Investor Presentaiton
1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 17
STRENGTHENED CAPITAL BUFFERS THANKS TO SUPERIOR
INTERNAL CAPITAL GENERATION CAPACITY
SOLVENCY RATIOS
without BRSA's forbearance
CET1 CAR
CAR inc free prov.
15.2%
16.0%
15.1%
14.1%
12.8%
11.5%
2021
2Q22
USDTRY 13.09
16.56
CAR EVOLUTION
~1.4%
BRSA Forbearance
Impact on CAR
~40bps
CAR sensitivity to
10% TL
depreciation
TL 25 bn
Excess Capital
(Consolidated & w/o
forbearance)
TL 7.5 bn
Total Free Provisions
in the B/S
1.01%
2.56%
-1.06%
14.1%
Net Income
Currency
Impact
MtM
Difference
-0.97%
Market
& Credit Risk
-0.27% -0.23%
Operational Subdebt
Risk
Amortization
-0.15%
Dividend
0.12%
Other
15.1%
2021
1Required Consolidated CAR level = 8.0% + SIFI Buffer for Group 2 (1.5%) + Capital Conservation Buffer (2.5%) + Counter
Cyclical Buffer (0.16%); Required Consolidated Tier-1 =6.0% + Buffers; Required Consolidated CET-1=4.5%+Buffers
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