TÜRKİYE VAKIFLAR BANKASI T.A.O. Covered Bond Programme (Turkey) Monthly Investor Report: [03/07/2016] to [07/08/2016] Cut-off date: [07/08/2016]

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1 1. PROGRAMME OVERVIEW 1.1 Group Group parent company Group consolidated financial information (link) T. Vakıflar Bankası T.A.O. T. Vakıflar Bankası T.A.O. Rating Rating Watch Outlook 1.2 Fitch BBB- Not on Watch Stable Senior Unsecured rating (group parent company) Moody's Baa3 On Watch Negative S&P N/A N/A N/A 1.3 Covered Bond Issuer Name of the Covered Bond Issuer Country in which the Issuer is based Financial information (link) Information on the legal framework (link) T. Vakıflar Bankası T.A.O. Turkey Covered Bonds Ratings Rating Rating Watch Outlook Covered Bonds Rating Moody's A3 On Watch Negative 1.5 Transaction Parties Role Name Rating (Moody's/S&P/Fitch) Issuer T. Vakıflar Bankası T.A.O. Baa3/BB+/BBB- Security Agent The Bank Of New York Mellon A1/A+/AA- Natixis, London Branch A2/A/A Hedging Counterparties Societe Generale A2/A/A ING Bank, N.V. A1/A/A+ Offshore Account Bank The Bank Of New York Mellon A1/A+/AA- Fiscal & Paying Agent The Bank Of New York Mellon A1/A+/AA- Calculation Agent The Bank Of New York Mellon A1/A+/AA- Registrar, Exchange Agent, Transfer Agent The Bank Of New York Mellon A1/A+/AA- Listing Agent Arthur Cox Listing Services Limited NR/NR/NR Cover Monitor Akis Bağımsız Denetim ve SMMM A.Ş. (KPMG Türkiye) NR/NR/NR 1.6 Outstanding Covered Bonds ISIN Issue Date Currency Issue Amount FX Rate (FX/TL) Issue Amount TL Legal Maturity Date Maturity Yrs Int. rate type Interest rate XS EUR , Fixed 2,375% 1.7 Overcollateralisation Ratios % Legal ("coverage ratio") 2% [Contractual] 20% Current 83,13% 1

2 2. STATUTORY TESTS & EVENTS 2.1 Events Issuer Event Occured Event of Default Occured NO NO Detailed information 2.2 Nominal Value Test 2.5 Net Present Value Stress Test Test date: 08/08/2016 Test date: 08/08/2016 Spot TRY EUR exchange rate (08/08/ CBT) 0,3017 Nominal value of total mortgage assets (TRY) Note: No foreign interest rate stresses are run as neither CBs nor CP assets are based on floating foreign rates minus Nominal value of non-eligible mortgage assets (TRY) 0 Nominal value of eligible mortgage assets (TRY) CPR 10,0% Nominal value of substitute assets (TRY) Prepayment fee (% of notional repaid) 2,0% Nominal value of total cover assets (TRY) Total nominal value of EUR-denominated covered bonds (EUR) Stress Test: TRY swap rates up TRY equivalent nominal of covered bonds (TRY) Nominal value of TRY-denominated covered bonds (TRY) 0 Stressed NPV of mortgage assets (TRY) (inc. prepayment fees) Nominal value of covered bonds (TRY) (taking into account derivatives) Stressed NPV of substitute assets (TRY) Total stressed NPV of cover assets (TRY) Stressed NPV of covered bonds (TRY) (post XCCY) Cash Flow Matching Test Required overcollateralisation 2,0% Test date: 08/08/2016 Stressed NPV of all liabilities (inc XCCY) (TRY) including required overcollateralisation Interest receipts from mortgage assets (TRY) Interest receipts from substitute assets (TRY) Total interest receipts from cover assets (TRY) Stress Test: TRY swap rates down Total payments under EUR-denominated covered bonds (EUR) Stressed NPV of mortgage assets (TRY) (inc. prepayment fees) Total payments under TRY-denominated covered bonds (TRY) 0 Stressed NPV of substitute assets (TRY) Total stressed NPV of cover assets (TRY) Receipts under the XCCY (EUR) Payments under the XCCY (TRY) Stressed NPV of covered bonds (TRY) (post XCCY) Required overcollateralisation 2,0% Total net payments denominated in EUR (inc XCCY) (EUR) 0 Stressed NPV of all liabilities (inc XCCY) (TRY) including required overcollateralisation Total net payments denominated in TRY (inc XCCY) (TRY) Total payments under all liabilities (inc XCCY) (TRY)

