Sekerbank T.A.S. · BIST:SKBNK
Sekerbank T.A.S — Q3 2026 Earnings Presentation
16 slides from Sekerbank T.A.S's earnings presentation, Sep 30, 2026
Slide 1: Financial Results as of 30 September 2026
FINANCIAL RESULTS as of 30 September 2026 0
Slide 2: Türkiye’s Social and Environmental Bank For 73 Years
Türkiye’s Social and Environmental Bank For 73 Years Key Strengths Well established branch network Widespread long term DFI funding throughout Türkiye Pioneering role in ESG banking 239 branches & 8 regional offices • 100% ESG based DFI funding Deep know-how in SME and Agricultural banking • First e
Slide 3: Strong Financial Performance
Strong Financial Performance Key Financial Metrics (Consolidated as of September 2026) Şekerbank’s Ratings Capital Adequacy Liquidity Coverage Long Term FC IDR B+ CAR: 22.3% FX LCR: 197.9% Total LCR: 102.6% Long Term LC IDR B+ Tier-1: 19.8% Viability Rating b+ NPL Ratio Loan/Deposit1 Long Term FC Ba
Slide 4: Growing Asset Size and Loan Book in Agricultural and SME Banking
Growing Asset Size and Loan Book by Building on Its Deep-Rooted Expertise in Agricultural and SME Banking Total Gross Loans1 The Bank’s Segment Breakdown of Loans2 Stage Distribution of Loans1 Stage 1 +49% 9 Month 1.7% Stage 2 Growth 183.7 3.3% Stage 3 Retail TL Bn 37.5% 21.0% 12.3% 27.7% 1.5% +92%
Slide 5: Resilient Asset Quality Maintained by Disciplined Risk Management
Resilient Asset Quality Maintained by Disciplined Risk Management and Key Expertise o Sound asset quality maintained with the support of advanced SME & Agro underwriting and monitoring systems. NPL Ratio Development Consolidated Bank only 3.1% Sector1 2.8% 2.5% 2.6% Total Net CoR2 1.8% 1.4% 1.4% 1.6
Slide 6: Proactively Managed Securities Portfolio
Proactively Managed Securities Portfolio Composition by Classification1 Currency Distribution1 TL and FX Securities by Type1 TL Securities FX Securities Financial Assets at Financial Assets at 12.5 Bn TL $471 Mn Fair Value Through Fair Value Through 3.8% Other Comprehensive Income Profit and Loss (A
Slide 7: Solid Liquidity Supported by Granular Customer Deposits
Solid Liquidity Supported by Granular Customer Deposits Total Deposits1 TL Deposits1 FX Deposits1 +34% +32% +20% 191.9 +88% +58% TL Bn 114.3 +89% 86.5 TL Bn $1,586 $1,321 Mn TL Bn Mn 143.1 46.0 $838 TL Bn TL Bn Mn 60% TL Dec-24 Dec-25 Sep-26 Dec-24 Dec-25 Sep-26 60% 75.5 Segment Breakdown of Deposit
Slide 8: Diversified Funding Portfolio, 100% ESG Based DFI Funding
Diversified Funding Portfolio, 100% ESG Based DFI Funding o Şekerbank successfully completed a USD 200 million Additional Tier-1 (AT1) bond issuance in July 2025 in international capital markets which is followed by another USD 150 million AT1 bond issued in February 2026. The transaction attracted
Slide 9: Sustainable Profitability and Solid Capital Ratios
Sustainable Profitability and Solid Capital Ratios Net Profit Development1 (Mn TL) Capital Adequacy Ratios1 Consolidated 1 bn TL Bank only Minimum free provisions Legal +50% +112% Requirements CAR: 12.0% 22.34% Tier-1: 8.5% 3,235 CET-1: 7.0% 2,562 19.79% 2,150 1,211 Sep-25 Sep-26 Sep-25 Sep-26 Net F
Slide 10: Indexes, Initiatives and Sustainability Rating
Indexes, Initiatives and Sustainability Rating o Şekerbank demonstrated its strong performance in sustainability on an international scale by achieving the highest “A” score in all categories of the Carbon Disclosure Project (CDP) «Climate Change, Water Security, and Deforestation. With this result,
Slide 11: Appendix
APPENDIX
Slide 12: Consolidated Balance Sheet
Consolidated Balance Sheet TL Mn YE-2024 YE-2025 Q1 2026 Q2 2026 Q3 2026 Cash and balances with Central Bank 13,637 31,524 39,611 46,921 49,158 Securities portfolio (net) 18,706 26,349 32,138 34,718 36,191 Deposits with banks 1,808 2,354 3,127 3,301 4,730 Money market placements 14,292 17,144 9,155
Slide 13: Consolidated Income Statement
Consolidated Income Statement TL Mn YE-2024 Q3 2025 YE-2025 Q3 2026 Interest Income 24,818 27,839 39,701 45,462 Interest Expense (-) 16,553 19,059 26,386 29,182 Net Interest Income 8,265 8,780 13,315 16,280 Net Fee And Commission Income 754 1,998 3,124 4,080 Dividend Income 4 9 9 16 Trading Income (
Slide 14: Contact Details
Contact Details Fatma Nur Çetinel Executive Vice President Treasury and Financial Institutions Ayben Akyürük Büşra Uğuz Head of Investor Relations and Structured Finance Head of Strategy and Sustainable Banking Tel: +90 212 319 71 57 Tel: +90 212 319 78 95 Ayben.Akyuruk@sekerbank.com.tr Busra.Uguz@s
Slide 15: Legal Notice For Investors
Legal Notice For Investors Legal Notice The information in this document has been obtained by Şekerbank T,A,Ş, (“Şekerbank”) from sources believed to be reliable, However, Şekerbank cannot guarantee the accuracy, completeness or correctness of such information, This document has been issued for info
Slide 16: Sekerbank
Sekerbank S