Turkiye Sinai Kalkinma Bankasi A.s. · BIST:TSKB
Turkiye Sinai Kalkinma Bankasi A.s — Türkiye Sınai Kalkınma Bankası A.Ş. (TSKB) — Q2 2026 Earnings Presentation
21 slides from Turkiye Sinai Kalkinma Bankasi A.s's earnings presentation, 2026
Slide 1: The Industrial Development Bank of Türkiye Earnings Presentation 2Q-26
The Industrial Development Bank of Tiirkiye Earnings Presentation 2Q-26 Bank-only Results ® & > ‘caeer J! i FTSE4Good Cc “Please pte that dny Kind of récordirig including but not linited to screenshots, video recording, recofding via external devices ete: of this présentation jt is strictly forbidde
Slide 2: Financial Guidance (Bank Only)
Financial Guidance 1H-26 Figures YE26 Guidance Outlook (Bank Only) % % Growth FX Adjusted Loan Growth (ytd) 7.7 Low Teens On track Profitability Net Interest Margin 4.5 ~4.5 On track Fees & Commissions Growth1 104 > 50 On track Return On Equity2 24.0 ~ 25 On track Efficiency OPEX Growth1 46 > Averag
Slide 3: Recent developments are supportive of the Bank's future targets
Recent developments are supportive of the Bank's future targets Strong 1H26 loan growth 1H26 funding agreements amounted to Differentiating profitabilit reaching 7.7% gp y dri 9 b ° almost USD 900 mn ratios above industry average: riven by Signed with AFD, IBRD and JBIC in 4.5% NIM, and USD 1.3 bn o
Slide 4: Distinguished profitability metrics among the banking industry
Distinguished profitability metrics among the banking industry Net Profit-TL mn 2,860 2,952 | 300 | 2,098 I 4Q-25 10-26 20-26 = Free provisions released ™ Net Profit exc, released free provisions ROE YY) Gig 7° 25% ROE y when total net 29.3% Yes G6 24% \. annualized YE-25 10-26 20-26 *Non-recurring
Slide 5: Normalization in provisions was more than offset by doubling fee income
a Normalization in provisions was more than offset by doubling fee income, free provision reversals and strong subsidiary income TLmn 1425 1H26 [VEY = 1a26 ©=— 20.26 GBI Net Interest Income 6,988 7,136 2% 3,465 3,672 6% Trading Income/Loss 625 622 -0.4% 386 236 -39% Net Fees & Commissions 162 331 10
Slide 6: to 12 months 1 to 3 years 3 to 5 years
✓ ✓ ✓ ✓ ✓ ✓ to 12 months 1 to 3 years 3 to 5 years >5 years
Slide 7: Sustaining Growth Through a Healthy Asset Base
Sustaining Growth Through a Healthy Asset Base Asset Composition - TL bn AUG 270.1 20 256.1 235.9 Z 5.2$ 5.4$ 40-25 10-26 20-26 ie YZ 2) FX _Loans($) = TLLoans mLoans m Securities m= Cash &MM mNon IEAs & Other BO 26 loans by CUKCKGY Remaining Average Ve Years jeig) USD; TRY; 4 55% 42.4% Investment L
Slide 8: Loan sector breakdown
Electricity Generation 29.6% 3% Metal & Machinery 10.8% 10% 24% Chemistry & Plastics 5.9% 3% Textile 5.8% 4% Logistics 5.6% 4% Food & Beverage 4% 5.5% 6% • Construction Materials 5.1% 5% • • 8% Finance 5.0% Electricity/Gas Distr. 4.9% • 8% 21% Health 4.7% • Non-residential Real Estate 3.4% Tourism 3
Slide 9: Staging Breakdown
Staging Breakdown (mn TL Gross Loans) YE-25 1Q-26 2Q-26 Total Provision* (mn TL) 10,594 10,659 11,474 2.4% 2.2% 2.1% 1,008 1,123 1,087 Stage 1 Stage 2 5,353 5,320 6,176 Stage 3 4,233 4,216 4,211 6.4% Stage 3 7.2% 7.4% Stage 2 YE-25 1Q-26 2Q-26 Stage 1 Total Coverage 4.5% 4.2% 4.2% 91.3% Stage 1 0.5%
Slide 10: Strategic moves in the recent years started to pay off, contributing to the bank's NII
