By Helgi Library - June 24, 2018
QNB Finansbank made a net profit of TRY 1,553 mil in 2017, up 41.2% compared to the previous year. This implies a return on equi...
By Helgi Library - June 24, 2018
QNB Finansbank made a net profit of TRY 1,553 mil in 2017, up 41.2% compared to the previous year. This implies a return on equi...
By Helgi Library - December 12, 2019
QNB Finansbank's customer loans reached TRY 82,905 mil in 2017, up 31.8% compared to the previous year. Turkish banking sector ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | TRY mil | 3,549 | 4,116 | 5,473 |
| Net Fee Income | TRY mil | 1,181 | 1,245 | 1,633 |
| Other Income | TRY mil | -405 | -244 | -1,053 |
| Total Revenues | TRY mil | 4,324 | 5,118 | 6,052 |
| Staff Cost | TRY mil | 937 | 1,040 | 1,214 |
| Operating Profit | TRY mil | 1,864 | 2,559 | 3,178 |
| Provisions | TRY mil | 1,052 | 1,203 | 1,194 |
| Net Profit | TRY mil | 635 | 1,100 | 1,553 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | TRY mil | 315 | 274 | 1,296 |
| Customer Loans | TRY mil | 57,226 | 62,900 | 82,905 |
| Total Assets | TRY mil | 85,727 | 101,503 | 126,212 |
| Shareholders' Equity | TRY mil | 9,024 | 10,126 | 12,190 |
| Interbank Borrowing | TRY mil | 4,627 | 6,521 | 6,508 |
| Customer Deposits | TRY mil | 48,566 | 53,939 | 67,832 |
| Issued Debt Securities | TRY mil | 12,604 | 18,322 | 27,776 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 7.21 | 11.5 | 13.9 |
| ROA | % | 0.789 | 1.17 | 1.36 |
| Costs (As % Of Assets) | % | 3.06 | 2.73 | 2.52 |
| Costs (As % Of Income) | % | 56.9 | 50.0 | 47.5 |
| Capital Adequacy Ratio | % | 15.4 | 14.5 | 15.0 |
| Net Interest Margin | % | 4.41 | 4.40 | 4.81 |
| Loans (As % Of Deposits) | % | 118 | 117 | 122 |
| NPLs (As % Of Loans) | % | 6.30 | 5.81 | 5.02 |
| Provisions (As % Of NPLs) | % | 80.4 | 84.0 | 81.5 |
| Valuation | 2015 | 2016 | 2017 | |
| Price/Earnings (P/E) | 26.5 | 13.6 | 11.8 | |
| Price/Book Value (P/BV) | 1.86 | 1.48 | 1.50 | |
| Earnings Per Share (EPS) | TRY | 0.189 | 0.328 | 0.463 |
| Book Value Per Share | TRY | 2.69 | 3.02 | 3.64 |
Get all company financials in excel:
| summary | Unit | 1987 | 1988 | 1989 | 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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,979 | 2,914 | 2,831 | 2,977 | 3,549 | |||||||||||
| Total Revenues | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,669 | 3,981 | 3,860 | 4,388 | 4,324 | |||||||||||
| Operating Profit | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,269 | 2,160 | 1,807 | 2,138 | 1,864 | |||||||||||
| Net Profit | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 754 | 914 | 657 | 846 | 635 | |||||||||||
| balance sheet | ||||||||||||||||||||||||||||||||
| Interbank Loans | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 828 | 111 | 309 | 245 | 315 | |||||||||||
| Customer Loans | TRY mil | 30,271 | 36,440 | 42,725 | 50,246 | 57,226 | ||||||||||||||||||||||||||
| Debt Securities | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,506 | 8,425 | 12,237 | 12,558 | 14,681 | |||||||||||
| Total Assets | TRY mil | 46,199 | 54,402 | 66,010 | 75,206 | 85,727 | ||||||||||||||||||||||||||
| Shareholders' Equity | TRY mil | 5,696 | 7,325 | 7,648 | 8,574 | 9,024 | ||||||||||||||||||||||||||
| Interbank Borrowing | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,511 | 1,734 | 3,737 | 4,165 | 4,627 | |||||||||||
| Customer Deposits | TRY mil | 29,276 | 32,922 | 38,322 | 42,075 | 48,566 | ||||||||||||||||||||||||||
| Issued Debt Securities | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,609 | 8,277 | 9,342 | 12,446 | 12,604 | |||||||||||
| ratios | ||||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.8 | 14.0 | 8.78 | 10.4 | 7.21 | |||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.79 | 1.82 | 1.09 | 1.20 | 0.789 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.32 | 3.62 | 3.41 | 3.19 | 3.06 | |||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 52.5 | 45.7 | 53.2 | 51.3 | 56.9 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.2 | 18.8 | 17.0 | 17.0 | 15.4 | |||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.70 | 5.79 | 4.70 | 4.22 | 4.41 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 74.2 | 73.2 | 73.3 | 67.9 | 82.1 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.7 | 26.2 | 23.9 | 29.3 | 27.3 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 43.4 | 41.8 | 39.4 | 40.3 | 38.1 | |||||||||||
