Investor Presentaiton
Proactive IFRS 9 implementation regardless of staging forbearance
BRSA staging forbearances ended effective
Oct 1, 2021
Staging Breakdown
(TL mn, Gross Loans)
In 2021
329.8
Excluding currency impact limited increase in
Stage 2 portfolio
279.2
5.2%
9.6%
6.2%
9.4%
▸ Immaterial P&L impact of TL 1.4 bn write-off
with almost 100% coverage
Broad-based collection performance
remained strong through 2021
2022 FY NPL ratio: ~4% (1)
2022
Guidance
We do not expect a material increase in NPL
inflow
▸ Collection performance expected to remain.
strong
39 All restructured loans (TL 26.2 bn) are followed under Stage 2
2021 NPL ratios by segment: Business 4.9%, Consumer: 2.7%, Credit Cards: 3.8%
(1) Including potential write-off & NPL sales
(2) Bank-only
396.8
4.5%
9.9%
85.2%
85.6%
84.4%
2020
9M21
2021
Stage 1
Stage 2
Stage 3
Quarterly New NPL Evolution (2)
(TL mn)
2,900
2,041
613
766
554
169
77 25
154 41
22
691
708
597
859
1,435
1Q21
2Q21
3Q21
4Q21
New NPL
Collections
Net New NPL
Write off
(excl. write off)
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