Investor Presentaiton

Enhancing bottom-line impact through digital transformation DIGITAL ONBOARDING CUSTOMER INTERACTION PERFORMANCE FINANCIAL ENGAGEMENT ~ 20% New to Bank Customer Acquisition via DoB (1) 6.6 mn Active Digital Customers ► More digital-savvy & Younger Mobile penetration: +20 pp higher Number of financial transactions made from mobile:c. 36% higher Customers b/w the ages 18-35: 20% higher share +88% Monthly app login (2) +29% # of mobile customers conducting financial transactions (3) +7 pp Mobile NPS (2) 2x Digital customer x-sell compared to non-digital 84% > GPLs sold through digital channels (3) 52% Credit cards sold through digital channels (3) 53% Bancassurance products sold through digital channels (3) +62% # of financial transactions through mobile (3) ►+25% Payments (3) ►+74% Money transfers (3) +8pp Share of mobile in financial transactions (3) ▸ +6pp share in payments (3) ►+7pp share in money transfers (3) Digital Transformation Journey (1) Since May'21 37 (2) Since the beginning of 2020 (3) YOY AKBANK

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