Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — Q1 2025 Earnings Presentation
15 slides from Sekerbank T.a.s's earnings presentation, Mar 31, 2025
Slide 1: Financial Results as of March 31, 2025
FINANCIAL RESULTS as of March 31, 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: Diversified and TL Dominated Loan Portfolio
Diversified and TL Dominated Loan Portfolio Total Gross Loans1 Segment Distribution of Loans2 Stage Distribution of Loans1 +21% 77.6 TLbn +42% 4.4% Stage 2 1.5% 64.1 Stage 1 94.1% Stage 3 TLbn 47% SME 45.2 67% TLbn 66% Sectoral Breakdown of Loans2 14% Agriculture Other Financial Institutions TL 63%
Slide 4: High Discipline in Maintaining Strong Asset Quality
High Discipline in Maintaining Strong Asset Quality Sound asset quality maintained thanks to advanced SME & Agro underwriting and monitoring systems. NPL Ratio Development Stage 2 Ratio Development Consolidated Consolidated Bank only Bank only Sector1 2.2% 6.8% 2.0% 5.3% 1.8% 2.0% 4.4% 5.9% 1.6% 1.5
Slide 5: 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 9.7 TL Bn $283 Mn Fair Value Through 0.2% Comprehensive Income Profit
Slide 6: 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 64% 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 7: 100% ESG Related Foreign Borrowings Structure
100% ESG Related Foreign Borrowings Structure Wide-spread deposit portfolio has been further strengthened by obtaining long term ESG based IFI loans Development of Share of Foreign Borrowings Foreign Borrowings1 in FC Liabilities1 Sector 19% 21% 23% 22% ▪ The Bank signed a loan agreement in 2023 wit
Slide 8: Profitability and Capital Ratios
Profitability and Capital Ratios The Bank’s capital ratios remained at satisfactory levels, underpinned by robust credit risk management policies that foster a balanced and resilient financial structure. Net Profit Core Banking Revenue1 Capital Adequacy Ratios2 (Consolidated, Mn TL) (Consolidated) M
Slide 9: Appendix
AP P E N D I X 8
Slide 10: Consolidated Balance Sheet
9 CONSOLIDATED BALANCE SHEET TL Mn 2022 2023 2024 Q1 2025 Cash and balances with Central Bank 10,632 12,021 13,637 20,535 Securities portfolio (net) 12,191 12,838 18,706 20,047 Deposits with banks 1,376 2,077 1,808 1,995 Money market placements 220 6,098 14,292 2,956 Loans and receivables (including
Slide 11: Consolidated Income Statement
1 0 CONSOLIDATED INCOME STATEMENT TL Mn 2022 2023 Q1 2024 2024 Q1 2025 Interest Income 9,071 12,620 4,777 24,818 8,529 Interest Expense (-) 4,267 6,491 3,074 16,553 5,905 Net Interest Income 4,804 6,129 1,703 8,265 2,624 Net Fee And Commission Income 476 939 261 754 520 Dividend Income 27 10 3 4 - T
Slide 12: 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 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
Sekerbank &S