Investor Presentation Q3 2021

Loans and deposits trends Gross Loans by Type (USD Bn) -1% +0% 130 130 129 129 130 Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights Gross loans flat in Q3 on significant demand for retail financing - Another record quarter for personal loans and credit cards Corporate loans down after USD 1.1bn of deferral support repayments in 2021 DenizBank's gross loans up 10% during the year in TRY Deposit mix improved in 2021 with USD 8.2bn increase in CASA - - CASA represents 58% of total Group deposits DenizBank deposits up 10% in TRY Fixed deposits up USD 1.1bn in Q3-21 as Group maintains access to all sources Continued diversification of loan profile at a sector and geographic level DenizBank 23 23 22 22 21 - Retail Islamic* 12 12 12 13 13 Corporate 17 17 17 17 17 79 78 77 78 77 • Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Deposits by Type (USD Bn) 0% 125 126 125 125 127 +2% Gross Loans by Sector (%) Other 4% Agric. 2% Manuf. 4% Trans & Gross Loans by Geography (%) DenizBank 24 23 22 21 21 Services 6% 2 2 2 2 2 Other 44 43 38 35 37 Time Trade 6% Construction & Hotels 6% International 21% Sovereign 33% GCC 3% CASA 56 59 63 66 67 FI & Mgmt Cos 7% UAE 76% Real estate 11% Personal 21% Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 * Gross Islamic Financing Net of Deferred Income 16

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