Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — Q1 2023 Earnings Presentation
16 slides from Sekerbank T.a.s's earnings presentation, Mar 31, 2023
Slide 1: Şekerbank T.A.Ş. Consolidated Financial Results as of March 31, 2023
Şekerbank T.A.Ş. Consolidated Financial Results as of March 31, 2023
Slide 2: Overview
Overview Shareholder Structure as of March 31, 2023 Subsidiaries Structure as of March 31, 2023 34.31% 47.04% Şeker Leasing Şeker GYO (REIT) Şekerbank T.A.Ş. Voluntary Other Pension Fund (The Pension Fund) and its subsidiaries Şeker Factoring Şekerbank Cyprus 12.06% Samruk-Kazyna 6.59% Invest LLP Şe
Slide 3: Şekerbank's financial performance has outperformed over the past 3 years
✓ Prudent growth and TL dominated, short term loan portfolio ✓ Significant recovery in asset quality Şekerbank’s ➢ High performance in collections financial ➢ Healthy inflow in loans through renewed risk infrastructure performance ➢ Prudent Provisioning Policy has ✓ Solid, broad-based and liquid fun
Slide 4: Prudent and TL dominated loan growth
Prudent and TL dominated loan growth ➢ Şekerbank adopted a diversified, widespread and TL dominated growth strategy in the first quarter of 2023 as was the case in 2022, while continuing to decrease its FX loans. TL and FX Loan Growth1 Segment Breakdown of Performing Loans1 Share of SME Loans 3-Mont
Slide 5: Considerable recovery in asset quality and prudent provisioning policy
Considerable recovery in asset quality and Prudent provisioning policy ➢ With high concentration placed on increasing asset quality, the NPL has been improving over the past 3 years. ➢ Şekerbank, which has always adopted a prudent provisioning policy for its loan portfolio, also increased its free p
Slide 6: Significant healthy inflow in loans through renewed underwriting infrastructure
Significant healthy inflow in loans through renewed underwriting infrastructure within the Transformation Program %88 of the total loan amount that was A Decision Support System «DSS» based on statistical analytical models for disbursed since Jun.19 was in the medium, low and very low risk profile c
Slide 7: Protected securities portfolio against interest rate and FX fluctuations
Protected securities portfolio against interest rate and FX fluctuations Composition by Classification1 TL Securities by Type1 FX Securities by Type1 9.0 Bn TL 3.2 Bn TL Financial Assets at Financial Assets at Fair Value Through Fair Value Through Comprehensive Income CPI Profit and Loss 52.7% (Avai
Slide 8: Solid, broad-based and liquid funding structure
Solid, broad-based and liquid funding structure ➢ The liquidity coverage ratios have always been well above the required levels as a result of prudent balance sheet management. ➢ 76% of the total TL retail deposits are under 2 million TL while FX deposits are also quite wide-spread and sticky. The p
Slide 9: 100% ESG related foreign borrowings structure
100% ESG related foreign borrowings structure The first SME backed covered bond in the world ▪ DFC, EBRD, FMO, TSKB & IBRD and MEF & Incofin ▪ The Bank has longstanding relationships with DFIs thanks The The The to its sustainable banking know-how, which also first ever first SME highest rating refl
Slide 10: Continuous improvement in sustainable profitability
Continuous improvement in sustainable profitability ➢ The Bank’s profitability figures have been improving steadily in line with the considerable improvement in cost of credit risk and satisfactory NIM levels based on surpassing funding costs and effective OPEX management. Net Profit Net Interest In
Slide 11: Capital adequacy ratios
Capital adequacy ratios ➢ The Bank’s capital ratios have been at the satisfactory levels by generating diversified and TL dominated loan growth; additionally enhancing its internal capital generation capacity via improving profitability performance. Capital Adequacy Ratios1 Capital Adequacy Ratios w
Slide 12: A digital banking infrastructure focused on SME & Agricultural banking
A digital banking infrastructure focused on SME & Agricultural banking Instant credit allocation to small businesses and The 1st Bank The 1st Bank farmers in the field through the tablet channel that offers to small that developed businesses more mobile banking ~700 customer representatives in the f
Slide 13: Enhancing sustainable development banking competencies
Enhancing sustainable development banking competencies Bank only, as of March 2023 Sustainable 8.0% 99% Agriculture Share of agricultural of the farmers that we provide loans in total cash loans services are small farming families 72% TL 17.5 Small Enterprises billion Banking Share of the MSME loans
Slide 14: Contact Details
Contact Details Sekerbank T.A.Ş. Aybala Şimşek Executive Vice President Strategy, Transformation and Financial Institutions Financial Institutions & Investor Relations Oya Sarı Head of Financial Institutions and Investor Relations Tel: +90 212 319 71 58 oya.sari@sekerbank.com.tr Ayben Akyürük Invest
Slide 15: Legal Notice For Investors
Legal Notice For Investors Legal Notice The information in this document has been obtained by Sekerbank T.A.Ş. (“Sekerbank”) from sources believed to be reliable. However, Sekerbank cannot guarantee the accuracy, completeness or correctness of such information. This document has been issued for info
Slide 16: Thank you...
J a Thank you... kg