MIRA INFORM REPORT

 

 

Report Date :

03.06.2013

 

IDENTIFICATION DETAILS

 

Name :

BURGAN BANK AS                                                                                                                                                                                                                        

 

 

Formerly Known As :

Tekfen Tower Esentepe Mah. Buyukdere Cad. No:209 Sisli 4. Levent Istanbul, 34394

 

 

Registered Office :

Turkey

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

1989

 

 

Legal Form :

1989

 

 

Line of Business :

Subject is engaged in banking activities. Its services include Retail Banking, including deposit accounts and credit cards

 

 

No. of Employees :

743

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March, 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Turkey

B2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

TURKEY - ECONOMIC OVERVIEW

 

Turkey's largely free-market economy is increasingly driven by its industry and service sectors, although its traditional agriculture sector still accounts for about 25% of employment. An aggressive privatization program has reduced state involvement in basic industry, banking, transport, and communication, and an emerging cadre of middle-class entrepreneurs is adding dynamism to the economy and expanding production beyond the traditional textiles and clothing sectors. The automotive, construction, and electronics industries, are rising in importance and have surpassed textiles within Turkey's export mix. Oil began to flow through the Baku-Tbilisi-Ceyhan pipeline in May 2006, marking a major milestone that will bring up to 1 million barrels per day from the Caspian to market. Several gas pipelines projects also are moving forward to help transport Central Asian gas to Europe through Turkey, which over the long term will help address Turkey's dependence on imported oil and gas to meet 97% of its energy needs. After Turkey experienced a severe financial crisis in 2001, Ankara adopted financial and fiscal reforms as part of an IMF program. The reforms strengthened the country's economic fundamentals and ushered in an era of strong growth - averaging more than 6% annually until 2008. Global economic conditions and tighter fiscal policy caused GDP to contract in 2009, but Turkey's well-regulated financial markets and banking system helped the country weather the global financial crisis and GDP rebounded strongly to 9.2% in 2010, as exports returned to normal levels following the recession. Growth dropped to approximately 3% in 2012. Turkey's public sector debt to GDP ratio has fallen to about 40%, and at least one rating agency upgraded Turkey's debt to investment grade in 2012. Turkey remains dependent on often volatile, short-term investment to finance its large trade deficit. The stock value of FDI stood at $117 billion at year-end 2012. Inflows have slowed because of continuing economic turmoil in Europe, the source of much of Turkey's FDI. Turkey's relatively high current account deficit, uncertainty related to monetary policy-making, and political turmoil within Turkey's neighborhood leave the economy vulnerable to destabilizing shifts in investor confidence.

Source : CIA

 


Company name and address

 

BURGAN BANK AS                                                                                                                                   

 

 

Tekfen Tower

Esentepe Mah. Buyukdere Cad. No:209

Sisli 4. Levent

Istanbul, 34394

Turkey

 

 

Tel:

90-212-3713737

Fax:

90-212-3714242

 

www.eurobanktekfen.com

 

Employees:

743

Company Type:

Private Subsidiary

Corporate Family:

34 Companies

Ultimate Parent:

Kuwait Projects Company Holding KSCC

 

 

Incorporation Date:

1989

Auditor:

Price Waterhouse

Financials in:

 

Fiscal Year End:

31-Dec-2011

Reporting Currency:

New Turkish Lira

Annual Sales:

127.4  1

Net Income:

22.2

Total Assets:

2,606.5  2

 

 

Business Description          

 

 

Eurobank Tekfen AS (the Bank) is a Turkey-based company that is engaged in banking activities. Its services include Retail Banking, including deposit accounts and credit cards; Small Business Banking, including investment products and credit guarantee fund; Commercial Banking, including trade finance and insurance products; Corporate Banking, including cash management and treasury products, and Private Banking. Additionally, the Bank offers online banking services. The Bank provides banking services with 60 branches, fully authorized in all banking operations. The Bank’s subsidiaries are EFG Finansal Kiralama AS, engaged in financial leasing, and EFG Istanbul Menkul Degerler AS, engaged in brokerage services. Its largest shareholder is Eurobank EFG Holding (Luxembourg S.A.), which hold 70.13% of the Bank’s shares. For the fiscal year ended 31 December 2011, Burgan Bank AS interest income increased 4% to TRY421.3M. Net interest income after loan loss provision increased 10% to TRY88.8M. Net income increased from TRY15.2M to TRY37.4M. Net interest income after loan loss provision reflects Interest on Loans increase of 43% to TRY214.6M, Available-for-sale Financial Assets increase from TRY30.9M to TRY68.9M.

 

 

Industry

 

 

Industry

Commercial Banks

ANZSIC 2006:

6221 - Banking

NACE 2002:

6512 - Other monetary intermediation

NAICS 2002:

52211 - Commercial Banking

UK SIC 2003:

65121 - Banks

UK SIC 2007:

64191 - Banks

US SIC 1987:

6029 - Commercial Banks, Not Elsewhere Classified

 

 

Key Executives

 

Name

Title

Esra Aydin

Vice General Manager - Operations Group

Osman Reha Yolalan

Member of the Board, Internal Audit and Risk Management Director

Fatma Atalay

Vice General Manager Private Banking

Mehmet Nazmi Erten

Chairman of the Board

Nikolaos V. Karamouzis

Vice Chairman of the Board

 

 

News

 

 

Title

Date

Kuwait Projects Co acquires FI...
Di-ve.com (388 Words)

30-May-2013

Kuwait Projects Co acquires...
Di-ve.com (388 Words)

30-May-2013

Kuwaits Burgan gets nod for Malta bank deal
Big News Network (102 Words)

30-May-2013

Burgan Bank, United Gulf Bank Get Approval to Buy FIMBank Stake
BusinessWeek (146 Words)

30-May-2013

Burgan Bank cleared to acquire stake in Maltese lender
Gulf News (170 Words)

30-May-2013

Kuwait's Burgan Gets Approval For Stake Buy In Maltese Bank
Gulf Business (132 Words)

30-May-2013

 

1 - Profit & Loss Item Exchange Rate: USD 1 = TRY 1.679558
2 - Balance Sheet Item Exchange Rate: USD 1 = TRY 1.8886

 

 

Corporate Overview

 

Location
Tekfen Tower
Esentepe Mah. Buyukdere Cad. No:209
Sisli 4. Levent
Istanbul, 34394
Turkey

