Based on BRSA Consolidated Financials

CHEAT SHEET / FINANCIAL SUMMARY (Per BRSA Consolidated Financials)
Based on BRSA Consolidated Financials (TL mn, %) 2018 2019 2020 2021 9M22
Net Income 6.707 6.241 6.385 13.060 38.726
Pre-provision Income 15.894 15.868 20.652 29.895 58.570
Total Revenue* 24.663 26.177 32.539 45.134 77.014
NII incl. Swap 17.934 17.643 21.671 24.171 49.084
Net F&C 5.103 6.274 6.588 9.195 12.008
Net Trading (excl. Swap&Currency hedge) 328 590 2.092 8.489 10.874
Other Income excl. Provision reversal 1,290 1.659 2.166 3.142 4.262
Subsidiary Income - - - - 719
Dividend Income 8 11 22 139 68
Net Interest Income (incl. Swap cost) 17.934 17.643 21.671 24.171 49.084
           
Total Assets 399.154 428.554 540.913 850.476 1.223.437
Performing Loans 243.461 259.207 335.004 475.285 668.202
Deposits 244.238 277.277 358.100 582.100 856.226
Shareholders' Equity 46.887 54.051 62.409 80.301 131.668
           
NPL Ratio (incl. Leasing&factoring receivables) 5,2% 6,8% 4,5% 3,6% 2,8%
Capital Adequacy Ratio (excl. Forbearance) 16,5% 17,8% 16,9% 14,1% 16.2%
ROAE 15,0% 12,4% 11,0% 18,9% 49,0%
ROAA 1,7% 1,5% 1,3% 2,0% 5,0%
Dividend Payout Ratio - - 10% 10% n.a.
Earnings per share 1,60 1,49 1,52 3,11 9,22
*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 9M22 ROAE & ROAA, non-recurring items are deducted when annualizing Net Income for the 4Q22.