| Equity (As % Of Assets) | % | 12.3 | 13.5 | 11.6 | 11.4 | 10.5 | ||||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 103 | 111 | 111 | 119 | 118 | ||||||||||||||||||||||||||
| Loans (As % Assets) | % | 65.5 | 67.0 | 64.7 | 66.8 | 66.8 | ||||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.83 | 6.51 | 6.56 | 5.21 | 6.30 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 78.2 | 85.0 | 82.8 | 79.2 | 80.4 | |||||||||||
| valuation | ||||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,534 | 3,942 | 4,387 | 5,779 | ||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,350 | 3,350 | 3,350 | 3,350 | ||
| Share Price (End Of Period) | TRY | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.48 | 2.53 | 3.06 | 5.02 | ||
| Earnings Per Share (EPS) | TRY | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.273 | 0.196 | 0.253 | 0.189 | ||
| Book Value Per Share | TRY | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.19 | 2.28 | 2.56 | 2.69 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.8 | 12.9 | 12.1 | 26.5 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.59 | 1.11 | 1.20 | 1.86 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -28.1 | 28.7 | -25.0 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.5 | 47.2 | 4.41 | 12.1 | 5.24 |
| income statement | Unit | 1987 | 1988 | 1989 | 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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,034 | 5,647 | 5,075 | 6,263 | 6,830 | |||||||||||
| Interest Cost | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,054 | 2,734 | 2,244 | 3,285 | 3,282 | |||||||||||
| Net Interest Income | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,979 | 2,914 | 2,831 | 2,977 | 3,549 | |||||||||||
| Net Fee Income | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 713 | 1,042 | 923 | 1,286 | 1,181 | |||||||||||
| Other Income | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -23.2 | 25.5 | 106 | 125 | -405 | |||||||||||
| Total Revenues | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,669 | 3,981 | 3,860 | 4,388 | 4,324 | |||||||||||
| Staff Cost | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 608 | 762 | 810 | 907 | 937 | |||||||||||
| Operating Cost | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,400 | 1,821 | 2,053 | 2,250 | 2,461 | |||||||||||
| Operating Profit | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,269 | 2,160 | 1,807 | 2,138 | 1,864 | |||||||||||
| Provisions | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 272 | 978 | 967 | 1,037 | 1,052 | |||||||||||
| Extra and Other Cost | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Pre-Tax Profit | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 996 | 1,182 | 839 | 1,101 | 812 | |||||||||||
| Tax | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 242 | 269 | 182 | 255 | 177 | |||||||||||
| Net Profit | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 754 | 914 | 657 | 846 | 635 | |||||||||||
| growth rates | ||||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.5 | 47.2 | -2.83 | 5.16 | 19.2 | ||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 22.5 | 46.2 | -11.4 | 39.2 | -8.13 | ||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -1.73 | 49.2 | -3.04 | 13.7 | -1.45 | ||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.80 | 30.1 | 12.8 | 9.57 | 9.37 | ||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -7.18 | 70.3 | -16.4 | 18.4 | -12.8 | ||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.4 | 18.7 | -29.0 | 31.2 | -26.3 | ||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -15.9 | 21.1 | -28.1 | 28.7 | -25.0 | ||||||||||
| market share | ||||||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.55 | 5.47 | 4.78 | 4.93 | 4.36 | ... | ||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.96 | 4.04 | 2.78 | 3.46 | 2.47 | ... | ||||||||||
| Market Share in Employees | % | 5.97 | 6.48 | 7.07 | 6.39 | 6.44 | ||||||||||||||||||||||||||
| Market Share in Branches | % | 5.31 | 5.69 | 6.12 | 5.86 | 5.74 |
