Total Loans (TL Million)
2012
106,716
134,843
26.4%
2013
Increasing by 3,8% year-on-year and standing at TL 23.6 billion
in 2013, shareholders’ equity has been a key element that
backed the strong expansion in the credit supply.
İşbank’s capital adequacy ratio stood at 14.4% at the end of
2013, well above the regulatory requirement.
İşbank’s total loans grew by 26.4% in 2013 and reached
TL 134.8 billion.
İşbank maintained its leadership position in the sector in terms
of total loans in 2013.
İşbank pays utmost attention to diversify its loan portfolio with
respect to type of loans. İşbank’s loan book is comprised of
retail loans (28.5%) and corporate, commercial and SME loans
(71.5%).
The ratio of non-performing loans (NPL) to total loans
continued to slide down in 2013, and ended the year at 1.6%
remaining below the sector’s average.
In 2013, İşbank increased its total deposits by 14.8% reaching
to TL 121 billion. Deposits continued to serve as İşbank’s largest
funding source in 2013, accounting for 57.5% of total liabilities.
As of the end of 2013, İşbank maintained its leadership position
among private banks in TL, FC, demand and total deposits.
With the highest market share among private banks in terms of
Turkish Lira savings deposits, worth TL 45.4 billion, İşbank has
played an active part in rechanneling savings to the economy.
In 2013, İşbank’s net interest income increased by 12.3%when
compared to the previous year.
Net fees and commissions income increased by 12.5%, its
contribution having a favorable impact on profitability in 2013.
Total Deposits (TL Million)
2012
120,975
14.8%
2013
105,383
NPL Ratio (%)
2012
1.9%
1.6%
-0.3
12.3%
12.5%
2013
Net Interest Income and Net Fees and Commissions Income
2012
6,655
2013
2012
1,706
1,919
2013
Net Interest Income
Net Fees and Commissions Income
5,928
Activities
31
İşbank
Annual Report 2013
