INVESTOR PRESENTATION. BRSA Unconsolidated Financial Statements Highlights

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1 INVESTOR PRESENTATION BRSA Unconsolidated Financial Statements Highlights

2 CONTENTS About Şekerbank 3-7 Background / Milestones Strategy & Mission Ownership Ratings Geographical Coverage Financials of Şekerbank 8-24 Asset-Liability Structure & Key Ratios Loan Structure Securities Funding Structure Foreign Borrowing SME Covered Bond Program Summary of Financials Financials & Ratios Growth Plan Capital Adequacy Liquidity Duration Consolidation Contacts 2

3 BACKGROUND / MILESTONES 953 : Established in Eskişehir as the Sugar Beet Cooperative Bank 956 : Moved to Ankara and renamed as Şekerbank 970 s : Shifted to full service banking from cooperative banking OBJECTIVE 980 s : Concentrated in commercial banking 997 : Initial public offering 2002 : Initiated restructuring to change from a traditional commercial bank into multi channel, diversified financial institution based on customer and segment focused applications 2004 : Head Office moved to İstanbul 2007 : Conclusion of partnership agreement to sell % of shares to BTA (Bank Turan Alem) Group of Kazakhstan 2007 : First Corporate Governance rating 200 : IFC and Şekerbank Personnel Social Security Foundation signed an option agreement for IFC purchasing Şekerbank shares up to 5% 20 : Şekerbank shares held by BTA Group transferred to Samruk Kazyna, the National Welfare Fund of Kazakhstan 20-2 : First SME backed Covered Bond issuance in the world 204 : 203 GRI Report (Global Reporting Initiative) 3

4 STRATEGY & MISSION Community Banking with SME focus Being Close to Customers / product excellence OBJECTIVE Construction Focusing more on housing projects Managing cash flows of projects Financing existing projects Focus on cross selling opportunities Food & Agri Creating a Value Chain from farmers to retailers Focusing on areas with growth potential Data based specialization & providing distinctive products designed for customer needs with regional focus Pursuing close relations with Farmer Unions and other food organizations Tourism Becoming a partner of growing SME s Providing simple and user friendly products Reaching SME via TİM, KOSGEB and other institutions alike Serving tourism establishments, financing renovation, capacity increase and working capital requirements Serving restaurants, bus companies, local tour operations Focusing on cultural, educational, health and winter tourism Responsive to local characteristics and needs Introduces banking services to those who do not have a bank Grows together with its satisfied customers, employees and partners by creating value Gathers strength from its deep-rooted past Supporting Energy Efficieny investments of all segments and sectors Other Sectors Energy, Textiles, IT, Logistics, Chemicals, Manufacturing Reaching sub sectors through the value chain of main sectors SME Operational excellence Developing very Strong Deposit Base Focusing on Product Differentiation, and Cross Selling Expanding Retail Loans with a widespread customer portfolio Retail 4

5 OWNERSHIP Shareholders Share in Capital % Şekerbank T,A,Ş, Voluntary Pension Fund Samruk Kazyna, the National Well-fare Fund of Kazakhstan 382,260,464, ,30,353, BTA Securities JSC 7,638,674, Sugar Beet Cooperatives 940,37, Public Shares (Quoted on BIST) 367,037,254, Şekerbank Pension Fund Started operations in February 965 Consists of 8,402 members (current & retired employees) Income sources of the Personnel Pension Fund are premiums, rental income and income from portfolio investments Total,087,86,884, IFC has 6.02 % from the BIST (Borsa Istanbul) quoted shares. The capital of the Bank has been increased to TRL,58,000 Thousand with the approval of BRSA dated 7 May 205 and numbered

6 RATINGS National Rating Foreign Currency Local Currency Financial Strength Rating Fitch* A+(tur) BB- BB- Moody s A3.tr Ba2 Ba2 D- JCR AA-(Trk) BBB- BBB- *Fitch has upgraded the Outlook from Negative to Stable on 25 March 205. Corporate Governance Rating * *The rating methodology has been changed in 203, In this respect, for the consistency, 202 rating re-evaluated and rated In 204 Sekerbank changed the Corporate Governance rating agency to Kobirate. Between 2007 and 203, Sekerbank is rated by ISS Corporate Services (ICS)** Kobirate*** assigns a rating score of 90.9 to Sekerbank. This rating reflects a very good overall performance of the Bank regarding its current corporate governance structures as measured against the Principles of the Turkish Capital Markets Board. The full report can be reached at: **ICS' works with more than,00 clients located in the U.S., Canada, U.K. Europe and Asia, as well as other established and emerging markets Worldwide. ISS Corporate Services and Institutional Shareholder Services are subsidiaries of MSCI Inc., a publicly traded company, ISS Corporate Services is headquartered in Rockville, MD and also has offices in London and Toronto. ***Established by 5 Turkish members in June 2008 after a two-year preparation period. Kobirate Uluslararası Kredi Derecelendirme ve Kurumsal Yönetim Hizmetleri A.Ş. (Kobirate International Credit Rating and Corporate Governance Service Inc.) is a Local Credit and Corporate Governance Rating Company with a fully-paid share capital of TL 200,000. The Kobirate Credit Rating Methodology, developed at international standards so as to cover the local factors, is systematic. It includes guiding and educating features due to its basic software Perfectrate. It has a parametric infrastructure feature allowing for immediate adaptability of any changes in basic indicators proposed by the Supervisory Authorities. 6

