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Investor Presentaiton

33 ESG-linked funding remains key priority Wholesale Funding vs FX Liquidity Buffer (USD bn) Wholesale Funding Maturity Profile (USD mn) 12.6 4Q Avg. FX LCR 364% 2.7 2021 ST portion of Wholesale Funding FX Liquidity Buffer (2) (1) Syndicated loans: c. USD 1.4 bn Total: USD 7 bn Avg. maturity: ~ 3yrs 10NC5 Tier 2 notes have issuer call dates scheduled in 2022 & 2023 & 2026 respectively (4) 1,454 926 974 578 633 579 560 444 518 209 126 29 1Q22 2Q22 3Q22 4Q22 2023 2024 2025 2026 2027 2028 2029 ≥2030 Covered Bond Syndicated Loan (3) Eurobond Tier 2 GMTN Trade Finance Multilateral Green Bond ▸ Total sustainable funding share in wholesale transactions are over 40% Pre-funded USD 500 mn 10NC5 Tier 2 notes in Jun'21 via Sustainable Tier 2 issuance As communicated regularly to our investors, we continuously evaluate opportunities as part of our prudent and diligent liquidity and capital management and to duly take the necessary actions. In this regard, we continuously monitor windows of opportunities to issue debt instruments in Turkish lira or foreign currency, domestically or abroad, including senior and/or Tier 2 issuances. We will promptly inform our investors on any developments accordingly. Balances based on principal outstanding and bank-only MIS data (1) ≤ 1 year tenor (2) Consolidated FX liquidity buffer includes FX reserves under ROM, swaps, money market placements and CBRT eligible unencumbered securities (3) USD equivalent of TL 1.4 bn Covered Bond issuances (4) Call exercise in year 5 is subject to BRSA approval Securitisation AKBANK
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