sunum cuma son - bank asya · earnings presentation brsa consolidated figures as at march 31, 2006...
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Earnings PresentationBRSA Consolidated Figures as at March 31, 2006
Disclaimer Statement
The information and opinions contained in this document have been complied or arrived at by Asya Katጐlጐm Bankasጐ A.ᗠ. from sources believed to be reliable and in good faith, but no representation or warranty, expressed or implied, is made as to their accuracy, completeness or correctness. All opinions and estimates contained in this document constitute the Company’s judgement as of the date of this document and are subject to change without notice. The information contained in this document is published for the assistance of recipients, but is not to be relied upon authoritative or taken in substitution for the exercise of judgement by any recipient. The company does not accept any liability whatsoever for any direct or consequential loss arising from any use of this document or its content. This document is strictly confidential and may not be reproduced, distributed or published for any purpose.
§ 31.03.2005 BRSA Solo* Report § 31.12.2005 BRSA Consolidated Report§ 31.03.2006 BRSA Consolidated Report
was used for this presentation.
* Iᗰጐk Sigorta A.ᗠ was our affiliated company on 31.03.2005 so, 31.03.2005 dated report was prepared based on solo figures.
2006 Q1 Performance Review
Consolidated Financial Performance
1 Included Loans, Leasing Receivables, and Advances to Customers
Selected FinancialsBRSA, YTL Million
31.12.2005 31.03.2006 YTDTotal Assets 2.637 2.785 5,6%Total Loans 1 2.046 2.210 8,0%Contingencies and Commitments
3.912 4.064 3,9%
Customers' Current and Profit Sharing Accounts
2.117 2.208 4,3%
Shareholders' Equity 296 319 7,6%
Income Statement Highlights
Selected FinancialsBRSA, YTL Million
31.03.2005 31.03.2006 % Profit Sharing and Similar Income 31 55 75,8%Net Fee & Commision Income 18 28 53,0%Net Trading Income 1 -4 -609,9%Other Income 3 42 1155,4%Total Revenues 1 53 119 124,1%Operating Expenses -25 -50 101,0%Operating Income 2 28 69 144,9%Provisions 10 37 284,9%Taxation 1 11 1182,4%Net Income 17 20 15,1%
1 Total Revenue = Net Profit Share Income + Net Fee and Commissions Income + other Operating Income2 Operating Income = Total Revenues – Other Operating Expenses
Selected Financial Ratios
12,7 %13,0 %Capital adequacy ratio - CAR
11,3 %11,1 %Total shareholders’ equity to total assets
31.03.200631.12.2005Balance Sheet Ratios (%)
79,3 %80,3 %Deposits to total assets
79,4 %77,6 %Total cash loans to total assets
Selected Financial Ratios
66,8 %70,6 %Allowance for possible loan losses to non-performing loans
1,6 %1,7 %Non-performing loans to total cash and non-cash loans
5,2 %5,2 %Non-performing loans to total cash loans
31.03.200631.12.2005Credit Quality (%)
Selected Financial Ratios
6,5 %6,1 %General and administrative expenses as a percentage of total assets
51,7 %50,1 %Cost to income
38,5 %40,6 %Return on average shareholders’ equity- ROAE
4,0 %4,0 %Return on average total asset - ROAA
31.03.200631.12.2005Profitability Ratios (%)
Net Interest Margin
3,8%
8,1%
15,8%
7,3%
0,0%
2,0%
4,0%
6,0%
8,0%
10,0%
12,0%
14,0%
16,0%
18,0%
2005
Average Yield Average MarginAverage Spread Adj. Net Interest Margin
4,5%
16,1%
8,0% 8,5%
0,0%
2,0%
4,0%
6,0%
8,0%
10,0%
12,0%
14,0%
16,0%
18,0%
2006 Q1
Average Yield Average MarginAverage Spread Adj. Net Interest Margin
Income Statement items were calculated for the period of March 2005 through March 2006
2006 Q1 Performance Balance Sheet
Composition of Total Assets and Total Liabilities
79,3 %80,3 %
11,3 %11,1 %9,4 %8,6 %
2005 2006 Q1
Deposits Shareholders' Equity Other
Total Assets Total Liabilities and SHE
* Throughout the presentation, loans refer to performing loans only
66,4 % 68,5 %
9,7 %11,3 %
11,2 % 10,9 %11,1 % 10,9 %
2005 2006 Q1Loans
Cash & Banks
Leasing Receivables & Advances to Customers
Other
Loan Portfolio by Line of Business
13,4% 14,5%
50,2 % 50,0 %
22,0 % 21,8 %
14,4 % 13,7 %
2005 2006 Q1
Corporate Commercial Leasing (NET) Other
Loan Growth Performance
2.0462.210
500
800
1.100
1.400
1.700
2.000
2.300
2005 2006 Q1
1.242
1.484
-15050
250450650850
1.0501.2501.4501.6501.850
2005 2006 Q1
67,2%60,7%
32,8 %39,3 %
2005 2006 Q1
Total Loans (YTL Million) Currency Breakdown of Cash Loans
726804
0100200300400500600700800900
2005 2006 Q1
YTL Loans (YTL Million) FC Loans (YTL Million)
% 19,5
% 8,0
% -9,7
“Foreign currency indexed” loans are included in FC loans
YTL YTL
FCFC
3.912
4.064
3.800
3.850
3.900
3.950
4.000
4.050
4.100
31.12.2005 31.03.2006
4 %
3,00%
82,0 %83,6 %
13,6 % 15,0 %
2,8%
2005 2006 Q1
Letter of Guarantee Letter of Credit Other
Breakdown of Contingencies and Commitments
Contingencies and CommitmentsTotal of Contingencies and Commitments (YTL Million)
Foreign Trade Volume
183
319
664
472
285
205
0
100
200
300
400
500
600
700
2005 Q1 2006 Q1
Import Export Letter of Credit
(Million $)
860
1.26847,4 %
Growing Customer Funds
2.117
2.208
2.0602.0802.1002.1202.1402.1602.1802.2002.220
2005 2006 Q1
1.3901.276
500600700800900
1.0001.1001.2001.3001.4001.500
2005 2006 Q1
60,3% 63,0%
37,0 %39,7%
2005 2006 Q1
Total Deposits (YTL Million) Total Currency Composition of Deposits
817841
500560620680740800860
2005 2006 Q1
% 8,9
% 4,3
% -2,7
YTL Deposits (YTL Million) FC Deposits (YTL Million)
YTL YTL
FC FC
Capital Adequacy – At Comfort Levels
2.284
296
0
500
1.000
1.500
2.000
2.500
2005
RWA & Market Risk Capital Base
RWA + Market Risk, Equity Base, and CAR
ØAsya Bank’s capital adequacy ratio stood at 12.7% as of Q1 2006, well within the comfort zone
13,0 % CAR 2.514
319
0
500
1.000
1.500
2.000
2.500
3.000
2006 Q1
RWA & Market Risk Capital Base
12,7 % CAR
(Million YTL) (Million YTL)
Continuous Stream of Innovative Offerings
Number of Credit CardsCredit Cards Transaction Volume
(Thousand YTL)
Number of POS Business MembersPOS Transaction Volume
(Thousand YTL)
Mar.05 Mar.06
59,8 %
Mar.05 Mar.06
104,6 %
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