 

Tel:

90-212-3713737

Fax:

90-212-3714242

 

www.eurobanktekfen.com

Sales TRY(mil):

214.1

Assets TRY(mil):

4,922.7

Employees:

743

Fiscal Year End:

31-Dec-2011

 

Industry:

Commercial Banks

Incorporation Date:

1989

Company Type:

Private Subsidiary

Quoted Status:

Not Quoted

Previous Name:

Tekfenbank AS

 

Chairman of the Board:

Mehmet Nazmi Erten

 

 

Industry Codes

 

ANZSIC 2006 Codes:

6221

-

Banking

6419

-

Other Auxiliary Finance and Investment Services

6322

-

General Insurance

6310

-

Life Insurance

6230

-

Non-Depository Financing

 

NACE 2002 Codes:

6512

-

Other monetary intermediation

6713

-

Activities auxiliary to financial intermediation not elsewhere classified

6603

-

Non-life insurance

6522

-

Other credit granting

6601

-

Life insurance

 

NAICS 2002 Codes:

52211

-

Commercial Banking

524113

-

Direct Life Insurance Carriers

523930

-

Investment Advice

522291

-

Consumer Lending

524126

-

Direct Property and Casualty Insurance Carriers

522310

-

Mortgage and Nonmortgage Loan Brokers

 

US SIC 1987:

6029

-

Commercial Banks, Not Elsewhere Classified

6311

-

Life Insurance

6282

-

Investment Advice

6141

-

Personal Credit Institutions

6331

-

Fire, Marine, and Casualty Insurance

6163

-

Loan Brokers

 

UK SIC 2003:

65121

-

Banks

6713

-

Activities auxiliary to financial intermediation not elsewhere classified

66031

-

Non-life insurance

6601

-

Life insurance

6522

-

Other credit granting

 

UK SIC 2007:

64191

-

Banks

6619

-

Other activities auxiliary to financial services, except insurance and pension funding

6512

-

Non-life insurance

6492

-

Other credit granting

6511

-

Life insurance

 

Business Description

 

Eurobank Tekfen AS (the Bank) is a Turkey-based company that is engaged in banking activities. Its services include Retail Banking, including deposit accounts and credit cards; Small Business Banking, including investment products and credit guarantee fund; Commercial Banking, including trade finance and insurance products; Corporate Banking, including cash management and treasury products, and Private Banking. Additionally, the Bank offers online banking services. The Bank provides banking services with 60 branches, fully authorized in all banking operations. The Bank’s subsidiaries are EFG Finansal Kiralama AS, engaged in financial leasing, and EFG Istanbul Menkul Degerler AS, engaged in brokerage services. Its largest shareholder is Eurobank EFG Holding (Luxembourg S.A.), which hold 70.13% of the Bank’s shares. For the fiscal year ended 31 December 2011, Burgan Bank AS interest income increased 4% to TRY421.3M. Net interest income after loan loss provision increased 10% to TRY88.8M. Net income increased from TRY15.2M to TRY37.4M. Net interest income after loan loss provision reflects Interest on Loans increase of 43% to TRY214.6M, Available-for-sale Financial Assets increase from TRY30.9M to TRY68.9M.

 

More Business Descriptions

 

Investment bank

 

Investment & Finance Banking Services

 

 

Financial Data

 

Financials in:

TRY(mil)

 

Revenue:

214.1

Net Income:

37.4

Assets:

4,922.7

Long Term Debt:

0.0

 

Total Liabilities:

4,293.9

 

 

 

Date of Financial Data:

31-Dec-2011

 

1 Year Growth

29.6%

NA

NA

 

 

Subsidiaries

 

Company

Percentage Owned

Country

EFG Finansal Kiralama AS

99.99%

TURKEY

EFG Istanbul Menkul Degerler AS

99.99%

TURKEY

 

 

Key Corporate Relationships

 

Auditor:

Price Waterhouse

 

Auditor:

PricewaterhouseCoopers, Price Waterhouse

 

 

Corporate Family      

 

Corporate Structure News:

Burgan Bank AS
Total Corporate Family Members: 34

 

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

Source

Kuwait Projects Company Holding KSCC

Parent

Kuwait City

Kuwait

Commercial Banks

1,582.4

695

RT

Kuwait Hotels Company KSC

Holding

Kuwait City

Kuwait

Restaurants

43.6

2,500

RT

Safat Catering Services Company

Subsidiary

Safat

Kuwait

Restaurants

 

 

GW

Safir International Hotel Management Company

Subsidiary

Safat

Kuwait

Hotels and Motels

 

 

GW

United Industries Company

Holding

Kuwait City

Kuwait

Food Processing

0.0

993

RT

Gulf D T H L L C

Subsidiary

Dubai

United Arab Emirates

Broadcasting and Cable Television

 

600

D&B

Burqan Bank SAK

Holding

Kuwait City

Kuwait

Commercial Banks

689.0

528

RT

Jordan Kuwait Bank Co

Subsidiary

Amman

Jordan

Commercial Banks

147.5

946

RT

United Financial Investment Co PLC

Subsidiary

Amman

Jordan

Investment Services

2.0

14

RT

Burgan Bank AS

Subsidiary

Istanbul

Turkey

Commercial Banks

127.4

743

RT

Bank of Baghdad PJSC

Subsidiary

Baghdad

Iraq

Commercial Banks

 

631

GW

Algeria Gulf Bank SPA

Subsidiary

Algiers

Algeria

Commercial Banks

 

 

GW

United Gulf Bank B.S.C.

Subsidiary

Manama

Bahrain

Investment Services

48.7

304

RT

Kipco Asset Management Co KSCC

Subsidiary

Kuwait City

Kuwait

Investment Services

21.2

119

RT

KIPCO Asset Management Company K.S.C.C.

Subsidiary

Al-Sharq

Kuwait

Investment Services

21.0

118

LEX

Tunis International Bank

Subsidiary

Tunis

Tunisia

Commercial Banks

25.4

100

RT

United Gulf Bank Securities Company B.S.C.

