31 slides from Turkiye Is Bankasi Anonim Sirketi's investor presentation, Aug 24, 2026
Slide 1: Investor Presentation 2026 H1
INVESTOR PRESENTATION 2026 H1
Slide 2: Contents
Contents Section İşbank at a Glance Financial Highlights Appendix 1
Slide 3: İşbank at a Glance
İşbank at a Glance Ownership Structure International Presence • 22 foreign branches, 3 fully owned bank Free Float subsidiaries, 2 representative offices in 33.25% ▪ Stable ownership structure for many 11 countries decades İşbank Pension Fund 38.66% Ataturk ▪ Wide-spread shareholder base • Strong an
Slide 4: The Largest Private Bank
The Largest Private Bank Main Balance Sheet Items(1) Market Share (%) 2026 H1 Rank(2) Total Assets 10.6 1st Total Loans 10.6 1st TL Loans 10.7 2nd FX Loans 10.4 1st Consumer Loans(3) 13.1 3rd Non-Retail Loans 9.1 1st Total Deposits 12.1 1st TL Deposits 10.9 2nd FX Deposits 14.1 1st Demand Deposits(4
Slide 5: Contents
Contents Section İşbank at a Glance Financial Highlights Appendix 4
Slide 6: Growth Performance
Growth Performance Total Assets (TL mn.) Loans (TL mn.) % 10.1 % 5,091,171 13.1 4,624,940 2,606,420 2,305,096 3,323,776 2,453,783 1,622,484 1,147,371 1,408,323 759,289 2022 2023 2024 2025 2026 H1 2022 2023 2024 2025 2026 H1 Deposits (TL mn.) Shareholders’ Equity (TL mn.) 9.7% 6.0% 3,397,986 3,098,90
Slide 7: Asset Structure
Asset Structure Main Balance Sheet Items Asset Composition (TL mn.) 2025 2026 H1 Change Cash & Banks 1,001,893 990,818 -1.1% 21.7% 19.5% Cash & Banks Securities (Net) 774,904 859,113 10.9% 16.8% 16.9% Securities Loans 2,305,096 2,606,420 13.1% Loans Participations (Net) 278,505 306,018 9.9% 49.8% 51
Slide 8: Solid Lending Franchise
Solid Lending Franchise Loan Portfolio QoQ Change (TL mn.) Loans / Deposits %5.5 % 5.5 3 % %6. 6.3 2,469,979 2,606,420 74.4% 76.7% % 4.1 4.1 % 1,584,217 1,684,641 885,762 921,779 (*) TL FX Total 2026 Q1 2026 Q2 2025 2026 H1 Loans/Deposits (*) -0.8% change in FX loans when adjusted for the change in
Slide 9: Diversified Loan Portfolio
Diversified Loan Portfolio … 60%comprised of retail and SME loans. Total Loans (TL mn.) Consumer Loans(1) (TL mn.) 2,305,096 2,606,420 378,028 428,543 16.4% 16.4% Retail Loans 37% 47.7% 19.2% 20.1% 52.3% General Purpose Consumer Loans (1) Auto Loans Consumer 23.0% 23.1% 2.9% (2) Credit Cards 2.3% Ho
Slide 10: Securities Portfolio
Securities Portfolio TL Securities(1) (bn. TL) FX Securities (bn. USD) 14.3% 6.9% -4.9% 599 524 561 5.9 5.9 5.6 Fixed 46,5% 43,9% 48,1% CPI Other FRN 29,8% 24,9% 25,5% 26,3% 27,0% 28,0% 2025 2026 Q1 2026 Q2 2025 2026 Q1 2026 Q2 Breakdown of Securities (2026 Q2) CPI Linkers (Quarterly) 26 Q1 26 Q2 Yi
