Investor Presentaiton

Sound fundamentals, well equipped for normalisation Enhanced liquidity LDR 1 Resilient capital 2 LCR Notes: Tier-1w/o forbearance TL 104% 100% 93% 16.2% 15.8% 15.3% Total 85% 82% 78% Tier-1 Capital Buffer³ 575bps 2022 9M23 2023 2022 9M23 2023 Conservative Provisioning Lower Leverage* 505% 160% Highest among peers 4.4% 148% Total LCR FC LCR Total Coverage NPL Coverage 11.6x 9.7x 8.8x 2021 2022 2023 LDR= Loans / (Deposits + TL Bonds); 2. 3 months average; 3. 650 mio USD worth of AT-1 redeemed on 16 January 2024, Tier-1 impact: ~-150bps, 4. Based on Bank-only BRSA financials; 5. Based on 2023 BRSA financials of peers announced so far - 18- YapıKredi

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