Turkiye Halk Bankasi Anonim Sirketi · BIST:HALKB

Turkiye Halk Bankasi Anonim Sirketi — Türkiye Halk Bankası A.Ş. — Q3 2025 Earnings Presentation

24 slides from Turkiye Halk Bankasi Anonim Sirketi's earnings presentation, 2025

  1. Slide 1: 3Q25 Earnings Presentation

    3Q25 EARNINGS PRESENTATION BRSA Bank Only

  2. Slide 2: Asset Growth

    3Q25 Earnings Presentation Total assets grew by 10.4% QoQ, primarily driven > FX LCR is at 209%, well above by securities the regulatory limit of 80%. Asset Mix (%) Asset Growth Loans Securities Bank Placements CBRT Receivables Cash YoY 40.1% QoQ 10.4% Liq. Assets Other Assets Total Asset Growth (TR

  3. Slide 3: Our securities portfolio surpassed the 1 Trillion TL threshold

    3Q25 Earnings Presentation Our securities portfolio surpassed the 1 Trillion TL threshold Total Securities Portfolio (TRY billion) Securities Classification (TRY billion) Total Securities / Total Assets (%) Fixed Rate (FX) Other Floating Rate CPI Linkers Fixed Rate (TRY) 25.6 26.0 27.5 27.3 27.9 700.

  4. Slide 4: FX loan growth continued to support total loan expansion

    3Q25 Earnings Presentation FX loan growth continued to support total loan expansion (TRY billion)(a) 23.0% Total Loans 7.3% HALKBANK B. Sector(b) YoY YoY 23.0% 41.5% 1,667.7 QoQ QoQ 1,563.9 7.3% 8.6% Business Loans 1,448.7 YoY 24.2% 1,373.4 668.9 TRY Loans 1,363.5 639.3 QoQ 4.6% HALKBANK B. Sector (

  5. Slide 5: FX loan share remained above 30% amid sustained demand

    3Q25 Earnings Presentation FX loan share remained above 30% amid sustained demand Loans by Currency (%)(a) Loans by Customer Segmentation (%)(a) Commercial 5% SME 10.7% Commercial 7.1% FX SME 48% 31.3% Corporate 35% Corporate 82.2% TRY 68.7% CGF 4% Retail 12% Cooperative 35%(b) Sectoral Breakdown of

  6. Slide 6: NPL coverage ratio improved, reflecting our prudent approach

    3Q25 Earnings Presentation NPL coverage ratio improved, reflecting our prudent approach NPL Portfolio (TRY million)(a) NPL Coverage (%)(a) 55,967 45,298 66.1 63.8 62.0 57.3 54.4 35,786 26,950 28,862 Sep-24 2024 Mar-25 Jun-25 Sep-25 Sep-24 2024 Mar-25 Jun-25 Sep-25 Loans under Close Watch (TRY million

  7. Slide 7: NPL ratio by segments

    3Q25 Earnings Presentation NPL ratio by segments Halkbank NPL Sector NPL (*) Corporate - Commercial (%) Consumer Loans (%) 5.2 5.6 4.4 4.9 3.9 4.8 4.4 3.4 1.9 3.6 3.1 1.6 1.6 1.6 1.6 1.3 1.2 1.1 1.2 1.2 Sep-24 2024 Mar-25 Jun-25 Sep-25 Sep-24 2024 Mar-25 Jun-25 Sep-25 SME Loans (%) Credit Cards (%)

  8. Slide 8: Prudent approach remains a standout theme

    3Q25 Earnings Presentation Prudent approach remains a standout theme Provisions and Reversals (TRY million) Net Cost of Risk (bps) (Cumulative) Total Specific 141 Quarterly (TRY million) Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 92 80 116 S1 Provisions 134 -52 1,081 1,188 1,489 74 25 23 S2 Provisions -152 499 19

  9. Slide 9: Growing wholesale funding appetite balanced deposit reliance

    3Q25 Earnings Presentation Growing wholesale funding appetite balanced deposit reliance Loan to Deposit (%) Composition of IBLs(a) Liabilities Mix (%) (b) Halkbank L/D Sector L/D 90.0% 91.1% 92.1% 91.4% 90.9% Deposits Marketable Funds Borrowed Securities Issued Interbank Money Market Shareholders’ E

  10. Slide 10: Strong deposit franchise

    3Q25 Earnings Presentation Strong deposit franchaise HALKBANK B. Sector(b) YoY 49.2% 43.3% HALKBANK B. Sector(b) HALKBANK B. Sector(b) QoQ 9.1% 10.2% YoY 37.6% 38.8% YoY 31.2% 36.1% in USD YoY 22.6% 17.7% QoQ 6.9% 8.1% QoQ 5.6% 6.7% terms QoQ 4.4% 5.5% Total Deposits TRY Deposits FX Deposits (TRY bi

  11. Slide 11: Rising demand deposits eased funding cost pressures

    3Q25 Earnings Presentation Rising demand deposits eased funding cost pressures Demand Deposits (TRY billion)(a) Time Deposits (TRY billion)(a) Deposits by Currency (%)(b) Demand Deposits/Total Deposits (%) Time Deposits/Total Deposits (%) 22.6% 22.7% 23.0% 24.1% 78.5% 21.5% 77.4% 77.3% 77.0% 75.9% F

