Turkiye Sinai Kalkinma Bankasi A.s. · BIST:TSKB

Turkiye Sinai Kalkinma Bankasi A.s — Türkiye Sınai Kalkınma Bankası A.Ş. (TSKB) — FY2022 Earnings Presentation

17 slides from Turkiye Sinai Kalkinma Bankasi A.s's earnings presentation, 2023

  1. Slide 1: Earnings Presentation YE 2022 Bank-only Results

    Please note that any kind of fecordingincludingbut/notlimited to screenshots, video recording, recording yia external devices etc. of this presentation it's strictly forbidden for all participants.” Corporate Banking The Industrial Development Bank of Tiirkiye Investment Bai Earnings Presentation YE

  2. Slide 2: 4Q-22 At a Glance

    4Q-22 At a Glance + Intact asset quality, with elevated Intact Asset Quality & coverages an extra free provisions = Intact asset quality, no change in the loan classifications Strong Front Loaded Beavinianint + NPL: down to 2.9% ig . A + No change in the loan classifications = Oneof the highest cove

  3. Slide 3: Financial Guidance (Bank Only)

    Financial Guidance 2022YE (%) 2022YE (%) 2023YE (%) (Bank Only) Guidance Figures Guidance Growth FX Adjusted Loan Growth Contraction -6 ~5 Profitability Net Interest Margin (*) >6 6.9 >5 Fees & Commissions Growth ~80 124 ~100 Return On Equity ** >40 41.1 ~35 Efficiency OPEX Growth In line with CPI 9

  4. Slide 4: Stellar core revenue expansion continues

    Stellar core revenue expansion continues Net Banking Income-TLmn Annual Evolution of Net Banking Income vs Provisions TLmn 7,194 7.194 2,164 2,003 150% 882 150% 835 360 73 2.889} 922 1.095 30-22 40-22 YE-22 Net Banking Income Provisions (inc. free provisions) ‘= Net Banking Income exc. CPl&Trading ‘

  5. Slide 5: Income Statement Highlights

    a Income Statement Highlights TLmn YE-21 YE-22 [JJWo¥ll) 30-22 40-22 [Goa] strong ni generation boosted Net Interest Income 2,529 6415 154% 1,877 2,010 7% by CPHinkers and , robustloan spread Trading Income 495 1,024 107% 360 73-80% ; a Outstanding Net Fees & Commissions 71 159 124% 37 39 6% YoY inc

  6. Slide 6: Funding maturities: Syndication, DFI Funding, Eurobond

    • • -116 -604 -471 -464 -350 -400 -198 -1.984 -350 -200 2023 2024 2025 >=2026 Syndication & Other DFI Funding Eurobond Subordinated loan Money Market Funding

  7. Slide 7: Resilient Asset Composition

    Resilient Asset Composition Asset Composition-TL bn Total Loans - TL bn carey % % Breakdown % 6 E 80.3 75.5 zy 10% 63.9 4.0 3.98 90% 4.65 40-21 30-22 40-22 4Q-21 3Q-22 4Q-22 mLoans mSecurities mCash&MM mNon IEAs & Other ™FXLoans($) = TRY Loans 4Q-22 Loans by Currency & Type Remaining Average Maturit

  8. Slide 8: Loan breakdown by sector

    Electricity Generation 39,0% Finance 10,4% Metal & Machinery 7,2% Tourism 5,6% Health & Education 5,6% Electricity/Gas Distr. 5,2% Logistics 4,4% Construction & Construction Materials 3,3% • Chemistry & Plastics 2,9% • Food & Beverage 2,6% • Non-Residential Real Estate 1,9% Automotive 1,3% Telecom &

  9. Slide 9: 68,094 2,652 2,140 % 45.5 8.8 21.0 22.1 26.9

    68,094 695 2,652 2,140 % 45.5 7 5 8.8 5 21.0 9 22.1 26.9

  10. Slide 10: Security Yields

    Security Yields 80,4% 75,6% TL Sec. Yield exc. CPI CPI 58,6% • 42,8% • 23,2% 16,6% 19,6% • 13,0% 18,9% 17,0% 17,3% 18,8% 19,1% 13,6% 15,3% 16,4% 1Q-21 2Q-21 3Q-21 4Q-21 1Q-22 2Q-22 3Q-22 4Q-22

  11. Slide 11: Further enhanced core NIM performance

    11 Further enhanced core NIM performance = CPI Impact Core NIM 3,94% 4Q21 0,8% 3,2% 4Q21 Annualized NIM 6.90% 644% 3Q-22 4Q-22 oon 3,0% 20 bps. 3,7% DO 3,9% 3Q-22 4Q-22 Robust margin expansion continues excluding CPI linkers 2022 October - October CPI is 85.51% TL 1.5 bn of additional revenue genera

  12. Slide 12: Strengthened Solvency Metrics above regulatory levels

    AP Strengthened Solvency Metrics above regulatory levels Capital Ratios Without BRSA Temporary Measures 12.0% 16,7% 8.5% 14,4% 8,9% 2021 3Q-22 2022 BTier|Ratio =CAR With BRSA Temporary Measures ~ CAR: 22.4% | Tier :21.3% | CET-I: 16.5% 76,9 Tier | Ratio Evolution 0,27 0,95 Free Provision Adjusted CA

  13. Slide 13: Sustainability Developments and Future Agenda

    wo Sustainability Developments and Future Agenda Net Zero Pathway Stakeholder Engagement Strong ESG Risk Management Net-Zero Banking Alliance (NZBA) Membership + Stakeholder and Materiality Analysis + Sustainalytics ESG Risk Rating Score + Setting targets before 2030 update with the double materiali

  14. Slide 14: Appendix

    2S BS Q gf x

  15. Slide 15: Balance Sheet

    As Balance Sheet Cash and Banks Securities Loans (Gross) Provisions Subsidiaries Other Total ST Funds LT Funds Securities Issued Repo & MM Other Subordinated Debt Equity 9,888 23,401 80,274 -5,499 3,962 3,548 115,575 2,481 65,847 21,048 3,929 5,659 3,829 12,782 31/12/2021 30/09/2022 31/12/2022 mo TL

  16. Slide 16: Detailed Income Statement

    16 Detailed Income Statement TLmn Net Interest Income inc. Swap Cost Net Interest Income CPI Linkers Swap Costs (-) Net Commissions Other Income Dividends Other Trading & FX gains/losses FX gains/losses MtM gains/losses Trading gains/losses Banking Income OPEX (-) Net Banking Income ECL (-) Stage |

  17. Slide 17: TSKB Financial Institutions & Investor Relations

    TSKB Financial Institutions & Investor Relations TSKB Financial Institutions & Investor Relations ir@tskb.com.tr www.tskb.com Meclisi Mebusan Cad. 81 Findikli 34427 istanbul

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