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Investor Presentaiton

L Argentina T Turkey Hungary Indonesia Mexico 5 4 3 2,4 2,2 2,1 2,0 2 Brazil Russia Canada Czech Rep. China Ireland Netherlands Source: IMF FSI Latest Available Data for Each Country 0 10 5 Ireland Netherlands Indonesia UK 15 30 27 23 23 20 France Brazil Austria Poland Belgium Germany Czech Rep. Capital Adequacy Ratio (CAR) (%) 55 47 45 35 19 19 18 18 18 18 17 17 17 17 16 16 16 15 15 15 15 14 13 13 13 12 Well capitalized, strong banking sector attracts foreign interest Non-performing Loans to Total Gross Loans Greece Turkey Hungary Argentina Japan Mexico Italy Canada Return on Assets (ROA) (%) 50 4.5 39 40 40 1,3 1,2 1,1 1,1 1,0 1,0 0,8 0,8 0,7 0,6 0,6 0,4 0,4 0,4 0,3 0,3 0,3 0,3 0,2 Poland Spain Belgium Austria France USA Germany Italy Portugal India UK Japan Greece 10 -10 0 Canada Argentina Hungary Turkey 30 Spain USA Portugal India China Russia 5 50 -5 Italy Greece 16 16 12 10 10 Ireland Portugal Russia India Spain (NPL) (%) Poland Czech Rep. Hungary Brazil France Mexico■ Turkey Austria Netherlands Belgium Indonesia UK I USA Japan Germany China■ Argentina■ Canada + + 3 3 3 3 N 2 2 N 2 2 T L 0 5 Return on Equity (ROE) (%) 22 21 20 20 18 16 14 14 12 10 10 8 8 8 8 7 7 5 5 544 Mexico Indonesia Czech Rep. China Netherlands Brazil Russia Belgium Spain Poland Austria Ireland France Japan Germany TURKISH WIDEN YOUR WORLD Italy India UK Portugal USA Greece
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