| balance sheet | Unit | 1987 | 1988 | 1989 | 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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,958 | 5,347 | 8,284 | 8,700 | 9,970 | |||||||||||
| Interbank Loans | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 828 | 111 | 309 | 245 | 315 | |||||||||||
| Customer Loans | TRY mil | 30,271 | 36,440 | 42,725 | 50,246 | 57,226 | ||||||||||||||||||||||||||
| Debt Securities | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,506 | 8,425 | 12,237 | 12,558 | 14,681 | |||||||||||
| Fixed Assets | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 518 | 593 | 726 | 1,701 | 1,836 | |||||||||||
| Total Assets | TRY mil | 46,199 | 54,402 | 66,010 | 75,206 | 85,727 | ||||||||||||||||||||||||||
| Shareholders' Equity | TRY mil | 5,696 | 7,325 | 7,648 | 8,574 | 9,024 | ||||||||||||||||||||||||||
| Liabilities | TRY mil | 40,503 | 47,076 | 58,361 | 66,632 | 76,704 | ||||||||||||||||||||||||||
| Interbank Borrowing | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,511 | 1,734 | 3,737 | 4,165 | 4,627 | |||||||||||
| Customer Deposits | TRY mil | 29,276 | 32,922 | 38,322 | 42,075 | 48,566 | ||||||||||||||||||||||||||
| Issued Debt Securities | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,609 | 8,277 | 9,342 | 12,446 | 12,604 | |||||||||||
| Other Liabilities | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,107 | 4,144 | 6,961 | 7,947 | 10,907 | |||||||||||
| asset quality | ||||||||||||||||||||||||||||||||
| Non-Performing Loans | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,845 | 2,522 | 2,993 | 2,743 | 3,788 | |||||||||||
| Gross Loans | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 31,645 | 38,717 | 45,597 | 52,630 | 60,117 | |||||||||||
| Total Provisions | TRY mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,443 | 2,143 | 2,480 | 2,172 | 3,046 | |||||||||||
| growth rates | ||||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 21.8 | 20.4 | 17.2 | 17.6 | 13.9 | |||||||||||||||||||||||||
| Total Asset Growth | % | ... | 21.3 | 17.8 | 21.3 | 13.9 | 14.0 | |||||||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 9.36 | 28.6 | 4.41 | 12.1 | 5.24 | |||||||||||||||||||||||||
| Customer Deposit Growth | % | ... | 19.8 | 12.5 | 16.4 | 9.79 | 15.4 | |||||||||||||||||||||||||
| market share | ||||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 4.76 | 4.97 | 4.41 | 4.38 | 4.14 | ||||||||||||||||||||||||||
| Market Share in Total Assets | % | 3.98 | 4.19 | 4.04 | 3.98 | 3.83 | ||||||||||||||||||||||||||
| Market Share in Customer Deposits | % | 4.46 | 4.54 | 4.28 | 4.22 | 4.15 |
| ratios | Unit | 1987 | 1988 | 1989 | 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 | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.8 | 14.0 | 8.78 | 10.4 | 7.21 | |||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.79 | 1.82 | 1.09 | 1.20 | 0.789 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.32 | 3.62 | 3.41 | 3.19 | 3.06 | |||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 52.5 | 45.7 | 53.2 | 51.3 | 56.9 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.2 | 18.8 | 17.0 | 17.0 | 15.4 | |||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.70 | 5.79 | 4.70 | 4.22 | 4.41 | |||||||||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.97 | 4.98 | 4.17 | 3.61 | 3.91 | |||||||||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.57 | 11.2 | 8.43 | 8.87 | 8.49 | |||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.60 | 6.24 | 4.26 | 5.26 | 4.58 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 74.2 | 73.2 | 73.3 | 67.9 | 82.1 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.7 | 26.2 | 23.9 | 29.3 | 27.3 | |||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.871 | 0.639 | 2.73 | 2.85 | -9.37 | |||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,783 | 2,924 | 2,534 | 2,627 | 2,298 | |||||||||||
| Cost Per Employee (Local Currency) | TRY per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,676 | 5,263 | 4,832 | 5,894 | 6,028 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 43.4 | 41.8 | 39.4 | 40.3 | 38.1 | |||||||||||
| Equity (As % Of Assets) | % | 12.3 | 13.5 | 11.6 | 11.4 | 10.5 | ||||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 103 | 111 | 111 | 119 | 118 | ||||||||||||||||||||||||||
