Albaraka Turk Katilim Bankasi A.s. · BIST:ALBRK
Albaraka Turk Katilim Bankasi A.s — Albaraka Türk Katılım Bankası A.Ş. — Q4 2025 Earnings Presentation
22 slides from Albaraka Turk Katilim Bankasi A.s's earnings presentation, Aug 13, 2026
Slide 1: Investor Presentation Q4'2025
Investor Presentation Q4’2025 Based on Bank-only financials 1
Slide 2: Macroeconomic Outlook & Banking Overview
Macroeconomic Outlook & Banking Overview 2
Slide 3: Macroeconomic Outlook: Slowdown in policy easing
Macroeconomic Outlook: Slowdown in policy easing Global PMI Central Banks Policy Rates Index, 50 = no change, January 2026 %, January 2026 70 10 EM BOE 60 8 Fed ECB 6.49 52.7 50.9 6 50 3.75 4 3.75 40 Services 2 2.15 Manufacturing 30 0 01/24 04/26 01/22 04/22 07/22 10/22 01/23 04/23 07/23 10/23 04/24
Slide 4: Banking Sector Overview: Profitability improved, participation banks strengthen position
Banking Sector Overview: Profitability improved, participation banks strengthen position Net Profit Funded Credits* Total Assets* TL Billion TL Billion TL Billion FC - TL +45.2% LC -TL +43.7% 2024 +42.4% 2024 24,416 59.0% 2025 2025 8,942 46,947 940.2 16,815 (37%) 2,247 +62.7% +35.2% 660.3 6,084 1,01
Slide 5: 2025 Financial Results
2025 Financial Results alBarakaO PIONEER BANKING
Slide 6: Sustained strong performance, ahead of 2025 guidance
Sustained strong performance, ahead of 2025 guidance Net Profit* Income – Cost Dynamics 2024 Return on Avg. Equity & Assets* TL Billion % TL Billion 2025 +56.8% 2024 +41.8% 2025 +35.9 +205.7% 12.8 2025(Excl. 13.2 10.6 +21.8% Free P. Reversal) 63.9 +1.8 +48.2% +19.3% 8.2 Net Profit 7.5 7.1 7.0 4 3.4
Slide 7: 2025 targets delivered with positive upside
2025 targets delivered with positive upside 2025 Revised Guidance 2025 Realized Credit Growth ~50% 59.5% Non-Performing Credits Ratio <2% 1.7% Special Provisioning Ratio ~85% 80.7% Net Profit Share Margin 2.5% 3.4% (Inc. Swap cost) 29.9% Return on Equity 25-30% 63.9%* *Including free provisions reve
Slide 8: Robust asset growth, with NPSM recovery accelerating in Q4'25
Robust asset growth, with NPSM recovery accelerating in Q4’25 Other Assets Composition of Total Assets Securities TL Billion , % Cash and Equivalents Funded Credits +50.2% 466.4 Net Profit Share Margin 416.7 5.3% Swap adj. % 388.7 +11.9% 350.7 5.4% 19.1% 5.2% 310.5 4.9% 19.6% 20.3% 5.5% 20.1% 26.1%
Slide 9: Solid credit expansion with a prudent mix
Solid credit expansion with a prudent mix Total Funded Credits Currency Breakdown of Performing Credits* TL Billion - Inc. f.Leasing. TL million . excl. expected credit losses(provisions) TL Billion. % +59.5% +58.9% P/L Projects 236.8 232.8 Stage 3 1.7% 5.0% +54.6% 5.6% Stage 2 +64.6% 2024 FC - TL 1
Slide 10: Asset quality remained strong with NPL ratio below sector average
Asset quality remained strong with NPL ratio below sector average Non Performing Credits Development NPL Ratio TL Billion % NPL Ratio 2.5 Net NPL Ratio 0.5 2.0 1.70% 0.7 4.0 1.58% 1.36% 1.34% 1.41% 3.2 1.5 2.0 1.0 0.5 0.27% 0.33% 0.17% 0.19% 0.20% 0.0 NPL Amount Additional Collection 2025 Total NPL
Slide 11: Securities portfolio remained aligned with market dynamics
Securities portfolio remained aligned with market dynamics Total Total Securities Portfolio Securities Yield* LC Available for Sale TL Billion % Marketable Securities 26.4 FC 28 26.0 25.8 25.0 25.7 +33.8% Held to Maturity 84.5 88.9 76.3 +5.3% 21 66.5 70.4 15.5 34.0% 34.9% 14.1 27.9% 28.5% 14 14.7 14
