| INCOME STATEMENT OF BANKING SECTOR | |||||||||||||
| Currency: Thsd TL | |||||||||||||
| YEAR 2021 | JANUARY | FEBRUARY | MARCH | APRIL | MAY | JUNE | JULY | AUGUST | SEPTEMBER | OCTOBER | NOVEMBER | DECEMBER | |
| INTEREST INCOME : | |||||||||||||
| 1- | Interest from Loans | 270.356 | 520.253 | 825.315 | 1.107.057 | 1.410.882 | 1.699.008 | 1.995.339 | 2.293.000 | 2.603.410 | 2.934.489 | 3.387.204 | 3.749.618 |
| 2- | Interest from Non-performing Loans | 3.113 | 4.282 | 8.107 | 12.541 | 17.558 | 22.567 | 27.151 | 31.255 | 41.806 | 38.906 | 43.125 | 47.601 |
| 3- | Interest from Banks | 68.523 | 139.308 | 218.558 | 305.940 | 396.997 | 488.227 | 579.594 | 671.243 | 764.257 | 855.583 | 945.006 | 1.029.121 |
| 4- | Interest from Interbank Money Market | 15.286 | 28.169 | 42.671 | 57.967 | 70.875 | 82.343 | 95.016 | 109.142 | 124.709 | 141.766 | 157.767 | 174.106 |
| 5- | Interest from TRNC Development Bank Bonds/Bills | 1.551 | 2.765 | 5.566 | 5.990 | 8.118 | 10.067 | 13.265 | 14.112 | 18.744 | 20.233 | 22.926 | 24.147 |
| 6- | Interest from other securities | 7.297 | 15.606 | 26.917 | 37.664 | 48.504 | 61.600 | 74.353 | 88.677 | 99.973 | 115.168 | 133.887 | 152.181 |
| 7- | Interest from Reverse Repo Transactions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8- | Other Interest and Quisi-Interest and Revenue | 5.704 | 8.020 | 16.415 | 22.352 | 28.654 | 34.831 | 41.051 | 48.390 | 54.909 | 61.638 | 67.469 | 94.945 |
| 9- | Total Interest Income (1+...+8) | 371.830 | 718.403 | 1.143.549 | 1.549.511 | 1.981.588 | 2.398.643 | 2.825.769 | 3.255.819 | 3.707.808 | 4.167.783 | 4.757.384 | 5.271.719 |
| INTEREST EXPENSES | |||||||||||||
| 10- | Interest to Deposits | 168.786 | 328.033 | 527.219 | 719.662 | 932.061 | 1.138.086 | 1.353.023 | 1.567.609 | 1.771.086 | 2.015.064 | 2.256.648 | 2.474.537 |
| 11- | Interest to Banks | 33.741 | 63.119 | 95.866 | 127.864 | 157.071 | 185.712 | 215.747 | 245.086 | 275.218 | 307.326 | 342.316 | 379.540 |
| 12- | Interest to Interbank Money Market | 243 | 310 | 333 | 355 | 373 | 467 | 887 | 1.472 | 1.927 | 2.288 | 2.634 | 3.510 |
| 13- | Interest to Issued Securities | 106 | 106 | 106 | 106 | 106 | 106 | 106 | 106 | 106 | 106 | 106 | 108 |
| 14- | Interest to Repo Transactions | 66 | 129 | 214 | 314 | 422 | 494 | 565 | 632 | 694 | 757 | 813 | 869 |
| 15- | Other Interest and Quasi-Interest Expenses | 1.049 | 1.682 | 2.253 | 2.450 | 2.620 | 2.894 | 3.018 | 3.223 | 3.412 | 4.456 | 5.028 | 5.482 |
| 16- | Total Interest Expenses (10+...+15) | 203.991 | 393.379 | 625.991 | 850.751 | 1.092.653 | 1.327.759 | 1.573.346 | 1.818.128 | 2.052.443 | 2.329.997 | 2.607.545 | 2.864.046 |
| 17- | Net Interest Income (Expense) (9-16) | 167.839 | 325.024 | 517.558 | 698.760 | 888.935 | 1.070.884 | 1.252.423 | 1.437.691 | 1.655.365 | 1.837.786 | 2.149.839 | 2.407.673 |
| 18- | Special Provisions for Non performing Loans | 2.533 | 3.637 | 7.452 | 10.288 | 15.965 | 27.077 | 35.640 | 61.152 | 71.328 | 86.835 | 100.634 | 170.340 |
| 19- | General Provisions on Loans | 3.579 | 8.102 | 20.506 | 27.203 | 36.095 | 43.052 | 47.301 | 51.007 | 60.665 | 75.395 | 111.103 | 128.738 |
| 20- | Net Interest Income (Expense) After Provisions [(17-(18+19)] | 161.727 | 313.285 | 489.600 | 661.269 | 836.875 | 1.000.755 | 1.169.482 | 1.325.532 | 1.523.372 | 1.675.556 | 1.938.102 | 2.108.595 |
| NON-INTEREST INCOME | |||||||||||||
