Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 25
APPENDIX: CLOSELY MONITORED AND WELL-PROVISIONED
FC LOANS
FC PERFORMING LOANS
(41% of total performing loans)
MITIGATION OF FX RISK -
TIMELY DELEVERAGING (in $bn)
US$ 15.4 bn Consolidated FC Performing Loans*
=
US$
4.9bn
GBI and GB Romania loan placements
Natural hedge
Sector¹
Garanti BBVA
154.8 148.9
135.9
130.5
120.5 121.8
114.9
+
17.7
14.1
US$ 10.5 bn FC Performing Loans
13.1 12.6
16.4%
Export Loans
FX revenue generation
11.3
10.9
10.5
54.
4%
29.
2%
2022
Project Finance Loans
70% of PF Loans have FX or FX-
linked revenues - no currency risk
16% has lower currency risk
14% with some currency risk
Working Capital & Other Loans
FX loans predominantly to big
corporate, commercial clients &
multinationals
*Excludes leasing and factoring receivables
1 Based on BRSA weekly data, commercial banks
2017 2018 2019 2020 2021 1022 2022
Market
Share
11.4% 9.5% 9.6% 9.6% 9.1% 9.3% 9.3%
Regular conduct of FX sensitivity analysis for
proactive staging and provisioningView entire presentation