| INCOME STATEMENT OF BANKING SECTOR | |||||||||||||
| Currency: Thsd TL | |||||||||||||
| YEAR 2023 | JANUARY | FEBRUARY | MARCH | APRIL | MAY | JUNE | JULY | AUGUST | SEPTEMBER | OCTOBER | NOVEMBER | DECEMBER | |
| INTEREST INCOME : | |||||||||||||
| 1- | Interest from Loans | 587.974 | 1.139.975 | 1.785.043 | 2.424.606 | 3.165.273 | 4.059.190 | 4.961.974 | 5.915.120 | 6.898.418 | 8.032.939 | 9.132.357 | 10.358.609 |
| 2- | Interest from Non-performing Loans | 12.941 | 35.972 | 49.148 | 84.009 | 140.681 | 191.654 | 223.330 | 333.276 | 340.444 | 384.916 | 394.398 | 410.385 |
| 3- | Interest from Banks | 163.003 | 319.238 | 502.605 | 692.176 | 891.631 | 1.133.829 | 1.423.355 | 1.705.365 | 2.035.610 | 2.439.214 | 2.860.868 | 3.353.970 |
| 4- | Interest from Interbank Money Market | 43.513 | 80.047 | 121.616 | 161.029 | 205.264 | 270.076 | 370.801 | 488.090 | 608.402 | 768.030 | 984.064 | 1.299.041 |
| 5- | Interest from TRNC Development Bank Bonds/Bills | 3.156 | 5.795 | 8.797 | 13.682 | 21.591 | 27.769 | 37.147 | 48.853 | 61.215 | 78.175 | 96.992 | 59.050 |
| 6- | Interest from other securities | 46.987 | 91.409 | 151.730 | 209.248 | 288.192 | 422.371 | 544.065 | 650.327 | 763.563 | 891.897 | 1.033.324 | 1.238.338 |
| 7- | Interest from Reverse Repo Transactions | 0 | 0 | 0 | 0 | 0 | 155 | 339 | 339 | 339 | 339 | 339 | 339 |
| 8- | Other Interest and Quisi-Interest and Revenue | 10.043 | 18.859 | 29.196 | 39.802 | 51.456 | 66.477 | 81.076 | 99.798 | 117.110 | 134.102 | 153.652 | 193.932 |
| 9- | Total Interest Income (1+...+8) | 867.617 | 1.691.295 | 2.648.135 | 3.624.552 | 4.764.088 | 6.171.521 | 7.642.087 | 9.241.168 | 10.825.101 | 12.729.612 | 14.655.994 | 16.913.664 |
| INTEREST EXPENSES | |||||||||||||
| 10- | Interest to Deposits | 313.602 | 591.443 | 905.086 | 1.211.181 | 1.533.950 | 1.940.841 | 2.393.658 | 2.845.165 | 3.322.222 | 3.897.693 | 4.527.259 | 5.258.481 |
| 11- | Interest to Banks | 68.415 | 137.629 | 211.773 | 296.911 | 413.322 | 521.365 | 680.865 | 854.978 | 1.053.696 | 1.253.925 | 1.470.338 | 1.710.473 |
| 12- | Interest to Interbank Money Market | 2.970 | 6.050 | 12.838 | 19.253 | 34.170 | 51.682 | 60.571 | 65.669 | 67.945 | 69.526 | 70.674 | 72.242 |
| 13- | Interest to Issued Securities | 0 | 0 | 0 | 0 | 207 | 387 | 386 | 387 | 387 | 387 | 387 | 387 |
| 14- | Interest to Repo Transactions | 0 | 10 | 10 | 48 | 407 | 1.116 | 1.783 | 2.432 | 3.011 | 3.626 | 4.116 | 4.629 |
| 15- | Other Interest and Quasi-Interest Expenses | 3.407 | 4.119 | 4.523 | 4.851 | 7.025 | 5.383 | 5.689 | 5.974 | 6.256 | 6.564 | 6.290 | 8.233 |
| 16- | Total Interest Expenses (10+...+15) | 388.394 | 739.251 | 1.134.230 | 1.532.244 | 1.989.081 | 2.520.774 | 3.142.952 | 3.774.605 | 4.453.517 | 5.231.721 | 6.079.064 | 7.054.445 |
| 17- | Net Interest Income (Expense) (9-16) | 479.223 | 952.044 | 1.513.905 | 2.092.308 | 2.775.007 | 3.650.747 | 4.499.135 | 5.466.563 | 6.371.584 | 7.497.891 | 8.576.930 | 9.859.219 |
| 18- | Special Provisions for Non performing Loans | 26.419 | 46.954 | 74.286 | 129.393 | 201.223 | 303.801 | 327.154 | 339.015 | 383.262 | 504.031 | 686.352 | 898.511 |
| 19- | General Provisions on Loans | 15.989 | 37.577 | 72.197 | 115.484 | 145.889 | 231.543 | 265.781 | 284.871 | 308.030 | 346.082 | 400.686 | 443.552 |
| 20- | Net Interest Income (Expense) After Provisions [(17-(18+19)] | 436.815 | 867.513 | 1.367.422 | 1.847.431 | 2.427.895 | 3.115.403 | 3.906.200 | 4.842.677 | 5.680.292 | 6.647.778 | 7.489.892 | 8.517.156 |
| NON-INTEREST INCOME | |||||||||||||
