Investor Presentaiton

Efficiency Cost to Income Ratio Fee&Commission Income(*) ■Cash Loans 2.1% 3% 7% 11% 1.4% 1.4% 1.2% 1.2% ■ Non Cash Loans 54% ■Banking Services 20% 51% 46% 35% ■ Payment Systems 33% 35% ■ Other Dec/18 Dec/19 Dec/20 Dec/21 Mar/22 24% CIR Cost to Assets ■Insurance Source: Based on consolidated financial statements as of 31 Mar 2022 in accordance with BRSA regulations (*) Fee & Commission Income breakdown based on MIS reports. Alternatif Bank 55 ►Net Fee Income (TL mn) 20 26% 25 Mar/21 Mar/22 28

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