Investor Presentaiton
APPENDIX: KEY FINANCIAL RATIOS
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 32
Jun-21
Sep-21
Dec-21
Mar-22
Jun-22
Profitability ratios
ROAE (Cumulative)1
19,2%
19,2%
18,9%
37,5%
43,1%
ROAA (Cumulative)1
Cost/Income
2,2%
2,2%
2,0%
3,7%
4,3%
37,9%
37,0%
33,8%
27,6%
25,4%
Liquidity ratios
Loans/Deposits
91,7%
93,0%
81,5%
83,5%
82,3%
TL Loans/TL Deposits
140,6%
146,2%
148,1%
133,5%
130,1%
Adj. Loans/Deposits
74%
75%
64%
66%
66%
(Loans adj. with on-balance sheet alternative funding sources)
TL Loans/(TL Deposits + TL Bonds + Merchant Payables)
124,7%
128,5%
128,7%
119,5%
117,2%
FC Loans/FC Deposits
58,9%
57,0%
52,2%
56,4%
54,2%
Asset quality ratios
NPL Ratio
4,0%
3,8%
3,6%
3,3%
3,0%
Coverage Ratio
5,8%
5,6%
5,8%
5,5%
5,3%
+ Stagel
0,6%
0,6%
0,7%
0,8%
0,8%
+ Stage2
16,7%
16,9%
16,8%
17,0%
18,3%
+ Stage3
65,6%
68,8%
66,4%
67,4%
69,3%
Cumulative Net Cost of Risk (excluding currency impact, bps)2
87
58
106
105
102
Solvency ratios
CAR (excl. BRSA Forbearance)
15,9%
15,7%
14,1%
14,8%
15,1%
Common Equity Tier I Ratio (excl. BRSA Forbearance)
13,4%
13,2%
11,5%
12,2%
12,8%
Leverage
8,0x
7,9x
9,0x
8,8x
8,8x
1 Note: Excludes non-recurring items when annualizing Net Income for the remaining quarters of the year in calculating
Return On Average Equity (ROAE) and Return On Average Assets (ROAA) for 1Q21, 2021, 3Q21 and 1Q22.
2 Neutral impact at bottom line, as provision increase due to currency depreciation are 100% hedged
(FX gain included in Net trading income line)View entire presentation