TEB 31 December 2014

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Grant Patrick
10 years ago
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1 TEB 3 December 04

2 Summary Balance Sheet Source: TEB BRSA Consolidated Financials

3 Summary Income Statement 3 Source: TEB BRSA Consolidated Financials

4 Strong balance sheet growth with continuing commitment to core banking activities 4 Source: TEB BRSA Consolidated Financials

5 SME loans make up almost half of total loans 5 Source: TEB BRSA Bank only Financials

6 NPL ratio maintained below sector averages 6 Source: TEB BRSA Bank only Financials

7 Loan portfolio (*) highly distributed among industries (*) incl. non-cash balance 7

8 Composition of marketable securities 8 Source: TEB BRSA Bank only Financials

9 L/D ratio in line with the sector 9 Source: TEB BRSA Bank only Financials

10 Stable COR with a slight increase in Q4 () 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 quarter-end Loans 0 Source: TEB BRSA Bank only Financials

11 Improvement in margins, C/I under control () Annualized NII / / Avr of past YtD quarter-end Loan and MS for cumulative line / Avr of last quarter-end Loan and MS for quarterly line Source: TEB BRSA Bank only Financials

TEB s Network Kırklareli Bartın Sinop Edirne 84 Kastamonu 6 Tekirdağ İstanbul 3 Zonguldak 3 6 3 Karabük Samsun 3 Kocaeli Düzce Ordu Yalova Sakarya Amasya Bolu Çankırı Çorum Çanakkale Bursa Tokat

12 TEB s Network Kırklareli Bartın Sinop Edirne 84 Kastamonu 6 Tekirdağ İstanbul 3 Zonguldak Karabük Samsun 3 Kocaeli Düzce Ordu Yalova Sakarya Amasya Bolu Çankırı Çorum Çanakkale Bursa Tokat Bilecik Balıkesir 5 Ankara Kırıkkale Eskişehir Yozgat Sivas 6 Kütahya Kırşehir 40 İzmir Aydın Manisa Aydın Muğla Cities with branches 6 3 Uşak Uş Denizli ak 6 Burdur Cities with no branch presence 9 Afyon Isparta Antalya 6 Konya Karaman Aksaray 4 Mersin Nevşehir Niğde Adana 9 Kayseri Hatay TEB is present in 7 cities out of 8 K.Maraş 3 Osmaniye G.Antep 0 Kilis Malatya Giresun Adıyaman G.Hane Bayburt Erzincan Ş.Urfa Trabzon Tunceli Elazığ Rize Diyarbakır Bingöl Mardin Artvin Erzurum Muş Batman Bitlis Siirt Ardahan Şırnak Kars Ağrı Iğdır Van Van Hakkari As of 3//04 Number of Clients: 5,5 million Number of Branches: 55 Total Staff: 0,4 ATM:,635 POS:5,438

13 APPENDIX 3

14 Summary Balance Sheet 4 Source: TEB BRSA Bank only Financials

15 Summary Income Statement 5 Source: TEB BRSA Bank only Financials

16 Ratings of TEB FITCH Rating Outlook Short Term LC F Long Term LC BBB + Stable Short Term FC F3 Long Term FC BBB Stable Individual bbb- National AAA (tur) Stable Support 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 6

A Major Player of the Turkish Financial Services Market BNPP Cardif Insurance A major global player for personal insurance Turkish operations fully owned by BNP ParibasCardif (S&P AA rated),00%

17 A Major Player of the Turkish Financial Services Market BNPP Cardif Insurance A major global player for personal insurance Turkish operations fully owned by BNP ParibasCardif (S&P AA rated),00% subsidiary of BNP Paribas %3 market share in Turkey in protection insurance & pension TEB Factoring 8 % market share as of 3Q 04 TEB Kosovo Operative since January 008, with 5 branches, as of 4Q 04 Loans: 99M Deposits: 34M 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 04 TEB Asset Management 6th largest asset management company with 4.6% market share as of 4Q 04 BNPP Leasing 5th largest leasing company in Turkey with 7.9% market share as of 3Q 04 TEB Investment 7th largest brokerage & investment house of Turkey with 4.% market share as of 4Q 04 TEB Cetelem Consumer finance company in Turkey with 9.5%market share as of 4Q 04 TEB Arval Operative since October 007, 6% market share as of 4Q 04 7

18 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. 8

Summary Balance Sheet. Source: TEB BRSA Consolidated Financials

Summary Balance Sheet. Source: TEB BRSA Consolidated Financials TEB 30 June 03 Summary Balance Sheet Source: TEB BRSA Consolidated Financials Summary Income Statement 3 Source: TEB BRSA Consolidated Financials Strong balance sheet growth, commitment to core banking