Subsidiary

Manama

Bahrain

Investment Services

 

75

LEX

United Real Estate Company KSC

Holding

Safat

Kuwait

Real Estate Operations

 

155

GW

Kuwait United Construction Management Company (KUCM)

Subsidiary

Safat

Kuwait

Business Services

 

50

GW

Kuwait United Facilities Management Company S.A.K. (Closed)

Subsidiary

Kuwait

Kuwait

Real Estate Operations

 

50

LEX

United Lebanese Real Estate Company S.A.L

Subsidiary

Beirut

Lebanon

Real Estate Operations

 

8

LEX

United Universal Real Estate W.L.L

Subsidiary

Kuwait

Kuwait

Real Estate Operations

 

5

LEX

Dhiyafa Holding Company S.A.L.

Subsidiary

Beirut

Lebanon

Investment Services

 

 

LEX

Gulf Egypt for Hotels & Tourism S.A.E

Subsidiary

Cairo

Egypt

Hotels and Motels

 

 

LEX

Amaken United Real Estate Company K.S.C (Closed)

Subsidiary

Kuwait

Kuwait

Real Estate Operations

 

 

LEX

Pulsar Knowledge Centre Pvt. Ltd.

Subsidiary

Gurgaon

India

Investment Services

 

60

LEX

United Gulf Management Ltd.

Subsidiary

London

United Kingdom

Business Services

0.8

6

EXP

Hunter Capital Group, LLC

Subsidiary

Park City, UT

United States

Investment Services

2.8

4

LEX

Prospector Equity Capital, L.P.

Subsidiary

Park City, UT

United States

Investment Services

2.2

3

LEX

Al Atoun Steel Industries Company

Subsidiary

Jeddah

Saudi Arabia

Iron and Steel

 

 

LEX

United Universal Real Estate Consulting Company

Subsidiary

Kuwait

Kuwait

Real Estate Operations

 

 

LEX

United Networks Company KSCC

Subsidiary

Safat

Kuwait

Miscellaneous Financial Services

 

 

GW

Gulfnet Communications Company WLL

Subsidiary

Safat

Kuwait

Communications Services

 

 

GW

Gulfsat Communications Company KSCC

Subsidiary

Safat

Kuwait

Broadcasting and Cable Television

 

 

GW

 

 

 

Board of Directors

 

Name

Title

Function

Mehmet Nazmi Erten

 

Chairman of the Board

Chairman

Biography:

Mr. Mehmet Nazmi Erten is Chairman of the Board of Eurobank Tekfen AS. He is also Chairman of the Credit Committee of the Company.

Nikolaos V. Karamouzis

 

Vice Chairman of the Board

Vice-Chairman

 

Biography:

Prof. Dr. Nikolaos B. Karamouzis is Vice Chairman of the Board of Eurobank Tekfen AS. He is also Deputy Chief Executive Officer and Executive Member of the Board of Directors of EFG Eurobank Ergasias S.A., and serves as Member of the Risk, Executive and Strategic Planning Committes. He is Head of Corporate Banking, Investment Banking, Capital Markets, Private Banking and Institutional Asset Management. Prof. Dr. Karamouzis is Assistant Professor at the University of Piraeus in the Department of Banking and Financial Administration and served as Deputy Governor at the National Bank of Greece, Chairman and Deputy Governor of the National Investment Bank for Industrial Development, Deputy Governor of ETVA Bank, Director of the Foreign Exchange Division of the Bank of Greece and Advisor at the Federal Reserve Bank of Cleveland at Ohio of the United States. He holds a Bachelor degree in Economics from University of Piraeus, a Master degree in Economics from the American University and a Ph.D degree on Economics from Pennsylvania State University.

Age: 61

Education:

Pennsylvania State University, PHD (Economics)
American University, Washington D.C., M (Economics)
University of Piraeus, B (Economics)

Aikaterini Delikoura

 

Member of the Board

Director/Board Member

 

Biography:

Ms. Aikaterini Delikoura is Board Member of Eurobank Tekfen AS. She is also Member of the Risk and Credit Committees of the Company.

Paula Hadjisotiriou

 

Member of the Board

Director/Board Member

 

Biography:

Ms. Paula Hadjisotiriou is Board Member of Eurobank Tekfen AS. She is also Chairman of the Risk and Member of the Audit Committee of the Company.

Ahmet Ipekci

 

Member of the Board

Director/Board Member

 

Biography:

Dr. Ahmet Ipekci is Board Member of Eurobank Tekfen AS. He has been performing as Vice President of Investment and Service Companies Group in Tekfen Holding A.S. since 2000. Prior to his current position, he was performing as Finance Coordinator of the Holding, which is a post he held from 1994. Dr. Ipekci acted as Chairman of Tekfen Kultur Sanat Urunleri Yapim ve Yayin San. Tic. A.S., Tekfen Dis Tic. A.S., Kablotek Kablo Sebekeleri Tesis Isletme Muhendislik Ins. Tic. ve San. A.S., Karaca Giyim San. ve Tic. A.S., Karaca Pazarlama ve Tic. A.S., HMB Hallesche Mitteldeutsche Bau-A.G., Papfen Joint Stock Company, Tekfen Turizm ve Isletmecilik A.S., Belpa Belediye Tuketim Mallari Ith. Ihr. Tic. Yatirim A.S. and Tarsan Endustri Yatirimlari A.S. He also served as Vice Chairman of Ucgen Bakim ve Yonetim Hizmetleri A.S. and Antalya Studyolari A.S., and Board Member of Tekfen Endustri ve Tic. A.S., Tekfen Insaat ve Tesisat A.S., Toros Tarim San. ve Tic. A.S. and Tekfen Emlak Gelistirme Yatirim ve Tic. A.S. He was a partner and Manager of Ipekci Turizm Ticaret Yatirimi Insaat Ic ve Dis Tic. Ltd. Sti. Dr. Ipekci began his career in 1968, as Teaching Assistant in Iktisadi Ticari Ilimler Akademisi (Academy of Economic Sciences), where he became Assistant Professor in 1977, and served as a faculty member between 1977 and 1982. He joined Tekfen Insaat ve Tesisat A.S. as Financial and Administrative Affairs Vice General Manager in 1982, and held this position until 1992. He was Board Member of Tekfenbank from 1989 until 2007. He still acts as Board Member of several Tekfen Group companies, including Tekfen Insaat, Toros Tarim and Eurobank Tekfen. Dr. Ipekci received Bachelors degree from the Economics and Commercial Sciences Academy of Istanbul Universitesi in 1968, and his Ph.D. degree from the Faculty of Economics of Istanbul Universitesi in 1972. He received his Docent title from Istanbul Universitesi Faculty of Business Administration in 1977.

