Investor Presentaiton

1H22 BRSA CONSOLIDATED EARNINGS PRESENTATION 14 NET COR FARING BETTER THAN INITIAL GUIDANCE NET PROVISIONS excl. CURRENCY (TL bn) CUMULATIVE +78% 2,954 1,656 1H21 1H22 QUARTERLY +8% 1,535 1,419 1Q22 2Q22 *No impact on bottom line as it is 100% hedged NET COR TREND excl. CURRENCY 2.5% 2.3% 2.0% 146bps currency depreciation impact* 1.1% 1.0% 2018 2019 2020 2021 1H22

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