Ziraat Bank Financial and Sustainability Overview

Ziraat Bank operating Environment 2022 Latest Period GDP Growth (Annual %) 5.6 4.0 Q2 23 GDP Nominal (USD bn) 906 970 Q2 23 Unemployment (Annual %) 10.5 10.0 Jun.23 CPI (Annual,%) 64.3 47.8 Jul.23 Current Acc. Balance/GDP (%) (5.3) (5.8) Jun.23 Large and Growing Economy Strong Public Finances Budget Balance /GDP (%) (1.0) (3.5) Jul.23 Population 85mn 9.9% 65+ Age Group E= 68.1% 15-64 Age Group 22.0% 0-14 Age Group High Job Creation TURKISH ECONOMY Sound Banking Sector Banking Sector - June 2023 (TL bn) Assets 19,102 Cash Loans(1) 10,391 Securities(1) 3,220 Deposits (1) Shareholders' equity Net Profit (3M) 12,358 1,688 250 NPL 1.6% ROA 3.1% CAR 18.0% ROE 35.0% Young Population, Favorable Demographics Diversified Export Markets 54 Banks (1) Loans include accruals and the loans granted to banks, Deposits include accruals, and the banks' deposits, securities include accruals. 3 Public Banks 26 Private Banks 19 Investment & Development Banks 6 Participation Banks 2

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