| INCOME STATEMENT OF BANKING SECTOR | |||||||||||||
| Currency: Thsd TL | |||||||||||||
| YEAR 2022 | JANUARY | FEBRUARY | MARCH | APRIL | MAY | JUNE | JULY | AUGUST | SEPTEMBER | OCTOBER | NOVEMBER | DECEMBER | |
| INTEREST INCOME : | |||||||||||||
| 1- | Interest from Loans | 396.355 | 763.396 | 1.158.488 | 1.573.593 | 2.039.970 | 2.483.964 | 2.987.163 | 3.474.187 | 3.952.990 | 4.487.687 | 5.072.884 | 5.565.896 |
| 2- | Interest from Non-performing Loans | 4.693 | 9.549 | 23.500 | 52.620 | 71.184 | 81.471 | 93.122 | 101.296 | 111.633 | 138.415 | 160.933 | 182.825 |
| 3- | Interest from Banks | 79.769 | 153.641 | 235.533 | 314.742 | 397.928 | 481.550 | 583.271 | 694.477 | 797.481 | 912.999 | 1.050.507 | 1.215.659 |
| 4- | Interest from Interbank Money Market | 25.281 | 45.382 | 64.424 | 84.297 | 101.779 | 117.306 | 138.856 | 165.149 | 193.048 | 228.931 | 273.747 | 313.814 |
| 5- | Interest from TRNC Development Bank Bonds/Bills | 2.135 | 4.147 | 6.367 | 9.026 | 11.457 | 13.791 | 16.617 | 20.171 | 23.159 | 26.054 | 28.998 | 30.991 |
| 6- | Interest from other securities | 18.334 | 33.590 | 57.494 | 81.135 | 108.315 | 133.131 | 168.084 | 199.002 | 232.361 | 267.503 | 303.892 | 348.476 |
| 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 | 5.197 | 10.900 | 16.283 | 21.323 | 26.904 | 32.485 | 39.276 | 46.187 | 54.031 | 61.886 | 69.993 | 80.580 |
| 9- | Total Interest Income (1+...+8) | 531.764 | 1.020.605 | 1.562.089 | 2.136.736 | 2.757.537 | 3.343.698 | 4.026.389 | 4.700.469 | 5.364.703 | 6.123.475 | 6.960.954 | 7.738.241 |
| INTEREST EXPENSES | |||||||||||||
| 10- | Interest to Deposits | 225.462 | 435.564 | 677.724 | 909.107 | 1.160.812 | 1.397.504 | 1.655.657 | 1.917.433 | 2.169.589 | 2.448.158 | 2.724.468 | 3.021.246 |
| 11- | Interest to Banks | 40.732 | 75.445 | 116.554 | 157.668 | 200.738 | 242.332 | 289.390 | 337.455 | 387.471 | 447.449 | 514.691 | 585.667 |
| 12- | Interest to Interbank Money Market | 1.843 | 3.561 | 5.317 | 6.952 | 7.752 | 8.367 | 10.157 | 12.269 | 13.185 | 14.127 | 15.083 | 17.889 |
| 13- | Interest to Issued Securities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 14- | Interest to Repo Transactions | 57 | 111 | 177 | 418 | 669 | 913 | 1.124 | 1.158 | 1.158 | 1.158 | 1.158 | 1.158 |
| 15- | Other Interest and Quasi-Interest Expenses | 994 | 1.577 | 2.151 | 2.692 | 3.217 | 3.574 | 4.009 | 4.358 | 5.297 | 5.508 | 6.611 | 6.483 |
| 16- | Total Interest Expenses (10+...+15) | 269.088 | 516.258 | 801.923 | 1.076.837 | 1.373.188 | 1.652.690 | 1.960.337 | 2.272.673 | 2.576.700 | 2.916.400 | 3.262.011 | 3.632.443 |
| 17- | Net Interest Income (Expense) (9-16) | 262.676 | 504.347 | 760.166 | 1.059.899 | 1.384.349 | 1.691.008 | 2.066.052 | 2.427.796 | 2.788.003 | 3.207.075 | 3.698.943 | 4.105.798 |
| 18- | Special Provisions for Non performing Loans | 4.185 | 17.607 | 50.842 | 63.890 | 73.881 | 93.861 | 143.784 | 170.537 | 223.585 | 243.469 | 340.831 | 479.024 |
| 19- | General Provisions on Loans | 9.570 | 22.261 | 40.973 | 51.210 | 79.240 | 94.401 | 111.877 | 125.103 | 132.137 | 155.590 | 180.993 | 201.171 |
| 20- | Net Interest Income (Expense) After Provisions [(17-(18+19)] | 248.921 | 464.479 | 668.351 | 944.799 | 1.231.228 | 1.502.746 | 1.810.391 | 2.132.156 | 2.432.281 | 2.808.016 | 3.177.119 | 3.425.603 |
| NON-INTEREST INCOME | |||||||||||||
