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Investor Presentaiton

0 5 5 15 10 35 30.9 30 25.1 25 28.2 23.7 21.9 20.6 18.9 19 20 18 17.9 18.4 16.6 16.3 16.8 17.3 15.3 15.6 15.6 Sound and Solid Banking System with a Significant Potential for Growth Banking Sector: Capital Adequacy Ratio (%) Target Rate 12 % Legal Limit 8% Capital Adequacy Ratio in Selected EM's (%, Sep 2019) 2019 (P) 60 70 110 100 90 90 80 50 50 56 56 40 20 24 22.5 21 19.6 18.7 18.4 18.3 18.1 18 17.9 17.9 17.4 18 15.7 15.2 18 17.5 16 14 12 11.5 10 8 14.1 15 13.3 CO 6 12.6 12.2 6.0 4 12 2 0 9 Brazil Hungary Thailand Malaysia Mexico Korea 21 Source: BRSA, TURKSTAT, IMF-FSI, TKYB Economic Research China Chile India Russia 2002 2003 2004 2005 2006 2007 5551 50 50 57 59 102 102 102 97 94 92 81 82 83 78 68 62 62 2010 2011 2012 Turkish Banking Asset Size / GDP (%) 2013 2014 2015 2016 2017 2018 2019 (P) 4.7 3.7 3.5 3.7 5.3 3.7 2.7 2.9 2.8 2.9 3.1 3.2 3.0 3.9 50 5.0 Banking Sector: NPL Ratio (%) 2014 2015 2016 2017 2018 2019 (P) DEVELOPMENT INVESTMENT BANK OF TURKEY 106
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