Yapi ve Kredi Bankasi A.S. (IST: YKBNK)

YKBNK Income Statement

Financials in millions TRY. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	271,370	136,589	71,191	38,712	26,591	29,975
Interest Income on Investments	153,299	96,422	62,197	15,390	8,427	7,893
Total Interest Income	424,669	233,012	133,388	54,102	35,017	37,869
Interest Paid on Deposits	234,335	118,734	32,832	15,475	8,900	15,484
Interest Paid on Borrowings	101,082	34,794	21,209	14,874	8,069	6,837
Total Interest Expense	335,416	153,528	54,040	30,349	16,969	22,321
Net Interest Income	89,253	79,484	79,347	23,753	18,048	15,548
Net Interest Income Growth (YoY)	5.10%	0.17%	234.05%	31.61%	16.08%	7.15%
Income From Trading Activities	3,592	37,282	21,311	21,549	2,305	-128.31
Gain (Loss) on Sale of Assets	-0.93	-9.64	-	-1.48	-0.05	-0.19
Other Non-Interest Income	56,446	39,873	14,890	-10,292	5,470	5,716
Total Non-Interest Income	60,037	77,145	36,201	11,256	7,775	5,587
Non-Interest Income Growth (YoY)	-15.12%	113.10%	221.61%	44.77%	39.16%	3.27%
Revenues Before Loan Losses	149,290	156,629	115,548	35,009	25,823	21,135
Provision for Loan Losses	31,651	24,225	22,521	10,198	9,715	8,984
Revenue	117,639	132,405	93,027	24,811	16,109	12,151
Revenue Growth (YoY)	-8.75%	42.33%	274.95%	54.02%	32.57%	-4.99%
Salaries and Employee Benefits	27,716	18,296	9,853	4,804	3,857	3,394
Selling, General & Administrative	2,559	1,794	909.1	483.25	371.71	334.49
Other Non-Interest Expense	43,586	28,909	13,306	5,767	5,172	3,983
Total Non-Interest Expense	71,965	47,376	23,833	10,916	9,311	7,617
EBT Excluding Unusual Items	45,675	85,029	69,194	13,894	6,797	4,534
Asset Writedown	-	-	-0.29	-0.7	-0.07	-
Pretax Income	45,675	85,029	69,194	13,894	6,797	4,534
Income Tax Expense	3,961	17,019	16,448	3,404	1,717	933.59
Earnings From Continuing Operations	41,714	68,010	52,745	10,490	5,080	3,600
Minority Interest in Earnings	-1.94	-1.33	-0.61	-0.26	-0.17	-0.13
Net Income	41,712	68,009	52,745	10,490	5,080	3,600
Net Income to Common	41,712	68,009	52,745	10,490	5,080	3,600
Net Income Growth	-36.93%	28.94%	402.82%	106.51%	41.10%	-22.87%
Basic Shares Outstanding	8,447	8,447	8,447	8,447	8,447	8,447
Diluted Shares Outstanding	8,447	8,447	8,447	8,447	8,447	8,447
Shares Change (YoY)	-	-	-	-	-	31.35%
EPS (Basic)	4.94	8.05	6.24	1.24	0.60	0.43
EPS (Diluted)	4.94	8.05	6.24	1.24	0.60	0.43
EPS Growth	-36.93%	28.94%	402.82%	106.51%	41.10%	-41.28%
Dividend Per Share	1.210	1.210	0.936	0.118	-	-
Dividend Growth	29.20%	29.20%	690.96%	-	-	-
Effective Tax Rate	8.67%	20.02%	23.77%	24.50%	25.27%	20.59%

Source: S&P Capital IQ. Banks template. Financial Sources.