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BRSA Bank Only 3Q25 EARNINGS PRESENTATION
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Total assets grew by 10.4% QoQ, primarily driven by securities *Sep-24 and 2024 data are the data disclosed to the public in the relevant period before the correction made according to the equity method. > FX LCR is at 209%, well above the regulatory limit of 80%. Asset Mix (%) Loans Liq. Assets Securities Other Assets Bank Placements Cash CBRT Receivables 43.7% 2.4% 3.5% 6.8% FX 56% TRY 44% FX Liq. Assets (%) 94.1% FX L. Assets USD mn. Bank Plc. $ 405 CBRT Rcv. $ 10,982 Cash $ 284 Swaps $ 1,276 27.9% YoY 40.1% QoQ 10.4% Asset Growth Total Asset Growth (TRY billion) 40.1% Sep-24* 2,875.7 2024* 3,008.2 Mar-25 10.4% 1Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation > FX wholesale funding (excluding bank deposits) due within 12 months = $868 mn. 3,210.1 Jun-25 3,650.0 Sep-25 4,029.0 21.7%
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*Sep-24 and 2024 data are the data disclosed to the public in the relevant period before the correction made according to the equity method. Interest Income on Securities (TRY million) Total Securities / Total Assets (%) Total Securities Portfolio (TRY billion) Our securities portfolio surpassed the 1 Trillion TL threshold Securities Classi/fi.loclcation (TRY billion) Securities Composition (%) FV through OCI 23.4% Amortised Cost 68.0 % FV through P&L 8.6% Total CPI Linkers FX TRY Fixed Rate (FX) Fixed Rate (TRY) CPI Linkers Other Floating Rate 25.6 Sep-24* 76% 24% 557.8 178.0 735.8 26.0 27.5 2024* 75% 25% 583.9 199.2 783.1 Mar-25 74% 26% 656.0 225.8 881.9 27.3 27.9 Jun-25 72% 28% 718.5 278.2 996.7 Sep-24* 43% 15% 700.4 17% 25% 2024* 41% 14% 783.1 19% 25% Mar-25 40% 14% 881.9 20% 26% Jun-25 39% 14% 996.7 20% 28% Sep-25 36% 13% 1,124.3 22% 28% CPI Linkers' valuation rate is 30% for 2025. (2Q25:30%) FX TRY 28,238 Q3-24 48,042 22,088 Q4-24 45,066 30,130 Q1-25 56,486 51,666 Q2-25 83,487 Sep-25 72% 28% 804.0 320.3 1,124.3 22,233 Q3-25 58,417 2Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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(a) Excluding interest accruals (b) BRSA monthly data as of Sep-25 Business Loans YoY 24.2% QoQ 4.6% Retail Loans YoY 19.7% QoQ 5.7% Retail Loans YoY 19.7% QoQ 5.7% SME Loans YoY 22.9% QoQ 10.0% in USD terms FX Loans TRY Loans YoY 19.5% QoQ 2.2% YoY 15.8% QoQ 6.2% B. Sector(b) YoY 45.5% QoQ 6.8% HALKBANK YoY 40.9% QoQ 11.0% B. Sector(b) YoY 39.1% QoQ 9.8% HALKBANK YoY 16.3% QoQ 5.7% B. Sector(b) YoY 41.5% QoQ 8.6% HALKBANK YoY 23.0% QoQ 7.3% Total Loans Market Share %(b) FX loan growth continued to support total loan expansion (TRY billion)(a) 23.0% 7.3% 9.1 Sep-24 1,363.5 538.6 658.7 166.3 8.6 2024 1,373.4 514.9 681.2 177.3 8.2 Mar-25 1,448.7 575.1 697.0 176.7 8.0 Jun-25 1,563.9 639.3 736.4 188.3 7.9 Sep-25 1,667.7 668.9 809.8 199.0 3Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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FX loan share remained above 30% amid sustained demand Loans by Currency (%)(a) Retail Loans by Types (%)(a) Loans by Customer Segmentation (%)(a) Sectoral Breakdown of Loans (%) Manufacturing 20.4% Services 14.9% Trans. & Comm. 6.5% Other(c) 6.9% Tourism 5.2% Retail 11.4% Trade 19.9% Contractors 5.8% Real Estate 5.3% Energy 3.6% (a) Excluding interest accruals (b) Micro SMEs (c) Includes sectors below 3%. TRY 68.7% FX 31.3% SME 48% Corporate 35% Cooperative 35%(b) CGF 4% Retail 12% Commercial 5% SME 10.7% Commercial 7.1% Corporate 82.2% Housing 40% Credit Cards 36% Pensioners & Payroll Customers 23% Consumer 23.5% (Vehicle loans make up 1.3% of retail loans.) 4Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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NPL Portfolio (TRY million)(a) Loans under Close Watch (TRY million) (a) Excluding interest accruals (*) BRSA monthly data as of Sep-25. NPL Coverage (%)(a) NPL/Total Loans (%)(a) NPL coverage ratio improved, re/fl.loclecting our prudent approach Halkbank Sector(*) Loans under close watch/Loans (%) 1.7 1.9 Sep-24 Sep-24 66.1 7.5 8.4 26,950 107,756 Sep-24 Sep-24 1.8 2.1 2024 2024 63.8 28,862 123,159 2024 2024 8.2 2.0 2.4 Mar-25 Mar-25 57.3 35,786 127,157 Mar-25 Mar-25 8.8 45,298 148,182 Jun-25 Jun-25 8.8 55,967 159,009 Sep-25 Sep-25 2.1 2.8 Jun-25 Jun-25 54.4 2.3 3.2 Sep-25 Sep-25 62.0 5Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Consumer Loans (%)Corporate - Commercial (%) NPL ratio by segments Halkbank NPL Sector NPL (*) (*) BRSA monthly data as of Sep-25. Credit Cards (%)SME Loans (%) Sep-24 1.9 1.3 1.8 2.1 Sep-24 2024 1.6 1.2 2.0 2.5 2024 Mar-25 1.6 1.1 2.2 3.1 Mar-25 Jun-25 1.6 1.2 2.6 3.8 Jun-25 Sep-25 1.6 1.2 3.0 4.5 Sep-25 Sep-24 Sep-24 3.1 2.6 3.0 3.4 2024 2024 3.6 2.9 3.1 3.9 Mar-25 Mar-25 4.4 3.6 4.5 4.4 Jun-25 Jun-25 5.2 4.0 5.2 4.8 Sep-25 Sep-25 5.6 4.0 5.7 4.9 6Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Prudent approach remains a standout theme Provisions and Reversals (TRY million) Coverage Ratios Net Cost of Risk (bps) (Cumulative) S1 Provisions S2 Provisions S3 Provisions Total Reversals Net Total CoR (bps) (TRY million) Quarterly Stage 1 Stage 2 Stage 3 NPL (S1+S2+S3) Total Loans 134 -152 3,070 5,515 -70 Q3-24 Sep-24 0.57% 17.1% 62.4% 162.3% 3.03% -52 499 1,410 2,134 -12 Q4-24 2024 0.48% 14.7% 60.6% 148.2% 2.93% 1,081 194 4,289 3,511 55 1,081 194 4,289 3,511 55 Q1-25 Mar-25 0.48% 13.4% 55.1% 123.2% 2.85% 1,188 1,139 4,697 3,323 92 1,188 1,139 4,697 3,323 92 Q2-25 Jun-25 0.49% 10.5% 52.8% 104.7% 2.83% 1,489 -1,205 10,690 2,539 192 1,489 -1,205 10,690 2,539 192 Q3-25 Sep-25 0.53% 8.0% 62.0% 99.9% 3.08% Speci/fi.loclc Total Gross Cost of Risk (bps) (Cumulative) Total Speci/fi.loclc Sep-24 Sep-24 53 52 2024 2024 53 49 7Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation -57 25 -46 23 Mar-25 Mar-25 150 116 55 80 Jun-25 Jun-25 162 116 74 92 Sep-25 Sep-25 192 161 116 141
