Türkiye Halk Bankasi : Halkbank’s total assets exceed 1 trillion TRY

Halkbank's SME loan market share reaches 18%

Halkbank's total assets exceed 1 trillion TRY

At the end of the first half of the year, Halkbank increased its total loans by 53 percent year-on-year to 916.6 billion Turkish lira. Excluding retail loans, the share of SME loans in cash loans stood at 50 percent, while the asset size of the Bank grew by 52.1 percent in the same period, reaching 1.09 trillion Turkish lira. Halkbank CEO Osman Arslan stated that the policy steps taken under the leadership of public banks to improve the investment environment have limited the economic impact around the world and contributed to high value-added production and employment, adding "As our exporters find new commercial opportunities in the changing global supply chain, our Bank continues to offer new financing options to entrepreneurs, investors, tradespeople, artisans, and SMEs."

At the end of the second quarter of 2022, Halkbank increased its total loans by 53 percent year- on-year to 916.6 billion Turkish lira, and its total deposits by 47.3percent to 747.1 billion Turkish lira. Noting that the bank made history by generating a net profit of 4.6 billion Turkish lira and increasing its assets to over 1 trillion Turkish lira in the same period, Arslan said:

"The Turkish economy maintains the balance between public financial discipline and the vitality of commercial life. The policy steps taken under the leadership of public banks to improve the investment environment have limited the recession risks in the European Union and the United States and the global inflationary pressure triggered by the Russia-Ukraine crisis, contributing substantially to high value-added production and employment. As our exporters find new commercial opportunities in the changing global supply chain, our Bank continues to offer new financing options to entrepreneurs, investors, tradespeople, artisans, and SMEs."

Halkbank's tradespeople loan balance rises to 90.6 billion TRY

Emphasizing that the volume of Treasury interest-supported loans provided by Halkbank to tradespeople, artisans, and SMEs has risen even more in this period in line with the Bank's traditional mission, Arslan said: "In the first half, the number of tradesmen using loans has increased by 52 percent year-on-year,and the amount of provided loans has expanded by

126 percent. The tradespeople loan balance of our Bank, which reached 79.9 billion Turkish lira at the end of last year, increased to 90.6 billion Turkish lira at the end of the first half of this year, while the number of tradespeople using loans reached 1.1 million. Excluding retail loans, the share of SME loans in cash loans stood at 50 percent, as Halkbank continued to be

Turkey's leading bank in SME loans."

Productive Women Meetings all around the country

Continuing its activities to encourage women's participation in business and support aspiring women entrepreneurs in line with the principle of equal opportunity, Halkbank launched the second edition of its Productive Women Meetings in Izmir in May 2022. Stating that they have contributed to the development of the women entrepreneurship ecosystem with these events

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held all around the country, Arslan said: "Women entrepreneurs who have succeeded in making their dreams come true and aspiring women entrepreneurs who are chasing their dreams meet at these events to inspire each other with their innovative ideas. Launched in Izmir and continuing in Adana, Diyarbakır, Kocaeli and Rize, these events have made a strong social impact across the country."

Pointing out that Halkbank reached more than 132,000 women entrepreneurs across Turkey with the Women Entrepreneurs Loan Package since the origination of the loan and created a loan volume of 15.1 billion Turkish lira, Arslan said:

"We listen to the demands and expectations of all industries at the meetings with the business word. We see the Productive Women Meetings as an opportunity to listen to women entrepreneurs and understand the support they need to develop their businesses. This year's events are also highlighted by cooperatives with many women among their ranks. We organize Brand Training for cooperatives with Halk Akademi with the idea that branding should be given priority at cooperatives. At these events, which host experts in the field, we provide training on branding, marketing, social media, and selecting the right product and market."

350,000 TRY in loans to entrepreneurs under 35

Noting that all young people who want to produce, transform their production into value, and create new jobs are invited to these meetings, Arslan said:

During this period, we offered our customers new products such as the Secure Digital Payment

System, Teknokent Support Package, and the Green Energy Loan Package, which supports environmentalist steps against the global climate crisis. We have contributed to the development of the entrepreneurship ecosystem through six different entrepreneur models, namely the Young, Brave, Master, Techno, People, and Tradespeople Entrepreneur loans. With this product, which addresses a wide range of entrepreneurs from young university graduates to seasoned professionals looking to establish their own businesses, we have enabled our 33,000 entrepreneurs to benefit from 5.9 billion Turkish lira in funding. Halkbank supports all young people to help them start their own businesses. Our new products appeal to graduates who lack professional work experience in their respective fields and want to start or have already started their own businesses in their fields. We offer the young entrepreneur loan to entrepreneurs under 35 with a maximum limit of 350,000 Turkish lira with a 60-month repayment term."

Halkbank takes its sustainability operations to the next level

Stating that Halkbank, which also has a "Sustainability Committee," has taken its vision in this field to the next level by joining the United Nations Environment Programme Finance Initiative, Arslan said:

"With a strong sustainability track record, our Bank has committed to harmonizing all its operations with net-zero emission targets by 2050 in line with the Paris Climate Agreement

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and has joined the Net-Zero Banking Alliance convened by the United Nations Environment Programme Finance Initiative. We attach great importance to this global effort to raise awareness of climate change. Halkbank is proud to do its part for the future of the planet."

HALKBANK SUMMARY FINANCIAL STATEMENT

					Million TRY
	June 2021	2021	June 2022	June 2022-June 2021
	YoY Change	YoY Change (%)
Total Assets	716,515	901,217	1,089,907	373,392	52.1
Securities	167,683	223,301	291,989	124,306	74.1
Cash Loans	464,886	539,588	661,198	196,313	42.2
Non-Cash Loans	134,028	190,941	255,354	121,325	90.5
Total Loans	598,914	730,529	916,552	317,638	53
Deposits	507,254	625,904	747,073	239,819	47.3
Shareholders' Equity	42,077	43,5	67,125	25,049	59.5
Net Income for the	123	1,508	4,6	4,477	-
Period
Rediscounts included.

Rediscounts and gross non-performing loans are included in cash loans.

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