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
34 slides from Turkiye Sinai Kalkinma Bankasi A.s's earnings presentation, August 2026
Slide 1: Corporate Banking Investment Banking Advisory Services
Corporate Banking Investment Banking Advisory Services
Slide 2: TSKB at a Glance
TSKB at a Glance 4 Turkey wis Bank Group Ratings TSKB UA Lyle oe Shareholding Z fakifban! Structure Fitch LTFC BB- BB- Free Float* & Other Moody’sLTIR Ba3 Ba3 SAHA Corporate Governance Rating yy *TRY 32bn MCAP. . 5 Sustainalytics ESG te / As of Aug 5% 2026 Risk Rating Ys CORPORATE BANKING INVESTMENT
Slide 3: A Unique Business Model
A Unique Business Model = Long term tenor in liabilities: 10.7 years * Medium term in assets: S years = Diversified funding tools = Amortized loan book = Multi-disciplinary assessment during allocation . = Sector specific research Prudent Credit analysts during Risk Assessment allocation and monitor
Slide 4: Main Stakeholders of the Bank
Main Stakeholders of the Bank A trustworthy partner in; Large Corporates, MidCap Companies sectoral expertise in real economy Corporate loans, investment banking activities and advisory services Its capacity to introduce innovative development finance areas Ministry of Good implementation of project
Slide 5: Sustainability is Well Integrated into Our Business Model
Sustainability is Well Integrated into Our Business Model © Carbon Disclosure Project © Communication on Progress © Supporting 13 of UN SDGs Financing to reduce energy dependency in Turkey @ Financing renewable energy projects; ) Accountal 'y & Sustainability Reporting © Energy and resource efficien
Slide 6: TSKB Sustainability Journey - I
TSKB Sustainability Journey - | 2010 First Turkish bank to become.a member of ‘the UN Global Compact YY subsidiary operating in the fiekd of sustainability consultancy 2016 First green/sustainable bond in Turkiyeand CEENEA eg sued 2020 = The works frst sustainable ficbain paar lease certificate issu
Slide 7: TSKB Sustainability Journey - II
TSKB Sustainability Journey - Il TSKB's 3rd Sustainable Bond Issuance Publication of the Climate Change Combat and ‘Adaptation Policy Publication of the frst TOFD Recommendations compliant Climate Rsk Report in the Turkish financial sector Expansion of the ERET Model to include Business Loans 2022 L
Slide 8: 2Q26 Sustainable Banking Highlights
2Q26 Sustainable Banking Highlights Road to Antalya TSKB has published its report titled "Towards COP31: Priority Agenda Topics and a Transformation Opportunity for Turkiye." TSKB Development Day TSKB, held its third annual TSKB Development Day conference. The conference was held on June 3 under the
Slide 9: 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 10: 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 11: Distinguished profitability metrics among the banking industry
11 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-recurri
Slide 12: Banking Sector vs TSKB
AP Banking Sector vs TSKB CAR Loans/Assets Total Coverage Ratio 73.1% 19.0% 16.6% 53.7% Le 42% Banking Sector TSKB Banking Sector TSKB Banking Sector TSKB Cost to Income ROE NPL** 443% 25.0% 2.8% 25.1% LI 2.1% Banking Sector TSKB Banking Sector TSKB ey pss **TSKB has no NPL sales/write down Repo| Sy
Slide 13: Funding maturity profile
to 12 months 1 to 3 years 3 to 5 years >5 years
Slide 14: Development finance institution funding breakdown
IBRD 46.6% AIIB 12.4% ✓ ✓ JBIC 10.2% ✓ KfW 8.2% ✓ AFD* 5.7% EBRD* 4.9% ✓ ✓ IsDB 3.4% IFC* 2.8% EIB 2.6% CDB 1.7% OeEB* 1.5%
Slide 15: Outstanding Project Themes Shaping Future Loan Book
VS Outstanding Project Themes Shaping Future Loan Book Energy and Resource Efficiency Women’s Employment and Equal Opportunity Renewable Energy Midcap Financing Supporting Exporters Regional Development Supporting Employment Sustainable Agriculture Industrial Development Sustainable Tourism Occupati
Slide 16: Sustaining Growth Through a Healthy Asset Base
16 Sustaining Growth Through a Healthy Asset Base Asset Composition - TL bn AUG 270.1 20 256.1 235.9 Z - 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 17: Risk Management Pillars
Risk Management Pillars Credit Risk * Monitoring the clients individually with analysing the financials * Preparing monitoring reports for the clients at least once a year * Keeping track of internal and external (if it is done) ratings of the customers, reviewing the internal ratings annually * Act
Slide 18: ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪
▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪
Slide 19: Loan book 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 20: Renewable energy portfolio breakdown
1.9 bn 1.9 bn 1.9 bn 1.9 bn 1.7 bn 1.6 bn 1.9 bn 7% 8% 11% 6% 15% 21% 21% 9% 23% 11% 12% 6% 9% 5% 37% 39% 36% 37% 40% 47% 51% 20% 19% 19% 19% 17% 13% 31% 9% 24% 23% 17% 13% 14% 12% 2020 2021 2022 2023 2024 2025 2026 Hydro Geothermal Wind Biomass Solar • •
Slide 21: 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 22: 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 23: Normalization in provisions was more than offset by doubling fee income
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 162 331 104%
Slide 24: Evolution of NIM Components (TL mn)
Evolution of NIM Components (TL mn) ✓ ✓ ✓ ✓
Slide 25: Capital Ratios: CAR Evolution
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 26: 2S BS Q gf x
2S BS Q gf x
Slide 27: Appendix: Balance Sheet
27 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 28: 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 29: Appendix: Evolution of strategically managed Interest Earning Assets
29 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 30: 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 31: 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 32: Social Financing Disbursements vs Targets; SBTi Portfolio Temperature Rating
$1 Social Financing 3 3500 3000 $1 2500 $1 2000 37% 40% $0 30% 1500 17% 1000 $0 500 $0 0 2024 2025 1Q/2026 2Q/2026 2030 Goal* Financing ( USD mn ) 3 USD bn Social Financing Goal - Realization (%) Disbursements vs Targets Chart SBTi Portfolio Temperature Rating Target 3.20 3.09 3.07 3.10 3.02 3 3 3.0
Slide 33: Appendix: ESG Ratings
Appendix: ESG Ratings L SUSTAINALY TICS FTSE4Good Constituent company in the FTSE4Good Index Series (YX | Sustainable / Fitch Sustainable Fitch 2 (63/100) First place in Turkiye Above global average ROY LSEG Rikivics Listed in Global 100 Most LSEG ESG Score Sustainable Corporations in the 84 PIII II
Slide 34: Disclaimer
This presentation document is prepared for informational purposes only and contains certain forward-looking comments, opinions, and forecasts. These reflect the views of Türkiye Sınai Kalkınma Bankası A.Ş. ("TSKB") as of the date of this presentation and contain certain assumptions. Although the inf
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