Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 9
HIGHLY LIQUID & ACTIVELY MANAGED FUNDING MIX REMAIN
TO BE THE MAIN DIFFERENTIATOR
LIABILITIES & SHE BREAKDOWN
Other:
5.5%
SHE; 10.2%
TL 1.1tr
Interbank Money
Market; 3.2%
Total Demand
Deposits; 33.8%
Borrowings;
10.1%
Total Time
Deposits; 34.4%
TL Bonds Issued &
Merchant Payables;
2.8%
LOW LEVERAGE
FREE FUNDS / Avg. IEAs³
8.8x
43%
EXTERNAL DEBT VS. FC QUICK LIQUIDITY²
(US$ bn)
13
11
6.9
10
6.8
6.5
2021
1Q22
1H22
External Debt
IFC Liquidity Buffer
WHOLESALE FUNDING BREAKDOWN
Securitisation;
36%
Secured
Finance; 1%
$6.5bn
Syndication;
19%
MTN; 3%
Subdebt; 12%
Bilateral; 10%
1 Includes funds borrowed, sub-debt & FC securities issued
2 FC Liquidity Buffer includes FC reserves under ROM, swaps, money market placements, CBRT eligible unencumbered securities
3 Free Funds-SHE-Reserve Requirement-Net NPL-Subsidiaries-Fixed Assets+Demand Deposits.
*Excludes secured finance transactions
> 100% of our new
issuances* in 2021 &
2022 ESG-linked
ESG-linked funding
makes up -25% of
wholesale funding baseView entire presentation