Slide 11: Strong Fund Generation Capability
Strong Fund Generation Capability Main Balance Sheet Items Liabilities Composition (TL mn.) 2025 2026 H1 Change Deposits 3,098,900 3,397,986 9.7% 9.2% 8.9% REPOs & Money Market 367,651 429,514 16.8% 7.0% 7.1% Equity 3.9% 4.5% Funds Borrowed 228,729 226,092 -1.2% 5.0% 4.4% 7.9% 8.4% Other Securities
Slide 12: Largest Deposits Franchise Among Private Banks
Largest Deposits Franchise Among Private Banks … a clear indicator of customer trust. Deposits QoQ Change (TL mn.) Share of Demand Deposits (in Total Deposits) %4.0 4.0% 3,267,809 3,397,986 %8.4 8.4% -%1.3 45.8% 43.6% 40.8% 40.5% 42.6% 1,786,407 1,935,803 1,481,402 1,462,183 TL FX (*) Total 2026 Q1
Slide 13: Margin & Spreads
Margin & Spreads NIM Evolution(1) (swap adjusted, quarterly) +7 bps • Full year NIM: +40 bps 3.7% 3.8% 3.2 – 3.4% -1 bps 2.9% 2.3% -76 bps -46 bps 2.1% 1.6% 1.2% -89 bps 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1 Loans Securities Other IEA Deposit Swap Cost Other IBL 2026 Q2 2026 Q3 2026 Q4 2026 H1 TL
Slide 14: Fee Income Performance
Fee Income Performance Net Fees & Commissions (mn. TL) Fees & Commissions Income (Net) 39.4% (TL thousand) 2026 Q1 2026 Q2 ∆ QoQ 2025 H1 2026 H1 ∆ YoY 18.8% 83,301 Cash Loans 3,665,675 3,889,557 6.1% 6,344,326 7,555,232 19.1% 59,745 Non-Cash Loans 2,118,733 2,225,725 5.0% 3,491,349 4,344,458 24.4% 4
Slide 15: Effective Cost Management
Effective Cost Management Net F&C / OPEX(1) Composition of OPEX(1) 7% Business 4% Development Costs 90% 27% 78% 83% 5% HR Expenses 71% Operating Costs 2026 H1 20% Depreciation SDIF Fees 2024 2025 2026 Q1 2026 Q2 37% Other Net F&C / HR Expenses OPEX(1) Growth Contribution (2026 H1, %) 225% 3.1 1.3 3.
Slide 16: Asset Quality
Asset Quality NPL Ratio & Share of Stage II NPL Trends (Quarterly, TL mn.) 3.73% 2.81% 2.62% NPL Ratio Share of Stage II (*) 2.51% 20,648 28,997 26,531 24,565 8,927 8,716 8,349 (2) 12.7% 17,814 11.2% 12.0% 15,639 (1) (1) 3.2% 3.5% 3.8% 25 Q4 26 Q1 26 Q2 25 Q4 26 Q1 26 Q2 Net NPL Formation Rate (3) A
Slide 17: Comfortable Capitalization
Comfortable Capitalization Capital Ratios (as of 2026 H1) • Internal Ratings-Based (IRB) Approach implementation has started as of July 2026. IRB- 17.3% compliant Capital Ratios will start to be disclosed 15.6% 14.3% 15.1% 11.8% 13.3% in the financial reports as of September 2026. If IRB Applied 15.