7 GEOGRAPHICAL COVERAGE Şekerbank has 32 branches in Turkey, Regional Offices: 3 in Istanbul, 8 regional in Anatolia as of December 3, 204. Average presence of a branch over 25 years, qualifying Şekerbank as one of the most established and trusted banking brands. Kırklareli Sinop Bartın Kastamonu Kastomunu 4 İstanbul Zonguldak Zonguldak Tekirdağ Karabük 3 Artvin Samsun Artvin Edirne Tekirdağ Ardahan Kocaeli Düzce 5 Ordu Trabzon Rize Trabzon 3 6 Yalova 4 Bolu Çankırı Amasya Amasya 3 Tokat 3 2 Çorum Giresun Tokat G,Hane Bayburt Kars 2 2 Bayburt Bursa Bilecik 4 Çanakkale Iğdır 2 9 Ankara Erzurum Iğdır Kırıkkale Balıkesir Eskişehir 36 Yozgat Erzincan Ağrı Sivas 5 Ağrı 3 Kırşehir 2 Kütahya 2 Tunceli Bingöl Muş Nevşehir Manisa Uşak Afyon Kayseri Ela Elazığ İzmir 6 Malatya Van 2 7 Aksaray Konya 6 zığ Bitlis Diyarbakır Isparta Niğde K,Maraş Siirt Aydın Adıyaman Batman Aydın Denizli Burdur 4 Adana Şırnak Hakkari Adana 3 Mardin Muğla Antalya Karaman 6 Osmaniye Ş,Urfa G,Antep Kilis 4 İçel 6 Hatay 3 Rank Banks Provinces* that are covered İşbank/Denizbank 8 2 Akbank 79 3 Garanti 78 4 YKB 74 5 Şekerbank 7 6 ING Bank 7 7 Finansbank 68 8 HSBC 62 9 TEB 7 0 Anadolubank 27 * Turkey has 8 provinces Branches above 0 Branches between 6-0 Branches between 2-5 Single Branch Branches Branches Branches Branches Branches No Branch 7

8 ASSET & LIABILITY STRUCTURE Asset Structure (Mln TRL) Liability Structure (Mln TRL) 2,549 9,442 2,87 2,549 9,442 2,87 8,67% 6,64% 8,5%,44% 9,92%,46% 69,9% 7,52% 69,7% 0,70%,92% 0,87% Q205 Q204 Q4204 Cash Loans Securities Other 5,07% 4,77% 5,3%,6% 0,65%,29% 9,38% 7,28% 9,68% 64,39% 67,29% 63,90% Q205 Q204 Q4204 Deposits Borrowing Equity Other Ratios LC Assets / Assets 79.39% Loans / Assets 69.9% Securities / Assets.44% Loan Loss Provision Ratio 49.37% NPL Ratio 4.80% Ratios Deposits / Liabilities 64.39% Deposits up to 3 months / Deposits 85.07% LC Deposits / Deposits 60.56% Loans / Deposits 07.46% Borrowings / Liabilities 9.38% Şekerbank Capital Adequacy Ratio 4.45% 2.53% 4.60% Int,Exp, / Int,Income 54.03% 55.75% 53.42% Return on Equity 4.90% 3.00% 0.40% Return on Assets 0.55% 0.32%.3% 8

9 LOANS STRUCTURE Loan Progress by years (Mln TRL) Loan Breakdown by Segments Q205 Q204 Q4204 Cash Non Cash Retail Loans,33% 2,28%,42% 70,5% 68,9% 69,70% 8,52% 8,8% 8,88% Q205 Q204 Q4204 Corporate SME Retail Loan per Branch (Thousands TRL) 70,73% 74,09% 7,79% ,33% 0,96%,49%,79% 3,93%,07%,4% 2,83% 0,67%,96%,09% 2,3% Q205 Q204 Q Q205 Q204 Q4204 General Purpose Mortgage Auto Credit Card Other 9

