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Fibabanka

Fibabanka's customer loans rose 27.0% to TRY 14,529 mil in 2017

By Helgi Analytics - December 12, 2019

Fibabanka's customer loans reached TRY 14,529 mil in 2017, up 27.0% compared to the previous year. Turkish banking sector provi...

Fibabanka's customer deposits rose 27.9% to TRY 12,307 mil in 2017

By Helgi Analytics - December 12, 2019

Fibabanka's customer deposits reached TRY 12,307 mil in 2017, up 27.9% compared to the previous year. Turkish banking sector ac...

Fibabanka's net profit rose 54.0% to TRY 162 mil in 2017

By Helgi Analytics - June 30, 2018

Fibabanka made a net profit of TRY 162 mil in 2017, up 54.0% compared to the previous year. This implies a return on equity of 1...

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Profit Statement		2015	2016	2017
Net Interest Income	TRY mil	357	466	622
Fee Income (As % Of Revenues)	%	5.04	4.05	5.65
Other Income	TRY mil	30.1	101	87.0
Total Revenues	TRY mil	408	591	751
Staff Cost	TRY mil	112	138	194
Operating Profit	TRY mil	191	324	400
Provisions	TRY mil	92.4	177	206
Net Profit	TRY mil	73.3	105	162

Balance Sheet		2015	2016	2017
Interbank Loans	TRY mil	69.6	58.1	321
Customer Loans	TRY mil	8,615	11,441	14,529
Debt Securities	TRY mil	2,266	3,934	5,704
Total Assets	TRY mil	11,191	15,394	20,173
Shareholders' Equity	TRY mil	1,037	1,290	1,469
Interbank Borrowing	TRY mil	1,022	1,538	2,091
Customer Deposits	TRY mil	7,460	9,622	12,307
Issued Debt Securities	TRY mil	2,742	4,297	5,510

Ratios		2015	2016	2017
ROE	%	9.04	9.03	11.7
ROA	%	0.763	0.790	0.909
Costs (As % Of Assets)	%	2.26	2.01	1.97
Costs (As % Of Income)	%	53.2	45.2	46.7
Capital Adequacy Ratio	%	13.6	13.5	16.1
Net Interest Margin	%	3.71	3.51	3.50
Loans (As % Of Deposits)	%	115	119	118
NPLs (As % Of Loans)	%	1.69	1.85	3.20
Provisions (As % Of NPLs)	%	53.3	39.6	36.5

Growth Rates		2015	2016	2017
Total Revenue Growth	%	18.0	44.9	27.2
Operating Cost Growth	%	12.1	23.2	31.4
Operating Profit Growth	%	25.7	69.5	23.7
Net Profit Growth	%	2.52	43.2	54.0
Customer Loan Growth	%	39.2	32.8	27.0
Total Asset Growth	%	39.2	37.5	31.0
Customer Deposit Growth	%	42.2	29.0	27.9
Shareholders' Equity Growth	%	76.9	24.4	13.9
Employees		1,290	1,488	1,633

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summary
income statement
balance sheet
ratios
other data

summary	Unit	1984	1985	1986	1987	1988	1989	1990	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										62.7	133	173	301	357
Total Revenues	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										80.9	182	227	345	408
Operating Profit	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										23.3	85.3	90.6	152	191
Net Profit	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										4.61	46.3	39.2	71.5	73.3
balance sheet
Interbank Loans	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										18.9	25.1	216	264	69.6
Customer Loans	TRY mil																												2,107	3,221	5,180	6,190	8,615
Debt Securities	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										332	670	1,467	1,754	2,266
Total Assets	TRY mil																												2,487	3,900	6,664	8,042	11,191
Shareholders' Equity	TRY mil																												233	383	497	586	1,037
Interbank Borrowing	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										29.7	310	564	850	1,022
Customer Deposits	TRY mil																												2,051	2,689	4,548	5,246	7,460
Issued Debt Securities	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										43.3	819	1,598	2,272	2,742
ratios
ROE	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										2.71	15.0	8.91	13.2	9.04
ROA	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.272	1.45	0.742	0.973	0.763
Costs (As % Of Assets)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3.40	3.03	2.58	2.63	2.26
Costs (As % Of Income)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										71.2	53.1	60.1	56.0	53.2
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										17.2	14.3	13.3	13.2	13.6
Net Interest Margin	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3.70	4.16	3.27	4.10	3.71
Interest Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										77.4	72.9	76.1	87.2	87.6
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										13.2	3.88	5.25	4.91	5.04
Staff Cost (As % Of Total Cost)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										53.5	57.7	55.5	56.0	51.7
Equity (As % Of Assets)	%																												9.38	9.81	7.46	7.29	9.27
Loans (As % Of Deposits)	%																												103	120	114	118	115
Loans (As % Assets)	%																												84.7	82.6	77.7	77.0	77.0
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.773	0.917	1.17	2.07	1.69
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										28.9	47.1	58.0	43.5	53.3