Strategic moves in the recent years started to pay off, contributing to the bank’s NII Total Securities Portfolio Breakdown TL Securities Portfolio Breakdown* TL 52.6 bn TL52.5bn TL54.9 bn ] Gay | 45% in FX yy 4.5 years A| 69% r 55% inTL Ai Floating 1.8 years 40-25 10-26 20-26 4Q-25 10-26 20-26 j mT
Slide 11: Evolution of NIM Components (TL mn)
Evolution of NIM Components (TL mn) ✓ ✓ ✓ ✓
Slide 12: Capital Ratios
Capital Ratios 25.0 CAR Evolution 20.0 - 0.10 - 0.87 1.18 0.27 - - - 0.27 - - 15.0 18.9 19.0 10.0 1Q-26 Δ Market Risk Δ Credit Risk Δ MtM Δ Operational Subordinated Dividend Net Profit 2Q-26 Risk Debt
Slide 13: 2Q26 Sustainable Banking Highlights
2Q26 Sustainable Banking Highlights Sustainable Finance Targets .---"~~~~., YY ee : Road to Antalya gel q . . $15 Ya TSKB has published its report titled 2 312 7h. "Towards COP31: Priority Agenda Topics 8 “eg and a Transformation Opportunity for s Turkiye." & $6 3 $3 & § $0 n 2021 2022 2023 2024 202
Slide 14: 2S BS Q gf x
2S BS Q gf x
Slide 15: Appendix: Balance Sheet
As Appendix: Balance Sheet Cash and Banks Securities Loans (Gross) Provisions Subsidiaries Other Total ST Funds LT Funds Securities Issued Repo & MM Other Subordinated Debt Shareholders’ Equity 9,818 28,567 15,258 - 4319 13,094 9,357 71,775 27,722 54,868 270,084 - 11,492 16,485 11,795 369,463 13,084
Slide 16: Appendix: Detailed Income Statement
Appendix: Detailed Income Statement TLmn 1H-25 1H-26 YoY 1Q-26 20-26 QoQ Net Interest Income inc. Swap Cost 6,988 7,136 2% 3,465 3,672 6% Nil exc. CPI & Swap cost 6,176 6,955 13% 3,474 3,481 0.2% CPI Linkers Income 1,548 1,445 7% 636 809 27% Swap Costs (-) 735 1,263 72% 645 618 4% Net Fees & Commiss
Slide 17: Appendix: Evolution of strategically managed Interest Earning Assets
7 Appendix: Evolution of strategically managed Interest Earning Assets Interest Earning Assets (bn TL) 296 317 337 v Interest Earning Assets were up by 6% QoQ and 14% YoY, which was driven by * High FX denomination * Growth strategy 27 4Q-25 10-26 20-26 mLiquid Assets mSecurities =Loans
Slide 18: Appendix: Stage Loans Breakdown
Appendix: Stage 2 Loans Breakdown Stage 2 Loans Sector % Coverage (%) Electricity Generation 36 37 67% of Electricity Non-residential Real Estate 29 22 Generation loans Electricity/Gas Distribution 13 52 are Renewable Electromechanics 10 25 Telecom/Logistics 3 9 Automotive Supply Industry 3 30 Metal
Slide 19: Provisions (TL mn) 2Q26
Provisions (TL mn) 2Q26 Stage 1* -3 Stage 2** 857 Stage 3 0 Reversals*** (TL mn) -44 Net CoR 70 bps Currency Impact 36 bps Net CoR excl. currency Impact 34 bps
Slide 20: Appendix: ESG Ratings
Appendix: ESG Ratings SUSTAINALYTICS S&P Global S&P Global CSA 52 FTSE4Good Newly joined Constituent company in M Ss C | . the FTSE4Good Index Series LYE MSCIESG Rating y lM | Sustainable Newly joined Fitch Pending Sustainable Fitch 2 (63/100) First place in Turkiye FitehRatin gs Above global averag
Slide 21: DISCLAIMER
DISCLAIMER This presentation document is prepared for informational purposes only and contains certain forward-looking comments, opinions, and forecasts. These reflect the views of Turkiye Sinai Kalkinma Bankasi A.S. ("TSKB") as of the date of this presentation and contain certain assumptions. Altho
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