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90.0% Sep-24 64.3% 35.7% 91.1% 2024 67.4% 32.6% 92.1% Mar-25 63.8% 36.2% 91.4% Jun-25 62.4% 37.6% 90.9% Sep-25 61.6% 38.4% (a) Including interest accruals and excluding funds. Excluding demand deposits, the share of IBL is 69.6% in Sep-25. Growing wholesale funding appetite balanced deposit reliance (b) BRSA monthly data as of Sep-25, gross loans and including interbank deposits. > We successfully executed USD 300 mn amount of bilateral loans in Q3. > FX wholesale funding makes up 5.4% of total liabilities vs sector average(b) of 19.2%. Liabilities Mix (%) Deposits Funds Borrowed Interbank Money Market Marketable Securities Issued Shareholders’ Equity Other Liabilities Composition of IBLs(a) FX TRY Loan to Deposit (%) Halkbank L/D Sector L/D (b) TRY L/D FX L/D Sep-24 46.4 69.3 61.2 82.2 Sep-24 2024 46.3 66.8 60.0 82.9 2024 Mar-25 42.8 66.8 57.7 82.1 Mar-25 Jun-25 43.1 62.3 55.1 83.6 Jun-25 Sep-25 43.9 62.7 55.5 84.2 Sep-25 Sep-24 81.2% 6.7% 1.6% 4.8% 5.6% 0.2% 2024 79.2% 5.6% 1.8% 5.1% 8.2% 0.2% Mar-25 81.7% 4.6% 2.1% 4.9% 6.6% 0.1% Jun-25 81.4% 6.2% 1.8% 4.6% 5.9% 0.0% Sep-25 78.6% 6.2% 2.2% 4.9% 8.0% 0.0% 8Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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(a) Excluding interest accruals. (b) BRSA monthly data as of Sep-25, including interbank deposits. Total Deposits (TRY billion)(a) TRY Deposits (TRY billion)(a) Other Inst. Deposits Interbank Public Sector YoY QoQ 38.8% 8.1% B. Sector(b) HALKBANK 37.6% 6.9% YoY QoQ 36.1% 6.7% B. Sector(b) HALKBANK 31.2% 5.6% B. Sector(b)HALKBANK YoY QoQ YoY QoQ 43.3% 10.2% 49.2% 9.1% 17.7% 5.5% 22.6% 4.4% in USD terms Commercial Savings Market Share(b) % Strong deposit franchaise FX Deposits (TRY billion)(a) 11.3 23.5 801.9 Sep-24 11.0 21.9 771.0 2024 11.6 25.9 977.5 Mar-25 11.9 27.6 1,096.4 Jun-25 11.8 28.8 1,196.5 Sep-25 12.8 33% 7% 8% Sep-24 45% 8% 1,469.3 12.3 36% 8% 2024 46% 6% 12.2 Sep-24 2,271.3 11.9 2024 2,335.7 11.8 Mar-25 2,573.7 12.2 Jun-25 2,921.7 12.1 Sep-25 3,124.6 9Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation USD bn 4% 1,564.11,596.3 11.8 33% 8% Mar-25 49% 5% 4% 1,825.4 12.4 32% 8% Jun-25 45% 10% 5% 1,928.1 12.3 33% 9% Sep-25 44% 8% 6%
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Cost of TRY Deposits (%)(c) (a) Excluding interest accruals and interbank. (b) Excluding interest accruals. (c) Time & demand blended. Rising demand deposits eased funding cost pressures TRY 62% FX 38% Demand Deposits (TRY billion)(a) Time Deposits (TRY billion)(a) Deposits by Currency (%)(b) Time Deposits/Total Deposits (%) Demand Deposits/Total Deposits (%) 22.6% 21.5% 35.2% Sep-24 443.2 2024 442.9 77.4% 78.5% 22.7% 23.0% 24.1% 77.3% 77.0% 75.9% Sep-24 1,520.1 2024 1,612.3 Mar-25 517.7 Jun-25 574.5 Mar-25 1,763.6 Jun-25 1,928.6 Sep-25 651.8 Sep-25 2,054.6 6.5% 47.1% 13.5% Q3-24 42.0 Q4-24 41.5 Q1-25 38.6 Q2-25 41.1 Q3-25 36.9 10Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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(*) Time & demand blended. Blended Cost - Yield - Spread (%) Cost of Deposits (%)(*) Spreads (%) Robust recovery in TRY core-spreads Yield on Loans (%) TRY Core FX Core Blended CoreYield on Loans Cost of Deposits(*) Spread TRY FX TRY FX Q3-24 6.9 34.0 (27.1) 43.1 Q3-24 Q3-24 1.1 6.9 7.0 42.0 Q3-24 1.2 Q4-24 3.2 7.2 6.9 41.5 Q4-24 0.88.2 Q4-24 7.2 35.0 (27.8) 44.8 Q4-24 