Investor Presentation, September 2019 1
• About Ziraat Finance Group • ZiraatBank BH d.d. at a glance • Transformation and business model • Key financial indicators • Appendix 2
Ziraat Finance Group 3
T.C. Ziraat Bankasi A.S. - More Than a Bank Rankings Q3 2019 1 1 1 1 1 Total Assets Cash Loans Non-cash Deposits Equtiy Loans (1) Loans include accruals and the loans granted to banks, Deposits include accruals, and the banks’ deposits, securities include accruals. (2) Rankings are among top 7 Banks. The banks are determined as of unconsolidated assets for September 2019 and include: Ziraat Bank, İş Bank, Garanti Bank, Akbank, Yapı Kredi, Halkbank and Vakıfbank Source: BRSA, Publicly available Earnings Reports for peer banks 4
• About Ziraat Finance Group • ZiraatBank BH d.d. at a glance • Transformation and business model • Key financial indicators • Appendix 5
Ziraatbank at a glance with map of network The Bank Owned by 100 % of Turkish Appetite to state owned bank T.C.Ziraat Bankasi grow locally Owner of 32 A. Ş. First domestic branches and bank with More than Commercial intention to foreign equity 60K grow further bank customers Our Network Republika Srpska Federation of Bosina and Herzegovina Banja Luka Branch Srebrenica Branch Dobrinja Branch Corporate Branch Zenica Branch Bijeljina Branch Mostar Branch Sarajevo Branch Jelah Branch Konjic Branch Ferhadija Branch Kakanj Branch Bihać Branch Butmir Branch Maglaj Branch Cazin Branch Visoko Branch Tuzla Branch Brčko Distrikt S. Most Branch Lukavac Branch D.Moštre Branch Travnik Branch Gračanica Branch Ilidža Branch Brčko Branch I.Š. Mostar Branch Srebrenik Branch Novi Grad Branch Centar Tuzla Branch Vogošća Branch Hadžići Branch Goražde Branch 6
ZiraatBank BH d.d. First domestic Banking Sektor (FBiH) Q3 2019 (M BAM) Participation in the banking sector bank with Assets 23,742 foreign capital Assets Loan 14,907 (1996) 4% Deposits 18,965 Loan Capital 3,159 5% 32 Branches 308 Employees Strong Capital Adequacy 18,0% Deposits Share Capital ROA 1,47% 4% ROE 10,80% Branches Branches (number) 539 6% Employees (number) 6,745 100 K Credit line customers supporting Rankings the Bosnian economy Q3 2019 9. 8. 8. 10. 12. Financial Bridge with Turkey Assets Loan Deposits Profit Employees 7
Over 22 Years of Banking Legacy Current Investment in The bank has capital 200 M New Head passed a billion BAM Office in assets and building, takes Investment Increase in significant part Ziraat Bank in new capital for in the market Bosnia dd Implementation banking First 40M BAM becomes of GPRS software implemented wireless POS member of 2018 Becomes a member chip credit The Bank The first bank in Deposit terminals card in BiH of the SWIFT group issues the Aug. BiH with foreign Insurance 2017 and also member first Maestro capital. The Agency 2016 of BAMCARD card in BiH. Dec. bank's core Sarajevo. 2015 Oct. capital was 10M Date of Entity 2013 Feb. BAM. incorporation 2005 Oct. /establishment 2001 Feb. 2000 Oct. 1997 Aug. 1997 Aug. 1996 Mar. Oct. 8
Bosnia and Herzegovina Year 1991 2013 CAPITAL CITY Sarajevo AREA 51.197 km2 Total population 4.377.033 3.531.159 POPULATION 3,5 million Bosnians 1.902.956 (43,5 %) 1.769.592 (50,1 %) LOCAL CURRENCY Konvertibl Mark (KM) Croats 760.852 (17,4 %) 544.780 (15,4 %) 1 EUR=1,96 KM (Fixed) Serbs 1.366.104 (31,2 %) 1.086.733 (30,8 %) 1 USD=1,71 KM (2018) Other 347.121 (7,9 %) 130.054 (3,7 %) ADMINISTRATIVE STRUCTURE Bosnia and Herzegovina consists of two entities: Urban Population 1.729.768 (39,5 %) 1.506.691 (42,7 %) • Federation of Bosnia and Herzegovina (10 Rural Population 2.647.265 (60,5 %) 2.024.468 (57,3 %) Cantons ) Average age - 39,5 • Republika Srpska RATING B Positive (Standard & Poors) Urban - 39,7 AIRPORTS Sarajevo, Banja Luka, Tuzla, Mostar Rural - 39,4 Ports Ploce Croatia ports Population density 85 /km² 69 /km² NATURAL RESOURCES Steel, coal, lead, manganese, bauxite Urban 1.138 /km² 991/km² MAJOR INDUSTRIAL AREAS Installation of motor vehicles, tanks and aircraft, Rural 53 /km² 41 /km² Textiles, Tobacco products, Furniture made of wood, Small household appliances Area 51.222,84 km² 51.222,84 km² Macro Economic Indicators 2017 2018 2019* Residential area by ethnic majority GDP (M BAM) 31.376 32.954 33.828 Bosnian 14.600,82 km² (28,5 %) 15.171,49 km² (29,6 %) GDP per capita (BAM) 8.886 9.415 9.580 Croatian 9.093,51 km² (17,8 %) 8.212,42 km² (16,0 %) Average Net Wage (BAM) 851 879 928 Serbian 26.742,12 