2 3 7.7 7.7 MILLIONS OF CUSTOMER Instant Loan - PowerPoint PPT Presentation

2

    3

7.7 7.7 MILLIONS OF CUSTOMER Instant Loan Application 10+ 10+ 6.4 6.4 Enter the amount Fill out the short Get your Money in form and approve 5 minutes you need digital contracts DIGITAL 4. 4.8 nkolaykredi.com.tr passo.com.tr 3.3 3.3 2 N Kolay Ankara sigortayeri.com 13,75 14,56* 1 Pay with N Kolay QR 0.13 0.13 nkolay.com N Kolay nkolaybono.com Passo Passo Events 2016 2015 PHYGITAL 2014 2020 2017 Banking 2013 2018 2019 Services 2010 2008 Universal N Kolay Stores PHYSICAL Money Transfer Loans & Money Loans & Money Transfer Transfer Services Services via Dealer via PTT Offices Network N Kolay Card N Kolay Ankara Card 4

Selcan Kaytancı Ahmet Erdal Güncan Betügül Toker Filiz Erendaç Kemaleddin Koyuncu Murat Barlas Managing Director Executive Vice President Executive Vice President Managing Director Board Member Executive Vice President Human Resources and Operations Corporate Banking Digital Banking & Payment Systems Legal Counsel Internal Systems Treasury Serdar Sümer, PhD Muzaffer Suat Utku Nalan Aydın Tüfekçi Ufuk Karakaya Atila Yanpar CEO and Board Member Executive Vice President Managing Director Executive Vice President Executive Vice President Financial Institutions Information Technology Subsidiary Management Credit Analytics and Capital Markets Subsidiaries Bayram Yücel Ceyhun Kazancı Ali Gülcan Hakan Özat Haluk Yum Bahadır Tonguç Osman Gencer 5

WE ARE TURKEY’S LARGEST FINTECH PLATFORM Aktif Bank, being the largest privately owned investment bank in Turkey, performs with its subsidiaries and diversified sectors, servicing to 10+ millions of UTILITY BANKING customers through online and offline channels. PAYMENT MONEY TRANSFER ELECTRONIC Performing with SECURITY 1,000 employees, conducting 10 key PRODUCT subsidiaries FACTORY WITH ITS Servicing to 18% SALES CARDS & INSURANCE of total retail MACHINE PAYMENT market customer SYSTEMS in Turkey Partnership service model SPORTS & with 15K client POS ENTERTAINMENT touchpoints TRANSPORTATION 6

SYNERGY AT FINTECH PLATFORM PAYMENT SYSTEMS PRODUCT PARTNER PLACE SINCE Passolig DEBIT Passolig 2014 PREPAID Passolig CREDIT CARD N Kolay WALLET/DEBIT 2017 CARD N Kolay 2018 ANKARA CARD 7

SYNERGY AT FINTECH PLATFORM CORE BANKING PRODUCTS PRODUCT PARTNER PLACE SINCE AKTIF BANK 2009 BOND 2017 BOND 2017 LOAN Bayi 2009 LOAN PTT 2010 LOAN 8

SYNERGY AT FINTECH PLATFORM APPLICATIONS PRODUCT PARTNER SINCE N Kolay 2019 2017 Passo Mobile N Kolay 2018 Ankara Card 9

SYNERGY AT FINTECH PLATFORM SUBSIDIARIES PRODUCT PARTNER SINCE UPT 2014 MONEY TRANSFER N Kolay 2013 PAYMENT INSTITUTION E-Kent 2008 SMART CITY SOLUTIONS Sigortayeri 2013 INSURANCE PAVO 2013 CASHIER SERVICES % ECHOPOS 2016 POS SOLUTIONS SECOMAKTIF 2019 SECURITY SERVICES 10

