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5-YEAR FINANCIAL SUMMARY (Per BRSA Consolidated Financials)

Based on BRSA Consolidated Financials (TL mn, %) 2021 2022 2023 2024 9M25
Net Income 13.588 58.510 86.907 92.179 84.474
Pre-provision Income 30.336 89.171 113.156 136.094 134.474
Total Revenue* 45.576 116.738 169.209 242.745 258.467
Net Interest Income (incl. Swap cost) 24.297 78.017 81.902 94.117 122.834
           
Total Assets  850.476 1.303.578 2.201.713 3.002.579 4.207.081
Performing Loans 475.285 742.080 1.193.843 1.738.553 2.410.190
Deposits 582.833 908.739 1.604.931 2.154.348 2.916.104
Shareholders' Equity 80.301 153.124 245.622 331.409 412.393
           
NPL Ratio (incl. Leasing&factoring receivables) 3,6% 2,6% 2,1% 2,1% 2,8%
Capital Adequacy Ratio (excl. Forbearance) 14,1% 16,8% 16,5% 18,2% 16,3%
ROAE 18,9% 51,0% 46,0% 33,0% 30,9%
ROAA 2,1% 5,4% 4,9% 3,5% 3,1%
Dividend Payout Ratio 10% 15% 10% 15% 20%
Earnings per share 3,24 13,93 20,69 21,95 20,11
*Defined as; Net Interest Income incl. Swap cost + Net Fees & Commissions + Net Trading Gains/Losses (excluding swap cost & currency hedge gains) + Other income excluding provision reversals for loans+ Income from subsidiaries + Dividend Income

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