Investor Presentaiton

Customer acquisition & robust TL Loan growth to support NII Increased focus on customer acquisition to enhance In 2021 2022 Guidance TL Loans Breakdown sustainable revenue generation (net, TL bn,%) YOY Change Sector Market Share (2) Consecutive market share gains in consumer loans 221.5 +30.1% 7.9% reached 160 bps as of 2021 11% 170.3 175 bps in GPL (1), 120 bps in Mortgage, 70 bps in Auto +34.8% 12.0% 11% 27% 24% +44.4% 8.1% Excellence in consumer credit decision systems supported by digital & Al capabilities. +23.9% 7.4% 62% 65% ● Almost 100% automated loan decision process ●Real time analytical insight on customer behavior Gained 30 bps market share in TL business loans YoY ● Led by SME loans, up by 46% YoY TL Loan Growth: ~30% Consumer & SME driven TL loan growth with sustainable profitability and healthy market share gain in focus Customer-oriented new organizational structure ● New competitive products & digital solutions empowering SMEs 29 (1) General Purpose Loan (2) Market share data based on bank only BRSA weekly data as of December 31, 2021 2020 2021 TL Business Banking Consumer Consumer Credit Card Quarterly TL Loan Growth 11% 11% 11% 9% 9% 9% 7% 8% 7% 8% 2% 0% 1Q21 2Q21 3Q21 4Q21 TL Business Banking Consumer Consumer Credit Card AKBANK

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