| 21- | Fees and Commissions from Loans | 8.035 | 12.681 | 23.809 | 32.005 | 40.509 | 52.658 | 62.663 | 72.591 | 85.077 | 96.723 | 108.917 | 130.592 |
| 22- | Profit Share from subsidiaries & afliliates | 0 | 0 | 0 | 0 | 0 | 1.470 | 1.470 | 1.470 | 6.666 | 10.126 | 10.126 | 14.822 |
| 23- | Revenues from Banking Activities | 33.850 | 59.197 | 93.724 | 130.114 | 167.371 | 212.937 | 264.565 | 313.903 | 365.115 | 420.548 | 477.913 | 550.445 |
| 24- | Income from Sale of Assets | 58 | 77 | 79 | 1.537 | 1.538 | 2.376 | 2.382 | 2.430 | 2.537 | 2.710 | 4.279 | 4.300 |
| 25- | Other Non Interest (Other) Income | 14.068 | 20.253 | 38.756 | 49.686 | 57.500 | 80.820 | 92.810 | 124.839 | 139.563 | 154.219 | 165.923 | 193.878 |
| 26- | Total Non Interest (Other) Income ( 21+….+25) | 56.011 | 92.208 | 156.368 | 213.342 | 266.918 | 350.261 | 423.890 | 515.233 | 598.958 | 684.326 | 767.158 | 894.037 |
| INTEREST EXPENSES | |||||||||||||
| 27- | Personnel Expenses | 42.989 | 85.881 | 128.931 | 179.851 | 224.431 | 270.164 | 316.400 | 363.332 | 409.427 | 455.468 | 501.534 | 573.718 |
| 28- | Provision for Termination Indemnities | 0 | 0 | 103 | 103 | 103 | 103 | 103 | 103 | 103 | 141 | 141 | 141 |
| 29- | Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment | 0 | 989 | 1.334 | 1.113 | 930 | 732 | 490 | 1.462 | 2.179 | 1.973 | 2.177 | 1.864 |
| 30- | Other Provisions | 4.618 | 4.558 | 7.631 | 7.137 | 7.782 | 5.936 | 6.591 | 7.022 | 9.794 | 11.973 | 24.326 | 11.909 |
| 31- | Fees and Commissions Paid | 8.391 | 15.228 | 25.092 | 35.337 | 46.594 | 59.835 | 73.957 | 88.309 | 105.491 | 122.908 | 141.891 | 186.955 |
| 32- | Depreciation | 3.530 | 6.957 | 10.437 | 13.983 | 17.752 | 21.849 | 26.280 | 30.279 | 34.502 | 39.546 | 44.117 | 44.907 |
| 33- | Taxes, Duties, Charges and Funds | 998 | 1.633 | 2.394 | 3.300 | 4.134 | 5.376 | 6.050 | 6.743 | 7.642 | 10.503 | 11.701 | 12.982 |
| 34- | Other Non Interest (Other) Expenses | 39.907 | 75.522 | 119.664 | 163.748 | 207.628 | 254.011 | 298.167 | 342.232 | 391.374 | 440.547 | 501.522 | 578.993 |
| 35- | Total Non Interest (Other) Expenses (27+…+34) | 100.433 | 190.768 | 295.586 | 404.572 | 509.354 | 618.006 | 728.038 | 839.482 | 960.512 | 1.083.059 | 1.227.409 | 1.411.469 |
| OTHER NON-INTEREST INCOME (EXPENSE) | |||||||||||||
| 36 | Capital Market Transactions Profits (Losses) (Net) | 3.021 | 4.461 | 6.242 | 6.696 | 7.228 | 9.441 | 9.915 | 10.601 | 11.523 | 13.316 | 14.709 | 15.571 |
| 37 | Foreign Currency Gains (Losses) (Net) | 12.410 | 280 | 27.800 | 32.713 | 23.811 | 69.895 | 71.285 | 103.048 | 141.035 | 126.757 | 137.967 | 208.021 |
| 38 | Extraordinary Income (Expense) (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 39- | Total Other Non Interest (Other) Income (Expense) (36+…38) | 15.431 | 4.741 | 34.042 | 39.409 | 31.039 | 79.336 | 81.200 | 113.649 | 152.558 | 140.073 | 152.676 | 223.592 |
| 40- | Profit (Loss) Before Tax [(20+26+39)-35] | 132.736 | 219.466 | 384.424 | 509.448 | 625.478 | 812.346 | 946.534 | 1.114.932 | 1.314.376 | 1.416.896 | 1.630.527 | 1.814.755 |
| 41- | Provision for Taxes | 27.759 | 47.884 | 82.717 | 107.690 | 135.871 | 172.691 | 201.367 | 236.599 | 275.678 | 300.611 | 344.458 | 378.433 |
| 42- | Net Income (Losses) (40-41) | 104.977 | 171.582 | 301.707 | 401.758 | 489.607 | 639.655 | 745.167 | 878.333 | 1.038.698 | 1.116.285 | 1.286.069 | 1.436.322 |