TEB

31 March 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

Retail & SME loans make up almost 80% 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

7

(*) incl. non-cash balance

Share of marketable securities maintained around 8% of

total assets

8

Source: TEB BRSA Bank only Financials

Shift to alternative funding slightly increasing the L/D

ratio, in line with the sector

9

Source: TEB BRSA Bank only Financials

Normalization in COR in comparison to last year

10

(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

Source: TEB BRSA Bank only Financials

Quarterly improvement in margins reflected on the C/I

11

Source: TEB BRSA Bank only Financials

(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

TEB’s Network

12

As of 31/03/2014

Number of Clients: 5,5 million

Number of Branches: 547

Total Staff: 10,085

ATM: 1,598

POS:114,643

TEB is present in 72 cities out of 81

12

Cities with branches

Cities without branches

Cities where new branches opened during 2013 & 2014

12

4

Van

Konya

Nevşehir

Kırşehir

Sinop Bartın

Çankırı

Bilecik

Tokat

Bitlis

Hakkari Şırnak

Siirt

Karaman

Balıkesir

Afyon

Uş ak

Aydın

İzmir

Edirne

Kırklareli

İstanbul Tekirdağ

Çanakkale

Kocaeli

Yalova

Zonguldak

Kastamonu

Samsun

Ankara Kırıkkale

Aksaray

Isparta

Burdur

Antalya

Mersin

Niğde

Yozgat

Amasya Ordu

Adana

Hatay

G.Antep

K.Maraş

Malatya

Adıyaman

G.Hane

Muğla

Düzce

Osmaniye

Kilis

Sakarya

Bayburt

Denizli Aydın

Uşak

Manisa

Bingöl Tunceli

Van

Muş

Ş.Urfa

Elazığ

Diyarbakır

Mardin

Batman

Erzincan

Giresun Trabzon

Rize

Eskişehir

Bursa

Kütahya

Bolu

Sivas

Çorum

Kayseri

Karabük Ardahan

Ağrı

Iğdır

Artvin

Kars

Erzurum

186

19

1

2

1

2

43

1

6

2

1

2

24 3

2

6

4

1 3

2

1

2 5

1

1

41

3

1 1

1

1

2

13

3

2 13

1

3 1

6

4

5

2

2

2

3

1

1

1

1

6

1

1

1

1

12

2

1

1

1

25

10

2

2

7

2

2 6

1

4

10

8

13

APPENDIX

14

Summary Balance Sheet

Source: TEB BRSA Bank only Financials

15

Summary Income Statement

Source: TEB BRSA Bank only Financials

Ratings of TEB

16

17

A Major Player of the Turkish Financial Services Market

17

TEB

Full range of banking

services

TEB N.V.

“Turkish specialist” in the EU

market, total asset size is EUR

582 mio as of 1Q 2014

TEB Factoring

9% market share as of 4Q 2013

TEB Investment

5th largest brokerage &

investment house of Turkey

with 4.0% market share as of

1Q 2014

TEB Asset

Management

9th largest asset management

company with 4.0% market

share as of 1Q 2014

TEB Arval

Operative since October 2007,

5,3% market share as of 1Q

2014

BNPP Leasing

6th largest leasing company in

Turkey with 7.2% market share

as of 4Q 2013

TEB Cetelem

Consumer finance company in

Turkey with 5.7%market share

as of 1Q 2014

BNPP Cardif

Insurance A major global player for

personal insurance

Turkish operations fully owned

by BNP ParibasCardif (S&P AA

rated),100% subsidiary of BNP

Paribas

%3 market share in Turkey in

protection insurance & pension

TEB Kosovo Operative since January 2008,

with 25 branches, as of 1Q

2014

Loans: €290M

Deposits: € 311M

Disclaimer

18

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.