| Based on BRSA Consolidated Financials (TL mn, %) |
2020 |
2021 |
2022 |
2023 |
3M24 |
6M24 |
9M24 |
| Net Income |
6.715 |
13.588 |
58.510 |
86.907 |
22.480 |
44.590 |
66.950 |
| Pre-provision Income |
20.982 |
30.336 |
89.171 |
113.564 |
30.450 |
62.781 |
98.704 |
| Total Revenue* |
32.869 |
45.576 |
116.738 |
169.617 |
52.230 |
107.972 |
171.511 |
| Net Interest Income (incl. Swap cost) |
21.671 |
24.297 |
78.017 |
81.902 |
17.434 |
37.384 |
62.552 |
| |
|
|
|
|
|
|
|
| Total Assets |
541.347 |
850.476 |
1.303.578 |
2.201.713 |
2.462.475 |
2.617.425 |
2.877.835 |
| Performing Loans |
335.004 |
475.285 |
742.080 |
1.193.843 |
1.361.125 |
1.459.907 |
1.608.664 |
| Deposits |
358.100 |
582.833 |
908.739 |
1.604.931 |
1.753.941 |
1.854.081 |
2.058.640 |
| Shareholders' Equity |
62.409 |
80.301 |
153.124 |
245.622 |
256.050 |
280.312 |
304.002 |
| |
|
|
|
|
|
|
|
| NPL Ratio (incl. Leasing&factoring receivables) |
4,5% |
3,6% |
2,6% |
2,1% |
1,9% |
1,9% |
2,1% |
| Capital Adequacy Ratio (excl. Forbearance) |
16,9% |
14,1% |
16,8% |
16,5% |
15,4% |
15,2% |
15,8% |
| ROAE |
11,6% |
19,7% |
51,0% |
44,5% |
36,0% |
34,2% |
32,9% |
| ROAA |
1,4% |
2,1% |
5,4% |
4,9% |
3,9% |
3,7% |
3,5% |
| Dividend Payout Ratio |
10% |
10% |
15% |
15% |
n.a. |
n.a. |
n.a. |
| Earnings per share |
1,60 |
3,24 |
13,93 |
20,69 |
5,35 |
10,62 |
15,94 |
| *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 |