| 21- | Fees and Commissions from Loans | 12.979 | 25.769 | 47.954 | 64.992 | 82.246 | 108.664 | 125.439 | 148.512 | 177.216 | 241.329 | 280.268 | 338.410 |
| 22- | Profit Share from subsidiaries & afliliates | 0 | 0 | 51 | 1.967 | 1.967 | 2.861 | 2.881 | 7.081 | 7.081 | 7.081 | 7.081 | 7.552 |
| 23- | Revenues from Banking Activities | 68.754 | 131.536 | 210.093 | 293.574 | 378.683 | 479.901 | 581.823 | 693.122 | 803.949 | 923.259 | 1.039.001 | 1.185.662 |
| 24- | Income from Sale of Assets | 542 | 2.500 | 2.690 | 5.064 | 5.423 | 5.420 | 5.687 | 12.425 | 12.873 | 14.266 | 14.364 | 15.095 |
| 25- | Other Non Interest (Other) Income | 21.279 | 36.989 | 82.193 | 99.397 | 122.108 | 147.547 | 194.277 | 212.900 | 235.662 | 287.414 | 315.433 | 376.427 |
| 26- | Total Non Interest (Other) Income ( 21+….+25) | 103.554 | 196.794 | 342.981 | 464.994 | 590.427 | 744.393 | 910.107 | 1.074.040 | 1.236.781 | 1.473.349 | 1.656.147 | 1.923.146 |
| INTEREST EXPENSES | |||||||||||||
| 27- | Personnel Expenses | 63.393 | 128.796 | 193.067 | 274.381 | 338.377 | 414.939 | 509.735 | 607.031 | 703.943 | 803.439 | 902.486 | 1.052.519 |
| 28- | Provision for Termination Indemnities | 0 | 48 | 48 | 48 | 48 | 48 | 143 | 143 | 143 | 143 | 210 | 210 |
| 29- | Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment | 1.528 | 89 | 2.460 | 1.994 | 1.640 | 1.119 | 553 | 204 | 6.243 | 4.491 | 2.583 | 1.972 |
| 30- | Other Provisions | 11.503 | 13.199 | 17.370 | 16.706 | 18.166 | 17.314 | 17.739 | 18.803 | 18.115 | 28.324 | 29.435 | 8.326 |
| 31- | Fees and Commissions Paid | 19.560 | 37.999 | 64.251 | 87.867 | 116.896 | 149.825 | 181.770 | 218.273 | 259.509 | 331.340 | 375.178 | 429.148 |
| 32- | Depreciation | 4.007 | 7.995 | 12.096 | 16.308 | 21.105 | 25.613 | 30.993 | 36.346 | 41.502 | 46.766 | 52.748 | 59.685 |
| 33- | Taxes, Duties, Charges and Funds | 1.399 | 2.789 | 3.746 | 4.984 | 5.953 | 7.661 | 8.835 | 10.441 | 12.489 | 17.750 | 19.828 | 23.592 |
| 34- | Other Non Interest (Other) Expenses | 63.117 | 122.159 | 191.101 | 266.188 | 355.554 | 434.588 | 522.305 | 611.605 | 704.386 | 800.984 | 894.650 | 1.089.544 |
| 35- | Total Non Interest (Other) Expenses (27+…+34) | 164.507 | 313.074 | 484.139 | 668.476 | 857.739 | 1.051.107 | 1.272.073 | 1.502.846 | 1.746.330 | 2.033.237 | 2.277.118 | 2.664.996 |
| OTHER NON-INTEREST INCOME (EXPENSE) | |||||||||||||
| 36 | Capital Market Transactions Profits (Losses) (Net) | 2.518 | 2.126 | 4.782 | 6.554 | 7.877 | 8.604 | 9.519 | 11.430 | 12.541 | 13.833 | 15.631 | 22.795 |
| 37 | Foreign Currency Gains (Losses) (Net) | 27.915 | 55.808 | 137.363 | 269.703 | 333.822 | 442.923 | 509.620 | 647.340 | 807.558 | 784.403 | 740.160 | 765.571 |
| 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) | 30.433 | 57.934 | 142.145 | 276.257 | 341.699 | 451.527 | 519.139 | 658.770 | 820.099 | 798.236 | 755.791 | 788.366 |
| 40- | Profit (Loss) Before Tax [(20+26+39)-35] | 218.401 | 406.133 | 669.338 | 1.017.574 | 1.305.615 | 1.647.559 | 1.967.564 | 2.362.120 | 2.742.831 | 3.046.364 | 3.311.939 | 3.472.119 |
| 41- | Provision for Taxes | 46.601 | 85.449 | 136.414 | 202.917 | 269.192 | 335.889 | 396.875 | 475.494 | 550.264 | 629.929 | 702.145 | 768.801 |
| 42- | Net Income (Losses) (40-41) | 171.800 | 320.684 | 532.924 | 814.657 | 1.036.423 | 1.311.670 | 1.570.689 | 1.886.626 | 2.192.567 | 2.416.435 | 2.609.794 | 2.703.318 |