Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 12
HEALTHY LOAN PORTFOLIO WITH PROACTIVE STAGING
LOAN PORTFOLIO BREAKDOWN¹
(TL Billion)
STAGE-2 BREAKDOWN
89.7 bn
89.0 bn
Stage 1,
545.5
excl. currency impact²
79.2 bnTL in June'22
vs. 84.2 bn TL in Mar'22
Stage 2,
89.0
SICR
(Quantitative)
34%
36%
TL 654.3 bn
Stage 3
(NPL),
19.9
Restructured
51%
53%
Watchlist
Past Due
14%
1%
Mar 22
9%
2%
June 22
18.3%
Stage-2 Coverage
vs. 17% in Mar'22
14%
Stage-2 Share in Gross
Loans vs. 15% in Mar'22
94%
of the SICR Portfolo is
non-delinquent
1 Including Leasing & Factoring Receivables
2 2021 balance sheet FX rates are taken into account when calculating Stage 2 base for June 22
Note: SICR: Significant Increase in Credit Risk per our threshold for Probability of Default (PD) changesView entire presentation