Investor Presentaiton

Techfin: Consumer Finance Business financell MILLION TL HANDSET FINANCING BILLION TL 3.9 Investor Presentation 2.8 2.5 Q1 2020 QoQ YOY 3.6 2.4 2.1 0.3 0.4 0.4 Revenue 162.5 (19.2%) (32.8%) Q1 19 Q4 19 Q1 20 Turkcell Contracted Receivables Financell Consumer Loans EBITDA 101.5 (21.0%) (7.2%) EBITDA Margin 62.5% (1.4pp) 17.2pp Net Income 64.3 (36.6%) (21.2%) Declining portfolio due to regulation • Potential further decline expected due to lower handset sales Potential increased CoR on BRSA's resolution on deferral of payments 32

View entire presentation