Income Statement of Banking Sector - 2025

INCOME STATEMENT OF BANKING SECTOR
Currency: Thsd TL
	YEAR 2025	JANUARY	FEBRUARY	MARCH	APRIL	MAY	JUNE	JULY	AUGUST	SEPTEMBER	OCTOBER	NOVEMBER	DECEMBER
	INTEREST INCOME :
1-	Interest from Loans	2,059,901	3,927,597	6,153,334	8,358,673	10,726,751	13,086,481	15,556,423	18,069,957	20,489,770	23,023,163	25,523,350	28,165,236
2-	Interest from Non-performing Loans	77,395	123,739	157,758	187,857	242,091	286,953	311,717	365,199	415,798	452,978	473,357	525,964
3-	Interest from Banks	1,418,510	2,645,806	4,078,695	5,554,937	7,290,018	9,134,638	11,073,566	13,030,257	14,938,688	16,893,716	18,876,525	20,988,344
4-	Interest from Interbank Money Market	1,542,453	2,962,492	4,411,273	6,113,424	7,847,254	9,760,023	11,807,880	13,711,877	15,716,889	17,771,724	19,726,049	21,970,226
5-	Interest from TRNC Development Bank Bonds/Bills	52,520	75,401	106,172	147,744	130,072	171,093	206,017	228,523	296,432	325,936	300,842	339,552
6-	Interest from other securities	276,817	565,104	927,253	1,284,254	1,710,575	2,115,142	2,547,924	3,008,176	3,338,545	3,750,861	4,241,620	4,708,418
7-	Interest from Reverse Repo Transactions	0	103	270	1,674	1,771	1,771	1,771	1,771	1,771	1,771	5,801	5,902
8-	Other Interest and Quisi-Interest and Revenue	79,902	152,897	236,376	323,779	413,414	501,981	598,978	702,477	785,095	873,461	968,339	1,156,426
9-	Total Interest Income (1+...+8)	5,507,498	10,453,139	16,071,131	21,972,342	28,361,946	35,058,082	42,104,276	49,118,237	55,982,988	63,093,610	70,115,883	77,860,068
	INTEREST EXPENSES
10-	Interest to Deposits	2,013,619	3,844,762	5,922,927	8,077,004	10,478,669	13,000,679	15,758,704	18,545,798	21,287,574	24,160,074	27,017,753	30,043,030
11-	Interest to Banks	589,570	1,150,242	1,702,102	2,330,767	2,994,011	4,748,331	5,765,727	6,793,313	7,827,318	8,915,032	10,019,115	11,232,841
12-	Interest to Interbank Money Market	670	886	2,571	3,439	3,877	4,371	4,773	5,075	5,717	6,499	7,399	8,377
13-	Interest to Issued Securities	2,619	5,794	9,170	13,647	18,089	22,064	27,613	34,030	40,473	45,834	51,111	57,168
14-	Interest to Repo Transactions	0	0	25	41	41	41	41	41	41	41	42	43
15-	Other Interest and Quasi-Interest Expenses	2,169	3,817	6,397	7,464	8,328	8,844	9,710	10,535	11,390	12,266	13,317	13,919
16-	Total Interest Expenses (10+...+15)	2,608,647	5,005,501	7,643,192	10,432,362	13,503,015	17,784,330	21,566,568	25,388,792	29,172,513	33,139,746	37,108,737	41,355,378
17-	Net Interest Income (Expense) (9-16)	2,898,851	5,447,638	8,427,939	11,539,980	14,858,931	17,273,752	20,537,708	23,729,445	26,810,475	29,953,864	33,007,146	36,504,690
18-	Special Provisions for Non performing Loans	74,799	111,282	190,326	218,560	277,308	571,435	588,813	620,038	731,471	854,248	1,020,669	1,148,861
19-	General Provisions on Loans	54,657	109,075	213,660	325,284	385,673	466,050	515,366	613,232	676,283	730,302	838,494	958,953
20-	Net Interest Income (Expense) After Provisions [(17-(18+19)]	2,769,395	5,227,281	8,023,953	10,996,136	14,195,950	16,236,267	19,433,529	22,496,175	25,402,721	28,369,314	31,147,983	34,396,876