3 2.4 Net Present Value Test Test date: 08/08/2016 Stress Test: TRY depreciation NPV of mortgage assets (TRY) (inc. prepayment fees) NPV of mortgage assets (TRY) NPV of substitute assets (TRY) NPV of substitute assets (TRY) Total NPV of cover assets (TRY) Total NPV of cover assets (TRY) NPV of EUR-denominated covered bonds (EUR) NPV of EUR-denominated covered bonds (EUR) NPV of TRY-denominated covered bonds (TRY) - NPV of TRY-denominated covered bonds (TRY) 0 NPV of receipts under the XCCY (EUR) NPV of receipts under the XCCY (EUR) NPV of payments under the XCCY (TRY) NPV of payments under the XCCY (TRY) Total NPV for liabilities denominated in EUR (inc XCCY) (EUR) 0 Total NPV for liabilities denominated in EUR (inc XCCY) (EUR) 0 Stressed spot TRY EUR exchange rate (30% TRY depreciation) 0,21 Spot TRY EUR exchange rate 0,30 Total NPV for liabilities denominated in EUR (inc XCCY) (TRY) 0 Total NPV for liabilities denominated in EUR (inc XCCY) (TRY) 0 Total NPV for liabilities denominated in TRY (inc XCCY) (TRY) Total NPV for liabilities denominated in TRY (inc XCCY) (TRY) NPV of all liabilities (inc XCCY) (TRY) NPV of all liabilities (inc XCCY) (TRY) Required overcollateralisation 2,0% Required overcollateralisation 2,0% NPV of all liabilities (inc XCCY) (TRY) including required overcollateralisation NPV of all liabilities (inc XCCY) (TRY) including required overcollateralisation Stress Test: TRY appreciation Stressed NPV of mortgage assets (TRY) (inc. prepayment fees) Bond Legal Maturity Stressed NPV of substitute assets (TRY) Total stressed NPV of cover assets (TRY) Maturity Outstanding (TL) % of outstanding Less than 1 year NPV of EUR-denominated covered bonds (EUR) years NPV of TRY-denominated covered bonds (TRY) years 3-4 years NPV of receipts under the XCCY (EUR) years % NPV of payments under the XCCY (TRY) 5-10 years Total Maturity % Total NPV for liabilities denominated in EUR (inc XCCY) (EUR) Stressed spot TRY EUR exchange rate (30% TRY appreciation) Total NPV for liabilities denominated in EUR (inc XCCY) (TRY) Total NPV for liabilities denominated in TRY (inc XCCY) (TRY) 0 0,39 0 NPV of all liabilities (inc XCCY) (TRY) Required overcollateralisation NPV of all liabilities (inc XCCY) (TRY) including required overcollateralisation 2,0%

4 3. RESIDENTIAL COVER POOL DATA 3.1 Portfolio Loan Summary Reporting Date Period Start Date Period End Date Number of Mortgage Loans Mortgage Loan Pool Size (TL) ,85% of total amount of cover assets Ineligible Assets (TL) - Interest only Loans - Loans with payment option - Number of Borrower Average Mortgage Loan Balance (TL) Maximum Mortgage Loan Balance (TL) Current Loan-to-Value Limit for Residential mortgage loans 75% Weighted Average Current Loan-to-Value Ratio (Unindexed) 45,90% Weighted Average Interest Rate (%) 9,78% Weighted Average Seasoning (months) 36,31 Weighted Average Term to Maturity (months) 67 Maximum Term to Maturity (months) 189 Expected WAL of cover pool (yrs)* 2,28 Revenue Receipts for the Period (TL) Principal Receipts for the Period (TL) *Based on the portfolio scheduled amortisation profile Substitute Assets Balance (TL) ,15% of total amount of cover assets 3.2 Cover Assets Characteristics Cover Assets Purposes Mortgage Loans ,847% ,998% Cash 0 0,000% 0 0,000% Substitute Cover Assets types 0 0,000% 0 0,000% Government bonds ,153% 1 0,002% Cash 0 0,000% 0 0,000% Other Substitute Assets 0 0,000% 0 0,000% Other Cover Assets 0 0,000% 0 0,000% Total ,000% ,000% 3.3 Arrears and Defaulted Loans Outstanding Current ,384% ,701% Past due 1-30 days ,616% ,299% Past due days 0 0,000% 0 0,000% Past due days 0 0,000% 0 0,000% Defaulted Loans 0 0,000% 0 0,000% 4

