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

Albaraka Turk Katilim Bankasi A.s — Albaraka Türk Katılım Bankası A.Ş. — H1 2026 Earnings Presentation

21 slides from Albaraka Turk Katilim Bankasi A.s's earnings presentation, 2026

  1. Slide 1: Investor Presentation 1H'2026

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

  2. Slide 2: Macroeconomic Outlook & Banking Overview

    Macroeconomic Outlook & Banking Overview 2

  3. Slide 3: Macroeconomic Outlook: Easing cycle on hold

    Macroeconomic Outlook: Easing cycle on hold Central Banks Policy Rates Türkiye: Inflation and Policy Rate %, July 2026, EM: June 2026 Annual % Change, July 2026 9 Policy Rate (Compound) 8 Fed ECB 100 Policy Rate (Simple) 7 BOE EM 6.45 80 Inflation 6 5 60 4 44,6 3.75 37,0 3 40 2.40 31,8 2 20 1 0 0 04

  4. Slide 4: Banking Sector Overview: Profitability remained under pressure

    Banking Sector Overview: Profitability remained under pressure Total Assets1 Cash (Funded) Credits 1,2 NPL Ratio* TL Billion TL Billion % 1H’25 1H’25 1H’25 +16.4% 2025 2025 2025 1H’26 +12.3% +13.7% 28,422 1H’26 +20.0% +0.28 1H’26 24,416 +0.46 20,540 +38.4% 52,728 4,920 2,697 2.35% 2.63% 46,947 4,327

  5. Slide 5: 1H'2026 Financial Results

    1H’ 2026 Financial Results alBarakaO PIONEER BANKING

  6. Slide 6: Core performance remained solid despite base effects

    Core performance remained solid despite base effects Net Profit Return on Avg. Equity & Assets* -66.1% TL Million % 9,102 RoAA RoAE 3.57% Free Pr. 65.4% Reversal Effect 7,000 +0.08 +1.7 +141.6% 29.9% 1.47% 1.55% 28.3% 3,087 +0.15 +4.2 2,184 +46.9% 904 1.41% 25.7% 2,102 1H’25 1H’26 Q1’26 Q2’26 1H’25

  7. Slide 7: Balanced asset growth with NPSM normalization

    Balanced asset growth with NPSM normalization Composition of Total Assets Total Assets Movements TL Billion, % TL Billion, % +14.6% Other Assets 534.6 Securities 534.6 6.5% 12.6 36.1 Cash and Equivalents 466.4 14.5 388.7 5.3% 17.8% +37.5% 388.7 72.1 Funded Credits 19.1% 2.5 8.1 5.2% 19.6% 23.9% 26.1

  8. Slide 8: Sustained growth in funded credits with a balanced portfolio mix

    Sustained growth in funded credits with a balanced portfolio mix Total Funded Credits Currency Breakdown of Performing Credits* TL Billion - Inc. f.Leasing, TL million, excl. expected credit losses(provisions) TL Billion, % +20.0% 1H’25 +27.2% Stage 1 284.3 2025 Stage 2 1.9% 236.8 7.0% 162.9 1H’26 S

  9. Slide 9: Solid asset quality supported by a low NPL ratio

    Solid asset quality supported by a low NPL ratio Non Performing Credits Development NPL Ratio NPL Ratio TL Billion % Net NPL Ratio 2.5 1.84% 1.93% 5.5 2.0 1.70% 0.7 0.0 1.58% 2.2 1.41% 4.0 1.5 1.0 0.44% 0.50% 0.5 0.27% 0.33% 0.20% 0.0 NPL Amount Additional Collection Write-Off NPL Amount Q2’25 Q3’25

  10. Slide 10: Securities portfolio aligned with market conditions, supporting yield contribution

    Securities portfolio aligned with market conditions, supporting yield contribution Total Securities Portfolio TL Billion FC Securities +7.1% TL Securities TL Securities 1H’26 95.3 88.9 CPI Linked Sukuk** 76.3 31.0% +24.8% 37.2% 11.4% 43.1% 65.7 69.0% 62.8% 56.9% 88.6% 1H’25 2025 1H’26* **There are C

