Turkiye Sinai Kalkinma Bankasi A.s. · BIST:TSKB

Turkiye Sinai Kalkinma Bankasi A.s — Türkiye Sınai Kalkınma Bankası A.Ş. (TSKB) — FY2021 Earnings Presentation

17 slides from Turkiye Sinai Kalkinma Bankasi A.s's earnings presentation, 2022

  1. Slide 1: Created with a trial version of Syncfusion Essential PDF

    Created with a trial version of Syncfusion Essential PDF

  2. Slide 2: 4Q-21 At a Glance

    4Q-21 At aGlance Contribution to + Annual long term disbursements amounted to economy totalling Bat erie bs USD 1 billion * ROE increases to16.7% * Stable NIM at 4.7% * Solvency ratios abovelegal limits Solid profitability supporting solvency + NPL; 3.2% Stage 2; 12.1% Net CoR; 218 bps + Net CoR (ex

  3. Slide 3: 2021YE Guidances

    2021YE Guidances Financial Guidance 2021YE (%) m 2022YE (%) . . (Bank Only) Guidance YE-21 Results (%) Guidance 2022YE Guidance Drivers Growth FX Adjusted Loan Growth <2 -0.8 Contraction Subdued investmentappetite Profitability Net Interest Margin (*) ~45 47 ~4.0 Consistentloan and security spreads

  4. Slide 4: Robust core banking income generation capability ensures sustainable earnings growth

    Robust core banking income generation capability ensures sustainable earnings growth Net Banking Income-TRY mn Annual Evolution of Net Banking Income vs Provisions - 2,889 0) 1,207 yD Strong core bankingincome 1,755 1,810 90% 681 expansion 636 supports 1,271 provisioning 343 = base 116 183 308 co) 3

  5. Slide 5: Income Statement Highlights

    a Income Statement Highlights TRY mn Net Interest Income Trading Income Net Fees & Commissions Other Income (Inc. Dividend) Banking Income OPEX (-) Net Banking Income Provisions (-) Income From Participations Tax Provisions (-) Net Profit Based on MIS data YE-20 1,801 116 50 10 1,978 223 1,755 885 7

  6. Slide 6: Healthy and Consistent NIM Performance

    432% 40-20 Annualized, Healthy and Consistent NIM Performance / Annualized NIM Annualized NIM* (excluding FX Gains/Losses) 439% BE 4.06% 4.11% 3.94% 30-21 40-21 4Q-20 3Q-21 4Q-21 NIM computation: (NI-swapcosts+ fx gains&losses/(IEA-accruals) = Robust margin performance continues = 220 mioTL extra re

  7. Slide 7: Funding: Syndication & Other DFI Funding, Eurobond, Tier 2, Money Market

    -236 -458 -590 -330 -511 -350 -56 -100 -2,192 -750 -300 Syndication & Other DFI Funding Eurobond Tier 2 Money Market Funding

  8. Slide 8: Resilient asset composition

    Resilient asset composition Asset Composition - TRY bn 4Q-20 30-21 40-21 mLoans mSecurities sCash&MM_ mNonlEAs & Other Average Maturity - Years Working Capital Loans) 2.6 APEX Loans (NNN 3.5 ) Investment Loans [NNN 6.6 Total Loans-TRY bn Currency Breakdown 63.9 Ea) x 45.5 39.1 41 Eg a yp 4.75 4.85 4

  9. Slide 9: Loan sector breakdown

    Electricity Generation 39.7% Finance 12.6% Other** 8.6% Electricity/Gas Distr. 6.8% Tourism 6.6% Metal & Machinery 5.3% Health & Education 4.9% • Construction & Construction Materials 3.7% • • Telecom & Logistics 3.6% Non-Residential Real Estate 2.8% Food & Beverage 2.3% Chemistry & Plastics 2.1% Au

  10. Slide 10: Asset quality remains intact

    @—* Coverage Ratio 10 Asset quality remains intact Stage | Loans (mio TL) Stage Il Loans 4Q-20 3Q-21 40-21 4Q-20 30-21 4Q-21 Gross Amount Provisions Gross Amount Provisions 54,124 551 7,704 1,437 Stage 2 Loans Sector Percentage Coverage Tourism 26% 16.1% Nonew Electricity/Gas Distribution 17% 32.1%

  11. Slide 11: Security book supporting Bank's profitability

    11 Security book supporting Bank’s profitability Total Securities Portfolio Breakdown TRY Securities Portfolio Breakdown* TRY 13.0bn TRY 9.1 bn TRY73bn 5329 4545 71% se Floating - 7 4Q-20 30-21 4Q-21 yy TRY ( Dae ) iy * Auditreport values are taken into account mTRY (mn mn) SECURITIES / ASSETS: 15.0

  12. Slide 12: Strong internal capital generation supports our solvency metrics

    12 Strong internal capital generation supports our solvency metrics Capital Ratios Without BRSA Temporary Measures Evolution of RWA and Equity - TRY bn 76.9 12.0% 56.8 Wa 479 8.5% 60 89 5/3 Se = = = YE 2020 30-21 YE 2021 YE 2020 30-21 YE 2021 mTier|(CET1) m=CAR i ‘4 With BRSA Temporary Measures ~CAR

  13. Slide 13: Sustainability Developments in 2021 and Long-Term Targets

    w San) Sustainability Developments in 2021 and Long-Term Targets Funding 3'4 Sustainable Eurobond Issuance Sustainability-linked Syndication Loan Sustainable bilateral agreement with Citi Geothermal Development Project Loan Agreement with IBRD a Reporting First Climate Risks Report 5th Integrated Re

  14. Slide 14: Appendix

    2S BS Q gf x

  15. Slide 15: Balance Sheet

    Balance Sheet 31/12/2020 30/09/2021 31/12/2021 LS Cash and Banks 1,481 1,191 2,672 3,431 4,003 1,526 3,715 5,241 Securities 4,564 2,983 7,547 5,116 4,031 9,147 5,896 6,730 12,626 Loans (Gross) 4,136 34,984 39,120 4,134 41,417 45,551 4,072 59,830 63,902 Provisions -529 “1,223 “1,752 -583 “1,731 -2,31

  16. Slide 16: Detailed Income Statement

    16 Detailed Income Statement TRY mn Net Interest Income inc. Swap Cost Net Interest Income CPI Linkers Swap Costs (-) Net Commissions Other Income Dividends Other Trading & FX gains/losses FX gains/losses MtM gains/losses Trading gains/losses Banking Income OPEX (-) Net Banking Income ECL (-) Stage

  17. Slide 17: TSKB Financial Institutions & Investor Relations

    TSKB Financial Institutions & Investor Relations TSKB Financial Institutions & Investor Relations ir@tskb.com.tr www.tskb.com Meclisi Mebusan Cad. 81 Findikli 34427 istanbul

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