5 3.4 Current Loan Balance [ 0 ; [ ,404% ,732% [ ; [ ,067% ,189% [ ; [ ,965% ,540% [ ; [ ,043% ,697% [ ; [ ,927% ,823% [ ; [ ,758% ,033% [ ; [ ,009% ,509% [ ; [ ,169% ,236% [ ; [ ,462% ,067% [ ; [ ,162% 105 0,174% [ ; [ ,035% 1 0,002% [ ; [ 0 0,000% 0 0,000% Over TL 0 0,000% 0 0,000% 3.5 Current LTV [ 0% ; 10% [ ,814% ,489% [ 10% ; 20% [ ,815% ,962% [ 20% ; 30% [ ,014% ,805% [ 30% ; 40% [ ,714% ,315% [ 40% ; 50% [ ,719% ,054% [ 50% ; 60% [ ,465% ,016% [ 60% ; 70% [ ,008% ,639% [ 70% ; 75% [ ,450% 434 0,719% Over 75% 0 0,000% 0 0,000% 3.6 Interest Rate [ 0% ; 5% [ 0 0,000% 0 0,000% [ 5% ; 8% [ ,726% ,746% [ 8% ; 9% [ ,578% ,250% [ 9% ; 10% [ ,971% ,297% [ 10% ; 11% [ ,086% ,049% [ 11% ; 12% [ ,022% ,806% [ 12% ; 15% [ ,589% ,803% Over 15% ,028% 29 0,048% 5

6 3.7 Interest Rate Type Fixed Rate ,000% ,000% Floating Rate 0 0,000% 0 0,000% Other 0 0,000% 0 0,000% 3.8 Seasoning [ 0 ; 12 [ ,001% ,289% [ 12 ; 24 [ ,189% ,707% [ 24 ; 36 [ ,472% ,821% [ 36 ; 48 [ ,233% ,889% [ 48 ; 54 [ ,837% 887 1,470% [ 54 ; 72 [ ,057% ,293% [ 72 ; 96 [ ,200% 296 0,491% [ 96 ; 108 [ ,008% 17 0,028% [ 108 ; 120 [ ,000% 2 0,003% [ 120 ; 144 [ ,004% 5 0,008% [ 144 ; 168 [ 0 0,000% 0 0,000% [ 168 ; 192 [ 0 0,000% 0 0,000% Over 192 months 0 0,000% 0 0,000% 3.9 Year of Origination Weighted Average Term to Maturity ,001% 2 0,003% 52, ,003% 3 0,005% 83, ,002% 5 0,008% 28, ,007% 16 0,027% 22, ,081% 125 0,207% 30, ,430% 507 0,840% 36, ,665% ,589% 53, ,449% ,972% 58, ,364% ,552% 64, ,120% ,794% 75, ,807% ,886% 77, ,071% 674 1,117% 88,37 66,74 6

7 3.10 Term to Maturity [ 0 ; 12 [ ,116% ,088% [ 12 ; 24 [ ,554% ,803% [ 24 ; 36 [ ,565% ,197% [ 36 ; 48 [ ,397% ,279% [ 48 ; 54 [ ,902% ,021% [ 54 ; 72 [ ,894% ,153% [ 72 ; 96 [ ,982% ,814% [ 96 ; 108 [ ,941% ,228% [ 108 ; 120 [ ,495% 799 1,324% [ 120 ; 144 [ ,101% 36 0,060% [ 144 ; 168 [ ,004% 2 0,003% [ 168 ; 192 [ ,050% 18 0,030% Over 192 months 0 0,000% 0 0,000% 3.11 Security Types First Lien Mortgage ,000% ,000% Non First Lien Mortgage 0 0,000% 0 0,000% 3.12 Loan Purpose Purchase ,629% ,757% Re-mortgage ,371% ,243% Construction loans 0 0,000% 0 0,000% 3.13 Payment Type Principal and Interest ,000% ,000% Interest Only 0 0,000% 0 0,000% Other 0 0,000% 0 0,000% 3.14 Prepayment Option Loans with Prepayment option ,000% ,000% Loans without Prepayment option 0 0,000% 0 0,000% 7