km² (52,2 %) 25.019,34 km² (48,8 %) Foreign Direct Investment ( M BAM) 780 784 861 Other 786,39 km² (1,5 %) 2.819,59 km² (5,5 %) Growth (%) 3,2 3,2 2,7 Number of municipalities by ethnic m 142 142 Inflation (%) 1,2 1,4 - Bosnian 63 54 Unemployment (%) 20,5 18,4 15,7 Croatian 25 24 Current account deficit ( B BAM) 1.48 1.37 1.16 Serbian 54 64 Current account deficit of % GDP 4,7 4,2 - Foreign trade(milyon BAM) 29.832 31.852 18.811 Labor force (2017 forecast) - 1.500.000 Export Service - 765.000 (51 %) 11.385 12.258 10.976 Industry - 450.000 (30 %) Import 18.447 19.594 18.255 Agriculture - 285.000 (19 %) Public debt ( M BAM) 11.009 11.120 - External debt 7.853 8.205 8.222 Internal debt 3.156 2.915 3.002 2019* - 3rd quarter of 2019 9
Federation of Bosnia and Herzegovina - Employment and Wage Distribution (31.12.2018) Number of Number of Net fee Gross fee employment unemployed Canton Name (BAM) (BAM) TOTAL WOMEN TOTAL WOMEN TOTAL ( FBiH) 519.800 215.317 329.907 188.503 889 1.365 Sarajevo canton 154.041 67.500 62.561 38.973 1.096 1.702 Tuzlanski canton 96.461 35.701 79.378 46.982 797 1.215 Zeničko-dobojski canton 82.688 32.572 58.577 33.396 763 1.164 Hercegovačko-neretvanski canton 54.133 24.729 30.703 16.858 970 1.495 Srednjobosanski canton 50.957 20.576 34.777 17.847 723 1.091 Unsko-sanski canton 37.687 15.992 38.172 20.429 840 1.286 Zapadnohercegovački canton 19.322 7.776 10.820 6.136 796 1.216 Livanjski canton 10.723 4.470 7.388 3.926 884 1.350 Bosansko-podrinjski canton 7.291 3.281 3.169 1.836 796 1.220 Posavski canton 6.497 2.720 4.362 2.120 773 1.180 Federal Bureau of Statistics www.fzs.ba 10
Bosnia and Herzegovina - Foreign Trade Sector EXPORT - Bosnia and Herzegovina 11/2019 M BAM TURKEY Export Products 11/2019 M BAM Name of country Volume Share Name of country Volume Share Germany 1,580 14% Animal and vegetable fats and oils 95 0.9% Croatia 1,344 12% Iron and steel 47 0.4% Foreign Trade 29.231 Serbia 1,257 11% Furniture, mattress, bed carrier 37 0.3% Italy 1,229 11% Inorganic chemical products 21 0.2% • Austria 1,030 9% Explosives 7 0.1% Export 10.976 Slovenia 951 9% Weapons and ammunition; Fittings & Accessories 7 0.1% • Import 18.255 Montenegro 411 4% Paper and cardboard; paper, paper products 7 0.1% Turkey 267 2% Nuclear reactors, boilers, machinery, mechanical watches 6 0.1% Hungary 258 2% Iron and steel products 5 0.0% France 243 2% Cereals 5 0.0% Top 10 Total 8,570 78% Top 10 Total 237 2.2% Foreign Trade with Total 10,976 100% Total 267 2.4% Turkey 1.020 IMPORT - Bosnia and Herzegovina 11/2019 M BAM Imports from Turkey Products 11/2019 M BAM • Export 267 Name of country Volume Share Name of country Volume Share • Import 753 Croatia 3,241 18% Nuclear reactors, boilers, machinery and mechanical 71 0.4% Serbia 2,544 14% Articles of apparel and clothing accessories, knitted or crocheted 71 0.4% Slovenia 1,639 9% Plastics and articles thereof 71 0.4% Germany 1,636 9% Articles of apparel and clothing accessories, except knitted crochets 66 0.4% Italy 1,552 9% Iron and steel 41 0.2% Austria 972 5% Electrical equipment for ignition and starting of engines 34 0.2% Turkey 753 4% Iron and steel products 29 0.2% Hungary 699 4% Furniture, mattress, bed carrier 25 0.1% SDA 506 3% Aluminum and aluminum products 25 0.1% China 504 3% Fruit for eating; citrus peel or melon and watermelon 24 0.1% İlk 10 Toplam 14,046 77% Top 10 Total 456 2.5% Toplam 18,255 100% Total 753 4.1% FOREIGN TRADE BALANCE -7,279 11
Bosnia and Herzegovina - Foreign Investment FBiH Banking Sector Foreign Capital Distribution (%) 41.0 38.8 18.0 15.5 14.6 13.4 7.3 6.8 6.8 6.8 5.7 5.4 5.0 4.8 4.7 4.5 0.3 0.2 0.2 0.2 Austria Turkey Italy Russia Germany B.A.E. Slovenia Saudi Arabia Croatia Other 31.12.2018 31.12.2017 12
Banking Sector Position Assets, M BAM Loans, M BAM FBiH Sector ZiraatBank BH FBiH Sector ZiraatBank BH 23,742 14,923 14,907 23,082 14,583 22,456 14,326 22,094 13,179 20,210 12,270 18,382 1,020 1,015 1,017 990 973 792 757 743 740 728 634 850 2016 2017 2018 Q1 Q2 Q3 2016 2017 2018 Q1 Q2 Q3 2016 2017 2018 Q1 Q2 Q3 2016 2017 2018 Q1 Q2 Q3 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 Market Share Rankings Market Share Rankings 2018 Q3 2019 2018 Q3 2019 2018 Q3 2019 2018 Q3 2019 Total Assets Total Assets Total Assets Total Assets Total Loans Total Loans Total Loans Total Loans 4,6% 4,3% 7/15 place 8/15 place 5,1% 4,9% 7/15 place 8/15 place 13
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