Age: 68

Education:

Istanbul Universitesi, PHD
Istanbul Universitesi, B

Evangelos Kavvalos

 

Member of the Board

Director/Board Member

 

Georgios Marinos

 

Director

Director/Board Member

 

George Marinos

 

Member of the Board

Director/Board Member

 

Biography:

Mr. George Marinos is Board Member of Eurobank Tekfen AS. He is also Member of the Risk and Credit Committees of the Company.

Giorgio Pradelli

 

Member of the Board

Director/Board Member

 

Mehmet Gani Sonmez

 

General Manager, Member of the Board

Director/Board Member

 

Biography:

Mr. Mehmet Gani Sonmez is General Manager and Board Member of Eurobank Tekfen AS. He is also Member of the Credit Committee of the Company.

Osman Reha Yolalan

 

Member of the Board, Internal Audit and Risk Management Director

Director/Board Member

 

Biography:

Asst. Prof. Osman Reha Yolalan is Board Member and Internal Audit and Risk Management Director of Eurobank Tekfen AS. He is also Chairman of the Audit Committee of the Company. He has also been performing as Vice President of Corporate Affairs in Tekfen Holding A.S. since 2006. He joined the Tekfen Group in 2006, as Board Member of Tekfenbank A.S. He previously served as Board Member of Toros Tarim San. ve Tic. A.S. and Toros Gayrimenkul Yatirimi A.S. He began his career in Yapi ve Kredi Bankasi A.S. in 1991, as Associate Consultant in the Strategic Planning Group. Between 1994 and 2000, he was appointed as Vice General Manager of the Corporate and Economic Researches Unit of the bank. From 2000 until 2004, he worked as Executive Vice General Manager of Financial Analysis and Credit Risk Management Unit. Between 2004 and 2005, he performed as General Manager of Yapi ve Kredi Bankasi A.S. Asst. Prof. Yolalan received his Bachelors degree in Industrial Engineering from Istanbul Teknik Universitesi in 1984; his MSc degree in Industrial Engineering from Bogazici Universitesi in 1987, and his Ph.D. in Management Sciences from Universite Laval in 1990. He received his Associate Professorship in Industrial Engineering - Operations Research Decision Analysis from Interuniversity Board in 2000.

Age: 51

Education:

Universite Laval, PHD (Management Science)
Bogazici Universitesi, MS (Industrial Engineering)
Istanbul Teknik Universitesi, B (Industrial Engineering)

B Elif Bilgi Zapparoli

 

Director

Director/Board Member

 

 

 

Executives

 

Name

Title

Function

Mutlu Akpara

 

Vice General Manager - Fund Management and Capital Markets Group

Division Head Executive

Biography:

Mr. Mutlu Akpara is Vice General Manager of Fund and Management and Capital Markets Group of Eurobank Tekfen AS. He has a Masters degree and 11 years of work experience.

Nese Atabey

 

Vice General Manager - SME Commercial Banking Group

Division Head Executive

 

Biography:

Ms. Nese Atabey is Vice General Manager of SME Commercial Banking Group of Eurobank Tekfen AS. She has an undergraduate degree and 24 years of work experience.

Fatma Atalay

 

Vice General Manager Private Banking

Division Head Executive

 

Fatma Aliye Atalay

 

Vice General Manager - Private Banking Group

Division Head Executive

 

Biography:

Ms. Fatma Aliye Atalay is Vice General Manager of Private Banking Group of Eurobank Tekfen AS. She has a Masters degree and 15 years of work experience.

Esra Aydin

 

Vice General Manager - Operations Group

Division Head Executive

 

Biography:

Ms. Esra Aydin is Vice General Manager of Operations Group of Eurobank Tekfen AS. She has an undergraduate degree and 16 years of work experience.

Ferudun Canbay

 

Group Head of Risk Management

Division Head Executive

 

Sebnem Donbekci

 

Vice General Manager - Retail Banking Group

Division Head Executive

 

Biography:

Ms. Sebnem Donbekci is Vice General Manager of Retail Banking Group of Eurobank Tekfen AS. She has a Masters degree and 15 years of work experience.

Soner Ersoy

 

Vice General Manager - Information Systems Group

Division Head Executive

 

Biography:

Mr. Soner Ersoy is Vice General Manager of Information Systems Group of Eurobank Tekfen AS. He has an undergraduate degree and 12 years of work experience.

Fedon Hacaki

 

Vice General Manager - Credits

Division Head Executive

 

Biography:

Mr. Fedon Hacaki is Vice General Manager of Credits at Eurobank Tekfen AS. He has a Masters degree.

Ayse Idil Kural

 

Vice General Manager - Financial Affairs

Division Head Executive

 

Biography:

Ms. Ayse Idil Kural is Vice General Manager of Financial Affairs at Eurobank Tekfen AS. She has a Bachelors degree and 12 years of work experience.

Huseyn Oge

 

Vice General Manager Finance

Division Head Executive

 

Huseyin Cem Oge

 

Vice General Manager - Corporate Banking

Division Head Executive

 

Biography:

Mr. Huseyin Cem Oge is Vice General Manager of Corporate Banking at Eurobank Tekfen AS. He has a Masters degree and 13 years of work experience.

Bulent Nur Ozkan

 

Senior Vice General Manager

Division Head Executive

 

Biography:

Mr. Bulent Nur Ozkan is Senior Vice General Manager of Eurobank Tekfen AS. He was working in Fortis Bank AS as Executive Vice President of the bank responsible for Commercial Banking. He also served as Member of the Risk, and Active Passive Committees of Fortis Bank. He worked in several companies, and gained experience in banking before joining Fortis Bank A.S. in 2000. He has 20 years of working experience. Mr. Ozkan graduated from Istanbul Universitesi with a degree in Public Administration.

Age: 50

Education:

Istanbul Universitesi (Public Administration)

Mehmet Gani Sonmez

 

General Manager, Member of the Board

Division Head Executive

 

Biography:

Mr. Mehmet Gani Sonmez is General Manager and Board Member of Eurobank Tekfen AS. He is also Member of the Credit Committee of the Company.

