Investor Presentaiton

58 Gross Loan Sector Breakdown Other (1) 17.2 • Services 2.0 Consumer Loans (3) 23.7 Petrochemicals Distribution 2.1. Retailer 2.9 Financially strong sponsors ▸ Nation-wide supermarket chains with high business volume Tourism 3.3. Well-known brands Textile & Ready-made 3.5 - Transport Vehicles & Sub-industry 3.5 Food 3.6 Metal & Fabricated Metal Products 3.6 Energy Generation 8.2 100% of PF loans since 2016 are renewable 84% of PF energy generation loans are renewable ▸ c. 60% are government guaranteed (feed-in tariff) Real Estate 7.8 ► LTV c. 80%, with recent valuations & assuming Decree 32 to be implemented perpetually (despite 2 yr limitation) c. 20% of total has FX cash collateralization Conglomerate 5.8 Finance 4.9 Construction 3.9 c.70% in FX c. 80% of FX loans are government guaranteed (debt assumption) Transportation & Logistics 3.9 A Increasing business volume in logistics with changing shopping habits High capacity docks in different locations Financially strong companies with high and stable cash flows SME (2) loans' share in total gross loans ~ 6% (TL 23.6 bn) Consists of consolidated performing and non-performing cash loans & excludes leasing receivables and adjusted for financial assets measured at fair value through P&L (1) Loan concentration below 2% (2) According to MIS segmentation (3) Including credit cards. AKBANK

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