11

UTILITY BANKING & PAYMENT FINANCE ELECTRONIC MONEY SECURITY TRANSFER CARDS & AKTİF BANK INSURANCE PAYMENT ECOSYSTEM POS BLOCKCHAİN TRANSPORTATION SPORTS & ENTERTAINMENT With the introduction of the PASSOLIG card’s e-ticket PASSOLIG, is the unique e-ticket platform which gives platform, which requires fans to register before Turkish football fans a more convenient, more secure purchasing a ticket, Turkey’s football matches have had way to buy and use match tickets, performing a fewer instances of violence and hooliganism. number of other functions as well. According to user preference, the Passolig Card can be requested as «pre - paid, debit or credit card». 12

UTILITY BANKING & PAYMENT FINANCE ELECTRONIC UNIVERSE WITH NUMBERS SECURITY MONEY TRANSFER CARDS & AKTİF BANK PAYMENT INSURANCE 21 MLN ECOSYSTEM POS BLOCKCHAİN PEOPLE ACCESSED TO THE TRANSPORTATION STADIUMS 31 SPORTS & ENTERTAINMENT CITIES 1.6 MIA CLUBS EARNED Largest issuer of prepaid cards 57 MATCHDAY REVENUE STADIUMS in Turkish Private Banks with 1 MLN 9.8 MLN PASSO.COM.TR VISITORS 60% 5 MATCH TICKET (PER MONTH) 12,227 5.3 MLN CAMERAS CARDS SOLD 2 MLN PEOPLE ACCESSED TO STADIUMS FOR CHAMPIONS LEAGUE AND UEFA 2,074 TURNSTILES EUROPA LEAGUE MATCHES 562 5.6 MLN HANDHELD PASSO MOBILE APP . DOWNLOAD (FROM AUGUST 2017) 13

PASSO MOBILE IS BECOMING THE MOST UTILITY BANKING & PAYMENT FINANCE COMPREHENSIVE ENTERTAINMENT APP IN TURKEY ELECTRONIC MONEY SECURITY TRANSFER CARDS & PAYMENT AKTİF BANK INSURANCE ECOSYSTEM POS BLOCKCHAİN TRANSPORTATION SPORTS & ENTERTAINMENT Entertainment Financial Services Football Related Services Mobile Match Ticket Overdraft (for ticket buying) Entertainment Content E-Ticket Sales N Kolay Loan Event Tickets Passolig Card Application N Kolay Bond Ticket Notifications Top-up 5.6 Follow-up fixtures and League Table Ticket Notifications MLN DOWNLOAD Live Score, Match Centre 14 14

UNIQUE MODEL COMBINING TRANSPORTATION & SHOPPING FEATURES IN ONE PLATFORM: N KOLAY ANKARA CARD UTILITY BANKING & PAYMENT FINANCE ELECTRONIC MONEY SECURITY TRANSFER CARDS & AKTİF BANK INSURANCE PAYMENT ECOSYSTEM POS BLOCKCHAİN FIRST IN TURKEY TRANSPORTATION 590K DOWNLOAD BUS LINE AND CONTACTLESS 640K TRANSPORTATION SHOPPING AND NOTIFICATIONS TRANSPORTATION FEATURES VIA N KOLAY ANDROID DEVICES ANKARA CARD SHOPPING AND CASH VALID IN ANKARA CARD WITHDRAWAL SUBWAYS, BUSES, TOP-UP FEATURES ALL RAILWAYS, EASY HOP-ON AROUND THE WORLD TRAINS, CABLE WITH MOBILE CARS PHONES 15

DIGITAL BANKING UTILITY PAYMENT ELECTRONIC MONEY SECURITY TRANSFER CARDS & PAYMENT AKTİF BANK INSURANCE ECOSYSTEM POS BLOCKCHAİN New generation TRANSPORTATION No paper work, no offline channel retail lending visit, 100% digital platform: Process TRY 1.4 Bln volume generation Instant Loan Application Instant and Fill out the short Enter the amount Get your Money cash loan form and approve you need in 5 minutes digital contracts service by 365 days & 24 hours 16

DIGITAL BANKING UTILITY PAYMENT ELECTRONIC MONEY SECURITY TRANSFER CARDS & PAYMENT AKTİF BANK INSURANCE ECOSYSTEM POS BLOCKCHAİN Full digital retail TRANSPORTATION investment platform: End-to-end digital process 17

