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

2

3

4

DIGITAL PHYSICAL

2018

PHYGITAL

2019

7.7 7.7

MILLIONS OF CUSTOMER

N Kolay Pay with N Kolay QR

10+ 10+

N Kolay Ankara N Kolay Ankara Card Passo nkolaybono.com

6.4 6.4

2017

4. 4.8

2016

Loans & Money Transfer Services via Dealer Network N Kolay Stores passo.com.tr

2

2014

sigortayeri.com

1

2013

Loans & Money Transfer Services via PTT Offices Universal Money Transfer

0.13 0.13

2010

Banking Services

2008

nkolaykredi.com.tr

3.3 3.3

2015

Passo Events nkolay.com

N Kolay Card

2020

5

Subsidiaries

Serdar Sümer, PhD

CEO and Board Member

Filiz Erendaç

Managing Director Legal Counsel

Betügül Toker

Executive Vice President Digital Banking & Payment Systems

Ahmet Erdal Güncan

Executive Vice President Corporate Banking

Kemaleddin Koyuncu

Board Member Internal Systems

Murat Barlas

Executive Vice President Treasury

Selcan Kaytancı

Managing Director Human Resources and Operations

Atila Yanpar

Executive Vice President Credit Analytics and Capital Markets

Muzaffer Suat Utku

Executive Vice President Financial Institutions

Nalan Aydın Tüfekçi

Executive Vice President Information Technology

Ufuk Karakaya

Managing Director Subsidiary Management

Haluk Yum Hakan Özat Ali Gülcan Bayram Yücel Ceyhun Kazancı Bahadır Tonguç Osman Gencer

6

Performing with 1,000 employees, conducting 10 key subsidiaries Servicing to 18%

• f total retail

market customer in Turkey Partnership service model with 15K client touchpoints

SPORTS & ENTERTAINMENT

MONEY TRANSFER

INSURANCE BANKING CARDS & PAYMENT SYSTEMS ELECTRONIC SECURITY POS TRANSPORTATION UTILITY PAYMENT

PRODUCT FACTORY WITH ITS SALES MACHINE

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 customers through online and offline channels.

PRODUCT PARTNER PLACE SINCE

Passolig

DEBIT 2014

Passolig

PREPAID

Passolig

CREDIT CARD

N Kolay

WALLET/DEBIT CARD 2017

N Kolay

ANKARA CARD 2018

SYNERGY AT FINTECH PLATFORM PAYMENT SYSTEMS

7

SYNERGY AT FINTECH PLATFORM CORE BANKING PRODUCTS

PRODUCT PARTNER PLACE SINCE BOND 2009 BOND 2017 LOAN 2017

Bayi

LOAN 2009

PTT

LOAN 2010

8

AKTIF BANK

PRODUCT PARTNER SINCE

N Kolay

2019

Passo Mobile

2017

N Kolay Ankara Card

2018

SYNERGY AT FINTECH PLATFORM APPLICATIONS

9

PRODUCT PARTNER SINCE

UPT

MONEY TRANSFER 2014

N Kolay

PAYMENT INSTITUTION 2013

E-Kent

SMART CITY SOLUTIONS 2008

Sigortayeri

INSURANCE 2013

PAVO

CASHIER SERVICES 2013

ECHOPOS

POS SOLUTIONS 2016

SECOMAKTIF

SECURITY SERVICES 2019

SYNERGY AT FINTECH PLATFORM SUBSIDIARIES

%

10

11

With the introduction of the PASSOLIG card’s e-ticket platform, which requires fans to register before purchasing a ticket, Turkey’s football matches have had fewer instances of violence and hooliganism. PASSOLIG, is the unique e-ticket platform which gives Turkish football fans a more convenient, more secure way to buy and use match tickets, performing a number of other functions as well. According to user preference, the Passolig Card can be requested as «pre-paid, debit or credit card».