7.7 Q1-25 4.4 8.3 7.1 38.6 Q1-25 1.1 Q2-25 Q3-25 2.0 7.0 6.6 41.1 Q2-25 1.3 10.4 12.1 6.5 36.9 Q3-25 1.1 Q1-25 8.3 33.7 (25.4) 43.1 Q1-25 8.3 Q2-25 7.0 33.0 (26.0) 43.1 Q2-25 7.9 Q3-25 12.1 35.5 (23.4) 47.4 Q3-25 7.6 11Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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NII more than doubled in the YoY terms Breakdown of Fees & Commissions (%) (Cumulative) Payment Systems 43% Insurance 6% Non-Cash Loans 16% Expertise&Enquiry 1% Retail Banking 2% Money Transfer 21% Other 2% Corporate 10% Net Fees & Commissions Income (TRY million) 11.8%45.4% 234% -3.5% Net Interest Income (TRY million) NIM (%) Interest Income Interest Expenses YtD Swap adj. (YtD)Swap adj. (QoQ) Quarterly Sep-24 1.3 2.0 0.6 0.0 (171,996) 6,630 178,627 Q3-24 10,811 Q3-24 (180,300) 8,772 189,072 Q4-24 10,963 Q4-24 (179,570) 16,331 195,901 Q1-25 (210,840) 22,916 233,756 Q2-25 12,724 Q1-25 14,066 Q2-25 (210,332) 22,104 232,437 Q3-25 15,722 Q3-25 2024 1.6 1.9 1.0 0.2 Mar-25 2.9 2.9 2.5 2.5 Jun-25 3.6 3.3 3.1 2.8 Sep-25 3.1 3.2 2.6 2.7 12Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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RoA (%)RoE (%) Q3-25 Revenue Walk (TRY million) ROE remained near mid-teen levels (a) Net Interest Income + Net Fees & Commissions + Net Trading Income + Other Operating Income (b) Other Operating Income + Tax Provisions + Dividend YtD Quarterly YtD Quarterly NII Total Provisions Net Trading Income Net Income (Q3-25) Net F&C Income OPEX Other(b) Total Operating Revenues (TRY million)(a) 93.5% 13.0% 8,171 15,722 10,082 22,104 (25,645)21,843 Sep-24 8.6 11.3 Q3-24 23,458 Dec-24 10.6 10.8 Q4-24 30,896 Q1-25 Mar-25 18.5 18.5 37,385 Q2-25 Jun-25 12.2 15.1 42,260 Q3-25 Sep-25 17.7 15.4 0.4 0.6 Sep-24 0.5 0.6 Dec-24 0.9 0.9 Mar-25 0.6 0.7 Jun-25 0.8 0.8 Sep-25 (11,189) (2,902) 13Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Communication 1% Cost/Income (%) Breakdown of Operating Expenses (%) Slight OPEX contraction lowered cost-to-income ratio Operating Expenses / Average Assets (%) Depreciation 4% SDIF Premiums 4% Personnel Expenses 49% Advertisement Exp. 2% Rental 1% Other 13% Banking Services 14% Indemnity Provisions 2% Tax 9% Operating Expenses (TRY million) 87.3% -2.6% 2.28 Q3-24 2.29 Q4-24 2.80 Q1-25 2.81 Q2-25 2.71 Q3-25 Sep-24 85.3 Q3-24 13,688 2024 80.1 Q4-24 16,208 Mar-25 69.4 Q1-25 21,450 Jun-25 70.0 Q2-25 26,339 Sep-25 66.4 Q3-25 25,645 14Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Solvency Ratios CAR (%) Details on Capital Ratio (TRY mn) Credit Risk Base Amount (CRBA) Market Risk Base Amount (MRBA) Operational Risk Base Amount (ORBA) Total Risk Weighted Assets (RWAs) Regulatory Capital CAR (%) Tier-I (%) Common Equity Tier-I (%) Uncons. Basel III Sep-25 1,723,167 46,082 113,439 1,882,688 291,609 15.49 12.74 10.32 Cons. Basel III Sep-25 1,803,419 44,530 131,891 1,979,840 295,599 14.93 12.27 9.97 Details on Capital Ratio CARTier-I SHE (TRY million) 12.0 13.5 Sep-24* 137,957 Sep-24* 11.5 14.8 2024* 152,565 2024* 10.4 13.4 Mar-25 158,202 Mar-25 11.9 14.8 Jun-25 168,310 Jun-25 12.7 15.5 Sep-25 197,947 