Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 33
APPENDIX: QUARTERLY & CUMULATIVE NET COR
(Million TL)
(Million TL)
Quarterly Net Expected Credit Loss
3Q21
4Q21
1Q22
2Q22
Cumulative Net Expected Credit Loss
6M22
(-) Expected Credit Losses
2,001
10,809
7,151
6,231
(-) Expected Credit Losses
13.382
Stage 1
285
1,429
2,965
1,505
Stage 1
4.470
Stage 2
765
5,091
2,564
2,981
Stage 2
5.545
Stage 3
951
4,289
1,622
1,745
Stage 3
3.367
(+) Provision Reversals under other
income
1,692
1,927
3,670
2,529
(+) Provision Reversals under other income
6.200
Stage 1
446
487
1,874
1,446
Stage 1
3.320
Stage 2
860
846
1,056
533
Stage 2
1.589
Stage 3
386
594
740
550
Stage 3
1.291
(=) (a) Net Expected Credit Losses
309
8,882
3,481
3,702
(=) (a) Net Expected Credit Losses
7.183
(b) Average Gross Loans
416,294 468,140 547,319 619,760
(b) Average Gross Loans
582.994
(a/b) Quarterly Total Net CoR (bps)
29
753
258
240
(a/b) Cumulative Total Net CoR (bps)
248
info: Currency Impact¹
24
522
153
140
info: Currency Impact¹
146
Total Net CoR excl. currency impact
(bps)
5
230
105
99
Total Net CoR excl. currency impact (bps)
102
1 Neutral impact at bottom line, as provisions due to currency depreciation are 100% hedged (FX gain included in Net trading income line)View entire presentation