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5-YEAR FINANCIAL SUMMARY (Per BRSA Consolidated Financials)
Based on BRSA Consolidated Financials (TL mn, %)
2019
2020
2021
2022
6M23
Net Income
6.241
6.715
13.588
58.510
33.810
Pre-provision Income
15.868
20.982
30.336
89.171
43.836
Total Revenue*
26.177
32.869
45.576
116.738
68.350
Net Interest Income (incl. Swap cost)
17.643
21.671
24.171
77.615
36.265
Total Assets
428.554
541.347
850.476
1.303.578
1.891.093
Performing Loans
259.207
335.004
475.285
742.080
978.915
Deposits
277.277
358.100
582.833
908.739
1.400.779
Shareholders' Equity
54.051
62.409
80.301
153.124
188.532
NPL Ratio (incl. Leasing&factoring receivables)
6,8%
4,5%
3,6%
2,6%
2,1%
Capital Adequacy Ratio (excl. Forbearance)
17,8%
16,9%
14,1%
16,8%
15,8%
ROAE**
12,4%
11,6%
19,7%
51,0%
38,3%
ROAA**
1,5%
1,4%
2,1%
5,4%
4,2%
Dividend Payout Ratio
10%
10%
15%
n.a.
Earnings per share
1,49
1,60
3,24
13,93
8,05
*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
**Excludes non-recurring items when annualizing Net Income for the remaining quarters of the year in calculating Return On Average Equity (ROAE) and Return On Average Assets (ROAA) for 1H23
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