Albaraka Turk Katilim Bankasi A.s. · BIST:ALBRK

Albaraka Turk Katilim Bankasi A.s — Albaraka Türk Katılım Bankası A.Ş. — Q1 2026 Earnings Presentation

20 slides from Albaraka Turk Katilim Bankasi A.s's earnings presentation, Aug 14, 2026

  1. Slide 1: Investor Presentation Q1'2026

    Investor Presentation Q1’2026 Based on Bank-only financials 1

  2. Slide 2: Macroeconomic Outlook & Banking Overview

    Macroeconomic Outlook & Banking Overview 2

  3. Slide 3: Macroeconomic Outlook: Slowdown in policy easing

    Macroeconomic Outlook: Slowdown in policy easing Central Banks Policy Rates Türkiye: Inflation and Policy Rate %, April 2026, EM: March 2026 Annual % Change, April 2026 9 Policy Rate (Compound) 8 Fed ECB 100 Policy Rate (Simple) 7 BOE EM 6.45 80 Inflation 6 5 60 4 3.75 44,6 3.75 40 37,0 3 32,4 2 2.1

  4. Slide 4: Banking Sector Overview: Participation banks lead growth, profitability moderates

    Banking Sector Overview: Participation banks lead growth, profitability moderates Total Assets1 Cash (Funded) Credits 1,2 NPL Ratio* TL Billion TL Billion % Q1’25 Q1’25 Q1’25 2025 2025 2025 +5.9% +9.3% +7.8% Q1’26 +7.5% +0.1 Q1’26 Q1’26 +0.3 46,947 49,731 4,327 4,730 24,416 26,328 2,247 2,415 2.4% 2

  5. Slide 5: Q1'2026 Financial Results

    Q1’2026 Financial Results alBarakaO PIONEER BANKING

  6. Slide 6: Core performance remains strong, with base effects impacting headline trends

    Core performance remains strong, with base effects impacting headline trends Net Profit* Return on Avg. Equity & Assets* TL Million % 7,846 -62.2% RoAA -59.7% Net Profit 3.9% RoAE 70.1% Free Provision 3.4% Free Provision 63.9% Reversal Reversal Effect 7,000 3,375 1.5% 28.3% -0.1 +0.7 904 1.5% 1.6% 1

  7. Slide 7: Moderate asset growth with NPSM normalizing in a challenging environment

    Moderate asset growth with NPSM normalizing in a challenging environment Composition of Total Assets Total Assets Movements TL Billion, % TL Billion , % +7.2% Other Assets 500.0 500.0 Securities 466.4 5.2% 7.8 36.0 Cash and Equivalents 5.3% 19.6 19.0% +42.6% 350.7 71.8 Funded Credits 350.7 19.1% 6.4

  8. Slide 8: Sustained funded credit growth with stable portfolio composition

    Sustained funded credit growth with stable portfolio composition Total Funded Credits Currency Breakdown of Performing Credits* TL Billion - Inc. f.Leasing. TL million . excl. expected credit losses(provisions) TL Billion. % +8.6% +12.8% Q1’25 2025 Q1’26 Stage 1* 257.2 Stage 2 236.8 1.8% 1.7% 5.9% S

  9. Slide 9: Asset quality remains strong with NPL ratio still at low levels

    Asset quality remains strong with NPL ratio still at low levels Non Performing Credits Development NPL Ratio TL Billion % NPL Ratio 2.5 Net NPL Ratio 4.7 1.84% 0.3 2.0 1.70% 1.1 0.0 1.58% 4.0 1.41% 1.34% 1.5 1.0 0.33% 0.44% 0.5 0.19% 0.20% 0.27% 0.0 NPL Amount Additional Collection Write-Off NPL Amo

  10. Slide 10: Securities portfolio aligned with market Dynamics, yield contribution improving

    Securities portfolio aligned with market Dynamics, yield contribution improving Total Securities Portfolio TL Billion FC Securities +7.1% TL Securities TL Securities Q1’26 95.2 88.9 CPI Linked Sukuk 70.4 36.9% +35.3% 11.5% 37.2% 43.6% 60.1 62.8% 63.1% 56.4% 88.5% Fixed Q1’25 2025 Q1’26 * There are C

  11. Slide 11: Well-diversified funding base with stable and resilient structure

    Well-diversified funding base with stable and resilient structure Composition of Total Liabilities Total Liabilities Movements Other Liabilities TL Billion TL Billion Equity +42.6% Borrowings 500.0 Current Accounts 500.0 37.3 466.4 10.2 7.6 5.6% 32.0 Participation Accounts 5.2% 5.1% 35.0 5.4% 350.7

  12. Slide 12: Improved cost of funds collected supported by deposit trends

    Improved cost of funds collected supported by deposit trends Current Accounts Participation Accounts TL Billion – Annual Growth % TL Billion – Annual Growth % +17.3% -18.7% Q1’25 2025 Q1’26 116.1 30.3 98.9 82.3 +41.1% 24.6 +5.6% -4.3% 20.9 +17.5% 2.9 3.0 0.59 0.65 0.62 2.4 +26.2% +5.6% TL FX-USD TL

  13. Slide 13: Robust expansion in NPSI fueled by selective financing strategies

    Robust expansion in NPSI fueled by selective financing strategies Profit Share Income Movement TL Billion 0.0 19.5 Fees & Commisions 1.3 0.4 TL Billion 5.2 +54.1% 12.7 +27.4% TL 1.7 billion from 5.0 6 Selective Credits Income 5 1Q 2025 Credit Income Security Req. Reserves Other 1Q 2026 3.6 Income In

  14. Slide 14: Profitability remains sustainable, driven by solid financial performance

    Profitability remains sustainable, driven by solid financial performance YoY QoQ (TL Million) Notes Q1’25 Q1’26 % Q4’25 Q1’26 % YoY growth reached 190%, though QoQ performance reflected the absence Net Profit Share Income 1,102 3,198 190% 7,484 3,198 -57% of prior-quarter P/L project-related gains.

  15. Slide 15: CAR remains robust despite regulatory adjustments

    CAR remains robust despite regulatory adjustments Capital Breakdown % Capital Adequacy Ratio % AT-1 20.2% 20.8% 25.6% Tier-2 Core Capital 2025 Q1’26 19.0 53.0% 26.2% 15.8 16.4 14.1 54.2% 11.6 12.2 10.3 8.4 9.0 CAR Development* 18,95% 28 bps 3 bps 16 bps 318 bps 15.77% 47 bps Core CAR % Principal CAR

  16. Slide 16: Appendix

    Appendix alBarakaO PIONEER BANKING

  17. Slide 17: Summary Balance Sheet

    Summary Balance Sheet (TL Million) 2025 Q1’26 Growth (%) (TL Million) 2025 Q1’26 Growth (%) Cash and Balances with Funds Collected 278,044 301,081 8% 87,152 86,532 -1% Central Bank Funds Borrowed 105,972 111,892 6% Banks 34,715 41,831 20% Borrowings from Money 14,021 14,626 4% Money Market Placement

  18. Slide 18: Summary Income Statement

    Summary Income Statement (TL Million) Q1’25 Q1’26 Growth (%) Profit Share Income 12,663 19,514 54% Profit Share Expense 11,562 16,317 41% Net Profit Share Income 1,102 3,198 190% Net Fees and Commissions Income 1,044 1,331 27% Fees and Commissions Received 1,236 1,801 46% Fees and Commissions Paid (

  19. Slide 19: THANK YOU

    THANK YOU alBarakaO PIONEER BANKING

  20. Slide 20: 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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