Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 10
STRONG DEPOSIT GROWTH FROM A HIGH BASE REFLECTS
CUSTOMERS' PREFERENCE
TL CUST. DEPOSITS (in TL bn)
QoQ
YtD
(37% of total deposits)
19%
55%
275.9
231.0
177.9
18%
59%
201.9
170.9
127.0
50.9
60.1
74.1
23%
45%
2021
1Q22
1H22
■TL Time
TL Demand
EXPANDING ZERO-COST DEMAND
DEPOSIT BASE
49%
Cust. demand deposits
share in total
TL DEMAND DEPOSITS /
TL CUST. DEPOSITS
FC CUST. DEPOSITS (in US$ bn)
(63% of total deposits)
QoQ
YtD
27%
vs. private banks
avg 21%
$30.7
$28.9
$27.8
(4%)
(9%)
12.2
10.8
10.5
FC DEMAND DEPOSITS/
(3%)
(14%)
FC CUST. DEPOSITS
62%
18.5
18.1
17.3
vs. private banks
(4%)
(6%)
avg 47%
2021
1Q22
1H22
FC Time
FC Demand
1 Based on bank-only MIS data.
Note: Sector data is based on BRSA weekly data, for commercial banks only
Highest TL deposit base, both in time & demand (among private banks as of Mar'22)
Stickier and low-cost deposit base – SME & retail customer deposits share in TL customer deposits: 73%¹
Decline in FC deposits due to FX protected TL time deposit scheme (Market share: 10.8%)View entire presentation