2007 : Conclusion of partnership agreement to sell % of shares to BTA (Bank Turan Alem) Group of Kazakhstan

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3 953 : Established in Eskişehir as the Sugar Beet Cooperative Bank 956 : Moved to Ankara and renamed as Şekerbank 970 s : Shifted to full service banking from cooperative banking 980 s : Concentrated in commercial banking 997 : Initial public offering 2002 : Initiated restructuring to change from a traditional commercial bank into multi channel, diversified financial institution based on customer and segment focused applications 2004 : Head Office moved to İstanbul 2007 : Conclusion of partnership agreement to sell % of shares to BTA (Bank Turan Alem) Group of Kazakhstan 2007 : First Corporate Governance rating 200 : IFC and Şekerbank Personnel Social Security Foundation signed an option agreement for IFC purchasing Şekerbank shares up to 5% 20 : Şekerbank shares held by BTA Group transferred to Samruk Kazyna, the National Welfare Fund of Kazakhstan 20-2 : First SME backed Covered Bond issuance in the world 204 : 203 GRI Report (Global Reporting Initiative)

4 * Şekerbank has 32 branches in Turkey, Regional Offices: 3 in Istanbul, 8 regional in Anatolia as of December 3, 204. * Average presence of a branch over 25 years, qualifying Şekerbank as one of the most established and trusted banking brands Kırklareli Sinop Bartın Kastamonu Kastomunu 4 İstanbul Zonguldak Zonguldak Tekirdağ Karabük 3 Artvin Samsun Artvin Edirne Tekirdağ 65 Düzce 2 Ardahan Trabzon 2 Kocaeli 5 Ordu Rize Trabzon 3 6 Yalova Çankırı 4 Bolu Çorum Amasya Amasya Tokat 3 Giresun Tokat G,Hane Bayburt Kars Bayburt Çanakkale Bursa Bilecik 2 4 Ankara Iğdır 2 9 Erzurum Iğdır Balıkesir Kırıkkale Eskişehir 36 Yozgat Erzincan Ağrı Sivas Ağrı 5 3 Kırşehir 2 Kütahya 2 Tunceli Bingöl Muş Nevşehir Manisa Uşak Afyon Kayseri El Uşak Elazığ Malatya Van İzmir Aksaray Konya 6 az Bitlis 2 8 Isparta 8 Niğde K,Maraş ığ Diyarbakır Siirt Aydın Aydın Adıyaman Denizli 4 Batman 3 5 Burdur 4 Adana Şırnak Hakkari Adana Mardin 3 Mardin Muğla Antalya Karaman 6 Osmaniye Ş,Urfa G,Antep Kilis 4 İçel 6 Hatay 3 Rank Banks Provinces* that are covered İşbank/Denizbank 8 2 Akbank 79 3 Garanti 78 4 YKB 74 5 Şekerbank 7 6 ING Bank 7 7 Finansbank 68 8 HSBC 62 9 TEB 7 0 Anadolubank 27 Branches above 0 Branches between 6-0 * Turkey has 8 provinces Branches between 2-5 Single Branch No Branch

5 Asset Structure (Mln TRL) Liability Structure (Mln TRL) 8.67% 6.64% 8.5%.44% 9.92%.46% 69.9% 7.52% 69.7% 0.70%.92% 0.87% Q205 Q204 Q4204 Cash Loans Securities Other 5.07% 4.77% 5.3%.6% 0.65%.29% 9.38% 7.28% 9.68% 64.39% 67.29% 63.90% Q205 Q204 Q4204 Deposits Borrowing Equity Other.33% 8.52% 70.5% Corporate SME Retail

6 Foreign Borrowing Type of Funding Amount Covered Bond (FMO, IFC, EBRD, Private Investors) 83,687,383 USD Subloan (ETDB, EBRD, EFSE, IFC, KfW) 205,06,500 USD Syndication 36,335,650 USD Int'l Trade 23,790,068 USD IFI's (OeEB, EBRD, ETDB, KfW, AFD, TSKB) 35,059,255 USD Funds (ResponsAbility, GGF, GCPF, OPIC) 68,867,047 USD TOTAL 942,755,902 USD