Sep-25 CAR (%) Tier-I (%) CET-I (%) 8.00 6.00 4.50 Minimum Basel III Capital Requirements 2.50 2.50 2.50 Capital Conservation Buffer 0.08 0.08 0.08 Counter Cyclical Buffer(*) 1.00 1.00 1.00 SIFI Buffer 11.58 9.58 8.08 Consolidated Regulatory Requirements 43.5% (*) Countercyclical Capital Buffer is 0.01% on an unconsolidated basis. *Sep-24 and 2024 data are the data disclosed to the public in the relevant period before the correction made according to the equity method. 15Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Details of digital customer base Active Digital Customers by Types (Million) (a) Internet-only customers + Mobile-only customers + Those customers who use both internet and mobile (b) Total number of digital transactions (mobile and internet) Digital Transactions Growth (Million)(b) Q3-25 Evolution of Transactions per Channel (% Share) Internet Banking ATM # of Total Active Digital Customers(a) Q3-24 # of active digital banking customers increased 7% YoY and reached 6.8 million 7% Mobile Banking Total Non-Branch +39% YoY Growth Sep-24 6.4 Dec-24 6.5 Mar-25 6.5 Jun-25 6.6 Sep-25 6.8 Sep-24 13.0% 73.4% 3.9% 97.9% Dec-24 12.1% 74.3% 3.8% 98.1% Mar-25 11.3% 75.8% 3.6% 98.2% Jun-25 10.9% 76.7% 3.4% 98.2% Sep-25 14.6% 67.7% 4.7% 97.5% 632 880 16Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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HeadcountBranches(*) (*) Domestic branches Branch Network – Human Resources Breakdown of Banking Transactions (%)Loans and Deposits per Branch (TRY million) Automatic Payment 4% Branch 2% Mobile Banking 68% Internet Banking 5% Call Center 7% ATM 15% # of ATMs Loans/Branches Deposits/Branches Sep-24 2,147.4 1,289.8 2024 2,197.2 1,309.0 Sep-24 1,087 4,089 21,807 Sep-24 21,520 Dec-24 22,162 Mar-25 22,198 Jun-25 22,243 Sep-25 Dec-24 1,084 4,088 17Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation Mar-25 2,413.1 1,381.3 Jun-25 2,721.9 1,491.2 Sep-25 2,887.8 1,604.3 Mar-25 1,087 4,080 Jun-25 1,092 4,109 Sep-25 1,097 4,142
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15 tons of emissions generated throughout the lifecycle of the Paraf Doğal card were offset with Gold Standard carbon credits in 2024. Halkbank continues its sustainability efforts every year by adding new projects. Paraf Doğal Contributed SDGs Halkbank has provided ₺107.4 billion in loan support to 256,795 women entrepreneurs from its launch until September 2025. The Bank stands out with a 33%* market share in the credit risk of loans extended to women entrepreneurs. Water Security Score “A-” Halkbank has developed Paraf Doğal, Turkey’s first carbon-neutral credit card. “A” 2024 ESG Score 83 Climate Change Score “A” Halkbank has been conducting sustainability and environmental assessments for companies applying for loans since 2016. Detailed information can be accessed via the QR code starting on page 90. Our Sectoral Targets Aligned with SBTi and NZBA Reducing Scope 1+2 emissions by 50.4%. Reducing other power generation-related emissions in the loan portfolio by 73.8% per MWh. Reducing GHG emissions from the power generation