12

CARDS & PAYMENT

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UNIVERSE WITH NUMBERS

Largest issuer of prepaid cards in Turkish Private Banks with

5

60%

CARDS & PAYMENT SPORTS & ENTERTAINMENT

57 STADIUMS 9.8 MLN MATCH TICKET 12,227 CAMERAS 2,074 TURNSTILES 562 HANDHELD 31 CITIES 21 MLN PEOPLE ACCESSED TO THE STADIUMS 1.6 MIA CLUBS EARNED MATCHDAY REVENUE 2 MLN PEOPLE ACCESSED TO STADIUMS FOR CHAMPIONS LEAGUE AND UEFA EUROPA LEAGUE MATCHES 5.6 MLN PASSO MOBILE APP . DOWNLOAD (FROM AUGUST 2017) 5.3 MLN CARDS SOLD 1 MLN PASSO.COM.TR VISITORS (PER MONTH)

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PASSO MOBILE IS BECOMING THE MOST COMPREHENSIVE ENTERTAINMENT APP IN TURKEY

14

Football Related Services Financial Services Entertainment

5.6

MLN DOWNLOAD

Mobile Match Ticket E-Ticket Sales Top-up Follow-up fixtures and League Table Ticket Notifications Live Score, Match Centre Passolig Card Application Overdraft (for ticket buying) N Kolay Loan N Kolay Bond Entertainment Content Event Tickets Ticket Notifications

15

UNIQUE MODEL COMBINING TRANSPORTATION & SHOPPING FEATURES IN ONE PLATFORM: N KOLAY ANKARA CARD

ANKARA CARD TOP-UP BUS LINE AND TRANSPORTATION NOTIFICATIONS EASY HOP-ON WITH MOBILE PHONES

590K

DOWNLOAD

FIRST IN TURKEY

VALID IN SUBWAYS, BUSES, RAILWAYS, TRAINS, CABLE CARS CONTACTLESS SHOPPING AND TRANSPORTATION FEATURES VIA ANDROID DEVICES SHOPPING AND CASH WITHDRAWAL FEATURES ALL AROUND THE WORLD

640K

N KOLAY ANKARA CARD

CARDS & PAYMENT

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No paper work, no offline channel visit, 100% digital Process TRY 1.4 Bln volume generation Instant and cash loan service by 365 days & 24 hours

New generation retail lending platform:

Enter the amount you need

Fill out the short form and approve digital contracts

Get your Money in 5 minutes

Instant Loan Application

BANKING DIGITAL

17

End-to-end digital process

Full digital retail investment platform:

DIGITAL BANKING

18 AKTİF BANK

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The first Bond App in Turkey N Kolay will be a part of Everybody’s Life

• N Kolay Bond buy / sell / order
• Customer acquisition
• Have Money: Bond, Repo, FX, Crypto Currency
• Need Money: Personal loan, credit card
• Use Money: Bill payment, shopping, QR and payment

transactions

DIGITAL BANKING

GO TO NKOLAYODE.COM AND IN JUST 3 MINUTES BECOME A N KOLAY ÖDE MERCHANT!

EASY WAY TO GET PAYMENTS!

Log in Passo Mobile Complete the payment by scanning QR code

FIRST IRST IN IN

TURKEY!

Receiving Payments from 5.3 million Passolig Cardholders No need POS

• r any device

Opportunity to define any other

• ther bank account

100% Digital

As of today, we have already acquired 600 merchants

19

OPEN

Click «Pay via QR» button

Pay via QR Code

DIGITALLY SAVVY COMPANY

Because in this company, we have the easiest way of payment via N Kolay

20 AKTİF BANK

Log-in Passo Mobile Complete the payment by scanning QR code Click «Pay via QR» button

Pay via QR Code

Enjoy easy, fast mobile payments at

N Kolay Öde merchants!

Innovative & Distinctive Experience Payment through Smart Phone Easy, Fast and commission-free Money Transfer

FIRST IN

TURKEY!

Easy Loan Packages

0% interest rate for 15 days

Personal Loan

Up to 60 months

NOW, PAYMENT AND MONEY TRANSFER ACTIONS ARE VERY EASY THANKS TO N KOLAY!

20

21

Sending to

176

countries

FIRST LICENSED PAYMENT INSTITUTION IN TURKEY

MONEY TRANSFER

YAKLAŞIK

200 200

ÜLKEDE AKTİF

Transaction volume in 2019

950

mio USD Servicing through

8K

service points

22

AMERICA

ABD CANADA ALGERIA BENIN BURKINA FASO CAMEROON CAPE VERDE CHAD COMOROS CONGO D.R. OF CONGO EGYPT ETHIOPIA GABON GAMBİA GHANA GUINEA GUINEA BISSAU IVORY COAST KENYA MALI MAURITANIA MOROCCO MOZAMBIQUE NIJER NIJERIA RWANDA SENEGAL SIERRA LEONE SOMALIA SOUTH AFRICA SUDAN TANZANIA TOGO TUNUSIA UGANDA

