31 slides from Turkiye Is Bankasi Anonim Sirketi's earnings presentation, Aug 11, 2025
Slide 1: Investor Presentation 2025 H1
INVESTOR PRESENTATION 2025 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 Free Float bank subsidiaries, 2 representative 33.3% Stable ownership structure for many offices in 11 countries decades İşbank Pension Fund 38.7% Ataturk Wide-spread shareholder base • Strong and
Slide 4: The Largest Private Bank
The Largest Private Bank Main Balance Sheet Items (1) Market Share (%) 2025 H1 Rank(2) Total Assets 11.0 1st Total Loans 10.9 1st TL Loans 11.0 2nd FX Loans 10.9 1st Consumer Loans (3) 12.7 3th Non-Retail Loans 9.9 1st Total Deposits 12.1 1st TL Deposits 10.8 1st FX Deposits 14.4 1st Demand Deposits
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.) % 19. 6 3,975,558 % 22. 0 3,323,776 1,978,648 2,453,783 1,622,484 1,147,371 1,408,323 926,569 759,289 493,378 2021 2022 2023 2024 2025 H1 2021 2022 2023 2024 2025 H1 Deposits (TL mn.) Shareholders’ Equity (TL mn.) % 23. 7 % 13. 3 2,631,296 2,12
Slide 7: Asset Structure
Asset Structure Main Balance Sheet Items Asset Composition (TL mn.) 2024 2025 H1 Change Cash & Banks 682,396 848,851 24.4% 20.5% 21.4% Cash & Banks Securities (Net) 653,869 712,396 9.0% 19.7% 17.9% Securities Loans 1,622,484 1,978,648 22.0% Loans Participations (Net) 204,183 240,494 17.8% 48.8% 49.8
Slide 8: Solid Lending Franchise
Solid Lending Franchise Loan Portfolio QoQ Change (TL mn.) Loans / Deposits .5 5% %11 11. .1 1% %10 10. 76.3% 75.2% % 13.8 13. 8% 1,978,648 1,774,549 1,105,051 1,216,520 669,498 762,128 TL FX (*) Total 2024 2025 H1 2025 Q1 2025 Q2 Loans/Deposits (*) 8.4% change in FX loans when adjusted for the chan
Slide 9: Diversified Loan Portfolio
Diversified Loan Portfolio … 54% comprised of retail and SME loans. Total Loans (TL mn.) Consumer Loans(1) (TL mn.) 1,622,484 1,978,648 238,779 301,979 15.3% 15.3% Retail Loans 33% 16.1% 17.2% 57.2% 52.3% General Purpose Consumer Loans (1) Auto Loans 22.8% 21.6% Consumer (2) Credit Cards 4.0% Housin
Slide 10: Asset Quality
Asset Quality NPL Ratio & Share of Stage II NPL Trends (Quarterly, TL mn.) NPL Ratio Share of Stage II Net NPL Formation Rate(1) 1.15% 2.34% 1.66% 15,208 14,892 10,631 9,923 7,794 (*) 7,098 6,057 5,285 9.3% 10.1% 4,574 9.1% 2.1% 2.4% 2.5% 24 Q4 25 Q1 25 Q2 24 Q4 25 Q1 25 Q2 Additions to NPLs Recover
Slide 11: Securities Portfolio
Securities Portfolio Breakdown of TL & FX Securities Classification of Securities 2025 H1 2024 2025 H1 TL FX Share in 69.7% 30.3% Total Sec. 55.8% 58.8% Fixed 47.0% 39.1% 35.4% CPI 5.1% 5.8% 100.0% Other FRN 27.5% 25.5% Measured at Fair Value through Profit/Loss Measured at Fair Value through OCI Yi
Slide 12: Strong Fund Generation Capability
Strong Fund Generation Capability Main Balance Sheet Items Liabilities Composition (TL mn.) 2024 2025 H1 Change Deposits 2,127,117 2,631,296 23.7% 9.6% 9.1% 8.2% 8.0% Equity REPOs & Money Market 338,408 344,671 1.9% 1.7% 2.6% Funds Borrowed 211,093 218,521 3.5% 6.4% 5.5% Other* Securities Issued 55,
Slide 13: 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) %7.8 7.8% .0 % %9 9 .0 2,631,296 %6.9 6.9% 2,440,939 48.0% 45.8% 40.8% 40.5% 41.5% 1,373,575 1,468,066 1,067,364 1,163,231 TL FX (*) Total 2
Slide 14: Comfortable Capitalization
Comfortable Capitalization Capital Ratios (as of 2025 H1) Minimum Capital Requirements (2025,%) 17.4% 16.1% 15.1% 15.9% 14.5% 13.0% Bank-Only Consolidated 15.1%* 14.0%* 12.9%* 13.6%* 12.5%* 11.1%* CAR 10.58 12.09 Tier 1 Ratio 8.58 10.09 CET 1 Ratio 7.08 8.59 Bank-Only Consolidated (*) Without the im
Slide 15: Margin & Spreads
Margin & Spreads (1) NIM (Cumulative) (2) TL Spread (Quarterly) 48.09% 48.05% NIM NIM - Swap Adjusted Loan Yield 36.66% 37.90% Deposit Cost (3) 11.44% 10.15% TL Spread 1.4% 1.6% 2.3% -0.6% 2024 2025 H1 25 Q1 25 Q2 NIM (Quarterly) (2) FX Spread (Quarterly) 8.11% 8.18% NIM NIM - Swap Adjusted Loan Yie
