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 Second largest private bank in Turkey with significant market share in all business lines
(As of December 31, 2007)
Total Assets : USD 65.6 billion |
Total Loans: USD 33.6 billion |
Total Shareholders' Equity: USD 6.1 billion |
Total Deposits: USD 37.7 billion |
Universal bank focused on retail banking and operating like a financial supermarket: retail, corporate, commercial and SME banking, credit cards and payment systems, treasury and investment banking, securities, asset management, leasing, factoring, pension & life, and mortgage.
Customer-focused innovative banking
High-powered and dynamic human resources capable of making a difference
Strong brand and reputation
Extensive branch network & leader in branch productivity and efficiency
State-of-the-art technology
Best customer relationship solutions
Strong multichannel strategy (strong performance in alternative delivery channel management with high delivery channel usage rates)
Market maker in the credit card market with Europe's largest and the best multi-branded credit card, Bonuscard
Playing for leadership in credit cards with around 21.5% share in credit cards issuing volume
First bank to define SME banking as a separate business line
Leader in total loans, FC loans, FC deposits, acquiring business, foreign trade, and cash management
Leader in internet banking
High degree of centralized operations
Exceptional data warehousing and management reporting
Widespread and segmented customer database
Around 16% market share in asset management
Around 14% market share in lending
Key elements of growth strategy: segmentation, technology and people, cost efficiency, alternative distribution channels, highest quality products and services, cross-selling and superior fee income generation
Total Assets |
57,120 |
76,148 |
33.3% |
Total Loans |
29,235 |
39,002 |
33.4% |
Deposits |
33,780 |
43,690 |
29.3% |
Funds Borrowed and Repos |
15,101 |
20,222 |
33.9% |
Total Shareholders' Equity |
4,824 |
7,126 |
47.7% |
Capital Adequacy Ratio |
12.8% |
14.0% |
1.2 pps |
Total Revenues1,2 |
3,350 |
4,196 |
25.3% |
Operating Income3,4 |
1,551 |
2,095 |
35.2% |
Net Income (normalized)5 |
1,167 |
1,641 |
40.6% |
Net Income |
1,167 |
2,422 |
107.6% |
ROAE (normalized) 5 |
27.4% |
27.4% |
0.0 pps |
ROAE |
27.4% |
40.4% |
13.0 pps |
ROAA (normalized) 5 |
2.33% |
2.52% |
0.2 pps |
ROAA |
2.33% |
3.71% |
1.4 pps |
Cost/Income (normalized) 5 |
53.7% |
50.1% |
3.6 pps |
Cost/Income |
53.7% |
41.8% |
1.2 pps |
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