AFRICA

ALBANIA KOSOVO AUSTRIA BELGIUM BULGARIA CROTIA CZECH REPUBLIC DENMARK ESTONIA FINLAND FRANCE GERMANY GREECE UNITED KINGDOM HUNGARY ICELAND IRELAND ITALY LATVIA LITHUANIA LUXEMBOURG MALTA NETHERLANDS POLAND PORTUGAL ROMANIA SLOVAKIA SLOVENIA SPAIN SWEDEN SWITZERLAND

EUROPE

AFGHANISTAN BANGLADESH BAHRAIN UNITED ARAB EMIRATES CHINA INDONESIA PHILIPPINES PALESTINE INDIA HONG KONG IRAQ UNITED KINGDOM QATAR KUWAIT LEBANON MALAYSIA NEPAL PAKISTAN SRI LANKA SUDAN JORDAN VIETNAM YEMEN AUSTRALIA

ASIA

GEORGIA UZBEKISTAN KYRGYZSTAN RUSSIA MOLDOVA TAJIKISTAN KAZAKHSTAN AZERBAIJAN UKRAINE BELARUS MONGOLIA

RUSSIA&CIS

UPT‘S GLOBAL REACH

23

7,851

ŞOK SERVICE POINT

TURKEY'S LARGEST PAYMENT INSTITUTION

N KOLAY STORES

588

CUSTOMER TRAFFIC

48

MİO

3,545

KIOSKS Invoice Payment Money Transfer Credit Card Payment Prepaid GSM Top-up Match Tickets N Kolay Loan Application Subscription Transactions

UTILITY PAYMENT

63.5 68.6 69.5 70 71.3 34

Transactions (Mln)

2015 2016 2017 2018 2019 2020 Q2

2 6 9 11 12.8 7.7

Ebitda (TRY Mln)

2015 2016 2017 2018 2019 2020 Q2

24

LEADING SYSTEM INTEGRATOR AND OPERATION COMPANY IN TURKEY

9

MLN SMART CARDS

1

BILLION TRANSACTIONS PER YEAR

ULAŞIM

Besides Passolig and N Kolay Ankara Operations; E-Kent develops and

• perates Automated Fare

Collection Systems in partnership with Ankara, Bolu, Düzce, Kahramanmaraş, Kütahya, Kilis and Aksaray Municipalities as a solution partner.

25

THE LARGEST LOCAL INSURANCE AND REINSURANCE BROKER IN TURKEY

Operations in Turkey and near by 15 countries

The largest local insurance and reinsurance broker company operates with multiple distribution channels

INSURANCE

Turkey’s innovative insurance broker Sigortayeri, in addition to its

• nline and mobile distribution channels, signed partnership deals

with the leading players in the retail industry for kiosk services, integrating its insurance capability into customer-based ecosystems. Sigortayeri supports clients with segment-specific solutions as an experienced team in insurance solutions and risk management, industrial insurance lines, EPC projects, CAR & Ear, Solar Energy, ED&T, financial lines and employee benefit insurances in local and international markets.

AC ACTIVE IVE IN IN 15 15 C COUN UNTRIS IS 15 39 73 56 82 34 43,6 91 160 153 220 74

2015 2016 2017 2018 2019 2020 Q1 Revenue Bonus INSURTECH AWARD IN PSM 2019 COMPETITION WITH DASKMATİK

ACT CTIVE I E IN 15 C COU OUNTRI TRIES ES 1 M 1 MLN+ LN+ CUSTOMER Q2

26

PAVO SELLS 1 OF EVERY 4 SMART POS

Desktop Cash Register

Drawing from its vast expertise in cash register systems, PAVO

• ffers its services to customers

through POS devices across Turkey, and more than 99K value-added applications and software integration.

25%

MARKET SHARE IN TURKISH POS DEVICES MARKET

EASIEST FASTEST LIGHTEST

POS

95 187 224 228 230

POS Devices Sold (pcs-thousand)

2016 2017 2018 2019 2020Q2

2.5 9.53 16.8 17.2 7,2

Net Turnover (TRY Mln)

2016 2017 2018 2019 2020Q2

27

NEW GENERATION SOLUTIONS FOR SMEs

We expand to 4.1K stores by providing VASs including utility bill payment, electronic game pin, GSM top-up and money transfer. So, every store in the chain becomes a retail branch through "shop-in-shop" concept.

