Investor Presentaiton
64
Income Statement Highlights
Consolidated (TL mn)
1Q21
2Q21
3Q21
4Q21 QoQ(%)
2020
2021 YoY(%)
Net Interest Income incl. swap cost
2,872
3,604
4,571
6,369
39
16,829
17,416
3
NII
4,193
5,337
6,664
8,155
22
20,699
24,348
18
o/w CPI-linker income
1,088
1,728
2,748
3,140
14
3,774
8,704
131
Swap Cost
Net Trading Gain (Loss)
LYY hedge gain/ (loss)
ECL hedge gain/(loss)
Other
(1,321)
(1,733)
(2,092)
(1,786)
(15)
(3,870)
(6,932)
79
Fees and Commissions (Net)
1,462
1,348
1,524
1,745
15
4,549
6,079
34
1,941
1,259
785
9,763
3,194
13,747
330
1,105
436
243
5,468
I
584
7,251
62
154
20
1,699
724
1,935
167
774
669
522
2,597
1,885
4,561
142
Other Income
267
59
79
169
115
267
573
114
Operating Expense
(2,087)
(2,240)
(2,364)
(3,215)
36
(8,106)
(9,906)
22
Pre-Provision Income
4,455
4,029
4,595
14,831
223
16,734
27,910
67
Provision for Loan Losses, net of collections
(697)
(427)
(14)
(2,168)
(5,503)
(3,305)
(40)
Stage 1+2 (net)
(515)
(185)
329
967
194
(1,622)
596
Stage 3
(621)
(517)
(615)
(1,917)
212
(4,290)
(3,670)
(14)
Stage 3 Recoveries
500
430
293
481
64
1,133
1,705
50
Currency Impact (fully hedged)
(62)
(154)
(20)
(1,699)
(724)
(1,935)
167
Other Provisions
(1,201)
(559)
(274)
(5,930)
(2,947)
(7,965)
170
LYY MtM gain/(loss)
(1,203)
(548)
(239)
(5,537)
(2,104)
(7,527)
258
Free Provisions
Other
Income Before Tax
Tax
Net Income
(250)
(500)
(250)
(50)
2
(11)
(35)
(144)
313
(343)
(188)
(45)
2,557
3,043
(529)
(937)
2,028
2,106
4,307
(1,098)
3,209
6,733
56
8,284
16,640
101
(1,949)
77
(2,025)
(4,513)
123
4,784
49
6,260
12,127
94
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