DIGITAL BANKING UTILITY PAYMENT ELECTRONIC MONEY SECURITY TRANSFER CARDS & PAYMENT AKTİF BANK INSURANCE ECOSYSTEM POS BLOCKCHAİN TRANSPORTATION N Kolay The first will be a part of Bond App in Everybod y’s Turkey Life • Have Money: Bond, Repo, FX, Crypto Currency • N Kolay Bond buy / sell / order • Need Money: Personal loan, credit card • Customer acquisition • Use Money: Bill payment, shopping, QR and payment transactions 18 18 AKTİF BANK

EASY WAY TO GET PAYMENTS! GO TO NKOLAYODE.COM AND IN JUST 3 MINUTES BECOME A N KOLAY ÖDE MERCHANT! FIRST IRST IN IN TURKEY! 100% Digital DIGITALLY SAVVY COMPANY Because in this company, we have the easiest way of payment via N Kolay OPEN No need POS or any device Opportunity to define any other other bank account As of today, we have already Receiving Payments acquired 600 merchants from 5.3 million Passolig Cardholders Complete the Click Log in payment by «Pay via QR» Passo Pay via scanning QR QR Code button Mobile 19 code

NOW, PAYMENT AND MONEY TRANSFER ACTIONS ARE VERY EASY THANKS TO N KOLAY ! FIRST IN TURKEY! Easy Loan Packages 0% interest rate for 15 days Personal Loan Up to 60 months Innovative & Easy, Fast and Enjoy easy, fast mobile payments at Distinctive Payment commission-free N Kolay Öde merchants! Experience through Money Transfer Smart Phone Complete the Click Log-in payment by «Pay via QR» Pay via Passo scanning QR QR Code button Mobile 20 code 20 AKTİF BANK

FIRST LICENSED PAYMENT INSTITUTION MONEY TRANSFER UTILITY BANKING & PAYMENT FINANCE IN TURKEY YAKLAŞIK ELECTRONIC SECURITY 200 200 CARDS & PAYMENT AKTİF BANK INSURANCE ECOSYSTEM POS BLOCKCHAİN ÜLKEDE AKTİF TRANSPORTATION Sending to Servicing through Transaction volume in 2019 176 8K 950 countries service points mio USD 21

UPT‘S GLOBAL REACH EUROPE ALBANIA GERMANY NETHERLANDS KOSOVO GREECE POLAND AUSTRIA UNITED KINGDOM PORTUGAL BELGIUM HUNGARY ROMANIA BULGARIA ICELAND SLOVAKIA CROTIA IRELAND SLOVENIA CZECH REPUBLIC ITALY SPAIN DENMARK LATVIA SWEDEN ESTONIA LITHUANIA SWITZERLAND FINLAND LUXEMBOURG FRANCE MALTA RUSSIA&CIS AMERICA GEORGIA MOLDOVA UKRAINE ABD UZBEKISTAN TAJIKISTAN BELARUS CANADA KYRGYZSTAN KAZAKHSTAN MONGOLIA RUSSIA AZERBAIJAN ASIA AFGHANISTAN INDIA PAKISTAN BANGLADESH HONG KONG SRI LANKA BAHRAIN IRAQ SUDAN UNITED ARAB UNITED KINGDOM JORDAN EMIRATES QATAR VIETNAM AFRICA CHINA KUWAIT YEMEN INDONESIA LEBANON AUSTRALIA PHILIPPINES MALAYSIA PALESTINE NEPAL ALGERIA CONGO GUINEA MOZAMBIQUE SOUTH AFRICA BENIN D.R. OF CONGO GUINEA BISSAU NIJER SUDAN BURKINA FASO EGYPT IVORY COAST NIJERIA TANZANIA CAMEROON ETHIOPIA KENYA RWANDA TOGO CAPE VERDE GABON MALI SENEGAL TUNUSIA CHAD GAMBİA MAURITANIA SIERRA LEONE UGANDA COMOROS GHANA MOROCCO SOMALIA 22