Investor Presentaiton

Cost growth contained below guidance, best in class efficiency sustained Operating Costs (TL bln) 23.7 % 106' 48.8 12.1 2022 2023 3Q23 Notes: 1. 2. 123 Based on Bank-only financials, MIS data Adjusted for earthquake related costs 3. Including customer acquisition costs, World points and advertisement 38% % Cost Breakdown¹,2 y/y Regulatory 6% +109% Business Growth³ 34% +161% 16.6 Running 22% +74% 4Q23 HH HR 38% +85% Strong efficiency KPIs Fees / Opex Cost/Avg. Assets 78% 3.2% 2023 - 23 - YapıKredi

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