Yapı Kredi

1Q22 EARNINGS PRESENTATION

29 April 2022

Net Profit (TL bln)

RoTE & RoA

3.6

7.3

1Q21

RoARoTE

2020

2021

4Q21

3.5%

1Q22

1Q22

Notes: 1.Normalised for linker income, PPP (Pre-Provision Profit): NII+ Fees + Opex + Net Trading + Subsidiary & Dividend income - ECL hedge - collections 2.LDR= Loans / (Deposits + TL Bonds)

Enhanced liquidity

LDR2

102%

95%

1Q21

3.As of 31 March 2022

TL 132% -13pp y/y

LCR3

602%

201%

1Q22

Total LCRFC LCR

TL Performing Loans (TL bln)

FC Performing Loans (US$ bln)

181.1

223.8

255.7

14.9

13.8

13.8

1Q21

2021

1Q22

1Q21

2021

1Q22

Retail Loans

Loan Breakdown (FX adjusted1)

1Q22

1Q21

2020

Notes: 1.Based on MIS data, Retail loans include individuals and SME;

Corporate&Commercial Loans

2. Based on BRSA weekly data as of 25 March 2022;

3.Excluding credit cards

TL Customer Deposits (TL bln)

FC Customer Deposits (US$ bln)

25. 0

20. 0

15. 0

10. 0

5.0

0.0

1Q21

2021

1Q22

1Q21

2021

1Q22

Notes: 1.Based on BRSA weekly data as of 25 March 2022

6.43%

14,000

12,000

10,000

8,000

6,000

Revenue Margin

NIM3

3.10%

2.94%

3.08%

4,000

2,000

0

1Q21

2Q21

3Q21

4Q21

1Q22

Core +49% q/q

+124% y/y

Notes:

1. Revenues and other revenues exclude ECL collection income and trading income to hedge FC ECL; 2.Core Revenues = NII + swap costs + net fee income

3. Based on Bank-Only financials

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Yapi ve Kredi Bankasi AS published this content on 29 April 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 29 April 2022 15:57:30 UTC.