Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 6
REINSTATING OUR SOLID STANCE & WELL-PROVEN TRACK RECORD
GROWTH
TL LOAN GROWTH (TL bn)
ROAE
+36%
360.4
264.1
2021
PROFITABILITY
STRENGTH
CAR & CET1 (excl. forbearances)
■CET1 CAR
CAR inc free prov.
43.1%
15.2%
16.0%
15.1%
14.1%
12.8%
11.5%
22.6%
2Q22:49.6%
1Q22: 37.8%
18.9%
1H22
2021
1H22
2021
2Q22
#1 in TL LENDING
(based on Mar 22 data)
NEW CUSTOMER ACQUISITION
(mn)
Total Customer:
21.4mn a/o 1H'22
ROAA
4.3%
2Q22:5.1%
1Q22: 3.7%
2.0%
2021
1H22
+1.1
2.5%
+1.5
June'22
+1.1
2021
+1.3
2020
2019
*adj. w/ free prov.
TOTAL FREE PROVISIONS
on B/S
TL 7.5 bn
USD 9.6bn FC liquidity buffer
VS.
TL 71bn TL liquidity buffer
Note: In calculating 1H22 ROAE & ROAA, non-recurring items are deducted when annualizing Net Income for the 2H22. Please refer to the Appendix: Summary P&L for non-recurring items of 1H22.View entire presentation