Ahmet Turkselci

 

Vice General Manager - Human Resources Group

Division Head Executive

 

Biography:

Mr. Ahmet Turkselci is Vice General Manager of Human Resources Group of Eurobank Tekfen AS. He has a Bachelors degree and 23 years of work experience.

Zeliha Veral

 

Vice General Manager Transaction Banking

Division Head Executive

 

Z. Deniz Veral

 

Vice General Manager - Transactions Banking Group

Division Head Executive

 

Cihan Vural

 

Vice General Manager - Internal Control and Audit

Division Head Executive

 

Biography:

Mr. Cihan Vural is Vice General Manager of Internal Control and Audit of Eurobank Tekfen AS. He has an undergraduate degree and 13 years of work experience.

Osman Reha Yolalan

 

Member of the Board, Internal Audit and Risk Management Director

Insurance Executive

 

Biography:

Asst. Prof. Osman Reha Yolalan is Board Member and Internal Audit and Risk Management Director of Eurobank Tekfen AS. He is also Chairman of the Audit Committee of the Company. He has also been performing as Vice President of Corporate Affairs in Tekfen Holding A.S. since 2006. He joined the Tekfen Group in 2006, as Board Member of Tekfenbank A.S. He previously served as Board Member of Toros Tarim San. ve Tic. A.S. and Toros Gayrimenkul Yatirimi A.S. He began his career in Yapi ve Kredi Bankasi A.S. in 1991, as Associate Consultant in the Strategic Planning Group. Between 1994 and 2000, he was appointed as Vice General Manager of the Corporate and Economic Researches Unit of the bank. From 2000 until 2004, he worked as Executive Vice General Manager of Financial Analysis and Credit Risk Management Unit. Between 2004 and 2005, he performed as General Manager of Yapi ve Kredi Bankasi A.S. Asst. Prof. Yolalan received his Bachelors degree in Industrial Engineering from Istanbul Teknik Universitesi in 1984; his MSc degree in Industrial Engineering from Bogazici Universitesi in 1987, and his Ph.D. in Management Sciences from Universite Laval in 1990. He received his Associate Professorship in Industrial Engineering - Operations Research Decision Analysis from Interuniversity Board in 2000.

Age: 51

Education:

Universite Laval, PHD (Management Science)
Bogazici Universitesi, MS (Industrial Engineering)
Istanbul Teknik Universitesi, B (Industrial Engineering)

Ozge Ascioglu

 

Head of the Inspection Board

Other

 

Ozkan Hacioglu

 

Head of Internal Control Center

Other

 

 

 

News

 


Kuwait Projects Co acquires FI...
Di-ve.com (388 Words)

30-May-2013

Kuwait Projects Co acquires...
Di-ve.com (388 Words)

30-May-2013

Kuwaits Burgan gets nod for Malta bank deal
Big News Network (102 Words)

30-May-2013

Burgan Bank, United Gulf Bank Get Approval to Buy FIMBank Stake
BusinessWeek (146 Words)

30-May-2013

Burgan Bank cleared to acquire stake in Maltese lender
Gulf News (170 Words)

30-May-2013

Kuwait's Burgan Gets Approval For Stake Buy In Maltese Bank
Gulf Business (132 Words)

30-May-2013

Kuwait's Burgan gets approval for stake buy in Maltese bank
Reuters (44 Words)

30-May-2013

Kuwait's Burgan gets nod for Malta bank deal
Arabian Business (74 Words)

30-May-2013

Burgan Bank SAK Receives Malta Financial Services Authority Approval to Acquire 25% of FIMBank plc
Reuters (24 Words)

30-May-2013

Kuwait's Burgan gets approval for stake buy in Maltese bank
CPI Financial (75 Words)

30-May-2013

Kuwait s Burgan gets nod for Malta bank deal
ArabianBusiness.com (76 Words)

30-May-2013

 

Annual Income Statement

 

Financials in: USD (mil) 

Except for share items (millions) and per share items (actual units)           

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate (Period Average)

1.679558

1.507473

1.553646

Auditor

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified with Explanation

Unqualified with Explanation

 

 

 

 

    Interest & Fees on Loans

127.8

99.3

112.0

    Interest & Dividends on Investment Securities

61.7

123.8

136.4

    Interest on Deposits

35.2

28.0

17.1

    Other Interest Income

22.9

13.3

19.6

    Trading Account Interest

3.3

3.7

5.4

Interest Income, Bank

250.9

268.0

290.4

    Interest on Deposit

99.8

86.9

101.1

    Interest on Other Borrowings

86.2

115.1

111.5

Total Interest Expense

186.0

202.0

212.5

Net Interest Income

64.8

66.0

77.9

 

 

 

 

Loan Loss Provision

12.0

12.5

37.9

Net Interest Income after Loan Loss Provision

52.9

53.5

40.1

 

 

 

 

    Fees & Commissions from Operations

20.6

20.3

40.8

    Dealer Trading Account Profit

22.6

17.0

23.0

    Other Unusual Income

0.0

0.0

0.0

    Other Revenue

19.0

5.2

2.8

Non-Interest Income, Bank

62.6

43.6

68.4

    Other Expense

-90.0

-84.3

-79.7

Non-Interest Expense, Bank

-90.0

-84.3

-79.7

Income Before Tax

25.5

12.8

28.8

 

 

 

 

Total Income Tax

3.2

2.7

5.0

Income After Tax

22.2

10.1

23.8

 

 

 

 

Net Income Before Extraord Items

22.2

10.1

23.8

Net Income

22.2

10.1

23.8

 

 

 

 

Income Available to Common Excl Extraord Items

22.2

10.1

23.8

 

 

 

 

Income Available to Common Incl Extraord Items

22.2

10.1

23.8

 

 

 

 

Basic/Primary Weighted Average Shares

57,000.0

38,000.0

36,903.9

Basic EPS Excl Extraord Items

0.00

0.00

0.00

Basic/Primary EPS Incl Extraord Items

0.00

0.00

0.00

Diluted Net Income

22.2

10.1

23.8

Diluted Weighted Average Shares

57,000.0

38,000.0

36,903.9

Diluted EPS Excl Extraord Items

0.00

0.00

0.00

Diluted EPS Incl Extraord Items

0.00

0.00

0.00

Depreciation, Supplemental

4.4

3.6

3.1

Total Special Items

-0.4

-1.0

-1.9

Normalized Income Before Tax

25.1

11.8

26.9

 

 

 

 

Effect of Special Items on Income Taxes

-0.1

-0.2

-0.3

Inc Tax Ex Impact of Sp Items

3.2

2.5

4.7

Normalized Income After Tax

21.9

9.3

22.2

 

 

 

 

Normalized Inc. Avail to Com.

