Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — H1 2025 Earnings Presentation
16 slides from Sekerbank T.a.s's earnings presentation, Jun 30, 2025
Slide 1: Financial Results as of June 30, 2025
FINANCIAL RESULTS as of June 30, 2025 0
Slide 2: 72 years of experience with niche positioning in ESG banking
72 years of experience with niche positioning in ESG banking Key Strengths Well established branch network Widespread long term DFI funding throughout Türkiye 239 branches & 7 regional offices 5x Higher number of branches Pioneering role in ESG banking than that of peers • 100% of the DFI funding •
Slide 3: Strong Financial Performance and Notable Achievements
Strong Financial Performance and Notable Achievements Key Financial Ratios Recent Developments (Consolidated) Capital Adequacy LCR ❑ AT-1 Bond Issuance CAR: 22.1% | 20.9%1 FX: 461.8% Tier-1: 17.9% | 16.9%1 Total: 142.4% On July 23, 2025, Şekerbank successfully completed its inaugural Additional Tier
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 sectorwise diversified loan portfolio also maintained with a high f
Slide 5: High Discipline in Maintaining Strong Asset Quality
High Discipline in Maintaining Strong Asset Quality Sound asset quality maintained thanks to the advanced SME & Agro underwriting and monitoring systems NPL Ratio Development Stage 2 Ratio Development Consolidated Consolidated Bank only Bank only Sector1 5.3% 2.1% 4.4% 2.0% 4.2% 1.8% 4.6% 1.6% 1.5%
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 9.1 TL Bn $282 Mn Comprehensive Income Profit and
Slide 7: Solid Liquidity and Wide-spread Deposit Structure
Solid Liquidity and Wide-spread Deposit Structure Broad-based and sticky deposit base for both TL and FX deposits, where 62% of customer deposits is composed of retail segment deposits thanks to the widespread branch network throughout the country. Total Deposits1 Currency Distribution of Deposit1 T
Slide 8: 100% ESG Related IFI Funding Structure
100% ESG Related IFI Funding Structure Development of IFI/DFI Borrowings1 +101% ▪ The Bank signed a loan agreement in 2023 with US. International Development Finance Corporation (DFC) amounting to USD 100 million. ▪ In June 2024, the Bank signed a loan agreement with TSKB under IBRD's "Access to Inc
Slide 9: Profitability and Capital Ratios
Profitability and Capital Ratios o The bank successfully completed its $200mn AT1 Bond issuance in July, which further enhances its robust capital levels to support sustainable growth. o The bank has supported its high NIM levels with almost tripled fees and commissions resulting in an increase of 6
Slide 10: Appendix
AP P E N D I X 9
Slide 11: Consolidated Balance Sheet
10 CONSOLIDATED BALANCE SHEET TL Mn 2022 2023 2024 Q1 2025 1H 2025 Cash and balances with Central Bank 10,632 12,021 13,637 20,535 31,373 Securities portfolio (net) 12,191 12,838 18,706 20,047 20,588 Deposits with banks 1,376 2,077 1,808 1,995 1,759 Money market placements 220 6,098 14,292 2,956 8,4
Slide 12: Consolidated Income Statement
1 1 CONSOLIDATED INCOME STATEMENT TL Mn 2022 2023 1H 2024 2024 1Q 2025 1H 2025 Interest Income 9,071 12,620 10,655 24,818 8,529 17,669 Interest Expense (-) 4,267 6,491 6,896 16,553 5,905 12,293 Net Interest Income 4,804 6,129 3,759 8,265 2,624 5,376 Net Fee And Commission Income 476 939 422 754 520
Slide 13: Indexes, Initiatives and Sustainability Rating Agencies Şekerbank Is Involved In
INDEXES, INITIATIVES AND SUSTAINABILITY RATING AGENCIES ŞEKERBANK IS INVOLVED IN SUSTAINABILITY RATING INDEXES INITIATIVES SUSTAINABILITY REPORTING ORGANIZATIONS United Nations Science Based Carbon Disclosure London Stock Integrated Borsa Istanbul Women’s Empowerment Value Reporting Global Targets P
Slide 14: 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 13
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: Sekerbank &S
Sekerbank &S