Based on BRSA Consolidated Financials

CHEAT SHEET / FINANCIAL SUMMARY (Per BRSA Consolidated Financials)
Based on BRSA Consolidated Financials (TL mn, %) 2018 2019 2020 2021
Net Income 6.707 6.241 6.385 13.060
Pre-provision Income 15.894 15.868 20.652 29.895
Total Revenue* 24.663 26.177 32.539 45.135
         
Total Assets 399.154 428.554 540.913 850.476
Performing Loans 243.461 259.207 335.004 475.285
Non-Performing Loan Ratio (inc. leasing & factoring) 5,2% 6,8% 4,5% 3,6%
Deposits 244.238 277.277 358.100 582.833
Shareholders' Equity 46.887 54.051 62.409 80.301
         
Net Interest Margin (adjusted with swap costs) 5,3% 5,1% 5,3% 4,5%
NPL Ratio 5,2% 6,8% 4,5% 3,6%
Capital Adequacy Ratio 16,5% 17,8% 16,9% 14,0%
ROAE 15,0% 12,4% 11,0% 18,9%
ROAA 1,7% 1,5% 1,3% 2,0%
Dividend Payout Ratio - - 10% 10%
Earnings per Share 1,58 1,47 1,50 3,11
*Defined as; Net Interest Income + Net Fees & Commissions + Net Trading Gains/Losses (excluding currency hedge gains for 2017, 2018 & 2019) + Other income excluding provision reversals for loans+ Income from subsidiaries + Dividend Income