21.9

9.3

22.2

 

 

 

 

Basic Normalized EPS

0.00

0.00

0.00

Diluted Normalized EPS

0.00

0.00

0.00

Amort of Intangibles, Supplemental

1.6

1.5

0.8

Bank Total Revenue

127.4

109.6

146.3

 

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate

1.8886

1.539

1.49895

Auditor

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified with Explanation

Unqualified with Explanation

 

 

 

 

Cash & Due from Banks

418.0

470.2

494.1

    Trading Account Assets

216.0

112.9

87.6

    Other Short Term Investments

0.0

0.0

18.8

        Securities Held

88.8

623.5

662.7

        Securities for Sale

462.0

228.4

301.8

    Total Investment Securities

550.8

852.0

964.5

Other Earning Assets, Total

766.8

964.8

1,070.9

    Unearned Income

0.0

0.0

-31.7

Net Loans

1,232.8

1,053.2

812.9

Property/Plant/Equipment - Net

16.0

20.3

28.0

Goodwill, Net

0.0

0.0

42.7

Intangibles, Net

10.9

11.8

2.8

    LT Investment - Affiliate Companies

71.1

87.3

-

Long Term Investments

71.1

87.3

-

    Deferred Income Tax - Long Term Asset

6.5

10.5

14.0

Other Long Term Assets, Total

6.5

10.5

14.0

    Interest Receivable

68.3

59.1

209.5

    Other Assets

16.0

19.8

23.6

Other Assets, Total

84.3

79.0

233.1

Total Assets

2,606.5

2,697.1

2,698.4

 

 

 

 

Accounts Payable

19.2

10.8

11.9

    Interest Bearing Deposits

1,203.6

1,227.3

1,187.7

Total Deposits

1,203.6

1,227.3

1,187.7

    Other Bearing Liabilities

29.0

25.5

14.7

Other Bearing Liabilities, Total

29.0

25.5

14.7

    Fed Funds Purch/Secs Sold under Repurch Agrmnt

447.7

373.4

281.8

Total Short Term Borrowings

957.3

963.0

981.6

    Income Taxes Payable

5.7

4.2

4.6

Other Current liabilities, Total

5.7

4.2

4.6

    Long Term Debt

0.0

120.3

123.5

Total Long Term Debt

0.0

120.3

123.5

Total Debt

957.3

1,083.3

1,105.1

 

 

 

 

    Other Liabilities

58.7

55.2

47.9

Other Liabilities, Total

58.7

55.2

47.9

Total Liabilities

2,273.6

2,406.3

2,371.8

 

 

 

 

Additional Paid-In Capital

301.8

246.9

253.5

Retained Earnings (Accumulated Deficit)

31.1

43.9

73.1

Total Equity

332.9

290.8

326.6

 

 

 

 

Total Liabilities & Shareholders’ Equity

2,606.5

2,697.1

2,698.4

 

 

 

 

    Shares Outstanding - Common Stock Primary Issue

5,700.0

38,000.0

36,903.9

Total Common Shares Outstanding

5,700.0

38,000.0

36,903.9

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate (Period Average)

1.679558

1.507473

1.553646

Auditor

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified with Explanation

Unqualified with Explanation

 

 

 

 

Cash Receipts

258.1

279.7

321.5

Cash Taxes Paid

-

-

-21.9

Cash Interest Paid

-194.2

-205.6

-224.7

    Other Assets

-42.9

116.0

-257.4

    Other Liabilities

-169.0

-218.6

182.9

    Other Operating Cash Flow

-52.6

-77.4

-1.5

Changes in Working Capital

-264.6

-180.0

-76.0

Cash from Operating Activities

-200.7

-105.9

-1.2

 

 

 

 

    Purchase of Fixed Assets

-

-

-5.6

Capital Expenditures

-

-

-5.6

    Sale of Fixed Assets

-306.1

0.0

0.2

    Sale/Maturity of Investment

454.9

105.1

124.3

    Purchase of Investments

-6.2

-21.2

-0.3

Other Investing Cash Flow Items, Total

142.5

83.9

124.2

Cash from Investing Activities

142.5

83.9

118.6

 

 

 

 

    Other Financing Cash Flow

88.9

-0.8

80.4

Financing Cash Flow Items

88.9

-0.8

80.4

Cash from Financing Activities

88.9

-0.8

80.4

 

 

 

 

Foreign Exchange Effects

1.3

3.3

-2.4

Net Change in Cash

32.1

-19.5

195.4

 

 

 

 

Net Cash - Beginning Balance

386.8

450.4

248.5

Net Cash - Ending Balance

418.9

431.0

444.0

 

 

Annual Income Statement

 

Financials in: USD (mil) 

Except for share items (millions) and per share items (actual units)           

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate (Period Average)

1.679558

1.507473

1.553646

Auditor

Basaran Nas Serbest Muhasebeci

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified with Explanation

 

 

 

 

    Interest on Loans

127.8

99.3

112.0

    Interest Received fromReserve Requiremen

0.0

2.5

4.9

    Interest Received fromBanks

35.2

28.0

17.1

    Interest Received fromMoneyMarket Transa

0.7

0.7

1.4

    Trading Financial Assets

3.3

3.7

5.4

    Available-for-sale Financial Assets

41.0

20.5

32.3

    Held-to-maturityInvestments

19.9

102.6

102.7

    Financial Lease Income

0.0

0.0

9.3

    Other Interest Income

22.9

10.8

5.4

Total Revenue

250.9

268.0

290.4

 

 

 

 

    Interest onDeposits (-)

81.0

76.7

92.4

    Interest on Funds Borrowed (-)

51.6

89.1

94.3

    Interest Expense onMoneyMarket Transacti

34.6

26.0

17.1

    Other Interest Expenses (-)

18.9

10.2

8.7

    Provision for loan losses & other receiv

12.0

12.5

37.9

Total Operating Expense

198.0

214.5

250.4

 

 

 

 

