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Domestic International Details of main borrowings Syndications AT1 Subordinated Transactions ~ US$ 1.35 bln ■ May'23: US$ 201,5 mln and € 353,4 mln, all-in cost at SOFR+ 4.25% and Euribor+ 4.00% for 367 days. 35 banks from 21 countries Social Loan " Nov'23: US$ 359 mln and € 372,5 mln, all-in cost at SOFR+ 3.50% and Euribor+ 3.25% for 367 days. 39 banks from 22 countries Sustainability Linked 4Q23 US$ 500 min outstanding ■ Jan'19: US$ 650 mln market transaction, callable every 5 years, perpetual, 13.875% (coupon rate). PAID ■ Apr 24: US$ 500 min market transaction, callable at 5.25 years and every interest payment date onwards, perpetual, 9.743% (coupon rate) 2Q24 US$ 1.15 bln outstanding Jan'21: US$ 500 mln market transaction, 10NC5, 7.875% (coupon rate)- Basel III Compliant Jan'24: US$ 650 mln market transaction, 10NC5, 9.25% (coupon rate)- Basel III Compliant 1Q24 Foreign and Local Currency Bonds / Bills US$ 1.80 bin Eurobonds ■■Jun'17: US$ 500 mln, 5.85% (coupon rate), 7 years ☐ Mar'19: US$ 500 min, 8.25% (coupon rate), 5.5 years ■Sep'23: US$ 500 mln, 9.25% (coupon rate), 5 years- Sustainable4Q23 Nov 23: US$ 300 mln, 8.75% (yield rate), 5 years- Tap TL 400 mln outstanding Covered Bond PAID Mar'19: Mortgage-backed with 5 years maturity DPRS ◉ Dec'19: Mortgage-backed with 5 years maturity US$ 2.94 bln total outstanding ■■ Sep'23: US$ 714.4 mln and € 100 mln with maturities varying between 5 and 8 years and with 6 different investors Oct'23: US$ 175 mln with 5 years maturity and with 2 different investors >4023] Local Currency Bonds / Bills TL 7.32 bln total 4Q23 4Q23 4Q23 4Q23 ■ Jul'23: TL 762 mln, 6-month maturity Aug'23: TL 1,11 bln, 6-month maturity, ■Sep'23: TL 1,93 bln, 4-month maturity Oct'23: TL 753 mln, 4-month maturity Nov 23: TL 1,27 bln, 4-month maturity) 4Q23 Dec'23: TL 1,49 bln, 3-month maturity 4Q23 ☐ Subordinated Bonds TL 800 mln total - Jul'19: TL 500 mln, 10-year maturity, TLREF index + 193 bps ■ Oct 19: TL 300 mln, 10-year maturity, TLREF index + 130 bps YapıKredi

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