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 (*) incl. non-cash balance 7

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 (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 10 Source: TEB BRSA Bank only Financials

Improvement in margins, C/I under control (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 11 Source: TEB BRSA Bank only Financials

TEB’s Network TEB is present in 72 cities out of 81 2 1 1 Kırklareli Sinop Bartın Kastamonu 184 2 1 Edirne 6 Tekirdağ 13 1 Zonguldak İstanbul 3 1 1 Artvin Ardahan Karabük 4 6 3 Samsun 3 1 1 Kocaeli Düzce Rize 1 1 Ordu Trabzon Sakarya Yalova Amasya Giresun 2 1 Kars Çankırı Çorum Bolu 2 G.Hane 1 Tokat Çanakkale 2 Bursa Bayburt 2 Iğdır Bilecik Erzurum 43 4 25 1 5 Balıkesir 2 Ağrı Kırıkkale 1 Ankara Sivas Eskişehir Yozgat Erzincan 2 6 1 2 1 2 1 Kütahya Kırşehir Bingöl Tunceli Muş 40 2 1 Manisa 1 7 Van 3 Van 2 Uşak 2 Afyon Nevşehir Elazığ 9 Kayseri 1 Bitlis İzmir Malatya 4 2 1 2 Aksaray Konya 1 Diyarbakır Uş 1 Siirt 1 Aydın 6 Denizli ak Isparta K.Maraş 12 Batman Niğde 2 Adıyaman Hakkari 3 Şırnak Aydın 2 6 Burdur Muğla 1 Mardin Adana Osmaniye Ş.Urfa Karaman 2 26 G.Antep 13 19 Antalya 12 4 10 Kilis Mersin As of 31/12/2014 Hatay 6 Number of Clients: 5,5 million Number of Branches: 551 4 Cities with branches Total Staff: 10,142 Cities with no branch presence ATM: 1,635 POS:115,438 12 12 12

APPENDIX 13

Summary Balance Sheet 14 Source: TEB BRSA Bank only Financials

Summary Income Statement 15 Source: TEB BRSA Bank only Financials

Ratings of TEB 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 2 Support MOODY'S Outlook (*) Rating 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 16

A Major Player of the Turkish Financial Services Market TEB N.V. BNPP Cardif  “Turkish specialist” in the EU Insurance TEB Kosovo market, total asset size is EUR  A major global player for  Operative since January 2008, 503 mio as of 4Q 2014 personal insurance with 25 branches, as of 4Q  Turkish operations fully owned 2014 by BNP ParibasCardif (S&P AA  Loans: € 299M rated),100% subsidiary of BNP  Deposits: € 314M TEB Asset Paribas Management  %3 market share in Turkey in protection insurance & pension  6th largest asset management TEB company with 4.6% market share as of 4Q 2014 TEB Factoring BNPP Leasing  Full range of banking  8 % market share as of 3Q 2014 services  5th largest leasing company in Turkey with 7.9% market share as of 3Q 2014 TEB Investment TEB Cetelem TEB Arval 7th largest brokerage & investment  Consumer finance company in  Operative since October 2007, house of Turkey with 4.1% market Turkey with 9.52%market share 6% market share as of 4Q share as of 4Q 2014 as of 4Q 2014 2014 17 17

Disclaimer 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. 18