Investor Presentaiton

Quarterly expansion in TL loan-deposit spreads thanks to remarkable ALM Revenues 1,2 (TL bln) Core Revenue Margin³ 10.8% 8.2% +33% 9.10% 135 NIM Evolution³ (cumulative) -370bps Notes: 101 112 Core 94 23 8 Other 2022 2023 -223bps 6.85% +146bps 1.46% 5.39% -12bps -175bps -106bps 2022 NIM Core NIM CPI linkers Securities Repo & Borrowings Other 2023 NIM CC Fees/IEAS NIM inc. CC fees TL Loan – Time Deposit Spread 34 (quarterly) - TL Loan Yield TL Time Deposit Cost 4Q22 1Q23 2Q23 3Q23 4Q23 TL Loan Yield TL Loan - Deposit Spread 34 (quarterly) TL Deposit Cost 4Q22 1Q23 1.Revenues and other revenues exclude ECL collection income and trading income to hedge FC ECL 2. Core Revenues = NII + swap costs + net fee income 3. Based on Bank-Only financials, 4. Adjusted for credit cards 2Q23 3Q23 4Q23 - 21- YapıKredi

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