	NON-INTEREST INCOME
21-	Fees and Commissions from Loans	88,954	169,410	298,248	400,510	512,882	629,859	750,765	864,149	1,006,588	1,044,412	1,161,735	1,333,747
22-	Profit Share from subsidiaries & afliliates	0	0	0	7,200	7,200	7,430	23,195	23,548	23,548	23,548	23,548	23,632
23-	Revenues from Banking Activities	616,116	1,149,141	1,811,679	2,505,844	3,214,691	3,943,603	4,736,761	5,618,271	6,372,769	7,505,642	8,265,411	9,298,206
24-	Income from Sale of Assets	4,453	4,453	5,800	5,841	40,656	231,676	248,712	248,870	251,089	251,722	336,093	337,478
25-	Other Non Interest (Other) Income	89,241	144,757	225,420	296,754	358,425	396,934	464,648	515,755	624,980	709,154	785,244	996,609
26-	Total Non Interest (Other) Income ( 21+….+25)	798,764	1,467,761	2,341,147	3,216,149	4,133,854	5,209,502	6,224,081	7,270,593	8,278,974	9,534,478	10,572,031	11,989,672
	INTEREST EXPENSES
27-	Personnel Expenses	481,996	1,008,426	1,528,674	2,107,120	2,664,964	3,184,861	3,789,544	4,373,477	4,961,001	5,544,747	6,150,218	6,944,759
28-	Provision for Termination Indemnities	0	265	265	265	265	265	265	509	509	509	509	509
29-	Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment	211	51	373	860	2,209	1,304	1,212	837	1,102	665	434	708
30-	Other Provisions	43,203	36,855	47,583	55,931	55,742	64,717	89,465	97,569	98,516	108,288	117,909	6,045
31-	Fees and Commissions Paid	268,772	506,391	767,193	1,099,670	1,418,690	1,749,997	2,130,135	2,506,062	2,929,147	3,361,082	3,756,054	4,211,523
32-	Depreciation	16,933	33,637	52,129	70,219	90,856	113,218	133,369	153,981	175,765	201,168	230,585	276,076
33-	Taxes, Duties, Charges and Funds	10,243	18,176	26,660	34,183	48,978	56,238	83,617	100,957	117,176	181,299	192,994	215,174
34-	Other Non Interest (Other) Expenses	376,643	700,077	1,123,830	1,510,923	1,920,442	2,329,822	2,765,200	3,262,730	3,635,509	4,258,048	4,602,481	5,575,063
35-	Total Non Interest (Other) Expenses (27+…+34)	1,198,001	2,303,878	3,546,707	4,879,171	6,202,146	7,500,422	8,992,807	10,496,122	11,918,725	13,655,806	15,051,184	17,229,857
	OTHER NON-INTEREST INCOME (EXPENSE)
36	Capital Market Transactions Profits (Losses) (Net)	41,605	64,998	85,628	96,145	105,954	150,872	172,647	217,440	363,186	520,270	668,119	840,971
37	Foreign Currency Gains (Losses) (Net)	196,649	250,146	194,293	156,245	279,892	344,005	735,217	753,072	855,788	1,133,253	1,183,677	1,358,407
38	Extraordinary Income (Expense) (Net)	0	0	0	0	0	0	0	0	0	0	0	500
39-	Total Other Non Interest (Other) Income (Expense) (36+…38)	238,254	315,144	279,921	252,390	385,846	494,877	907,864	970,512	1,218,974	1,653,523	1,851,796	2,199,878
40-	Profit (Loss) Before Tax [(20+26+39)-35]	2,608,412	4,706,308	7,098,314	9,585,504	12,513,504	14,440,224	17,572,667	20,241,158	22,981,944	25,901,509	28,520,626	31,356,569
41-	Provision for Taxes	544,667	1,001,487	1,545,363	2,130,871	2,742,472	3,120,747	3,765,552	4,365,321	4,958,988	5,597,454	6,198,151	6,778,252
42-	Net Income (Losses) (40-41)	2,063,745	3,704,821	5,552,951	7,454,633	9,771,032	11,319,477	13,807,115	15,875,837	18,022,956	20,304,055	22,322,475	24,578,317