10 LOANS STRUCTURE con t CUSTOMER SEGMENT TURNOVER NUMBER OF CUSTOMERS OUTSTANDING PORTFOLIO (TRL 000) SEGMENT / TOTAL LOANS CORPORATE > TL 00 mln 680 2,67,279 8,.52% MEDIUM SIZE <TL 00 mln >TL 25 mln 5,039 3,563,023 SME SMALL <TL 25 mln >TL 5 mln 5,33 2,092, % MICRO < TL 5 mln 2,84 4,257,24 RETAIL 25,468,60,05.33% TOTAL 336,728 3,588, %,33% 8,52% 70,5% Corporate SME Retail 0

11 LOANS STRUCTURE con t Cash Loans in Sectors 5% 4% 8% 2% 7% 3% 4% 8% Construction Agriculture Manufacturing Industry Wholesale&Retail Trade Transportation&Comm. Health&Social Serv. Real Estate&Rent Services Other Retail Loans (TRL 000 ) General Purpose,239,572,308,86 Mortgage 25,06 202,98 Auto 20,046,848 Credit Card 92,48 208,328 Other 49,607 34,585 Total,752,479,766,540

12 SECURITIES Breakdown of Securities Q205 Q204 49,63% 50,08% 29,47% 70,3% 0,40% 0,29% AFS Trading HTM AFS Trading HTM Fixed & Floating Securities (mln TRL) 0,00%,26% Q205 30,65% 58,09% CPI Linker Floating Discounted Fixed Rates 2

13 FUNDING STRUCTURE Deposit Progress by Years (Mln TRL) Deposit Maturity Structure 2% % 4% % 89% 86% Q205 Q204 Q4204 Deposit Deposit per Branch (Thousands TRL) Q205 Q204 Q4204 Time Demand Deposit % 65% 59% % 35% 4% Q205 Q204 Q4204 Q205 Q204 Q4204 FC LC Deposits by Segment 70,84% 4,3% 4,85% Time 43,96% 3,60% 42,43% Demand SME Corporate Retail 3

14 FUNDING STRUCTURE con t Borrowings (TRL 000 ) Funds borrowed,53,40,3,630,55,828 Interbank money market takings Istanbul Stock Exchange money market takings Funds provided under repurchase agreements - - -,536,20,032,72,440,582 SME-backed Covered Bond 454,58 79, ,648 Local Bonds 93, ,389 Subordinated Loans 479,070 42,43 436,67 Total 4,75,924 3,359,229 4,70,8 4

15 FOREIGN BORROWINGS Type of Funding Amount Covered Bond (FMO, IFC, EBRD, Private Investors) Subloan (ETDB, EBRD, EFSE, IFC, KfW) Syndication Int'l Trade IFI's (OeEB, EBRD, ETDB, KfW, AFD, TSKB) Funds (ResponsAbility, GGF, GCPF, OPIC) TOTAL 83,687,383 USD 205,06,500 USD 36,335,650 USD 23,790,068 USD 35,059,255 USD 68,867,047 USD 942,755,902 USD 8,78% 9,44% 6,32% 30,03% MSME Foreign Trade Energy Efficiency 35,44% Micro Finance Women in Business 5

16 SME COVERED BOND PROGRAM Aaa Aa Aa2 Aa3 A A2 The first ever Turkish covered bond transaction The first SME backed covered bond in the world SKBNK CB A3 Baa Baa2 Turkey Sovereign Baa3 Ba Şekerbank Ba2 Ba3 B B2 B3 The highest rating ever assigned to any Turkish transaction to date (A3) (International Scale Rating from Moody s) Designed as a program to create a sustainable longer term funding source for the SME portfolio 6

17 SUMMARY of FINANCIALS Assets (TRL 000 ) / / Cash 2,306,08 2,37,64 2,302,0-0.50% 0.7% Loans net 4,90,67 3,904,24 4,655, %.74% Securities 2,464,592,928,67 2,427, %.53% Other,868,6,29,555,802, % 3.64% Total 2,548,938 9,44,577 2,87, %.7% Liabilities (TRL 000 ) / / Deposits 3,875,077 3,083,68 3,538, % 2.49% Borrowings 4,75,924 3,359,229 4,70,8 24.3% 0.4% Equity 2,405,97 2,07,74 2,39,83 6.3% 0.56% Other,092, ,006,086, % 0.55% Total 2,548,938 9,44,577 2,87, %.7% Income Statement (TRL 000 ) / / Net Interest Income 237,82 29, , % % Net Ops. Income 3, ,763,376, % % P&L Before Tax 29,570 2, , % % Period P&L 29,270 5,4 223, % % 7