  11. Slide 11: Well-diversified funding mix supporting cost optimization and flexibility

    Well-diversified funding mix supporting cost optimization and flexibility Composition of Total Liabilities Total Liabilities Movements Other Liabilities TL Billion TL Billion Equity +14.6% Borrowings 534.6 Current Accounts 534.6 8.0 36.5 29.9 18.7 Participation Accounts 466.4 9.7% 22.2 5.2% 388.7 20

  12. Slide 12: Efficient deposit structure supporting a lower cost of deposit

    Efficient deposit structure supporting a lower cost of deposit Current Accounts Participation Accounts TL Billion – Annual Growth % TL Billion – Annual Growth % +50.9% -13.7% 1H’25 2025 1H’26 149.3 30.3 26.1 106.4 +40.3% -3.3% 98.9 -10.6% 20.9 +24.9% 2.9 2.8 0.65 0.65 0.58 2.4 -10.7% +16.2% TL FX-US

  13. Slide 13: NPSI growth supported by selective financing strategies

    NPSI growth supported by selective financing strategies Profit Share Income Movement TL Billion 43.7 Fees & Commisions Income 1.0 0.1 3.0 TL Billion, Quarterly 12.6 +61.6% +6.6% 27.0 1.4 TL 3.2 billion from 1.5 1.3 Selective Credits 1.3 19.6% Income 1.2 1H’25 Credit Security Req. Other 1H’26 Income*

  14. Slide 14: Resilient profitability, driven by robust revenue streams

    Resilient profitability, driven by robust revenue streams YoY QoQ (TL Million) Notes 1H’25 1H’26 % Q1’26 Q2’26 % YoY growth surged to 425%, with QoQ performance expanding by 74%, Net Profit Share Income 1,671 8,763 425% 3,198 5,565 74% partially supported by ~TRY 1.7 bn in P&L projects valuation gai

  15. Slide 15: Capital adequacy remains sufficient to support growth

    Capital adequacy remains sufficient to support growth Capital Breakdown % Capital Adequacy Ratio % AT-1 20.2% 20.4% 25.6% Tier-2 Core Capital 2025 1H’26 19.0 54.1% 25.5% 15.6 15.9 14.1 54.2% 11.6 12.0 10.3 8.4 8.8 CAR Development 19.0% 38 bps 44 bps 34 bps 408 bps 15.6% 43 bps Core CAR % Principal C

  16. Slide 16: 2026 Guidance: On track to meet year-end targets

    2026 Guidance: On track to meet year-end targets 1H’26 2026 YE Realization Guidance Credit Growth 20% ~40% Non-Performing Credits Ratio 1.93% <2.5% Special Provisioning Ratio 74.3% ~75% Net Profit Share Margin 3.42% ~3.5% (Swap adjusted) (4.33%incl. investment fund income) (4.5% incl. investment fun

  17. Slide 17: Appendix

    Appendix alBarakaO PIONEER BANKING

  18. Slide 18: Summary Balance Sheet

    Summary Balance Sheet (TL Million) 2025 1H'26 Growth (%) (TL Million) 2025 1H’26 Growth (%) Cash and Balances with Funds Collected 278,044 329,970 19% 87,152 104,853 20% Central Bank Funds Borrowed 105,972 109,035 3% Banks 34,715 22,683 -35% Borrowings from Money 14,021 15,851 13% Money Market Place

  19. Slide 19: Summary Income Statement

    Summary Income Statement (TL Million) 1H’25 1H’26 Growth (%) Profit Share Income 27,024 43,678 62% Profit Share Expense 25,354 34,915 38% Net Profit Share Income 1,671 8,763 425% Net Fees and Commissions Income 2,231 2,749 23% Fees and Commissions Received 2,646 3,863 46% Fees and Commissions Paid (

  20. Slide 20: Thank You

    THANK YOU alBarakaO PIONEER BANKING

  21. Slide 21: 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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