81

CITIES

4,137

RETAIL STORES Purchasing instead of Renting New Generation Software Architecture Windows-Based Flexible Integration Structure Real Time and Two - Sided Communication Managed by Web and Mobile Campaign and Loyalty Card Management

POS

28 AKTİF BANK

HIGHEND ELECTRONIC SECURITY

SECOM 50% AKTİF BANK 50%

Shareholding Ratio

Head Office Location Istanbul, Turkey Establishment February 2019 (estimated)

OUR NEW JOINT VENTURE: SECOMAKTIF

28

Secom Aktif Yatırım A.Ş. will manage the operating company to provide high-quality electronic security service for residence, SMEs, large companies, and public sector throughout Turkey.

Security services for residences and enterprises

ELECTRONIC SECURITY

29 29

BANKING & FINANCE

With its know-how and expertise, Aktif Asset Management offers efficient return alternatives to investors through mutual funds that has been founded and managed with investment strategies developed for different risk/return expectations, and offers solutions for meeting the needs arises from different investment

• preferences. With its venture capital and real estate funds, it build an investment platform for investors to

benefit from the high growth potential of the real sector and assets.

TRY

1.9

BLN

ASSET UNDER MANAGEMENT

OVER

50K

INDIVIDUAL AND CORPORATE INVESTORS

INVESTMENT OPPORTUNITIES WITH SH

WITH SHORT, ORT, MID AND MID AND LONG LONG TERM TERM MATURIT MATURITIES IES

30

OTHER SUBSIDIARIES AND PARTNERSHIPS

31

PRODUCT IN THE FIELD OF Leading company in Turkish real estate and construction industries The first “Financial Leasing” company in Kazakhstan operating in accordance with Islamic finance principles The first Islamic financial leasing company to become operational in Russia The first and only “Islamic investment company” on the island of Cyprus

OTHER SUBSIDIARIES IN OUR UNIQUE PLATFORM

32

Total number of points Aktif Bank offers its products & services: 7,281

BUILDING THE LARGEST LARGEST BRANCH BRANCH NET NETWO WORK RK WITHOUT BUILDING NEW BRANCHES

Total number of branches of 3 major banks: 3,695

Head Offices

=1,024

PTT Branches

=2,799

Franchise offices

=238

4,061 Service Points

560

USED CAR DEALERS

Furniture Consumer Durable Goods GSM Terminals Household NG installation Automotive

3,220 Stores

Credit Insurance

Bond Money Transfer

Largest service

network nationwide Access to 70% of consumer durables market thanks to strategic partnerships

Established with the partnership of Aktif Bank and Sistem Global Consultancy in 2018. Focuses on consulting R&D and technology based SMEs and start- ups for their sustainable growth with proper strategical business selections and routes Developed the first ever Letter of Guarantee and credit option as the pre-financing tool for R&D projects: Argefinans Main service fields;

• To consult the companies for their

maximum benefitting from governmental incentives and supports,

• Business law and financial management

consultancy,

• M&A,
• Intellectual property rights management

and patent valuation,

NEW GENERATION CONSULTANCY COMPANY IN GROWTH STRATEGIES FOR SMES AND START-UPS

OTHER SUBSIDIARIES AND PARTNERS

33

34

35 AKTİF BANK

35

Beyond standard banking services, we offer tailor-made

investment products with our CMB licensed portfolio managers

We keep on our efficiency focused growth with 4 times higher AUM volume compared to the sector. We offer one-to-one investment consulting service with our experts for our valuable customers.

PRIVATE BANKING

*Private banking year based

35

4.2X

GROWTH

2.6 11 AUM

(TRY BLN) 2014*-2020

891 10K

# OF CUSTOMERS

12x

GROWTH 2014*-2020

AKTİF BANK

36

Turkey’s First Gold Linked Sukuk Issuance Turkey’s First Bank Bond Issuance Turkey’s First Digital Bank Bond Issuance Turkey’s First ABS Issuance Turkey’s First Project Financing Sukuk İssuance Turkey’s First Credit Linked Note Issuance TSPB Awards - The Most Creative Capital Market Project Award (N Kolay Bond) 2018 Bonds & Loans Awards – Structured Finance Deal of the Year 2018 2019 Stevie Awards - Innovation of The Year (N Kolay Pay Platform) The Banker - Deals Of The Year - Islamic Finance Deal of the Year in Europe 2018 Islamic Financial News - Sukuk Deal of the Year 2017 Bonds & Loans Awards – Structured Finance Deal of the Year 2017 Bonds & Loans Awards – Islamic Capital Markets Deal of the Year 2016 Trade Finance – Deals of the Year – The Most Innovative Deal of the Year 2015 The Banker – Deals of the Year - Islamic Finance Deal of the Year in Europe 2014

