Investor Presentation Q3 2021

Financial results highlights Q3 2021 YTD Highlights Income Expenses Risk Capital Liquidity Macro Divisional Better/ Income Statement (USD bn) Q3-21 YTD Q3-20 YTD Key Highlights (Worse) Net interest income 3.4 3.7 (6)% • Non-funded income 1.3 1.3 (3)% - Total income 4.7 5.0 (5)% Operating expenses (1.6) (1.6) 2% Pre-impairment operating profit 3.2 3.4 (7)% - Impairment allowances (1.0) (1.7) 42% Operating profit 2.1 1.7 29% Taxation charge and others (0.2) (0.1) (24)% Net profit 2.0 1.5 29% . Cost: income ratio (%) 33.1% 31.8% (1.3)% - Net interest margin (%) 2.51% 2.73% (0.22)% Balance Sheet (USD bn) Total assets Loans 30-Sep-21 31-Dec-20 Inc / (Dec) 190.5 190.2 0% • 119.4 120.9 (1)% Deposits 127.1 126.5 0% CET-1 (%) 16.1% 15.0% LCR (%) 157.2% 165.0% 1.1% (7.8)% • NPL ratio (%) 6.2% 6.2% 0% • Strong Q3-21 results a continuation of recovery with net profit up 29% y-o-y 36% of income from international operations Income momentum offsetting impact of low interest rates - Improved cost of funding from record CASA balances Improved loan mix with record demand for retail financing Strong transaction volumes offset by lower FX & Derivative income Expenses well-controlled with cost to income ratio within guidance Cost of risk of 106 bps at low-end of pre-pandemic range Provisions substantially down 42% y-o-y NPL ratio steady at 6.2% Coverage of 126.7%, highest amongst regional peers Strong Retail and DenizBank loan growth in local currency terms DenizBank loans up 10% in TRY & ENBD up 1% Retail loans up USD 1.4bn YTD Offset by USD 1.1bn of deferral repayments and currency translation Group maintains strong Capital and Liquidity - CET-1 of 16.1%, strongest amongst regional peers LCR of 157.2% reflects healthy liquidity position 13

View entire presentation