income statement	Unit	1984	1985	1986	1987	1988	1989	1990	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										150	340	412	683	801
Interest Cost	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										87.2	207	239	382	444
Net Interest Income	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										62.7	133	173	301	357
Net Fee Income	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										10.7	7.07	11.9	17.0	20.6
Other Income	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										7.59	42.3	42.2	27.3	30.1
Total Revenues	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										80.9	182	227	345	408
Staff Cost	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										30.9	55.9	75.7	108	112
Operating Cost	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										57.7	96.8	136	194	217
Operating Profit	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										23.3	85.3	90.6	152	191
Provisions	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										16.2	24.3	37.8	60.1	92.4
Extra and Other Cost	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0	0	0	0	0
Pre-Tax Profit	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										7.06	61.1	52.7	91.8	98.5
Tax	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										2.45	14.8	13.5	20.2	25.1
Net Profit	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										4.61	46.3	39.2	71.5	73.3
growth rates
Net Interest Income Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									93.2	112	30.2	74.3	18.6
Net Fee Income Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									140	-33.9	68.7	42.1	21.3
Total Revenue Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									151	125	24.7	52.2	18.0
Operating Cost Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									28.6	67.9	41.0	41.9	12.1
Operating Profit Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									-284	266	6.14	67.7	25.7
Pre-Tax Profit Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									-146	765	-13.7	74.0	7.32
Net Profit Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...									-132	903	-15.3	82.5	2.52
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.138	0.250	0.281	0.388	0.411		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...		...	...	0.024	0.205	0.166	0.292	0.286		...
Market Share in Employees	%																												0.241	0.329	0.583	0.608	0.641
Market Share in Branches	%																												0.214	0.274	0.563	0.597	0.599

balance sheet	Unit	1984	1985	1986	1987	1988	1989	1990	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										243	431	812	1,027	1,470
Interbank Loans	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										18.9	25.1	216	264	69.6
Customer Loans	TRY mil																												2,107	3,221	5,180	6,190	8,615
Debt Securities	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										332	670	1,467	1,754	2,266
Fixed Assets	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										17.7	22.1	40.1	37.0	197
Total Assets	TRY mil																												2,487	3,900	6,664	8,042	11,191
Shareholders' Equity	TRY mil																												233	383	497	586	1,037
Liabilities	TRY mil																												2,254	3,518	6,167	7,455	10,154
Interbank Borrowing	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										29.7	310	564	850	1,022
Customer Deposits	TRY mil																												2,051	2,689	4,548	5,246	7,460
Issued Debt Securities	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										43.3	819	1,598	2,272	2,742
Other Liabilities	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										130	-300	-544	-913	-1,070
asset quality
Non-Performing Loans	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										16.3	29.7	61.0	129	147
Gross Loans	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										2,111	3,235	5,215	6,246	8,693
Total Provisions	TRY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										4.72	14.0	35.4	56.3	78.3
growth rates
Customer Loan Growth	%	...																											229	52.9	60.8	19.5	39.2
Total Asset Growth	%	...																											176	56.8	70.9	20.7	39.2
Shareholders' Equity Growth	%	...																											117	64.1	29.9	17.9	76.9
Customer Deposit Growth	%	...																											173	31.2	69.1	15.3	42.2
market share
Market Share in Customer Loans	%																												0.331	0.440	0.535	0.539	0.623
Market Share in Total Assets	%																												0.214	0.300	0.407	0.426	0.501
Market Share in Customer Deposits	%																												0.312	0.371	0.508	0.526	0.637

