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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 1H22
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