Based on BRSA Consolidated Financials

CHEAT SHEET / FINANCIAL SUMMARY (Per BRSA Consolidated Financials)
Based on BRSA Unconsolidated Financials (TL mn, %) 2018 2019 2020 2021 1H22
Net Income 6.638 6.159 6.238 13.073 21.096
Pre-provision Income 15.460 15.191 19.650 28.689 31.551
Total Revenue* 22.935 23.897 29.688 41.362 40.598
NII incl. Swap 16.167 16.130 20.107 21.809 22.562
Net F&C 4.870 6.089 5.978 8.501 6.525
Net Trading (excl. Swap&Currency hedge) 680 324 1.647 7.825 7.348
Other Income excl. Provision reversal 461 452 614 1.188 1.738
Subsidiary Income 752 894 1.323 1.909 2.395
Dividend Income 5 9 19 129 31
Net Interest Income (incl. Swap cost) 16.167 16.130 20.107 21.809 22.562
           
Total Assets 359.477 391.152 492.798 758.880 981.659
Performing Loans 219.204 233.866 300.701 408.783 535.590
Deposits 217.279 248.751 321.512 513.240 658.684
Shareholders' Equity 46.688 53.766 62.082 79.981 111.727
           
NPL Ratio (incl. Leasing&factoring receivables) 4,9% 6,9% 4,6% 3,8% 3,2%
Capital Adequacy Ratio (excl. Forbearance) 18,3% 19,6% 18,5% 15,8% 17,1%
ROAE 15,0% 12,3% 10,8% 19,0% 43,0%
ROAA 1,9% 1,6% 1,4% 2,3% 4,8%
Dividend Payout Ratio - - 10% 10% n.a.
Earnings per share 1,58 1,47 1,49 3,11 5,02
*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
Note: In calculating 1H22 ROAE & ROAA, non-recurring items are deducted when annualizing Net Income for the 2H22.