7 International Support to EKOkredi 8.78% 9.44% 6.32% 30.03% MSME Foreign Trade ENERGY EFFICIENCY 35.44% Micro Finance Women in Business Type of Funding FMO KfW GGF GCPF EBRD - TuREEFF OeEB TOTAL Amount 6,250,000 TRY 20,000,000 EURO 25,000,000 EURO 25,000,000 USD 60,000,000 USD 25,000,000 EURO 92,000,000 USD

8 We support society and nature More than USD 200 million financing support disbursed as EKOkredi individuals, 7 thousands MSMES and farmers Prevention of 4 million tons of CO 2 emission residences insulated through financed construction projects. 8.7 billion kilowatt-hours of energy saved

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10 We manage our custumers with a segmentation model based on their banking potential.. 2 million Şekerbank customers.. Corporate & Commercial (45.585) Corporate Commercial Medium Enterprise Agricultural Enterprise SME Banking ( ) Small Enterprise Micro Enterprise Large Farmer Medium Farmer Agricultural Banking (26.605) Craftsmen/ Tradesmen Small Farmer Private Retail Banking ( ) Affluent Mass

11 In light of its segmentation model, Şekerbank focus on kinds of different sectors.. Agri Tourism Construction Retail Energy Energy sector is one of the major areas that Şekerbank has succeeded in

12 We continiously present innovative products and services to the market EKO Kredi Hasat Card My Bank Package «Üreten» Card Family Farming Hero Loan Vodafone Overdraft Supporter POS My Homeland Account Pensioners Memur Sen Producing Check Five Star Tourism Package Producing Loan «Open For Business»

13 Şekerbank EKOkredi loans... Launched in 2009 EKOkredi loans are eligible for; a wide variety of environment friendly investments, for all customer segments; corporate, SMEs, micro business and households EKOkredi loans; Turkey s «Unique» Loan Product for Energy Efficiency longer tenors no fee of commissions favorable rates for encouraging energy efficiency investments, can be tailor made; grace periods, flexible repayment options, annual repayments for seasonal business, Several cooperations with market leaders in insulation, natural gas switching; with solar panel suppliers, with energy efficient lighting and elevator suppliers etc

14 EKOkredi for all needs of energy efficiency in buildings Flat, Roof Systems (Insulation) Solar Energy Systems Natural Gas Conversion Combi Boiler, thermosiphon, air condition, calorimeter Door and Window Systems (Insulation) Fire Protection Kitchen, Bathroom Renovation Internal and Outside Wall Insulation A Class Electrical Equipment

15 Unique and quick application process for Apartment Managements Apartment/Site Managements issue a board decision for insulation Protocol will be signed between Firms which are İzoder members & Apartment Management İzoder* Approves Technical Specification", acc. to TS 825 Thermal Insulation Standards. IZODER* (National Association of Insulation Product Manufacturers), Apartment Management is not responsible for payback. Every flat owner pays their loan installments Loan will be allocated to Apartment Management Apartment manager signs contract and payment plan in the name of flat owners Owners can borrow in different tenors according to their cash flow!

16 We are the first partner of İZODER quality approval... Collaboration with IZODER (National Association of Insulation Product Manufacturers), more than 500 insulation manufacturers are now providing service to Sekerbank EkoKredi customers. Under this collaboration, insulation companies pay a certain up-front commission to Sekerbank; therefore the interest rate paid by the borrower can de reduced.(0% interest rate and no fee applied to customer up to year maturity) Approves Technical Specification", according to TS 825 Thermal Insulation Standards. Provides project control services free of charge on request In case of a disagreement between implementing firm and the customer, the problem is solved by an expert (mediator)

