| 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. |