project finance portfolio by 52.6% per MWh Reducing GHG emissions from the commercial real estate sector by 60% per square meter. Halkbank aims to increase the share of green investments within its investment loan portfolio to 25%. By 2032; Halkbank has provided a total of ₺12.6 billion in investment loans to support 595 renewable energy projects over the last five years. IndexesRating Scores Since June 2024, Halkbank has been producing 6 tons of pet food for animal shelters by converting food waste through its “Compost Project”, implemented for the first time in the sector, contributing to circular economy and sustainable living goals. Through “Forestation Projects” in Tekirdağ and Adana, totaling 20,000 trees, a lasting contribution has been made to nature. By eliminating the use of plastic bottles at all service locations and implementing the “Self-Purifying Water Dispenser Project”, approximately 108 tons of plastic waste have been prevented. Sustainable banking approach 18Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation *The Banks Association of Turkey, June 2025 – Loans Provided to Women Entrepreneurs Report
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Sustainability journey 19Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation 2013 2015 2016 2019 2020 2021 2022 2023 2024 Sustainability Committee was established. Joined the CDP Climate Change Program. First Sustainability Report was published. The Sustainability Policy was published on the Bank’s website. Halkbank was included in the BIST Sustainability Index. Environment and Energy Policies were published. Sustainability and environmental criteria were added to the Credit Rating Report. ISO 14001 Environmental Management System was established. Halkbank became the first Turkish bank to implement the ISO 50001 Energy Management System. Compliance with the Zero Waste Regulation was achieved at all service locations. Halkbank became the first bank to receive ISO 45001:2018 International Occupational Health and Safety Certification at all service locations. Halkbank published its first Integrated Report. Women Entrepreneur Department was established. Zero Waste Certificate was obtained for all service locations. Halkbank published its first Integrated Annual Report. Halkbank joined the Net-Zero Banking Alliance (NZBA). Halkbank made a commitment to Science Based Targets initiative . Halkbank became the only Turkish bank to enter the “A List” in the CDP Water Security Program. Near-term targets were submitted to the NZBA and SBTi. The Bank became a signatory to the Women’s Empowerment Principles (WEPs). Became the only Turkish bank to be included in the “A List” of the CDP Water Security Program for the second consecutive year. Near-term targets reported to SBTi were approved. Halkbank became the first financial institution to take part in Zero Waste Good Practices. Memorial forests were created in Tekirdağ and Adana. Halkbank published the Climate Transition plan. Halkbank made it to the Global A List in the CDP Climate Change Program. Board of Directors Policy on Diversity was published.
