Based on BRSA Consolidated Financials

CHEAT SHEET / FINANCIAL SUMMARY (Per BRSA Consolidated Financials)
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