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BRSA Bank Only HALKBANK 2Q26 EARNINGS PRESENTATION WHALKBANK
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1Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation !"#$%& '()*%%+ ,("$)-$*. /01"1#0"*2 3040)"*02")0%1 5(2)"01"60*0). 1Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Rebalancing narrative continues, operating environment to improve further. 2Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation Budget Balance as of GDP (%) *The CBRT Market Participant Expectations Survey median estimate. **Annualised as of Jun-26 > Almost completing earthquake spending burden, budget balance started to satisfy the Maastricht Criteria. > Signi/fi.loclcant improvement in the primary budget balance, heralds more support for the price stability goal. Maastricht Criteria Primary Budget BalanceBudget Balance 2021 2022 2023 2024 2026**2025 1.0 0.0 -3.0 -2.6 Real GDP Growth (Annual, %) > Despite the tight /fi.loclnancial conditions, Turkish economy managed to engineer soft landing which is a good sign for the asset quality. > Negative output gap implies that the demand conditions are disin/fl.loclationary. 2002-2025 average 2021 11.8 2022 5.4 2023 5.0 2024 3.3 2025 3.6 2026* 3.1 CPI vs. Policy Rate (%) > Disin/fl.loclation trend continues, and rates cuts are possible in the last quarter of the year. > The CBRT funds the market at O/N Lending Rate (40%) which 300 bps higher than the policy rate (37%). CBRT Policy Rate (%)CPI (YoY , %) 2021 2022 2023 2024 2026*2025 35.0 29.3
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Lower country leverage means more room for the banks to penetrate. *Banking Assets as of Jun-26; Nominal GDP as of Q1-26. **As of Q1-26. Source: IIF . 3Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation Lowest since 2018 Country Risk Premium (bps)Indebtedness (Debt/GDP**, %)Total Assets as of Nominal GDP* (%) > Turkish economy doubled in size over a decade, in spite of comparatevely lower credit base growth. > The CBRT applies restrictive credit policies to contain in/fl.loclation /fi.loclrmly. > Once the macroprudential measures eased or lifted, than the sector will grow even more. > Debt space of Türkiye is a promising factor that can fuel the growth in coming years. > Lower debt levels would be a solid anchor for exogenous future shocks. > Funding new debts with lower cost and longer maturity external funding would reduce the in/fl.loclationary pressure that caused by the potential demand boost. > Sovereign CDS spreads is close to its lowest levels since 2018. > Further decline in the CDS can enable the banks to obtain relatively cheaper funding. > This is also a good prospect for the foreign portfolio in/fl.loclows that help banks to increase trading revenues. Nominal GDP(USD Bn)Banking Assets as of GDP Türkiye EM Euro Zone World General Government Financial Corporations Non-Financial Corporations Household Türkiye 5 Year CDS (bps) 229 351 306 91 2026* 1,639 69 2025 1,596 69 2024 1,358 68 2023 70 2020 730 113 2015 868 94 2018 2020 2022 2024 2026 1,153 400 600 800 1,000 200
