September, 2006. Financing Investment in Emerging Markets / Turkey 1

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September, 2006 Financing Investment in Emerging Markets / Turkey 1

Only when the tide goes out, do you find out who is wearing a bathing suit Warren Buffett 2

September, 2006 Financing Investment in Emerging Markets / Turkey 3

CORPORATE BANKING CORPORATE BANKING LOANS (MM USD) $ 5,047 PF CAGR 25% $ 12,148 $ 7,101 $ 359 PF $ 1,184 $ 1,543 2000 2009/03 Distribution of Exposure By Sector in Project Finance (%) Infrastructure 15% FI 2% Automotive 2% Energy 18% Acquisition Finance 35% Real Estate 11% Corporate Syndication 17% 4 26.06.2009 09:27

Strengths & Capabilities Akbank is one of the leading Turkish Banks in financing with its strong financial capacity and know-how. Collaboration capability with strategic financial institutions like IFC, EIB, EBRD, KfW and other International / Commercial banks. The fast pace of change in financial markets necessitates the effective functioning of branch network of financial intermediaries. In this respect, Akbank s 841-branch network with its broad customer base is utilized to find companies that may fit into target profiles of potential investors/bidders. Multinationals Strategic Investors Private Equities 5

Changes in the Turkish Debt Market Terms & Conditions Pre Crisis Borrowers Market Post Crisis Lenders Market Security Mechanisms Non-Recourse or Limited Recourse Financing Full Sponsor Support is Required Maturity Financing availability upto 12 years Limited Financing & Maturtiy Options Debt to Equity As High As 85:15 Typically 60:40 Debt Service Coverage Ratio As Low As 1.0-1.15 Min 1.20-1.50 Refinancing / Early Prepayment Penalty Allowed Allowed at a considerable cost Underwriting & Pricing Deals were Underwritten with a Fixed Price at the Mandate No Underwriting and/or Fixed Price / Strict Market Flex Clauses 6

Changes in the Turkish Debt Market Appetite & Competition Pre Crisis Borrowers Market Post Crisis Lenders Market Market Players Private Equity Funds were Dominating the Market Turkish Conglomerates with Strong International Partners Financial Institutions Investment Enviroment Highly Competitive Market with the Presence of Int. Banks *Highly Leveraged Takeovers & Privatization *Huge Appetite for Greenfield Investments First Tier Turkish Banks & Multilateral Financial Inst. *Limited interest for Greenfield Investments *Appetite shift towards Energy Oriented Privitizations 7

Acquisition Finance ENERJİ YATIRIMLARI ASSAN GALVANİZ OGER TELEKOMUNİKAS YON USD 350 Million PRIVATIZATION OF TÜPRAŞ 2006 USD 40 Million ACQUISITION FINANCE OF STANDARD ALUMINIUM USD 450 Million PRIVATIZATION OF TURK TELEKOM MH PERAKENDECİLİK VE TİC. SOCAR & TURCAS PETROKİMYA A YAPIM RADYO VE TV YAPIMCILIĞI ACQUISITION FINANCE OF MİGROS USD 400 Million PRIVATIZATION OF PETKİM USD 150 Million ACQUISITION FINANCE OF KRAL TV 8

Energy AKSA AKRİLİK SAN. TİC. AKSA AKRİLİK SAN. TİC. ENOVA ENERJİ ÜRETİM AES-IC İÇTAŞ ENERJİ ÜRETİM AKCEZ ENERJİ YATIRIMLARI SAN. VE TİC. ENOVA ENERJİ ÜRETİM USD 50 Million CARBON FIBER CAPEX FACILITY USD 100 Million THERMAL POWER PLANT USD 33 Million HYDRO ELECTRIC POWER PLANT USD 45 Million HYDRO ELECTRIC POWER PLANT USD 175 Million ELECTRICITY DISTRIBUTION SAKARYA REGION PRIVATIZATION 2009 ENERJİSA ENERJİ ÜRETİM AKKÖY ENERJİ ZORLU DOĞAL ELEKTRİK ÜRETİM AŞ. ENERJİSA ELEKTRİK DAĞITIM EUR 252 Million HYDRO AND THERMAL POWER PLANTS EUR 71 Million USD 9 Million AKKOY II & REFINANCING AKKOY 1 USD 180 Million ACQUISITION FINANCE OF HYDRO POWER PLANTS USD 240 Million ELECTRICITY DISTRIBUTION BAŞKENT REGION PRIVATIZATION 2009 9

Real Estate ZORLU YAPI YATIRIM ERMA İNŞAAT YATIRIM VE TİC. APOLLO REAL ESTATE FUND III LP EMAAR PROPERTIES USD 400 Million PRIVATIZATION OF KARAYOLLARI LAND USD 155 Million IKEA BURSA REAL ESTATE DEVELOPMENT EUR 150 Million CARREFOUR ISTANBUL PARK AVM ACQUISITION FINANCE OF LIBADIYE LAND 10

Corporate Syndications & Infrastructure EFES İÇECEK ÜLKER BİSKÜVİ & ÇİKOLATA COCA COLA İÇECEK Akbank Participation USD 39 Million 2006 Akbank Participation USD 110 Million Akbank Participation USD 25 Million BORUSAN HOLDİNG & LOJİSTİK TAV İSTANBUL TERMİNAL İŞLETMECİLİĞİ KOÇ HOLDİNG Akbank Participation USD 65 Million EUR 85 Million ISTANBUL AIRPORT Akbank Participation EUR 75 Million 2009 11