Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — Q1 2026 Earnings Presentation
16 slides from Sekerbank T.a.s's earnings presentation, Mar 31, 2026
Slide 1: Financial Results as of 31 March 2026
FINANCIAL RESULTS as of 31 March 2026 0
Slide 2: Turkiye's Social and Environmental Bank For 73 Years
Turkiye’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 • First energy efficiency loan
Slide 3: Strong Financial Performance and Notable Achievements
Strong Financial Performance and Notable Achievements Key Financial Ratios Recent Developments (Consolidated as of Mar-2026) ❑ AT1 Bond Issuance Capital Adequacy Liquidity Coverage Şekerbank successfully completed a USD 200 million Additional Tier-1 (AT1) bond issuance in CAR: 24.1% FX LCR: 461.8% J
Slide 4: Above-sector Loan Growth Achieved Thanks To The Bank's SME And Agriculture Focus
Above-sector Loan Growth Achieved Thanks To The Bank’s SME And Agriculture Focus Aligned With Macro Policies Total Gross Loans1 The Bank’s Segment Breakdown of Loans2 Stage Distribution of Loans1 3 Month Growth +19% Retail 1.4% 146.8 TL Bn 3.1% +92% 38.4% 18.9% 12.4% 28.6% 1.7% 123.3 TL Bn SME Agric
Slide 5: High Discipline in Maintaining Strong Asset Quality
High Discipline in Maintaining Strong Asset Quality Sound asset quality maintained with the support of advanced SME & Agro underwriting and monitoring systems NPL Ratio Development Stage-2 Ratio Development Consolidated Consolidated Bank only Bank only Sector1 2.5% 2.3% 2.3% 2.1% 2.0% 1.8% 5.3% 1.6%
Slide 6: Proactively Managed Securities Portfolio Against Volatility
Proactively Managed Securities Portfolio Against Volatility Composition by Classification1 Currency Distribution1 TL and FX Securities by Type1 TL Securities FX Securities Financial Assets at Financial Assets at 11.6 Bn TL $448 Mn Fair Value Through Fair Value Through Comprehensive Income Profit and
Slide 7: Solid Liquidity and Wide-spread Deposit Structure
Solid Liquidity and Wide-spread Deposit Structure Total Deposits1 TL Deposits1 The portion of broad-based savings in retail deposits2 +12% +17% +88% 160.1 25.7% 37.2% +89% TL Bn 143.1 TL 100.9 FX TL Bn 86.5 TL Bn Deposit Deposit TL Bn 46.0 TL Bn 74.3% 62.8% Dec-24 Dec-25 Mar-26 Under Under 63% TL TL
Slide 8: Diversified Funding Structure
Diversified Funding Structure o Şekerbank successfully completed a USD 150 million Additional Tier-1 (AT1) bond issuance in February 2026 in international capital markets. The transaction attracted strong and well-diversified investor demand of up to 5x the issue size from the investors. o In March
Slide 9: Sustainable Profitability and Robust Capital Ratios
Sustainable Profitability and Robust Capital Ratios Net Profit Development1 (Mn TL) Capital Adequacy Ratios1 Consolidated 1 bn TL Bank only Minimum free provisions Legal +4.5% +24.5% Requirements CAR: 12.0% 24.05% Tier-1: 8.5% 636 665 645 CET-1: 7.0% 21.23% 518 Mar-25 Mar-26 Mar-25 Mar-26 Net Fees a
Slide 10: Indexes, Initiatives and Sustainability Rating Agencies Şekerbank Is Involved In
INDEXES, INITIATIVES AND SUSTAINABILITY RATING AGENCIES ŞEKERBANK IS INVOLVED IN 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, an
Slide 11: Appendix
APPENDIX
Slide 12: Consolidated Balance Sheet
Consolidated Balance Sheet TL Mn YE-2024 Q1 2025 YE-2025 Q1 2026 Cash and balances with Central Bank 13,637 20,535 31,525 39,611 Securities portfolio (net) 18,706 20,047 26,348 32,138 Deposits with banks 1,808 1,995 2,354 3,127 Money market placements 14,292 2,956 17,144 9,155 Loans and receivables
Slide 13: Consolidated Income Statement
Consolidated Income Statement TL Mn YE-2024 Q1 2025 YE-2025 Q1 2026 Interest Income 24,818 8,530 39,701 12,736 Interest Expense (-) 16,553 5,905 26,386 8,308 Net Interest Income 8,265 2,624 13,315 4,428 Net Fee And Commission Income 754 520 3,124 1,209 Dividend Income 4 - 9 13 Trading Income (Net) (
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