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Investor Presentaiton

Ratings Fitch Ratings Rating Outlook Long Term Foreign Currency B Positive Long Term Local Currency B Stable Short Term Foreign Currency B Short Term Local Currency B Viability Rating b Govern Support ns National Long Term Senior Unsecured Debt A+ (tur) B Stable Moody's Long Term Foreign Currency Deposit Long Term Local Currency Deposit Short Term Foreign Currency Deposit Short Term Local Currency Deposit National Scale Rating Senior Unsecured Debt Rating Outlook B3 Positive B3 Positive Not Prime Not Prime Baa2.tr B3 Positive 15 March 2024: On 8 March 2024, International Rating Agency Fitch Ratings upgraded Turkiye Sovereign rating to "B+" from "B" while revised the outlook upwards to "Positive" from "Stable". Following this upward revision, on 15 March 2024, the rating agency upgraded Yapı ve Kredi Bank's long-term foreign currency deposit rating to "B" from "B-" while revised the outlook upwards to "Positive" from "Stable". Fitch has also upgraded Yapı ve Kredi Bank's long-term Senior Unsecured Debt rating to "B" from "B-". 17 January 2024: On 12 January 2024, International Rating Agency Moody's revised the outlook on Türkiye's Credit Rating from "Stable" to "Positive". Following this change, on 17 January 2024, the rating agency revised the outlook on Yapı ve Kredi Bank's long-term foreign currency deposit, long-term local currency deposit and senior unsecured debt from "Stable" to "Positive", affirming the rating "B3". On 12 January 2024, Moody's has also upgraded Türkiye's FC country ceiling rate from "B3" to "B2" and following that, on 17 January 2024, Yapı ve Kredi Bank's long-term FC counterparty risk rating is upgraded from "B3" to "B2". - 35 - YapıKredi
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