| INCOME STATEMENT OF BANKING SECTOR | |||||||||||||
| Currency: Thsd TL | |||||||||||||
| YEAR 2019 | JANUARY | FEBRUARY | MARCH | APRIL | MAY | JUNE | JULY | AUGUST | SEPTEMBER | OCTOBER | NOVEMBER | DECEMBER | |
| INTEREST INCOME : | |||||||||||||
| 1- | Interest from Loans | 222.237 | 427.002 | 655.338 | 884.692 | 1.117.278 | 1.343.653 | 1.574.240 | 1.808.141 | 2.012.262 | 2.215.371 | 2.425.388 | 2.603.364 |
| 2- | Interest from Non-performing Loans | 1.636 | 2.835 | 5.730 | 10.575 | 12.046 | 13.144 | 15.623 | 17.157 | 18.995 | 22.515 | 25.653 | 30.619 |
| 3- | Interest from Banks | 80.936 | 144.381 | 213.732 | 286.293 | 365.749 | 446.197 | 528.291 | 600.380 | 666.216 | 731.541 | 790.480 | 856.105 |
| 4- | Interest from Interbank Money Market | 11.022 | 21.019 | 32.367 | 41.295 | 50.829 | 60.736 | 72.849 | 84.085 | 94.192 | 103.052 | 110.612 | 117.622 |
| 5- | Interest from TRNC Development Bank Bonds/Bills | 3.041 | 4.982 | 7.318 | 9.748 | 12.431 | 15.118 | 16.327 | 18.313 | 22.014 | 24.872 | 26.090 | 30.135 |
| 6- | Interest from other securities | 12.503 | 27.191 | 43.489 | 58.490 | 72.433 | 87.955 | 104.224 | 117.358 | 126.690 | 136.728 | 143.349 | 148.643 |
| 7- | Interest from Reverse Repo Transactions | 0 | 68 | 110 | 238 | 238 | 238 | 238 | 238 | 238 | 238 | 238 | 238 |
| 8- | Other Interest and Quisi-Interest and Revenue | 8.522 | 16.147 | 24.500 | 32.680 | 41.133 | 49.351 | 57.669 | 63.852 | 68.990 | 73.182 | 75.908 | 75.869 |
| 9- | Total Interest Income (1+...+8) | 339.897 | 643.625 | 982.584 | 1.324.011 | 1.672.137 | 2.016.392 | 2.369.461 | 2.709.524 | 3.009.597 | 3.307.499 | 3.597.718 | 3.862.595 |
| INTEREST EXPENSES | |||||||||||||
| 10- | Interest to Deposits | 185.188 | 350.961 | 544.006 | 729.165 | 925.295 | 1.115.058 | 1.311.249 | 1.508.085 | 1.683.790 | 1.856.443 | 2.007.221 | 2.159.479 |
| 11- | Interest to Banks | 21.666 | 41.091 | 62.728 | 85.351 | 108.063 | 131.007 | 153.548 | 175.593 | 196.691 | 219.220 | 241.233 | 263.982 |
| 12- | Interest to Interbank Money Market | 872 | 1.914 | 2.608 | 3.243 | 4.331 | 5.294 | 6.125 | 6.823 | 7.053 | 7.136 | 7.205 | 7.228 |
| 13- | Interest to Issued Securities | 144 | 278 | 428 | 580 | 719 | 817 | 818 | 840 | 854 | 863 | 863 | 863 |
| 14- | Interest to Repo Transactions | 2 | 4 | 5 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
| 15- | Other Interest and Quasi-Interest Expenses | 591 | 1.222 | 2.114 | 3.361 | 3.210 | 3.816 | 4.314 | 4.832 | 5.293 | 5.716 | 6.096 | 6.433 |
| 16- | Total Interest Expenses (10+...+15) | 208.463 | 395.470 | 611.889 | 821.706 | 1.041.624 | 1.255.998 | 1.476.060 | 1.696.179 | 1.893.687 | 2.089.384 | 2.262.624 | 2.437.991 |
| 17- | Net Interest Income (Expense) (9-16) | 131.434 | 248.155 | 370.695 | 502.305 | 630.513 | 760.394 | 893.401 | 1.013.345 | 1.115.910 | 1.218.115 | 1.335.094 | 1.424.604 |
| 18- | Special Provisions for Non performing Loans | 3.433 | 9.288 | 36.078 | 47.178 | 53.267 | 54.620 | 60.997 | 65.382 | 74.719 | 77.732 | 82.407 | 154.503 |
| 19- | General Provisions on Loans | 3.788 | 8.361 | 16.323 | 24.232 | 27.962 | 33.203 | 34.078 | 38.679 | 45.517 | 53.012 | 55.960 | 63.263 |
| 20- | Net Interest Income (Expense) After Provisions [(17-(18+19)] | 124.213 | 230.506 | 318.294 | 430.895 | 549.284 | 672.571 | 798.326 | 909.284 | 995.674 | 1.087.371 | 1.196.727 | 1.206.838 |
