TEB 30 June 03
Summary Balance Sheet Source: TEB BRSA Consolidated Financials
Summary Income Statement 3 Source: TEB BRSA Consolidated Financials
Strong balance sheet growth, commitment to core banking intact 4 Source: TEB BRSA Consolidated Financials
Balanced growth among the business lines and in retail composition 5 Source: TEB BRSA Bank only Financials
Good asset quality maintained despite increasing share of retail 6 Source: TEB BRSA Bank only Financials
Balanced distribution among industries (*) (*) incl. non-cash balance 7
Marketable Securities are making up 0% of total assets 8 Source: TEB BRSA Bank only Financials
Steady increase in deposits with higher share of retail and SME 9 Source: TEB BRSA Bank only Financials
COR - mostly due to general provisions, NIM is normalizing () COR includes specific and general as well as other provision expenses Cumulative ratio = annualized Provision Exp. (incl.gllp) / Average quarter-end Loans. Quarterly ratio = annualized Provision Exp. (incl. GLLP) / Average of last quarter-end Loans () Annualized NII / / Avr of past YtD quarter-end Loan and MS for cumulative line / Avr of last quarter-end Loan and MS for quarterly line 0 Source: TEB BRSA Bank only Financials
C/I ratio implying better efficiency No restructuring costs will be booked in 03, the comparative analysis is given to present the effect of restructing costs in 0 as well as the improvements in efficiency that is not associated with restructuring costs. Source: TEB BRSA Bank only Financials
TEB in Numbers 3 3 TEB is present in 7 cities out of 8 Kırklareli Bartın Sinop Edirne 84 Kastamonu 6 Tekirdağ İstanbul Zonguldak 5 Artvin Ardahan 5 3 Karabük Samsun 3 Kocaeli Düzce Rize Yalova Sakarya Ordu Trabzon Amasya Giresun Bolu Çankırı Çorum Kars Çanakkale Tokat G.Hane Bursa 5 Bayburt Bilecik Erzurum Iğdır 43 4 Balıkesir 5 Ankara Kırıkkale Ağrı Eskişehir Yozgat Sivas Erzincan Kütahya Kırşehir Tunceli Bingöl Muş 4 Manisa 3 Van Van Uşak Afyon Nevşehir Kayseri Elazığ İzmir 7 Malatya Bitlis 4 Konya Aksaray 6 6 Uş Diyarbakır Siirt Aydın 6 Denizli ak Isparta K.Maraş Niğde Batman Adıyaman Hakkari 9 3 Aydın Burdur Şırnak Muğla Adana Mardin Osmaniye Ş.Urfa 5 Karaman G.Antep Antalya 9 9 4 Mersin Kilis Hatay Cities with branches Cities without branches Cities branches opened during 03 H 4 5 As of 30/06/03 Number of Clients: 5 million Number of Branches: 53 Total Staff: 9,906
Ratings of TEB FITCH Rating Outlook Short Term LC F Long Term LC BBB + Stable Short Term FC F3 Long Term FC BBB Stable Individual bbb- National AAA (tur) Stable Support MOODY'S Rating Outlook Banking Financial Strength Rating D+ Negative Long Term FC Bank Deposits Baa3 Stable Short Term FC Bank Deposits P-3 Long Term LC Bank Deposits Baa3 Stable Short Term LC Bank Deposits P-3 3
A Major Player of the Turkish Financial Services Market BNPP Cardif Insurance A major global player for personal insurance Turkish operations fully owned by BNP ParibasCardif (S&P AA rated),00% subsidiary of BNP Paribas %3 market share in Turkey in protection insurance & pension TEB Factoring 3rd largest factoring company in Turkey with 9.5 % market share as of Q 03 TEB Kosovo Operative since January 008, with 5 branches, as of Q 03 Loans: 50M Deposits: 7M TEB Full range of banking services TEB N.V. Turkish specialist in the EU market, total asset size is EUR 657 mio as of Q 03 TEB Asset Management 6th largest asset management company with 4.8% market share as of Q 03 BNPP Leasing 4th largest leasing company in Turkey with 8.4% market share as of Q 03 TEB Investment 5th largest brokerage & investment house of Turkey with 4.% market share as of Q 03 TEB Cetelem Consumer finance company in Turkey with 6.4%market share as of Q 03 TEB Arval Operative since October 007, 5% market share as of Q 03 4
Disclaimer The information and opinions obtained in this document have been compiled or arrived at by TEB from sources believed to be reliable, but no representation or warranty is made as to their accuracy, completeness or correctness. All opinions and estimates contained in this document constitute TEB s judgement as of the date of this document and are subject to change without notice. This document is published for the assistance of the recipients, but is not to be relied upon as authoritative or taken in subtitution for the exercise of judgement by any recipient. TEB does not accept any liability for any direct or consequential loss arising from any use of this document or its contents. This document is strictly confidential and may not be reproduced, distributed or published for any purpose. 5