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Halkbank is in the top-5 by the key sector indicators in the Turkish banking sector #4 Total Assets Mkt Share: ~9.0% TRY 4.7 Tn (2Q25) #5 Total Loans (Cash) Mkt Share: ~8.2% TRY 2.3 Tn (Inc. accruals) #3 Securities Portfolio Mkt Share: ~12.8% TRY 1.2 Tn (Inc. accruals) ~1Th Cooperative Customers 50% Government Support on Interest Payment ~1Mn Cooperative Clients Cooperative Warranties #3 Total Deposits Mkt Share: ~11.6% TRY 3.7 Tn (Inc. accruals) Leading SME Bank with 14.1% market share with the support of special cooperative loan scheme 4Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Asset mix to rebalance in favor of loans > FX LCR is at 214%, well above the regulatory limit of 80%. Asset Mix (%) Loans Liq. Assets Securities Other Assets Bank Placements Cash CBRT Receivables 49.0% 3.5% 7.6% 7.6% FX 55% TRY 45% FX Liq. Assets (%) 88.9% FX L. Assets USD mn. Bank Plc. $ 728 CBRT Rcv. $ 8,492 Cash $ 337 Swaps $ 1,806 26.4% YoY 29.4% QoQ 6.5% Asset Growth Total Asset Growth (TRY billion) 29.4% 6.5% 5Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation > FX wholesale funding (excluding bank deposits) due within 12 months = $1.079 mn.Jun-25 3,650.0 Sep-25 4,029.0 2025 4,292.8 Mar-26 4,432.8 Jun-26 4,721.8 17.1%
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*Market implied in/fl.loclation rate Interest Income on Securities (TRY million) Total Securities / Total Assets (%) Total Securities Portfolio (TRY billion) Hefty CPI linkers portfolio continued to hedge against recent in/fl.loclationary pressures Securities Classi/fi.loclcation (TRY billion) Securities Composition (%) FV through OCI 24.2% Amortised Cost 68.8% FV through P&L 7.0% Total CPI Linkers FX TRY Fixed Rate (FX) Fixed Rate (TRY) CPI Linkers Other Floating Rate 27.3 27.9 Jun-25 72% 28% 718.5 278.2 996.7 Jun-25 39% 14% 996.7 20% 28% Sep-25 36% 13% 1,124.3 22% 28% 2025 37% 12% 1,186.8 21% 29% Mar-26 36% 12% 1,183.6 23% 29% Jun-26 37% 12% 1,244.9 23% 27% CPI Linkers' valuation rate is 28%* for 2026. FX TRY Sep-25 72% 28% 804.0 320.3 1,124.3 27.6 2025 71% 29% 837.2 349.6 1,186.8 26.7 Mar-26 71% 29% 837.4 346.2 1,183.6 26.4 Jun-26 73% 27% 906.3 338.6 1,244.9 51,666 Q2-25 83,487 22,233 Q3-25 58,417 27,695 Q4-25 66,124 24,984 Q1-26 62,079 42,589 Q2-26 81,618 6Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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(a) Excluding interest accruals (b) BRSA monthly data as of Jun-26 Business Loans YoY 38.9% QoQ 12.7% Retail Loans YoY 45.9% QoQ 10.1% Retail Loans YoY 45.9% QoQ 10.1% SME Loans YoY 39.2% QoQ 6.3% in USD terms FX Loans TRY Loans YoY 8.4% QoQ 1.2% YoY 23.5% QoQ 7.7% B. Sector(b) YoY 27.1% QoQ 6.2% HALKBANK YoY 44.9% QoQ 12.9% B. Sector(b) YoY 43.2% QoQ 8.3% HALKBANK YoY 37.7% QoQ 7.7% B. Sector(b) YoY 37.0% QoQ 7.6% HALKBANK YoY 39.9.