THE FIRSTS WE INTRODUCED THE SECTOR GAINED GLOBAL AWARDS

PRIVATE BANKING

36

2020 Stevie Awards - Best Customer Service Strategy (N Kolay Bond)

• First Mudarabah Sukuk
• Issuance of a Local Company
• at International Markets
• Advisory and Intermediary Service to

Turkey’s Biggest ABS Issuance, (TRY 4.1 Bln)

• Turkey’s first Sukuk Issuance on

Electricity Infrastructure 2020 Asian Banking & Finance Awards – Innovative Project

• f the Year (N Kolay Bond)

37

• TRY 3 Bln Loan for 17

Football Clubs

• Stadium Financing
• Passolig Synergy
• Ekolig Report
• Sports Financing

Certificate Programs

• USD 158 Mln Placement
• USD 17.1 Mln Non-Cash

Loans

• 37 Renewable Energy

Projects

• Long term project finance

which funds SEP , WPP , GPP and HPP installations

• TRY 100 Mln Placement
• Agricultural Value Chain –

Cotton Financing

• Projects supported by

TUBITAK and BSTB

• Training and consultancy

services for farmers and

• perators
• We provide various services

such as L/C, L/G, CAD, CAG to

• ur customers from all over

the world.

• More than 1K correspondents

in 143 countries

• Foreign trade limits in favour
• f 500+ banks around the

world

CORPORATE BANKING

38

We are the only Turkish Bank which has made an agreement with Afrika Import - Export Bank (AfreximBank) to develop strategic cooperation. We signed a "Warranty Agreement" worth 1 bln USD in order to easily realise the import and export transactions of our customers. We have correspondent relations with 361 banks in 45 African countries.

We intermediate 500 mln USD worth foreign trade volume yearly

AFRICA’S BANK ANK AKT AKTIF IF BANK ANK

AKTİF BANK

39

* BRSA Standalone Figures

BANKING & FINANCE

2020 Q1 Aktif Bank Peer Group Sector Return on Average Equity (ROAE)

25.2% 9% 11.7%

Return on Average Assets (ROAA)

2.9% 1% 1.2%

Non-Performing Loans (NPLs%)

3.8% 8.7% 5.5%

12K

Aktif Bank

200

Sector

58 tim

times NUMBER BER OF CU CUSTO STOMER ER PER PER EM EMPLO PLOYEE YEE

AKTIF BANK (SOLO) Main Financial Assets* - TRY Mln 2020 Q2 2019 2018 2017 Total Assets 18,310 17,856 13,517 11,106 Total Loans 9,268 7,914 7,214 6,909 Securities Issued 7,520 6,159 4,384 2,783 Shareholders' Equity 2,211 1,956 1,508 1,235 Operating Income 615 1,001 801 811 Net Interest Income 443 538 447 575 Net Profit 263 342 263 178

Main Financial Ratios Return on Average Equity (ROAE)

25.2% 19.7% 19.2% 15.6%

Return on Average Assets (ROAA)

2.9% 2.2% 2.1% 1.7%

Non-Performing Loans (NPLs %)

3.4% 3.9% 3.7% 2.7%

Aktif Bank in Figures Headcount

729 714 660 656

361 361K

Aktif Bank

152K 152K 2.4 times

PR PROFI FIT PER PER EMPLO EMPLOYEE EE (TRY)

Sector

40

AKTIF BANK

BANKING & FINANCE

13.8% 14.9% 13.5% 10.8%

25% 20% 15% 10% 15% 0%

ROAE ROAE

8.8% 11.2% 15.6% 19.2% 19.7% 10.6% 11.7% 25.2%

Aktif Bank 2020Q2 2015 2016 2017 2018 2019 Sector Average

1,479 2,553 3,520 5,104 6,262 7,560 9,538 11,106 13,517 17,856 18,310

2010 2012 2014 2016 2018 2020Q2

CAG CAGR

28 28.6 .6%

Tot

• tal

al Asset ets (TRY Mln)

41

8K

BANKING & FINANCE

(*) Based on BRSA Solo Independent reports.

CONSOLIDATED PROFIT EVOLUTION (MLN TRY) COST & INCOME RATIO (*)

26 98 234 382 411

50 100 150 200 250 300 350 400 450

2015 2016 2017 2018 2019

8%

65.7% 61.8% 43.2% 43.8% 37.7% 28.5%

0,0% 10,0% 20,0% 30,0% 40,0% 50,0% 60,0% 70,0%

2015 2016 2017 2018 2019 2020Q2