Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — Q3 2025 Earnings Presentation
15 slides from Sekerbank T.a.s's earnings presentation, Sep 30, 2025
Slide 1: Financial Results as of 30 September 2025
FINANCIAL RESULTS as of 30 September 2025 0
Slide 2: Turkiye's Social and Environmental Bank For 72 Years
Turkiye’s Social and Environmental Bank For 72 Years Key Strengths Well established branch network Widespread long term IFI funding throughout Türkiye A pioneering role in ESG banking 239 branches, 72% outside of three big cities 5x higher number of branches than that of peers First energy efficienc
Slide 3: Strong Financial Performance and Notable Achievements
Strong Financial Performance and Notable Achievements Key Financial Ratios Recent Developments (Consolidated as of Sep-2025) AT-1 Bond Issuance In July 2025, Şekerbank completed its inaugural Additional Tier-1 (AT-1) Capital Adequacy Liquidity Coverage bond issuance of USD 200 million in the interna
Slide 4: Above-Sector Loan Growth Achieved While Also Maintaining Sectoral Diversification
Above-Sector Loan Growth Achieved While Also Maintaining Sectoral Diversification o Loan growth above the sector average has been achieved thanks to the Bank’s SME and agriculture focus aligned with macro policies o TL dominated and sector-wise diversified loan portfolio also maintained with a high
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 5.3% 2.3% 2.1% 2.0% 4.4% 1.8% 4.2% 3.9%
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 Fair Value Through Fair Value Through 10.4 TL Bn $301 Mn 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 +60% +65% 120.6 22.7% 37.0% TL Bn 113.2 TL Bn TL FX 71.6 75.8 TL Bn Deposit Deposit TL Bn 46.0 TL Bn 77.3% 63.0% 75.5 Under Under 63% TL 2024 Jun-25 Sep-25 TL Bn TL 5
Slide 8: Diversified IFI Funding Doubled in One Year
Diversified IFI Funding Doubled in One Year o Şekerbank has doubled its foreign funding obtained from International Financial Institutions (IFIs) in one year due to the Bank’s longstanding relationship with IFIs thanks to its niche strategy and strong financial performance o The Bank’s foreign borro
Slide 9: Sustainable Profitability and Robust Capital Ratios
Sustainable Profitability and Robust Capital Ratios o High NIM levels were supported with more than tripled fees and commissions income resulting in an increase of 68% in core banking revenues. Net Profit Development1 (Mn TL) Capital Adequacy Ratios1 Minimum Legal 1 bn TL Requirements -6% free provi
Slide 10: Appendix
APPENDIX
Slide 11: Consolidated Balance Sheet
Consolidated Balance Sheet (TL Mn) 2023 2024 Q1 2025 Q2 2025 Q3 2025 Cash and balances with Central Bank 12,021 13,637 20,535 31,373 31,570 Securities portfolio (net) 12,838 18,706 20,047 20,588 23,279 Deposits with banks 2,077 1,808 1,995 1,759 1,828 Money market placements 6,098 14,292 2,956 8,419
Slide 12: Consolidated Income Statement
Consolidated Income Statement TL Mn 2023 9M 2024 2024 3M 2025 6M 2025 9M 2025 Interest Income 12,620 17,172 24,818 8,529 17,669 27,838 Interest Expense (-) 6,491 11,254 16,553 5,905 12,293 19,059 Net Interest Income 6,129 5,918 8,265 2,624 5,376 8,779 Net Fee And Commission Income 939 512 754 520 1,
Slide 13: Contact Details
CONTACT DETAILS Fatma Nur Çetinel Executive Vice President Treasury and Financial Institutions Ayben Akyürük Department Head Investor Relations and Structured Finance Tel: +90 212 319 71 57 ayben.akyuruk@sekerbank.com.tr 12
Slide 14: 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 15: Sekerbank S5
Sekerbank S5