| 21- | Fees and Commissions from Loans | 30.280 | 61.707 | 105.564 | 145.866 | 195.854 | 254.588 | 307.594 | 358.217 | 414.734 | 610.092 | 682.466 | 957.456 |
| 22- | Profit Share from subsidiaries & afliliates | 0 | 3.269 | 3.269 | 3.269 | 8.492 | 8.558 | 8.609 | 8.609 | 8.609 | 8.609 | 8.609 | 16.890 |
| 23- | Revenues from Banking Activities | 134.755 | 260.918 | 413.743 | 580.259 | 748.056 | 915.600 | 1.149.939 | 1.389.588 | 1.697.001 | 2.050.904 | 2.420.485 | 2.822.870 |
| 24- | Income from Sale of Assets | 1.792 | 11.210 | 21.485 | 25.138 | 36.615 | 37.094 | 75.410 | 75.910 | 96.067 | 103.200 | 104.361 | 114.568 |
| 25- | Other Non Interest (Other) Income | 44.266 | 286.936 | 320.567 | 360.532 | 417.008 | 460.028 | 502.563 | 544.949 | 592.531 | 641.082 | 689.865 | 773.200 |
| 26- | Total Non Interest (Other) Income ( 21+….+25) | 211.093 | 624.040 | 864.628 | 1.115.064 | 1.406.025 | 1.675.868 | 2.044.115 | 2.377.273 | 2.808.942 | 3.413.887 | 3.905.786 | 4.684.984 |
| INTEREST EXPENSES | |||||||||||||
| 27- | Personnel Expenses | 136.032 | 281.128 | 424.312 | 607.919 | 749.726 | 899.382 | 1.091.282 | 1.290.540 | 1.481.253 | 1.680.714 | 1.882.200 | 2.168.240 |
| 28- | Provision for Termination Indemnities | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 388 | 388 | 388 |
| 29- | Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment | 690 | 376 | 1.885 | 1.472 | 1.724 | 864 | 3.093 | 2.458 | 2.789 | 2.282 | 1.706 | 1.065 |
| 30- | Other Provisions | 16.754 | 20.498 | 23.595 | 24.884 | 26.962 | 29.160 | 41.577 | 48.218 | 64.150 | 66.495 | 47.970 | 12.353 |
| 31- | Fees and Commissions Paid | 36.668 | 67.575 | 110.830 | 150.912 | 201.023 | 261.118 | 335.247 | 417.549 | 514.968 | 776.628 | 915.967 | 1.249.134 |
| 32- | Depreciation | 5.994 | 12.409 | 19.424 | 26.444 | 34.873 | 43.258 | 54.501 | 65.761 | 77.860 | 88.673 | 100.038 | 133.867 |
| 33- | Taxes, Duties, Charges and Funds | 2.517 | 4.251 | 6.902 | 10.623 | 26.674 | 29.749 | 35.683 | 38.231 | 42.129 | 58.702 | 61.997 | 75.058 |
| 34- | Other Non Interest (Other) Expenses | 115.453 | 236.201 | 361.737 | 480.761 | 629.898 | 782.554 | 957.776 | 1.114.951 | 1.280.128 | 1.532.223 | 1.764.051 | 2.133.668 |
| 35- | Total Non Interest (Other) Expenses (27+…+34) | 314.148 | 622.478 | 948.725 | 1.303.055 | 1.670.920 | 2.046.125 | 2.519.199 | 2.977.748 | 3.463.317 | 4.206.105 | 4.774.317 | 5.773.773 |
| OTHER NON-INTEREST INCOME (EXPENSE) | |||||||||||||
| 36 | Capital Market Transactions Profits (Losses) (Net) | 15.518 | 22.380 | 31.842 | 39.009 | 48.751 | 53.397 | 58.797 | 62.414 | 73.498 | 81.697 | 107.386 | 156.094 |
| 37 | Foreign Currency Gains (Losses) (Net) | -1.189 | 91.936 | 103.050 | 224.219 | 525.785 | 672.696 | 739.909 | 900.514 | 1.139.553 | 1.307.938 | 1.269.411 | 1.362.818 |
| 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) | 14.329 | 114.316 | 134.892 | 263.228 | 574.536 | 726.093 | 798.706 | 962.928 | 1.213.051 | 1.389.635 | 1.376.797 | 1.518.912 |
| 40- | Profit (Loss) Before Tax [(20+26+39)-35] | 348.089 | 983.391 | 1.418.217 | 1.922.668 | 2.737.536 | 3.471.239 | 4.229.822 | 5.205.130 | 6.238.968 | 7.245.195 | 7.998.158 | 8.947.279 |
| 41- | Provision for Taxes | 84.612 | 223.179 | 333.358 | 451.884 | 640.191 | 833.428 | 1.015.589 | 1.191.168 | 1.392.617 | 1.604.039 | 1.784.028 | 2.044.364 |
| 42- | Net Income (Losses) (40-41) | 263.477 | 760.212 | 1.084.859 | 1.470.784 | 2.097.345 | 2.637.811 | 3.214.233 | 4.013.962 | 4.846.351 | 5.641.156 | 6.214.130 | 6.902.915 |