Ziraat Participation’s Financial Standing, Profitability and Solvency
Ziraat Participation that is integrated into the international participation banking financial architecture aims the development of participation banking sector in our country and being a leader in the participation banking sector by developing new products and services. Ziraat Participation today achieved the size of assets worth of TL 2,177 million with the capital worth of TL 675 million.
Stable growth in the financial structure and sustainable profitability were set as an objective by Ziraat Participation. Retaining the profits that will be obtained in the future within the Bank was determined as the main strategy for the sustainable profitability that is the primary element of equity management.
The ratio of securities in the balance sheet is 6%; 78% of the assets consist of disbursed funds. This is considered as the indicator of the plans to grow together with the real sector.
Within the framework of balance sheet management approach that attaches importance to the resource diversity and depth, and in line with the objective of widespread penetration and achieving low cost, the resources were utilized from domestic and international banks in addition to the collected funds. As of the end of 2015, the size of funds amounted to TL 1.26 billion. The collected funds consist of 58% of the total liabilities.
2015 was completed with TL 12 million losses due to the fact that it was the founding year of Ziraat Participation. The majority of the period losses consist of other operational expenses stemming from establishment expenses. The most important revenue item was the dividends taken from the disbursed funds.
Assets
| Loans |
78% |
| Liquid Assets and Banks |
13% |
| Securities |
6% |
| Other Assets |
3% |
Liabilities
| Funds Collected |
58% |
| Shareholders’ Equity |
31% |
| Other Funds |
9% |
| Other Liabilities |
2% |
| Ratios |
2015 |
| |
|
| Capital |
% |
| Capital Adequacy Ratio |
47.41 |
| Shareholders’ Equity/Total Assets |
30.52 |
| Shareholders’ Equity/(Total Assets+Non-cash Loans) |
25.79 |
| Shareholders’ Equity/(Funds Collected+Other Funds) |
45.24 |
| |
| Asset Quality |
|
| Total Loans/Total Assets |
77.62 |
| NPL (Gross)/Cash Loans |
0.00 |
| NPL (Gross)/(Non-cash Loans+Cash Loans) |
0.00 |
| FC Assets/FC Liabilities |
70.54 |
| |
| Liquidity |
|
| Liquid Assets/Total Assets |
12.84 |
| Liquid Assets/(Funds Collected+Other Funds) |
19.04 |
| |
| Profitability |
|
| Net Profit (Loss)/Average Total Assets |
-0.55 |
| Net Profit (Loss)/Average Shareholders’ Equity |
-1.80 |
| Net Profit (Loss)/Average Paid-in Capital |
-1.78 |
| |
| Income-Expense Structure |
|
| Profit Shares Income/Profit Shares Expense |
480.76 |
| Non-Profit Shares Incomes/Non-Profit Shares Expenses |
6.02 |
| Total Incomes/Total Expenses |
88.66 |
| Profit Shares Incomes/Total Incomes |
94.39 |
| Non-Profit Shares Incomes/Total Incomes |
5.61 |
| Profit Shares Expenses/Total Expenses |
17.41 |
| Non-Profit Shares Expenses/Total Expenses |
82.59 |
