Investor Presentaiton

Macro environment and banking sector Macro Environment Banking Sector - Private Banks 2021 2022 2023 2021 2022 2023 GDP Growth (y/y)¹ 11.4% 5.5% 4.7% Loan Growth (ytd) 40% 52% 51% TL 27% 76% 52% CPI Inflation (y/y) 36.1% 64.3% 64.8% FC (USD) -9% -15% -7% CAD²/GDP³ Cust. Deposit Growth (ytd) 58% 59% 61% -0.9% -5.4% -4.6% TL 28% 152% 83% Budget Deficit/GDP³ -2.6% -0.9% -5.4% FC (USD) 1% -20% -13% NPL Ratio 4.0% 2.7% 2.1% USD/TL (eop) 12.98 18.70 29.40 CAR4 19.6% 21.6% 20.3% 2Y Benchmark Bond Rate (eop) 22.7% 8.8% 39.7% ROTE 17.4% 48.2% 39.1% Notes: All macro data as of December 2023 unless otherwise stated Banking sector volumes based on BRSA weekly data as of 29 December 2023, CAR and ROTE based on BRSA monthly sector as of December 2023 As of 9M23 CAD indicates Current Account Deficit as of November'23 1. 2. 3. 2023 GDP Forecast 4. CAR includes regulatory forbearances - 36 - YapıKredi

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