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Investor Presentaiton

Across the board outstanding fee performance well above FY guidance In 2021 2022 Guidance 36 (1) Based on MIS data Payment Systems (+64% YoY) ► Supported by both acquiring & issuing volume and customer acquisition Bancassurance (+62% YoY) New product launch ▸ Digital Bancassurance sales +105% YoY ⚫ Digital premiums/Total +45 pp YoY (1) Money Transfers (+61% YoY) • Supported by strong volume & effective pricing Consumer Loans (+26% YoY) Across the board market share gains Wealth Management (+15% YoY) ⚫ Ak Asset Management #1 privately owned company with over TL 100 bn TAUM ► Increased customer acquisition & market share with ► new digital services & multichannel marketing Net Fees & Comm. growth: > 35% · Across the board & growth driven New SME initiative with new products & digital solutions Strong positioning in wealth management & continued product innovation Net Fees & Comm. (TL mn) 4,549 34% 6,079 2020 2021 Fees & Commissions Income by product Wealth Management (%) Bancassurance 12 19 Business Loans Money Transfers 7 2021 5 Other •Consumer Loans 45 Payment Systems AKBANK
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