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Investor Presentaiton

2022: Leveraging our strength while carrying out priorities 2022 Guidance Key Drivers Macro assumptions: O~ 30% YE inflation TL Loan Growth ~ 30% FX Loan Growth (in USD) Flattish NIM (swap adj.) ~150 bps improvement Net fees&com. growth. > 35% Opex growth Cost/income (1) NPL (2) ~ Net total CoC (excl. ccy impact) ~ 100 bps Avg. CPI < 33% - 4% 2022 Oct-Oct CPI linker valuation estimate: ~ 30% GDP growth ~ 4% Our robust 17.2% CAR (3) & 12.9% Tier 1 (3) creates ammunition for sustainable profitable growth while providing resilience Consumer & SME driven TL loan growth with sustainable profitability and healthy market share gain in focus Tailor-made solutions for customers' transition to a low carbon economy Asset repricing, contained funding costs & proactive CPI linker positioning to be supportive for NII growth & NIM Improving trend in CIR with solid revenue contribution from all business lines ROE ~ 30% Significant provision build & solid collateral values to limit additional provision need 42 (1) CIR calculation excludes FX gain from hedge position related with stage 1&2 provisions and LYY exposure (2) Including potential write-off & NPL sales (3) w/o forbearances: Fixing MtM losses of securities & FX rate for RWA calculation to average last 12 month FX rate AKBANK
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