1.Normalised for linker income, PPP (Pre-Provision Profit): NII+ Fees + Opex + Net Trading + Subsidiary & Dividend income - ECL hedge - collections
Yapı Kredi, well-equipped to navigate any uncertainty
Enhanced liquidity
LDR1
LCR
Further strengthened capital
Tier-1w/o forbearance
TL: 113%
-14pp-33pp
y/y
101%
87%
9M21
9M22
587%
163%
Total LCR
FC LCR
14.6% 15.5%
12.6%
2021 1H22 9M22
Conservative loan provisions2
Highest
172%
among
5.8%
peers
Capital Buffers
~560bps
& above
FX Liquidity Buffer
11
Coverage
1Y FX Debt
4.7
2.4x
Total Coverage
NPL coverage
Notes:
1.LDR= Loans / (Deposits + TL Bonds)
- 3 -
2.Based on Bank-only BRSA financials
Best in class fundamentals ensuring sustainable profitability
LiquidityStrength
Profitability
Highest RoTE
Lowest TL LDR
Yapı Kredi 113%
Peer 1
Peer 2
Highest FC LCR
Yapı Kredi 587%
Peer 1
Peer 2
Highest Total Loan Coverage1
Yapı Kredi 5.8%
Peer 1
Peer 2
Second Highest Tier 1 Ratio2
Yapı Kredi 15.5%
Peer 1
Peer 2
Yapı Kredi 54.9%
Peer 1
Peer 2
Highest NIM
Yapı Kredi 7.5%
Peer 1
Peer 2
Highest Fee Coverage of Opex
Yapı Kredi
76.2%
Peer 1
Peer 2
1.Based on Bank-only BRSA financials
- 4 -
2.Excluding BRSA forbearances
Market shares: Excellence in strategy execution
Sustainable via above 1 mio customer acqusition in a single quarter
Consumer Loans
+190bps
+77bps
YtD
17.3%
18.0%
16.1%
2020
2021
9M22
TL Customer Deposits
+180bps
+95bps
YtD
16.3%
15.3%
14.5%
2020
2021
9M22
TL Individual Demand Deposits
+649bps
+90bps
YtD
18.2%
19.1%
12.7%
2020
2021
9M22
General Purpose Loans
+167bps
+65bps
YtD
17.5%
18.2%
16.5%
2020
2021
9M22
Car Loans
+963bps
+581bps
YtD
34.6%
25.0%
28.8%
2020
2021
9M22
FC Loans
-201bps
-125bps
YtD
16.7%
16.0%
14.7%
2020
2021
9M22
Notes:
- 5 -
Based on BRSA weekly data, FC Loans exclude loans provided to financial institutions.
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Yapi ve Kredi Bankasi AS published this content on 31 October 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 31 October 2022 16:01:07 UTC.
Yapi ve Kredi Bankasi AS (the Bank) is a Turkey-based company that provides banking products and services. It operates through the following segments: Retail Banking, which offers card payment systems, consumer loans, commercial installment loans, small medium size enterprises (SME) loans, time and demand deposits, gold banking, investment accounts, life and non-life insurance products as well as payroll services; Corporate and Commercial Banking, which offers working capital finance, trade finance, project finance, domestic and international non-cash loans such as letters of credit and letters of guarantee, cash management and internet banking, as well as Private Banking and Wealth Management, which serves high net worth customers. The Bankâs operations are supported by domestic subsidiaries in asset management, brokerage, leasing and factoring as well as international banking subsidiaries in the Netherlands, Russia, Malta and Azerbaijan.
YAPI VE KREDI BANKASI 