  12. Slide 12: Robust recovery in TRY core-spreads

    3Q25 Earnings Presentation Robust recovery in TRY core-spreads Blended Cost - Yield - Spread (%) Spreads (%) Yield on Loans Cost of Deposits(*) Spread TRY Core FX Core Blended Core 12.1 34.0 35.0 33.7 33.0 35.5 8.3 10.4 7.0 7.2 7.0 7.0 6.9 7.2 8.3 12.1 6.9 7.1 6.9 6.6 6.5 (23.4) 4.4 (27.1) (27.8) (2

  13. Slide 13: NII more than doubled in the YoY terms

    3Q25 Earnings Presentation NII more than doubled in the YoY terms Net Interest Income (TRY million) NIM (%) Interest Income Interest Expenses YtD Quarterly Swap adj. (QoQ) Swap adj. (YtD) 234% -3.5% 3.6 22,916 22,104 2.9 3.2 16,331 3.3 2.0 1.9 3.1 6,630 8,772 2.9 178,627 189,072 195,901 233,756 232,

  14. Slide 14: ROE remained near mid-teen levels

    3Q25 Earnings Presentation ROE remained near mid-teen levels Total Operating Revenues (TRY million)(a) Q3-25 Revenue Walk (TRY million) 93.5% 13.0% 10,082 15,722 42,260 (2,902) 30,896 37,385 22,104 23,458 21,843 (25,645) 8,171 (11,189) NII Net F&C Income Net Trading Income Total Provisions Net Incom

  15. Slide 15: Slight OPEX contraction lowered cost-to-income ratio

    3Q25 Earnings Presentation Slight OPEX contraction lowered cost-to-income ratio Operating Expenses (TRY million) Operating Expenses / Average Assets (%) 87.3% -2.6% 2.80 2.81 2.71 26,339 25,645 2.28 2.29 21,450 16,208 13,688 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Cost/Income (%)

  16. Slide 16: Solvency Ratios

    3Q25 Earnings Presentation Solvency Ratios CAR (%) Details on Capital Ratio Tier-I CAR Details on Capital Ratio Cons. Basel III Uncons. Basel III 15.5 (TRY mn) Sep-25 Sep-25 14.8 13.4 14.8 13.5 Credit Risk Base Amount (CRBA) 1,803,419 1,723,167 Market Risk Base Amount (MRBA) 44,530 46,082 11.5 11.9

  17. Slide 17: Details of digital customer base

    3Q25 Earnings Presentation Details of digital customer base Active Digital Customers by Types (Million) # of Total Active Digital Customers(a) 7% 6.4 6.5 6.5 6.6 6.8 # of active digital banking customers increased 7% YoY and reached 6.8 million Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Digital Transactions

  18. Slide 18: Branch Network – Human Resources

    3Q25 Earnings Presentation Branch Network – Human Resources Loans and Deposits per Branch (TRY million) Breakdown of Banking Transactions (%) Loans/Branches Deposits/Branches ATM 15% Call Center 7% 2,721.9 2,887.8 Automatic Payment 4% Internet Banking 5% Branch 2% 2,413.1 2,147.4 2,197.2 Mobile 1,60

  19. Slide 19: Sustainable banking approach

    3Q25 Earnings Presentation Sustainable banking approach Rating Scores Contributed SDGs Paraf Doğal Indexes Halkbank has developed Paraf Doğal, Turkey’s first carbon-neutral credit card. 2024 ESG Score 83 “A” Water Security Score 15 tons of emissions generated throughout the “A-” Detailed information

  20. Slide 20: Sustainability journey

    3Q25 Earnings Presentation Sustainability journey Near-term targets reported to SBTi were approved. Halkbank became the first Halkbank was financial institution to included in the BIST take part Sustainability Index. in Zero Waste Good Practices. Environment and Halkbank published Energy Policies we

  21. Slide 21: Annex

    3Q25 Earnings Presentation Annex TRY Market Banking Halkbank Million Share (%) Sector Metrics(b) 9M-24 9M-25 Total Assets 4,028,955 9.2 Loan Growth (YtD, %) 28.6 9.9 Loans (a) 1,677,697 7.9 Deposit Growth (YtD, %)(c) 20.3 11.1 TRY Loans 1,152,868 8.8 LDR (%) 82.2 82.1 FC Loans 524,829 6.5 NPL (%) 1.

  22. Slide 22: Balance Sheet

    3Q25 Earnings Presentation Balance Sheet QoQ YtD YoY In TRY million Sep-24 2024 H1-25 Sep-25 Change % Change % Change % Cash and Balances Held with the Central Bank(a) 579,183 623,117 781,970 838,744 7.3 34.6 44.8 Banks & Money Market(b) 20,144 26,984 28,044 34,188 21.9 26.7 69.7 Securities(b) 735,8

  23. Slide 23: Income Statement

    3Q25 Earnings Presentation Income Statement YoY QoQ YoY Change Change Change In TRY million Sep-24 Sep-25 % Q3-24 Q2-25 Q3-25 % % Interest Income 475,933 662,093 39.1 178,627 233,756 232,437 (0.6) 30.1 On Loans 312,069 395,972 26.9 115,382 127,231 149,133 17.2 29.3 On Securities 133,270 198,391 48.9

  24. Slide 24: For further information please contact halkbank.IR@halkbank.com.tr

    For further information please contact halkbank.IR@halkbank.com.tr DISCLAIMER The information contained in this presentation has been prepared by Türkiye Halk Bankası A.S. (the Bank) for informational purposes only. Although the information in this presentation has been obtained from sources which t

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