Slide 18: Profitability Ratios
Profitability Ratios Return on Assets Return on Equity RoAA RoATA(*) (*) RoAE RoATE 22.1% 18.6% 1.7% 16.8% 1.7% 13.8% 1.2% 1.2% 2025 2026 H1 2025 2026 H1 (*) Tangible Equity (TE) and Tangible Assets (TA) are calculated by the deduction of M-t-M valuation differences regarding Fin. Assets Measured at
Slide 19: Digital Acceleration through extensive use of AI, Data & Analytics
Digital Acceleration through extensive use of AI, Data & Analytics Share of Digital Channels Digital platforms that complements our solutions ~73% 80% 97% 16.0 mn 6 mn İşCep daily mobile share of retail share of commission share of total non- customers customers sales* through revenue through branch
Slide 20: Sustainability - 1
Sustainability - 1 Net-Zero 2030 interim target setting • Power Generation 61% First Blue Bond • Cement 21% Issuance First NET-ZERO •Iron&Steel 10% Green Bond BANKING • Aluminum 7% (First 100% ALLIANCE • Real estate 36% Green Eurobond First commitment •Oil and gas 15% in Türkiye) Sustainability- •Ro
Slide 21: Sustainability - 2
Sustainability - 2 High Level Commitment in Sustainability Sustainable Funding Strong Support for the Transition in Economy Governance • Share of Sustainable Funding in FX Wholesale Funding 50.0% First bank in Türkiye to announce its Climate Transition • First-ever domestic green debt instrument iss
Slide 22: Sustainability - 3
Sustainability - 3 International Initiatives ESG Rating & Indices Low Risk CSA 2025 Score : 75 Climate Change Global Leadership «A» 3/900 - Global Banks Water Security Leadership «A-» Reporting & Awards Environment-friendly Operations • All locations covered by ISO 14001:2015 (As of 30.06.2026) • He
Slide 23: Contents
Contents Section İşbank at a Glance Financial Highlights Appendix 22
Slide 24: Income Statement Highlights
Income Statement Highlights (TL mn.) 2026 Q1 2026 Q2 ∆ QoQ 2025 H1 2026 H1 ∆ YoY Net Interest Income 41,760 33,371 -20.1% 32,595 75,130 130.5% (1) Swap Cost 8,086 13,120 62.3% 13,377 21,206 58.5% Net Interest Income Incl. Swap Cost 33,674 20,251 -39.9% 19,218 53,924 180.6% Net Fees & Commissions 38,
Slide 25: Payment Systems
Payment Systems • Broad Maximum Loyalty Programme with 467,402 Maximum Sales Points and 1,133,175 chains • Pioneering and leading bank in e-commerce, online shopping and Mobile contactless payments • 26 alternative payment methods accepted in over 50 countries in e- commerce • Accepting the highest
Slide 26: İşbank as a Group: Creating Synergies
İşbank as a Group: Creating Synergies … as one of the biggest conglomerates in Turkey. İşbank Core Business Non-core Business Banking Services Financial Services Non-financials Corporate & Commercial Banking Insurance Glass SME & Agricultural Banking Private Pension Renewable Energy Retail Banking A
Slide 27: A Diversified Equity Participation Portfolio
A Diversified Equity Participation Portfolio Sectoral Breakdown Participation Mix Other 12.8% Banks 19.0% Non-Financial Financial Insurance 51.6% Glass 48.4% 35.6% 14.0% Financial Ins 18.6% • As of June 2026, – İşbank has 17 direct participations. – Share of participations in total assets is 6.0%. N
Slide 28: Glass
Glass General Information Financial Information (Con., IFRS) (3) • Şişecam is a leading flat glass, glassware, glass packaging and USD (Million) 2026/3 2025/12 chromium chemicals producer in the domestic market. Total Assets 12,201 11,894 Shareholders’ Equity (includes 6,483 6,318 • Backed by its vi
Slide 29: Financial Participations
Financial Participations Company Name Field of Activity Bank’s Direct Share(%) Group Share (%) Assets Shareholders' Equity (USD 000) (USD 000) Anadolu Hayat Emeklilik A.Ş. Life Insurance & Private 63.92 84.92 10,408,721 281,200 Pension Türkiye Sınai Kalkınma Bankası A.Ş. Investment Bank 47.68 51.65
Slide 30: Disclaimer Statement
Disclaimer Statement The information in this document has been obtained by Türkiye İş Bankası A.Ş. (“İşbank”) from sources believed to be reliable, however, bank cannot guarantee the accuracy, completeness , or correctness of such information. This document has been issued for information purposes o
Slide 31: Investor Relations and Sustainability Division Contact Information
Investor Relations and Sustainability Division Contact Information Nilgün Yosef Osman İşbank Investor Relations and Sustainability Division Head of Investor Relations and Sustainability Division Türkiye İş Bankası Head Office Phone: +90 212 316 16 00 İş Kuleleri Kule 1 34330 Levent/Istanbul - Turkey