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Investor Presentation

May 2020

Ziraat Bank – More Than a Bank

157 years of banking

legacy

More than 36 mn.

customers

Strong Local and

International

Franchise

Fully State Owned

Well Diversified

Funding Base

Sustainable Growth

Customer Oriented

Balance Sheet

Sound Capital

Structure

Prudent Risk

Management

11

Total Assets Cash Loans Non-CashLoans

Deposits Equity

2

Ziraat Bank – Undisputed Leader of Turkish Banking Sector

Turkish EconomyTotal Assets 4,873

Cash Loans(1) 2,949

Securities 747

Total Deposits(1) 2,916

Shareholders’ equity 500

Net Profit 16

ROAE 12.6%

ROAA 1.3%

Capital Adequacy Ratio 17.9%

Market Shares

• Cash Loans

16%

• Total Assets

14%

• Deposits

17%

Q1 20

2012

#1

Rankings (2)

(1) Loans include accruals and the loans granted to banks, Deposits

include accruals, and the banks’ deposits, securities include accruals.

(E) 2020-2022 NEP Forecast

(2) Rankings are among top 7 Banks. The banks are determined as of unconsolidated assets for March

2020 and include: Ziraat Bank, İş Bank, Garanti Bank, Akbank, Yapı Kredi, Halkbank and Vakıfbank

Source: BRSA, Publicly available Earnings Reports for peer banks

Turkish Banking Sector (Mar. 20)

#2 #5 #7 #1 #4

2018 2019

GDP Growth (%) 2.6 0.9

GDP Nominal (USD bn) 784 754

Unemployment (Annual %) 11.0 13.7

CPI (Annual,%) 20.3 11.8

Current Acc. Balance/GDP (%) (3.5) 0.2

Budget Balance /GDP (%) (1.9) 2.9

Germany

Subsidiaries

International Branches

Bosnia & Herzegovina**

KazakhstanRussia

Azerbaijan

Turkmenistan

Uzbekistan

Montenegro

UK

Georgia

Bulgaria

Saudi Arabia

Turkish Rep. of

Northern CyprusIraq

Kosovo

Greece

Bahrain

3

Ziraat Bank – Ziraat Finance Group

Local Subsidiaries

Ziraat Katılım Bankası (Participation Banking)

Ziraat Yatırım (Securities Brokerage & Investment House)

Ziraat Portföy (Asset Management)

Ziraat GYO (Real Estate Investment Trust)

Ziraat Teknoloji (IT)

Ziraat GSYO (Venture Capital Investment Trust)

Overseas Subsidiaries

Ziraat Bank Int. AG (Germany)

Ziraat Bank BH. (Bosnia)

Ziraat Bank Montenegro

Ziraat Bank Azerbaycan

Ziraat Bank Moscow

KZI Bank (Kazakhstan)

Turkmen Turk JSC Bank

UT Bank (Uzbekistan)

Ziraat Bank Georgia

Overseas Branches

United Kingdom

Greece

Bulgaria

Iraq

Saudi Arabia

Kosovo

Bahrain

Turkish Republic of Northern Cyprus

Correspondent banking

relation with

1,775 banks in the world

from more than 145countries

Presence in

18 countries,

107 service points

Ziraat Bank – Local Subsidiaries

ParticipationBanking

Startedoperations on 29

May 2015.

TL 39.8 bn of asset size

TL 31.6 bn of loan book

96 branches

Merged withZiraat Leasing on

1 March 2019

SecuritiesBrokerage

UnderwroteTL 14.6 billion private sectorbond and bill

issues.

Total tradingvolume of

TL 1,017.7 bnfixed income and

repo

AssetManagement

Manages 19

mutual funds and 75 pension funds. The company has 101 private and

25 corporate customers.

The total volume of assets

managed by the company is

TL 54.6 billion as of December

2019.

IT

2nd largest

software

developer in

Turkey (2015).

Holding both ISO

9001 Quality

Management

System and ISO

27001

Information

Security

Management

System

certifications

Real EstateInvestment

Trust

Founded in November 2016. Istanbul Finance Center premisesin the portfolio

Venture CapitalInvestment

Trust

Founded in November 2018 with TL 750 mn

capital.

Description The Bank’s Risk Group Share (%)Total Assets

(TL mn)

Shareholders’ Equity

(TL mn)

Ziraat Yatırım Menkul Değerler A.Ş. 99.6 402,1 239,6

Ziraat Portföy Yönetimi A.Ş.* 99.8 130,2 117,2

Ziraat Katılım Bankası A.Ş. ** 100 39.785,5 3.249,3

Ziraat GYO 100 2.752,1 1.828,6

Ziraat GSYO 100 878,9 877,4

Ziraat Teknoloji A.Ş. 100 81,8 22,2

GSYO

*Ziraat Portföy Yönetimi A.S. purchased %100 shares of Halk Portfoy Yonetimi A.S. and Vakıf Portfoy Yonetimi A.S. as of 28/12/2018 and later, as of 31/01/2019

Halk Portfoy Yonetimi A.S. and Vakıf Portfoy Yonetimi A.S. merged as a single entity under the name of Ziraat Portfoy Yonetimi A.S.

