Based on BRSA Consolidated Financials

CHEAT SHEET / 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