Activity Fields

Finance

The Banking Sector in 2020

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The Banking Sector in 2019

2019 was a planned correction year for the Turkish economy and banking sector. On contrary to the growth which was lower than expectations from the global economy, on-going economic stagnation in China, trade wars and instabilities in the region, the interest of investors to Turkey was balanced.

After balancing period in the first half of 2019, the interest decrease decisions by TCMB in the year contributed to economic activities. In this period, TCMB monetary expansion policies, improving inflation levels, normalised funding costs and strong coordination among legal, financial and monetary authorities had positive contributions in the banking sector.

A cautious growth policy is followed in 2019 for credits. While total credits reached 2.552 billion TL with a 10% increase, the total deposit money base reached 2.470 billion TL with a 22% increase.

In this process, while there was a slight distortion in active asset quality of the sector, the non-profit load ratio increased by 155 basis points and reached 5.2% level although there were 9.2 billion TL non-performing loan sales throughout the year.

The net profit of the sector decreased by 8% in 2019 to 47.3 billion TL and return on equity was 10.8%. Capital adequacy ratio of the sector in 2019 was at 18% level.

Koç Group in Banking Sector

Yapı Kredi increased its market share in 2019 and reached 16.6% in cash credits and 15.2% in deposit money among private banks.

Yapı Kredi
#3 private bank

Yapı Kredi Subsidiaries
Yapı Kredi Leasing #1 
Yapı Kredi Factoring #1
Yapı Kredi Investment #1
Yapı Kredi Portfolio Management #2