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Annex (a) Excluding interest accruals. (b) BRSA monthly data as of Dec-24 and Sep-25. (c) Including interbank deposits. (d) S3 Provisions/Av. Gross Loans (e) Turkish Statistical Institute (TSI), 2025/2. (f) TSI, Oct-25. (g) TSI, Sep-25. Total Assets Loans(a) TRY Loans FC Loans SME Loans Corp.+Comml. L. Retail Loans Housing GPLs Credit Cards Auto Halkbank TRY Million 4,028,955 1,677,697 1,152,868 524,829 809,805 668,939 198,952 78,818 46,684 70,904 2,546 9.2 7.9 8.8 6.5 14.4 6.4 3.9 12.6 2.4 2.8 5.1 Market Share (%) Loan Growth (YtD, %) Deposit Growth(c) (YtD, %) LDR (%) NPL (%) CoR(d) (bps) Macroeconomic Indicators GDP Growth (%) CPI (%) Unemployment (%) CBT Policy Interest Rate (%) 28.6 20.3 82.2 1.7 97 9M-24 2.8 48.6 8.6 50.00 9M-24 Banking Sector Metrics(b) 9.9 11.1 82.1 2.0 167 Current 4.8(e) 32.9(f) 8.6(g) 39.50 9M-25 20Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation
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Balance Sheet (a) Reserve deposits monitored in balance with Central Bank (b) Including interest accruals Cash and Balances Held with the Central Bank(a) Banks & Money Market(b) Securities(b) Net Loans(b) Gross NPL NPL Net Property and Equipment Other Assets Total Assets Deposits(b) Funds Borrowed(b) Interbank Money Market(b) Marketable Securities Issued Funds Other Liabilities Provisions Shareholders’ Equity Total Liabilities In TRY million Sep-25 YtD Change % YoY Change % QoQ Change %H1-25 21Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation 2024Sep-24 838,744 34,188 1,124,276 1,759,862 55,967 21,290 41,601 230,284 4,028,955 3,167,963 88,739 323,128 319 78 236,499 14,282 197,947 4,028,955 838,744 34,188 1,124,276 1,759,862 55,967 21,290 41,601 230,284 4,028,955 3,167,963 88,739 323,128 319 78 236,499 14,282 197,947 4,028,955 44.8 69.7 52.8 25.5 96.1 133.1 57.7 105.4 40.1 35.7 97.1 101.5 (93.5) 1,642.9 30.7 16.6 43.5 40.1 44.8 69.7 52.8 25.5 96.1 133.1 57.7 105.4 40.1 35.7 97.1 101.5 (93.5) 1,642.9 30.7 16.6 43.5 40.1 34.6 26.7 43.6 24.0 84.1 103.9 34.6 84.0 33.9 33.0 67.1 30.8 (93.1) (91.6) 49.2 47.0 29.7 33.9 34.6 26.7 43.6 24.0 84.1 103.9 34.6 84.0 33.9 33.0 67.1 30.8 (93.1) (91.6) 49.2 47.0 29.7 33.9 7.3 21.9 12.8 8.1 19.9 3.0 4.1 31.6 10.4 6.6 34.1 50.3 (79.5) 50.3 10.7 9.4 17.6 10.4 7.3 21.9 12.8 8.1 19.9 3.0 4.1 31.6 10.4 6.6 34.1 50.3 (79.5) 50.3 10.7 9.4 17.6 10.4 781,970 28,044 996,704 1,628,417 46,669 20,677 39,973 174,937 3,650,045 2,972,266 66,162 214,971 1,554 52 213,672 13,059 168,310 3,650,045 781,970 28,044 996,704 1,628,417 46,669 20,677 39,973 174,937 3,650,045 2,972,266 66,162 214,971 1,554 52 213,672 13,059 168,310 3,650,045 623,117 26,984 783,143 1,418,935 30,398 10,443 30,906 125,166 3,008,250 2,381,754 53,093 246,987 4,649 927 158,558 9,717 152,565 3,008,250 623,117 26,984 783,143 1,418,935 30,398 10,443 30,906 125,166 3,008,250 2,381,754 53,093 246,987 4,649 927 158,558 9,717 152,565 3,008,250 579,183 20,144 735,807 1,402,059 28,547 9,134 26,382 112,098 2,875,673 2,334,204 45,014 160,401 4,906 4 180,937 12,249 137,957 2,875,673 579,183 20,144 735,807 1,402,059 28,547 9,134 26,382 112,098 2,875,673 2,334,204 45,014 160,401 4,906 4 180,937 12,249 137,957 2,875,673
