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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
2-	Interest from Non-performing Loans	77,395	123,739	157,758	187,857	242,091	286,953
3-	Interest from Banks	1,418,510	2,645,806	4,078,695	5,554,937	7,290,018	9,134,638
4-	Interest from Interbank Money Market	1,542,453	2,962,492	4,411,273	6,113,424	7,847,254	9,760,023
5-	Interest from TRNC Development Bank Bonds/Bills	52,520	75,401	106,172	147,744	130,072	171,093
6-	Interest from other securities	276,817	565,104	927,253	1,284,254	1,710,575	2,115,142
7-	Interest from Reverse Repo Transactions	0	103	270	1,674	1,771	1,771
8-	Other Interest and Quisi-Interest and Revenue	79,902	152,897	236,376	323,779	413,414	501,981
9-	Total Interest Income (1+...+8)	5,507,498	10,453,139	16,071,131	21,972,342	28,361,946	35,058,082
	INTEREST EXPENSES
10-	Interest to Deposits	2,013,619	3,844,762	5,922,927	8,077,004	10,478,669	13,000,679
11-	Interest to Banks	589,570	1,150,242	1,702,102	2,330,767	2,994,011	4,748,331
12-	Interest to Interbank Money Market	670	886	2,571	3,439	3,877	4,371
13-	Interest to Issued Securities	2,619	5,794	9,170	13,647	18,089	22,064
14-	Interest to Repo Transactions	0	0	25	41	41	41
15-	Other Interest and Quasi-Interest Expenses	2,169	3,817	6,397	7,464	8,328	8,844
16-	Total Interest Expenses (10+...+15)	2,608,647	5,005,501	7,643,192	10,432,362	13,503,015	17,784,330
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
18-	Special Provisions for Non performing Loans	74,799	111,282	190,326	218,560	277,308	571,435
19-	General Provisions on Loans	54,657	109,075	213,660	325,284	385,673	466,050
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
	NON-INTEREST INCOME
21-	Fees and Commissions from Loans	88,954	169,410	298,248	400,510	512,882	629,859
22-	Profit Share from subsidiaries & afliliates	0	0	0	7,200	7,200	7,430
23-	Revenues from Banking Activities	616,116	1,149,141	1,811,679	2,505,844	3,214,691	3,943,603
24-	Income from Sale of Assets	4,453	4,453	5,800	5,841	40,656	231,676
25-	Other Non Interest (Other) Income	89,241	144,757	225,420	296,754	358,425	396,934
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
	INTEREST EXPENSES
27-	Personnel Expenses	481,996	1,008,426	1,528,674	2,107,120	2,664,964	3,184,861
28-	Provision for Termination Indemnities	0	265	265	265	265	265
29-	Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment	211	51	373	860	2,209	1,304
30-	Other Provisions	43,203	36,855	47,583	55,931	55,742	64,717
31-	Fees and Commissions Paid	268,772	506,391	767,193	1,099,670	1,418,690	1,749,997
32-	Depreciation	16,933	33,637	52,129	70,219	90,856	113,218
33-	Taxes, Duties, Charges and Funds	10,243	18,176	26,660	34,183	48,978	56,238
34-	Other Non Interest (Other) Expenses	376,643	700,077	1,123,830	1,510,923	1,920,442	2,329,822
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
	OTHER NON-INTEREST INCOME (EXPENSE)
36	Capital Market Transactions Profits (Losses) (Net)	41,605	64,998	85,628	96,145	105,954	150,872
37	Foreign Currency Gains (Losses) (Net)	196,649	250,146	194,293	156,245	279,892	344,005
38	Extraordinary Income (Expense) (Net)	0	0	0	0	0	0
39-	Total Other Non Interest (Other) Income (Expense) (36+…38)	238,254	315,144	279,921	252,390	385,846	494,877
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
41-	Provision for Taxes	544,667	1,001,487	1,545,363	2,130,871	2,742,472	3,120,747
42-	Net Income (Losses) (40-41)	2,063,745	3,704,821	5,552,951	7,454,633	9,771,032	11,319,477