8 3.15 Borrower Type Employed ,271% ,284% Retired / Pensioner ,815% ,529% Self-Employed ,914% ,188% Unemployed 0 0,000% 0 0, Regional Distribution Region Name Aegean ,219% ,109% Black Sea ,220% ,952% Central Anatolia ,643% ,912% Eastern Anatolia ,596% ,771% Marmara ,941% ,624% Mediterranean ,748% ,240% Southeastern Anatolia ,632% ,391% City Name Adana ,542% ,311% Adıyaman ,185% 106 0,176% Afyon ,415% 261 0,433% Ağrı ,065% 42 0,070% Aksaray ,196% 149 0,247% Amasya ,409% 267 0,443% Ankara ,383% ,356% Antalya ,820% ,267% Ardahan ,037% 27 0,045% Artvin ,280% 154 0,255% Aydın ,673% 453 0,751% Balıkesir ,594% 420 0,696% Bartın ,147% 103 0,171% Batman ,091% 64 0,106% Bayburt ,081% 48 0,080% Bilecik ,478% 388 0,643% Bingöl ,043% 24 0,040% Bitlis ,148% 89 0,148% Bolu ,342% 245 0,406% Burdur ,096% 73 0,121% Bursa ,783% ,028% Çanakkale ,625% 452 0,749% Çankırı ,384% 289 0,479% Çorum ,398% 326 0,540% Denizli ,410% 283 0,469% Diyarbakır ,230% 649 1,076% Düzce ,146% 88 0,146% Edirne ,526% 365 0,605% Elazığ ,294% 230 0,381% Erzincan ,338% 209 0,346% Erzurum ,613% 344 0,570% Eskisehir ,149% 795 1,318% Gaziantep ,560% 894 1,482% Giresun ,268% 193 0,320% Gümüşhane ,120% 79 0,131% Hakkari ,007% 3 0,005% Hatay ,667% 381 0,632% Iğdır ,082% 51 0,085% Isparta ,183% 121 0,201% Istanbul ,690% ,934% İzmir ,414% ,006% Kahramanmaraş ,210% 159 0,264% Karabük ,454% 288 0,477% Karaman ,272% 229 0,380% Kars ,206% 125 0,207% 8

9 Kastamonu ,263% 183 0,303% Kayseri ,261% 991 1,643% Kilis ,064% 46 0,076% Kırıkkale ,322% 213 0,353% Kırklareli ,628% 471 0,781% Kırşehir ,368% 272 0,451% Kocaeli (İzmit) ,494% ,766% Konya ,725% ,938% Kütahya ,377% 266 0,441% Malatya ,525% 379 0,628% Manisa ,177% 769 1,275% Mardin ,130% 78 0,129% İçel ,694% ,902% Muğla ,504% 280 0,464% Muş ,051% 36 0,060% Nevşehir ,268% 167 0,277% Niğde ,216% 139 0,230% Ordu ,205% 148 0,245% Osmaniye ,537% 328 0,544% Rize ,172% 115 0,191% Sakarya (Adapazarı) ,040% 717 1,188% Samsun ,374% 960 1,591% Şanlıurfa ,275% 145 0,240% Siirt ,081% 54 0,090% Sinop ,255% 158 0,262% Sivas ,852% 563 0,933% Şırnak ,016% 10 0,017% Tekirdağ ,780% 545 0,903% Tokat ,837% 548 0,908% Trabzon ,225% 143 0,237% Tunceli ,160% 89 0,148% Uşak ,249% 163 0,270% Van ,029% 24 0,040% Yalova ,303% 199 0,330% Yozgat ,248% 186 0,308% Zonguldak ,247% 148 0,245% 3.17 City Concentration TOP ,690% ,934% TOP ,090% ,591% TOP ,105% ,150% TOP ,476% ,606% TOP ,172% ,964% 9

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