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Commercial/Corporate Banking with a significant emphasis ... FITCH RATING AUGUST 2007. 9. Financial Highlights. Trade Volumes. 10. 1. 1. STRATEGY. 12. Strategy ... – PowerPoint PPT presentation

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Title: Background Information


1
June 2007
2
BACKGROUND INFORMATION
1
3
Background Information
  • ABank is a mid-sized Turkish Commercial Bank
    established in 1991
  • Total Assets of USD 1,565 million
  • Deposit base of approximately USD 774 million
  • 34 Branches
  • 4.126 corporate and approximately 30.000
    individual active customers
  • Commercial/Corporate Banking with a significant
    emphasis in SME segment
  • 95 owned by the Anadolu Group, a leading Turkish
    conglomerate with interests in the beverage
    bottling, brewing, automotive, stationary and
    packaging sectors

Million YTL

Anadolu Endüstri Holding
173
78
Other Group Companies
40
18
Listed on ISE
4
9
Other
2
-
224
100
2
4
FINANCIAL HIGHLIGHTS
3
5
Financial Highlights
(Currency- In thousand of YTL in equivalent
purchasing power at June, 2007)
4
6
Financial HighlightsNotes to Financial
Highlights

ASSET QUALITY
21.3 increase in total cash loan portfolio
Net NPL ratio of 0.7
LIQUIDITY
Liquidity ratio is 11 as of end of June 2007
CAPITALISATION
Capital Adequacy Ratio as of June 2007 is 11,9
PROFITABILITY
Net profit of USD 30,2 million (303 increase
comparing the same period in 2006)
Return on Equity 37
TRADE FINANCE
USD 720 million total trade volume as of June
2007
USD 230 million syndication loan acquired
from 41 major relationship banks
5
7
Financial HighlightsNon-Performing Loans
(Currency- In thousand of YTL in equivalent
purchasing power at June 30, 2007)
6
8
Financial HighlightsFree Capital
(Currency- In thousand of YTL in equivalent
purchasing power at June 30, 2007)
7
9
Financial Highlights Total Cost / Total Income
(Currency- In thousand of YTL in equivalent
purchasing power at June 30, 2007)

8
10
FITCH RATING AUGUST 2007
9
11
Financial Highlights Trade Volumes
10
12
1
1
13
STRATEGY
12
14
Strategy
  • Specialization in customer segmentation
  • Branch expansion plans (Reaching 45 branches at
    the end of 2007)
  • Relationship driven approach
  • Sustainability of Low Expense Base
  • Application of conservative and prudent risk
    management techniques
  • Preperation for Basel II
  • Sustainable growth and profitability
  • Further growth in SMES( by creating efficiency
    and scale)
  • Increase in non-interest income(commission and
    fees, cross selling activities)
  • A strong funding structure supporting the stable
    growth
  • Operational efficiency / Expenditure control
  • Improvement of work flows and IT infrastructure
  • A focused approcoach in high service quality and
    customer satisfaction

13
15
Strategy
  • Major Business Lines
  • Commercial and Corporate Banking
  • Retail Banking
  • Investment Banking
  • Leasing

13
16
BUSINESS LINES
14
17
Business LinesCommercial / Corporate Banking
  • - Substantial increase in corporate lending
  • - Focus in SME segment
  • - Increase in non-interest income (45
    increase)
  • - Enhancement in corporate marketing and sales
    activities

15
18
Commercial / Corporate Banking
  • Major Products include
  • Working capital finance
  • Trade finance
  • Cash management
  • Portfolio management
  • Complementary Products
  • Leasing
  • Insurance

16
19
Commercial / Corporate BankingBranch Network
  • 34 branches covering a great majority of Turkish
    commercial and population centers( Istanbul17,
    Izmir3, Ankara3, Kocaeli3, Eskisehir, Bursa2,
    Kayseri, Konya, Antalya, Adana, G.Antep)
  • Network covers provinces representing around 75
    of GDP and business activity in Turkey

17
20
Commercial / Corporate BankingTotal Loans
(cash and non-cash) / Total Adjusted Assets(
Adjusted Assets include also non-cash loans)
18
21
Commercial / Corporate BankingSecurities
Portfolio / Total Adjusted AssetsTotal Loans /
Total Adjusted Assets
19
22
Related Party Exposures
  • Significant synergy potential with the Anadolu
    Group
  • Minimum related party exposure
  • Cash Loans 0,3
  • Non-cash Loans 5,3
  • Total 2,4
  • (figures are as of June 2007)

20
23
Commercial / Corporate BankingNumber of Active
Corporate Customer Profile
21
24
Corporate Loans Sectoral Breakdown
22
25
Business Lines
  • Treasury
  • Provides complete range of treasury services and
    products
  • Asset-liability management
  • Derivative products for various needs of
    customers
  • Monitoring the markets with periodical economic
    reports
  • Focus on risk management due to the high level of
    volatility
  • Independent risk management unit
  • Close monitoring of foreign exchange exposure
  • Close monitoring of interest rate exposure
  • A very cautious liquidity policy

23
26
TreasuryFx Position- June 2007
24
27
Business Lines
  • Investment Banking (AYatirim)
  • Investment banking services are provided
    through AYatirim, 100 owned subsidiary of the
    Bank
  • Provides securities brokerage and corporate
    finance services to institutional and private
    clients
  • Manages mutual funds
  • Provides economic, sectoral and company research
    services
  • Operates through its seven branches
  • Cater to more than 4,500 active client
    requirements

25
28
Business Lines
  • Leasing (ALease)
  • Leasing services are provided through ALease
  • Financial Highlights as of June 2007
  • Lease Volume 74.2 mio
  • Total Assets 155.5 mio
  • Borrowings 138.8 mio
  • Volume Growth 16.1
  • ROE 30.9
  • Market Share 1.83
  • Number of lessees 541

25
29
SECTORAL ANALYSIS
26
30
Sectoral Analysis(as of 31/03/2007)

() Based on BRSA figures
27
31
Sectoral Analysis(as of 31/03/2007)
Total Loans / Total Adjusted Assets
() Based on BRSA figures
28
32
Sectoral Analysis(as of 31/03/2007)
Securities Portfolio / Total Adjusted Assets
24.4
() Based on BRSA figures
29
33
Sectoral Analysis(as of 31/03/2007 thousand YTL)
Loans (Cash N. Cash) Per Branch
() Based on BRSA figures
30
34
Sectoral Analysis(as of 31/03/2007 thousand
YTL)
Deposits Per Branch

44,982
() Based on BRSA figures
31
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