| Based on BRSA Unconsolidated Financials (TL mn, %) |
2018 |
2019 |
2020 |
2021 |
9M22 |
| Net Income |
6.638 |
6.159 |
6.238 |
13.073 |
38.607 |
| Pre-provision Income |
15.460 |
15.191 |
19.650 |
28.689 |
57.298 |
| Total Revenue* |
22.935 |
23.897 |
29.688 |
41.362 |
72.532 |
| NII incl. Swap |
16.167 |
16.130 |
20.107 |
21.809 |
45.710 |
| Net F&C |
4.870 |
6.089 |
5.978 |
8.501 |
11.060 |
| Net Trading (excl. Swap&Currency hedge) |
680 |
324 |
1.647 |
7.825 |
9.981 |
| Other Income excl. Provision reversal |
461 |
452 |
614 |
1.188 |
1.915 |
| Subsidiary Income |
752 |
894 |
1.323 |
1.909 |
3.832 |
| Dividend Income |
5 |
9 |
19 |
129 |
33 |
| Net Interest Income (incl. Swap cost) |
16.167 |
16.130 |
20.107 |
21.809 |
45.710 |
| |
|
|
|
|
|
| Total Assets |
359.477 |
391.152 |
492.798 |
758.880 |
1.092.880 |
| Performing Loans |
219.204 |
233.866 |
300.701 |
408.783 |
584.608 |
| Deposits |
217.279 |
248.751 |
321.512 |
513.240 |
754.521 |
| Shareholders' Equity |
46.688 |
53.766 |
62.082 |
79.981 |
131.298 |
| |
|
|
|
|
|
| NPL Ratio (incl. Leasing&factoring receivables) |
4,9% |
6,9% |
4,6% |
3,8% |
2,9% |
| Capital Adequacy Ratio (excl. Forbearance) |
18,3% |
19,6% |
18,5% |
15,8% |
18.3% |
| ROAE |
15,0% |
12,3% |
10,8% |
19,0% |
49,0% |
| ROAA |
1,9% |
1,6% |
1,4% |
2,3% |
5,6% |
| Dividend Payout Ratio |
- |
- |
10% |
10% |
n.a. |
| Earnings per share |
1,58 |
1,47 |
1,49 |
3,11 |
9,19 |
| *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. |