| Based on BRSA Unconsolidated Financials (TL mn, %) |
2020 |
2021 |
2022 |
2023 |
3M24 |
6M24 |
9M24 |
| Net Income |
6.568 |
13.601 |
58.509 |
87.332 |
22.316 |
44.839 |
66.934 |
| Pre-provision Income |
19.980 |
29.130 |
87.486 |
109.106 |
28.423 |
59.512 |
93.125 |
| Total Revenue* |
30.018 |
41.803 |
110.395 |
156.778 |
47.127 |
98.661 |
156.434 |
| Net Interest Income (incl. Swap cost) |
20.107 |
21.809 |
73.042 |
70.082 |
12.334 |
26.633 |
45.529 |
| |
|
|
|
|
|
|
|
| Total Assets |
493.232 |
758.880 |
1.152.172 |
1.930.055 |
2.164.981 |
2.313.106 |
2.496.244 |
| Performing Loans |
300.701 |
408.783 |
651.788 |
1.044.477 |
1.199.269 |
1.284.107 |
1.405.630 |
| Deposits |
321.512 |
513.240 |
790.664 |
1.383.704 |
1.505.821 |
1.601.677 |
1.735.834 |
| Shareholders' Equity |
62.082 |
79.981 |
152.685 |
244.797 |
255.335 |
279.319 |
302.648 |
| |
|
|
|
|
|
|
|
| NPL Ratio (incl. Leasing&factoring receivables) |
4,6% |
3,8% |
2,6% |
2,0% |
1,9% |
1,9% |
2,2% |
| Capital Adequacy Ratio (excl. Forbearance) |
18,5% |
15,8% |
18,9% |
18,3% |
17,1% |
16,8% |
17,6% |
| ROAE |
11,4% |
19,8% |
51,1% |
44,9% |
35,9% |
34,3% |
32,9% |
| ROAA |
1,5% |
2,4% |
6,0% |
5,6% |
4,4% |
4,2% |
4,0% |
| Dividend Payout Ratio |
10% |
10% |
15% |
15% |
n.a. |
n.a. |
n.a. |
| Earnings per share |
1,56 |
3,24 |
13,93 |
20,79 |
5,31 |
10,68 |
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 |