Investor Presentaiton
2022: Leveraging our strength while carrying out priorities
2022 Guidance
Key Drivers
Macro assumptions:
O~ 30% YE inflation
TL Loan Growth
~ 30%
FX Loan Growth (in USD)
Flattish
NIM (swap adj.)
~150 bps improvement
Net fees&com. growth.
> 35%
Opex growth
Cost/income (1)
NPL (2)
~
Net total CoC (excl. ccy impact)
~ 100 bps
Avg. CPI
< 33%
- 4%
2022 Oct-Oct CPI linker valuation estimate: ~ 30%
GDP growth ~ 4%
Our robust 17.2% CAR (3) & 12.9% Tier 1 (3) creates ammunition
for sustainable profitable growth while providing resilience
Consumer & SME driven TL loan growth with sustainable
profitability and healthy market share gain in focus
Tailor-made solutions for customers' transition to a low carbon
economy
Asset repricing, contained funding costs & proactive CPI linker
positioning to be supportive for NII growth & NIM
Improving trend in CIR with solid revenue contribution from all
business lines
ROE
~ 30%
Significant provision build & solid collateral values to limit
additional provision need
42 (1) CIR calculation excludes FX gain from hedge position related with stage 1&2 provisions and LYY exposure
(2) Including potential write-off & NPL sales
(3) w/o forbearances: Fixing MtM losses of securities & FX rate for RWA calculation to average last 12 month FX rate
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