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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.
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