Investor Presentaiton

2021: Delivered high-teens FY ROE exceeding guidance. Summary Generated all time high net income Reached 17.9% ROE & 2.1% RoA with robust 17.2% CAR (1), while setting aside TL 250 mn free provisions Exceeded FY TL Loan growth guidance with across the board market share gains Continued prudent ALM with maturity mismatch focus & proactive security portfolio positioning Outstanding fee performance well above FY guidance Demonstrated strong risk discipline through-the- cycle resulting in better than guided CoC evolution Net Income & Pre-provision Income (TL mn) % YOY Change PPI +67 27,910 12,377 NI +94 Free Provision Adj.NI +83 12,127 16,734 6,760 6,260 2020 Pre-provision Income 2021 Net Income Cumulative RoE & ROA (2) (%) 4Q21 Preserve / gain market share with sustainable profitability in focus 17.9 14.9 RoE 26.2% 12.9 12.8 10.4 10.5 10.9 2.1 9.6 1.8 2022 Strategic Priorities Maintain momentum in customer acquisition while putting customer experience first in all processes 1.6 1.6 1.4 1.4 1.4 1.3 4Q21 RoA 1Q20 1H2O 9M20 2020 1Q21 1H21 9M21 2021 2.8% ▸ Mitigate environmental footprint while increasing positive impact 28 (1) w/o forbearances: Fixing MtM losses of securities & FX rate for RWA calculation to average last 12 month FX rate (2) 2021 FY ROE & ROA adjusted for free provisions are 18.2% & 2.1% respectively ROE ROA AKBANK

View entire presentation