| Loans (As % Assets) | % | 65.5 | 67.0 | 64.7 | 66.8 | 66.8 | ||||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.83 | 6.51 | 6.56 | 5.21 | 6.30 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 78.2 | 85.0 | 82.8 | 79.2 | 80.4 | |||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.77 | 5.88 | 5.80 | 4.32 | 5.32 | |||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.988 | 2.93 | 2.44 | 2.23 | 1.96 |
| other data | Unit | 1987 | 1988 | 1989 | 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 | 522 | 582 | 674 | 658 | 642 | |||||||||||||||||||||||||||
| Employees | 10,837 | 12,060 | 13,967 | 12,830 | 12,950 | |||||||||||||||||||||||||||
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By Helgi Library - December 12, 2019
QNB Finansbank's customer loans reached TRY 82,905 mil in 2017, up 31.8% compared to the previous year. Turkish banking sector provided customer loans of TRY 2,209 bil in 2017, up 20.6% when compared to the last year. QNB Finansbank accounted for 4.23% of...
By Helgi Library - December 12, 2019
QNB Finansbank's customer deposits reached TRY 67,832 mil in 2017, up 25.8% 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. QNB Finansbank accounted for 4....
By Helgi Library - December 12, 2019
QNB Finansbank's customer deposits reached TRY 67,832 mil in 2017, up 25.8% 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. QNB Finansbank accounted for 4....
By Helgi Library - June 24, 2018
QNB Finansbank employed 11,854 persons in 2017, down 4.79% when compared to the previous year. Historically, the bank's workforce hit an all time high of 13,967 persons in 2013 and an all time low of 2,811 in 2002. Average cost reached USD 2,336 per month per emp...
By Helgi Library - June 24, 2018
QNB Finansbank employed 11,854 persons in 2017, down 4.79% when compared to the previous year. Historically, the bank's workforce hit an all time high of 13,967 persons in 2013 and an all time low of 2,811 in 2002. Average cost reached USD 2,336 per month per emp...
By Helgi Library - June 24, 2018
QNB Finansbank generated total banking revenues of TRY 6,052 mil in 2017, up 18.2% 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 6,052 mil in 2017 and a...
By Helgi Library - June 24, 2018
QNB Finansbank generated total banking revenues of TRY 6,052 mil in 2017, up 18.2% 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 6,052 mil in 2017 and a...
By Helgi Library - June 24, 2018
QNB Finansbank's cost to income ratio reached 47.5% in 2017, down from 50.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 56.9% of income in 2015 and an all time low of 38.6% in 2006. When compared to total asse...
By Helgi Library - June 24, 2018
QNB Finansbank's cost to income ratio reached 47.5% in 2017, down from 50.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 56.9% of income in 2015 and an all time low of 38.6% in 2006. When compared to total asse...
By Helgi Library - June 24, 2018
QNB Finansbank's non-performing loans reached 5.02% of total loans at the end of 2017, down from 5.81% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.20% in 2002 and an all time low of 2.05% in 2004. Provision coverage ...
QNB Finansbank has been growing its revenues and asset by 11.6% and 19.7% a year on average in the last 10 years. Its loans and deposits have grown by 19.3% and 18.0% a year during that time and loans to deposits ratio reached 122% at the end of 2017. The company achieved an average return on equity of 12.6% in the last decade with net profit growing 9.57% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.5% in 2017, compared to 50.4% average in the last decade.
Equity represented 9.66% of total assets or 14.7% of loans at the end of 2017. QNB Finansbank's non-performing loans were 5.02% of total loans while provisions covered some 81.5% of NPLs at the end of 2017.
QNB Finansbank stock traded at TRY 5.46 per share at the end of 2017 resulting in a market capitalization of USD 4,836 mil. Over the previous five years, stock price rose by 56.9% or 9.43% a year on average. That’s compared to an average ROE of 10.4% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 11.8x and price to book value (PBV) of 1.50x in 2017.
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