Albaraka Turk Katilim Bankasi A.s. · BIST:ALBRK
Albaraka Turk Katilim Bankasi A.s — Albaraka Türk Katılım Bankası A.Ş. — Q3 2025 Earnings Presentation
21 slides from Albaraka Turk Katilim Bankasi A.s's earnings presentation, Aug 14, 2026
Slide 1: Investor Presentation Q3'25
Investor Presentation Q3’25 Albaraka Türk Participation Bank
Slide 2: Macroeconomics / Banking Outlook
Macroeconomics / Banking Outlook
Slide 3: Macroeconomic Outlook: Challenges in disinflation path
Macroeconomic Outlook: Challenges in disinflation path With the increase in the underlying trend of inflation, the CBRT adopted a more cautious stance at its October meeting, reducing the policy rate by 100 bps to 39.50%. Global PMI Central Banks Policy Rates Index, 50 = no change, September 2025 %,
Slide 4: Banking Sector Overview: Profitability improved with restart of CBRT rate cuts
6 Banking Sector Overview: Profitability improved with restart of CBRT interest rate cuts YoY net profit increased by 45.5% in the sector and 32.6% in participation banks; participation bank’s asset share in the sector reached 8.9%. Net Profit Funded Credits* Total Assets* TL Billion TL Billion TL B
Slide 5: Q3'25 Financial Results
Q3’25 Financial Results
Slide 6: Maintained growth and profitability despite tight monetary conditions
Maintained growth and profitability despite tight monetary conditions Performing credits increased by 43% YtD, reflecting solid core banking performance and sound asset quality. Net Profit Income – Cost Dynamics 9M’24 Return on Avg. Equity & Assets* TL Billion % TL Billion 9M’25 +57.5% 9M’24 +34.9 +
Slide 7: Consistent growth in total assets, NPSM recovery underway
6 Consistent growth in total assets, NPSM recovery underway Total assets reached 34% YtD growth with NPSM showing a 50 bps QoQ imrovement. Other Assets Composition of Total Assets Currency Breakdown of Total Assets Securities TL Billion , % TL/USD Billion, % Cash and Equivalents +34.2% +34.2% Funded
Slide 8: Resilient credit growth in a challenging monetary environment
7 Resilient credit growth in a challenging monetary environment Total funded credits increased 43% YtD, with FC lending contributing notably, and retail credit risk under 10% of total funded credits. Total Funded Credits Currency Breakdown of Performing Credits* TL Billion - Inc. f.Leasing. TL milli
Slide 9: Sound credit quality maintains low NPL ratio
8 Sound credit quality maintains low NPL ratio Cost of risk declined, NPL ratio stood at 1.58%, in line with guidance. Non Performing Credits Development NPL Ratio TL Billion % 2.5 NPL Ratio 0.4 3.3 2.0 Net NPL Ratio 0.0 1.58% 1.7 1.45% 1.36% 1.34% 1.41% 1.5 2.0 1.0 0.5 0.21% 0.17% 0.19% 0.20% 0.27%
Slide 10: Securities portfolio optimization aligned with market dynamics
6 Securities portfolio optimization aligned with market dynamics Securities portfolio increased ~11% QoQ, with slightly higher FC securities share supporting growth and profitability. Total Total Securities Portfolio Securities Yield* LC Available for Sale TL Billion % FC 27.2 26.4 26.0 Marketable S
Slide 11: Well-diversified funding sources support flexibility and resilience
10 Well-diversified funding sources support flexibility and resilience Total liabilities composition reflects increasing role of alternative funding sources. Composition of Total Liabilities Currency Breakdown of Collected Funds TL Billion TL Billion +34.2% +25.2% Other Liabilities 416.7 256.4 5.2%
Slide 12: Solid growth in collected funds, led by participation accounts
Solid growth in collected funds, led by participation accounts Participation accounts led growth, alongside solid FC momentum and a stable 50% current account share. Current Accounts Participation Accounts TL Billion – Annual Growth % TL Billion – Annual Growth % +21.7% 2024 +35.3% 2024 9M’25 102.2
Slide 13: Effective cost management supports balanced operational performance
6 Effective cost management supports balanced operational performance Core banking income moderated by high funding costs, while expenses we contained through effective cost management Income-Cost Dynamics TL Billion Cost - Income* +102.5% 20.8 70 60 11.9 (57.3%) +44.6% 50 10.3 11.0 40 44.7 44.5 2.6
Slide 14: Navigating challenges of operational environment with sustained profitability
6 Navigating challenges of operational environment with sustained profitability YoY QoQ Notes (TL Million) 9M’24 9M’25 % Q2’25 Q3’25 % Net profit share income improved sharply QoQ, increasing by 149% last quarter. Net Profit Share Income 5,460 3,085 -43% 569 1,415 149% Despite 43% YoY contraction, f
Slide 15: Capital adequacy ratio remains robust and sufficient to support growth
Capital adequacy ratio remains robust and sufficient to support growth CAR improved with support from Tier 1 and Tier 2 capital, increasing by 150 bps YoY. Capital Breakdown % Capital Adequacy Ratio 3.0% AT-1 % Tier-2 22.7% Core Capital 33.6% 18.7 2024 49.9% Q3’25 17.2 63.4% 27.3% 13.6 10.9 11.4 9.3
Slide 16: 2025 Guidance: On track to meet year-end targets
2025 Guidance: On track to meet year-end targets We are not changing our year-end guidance, some upside potential remains. Indicators 9M’25 2025E Credit Growth 44% ~50% Non-Performing Credits Ratio 1.6% <2% Special Provisioning Ratio 83% ~85% Net Profit Share Margin 1.7% 2.5% (Inc.swap costs) 23.7%
Slide 17: Appendix
Appendix
Slide 18: Summary Balance Sheet
Summary Balance Sheet (TL Million) 2024 Q3’25 Growth (%) (TL Million) 2024 Q3’25 Growth (%) Cash and Balances with Funds Collected 204,767 256,381 25% 60,893 78,144 28% Central Bank Funds Borrowed 50,237 82,212 64% Banks 22,072 24,392 11% Borrowings from Money Money Market Placements - - - 10,077 N/
Slide 19: Summary Income Statement
6 Summary Income Statement (TL Million) Q3’24 Q3’25 Growth (%) Profit Share Income 28,879 43,779 52% Profit Share Expense 23,419 40,693 74% Net Profit Share Income 5,460 3,085 -43% Net Fees and Commissions Income 2,421 3,568 47% Fees and Commissions Received 2,883 4,219 46% Fees and Commissions Paid
Slide 20: Thank You
THANK YOU...
Slide 21: Disclaimer
6 DISCLAIMER THIS PRESENTATION AND THE INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY NOT BE REPRODUCED. CIRCULATED. DISTRIBUTED OR PUBLISHED (IN WHOLE OR IN PART) OR DISCLOSED BY RECIPIENTS TO ANY OTHER PARTY. BY VIEWING THIS PRESENTATION. YOU AGREE TO BE BOUND BY THE FOREGOING LIMITATIONS. T
Albaraka Türk Katılım Bankası A.Ş. — Q3 2025 Earnings Presentation on 6ix