Sekerbank T.a.s. · BIST:SKBNK
Sekerbank T.a.s — FY2025 Earnings Presentation
16 slides from Sekerbank T.a.s's earnings presentation, Dec 31, 2025
Slide 1: Financial Results as of 31 December 2025
FINANCIAL RESULTS as of 31 December 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 Dec-2025) ❑ AT1 Bond Issuance Capital Adequacy Şekerbank successfully completed a USD 200 million Additional Tier-1 (AT1) bond Liquidity Coverage issuance in July 2025 in international
Slide 4: Above-sector Loan Growth Achieved Thanks To The Bank's SME And Agriculture Focus
Above-sector Loan Growth Achieved Thanks To The Bank’s SME And Agriculture Focus Aligned With Macro Policies Total Gross Loans1 The Bank’s Segment Breakdown of Loans2 Stage Distribution of Loans1 Y-o-Y Growth +92% Retail 3.5% 1.4% 123.3 TL Bn 1.8% 37.2% 17.3% 31.3% 12.4% 104.7 TL Bn SME Agriculture
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 2.5% 2.3% 2.1% 2.0% 1.8% 5.3% 4.4% 4.2%
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 11.6 TL Bn $333 Mn Fair Value Through Fair Value Through 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 +89% +88% 143.1 21.5% 24.9% TL Bn TL FX 120.6 TL86.5 TL75.8 Deposit Deposit TL Bn Bn Bn TL46.0 Bn 78.5% 75.1% 60% TL Under Under Dec-24 Sep-25 Dec-25 TL 5 million USD
Slide 8: Diversified IFI/DFI Funding Approximately Doubled
Diversified IFI/DFI Funding Approximately Doubled o Şekerbank has approximately doubled its foreign funding obtained from International Financial Institutions (IFI/DFIs) due to the Bank’s longstanding relationship with IFI/DFIs thanks to its niche strategy and strong financial performance o The Bank
Slide 9: Sustainable Profitability and Robust Capital Ratios
Sustainable Profitability and Robust Capital Ratios Net Profit Development1 (Mn TL) Capital Adequacy Ratios1 Consolidated 1 bn TL Bank only Minimum free provisions Legal +120% -10% Requirements +3% CAR: 12.0% +43% 868 25.25% Tier-1: 8.5% 3,178 473 CET-1: 7.0% 2,858 395 23.50% 2,025 2,078 332 Q4 Q4 Q
Slide 10: 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 11: Appendix
APPENDIX
Slide 12: Consolidated Balance Sheet
Consolidated Balance Sheet (TL Mn) 2024 Q1 2025 Q2 2025 Q3 2025 2025 Cash and balances with Central Bank 13,637 20,535 31,373 31,570 31,525 Securities portfolio (net) 18,706 20,047 20,588 23,279 26,348 Deposits with banks 1,808 1,995 1,759 1,828 2,354 Money market placements 14,292 2,956 8,419 15,84
Slide 13: Consolidated Income Statement
Consolidated Income Statement TL Mn 2024 Q1 2025 Q2 2025 Q3 2025 2025 Interest Income 24,818 8,529 17,669 27,838 39,701 Interest Expense (-) 16,553 5,905 12,293 19,059 26,386 Net Interest Income 8,265 2,624 5,376 8,779 13,315 Net Fee And Commission Income 754 520 1,152 1,998 3,124 Dividend Income 4
Slide 14: Contact Details
Contact Details Fatma Nur Çetinel Executive Vice President Treasury and Financial Institutions Ayben Akyürük Büşra Uğuz Head of Investor Relations and Structured Finance Head of Strategy and Sustainable Banking Tel: +90 212 319 71 57 Tel: +90 212 319 78 95 ayben.akyuruk@sekerbank.com.tr busra.uguz@s
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
Sekerbank S5