18 FINANCIALS & RATIOS Profitability (TRL 000) % Fees & Commissions (TRL 000) Interest on Loans 476, ,694 5,9 % 7.04%,9 % Banking Services 64,803 5, % Interest on Securities 38,78 49, % Fees from Non-Cash Loans 6,876 7, % Net Interest Income 237,82 29, % Fees & Comm. Rcvd 8,679 68, % Net Comm. Income 70,39 60, % Fees & Comm. Paid,360 7, % Net Profit 29,270 5, % Net Fees & Comm. 70,39 60, % Funding Ratios , 7, % 28, % 28, Loans/ Deposits TRY Loans/ TRY Deposits 07.46% 06.28% 53.78% 38.62% Cost Ratios Cost/Income 64.34% 63.47% NIM 5.42% 5.54% Cost of Risk FC Loans/ FC Deposits 36.33% 45.03% Cost of Risk.38%.85% 8

19 GROWTH PLAN Growth Plan (Thousands TRL) 204 Realized 205 Projection 206 Projection 207 Projection 205 Growth 206 Growth 207 Growth Loans net 4,655,079 7,680,567 20,253,87 23,22, % 4.6% 4.2% Deposits 3,538,608 5,995,3 8,274,868 20,852,648 8.% 4.3% 4.% Total Assets 2,87,288 25,63,695 28,643,59 32,564, % 3.8% 3.7% Securities 2,427,535 2,792,534 3,83,489 3,629,77 5.0% 4.0% 4.0% Equity 2,39,83 2,72,34 3,097,372 3,569,60 3.4% 4.2% 5.2% Paid in Capital,087,87,25,000,25,000,25, % 0.0% 0.0% Net Interest Income 977,980,78,280,399,478,609, % 8.8% 5.0% Net Fees and Commissions 245,69 29, ,92 385, % 5.57% 4.27% Net Profit 223, ,75 385,03 47, % 36.2% 22.5% ROE 0.40%.4% 3.25% 4.5% ROA.3%.23%.43%.54% 9

20 CAPITAL ADEQUACY The Bank adopts «Risk Indicators» for both the CAR and the Tier I Ratio higher than the regulatory limits set for those. «Risk Indicators» are approved by the Board of Directors: Capital Adequacy : min 3 % Tier I Ratio : min 8 % Capital Adequacy Regulatory Limit Risk Limit min 2% 3% 4.45% 4.60% 3.54% Tier I Ratio min 6% 8%.66%.80% 0.3% 20

21 LIQUIDITY A widespread as well as stable deposit base depicted by roll-over rates as high as 85 % lead to a symmetric structure with regards to the Bank s aggregate cash flow structure: 2

22 DURATION Duration Loans 292 days 258 days Duration Total Assets 97 days 64 days Duration Time Deposits 39 days 44 days Duration Total Liabilities 63 days 64 days Duration GAP 4,5 months 3,5 months 22

23 CONSOLIDATON Company Equity Shareholding Ratio Şeker Securities 30,000,000 TRL 99.04% Şeker Leasing 45,000,000 TRL 54.3% Şeker Factoring 6,000,000 TRL 99.99% Şekerbank Kıbrıs 2,550,000 TRL 96.% Şeker Mortgage Finance 26,000,000 TRL 62.3% Şekerbank International Banking Unit 5,000,000 USD 95.80% Zahlungsdienste GmbH der Şekerbank T,A,Ş, 250,000 EUR 00.00% 23

24 CONTACTS Zeki Önder Executive Vice President International Banking Group Tel: Gülfer Tuncay Global Head of International Banking Group Tel: Investor Relations & Structured Finance Financial Institutions Oya Sarı Ali Kemal Küçükcan Head of IR & Structured Finance Head of FI Tel: Tel: İrem Bulat Berrak Baharoğlu Associate Area Manager Tel: Tel: Deniz Gemicibaşı Assistant Area Manager Tel: Tuğçe Durakçı Rasim Coşar Executive Assistant Assistant Area Manager Tel: /53 Tel:

25 LEGAL NOTICE FOR INVESTORS 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 information purposes only. The financial reports and statements announced by Sekerbank to the public and the relevant corporations are accepted to be the sole material. Sekerbank does not accept any liability whatsoever for any direct or consequential loss arising from any use of this document or its contents due to the misleading information in this document. All estimations contained in this document are the opinions of Sekerbank and can be subject to change without notice. This document can not be interpreted as an advice to the investors and Sekerbank can not be held responsible for the results of investment decisions made on account of this document. This document has been issued specially to the person, whom the document is concerned and may not be reproduced, distributed or shared with third parties for any purpose. 25

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