Investor Presentaiton

Consolidated balance sheet TL bln 2022 9M23 2023 9/9 y/y - Assets Bank Only Other Assets 4 Total Assets 1,184 1,678 1,863 11% 57% 10% Loans¹ 584 770 890 16% 52% 3 Other IEAS 16% TL Loans 395 521 619 19% 57% FC Loans ($) 10 9 9 1% -9% Loans 50% Securities 250 386 417 8% 67% TL Securities FC Securities ($) Customer Deposits 158 248 266 7% 68% 5 5 5 2% 5% Securities 23% 695 984 1,076 9% 55% TL Customer Deposits 377 562 617 10% 64% FC Customer Deposits ($) 17 15 16 1% -8% Liabilities Bank Only Borrowings 219 317 366 16% 67% SHE 10% TL Borrowings 24 23 25 9% 2% FC Borrowings ($) 10 114 11 12 8% 11% Shareholders' Equity 126 162 179 10% 42% Other 6 12% Assets Under Management 135 206 238 15% 76% Money Markets 3% Loans/(Deposits+TL Bills) 85% 78% 82% Customer Deposits 58% CAR² 18.1% 17.8% 16.9% Tier-1² 16.2% 15.8% 15.3% 5 Borrowings 14% Common Equity Tier-1² 14.7% 14.2% 13.8% Bank Notes: 1. 2. Loans indicate performing loans excluding loans provided to financial institutions. TL and FC Loans are adjusted for the FX indexed loans Excluding regulatory forbearances Deposits 2% 3. Other interest earning assets (IEAs) include Balances with the Central Bank Turkey, banks and other financial institutions, money markets, factoring receivables, financial lease receivables 5. 4. Other assets include investments in associates, subsidiaries, joint ventures, hedging derivative financial assets, property and equipment, intangible assets, tax assets, assets held for resale and related to discontinued operations (net) and other 6. Borrowings: include funds borrowed, marketable securities issued (net), subordinated loans. Intragroup funding / Total exposures is limited to cash excluding Business Related (i.e. Trade Finance), Repos and loro/nostro accounts Other liabilities: other provisions, hedging derivatives, deferred and current tax liability and other - 38 - YapıKredi

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