| 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 |