Slide 16: Fee Income Performance
Fee Income Performance Fees & Commissions Income (Net) (TL thousand) 2025 Q1 2025 Q2 ∆ QoQ 2024 H1 2025 H1 ∆ YoY Ca s h Loa ns 3,003,624 3,340,703 11.2% 4,698,597 6,344,326 35.0% Non-Ca s h Loa ns 1,616,204 1,875,146 16.0% 2,537,705 3,491,349 37.6% • OPEX coverage of Net Fees & Pa yment Sys tems 17,
Slide 17: Effective Cost Management
Effective Cost Management Cost / Income Employees per Branch 56.2% 20.6 20.7 21.2 55.4% 19.5 20.3 18.4 19.1 17.9 19.9 19.8 19.5 19.7 19.1 17.1 17.3 17.6 2025 H1 2012 2013 2014 2021 2022 2023 2024 2025 H1 (1)(2) Cost / Income Cost / Income (Adjusted) (3) İşbank Peer Average Cost / Average Assets Cost
Slide 18: Profitability Ratios
Profitability Ratios Return on Assets Return on Equity (*) RoAA RoATA (*) RoAE RoATE 20.9% 18.8% 17.8% 1.6% 1.6% 1.6% 1.7% 15.8% 2024 2025 H1 2024 2025 H1 (*) Tangible Equity (TE) and Tangible Assets (TA) are calculated by the deduction of M-t-M valuation differences regarding Fin. Assets Measured a
Slide 19: Strong Focus on Digitalisation
Strong Focus on Digitalisation Digital Acceleration through Digital platforms that complements extensive use of AI, Data & Analytics our solutions ~80% 85% 97% 16.3 mn 16.2 mn 4.1 mn active digital active mobile nays customers share of retail share of commission share of total non- customers custome
Slide 20: Sustainability - 1
Sustainability - 1 Climate Transition Plan First NET-ZERO Green Bond NZBA BANKING (First 100% 2030 interim target setting ALLIANCE Green Eurobond First • Aluminum 7% commitment NZBA in Türkiye) Sustainability- • Real estate 36% 2030 interim target setting Linked •Oil and gas 15% • Power Generation 6
Slide 21: Sustainability - 2
Sustainability - 2 High Level Commitment in Sustainability Strong Support for the Transition in Economy Sustainable Funding Governance • Share of Sustainable Funding in FX Wholesale Funding 57.4% First bank in Türkiye to announce its Climate Transition • Sustainability Committee - Sustainability Lea
Slide 22: Sustainability - 3
Sustainability - 3 International Initiatives ESG Rating & Indices Low Risk 14/1138 - Global Banks Reporting & Awards Environment-friendly Operations • All locations covered by ISO 14001:2015 (As of 30.06.2025) • Head Office Building - the BREEAM In-use Excellent GLOBAL FINANCE certificate Sustainabl
Slide 23: Contents
Contents Section İşbank at a Glance Financial Highlights Appendix 22
Slide 24: Income Statement Highlights
Income Statement Highlights (TL mn.) 2025 Q1 2025 Q2 ∆ QoQ 2024 H1 2025 H1 ∆ YoY Net Interest Income 17,704 14,891 -15.9% 24,579 32,595 32.6% (1) Swap Cost 7,127 6,250 -12.3% 33,477 13,377 -60.0% Net Interest Income Incl. Swap Cost 10,577 8,641 -18.3% -8,898 19,218 316.0% Net Fees & Commissions 26,9
Slide 25: Payment Systems
Payment Systems • Broad Maximum Loyalty Programme with 402,224 Maximum Sales Points and 669,558 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 nu
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 12.9% Banks 20.8% Non-Financial Financial Glass 50.7% 49.3% 37.7% Insurance 11.4% Financial Ins 17.2% • As of June 2025, – 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) • Şişecam is a leading flat glass, glassware, glass packaging and USD (Million) 2025/03 2024/12 chromium chemicals producer in the domestic market. Total Assets 10,645 10,610 Shareholders’ Equity (includes 5,770 5,533 • Backed by its visio
Slide 29: Financial Participations
Financial Participations Bank’s Direct Assets Shareholders' Equity Company Name Field of Activity Share(%) Group Share (%) USD (000) USD (000) Anadolu Hayat Emeklilik A.Ş. Life Insurance & Private Pension 63.92 84.92 8,187,340 242,133 Türkiye Sınai Kalkınma Bankası A.Ş. Investment Bank 47.68 51.37 7
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