| NON-INTEREST INCOME | |||||||||||||
| 21- | Fees and Commissions from Loans | 9.625 | 17.571 | 26.205 | 35.116 | 45.816 | 53.205 | 62.085 | 69.010 | 78.922 | 90.049 | 99.030 | 114.498 |
| 22- | Profit Share from subsidiaries & afliliates | 0 | 0 | 1.535 | 1.535 | 1.535 | 2.896 | 2.896 | 3.251 | 3.251 | 3.696 | 3.696 | 3.802 |
| 23- | Revenues from Banking Activities | 30.719 | 57.107 | 87.384 | 118.769 | 150.706 | 183.634 | 219.649 | 251.898 | 286.443 | 321.066 | 352.167 | 393.232 |
| 24- | Income from Sale of Assets | 809 | 822 | 855 | 877 | 1.091 | 1.921 | 1.925 | 1.928 | 1.959 | 2.055 | 2.500 | 3.113 |
| 25- | Other Non Interest (Other) Income | 13.288 | 19.346 | 45.048 | 58.887 | 69.084 | 78.866 | 89.739 | 97.754 | 110.553 | 123.302 | 136.335 | 159.625 |
| 26- | Total Non Interest (Other) Income ( 21+….+25) | 54.441 | 94.846 | 161.027 | 215.184 | 268.232 | 320.522 | 376.294 | 423.841 | 481.128 | 540.168 | 593.728 | 674.270 |
| INTEREST EXPENSES | |||||||||||||
| 27- | Personnel Expenses | 31.084 | 65.322 | 99.618 | 140.452 | 176.214 | 210.017 | 246.912 | 283.640 | 319.491 | 355.822 | 392.088 | 443.489 |
| 28- | Provision for Termination Indemnities | 259 | 280 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 29- | Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.820 |
| 30- | Other Provisions | 594 | 1.242 | 2.247 | 2.798 | 2.469 | 3.061 | 2.576 | 2.945 | 4.197 | 4.573 | 8.415 | 4.534 |
| 31- | Fees and Commissions Paid | 9.740 | 19.066 | 30.158 | 41.202 | 52.634 | 63.341 | 75.836 | 86.929 | 101.679 | 113.690 | 120.155 | 132.872 |
| 32- | Depreciation | 2.657 | 5.486 | 8.251 | 11.136 | 13.830 | 16.725 | 19.581 | 22.821 | 25.892 | 28.782 | 32.318 | 35.379 |
| 33- | Taxes, Duties, Charges and Funds | 775 | 1.349 | 2.085 | 2.732 | 3.258 | 3.845 | 4.520 | 5.051 | 5.731 | 7.874 | 8.777 | 9.537 |
| 34- | Other Non Interest (Other) Expenses | 30.910 | 58.670 | 88.106 | 120.800 | 152.186 | 183.427 | 217.893 | 247.375 | 277.763 | 315.660 | 353.962 | 428.418 |
| 35- | Total Non Interest (Other) Expenses (27+…+34) | 76.019 | 151.415 | 230.465 | 319.120 | 400.591 | 480.416 | 567.318 | 648.761 | 734.753 | 826.401 | 915.715 | 1.057.049 |
| OTHER NON-INTEREST INCOME (EXPENSE) | |||||||||||||
| 36 | Capital Market Transactions Profits (Losses) (Net) | 264 | 475 | -111 | 182 | 368 | 1.101 | 1.995 | 2.058 | 2.377 | 2.409 | 2.956 | 2.969 |
| 37 | Foreign Currency Gains (Losses) (Net) | 2.788 | 17.096 | 47.253 | 95.146 | 123.491 | 133.788 | 166.400 | 189.618 | 194.612 | 193.894 | 209.962 | 219.307 |
| 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) | 3.052 | 17.571 | 47.142 | 95.328 | 123.859 | 134.889 | 168.395 | 191.676 | 196.989 | 196.303 | 212.918 | 222.276 |
| 40- | Profit (Loss) Before Tax [(20+26+39)-35] | 105.687 | 191.508 | 295.998 | 422.287 | 540.784 | 647.566 | 775.697 | 876.040 | 939.038 | 997.441 | 1.087.658 | 1.046.335 |
| 41- | Provision for Taxes | 23.003 | 38.233 | 60.103 | 83.059 | 106.599 | 129.431 | 152.708 | 173.911 | 189.881 | 210.762 | 232.550 | 237.395 |
| 42- | Net Income (Losses) (40-41) | 82.686 | 153.275 | 235.895 | 339.229 | 434.185 | 518.137 | 622.989 | 702.131 | 749.159 | 786.681 | 855.106 | 808.940 |