% QoQ 9.3% Total Loans Market Share %(b) Loans grew faster than the sector average as part of our strategy prioritizing loans (TRY billion)(a) 39.9% 9.3% 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 8.0 2025 1,842.1 738.1 881.8 222.2 8.0 Mar-26 2,001.4 787.5 964.3 249.6 8.2 Jun-26 2,187.8 887.8 1025.2 274.8 7Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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(a) Excluding interest accruals. (b) BRSA monthly data as of Jun-26. TRY Loans (TRY billion)(a) YoY QoQ 43.2% 8.3% B. Sector(b) HALKBANK 37.7% 7.7% B. Sector(b)HALKBANK YoY QoQ YoY QoQ 27.1% 6.2% 44.9% 12.9% 8.4% 1.2% 23.5% 7.7% in USD terms Market Share(b) % FX driven loan growth 8Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation 1,091.2 9.1 Jun-25 693 188 144 66 1,152.9 8.8 53 147 199 Sep-25 754 1,270.9 8.7 2025 821 FX Loans (TRY billion)(a) SME Loans Corporate Loans Commercial Loans Corporate Loans SME Loans 472.8 6.2 Jun-25 394 43 36 524.8 6.5 56 Sep-25 432 37 571.1 6.7 61 52 2025 458 Commercial Loans USD bn Retail Loans 13.3 606.5 6.7 73 55 Mar-26 479 13.7 12.6 11.9 69 159 222 1,394.9 8.8 Mar-26 892 76 178 250 684.8 7.1 75 73 Jun-26 537 14.7 1,502.9 8.8 Jun-26 950 93 185 275
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Well-positioned loan portfolio Loans by Currency (%)(a) Retail Loans by Types (%)(a) Loans by Customer Segmentation (%)(a) Sectoral Breakdown of Loans (%) Manufacturing 20.2% Services 13.9% Trans. & Comm. 5.6% Other(c) 7.2% Tourism 5.1% Retail 12.0% Trade 19.8% Contractors 7.1% Real Estate 6.0% Energy 3.1% (a) Excluding interest accruals (b) Micro SMEs (c) Includes sectors below 3%. TRY 68.7% FX 31.3% SME 47% Corporate 33% Cooperative 29%(b) CGF 5% Retail 13% Commercial 8% SME 11.0% Commercial 10.6% Corporate 78.3% Housing 29% Credit Cards 44% Pensioners & Payroll Customers 27% Consumer 26% (Vehicle loans make up 0.8% of retail loans.) 9Investor Relations www.halkbank.com.tr 2Q26 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 Jun-26 NPL Coverage (%)(a) NPL/Total Loans (%)(a) Improving NPL coverage ratio, albeit increasing S3 in/fl.loclows in line with the Peers Halkbank Sector(*) Loans under close watch/Loans (%) 8.8 45,298 148,182 Jun-25 Jun-25 8.8 9.1 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 62,505 181,311 2025 2025 2.5 3.3 2025 2025 63.4 8.6 72,424 187,964 Mar-26 Mar-26 2.7 3.5 Mar-26 Jun-26 Mar-26 62.9 9.4 83,572 224,257 Jun-26 Jun-26 2.8 3.7 Jun-26 63.2 10Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Consumer Loans (%)Corporate - Commercial (%) Asset quality divergence across the segments Halkbank NPL Sector NPL (*) (*) BRSA monthly data as of Jun-26. Credit Cards (%)SME Loans (%) Jun-25 1.6 1.2 2.6 3.8 Jun-25 Sep-25 1.6 1.2 3.0 4.5 Sep-25 Jun-25 Jun-25 5.2 4.0 5.2 4.8 Sep-25 Sep-25 5.6 4.0 5.7 4.9 2025 1.5 1.3 3.1 4.7 2025 2025 2025 5.9 4.3 4.7 5.0 Mar-26 1.5 1.3 3.4 5.1 Mar-26 Mar-26 Mar-26 5.7 4.6 4.2 5.2 Jun-26 1.4 3.7 5.6 Jun-26 Jun-26 Jun-26 6.3 4.9 4.7 5.5 1.3 11Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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(*) Excluding interest accruals. Prudent approach remains along with improving CoR 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 