| Based on BRSA Consolidated Financials (TL mn, %) |
2018 |
2019 |
2020 |
2021 |
| Net Income |
6.707 |
6.241 |
6.385 |
13.060 |
| Pre-provision Income |
15.894 |
15.868 |
20.652 |
29.895 |
| Total Revenue* |
24.663 |
26.177 |
32.539 |
45.135 |
| |
|
|
|
|
| Total Assets |
399.154 |
428.554 |
540.913 |
850.476 |
| Performing Loans |
243.461 |
259.207 |
335.004 |
475.285 |
| Non-Performing Loan Ratio (inc. leasing & factoring) |
5,2% |
6,8% |
4,5% |
3,6% |
| Deposits |
244.238 |
277.277 |
358.100 |
582.833 |
| Shareholders' Equity |
46.887 |
54.051 |
62.409 |
80.301 |
| |
|
|
|
|
| Net Interest Margin (adjusted with swap costs) |
5,3% |
5,1% |
5,3% |
4,5% |
| NPL Ratio |
5,2% |
6,8% |
4,5% |
3,6% |
| Capital Adequacy Ratio |
16,5% |
17,8% |
16,9% |
14,0% |
| ROAE |
15,0% |
12,4% |
11,0% |
18,9% |
| ROAA |
1,7% |
1,5% |
1,3% |
2,0% |
| Dividend Payout Ratio |
- |
- |
10% |
10% |
| Earnings per Share |
1,58 |
1,47 |
1,50 |
3,11 |
| *Defined as; Net Interest Income + Net Fees & Commissions + Net Trading Gains/Losses (excluding currency hedge gains for 2017, 2018 & 2019) + Other income excluding provision reversals for loans+ Income from subsidiaries + Dividend Income |