    Fees & Commissions Non-cash Loans

15.3

16.8

18.9

    Fees & Commissions Other

5.3

3.5

21.9

    Fees & Commissions Non-cash Loans (-)

0.0

0.0

-0.2

    Fees & Commissions Other (-)

-2.6

-1.8

-2.2

    Dividend income

14.9

0.0

0.1

    TradingGains/ (Losses) onSecurities

22.9

15.7

21.6

    TradingGains/ (Losses) onDerivative Fina

-0.3

1.4

1.4

    Foreign Exchange Gains/ (Losses)

0.4

1.0

1.9

    Other Operating Income

4.1

5.2

2.7

    Other Operating Expenses

-87.3

-82.5

-77.3

Total Non-Interest Revenue

62.6

43.6

68.4

 

 

 

 

Total Non-Interest Expense

-90.0

-84.3

-79.7

 

 

 

 

Net Income Before Taxes

25.5

12.8

28.8

 

 

 

 

Provision for Income Taxes

3.2

2.7

5.0

Net Income After Taxes

22.2

10.1

23.8

 

 

 

 

Net Income Before Extra. Items

22.2

10.1

23.8

Net Income

22.2

10.1

23.8

 

 

 

 

Income Available to Com Excl ExtraOrd

22.2

10.1

23.8

 

 

 

 

Income Available to Com Incl ExtraOrd

22.2

10.1

23.8

 

 

 

 

Basic Weighted Average Shares

57,000.0

38,000.0

36,903.9

Basic EPS Excluding ExtraOrdinary Items

0.00

0.00

0.00

Basic EPS Including ExtraOrdinary Items

0.00

0.00

0.00

Diluted Net Income

22.2

10.1

23.8

Diluted Weighted Average Shares

57,000.0

38,000.0

36,903.9

Diluted EPS Excluding ExtraOrd Items

0.00

0.00

0.00

Diluted EPS Including ExtraOrd Items

0.00

0.00

0.00

Normalized Income Before Taxes

25.1

11.8

26.9

 

 

 

 

Inc Tax Ex Impact of Sp Items

3.2

2.5

4.7

Normalized Income After Taxes

21.9

9.3

22.2

 

 

 

 

Normalized Inc. Avail to Com.

21.9

9.3

22.2

 

 

 

 

Basic Normalized EPS

0.00

0.00

0.00

Diluted Normalized EPS

0.00

0.00

0.00

Depreciation, Supplemental

4.4

3.6

3.1

Amort of Intangibles, Supplemental

1.6

1.5

0.8

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate

1.8886

1.539

1.49895

Auditor

Basaran Nas Serbest Muhasebeci

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified with Explanation

 

 

 

 

    Cash & balances with Central Bank

184.8

136.3

109.7

    Trading Govt. Debt. Securities

185.3

102.1

85.8

    Share Certificates

0.0

0.0

0.8

    TradingDerivative Financial Assets

30.7

10.7

1.1

    Other Marketable Securities

0.0

0.0

2.1

    Banks

233.2

333.9

384.4

    Interbank MoneyMarket Placements

0.0

0.0

16.7

    Share Certificates

2.1

1.9

2.0

    Government Debt Securities

451.9

220.9

298.4

    Loans to Banks Risk Group

0.1

0.1

0.2

    Other

1,213.5

1,019.6

793.4

    Loans under Follow-up

57.5

76.0

109.2

    Specific Provisions (-)

-38.2

-42.5

-58.1

    Factoring Receivables

68.3

59.1

55.6

    Affiliate Companies

71.1

87.3

-

    Government Debt Securities

88.8

623.5

662.7

    Financial Lease Receivables

0.0

0.0

153.9

    Unearned Income (- )

0.0

0.0

-31.7

    Property & Equipment

16.0

20.3

28.0

    Goodwill

0.0

0.0

42.7

    Other

10.9

11.8

2.8

    Current Tax Asset

0.1

0.0

3.5

    Deferred Tax Asset

6.5

10.5

14.0

    Held for Resale

8.0

5.6

1.4

    Other Assets

15.9

19.8

20.1

Total Assets

2,606.5

2,697.1

2,698.4

 

 

 

 

    Deposits of Banks Risk Group

357.1

333.0

407.2

    Other

846.6

894.3

780.5

    Trading Derivative Financial Liabilities

29.0

12.1

1.1

    Borrowings

509.6

589.7

699.8

    Funds fromIstanbulStock Exchange MoneyMa

0.0

0.0

10.1

    Funds Provided Under Repurchase Agreemen

447.7

373.4

271.7

    Miscellaneous Payables

19.1

10.2

11.9

    Other Liabilities

23.2

25.1

15.1

    Financial Lease Payables

0.1

0.7

0.0

    Fair Value Hedge

-

13.3

13.5

    General Loan Loss Provision

14.8

11.6

9.5

    Reserve for Employee Rights

8.0

8.3

8.5

    Other Provisions

12.6

10.2

14.8

    Current Tax Liability

5.7

4.2

4.6

    Subordinated Loans

0.0

120.3

123.5

Total Long Term Debt

0.0

120.3

123.5

 

 

 

 

Total Liabilities

2,273.6

2,406.3

2,371.8

 

 

 

 

    Paid-inCapital

301.8

246.9

253.5

    Tangible Assets RevaluationReserve

-2.0

1.6

4.9

    Tangible Assets RevaluationReserve(1)

1.8

2.2

5.2

    Other CapitalReserves

0.0

1.0

1.0

    LegalReserves

5.1

5.7

6.2

    ExtraordinaryReserves

6.4

23.5

30.1

    Prior Year's Income or (Loss)

0.0

0.0

1.1

    Current Year Income or (Loss)

19.8

9.9

24.6

Total Equity

332.9

290.8

326.6

 

 

 

 

Total Liabilities & Shareholders' Equity

2,606.5

2,697.1

2,698.4

 

 

 

 

    S/O-Common Stock

5,700.0

38,000.0

36,903.9

Total Common Shares Outstanding

5,700.0

38,000.0

36,903.9

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Filed Currency

TRY

TRY

TRY

Exchange Rate (Period Average)

1.679558

1.507473

1.553646

Auditor

Basaran Nas Serbest Muhasebeci

Basaran Nas Serbest Muhasebeci

PricewaterhouseCoopers LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified with Explanation

 

 

 

 