Slide 12: Well-diversified funding mix supporting cost optimization and flexibility
Well-diversified funding mix supporting cost optimization and flexibility Composition of Total Liabilities Currency Breakdown of Collected Funds TL Billion TL Billion Other Liabilities +50.2% +35.8% Equity 466.4 278.0 Borrowings 5.4% 5.2% Current Accounts 204.8 FC - TL 310.5 29.7% 53.5% Participatio
Slide 13: Efficient deposit structure supporting lower cost of deposit
Efficient deposit structure supporting lower cost of deposit Current Accounts Participation Accounts TL Billion – Annual Growth % TL Billion – Annual Growth % +56.3% 2024 +17.9% 2024 121.4 2025 2025 98.9 77.6 84.0 +26.3% +43.0% +28.1% +17.2% 24.0 30.3 27.5 19.2 2.2 2.9 0.6 0.6 TL FX-TL FX-USD TL FX-
Slide 14: Sustained improvement in income-cost balance despite tight monetary conditions
Sustained improvement in income-cost balance despite tight monetary conditions Income-Cost Dynamics Cost - Income* TL Billion +79.9% 33.1 70 12.4 (37.4%) +41.4% 60 19.9 0.0 50 18.4 5.0 (0.0%) 6.0 3.3 (15.2%) 40 (17.7%) 14.1 (30.2%) 44.5 0.1 40.4 3.4 5.1 3.7 (0.7%) 37.0 38.8 (18.4%) (15.5%) 30 35.0 (
Slide 15: Sustainable profitability continues with strong financial dynamics
Sustainable profitability continues with strong financial dynamics YoY QoQ (TL Million) Notes 2024 2025 % Q3’25 Q4’25 % Net profit share income increased by 42% YoY and by around 430% QoQ in Net Profit Share Income 7,451 10,569 42% 1,415 7,484 429% Q4’25, primarily supported by P/L projects gains an
Slide 16: Boosted internal capital generation further supports capital adequacy ratios
Boosted internal capital generation further supports capital adequacy ratios Capital Breakdown % Capital Adequacy Ratio % 3.0% AT-1 Tier-2 20.2% 25.6% 33.6% Core Capital 19.7 2024 2025 19.0 17.2 63.4% 14.8 14.1 54.2% 10.9 10.3 11.0 11.4 CAR Development 147 bps 621 bps 977 bps 247 bps 19% 17.2% 73 bp
Slide 17: 2026 Guidance
2026 Guidance 2026 Guidance Credit Growth ~40% Non-Performing Credits Ratio <2.5% Special Provisioning Ratio ~75% Net Profit Share Margin ~3.5% (Swap adjusted) (4.5% incl. investment fund income) Return on Equity 25%-30% 17
Slide 18: Appendix
Appendix alBarakaO PIONEER BANKING
Slide 19: Summary Balance Sheet
Summary Balance Sheet (TL Million) 2024 2025 Growth (%) (TL Million) 2024 2025 Growth (%) Cash and Balances with Funds Collected 204,767 278,044 36% 60,893 87,152 43% Central Bank Funds Borrowed 50,237 105,972 111% Banks 22,072 34,715 57% Borrowings from Money - 14,021 N/A Money Market Placements -
Slide 20: Summary Income Statement
Summary Income Statement (TL Million) 2024 2025 Growth (%) Profit Share Income 42,060 66,679 59% Profit Share Expense 34,609 56,110 62% Net Profit Share Income 7,451 10,569 42% Net Fees and Commissions Income 3,392 5,026 48% Fees and Commissions Received 4,023 5,975 48% Fees and Commissions Paid (-)
Slide 21: Thank You
THANK YOU alBarakaO PIONEER BANKING
Slide 22: Disclaimer
DISCLAIMER THIS PRESENTATION AND THE INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY NOT BE REPRODUCED. CIRCULATED. DISTRIBUTED OR PUBLISHED (IN WHOLE OR IN PART) OR DISCLOSED BY RECIPIENTS TO ANY OTHER PARTY. BY VIEWING THIS PRESENTATION. YOU AGREE TO BE BOUND BY THE FOREGOING LIMITATIONS. Thi
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