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Ziraat Bank Bulgaria

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Ziraat Bank Bulgaria

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

        1.80 2.10 2.07 2.11 2.98    
        2.49 3.10 2.79 3.23 4.27    
        -0.093 0.339 -0.101 0.309 1.24    
        -0.126 -1.14 -0.715 0.068 0.611    

balance sheet

        32.3 20.6 28.7 36.0 46.3    
        12.7 18.2 17.2 17.9 17.4    
        49.9 46.0 53.8 63.4 89.4    
        28.3 28.6 27.1 28.1 28.2    
        0.000 0.000 0.000 0.000 0.000    
        21.1 17.1 26.4 35.0 60.1    
        0.000 0.000 0.000 0.000 0.000    

ratios

        -0.465% -4.01% -2.57% 0.246% 2.17%    
        -0.275% -2.38% -1.43% 0.116% 0.800%    
        5.63% 5.75% 5.79% 4.99% 3.96%    
        104% 89.1% 104% 90.4% 70.9%    
        3.92% 4.38% 4.14% 3.61% 3.90%    
        72.2% 67.8% 74.1% 65.3% 69.8%    
        20.9% 19.6% 22.6% 23.9% 19.6%    
        56.8% 62.2% 50.5% 44.3% 31.5%    
        153% 121% 109% 103% 77.1%    
        64.7% 44.8% 53.4% 56.7% 51.8%    

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income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income BGN mil
Interest Cost BGN mil
Net Interest Income BGN mil
Net Fee Income BGN mil
Other Income BGN mil
Total Revenues BGN mil
Depreciation BGN mil
Operating Cost BGN mil
Operating Profit BGN mil
Provisions BGN mil
Extra and Other Cost BGN mil
Pre-Tax Profit BGN mil
Tax BGN mil
Minorities BGN mil
Net Profit BGN mil
        2.05 2.29 2.23 2.37 3.25    
        0.248 0.187 0.166 0.260 0.274    
        1.80 2.10 2.07 2.11 2.98    
        0.520 0.608 0.631 0.772 0.836    
        0.172 0.390 0.092 0.349 0.452    
        2.49 3.10 2.79 3.23 4.27    
        0.251 0.270 0.250 0.241 0.261    
        2.58 2.76 2.89 2.93 3.02    
        -0.093 0.339 -0.101 0.309 1.24    
        0.033 1.48 0.614 0.241 0.632    
        < 0.001 0.000 0.000 < 0.001 0.000    
        -0.126 -1.14 -0.715 0.068 0.611    
        0.000 0.000 0.000 0.000 0.000    
        0.000 0.000 0.000 0.000 0.000    
        -0.126 -1.14 -0.715 0.068 0.611    

growth rates

...       35.8% 16.9% -1.57% 2.23% 40.9%    
...       102% 16.9% 3.78% 22.3% 8.29%    
...       45.7% 24.5% -9.94% 15.9% 31.9%    
...       7.72% 6.86% 4.78% 1.18% 3.32%    
...       -86.5% -465% -130% -406% 302%    
...       -81.7% 806% -37.4% -110% 799%    
...       -81.7% 806% -37.4% -110% 799%    

market share

        0.063% 0.081% 0.075% 0.083% 0.103%    
      ... ... ... ... 0.010% 0.068%    

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balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

        3.14 5.53 6.43 7.84 23.3    
        32.3 20.6 28.7 36.0 46.3    
        12.7 18.2 17.2 17.9 17.4    
        1.29 1.12 0.845 0.779 0.953    
        49.9 46.0 53.8 63.4 89.4    
        28.3 28.6 27.1 28.1 28.2    
        0.000 0.000 0.000 0.000 0.000    
        21.5 17.4 26.6 35.3 61.2    
        0.000 0.000 0.000 0.000 0.000    
        21.1 17.1 26.4 35.0 60.1    
        0.000 0.000 0.000 0.000 0.000    
        0.000 0.000 0.000 0.000 0.000    

growth rates

...       16.8% -36.1% 39.3% 25.2% 28.8%    
...       19.0% -7.72% 16.8% 17.9% 41.0%    
...       9.54% 0.960% -5.23% 3.48% 0.470%    
...       37.4% -19.2% 54.7% 32.3% 71.7%    

market share

        0.060% 0.037% 0.051% 0.070% 0.091%    
        0.083% 0.071% 0.077% 0.090% 0.117%    
        0.040% 0.029% 0.042% 0.054% 0.090%    

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ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

        -0.465% -4.01% -2.57% 0.246% 2.17%    
        -0.275% -2.38% -1.43% 0.116% 0.800%    
        5.63% 5.75% 5.79% 4.99% 3.96%    
        104% 89.1% 104% 90.4% 70.9%    
        3.92% 4.38% 4.14% 3.61% 3.90%    
...       3.14% 3.81% 3.72% 3.21% 3.69%    
        4.46% 4.77% 4.48% 4.05% 4.26%    
...       1.32% 0.960% 0.754% 0.839% 0.568%    
        72.2% 67.8% 74.1% 65.3% 69.8%    
        20.9% 19.6% 22.6% 23.9% 19.6%    
        6.91% 12.6% 3.30% 10.8% 10.6%    
        56.8% 62.2% 50.5% 44.3% 31.5%    
        153% 121% 109% 103% 77.1%    
        64.7% 44.8% 53.4% 56.7% 51.8%    
        0.110% 5.60% 2.49% 0.745% 1.54%    

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Comparison of 28 Banks in Bulgaria

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Ziraat Bank Bulgaria in Numbers

This Annual statistical dossier offers a summary of Ziraat Bank Bulgaria's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Ziraat Bank Bulgaria's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Ziraat's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 15 banks in Bulgaria in 2016, TBI Bank operated with the highest net interest margin, followed by DSK Bank and Eurobank Bulgaria.