    Cash Receipts

258.1

279.7

321.5

    Cash Interest Paid

-194.2

-205.6

-224.7

    Cash Taxes Paid

-

-

-21.9

    Dividend received

14.9

0.0

0.1

    Fees and commissions received

17.9

18.5

38.4

    Collections frompreviouslywritten-off lo

22.0

27.7

17.9

    Payments to personneland service supplie

-44.0

-40.3

-41.9

    Other

-63.5

-83.1

-15.9

    Net (increase)/decrease intradingsecurit

-107.9

-29.3

37.3

    Net (increase)/decrease indue frombanks

-22.9

31.1

-15.8

    Net (increase)/decrease inloans

95.8

140.6

-243.7

    Net (increase)/decrease inother assets

-8.1

-26.4

-35.2

    Net increase/ (decrease) inbank deposits

0.0

0.0

-2.9

    Net increase/ (decrease) inother deposit

248.1

-4.7

45.4

    Net increase/ (decrease) in funds borrow

-430.9

-226.8

145.0

    Net increase/ (decrease) in other Liab.

13.9

12.9

-4.6

Cash from Operating Activities

-200.7

-105.9

-1.2

 

 

 

 

    Capital Expenditure

-

-

-5.6

    Disposals ofpropertyand equipment

-306.1

0.0

0.2

    Sale of AFS Assets

-

55.3

-

    Cashobtained fromsale ofinvestments avai

2.2

11.6

124.1

    Cashpaid for purchase of investment secu

-6.2

-21.2

-0.3

    Cashobtained fromsale ofinvestment secur

452.7

38.2

0.3

Cash from Investing Activities

142.5

83.9

118.6

 

 

 

 

    Payments for finance leases

-0.4

-0.8

-0.1

    Other

89.3

0.0

80.5

Cash from Financing Activities

88.9

-0.8

80.4

 

 

 

 

Foreign Exchange Effects

1.3

3.3

-2.4

Net Change in Cash

32.1

-19.5

195.4

 

 

 

 

Cash & Equivalents at beginning Period

386.8

450.4

248.5

Cash & Equivalents at Ending Period

418.9

431.0

444.0

 

 

Financial Health

 

Financials in: USD (mil) 

Except for share items (millions) and per share items (actual units)           

Key Indicators USD (mil)

 

Quarter
Ending

Quarter
Ending
Yr Ago

Annual
Year End
31-Dec-2011

1 Year
Growth

3 Year
Growth

5 Year
Growth

Total Revenue1 (?)

-

-

127.4

29.61%

-

-

Income Available to Common Excl Extraord Items1 (?)

-

-

22.2

146.24%

-

-

Basic EPS Excl Extraord Items1 (?)

-

-

0.00

75.00%

-

-

Cash from Operating Activities2 (?)

-

-

-200.7

-

-

-

Free Cash Flow (?)

-

-

-178.5

-

-

-

Total Assets3 (?)

-

-

2,606.5

18.59%

-

-

Total Liabilities3 (?)

-

-

2,273.6

15.95%

-

-

Total Long Term Debt3 (?)

-

-

0.0

-

-

-

Total Common Shares Outstanding3 (?)

-

-

5,700.0

-85.00%

-

-

1-ExchangeRate: TRY to USD Average for Period

 

 

1.679558

 

 

 

2-ExchangeRate: TRY to USD Average for Period

 

 

1.679558

 

 

 

3-ExchangeRate: TRY to USD Period End Date

 

 

1.888600

 

 

 

Banking Industry Specific USD (mil)

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

 

 

 

Interest Income, Bank1 (?)

250.9

268.0

290.4

 

 

 

Total Interest Expense1 (?)

186.0

202.0

212.5

 

 

 

Loan Loss Provision1 (?)

12.0

12.5

37.9

 

 

 

Cash & Due from Banks3 (?)

418.0

470.2

494.1

 

 

 

Total Deposits3 (?)

1,203.6

1,227.3

1,187.7

 

 

 

1-ExchangeRate: TRY to USD Average for Period

1.679558

1.507473

1.553646

 

 

 

3-ExchangeRate: TRY to USD Period End Date

1.888600

1.539000

1.498950

 

 

 

Key Ratios

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Profitability

Pretax Margin (?)

10.16%

4.77%

9.92%

Net Profit Margin (?)

8.87%

3.76%

8.18%

Financial Strength

Long Term Debt/Equity (?)

0.00

0.41

0.38

Total Debt/Equity (?)

2.88

3.72

3.38

Management Effectiveness

Return on Assets (?)

0.82%

0.37%

-

Return on Equity (?)

6.94%

3.24%

-

Efficiency

Receivables Turnover (?)

0.11

0.12

-

Asset Turnover (?)

0.05

0.04

-

 

 

© 1983-2013 Reuters Research Inc. All Rights Reserved.

Published by OneSource Information Services, Inc., May, 2013.

 

 Annual Ratios

 

Financials in: USD (mil) 

Except for share items (millions) and per share items (actual units)           

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Financial Strength

Long Term Debt/Equity (?)

0.00

0.41

0.38

Total Debt/Equity (?)

2.88

3.72

3.38

Long Term Debt/Total Capital (?)

0.00

0.29

0.27

Total Debt/Total Capital (?)

2.88

2.64

2.46

Effective Tax Rate (?)

12.73%

21.22%

17.52%

Total Capital1 (?)

332.9

411.1

450.1

 

 

 

 

Efficiency

Asset Turnover (?)

0.05

0.04

-

Receivables Turnover (?)

0.11

0.12

-

Days Receivables Outstanding (?)

3,366.98

3,137.63

-

 

 

 

 

Profitability

Pretax Margin (?)

10.16%

4.77%

9.92%

Net Profit Margin (?)

8.87%

3.76%

8.18%

 

 

 

 

Management Effectiveness

Return on Assets (?)

0.82%

0.37%

-

Return on Equity (?)

6.94%

3.24%

-

 

 

 

 

Valuation

Free Cash Flow/Share2 (?)

-0.03

0.00

0.00

Operating Cash Flow/Share 2 (?)

-0.03

0.00

-

1-ExchangeRate: TRY to USD Period End Date

1.8886

1.539

1.49895

2-ExchangeRate: TRY to USD Average for Period

1.8886

1.539

1.49895


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.56.49

UK Pound

1

Rs.86.81

Euro

1

Rs.73.68

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.