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% 54.4% 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% 2,824 3,362 5,396 1,826 203 2,824 3,362 5,396 1,826 203 Q4-25 2025 0.62% 8.0% 63.4% 104.0% 3.26% 955 815 7,960 5,668 79 955 815 7,960 5,668 79 Q1-26 Mar-26 0.56% 6.8% 62.9% 95.4% 3.17% 905 846 8,910 1,536 160 905 846 8,910 1,536 160 Q2-26 Jun-26 0.56% 6.0% 63.2% 93.3% 3.26% Speci/fi.loclc Total Gross Cost of Risk (bps) (Cumulative) Total Speci/fi.loclc 12Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation Jun-25 Jun-25 162 116 74 92 Sep-25 Sep-25 192 161 116 141 2025 2025 203 145 139 128 Mar-26 Mar-26 189 155 79 118 Jun-26 Jun-26 188 155 121 124
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91.4% Jun-25 62.4% 37.6% 90.9% Sep-25 61.6% 38.4% 91.0% 2025 61.1% 38.9% 90.9% Mar-26 62.0% 38.0% 90.4% Jun-26 61.9% 38.1% (a) Including interest accruals and excluding funds. Excluding demand deposits, the share of IBL is 67.9% in Jun-26. Strategical change in the liability composition to continue (b) BRSA monthly data as of Jun-26, gross loans and including interbank deposits. > We executed TRY 11 bn amount of AT-1 issuance in Q2-26. > FX wholesale funding makes up 5.9% 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 Jun-25 43.1 62.3 55.1 83.6 Jun-25 Sep-25 43.9 62.7 55.5 84.2 Sep-25 2025 45.0 61.2 55.2 83.9 2025 Mar-26 47.7 71.1 62.2 87.6 Mar-26 Jun-26 50.8 70.1 62.9 88.3 Jun-26 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% 2025 81.2% 2.2% 5.1% 5.3% 0.0% 6.2% Mar-26 76.1% 2.3% 5.1% 10.0% 0.0% 6.6% Jun-26 77.4% 2.8% 5.0% 7.2% 0.0% 7.5% 13Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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(a) Excluding interest accruals. (b) BRSA monthly data as of Jun-26, including interbank deposits. Total Deposits (TRY billion)(a) TRY Deposits (TRY billion)(a) Other Inst. Deposits Interbank Public Sector YoY QoQ 30.6% 6.9% B. Sector(b) HALKBANK 23.6% 8.3% YoY QoQ 30.8% 12.0% B. Sector(b) HALKBANK 24.0% 9.8% B. Sector(b)HALKBANK YoY QoQ YoY QoQ 30.3% -0.4% 22.9% 5.9% 11.1% -5.1% 4.8% 1.0% in USD terms Commercial Savings Market Share(b) % Deposits maintains as main source of funding FX Deposits (TRY billion)(a) 11.9 27.6 1,096.4 Jun-25 11.8 28.9 1,196.5 Sep-25 12.2 Jun-25 2,921.7 12.1 Sep-25 3,124.6 14Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation USD bn 1,825.4 12.4 32% 8% Jun-25 45% 10% 5% 1,928.1 12.3 33% 9% Sep-25 44% 8% 6% 11.4 29.7 1,270.2 2025 12.2 2025 3,448.3 2,178.1 12.7 35% 8% 2025 38% 9% 10% 10.6 28.6 1,271.7 Mar-26 11.4 Mar-26 3,334.1 2,062.4 12.0 35% 9% Mar-26 40% 5% 10% 11.2 28.9 1,347.4 Jun-26 11.6 Jun-26 3,611.5 2,264.1 11.8 33% 9% Jun-26 39% 5% 13%
