Ziraat Bank Financial and Sustainability Overview

Ziraat Bank Lending 1,715 27% Total Loans(1) (TL bn.) SME(2) 13% Corporate 87% Other Tourism Corporate 26% 73% Retail 20% 9% Finance 3% 5% Construction 5% ■TL FX Energy 6% SME(2) 54% Agricultural Loans (TL bn.) 362 76% Market Share Only bank to extend government subsidized agro loans (1) Performing Loans (2) SME customers are classified under commercial segment 9% Service Trade Breakdown of Cash Loans Retail Agriculture Corporate 15% 28% 38% 23% 12% Manufacturing Of business loans, Figures do not include loans extended through foreign branches 47% SME(2) Accruals, intermediated loans of public funds and foreign branch lending are excluded 17

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