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Investor Presentaiton

1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 15 SOLID FEE PERFORMANCE REMAINED UPON CONTINUING ROBUST ECONOMIC ACTIVITY NET FEES & COMMISSIONS (TL bn) CUMULATIVE 4.2 7.1 +68% QUARTERLY Loans, +21% 12.3% Other, 3.9 3.2 5.1% NET F&C BREAKDOWN¹ Cash Non-Cash Loans, 11.2% О Global Markets, 10.5% Money Transfer, 14.4% Insurance, 2.5% Payment Systems, 44.0% 1H21 1H22 1Q22 2Q22 HIGHEST FEE BASE supported with diversified fee sources, expanding customer base and broader penetration +120% YoY +68% YoY Money Transfer Cash Loans* +84% YoY Payment System #1 in Acquiring & Issuing Volume 1 Net Fees&Comm. breakdown is based on Consolidated Financials. Garanti Pension premiums are shown under Other Income. * 1H21 base excludes LYY related dividend income
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