TEB 31 December 2014 Summary Balance Sheet 2 Source: TEB BRSA - - PowerPoint PPT Presentation

TEB 31 December 2014

Summary Balance Sheet

2 Source: TEB BRSA Consolidated Financials

Summary Income Statement

3 Source: TEB BRSA Consolidated Financials

Strong balance sheet growth with continuing commitment to core banking activities

4 Source: TEB BRSA Consolidated Financials

SME loans make up almost half of total loans

5 Source: TEB BRSA Bank only Financials

NPL ratio maintained below sector averages

6 Source: TEB BRSA Bank only Financials

Loan portfolio(*) highly distributed among industries

7

(*) incl. non-cash balance

Composition of marketable securities

8 Source: TEB BRSA Bank only Financials

L/D ratio in line with the sector

9 Source: TEB BRSA Bank only Financials

Stable COR with a slight increase in Q4

10

(1) COR includes specific and general as well as other

provision expenses Cumulative ratio = annualized Provision Exp. (incl.GLLP) / Average quarter-end Loans. Quarterly ratio = annualized Provision Exp. (incl. GLLP) / Average of last 2 quarter-end Loans Source: TEB BRSA Bank only Financials

Improvement in margins, C/I under control

11 Source: TEB BRSA Bank only Financials

(1) Annualized NII /

/ Avr of past YtD quarter-end Loan and MS for cumulative line / Avr of last 2 quarter-end Loan and MS for quarterly line

TEB’s Network

12 12 12

TEB is present in 72 cities out of 81

4

Van Konya Nevşehir Kırşehir Sinop Bartın Çankırı Bilecik Tokat Bitlis Hakkari Şırnak Siirt Karaman Balıkesir Afyon Uş ak Aydın İzmir Edirne Kırklareli İstanbul Tekirdağ Çanakkale Kocaeli Yalova Zonguldak Kastamonu Samsun Ankara Kırıkkale Aksaray Isparta Burdur Antalya Mersin Niğde Yozgat Amasya Ordu Adana Hatay G.Antep K.Maraş Malatya Adıyaman G.Hane Muğla Düzce Osmaniye Kilis Sakarya Bayburt Denizli Aydın Uşak Manisa Bingöl Tunceli Van Muş Ş.Urfa Elazığ Diyarbakır Mardin Batman Erzincan Giresun Trabzon Rize Eskişehir Bursa Kütahya Bolu Sivas Çorum Kayseri Karabük Ardahan Ağrı Iğdır Artvin Kars Erzurum

184 19 1 2 1 2 43 1 6 2 1 2 2 6 4 1 3 2 1 2 5 1 1 40 3 1 1 1 1 2 13 3 2 13 1 3 1 6 4 6 2 2 2 3 1 1 1 1 1 1 1 1 12 2 1 1 2

Cities with branches Cities with no branch presence

26 6 12 2 2 7 2 2 6 1 4 10 9 4 25

As of 31/12/2014 Number of Clients: 5,5 million Number of Branches: 551 Total Staff: 10,142 ATM: 1,635 POS:115,438

13

APPENDIX

14

Summary Balance Sheet

Source: TEB BRSA Bank only Financials

15

Summary Income Statement

Source: TEB BRSA Bank only Financials

Ratings of TEB

16

FITCH

Rating Outlook Short Term LC F2 Long Term LC BBB + Stable Short Term FC F3 Long Term FC BBB Stable Individual bbb- National AAA (tur) Stable Support 2

MOODY'S

Rating Outlook (*) Banking Financial Strength Rating D Stable Long Term FC Bank Deposits Baa3 Negative Short Term FC Bank Deposits P-3 Long Term LC Bank Deposits Baa3 Stable Short Term LC Bank Deposits P-3

17

A Major Player of the Turkish Financial Services Market

17

TEB

Full range of banking services TEB N.V.

 “Turkish specialist” in the EU market, total asset size is EUR 503 mio as of 4Q 2014

TEB Factoring

 8 % market share as of 3Q 2014

TEB Investment

7th largest brokerage & investment house of Turkey with 4.1% market share as of 4Q 2014

TEB Asset Management

 6th largest asset management company with 4.6% market share as of 4Q 2014

TEB Arval

 Operative since October 2007, 6% market share as of 4Q 2014

BNPP Leasing

 5th largest leasing company in Turkey with 7.9% market share as of 3Q 2014

TEB Cetelem

 Consumer finance company in Turkey with 9.52%market share as of 4Q 2014

BNPP Cardif Insurance

 A major global player for personal insurance  Turkish operations fully owned by BNP ParibasCardif (S&P AA rated),100% subsidiary of BNP Paribas  %3 market share in Turkey in protection insurance & pension

TEB Kosovo

 Operative since January 2008, with 25 branches, as of 4Q 2014  Loans: €299M  Deposits: € 314M

Disclaimer

18

The information and opinions obtained in this document have been compiled or arrived at by TEB from sources believed to be reliable, but no representation or warranty is made as to their accuracy, completeness or correctness. All opinions and estimates contained in this document constitute TEB’s judgement as of the date of this document and are subject to change without notice. This document is published for the assistance of the recipients, but is not to be relied upon as authoritative or taken in subtitution for the exercise of judgement by any recipient. TEB does not accept any liability for any direct or consequential loss arising from any use of this document or its contents. This document is strictly confidential and may not be reproduced, distributed or published for any purpose.