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Investor Presentaiton

Controlled and lucrative loan growth through the year 1 TL Performing Loans (TL bln) 57% 19% % 1 FC Performing Loans (US$ bln) -9% 395 2022 521 9M23 Best-in-class TL Loan Yield² among Peers Quarterly (4Q23) Peer-2 Peer-1 Yapı Kredi +1% 619 10.1 8.9 9.1 9.2 7.7 7.6 2023 Bank-only 2022 Loan Breakdown (FX adjusted³) Cumulative (2023) 2023 Peer-2 Peer-1 Yapı Kredi Notes: 1. Loans exclude loans provided to financial institutions; adjusted for the FX indexed loans 2. Credit card related differences adjusted 3. Based on 2020 FX rate and MIS data, Retail loans include individuals, SME and credit cards. Bank-only Bank-only 9M23 2023 Retail Loans Corporate & Commercial Loans 68% 32% 2022 59% 41% 2021 49% 51% - 19 - YapıKredi
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