ratios	Unit	1984	1985	1986	1987	1988	1989	1990	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										2.71	15.0	8.91	13.2	9.04
ROA	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.272	1.45	0.742	0.973	0.763
Costs (As % Of Assets)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3.40	3.03	2.58	2.63	2.26
Costs (As % Of Income)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										71.2	53.1	60.1	56.0	53.2
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										17.2	14.3	13.3	13.2	13.6
Net Interest Margin	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3.70	4.16	3.27	4.10	3.71
Interest Spread	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3.12	3.46	2.86	3.68	3.29
Asset Yield	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										8.84	10.6	7.80	9.29	8.33
Cost Of Liabilities	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										5.72	7.17	4.93	5.60	5.05
Interest Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										77.4	72.9	76.1	87.2	87.6
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										13.2	3.88	5.25	4.91	5.04
Other Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										9.37	23.2	18.6	7.90	7.39
Cost Per Employee	USD per month	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										3,495	4,227	2,872	3,297	2,762
Cost Per Employee (Local Currency)	TRY per month	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										5,872	7,609	5,476	7,396	7,247
Staff Cost (As % Of Total Cost)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										53.5	57.7	55.5	56.0	51.7
Equity (As % Of Assets)	%																												9.38	9.81	7.46	7.29	9.27
Loans (As % Of Deposits)	%																												103	120	114	118	115
Loans (As % Assets)	%																												84.7	82.6	77.7	77.0	77.0
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.773	0.917	1.17	2.07	1.69
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										28.9	47.1	58.0	43.5	53.3
Provisions (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										0.224	0.433	0.683	0.909	0.908
Cost of Provisions (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...										1.18	0.911	0.901	1.06	1.25

other data	Unit	1984	1985	1986	1987	1988	1989	1990	1991	1992	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Branches																													21.0	28.0	62.0	67.0	67.0
Employees																													438	612	1,152	1,222	1,290

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Comparison of 22 Banks in Turkey
Annual Data (1958 - 2017)

Oct 2018

Statistical Dossier

$439.99

Fibabanka in Numbers
Annual (1984 - 2017)

Sep 2018

Statistical Dossier

$19.99

Fibabanka's employees rose 9.74% to 1,633 in 2017

By Helgi Analytics - June 30, 2018

Fibabanka employed 1,633 persons in 2017, up 9.74% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,633 persons in 2017 and an all time low of 97.0 in 2002. Average cost reached USD 2,709 per month per employee, ...

Fibabanka's npls (as % of loans) rose 73.1% to 3.20% in 2017

By Helgi Analytics - June 30, 2018

Fibabanka's non-performing loans reached 3.20% of total loans at the end of 2017, up from 1.85% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.9% in 2002 and an all time low of 0.009% in 2004. Provision coverage amount...

Fibabanka's net interest income rose 33.5% to TRY 622 mil in 2017

By Helgi Analytics - June 30, 2018

Fibabanka generated total banking revenues of TRY 751 mil in 2017, up 27.2% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of TRY 751 mil in 2017 and an all tim...

Fibabanka's net interest margin fell 0.245% to 3.50% in 2017

By Helgi Analytics - June 30, 2018

Fibabanka's net interest margin amounted to 3.50% in 2017, down from 3.51% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 27.8% in 2002 and an all time low of 2.35% in 2005. The average margin in ...

Fibabanka's costs (as % of assets) fell 1.77% to 1.97% in 2017

By Helgi Analytics - June 30, 2018

Fibabanka's cost to income ratio reached 46.7% in 2017, up from 45.2% compared to the previous year. Historically, the bank’s costs reached an all time high of 341% of income in 2003 and an all time low of 45.2% in 2016. When compared to total assets, bank...

Fibabanka's customer loan growth fell 17.8% to 27.0% in 2017

By Helgi Analytics - June 30, 2018

Fibabanka's customer loan growth reached 27.0% in 2017, down from 32.8% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 91,300% in 1997 and an all time low of -99.8% in 1996. In the last decade, the average...

Fibabanka's total revenues rose 27.2% to TRY 591 mil in 2017

By Helgi Analytics - July 16, 2018

Fibabanka generated total banking revenues of TRY 591 mil in 2016, up 44.9% compared to the previous year. Turkish banking sector banking sector generated total revenues of TRY 121,108 mil in 2016, up 22.1% when compared to the last year. As a r...

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Finance

Fibabanka has been growing its revenues and asset by 30.2% and 33.1% a year on average in the last 10 years. Its loans and deposits have grown by 34.7% and 29.1% a year during that time and loans to deposits ratio reached 118% at the end of 2017. The company achieved an average return on equity of 4.53% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 46.7% in 2017, compared to 76.6% average in the last decade.

Equity represented 7.28% of total assets or 10.1% of loans at the end of 2017. Fibabanka's non-performing loans were 3.20% of total loans while provisions covered some 36.5% of NPLs at the end of 2017.

Fibabanka

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