2014 1Q Consolidated Results

TEB
31 March 2014
Summary Balance Sheet
2
Source: TEB BRSA Consolidated Financials
Summary Income Statement
3
Source: TEB BRSA Consolidated Financials
Strong balance sheet growth with continuing
commitment to core banking activities
4
Source: TEB BRSA Consolidated Financials
Retail & SME loans make up almost 80% of total loans
5
Source: TEB BRSA Bank only Financials
NPL ratio maintained below sector averages
6
Source: TEB BRSA Bank only Financials
Loan portfolio(*) highly distributed among industries
(*)
incl. non-cash balance
7
Share of marketable securities maintained around 8% of
total assets
8
Source: TEB BRSA Bank only Financials
Shift to alternative funding slightly increasing the L/D
ratio, in line with the sector
9
Source: TEB BRSA Bank only Financials
Normalization in COR in comparison to last year
(1)
COR includes specific and general as well as other
provision expenses
Cumulative ratio = annualized Provision Exp. (incl.GLLP) /
Average quarter-end Loans.
Quarterly ratio = annualized Provision Exp. (incl. GLLP) /
Average of last 2 quarter-end Loans
10
Source: TEB BRSA Bank only Financials
Quarterly improvement in margins reflected on the C/I
(1)
Annualized NII /
/ Avr of past YtD quarter-end Loan and MS for
cumulative line
/ Avr of last 2 quarter-end Loan and MS for
quarterly line
11
Source: TEB BRSA Bank only Financials
TEB’s Network
TEB is present in 72 cities out of 81
2
Tekirdağ
İstanbul
5
13
1
3
Kocaeli
Düzce
Sakarya
Yalova
2
Bolu
Bursa
Bilecik
Çanakkale
3
24
Balıkesir
1
1
1
Çankırı
Ankara
Kırıkkale
Uşak 2
8
Uş
Denizli
ak
Aydın 6
Aydın
Muğla
13
6
Afyon
1
1
2
1
Aksaray
Konya
Isparta
10
Burdur
25
Nevşehir
2
Adana
Karaman
12
G.Antep
Kilis
Mersin
Hatay
6
4
Cities with branches
Cities without branches
Cities where new branches opened during 2013 & 2014
4
2
2
Siirt 1
Batman
Şırnak
Hakkari
Mardin
Osmaniye
19
Van
Van
Bitlis
Adıyaman
3
1
Muş
Diyarbakır
1
K.Maraş
Bingöl
Tunceli
Ağrı
Elazığ 2
Malatya
1
2
1
3
Kayseri
Niğde
1
Antalya
7
Iğdır
Erzurum
Erzincan
2
1
1
Bayburt
Kırşehir
2
Kars
G.Hane
Sivas
Yozgat 1
1
1
Giresun
Tokat 2
2
2
Ardahan
Rize
Trabzon
Amasya
Çorum
43
1
Manisa
İzmir
Ordu
Artvin
1
4
1
3
Samsun
1
Kütahya 2
41
1
6
Karabük
5
Eskişehir
6
Sinop
2 Bartın Kastamonu
1
Zonguldak
186
Edirne
3
1
1
Kırklareli
10
Ş.Urfa
4
2
As of 31/03/2014
Number of Clients: 5,5 million
Number of Branches: 547
Total Staff: 10,085
ATM: 1,598
POS:114,643
12
APPENDIX
13
Summary Balance Sheet
14
Source: TEB BRSA Bank only Financials
Summary Income Statement
15
Source: TEB BRSA Bank only Financials
Ratings of TEB
16
A Major Player of the Turkish Financial Services Market
BNPP Cardif
Insurance
 A major global player for
personal insurance
 Turkish operations fully owned
by BNP ParibasCardif (S&P AA
rated),100% subsidiary of BNP
Paribas
 %3 market share in Turkey in
protection insurance & pension
TEB N.V.
TEB Kosovo
 Operative since January 2008,
with 25 branches, as of 1Q
2014
 Loans: €290M
 Deposits: € 311M
TEB
 “Turkish specialist” in the EU
market, total asset size is EUR
582 mio as of 1Q 2014
TEB Asset
Management
 9th largest asset management
company with 4.0% market
share as of 1Q 2014
TEB Factoring
 9% market share as of 4Q 2013
TEB Investment
 5th largest brokerage &
investment house of Turkey
with 4.0% market share as of
1Q 2014
Full range of banking
services
TEB Cetelem
 Consumer finance company in
Turkey with 5.7%market share
as of 1Q 2014
BNPP Leasing
 6th largest leasing company in
Turkey with 7.2% market share
as of 4Q 2013
TEB Arval
 Operative since October 2007,
5,3% market share as of 1Q
2014
17
Disclaimer
The information and opinions obtained in this document have been compiled or
arrived at by TEB from sources believed to be reliable, but no representation or
warranty is made as to their accuracy, completeness or correctness. All opinions
and estimates contained in this document constitute TEB’s judgement as of the
date of this document and are subject to change without notice. This document is
published for the assistance of the recipients, but is not to be relied upon as
authoritative or taken in subtitution for the exercise of judgement by any recipient.
TEB does not accept any liability for any direct or consequential loss arising from
any use of this document or its contents. This document is strictly confidential and
may not be reproduced, distributed or published for any purpose.
18

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