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Cost of TRY Deposits (%)(c) (a) Excluding interest accruals and interbank. (b) Excluding interest accruals. (c) Time & demand blended. Sustained growth in demand deposit TRY 63% FX 37% Demand Deposits (TRY billion)(a) Time Deposits (TRY billion)(a) Deposits by Currency (%)(b) Time Deposits/Total Deposits (%) Demand Deposits/Total Deposits (%) 22.6% 23.0% 24.1% 77.0% 75.9% Jun-25 574.5 Jun-25 1,928.6 Sep-25 651.8 Sep-25 2,054.6 9.1% 44.5% 3.0% Q2-25 41.1 Q3-25 36.9 25.5% 74.5% 27.1% 26.0% 72.9% 74.0% 2025 757.2 2025 2,210.7 Q4-25 34.7 Mar-26 806.2 Mar-26 Jun-26 830.3 Jun-26 2,364.6 Q1-26 33.1 Q2-26 35.3 15Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation 2,167.0
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(*) Time & demand blended. Blended Cost - Yield - Spread (%) Cost of Deposits (%)(*) Spreads (%) The impact of the tight monetary policy puts down on the spreads Yield on Loans (%) TRY Core FX Core Blended CoreYield on Loans Cost of Deposits(*) Spread TRY FX TRY FX Q2-25 Q3-25 Q4-25 2.0 7.0 6.6 41.1 Q2-25 1.3 10.4 12.1 6.5 36.9 Q3-25 1.1 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 8.5 10.8 7.1 34.7 Q4-25 0.9 Q4-25 10.8 32.7 (21.9) 43.2 Q4-25 8.1 Q1-26 9.0 10.9 6.8 33.1 Q1-26 0.7 Q1-26 10.9 31.8 (20.9) 42.1 Q1-26 7.6 5.0 8.4 6.8 35.3 Q2-26 1.0 Q2-26 Q2-26 8.4 30.5 (22.2) 40.3 Q2-26 7.8 16Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Headline NIM hovers above 4% handle despite challenging operating environment Breakdown of Fees & Commissions (%) (Cumulative) Payment Systems 45% Insurance 5% Non-Cash Loans 15% Expertise&Enquiry 1% Retail Banking 2% Money Transfer 21% Other 3% Corporate 7% Net Fees & Commissions Income (TRY million) 5.9%28.4% 71.5% 12.8% Net Interest Income (TRY million) NIM (%) Interest Income Interest Expenses YtD Swap adj. (YtD)Swap adj. (QoQ) Quarterly (210,840) 22,916 233,756 Q2-25 14,066 Q2-25 (210,332) 22,104 232,437 Q3-25 15,722 Q3-25 (211,440) 28,421 239,861 Q4-25 17,800 Q4-25 (207,637) 34,848 242,485 Q1-26 17,056 Q1-26 (232,800) 39,308 272,108 Q2-26 18,061 Q2-26 Jun-25 3.6 3.3 3.1 2.8 Sep-25 3.1 3.2 2.6 2.7 2025 3.7 3.4 2.9 2.8 Mar-26 4.3 4.3 3.5 3.5 Jun-26 4.5 4.4 3.3 3.4 17Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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RoA (%)RoE (%) Q2-26 Revenue Walk (TRY million) Bottom-line grew by 65% YoY (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 (Q2-26) Net F&C Income OPEX Other(b) Total Operating Revenues (TRY million)(a) 35.6% -2.9% 8,223 18,061 10,440 39,308 (39,577) 37,385 Q2-25 Jun-25 12.2 15.1 42,260 Q3-25 Sep-25 17.7 15.4 0.6 0.7 Jun-25 0.8 0.8 Sep-25 48,144 Q4-25 52,222 Q1-26 Dec-25 13.2 14.6 0.7 0.7 Dec-25 Mar-26 17.4 17.4 0.9 0.9 Mar-26 50,690 Q2-26 Jun-26 14.3 15.8 0.7 0.8 Jun-26 (10,670) (9,339) 18Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Communication 1% Cost/Income (%) Breakdown of Operating Expenses (%) (Cumulative) Cyclical wage increase temporarily paused the ef/fi.loclciency improvement Operating Expenses / Average Assets (%) Depreciation 5% SDIF Premiums 4% Personnel Expenses 47% Advertisement Exp. 2% Rental 1% Other 12% Banking Services 21% Indemnity Provisions 2% Tax 7% Operating Expenses (TRY million) 50.3% 20.6% 2.89 Q2-25 2.79 Q3-25 Jun-25 70.0 Q2-25 26,339 Sep-25 66.4 Q3-25 2.87 Q4-25 3.05 Q1-26 3.19 Q2-26 25,645 2025 65.5 Q4-25 31,215 Mar-26 62.8 Q1-26 