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Income Statement *Subsidiaries & Associates are valued by equity method as of Q3-25 In TRY million Interest Income On Loans On Securities Interest Expense On Deposits Net Interest Income Net Fees and Commissions Net Trading Income Swap Cost Other Operating Income Reversal of Loan Loss Provisions Total Operating Revenues Operating Expenses Net Operating Income Provision for Loan Losses and Other Receivables Stage 3 Provisions Pro/fi.loclt/(Losses) from Subsidiaries & Associates* Income Before Taxes Provision for Tax Net Income 22Investor Relations www.halkbank.com.tr 3Q25 Earnings Presentation Q3-24 QoQ Change %Q2-25 Q3-25 YoY Change % YoY Change %Sep-25Sep-24 178,627 115,382 48,042 172,005 150,507 6,621 10,811 (1,712) (3,555) 6,124 761 21,843 13,688 8,155 3,302 3,070 88 4,941 1,981 2,960 39.1 26.9 48.9 34.6 31.0 107.1 49.7 (54.1) (69.1) 15.6 (9.7) 117.8 69.7 395.3 322.8 274.9 291.1 500.0 (64.8) 80.1 662,093 395,972 198,391 600,743 516,685 61,351 42,511 (9,919) (9,267) 16,597 2,443 110,541 73,434 37,106 23,981 19,676 4,142 17,267 (2,936) 20,204 475,933 312,069 133,270 446,315 394,370 29,618 28,404 (21,625) (30,019) 14,363 2,705 50,761 43,270 7,491 5,672 5,248 1,059 2,878 (8,340) 11,218 (0.6) 17.2 (30.0) (0.2) 0.2 (3.5) 11.8 (28.6) 3.6 64.2 26.8 13.0 (2.6) 50.4 60.2 127.6 941.1 81.6 (44.8) 64.1 (0.6) 17.2 (30.0) (0.2) 0.2 (3.5) 11.8 (28.6) 3.6 64.2 26.8 13.0 (2.6) 50.4 60.2 127.6 941.1 81.6 (44.8) 64.1 233,756 127,231 83,487 210,840 180,701 22,916 14,066 (4,065) (3,536) 4,468 487 37,385 26,339 11,046 6,986 4,697 227 4,288 (693) 4,981 233,756 127,231 83,487 210,840 180,701 22,916 14,066 (4,065) (3,536) 4,468 487 37,385 26,339 11,046 6,986 4,697 227 4,288 (693) 4,981 232,437 149,133 58,417 210,332 180,989 22,104 15,722 (2,902) (3,664) 7,336 617 42,260 25,645 16,615 11,189 10,690 2,363 7,789 (383) 8,171 232,437 149,133 58,417 210,332 180,989 22,104 15,722 (2,902) (3,664) 7,336 617 42,260 25,645 16,615 11,189 10,690 2,363 7,789 (383) 8,171 30.1 29.3 21.6 22.3 20.3 233.9 45.4 69.5 3.1 19.8 (18.9) 93.5 87.4 103.7 238.9 248.2 2,585.5 57.6 (119.3) 176.1 30.1 29.3 21.6 22.3 20.3 233.9 45.4 69.5 3.1 19.8 (18.9) 93.5 87.4 103.7 238.9 248.2 2,585.5 57.6 (119.3) 176.1
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DISCLAIMER The information contained in this presentation has been prepared by Türkiye Halk Bankası A.S. (the Bank) for informational purposes only. Although the information in this presentation has been obtained from sources which the Bank believes to be reliable, the Bank cannot guarantee that the information is without fault or entirely accurate. The information contained in this presentation has not been independently veri/fi.locled. No representation or warranty express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. The information and opinions in this presentation are provided as at the date of this presentation and are subject to change without notice. Türkiye Halk Bankası A.S. does not accept any liability whatsoever (in negligence or otherwise) for any loss howsoever arising from any use of this presentation or otherwise arising in connection with this presentation. This presentation cannot be interpreted as an advice to anyone and is also strictly con/fi.locldential and may not be reproduced, distributed or published for any purpose. For further information please contact halkbank.IR@halkbank.com.tr