Investor Presentaiton

Staging and coverages Total Coverage 5.9% 5.2% 4.4% 2022 9M23 2023 Note: Based on Bank-only BRSA financial 1. SICR: Significant Increase in Credit Risk Stage III Stage II Stage I 0.9% 0.9% 0.7% Coverage 83% 84% 86% 2022 9M23 2023 19.2% 16.9% 14.8% Coverage 49% SICR1 13.2% 12.2% 11.4% 5% Past Due 47% Restructured 2022 9M23 2023 2023 Coverage 76.1% 70.0% 70.5% 3.4% 3.4% 3.0% 2022 9M23 2023 - 42 - YapıKredi

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