TBI Bank's net interest margin amounted to 10.6 in 2016, up from 8.95

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Based on a comparison of 15 banks in Bulgaria in 2016, TBI Bank operated with the highest net interest margin, followed by DSK Bank and Eurobank Bulgaria.

TBI Bank's net interest margin amounted to 10.6 in 2016, up from 8.95 when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 10.6 in 2016 and an all time low of 2.75 in 2011. The average margin in the last five years amounted to 8.52.

Average asset yield was 11.7 in 2016, up from 10.7 when compared to previous year. On the other hand, cost of funding amounted to 1.38 in 2016, down from 2.12.

Comparing TBI Bank with its closest peers, DSK Bank operated in 2016 with a net interest margin of 4.61 Eurobank Bulgaria reached 4.35 and Procredit Bank Bulgaria some 3.94.

The average net interest margin reached 3.31% in the Bulgarian banking sector in 2016 while interest spread amounted to 6.24%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Bulgarian banks in the report section.

Ziraat Bank Bulgaria generated total banking revenues of BGN 3.27 mil in 2017, down 17.7% compared to the previous year.

Bulgarian banking sector banking sector generated total revenues of BGN 3,870 mil in 2017,

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Ziraat Bank Bulgaria generated total banking revenues of BGN 3.27 mil in 2017, down 17.7% compared to the previous year.

Bulgarian banking sector banking sector generated total revenues of BGN 3,870 mil in 2017, down 4.62% when compared to the last year.

As a result, Ziraat Bank Bulgaria accounted for 0.084% of all bank revenues generated by banks in Bulgaria in 2017. Historically, the bank’s market share in total revenues reached an all time high of 0.103% in 2015 and an all time low of 0.043% in 2010.

That's compared to a 0.116% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at Ziraat Bank Bulgaria Profile, or you can download a report on the firm in the report section.

Ziraat Bank Bulgaria's customer loan growth reached 19.3% in 2017, up from 7.20% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 54.0% in 2008 and an all time low of -36.1% in 2012.

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Ziraat Bank Bulgaria's customer loan growth reached 19.3% in 2017, up from 7.20% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 54.0% in 2008 and an all time low of -36.1% in 2012. In the last decade, the average annual loan growth amounted to 0.000%.

On the other hand, bank's customer deposit growth amounted to 37.8% at the end of 2017, up from 0.058% when compared to the previous year. Historically, the bank’s deposit growth reached an all time high of 71.7% in 2015 and an all time low of -45.4% in 2009. In the last decade, the average annual loan growth amounted to 0.000%.

At the end of 2017, Ziraat Bank Bulgaria's loans accounted for 71.6% of total deposits and 52.2% of total assets.

You can see all the bank’s data at Ziraat Bank Bulgaria Profile, or you can download a report on the bank in the report section.

Ziraat Bank Bulgaria generated total banking revenues of BGN 3.27 mil in 2017, down 17.7% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an

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Ziraat Bank Bulgaria generated total banking revenues of BGN 3.27 mil in 2017, down 17.7% 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 BGN 4.27 mil in 2015 and an all time low of BGN 1.71 mil in 2010. The average revenue in the last five years amounted to BGN 3.51 mil.

Net interest income represented 59.8% of total revenues, fee income contributed 35.4% and other non-interest income added further 4.77% to the overall revenue generation in 2017.

Bank's total revenues accounted for 2.88% total assets in 2017, down from 4.47% a year earlier.

Comparing Ziraat Bank Bulgaria with its closest peers, DSK Bank generated total revenues of 5.78% of assets in 2017, United Bulgarian Bank operated with 4.70% revenue margin and Raiffeisenbank Bulgaria produced total income worth 4.37% of assets.

You can see all the bank’s data at Ziraat Bank Bulgaria Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Ziraat's net profit rose 68.5% to BGN 1.51 mil in 2017
Ziraat's net profit rose 68.5% to BGN 1.51 mil in 2017
Ziraat's net interest margin fell 36.0% to 1.93% in 2017
Ziraat's customer deposits rose 37.8% to BGN 82.8 mil in 2017
Ziraat's customer loans rose 19.3% to BGN 59.2 mil in 2017
Ziraat's total revenues fell 17.7% to BGN 3.27 mil in 2017
Ziraat's net interest income fell 27.3% to BGN 1.96 mil in 2017
Ziraat's customer loan growth rose 168% to 19.3% in 2017