32,818 Jun-26 70.3 Q2-26 39.577 19Investor Relations www.halkbank.com.tr 2Q26 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 Jun-26 2,443,869 72,124 160,082 2,676,074 375,740 14.04 11.86 8.73 Cons. Basel III Jun-26 2,578,660 69,736 190,137 2,838,532 375,213 13.22 11.12 8.16 Details on Capital Ratio CARTier-I SHE (TRY million) 11.9 14.8 Jun-25 168,310 Jun-25 12.7 15.5 Sep-25 197,947 Sep-25 13.6 16.2 Dec-25 218,333 2025 11.2 13.4 Mar-26 11.9 14.0 Jun-26 226,029 Mar-26 234,602 Jun-26 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 0.10 0.10 0.10 Counter Cyclical Buffer(*) 1.00 1.00 1.00 SIFI Buffer 11.60 9.60 8.10 Consolidated Regulatory Requirements 39.4% (*) Countercyclical Capital Buffer is 0.01% on an unconsolidated basis. 20Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Headcount Digitalisation – Branch Network – Human Resources 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) (*) Domestic branches Digital Transactions Growth (Million)(b) Q2-26 # of Total Active Digital Customers(a) Q2-25 14% +18% YoY Growth Jun-25 6.6 Sep-25 6.8 Dec-25 7.2 Mar-26 7.5 Jun-26 7.5 788 928 22,198 22,243 22,575 Breakdown of Banking Transactions (%) Automatic Payment 6% Branch 4% Mobile Banking 48% Internet Banking 7% Call Center 11% ATM 24% Branches(*) # of ATMs Jun-25 1,092 4,109 Sep-25 1,097 4,142 Dec-25 1,097 4,147 22,571 Mar-26 1,104 4,150 22,198 Jun-26 1,109 4,169 21Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation
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Annex Total Assets Loans(a) TRY Loans FC Loans SME Loans Corp.+Comml. L. Retail Loans Housing GPLs Credit Cards Auto Halkbank TRY Million 4,721,843 2,187,756 1,502,921 684,835 1,025,187 887,797 274,772 79,910 71,388 121,346 2,129 9.0 8.0 8.8 7.1 14.1 6.9 4.1 10.0 2.8 3.7 4.9 Market Share (%) Loan Growth (YtD, %) Deposit Growth(c) (YtD, %) LDR (%) NPL (%) CoR(d) (bps) Macroeconomic Indicators GDP Growth (%) CPI (%) Unemployment (%) CBT Policy Interest Rate (%) 21.8 21.3 83.6 2.1 163 H125 2.0 35.1 8.6 46.00 H125 Banking Sector Metrics(b) 37.0 30.6 88.3 2.8 193 Current 2.5(e) 31.8(f) 7.6(g) 37.0 H126 Türkiye BB- (Stable) Fitch RatingsSovereign Ratings Ba3 (Stable) Moody's 24Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation (a) Excluding interest accruals. (b) BRSA monthly data as of Dec-25 and Jun-26. (c) Including interbank deposits. (d) S3 Provisions/Av. Gross Loans (e) Turkish Statistical Institute (TSI), 2026/1. (f) TSI, Jul-26. (g) TSI, Jun-26.
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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 YoY Change % 25Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation QoQ Change % YtD Change %H1-26Mar-262025H1-25 (3.7) 92.9 24.9 42.0 79.1 48.8 60.8 67.9 29.4 23.0 102.2 58.5 31.3 (65.8) 57.6 39.5 39.4 29.4 (3.7) 92.9 24.9 42.0 79.1 48.8 60.8 67.9 29.4 23.0 102.2 58.5 31.3 (65.8) 57.6 39.5 39.4 29.4 (1.6) (0.6) 5.2 9.7 15.4 14.4 16.2 9.8 6.5 8.4 33.9 (23.1) 0.1 (93.1) 22.6 16.2 3.8 6.5 (1.6) (0.6) 5.2 9.7 15.4 14.4 16.2 9.8 6.5 8.4 33.9 (23.1) 0.1 (93.1) 22.6 16.2 3.8 6.5 (11.2) 22.2 4.9 19.8 33.7 34.3 28.5 24.9 10.0 4.8 41.2 50.5 n.a (96.0) 33.7 31.8 7.5 10.0 (11.2) 22.2 4.9 19.8 33.7 34.3 28.5 24.9 10.0 4.8 41.2 50.5 n.a (96.0) 33.7 31.8 7.5 10.0 753,047 54,104 1,244,911 2,311,854 83,572 30,758 64,279 293,647 4,721,843 3,655,676 133,768 340,752 2,040 18 336,770 18,216 234,602 4,721,843 753,047 54,104 1,244,911 2,311,854 83,572 30,758 64,279 293,647 4,721,843 3,655,676 133,768 340,752 2,040 18 336,770 18,216 234,602 4,721,843 765,491 54,422 1,183,642 2,106,534 72,424 26,888 55,327 267,406 4,432,822 3,371,303 99,904 442,991 2,038 258 274,617 15,683 226,029 4,432,822 765,491 54,422 1,183,642 2,106,534 72,424 26,888 55,327 267,406 4,432,822 3,371,303 99,904 442,991 2,038 258 274,617 15,683 226,029 4,432,822 847,599 44,257 1,186,846 1,929,018 62,505 22,902 50,037 235,023 4,292,781 3,487,119 94,733 226,485 0 443 251,851 13,816 218,333 4,292,781 847,599 44,257 1,186,846 1,929,018 62,505 22,902 50,037 235,023 4,292,781 3,487,119 94,733 226,485 0 443 251,851 13,816 218,333 4,292,781 781,970 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
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Income Statement 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 26Investor Relations www.halkbank.com.tr 2Q26 Earnings Presentation Q2-25 QoQ Change %Q1-26 Q2-26 YoY Change % YoY Change %H1-26H1-25 233,756 127,231 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 19.8 30.2 2.7 12.8 11.9 88.9 31.1 135.8 212.6 10.0 86.8 50.7 51.5 48.9 59.6 87.7 368.6 94.6 (127.9) 47.3 514,593 321,420 143,697 440,437 375,786 74,156 35,117 (16,548) (17,515) 10,187 3,411 102,912 72,395 30,517 20,410 16,870 8,336 18,443 714 17,729 429,657 246,840 139,973 390,410 335,696 39,247 26,790 (7,017) (5,604) 9,262 1,826 68,281 47,789 20,492 12,792 8,986 1,779 9,479 (2,554) 12,032 12.2 6.4 31.5 12.1 9.9 12.8 5.9 29.6 74.1 (64.7) (18.1) (2.9) 20.6 (42.7) 9.5 11.9 1.6 (66.3) (183.4) (13.5) 12.2 6.4 31.5 12.1 9.9 12.8 5.9 29.6 74.1 (64.7) (18.1) (2.9) 20.6 (42.7) 9.5 11.9 1.6 (66.3) (183.4) (13.5) 242,485 155,760 62,079 207,637 179,021 34,848 17,056 (7,209) (6,390) 7,526 1,876 52,222 32,818 19,404 9,741 7,960 4,134 13,797 4,291 9,506 242,485 155,760 62,079 207,637 179,021 34,848 17,056 (7,209) (6,390) 7,526 1,876 52,222 32,818 19,404 9,741 7,960 4,134 13,797 4,291 9,506 272,108 165,660 81,618 232,800 196,765 39,308 18,061 (9,339) (11,125) 2,660 1,535 50,690 39,577 11,113 10,670 8,910 4,202 4,646 (3,578) 8,223 272,108 165,660 81,618 232,800 196,765 39,308 18,061 (9,339) (11,125) 2,660 1,535 50,690 39,577 11,113 10,670 8,910 4,202 4,646 (3,578) 8,223 16.4 30.2 (2.2) 10.4 8.9 71.5 28.4 129.7 214.6 (40.5) 215.3 35.6 50.3 0.6 52.7 89.7 1,751.1 8.3 416.3 65.1 16.4 30.2 (2.2) 10.4 8.9 71.5 28.4 129.7 214.6 (40.5) 215.3 35.6 50.3 0.6 52.7 89.7 1,751.1 8.3 416.3 65.1
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DISCLAIMER The information contained in this presentation has been prepared by Türkiye Halk Bankası A.Ş. (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.Ş. 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