17.1 14.9 15.1 15.7    
Net Interest Margin % ... ... ... ... ... ... ... ... ... ... ... ...                   4.57 5.62 3.78 3.39 3.09    
Interest Spread % ... ... ... ... ... ... ... ... ... ... ... ...                   4.01 5.01 3.47 3.03 2.76    
Asset Yield % ... ... ... ... ... ... ... ... ... ... ... ...                   8.30 10.1 6.59 7.13 6.60    
Cost Of Liabilities % ... ... ... ... ... ... ... ... ... ... ... ...                   4.29 5.12 3.12 4.09 3.84    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ...                   70.1 81.6 69.9 66.1 61.0    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ...                   26.3 28.3 31.1 33.2 25.9    
Other Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ... ... ... ...                   3.64 -9.92 -0.992 0.617 13.1    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ... ... ... ...                   3,193 3,813 3,749 3,809 3,296   ...
Cost Per Employee (Local Currency) TRY per month ... ... ... ... ... ... ... ... ... ... ... ...                   5,366 6,864 7,148 8,545 8,647   ...
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... ... ...                   42.3 43.1 45.7 44.8 40.7    
Equity (As % Of Assets) %                                           11.6 12.1 8.32 8.85 8.40    
Loans (As % Of Deposits) %                                           104 109 109 102 107    
Loans (As % Assets) %                                           57.2 61.2 53.2 57.4 64.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   4.26 4.70 6.05 6.17 5.85    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                   71.9 64.6 70.8 61.5 63.1    
Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   3.16 3.13 4.47 3.95 3.84    
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   1.21 1.91 2.59 2.83 3.16    
other data Unit 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                                        
Branches                                           330 338 315 298 284   ...
Employees                                           6,155 6,170 6,148 5,659 4,997   ...

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HSBC Bank Turkey's customer deposits rose 8.36% to TRY 16,416 mil in 2017

By Helgi Library - December 12, 2019

HSBC Bank Turkey's customer deposits reached TRY 16,416 mil in 2017, up 8.36% 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. HSBC Bank Turkey accounted fo...

HSBC Bank Turkey's net profit rose 192% to TRY 299 mil in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey made a net profit of TRY 299 mil in 2017, up 192% compared to the previous year. This implies a return on equity of 12.3%. Historically, the bank’s net profit reached an all time high of TRY 410 mil in 2007 and an all time low of TRY -326 m...

HSBC Bank Turkey's npls (as % of loans) fell 42.2% to 5.46% in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey's non-performing loans reached 5.46% of total loans at the end of 2017, down from 9.45% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.0% in 2009 and an all time low of 1.59% in 2004. Provision coverag...

HSBC Bank Turkey's npls (as % of loans) fell 42.2% to 5.46% in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey's non-performing loans reached 5.46% of total loans at the end of 2017, down from 9.45% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.0% in 2009 and an all time low of 1.59% in 2004. Provision coverag...

HSBC Bank Turkey's net profit rose 192% to TRY 299 mil in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey made a net profit of TRY 299 mil in 2017, up 192% compared to the previous year. This implies a return on equity of 12.3%. Historically, the bank’s net profit reached an all time high of TRY 410 mil in 2007 and an all time low of TRY -326 m...

HSBC Bank Turkey's net interest margin rose 74.4% to 5.42% in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey's net interest margin amounted to 5.42% in 2017, up from 3.11% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 14.1% in 2002 and an all time low of 3.09% in 2015. The average margi...

HSBC Bank Turkey's net interest margin rose 74.4% to 5.42% in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey's net interest margin amounted to 5.42% in 2017, up from 3.11% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 14.1% in 2002 and an all time low of 3.09% in 2015. The average margi...

HSBC Bank Turkey's net interest income rose 52.5% to TRY 1,328 mil in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey generated total banking revenues of TRY 1,469 mil in 2017, down 1.74% 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 1,793 mil in 2014 a...

HSBC Bank Turkey's net interest income rose 52.5% to TRY 1,328 mil in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey generated total banking revenues of TRY 1,469 mil in 2017, down 1.74% 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 1,793 mil in 2014 a...

HSBC Bank Turkey's customer loan growth rose 125% to 7.68% in 2017

By Helgi Library - June 19, 2018

HSBC Bank Turkey's customer loan growth reached 7.68% in 2017, up from -30.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 6,139% in 1991 and an all time low of -38.6% in 1994. In the last decade, the av...

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Finance

HSBC Bank Turkey has been growing its revenues and asset by 0.216% and 6.25% a year on average in the last 10 years. Its loans and deposits have grown by 4.91% and 7.92% a year during that time and loans to deposits ratio reached 92.9% at the end of 2017. The company achieved an average return on equity of 3.17% in the last decade with net profit growing -3.11% a year on average. In terms of operating efficiency, its cost to income ratio reached 66.2% in 2017, compared to 67.6% average in the last decade.

Equity represented 10.5% of total assets or 16.9% of loans at the end of 2017. HSBC Bank Turkey's non-performing loans were 5.46% of total loans while provisions covered some 68.0% of NPLs at the end of 2017.