17 Unique model that brings borrower, insulator firm and Şekerbank together in a win-win-win situation Borrower only pays back the principal! No fee or interest rate is charged up to 2 months! 5 Assesment & Disbursement Insulation Association 4 Şekerbank 6 8 Pricing includes an upfront commmission to be paid by İzoder member applier firm at the time of disbursement. 2 Borrower Applier Firm reflects a part of the commission that will be deduced from the disbursement to the price of the service it will provide. 3 7 Applier Firm 9 Deduces commission from taxable income

18 SAMPLE : Avg. heating bill for 00 m2 flat 300 TL Average insulation investment for 00 m2 flat TL Monthly installment amount for TL Ekokredi (30 month period) 33 TL 50% saving in heating bill after insulation 50 TL After paying loan instalments Pay-back period can be changed between 2-5 years according to building s condition.

19 We have done EKOkredi cooperations with market leaders... Insulation materials.. Founded in 988 Heating, renewable energy, electrical water heaters, cooling technology.. Founded in 969 Coming Soon

20 We are always in the field with customer and vendor events

21 EKOkredi for agricultural customers... High energy costs and irrigation problems.. Our country is 7. rank in the world with approximately 3,500 MW of potential geo-thermal heat source and. rank in Europe When using sprinkler and drip irrigation systems instead of conventional methods, soil yield rises up 60% to 90% Agricultural EkoKredi Maturity 60 Months Payment at harvest 00% credit on irrigation equipment loans 75% credit for greenhouse and solar energy systems

22 EKOkredi for Commercial and SME customers.. Via Eko loan we aim to: Provide clean and habitable environment, Finance the projects which protects environment directly and/or indirectly, Reduce consumption of natural resources, Increase energy saving and efficiency, Provide awareness raising about protection of environment among the companies,

23 Features of EKOkredi for Commercial and SME customers Financing needs for investment and working capitals, Comperative Prices, Up to maturity of 8 years, Up to grace period of 2 years, TL / FC Loan type as Spot/ Instalment loan/ Revolving etc.

24 Scope of EKOkredi for Commercial and SME customers - Sustainable energy sources Hydroelectrical Power Plants, Hydroelectricity is a critical source of energy in Turkey and substantial amounts can be generated due to its mountainous landscape and position between three seas. We finance small/medium-size hydropower stations which have minimum negative effect on environment. Wind Power Plant, Turkey has the serious wind energy potential. Wind power electricity generation, contributes to the protection of the ecological balance in the intact Solar Enegy Systems 2- Waste Management (liquid, solid, biogas etc.) 3- Natural Gas (Transformation of natural gas)

25 Scope of EKOkredi for Commercial and SME customers 4- Construction (TuREEFF) Partial Rehabilitation Full Rehabilitation Reconstruction (Urban Transformation) Financing the construction companies which are rebuilding the risky buildings, The new building subject to the loan should be a B Class* building, The project should be assessed /verified by the consultant company assigned by EBRD (*C class is the most common class in Turkey. The purpose of TuREEFF program is to lead the construction companies to raise the standards.) 5- Consumer Durables (TuREEFF Vendor loan) All eligible kinds of energy saving products (Heating/ cooling systems, lighting etc. ) (*Eligible energy saving- products are determined by EBRD) *TuREEFF (Turkish Residential Energy Efficiency Financing Facility) is a programme developed by the EBRD (European Bank of Reconstruction and Development) and supported by CTF (Clean Technology Fund) and the EU (European Union) that aims to provide funds to residential consumers who wish to invest in Energy Efficiency projects in their homes.

26 We support society and nature More than USD 200 million financing support disbursed as EKOkredi individuals, 7 thousands MSMES and farmers Prevention of 4 million tons of CO 2 emission residences insulated through financed construction projects. 8.7 billion kilowatt-hours of energy saved

27 We provide sustainable development EKOkredi was the only project representing finance sector of Turkey on «Rio+20 UN Conference for Sustainable Development» in Rio in 202

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