Investor Presentaiton

2023 Realization: Better than guidance Notes: 2023 Guidance 2023 Realisation TL Loan Growth < 40% 57% Volumes FC Loan Growth Reduction -9% NIM ≥ 5% 5.4% Revenues Fee Growth > 90% 142% Costs Asset Quality Profitability Cost increase < 120% 106% Total CoR ~ 100bps 14bps ROTE Inf. Accounting ROTE¹ > 30% 45% Mid-Low Teens 14.5% All figures are based on BRSA consolidated financials, except for NIM 1. Inflation accounting ROTE: 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 -27- YapıKredi

View entire presentation