Investor Presentaiton

Sustainable best-in-class profitability, highest ROTE for the 4th year in a row Net Profit (TL bln) % +29% 68 ROTE 57% 45% 53 2022 2023 Pre-provision Profit¹ (TL bln) +11% 86 78 20% 12% 2020 2021 RoA 1.7% 1.1% Inf Acc. Adj.²: 14.5% 2022 2023 5.4% 4.5% 2022 2023 2020 2021 2022 2023 Notes: 1. PPP (Pre-Provision Profit): NII+ Fees + Opex + Net Trading + Subsidiary & Dividend income - ECL hedge - collections 2. Inflation accounting ROTE: CPI-linker valuation at year-end inflation (64.8%) and 2022 stated SHE. 11.5%, if 2022 SHE restated with 2023 purchasing power - 17- YapıKredi

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