| Based on BRSA Unconsolidated Financials (TL mn, %) |
2019 |
2020 |
2021 |
2022 |
9M23 |
| Net Income |
6.159 |
6.568 |
13.601 |
58.509 |
57.577 |
| Pre-provision Income |
15.191 |
19.980 |
29.130 |
87.486 |
74.217 |
| Total Revenue* |
23.897 |
30.018 |
41.803 |
110.395 |
107.234 |
| Net Interest Income (incl. Swap cost) |
16.130 |
20.107 |
21.809 |
73.042 |
49.827 |
| |
|
|
|
|
|
| Total Assets |
391.152 |
493.232 |
758.880 |
1.152.172 |
1.742.966 |
| Performing Loans |
233.866 |
300.701 |
408.783 |
651.788 |
948.544 |
| Deposits |
248.751 |
321.512 |
513.240 |
790.664 |
1.251.556 |
| Shareholders' Equity |
53.766 |
62.082 |
79.981 |
152.685 |
214.265 |
| |
|
|
|
|
|
| NPL Ratio (incl. Leasing&factoring receivables) |
6,9% |
4,6% |
3,8% |
2,6% |
1,9% |
| Capital Adequacy Ratio (excl. Forbearance) |
19,6% |
18,5% |
15,8% |
18,9% |
18,3% |
| ROAE** |
12,3% |
11,4% |
19,8% |
51,1% |
41,2% |
| ROAA** |
1,6% |
1,5% |
2,4% |
6,0% |
5,1% |
| Dividend Payout Ratio |
- |
10% |
10% |
15% |
n.a. |
| Earnings per share |
1,47 |
1,56 |
3,24 |
13,93 |
13,71 |
*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 9M23 |