Based on BRSA Unconsolidated Financials

CHEAT SHEET / FINANCIAL SUMMARY (Per BRSA Unsonsolidated Financials)
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.