** Ziraat Finansal Kiralama A.S. was merged with Ziraat Katılım A.S.

As of 22 April 2020, the Bank has sold its insurance subsidiary Ziraat Sigorta A.Ş. and pension subsidiary Ziraat Hayat

ve Emeklilik A.Ş. to Turkey Wealth Fund. 4

Ziraat Bank – Overseas Subsidiaries

Active in Germany for fifty-

one years,supplies an

extensive array of retail and

corporate banking products and

services throughnine branches.

The first entirely foreign-owned

bank in Bosnia-Herzegovina.

Serves corporate,small-business,

and retailcustomers through 30

branches/offices

Opened its doors for business in

July 2015.Headquartered in

Montenegro’s capital Podgorica, the bank has one

branchlocated in the

same city.

Commencedoperations in July

2015. Mainlyserves the

corporate banking segment, ZiraatBank AzerbaijanASC conducts its

operations through its

headquarters office in Baku and İçerişehir branch.

Commencedoperations in

1993, focusingprimarily on the

corporate banking segment.

The country’s first foreign-owned

financialinstitution in

1993. The bank serves retail and

corporate customers

through branches located in the

cities of Almaty, Astana, Aktauand Shymkent.

Founded in 1993. Headquartered in

Ashgabat, provides servicesfrom 5 offices and

one exchangeoffice

Branches in Operu and

Yunusabad.

Active in both retail and

commercial banking

Established in May 2017 by

transforming thebranches in

Georgia to a newsubsidiary.

Ziraat Bank

Int. AGZiraat Bank

BH. Ziraat Bank

Azerbaycan

Ziraat Bank

MoscowKZI Bank Turkmen Turk

JSC Bank

Ziraat Bank

Uzbekistan

JSC

Ziraat Bank

Georgia

Ziraat Bank

Montenegro

Description (City/ Country)The Bank’s Risk Group

Share (%)

Total Assets

(TL mn)

Shareholders’

Equity (TL mn)

Ziraat Bank International A.G. Frankfurt / GERMANY 100 8.518,5 1.807,7

Ziraat Bank BH d.d. Sarajevo / BOSNIA HERZEGOVINA 100 3.709,2 238.2

Ziraat Bank (Moscow) JSC Moscow / RUSSIA 100 711,9 266,0

Kazakhstan Ziraat Int. Bank Almaty / KAZAKHSTAN 99.6 1.360,9 447,8

Ziraat Bank Azerbaycan ASC Baku/ AZERBAIJAN 100 963,4 278,9

Ziraat Bank Montenegro AD Podgorica / MONTENEGRO 100 575,5 120,5

Ziraat Bank Georgia Tbilisi/ GEORGIA 100 244,0 108,5

Ziraat Bank Uzbekistan JSC Tashkent/ UZBEKISTAN 100 531,8 196,1

5

6

Ziraat Bank – Organizational Structure

• Transformation of business model in 2011-2015

• Segregation of sales and marketing functions

• Centralized operations

• Branch and customer segmentation

• Specialized departments for loan allocation process, management of loan portfolio and internal audit

• Individual Performance System

Board

InternalSystemsCEO

LendingPolicies andProcedures

RetailBanking

Financial Management

InternalOperations

SME Banking

CorporateBanking

Human Resources

TreasuryManagement

MarketingBanking

Operations andCommunations

LoanUnderwriting

andManagement

7

Ziraat Bank – Strategic Pillars

01

02

03

04

05

Comprehensive Banking

Services

Serving all type of customers

and making their life easier

via establishing sustainable

relationship

Global Player

Increasing market share in

foreign trade transactions.

Presence in North

Africa, Middle East, Gulf

Region and Far East markets.

Organizational

Development

Organic growth in

local and global distribution

network with full integration

to financial architecture

Ziraat Finance Group

Addressing customers’

needs through an

integrated approach and

serving standardized high

quality service globally

Efficient Banking

Sectoral optimization in business

lending,

Pro-active asset quality management

with more efficient loan processes

Effective cost management with a

focus on profitability

New Corporate Internet Branch

Ziraat Mobile For Corporate

Clients

OmniChannel Experiance• Standardization of interface and

transaction flows

• Interaction between channels

Money withdrawal by using QR

code

Enhancing mobile transactions

Multiple language mobile branch

New Data Center

8

Ziraat Bank – Digital Transformation

2013 20162014Ziraat MobileiOS and Android app

«Ziraat Onay»Security app providing

approval to access

internet banking

through Ziraat

Mobile

2015

Mobile branch

App for devices not

compatible with iOS

and Android

Flexible limits

Transaction limits

defined specifically

to a segment or a

customer

Ziraat Tablet

iOS

Android

«E – Devlet»

Integration

Product

applications

through

channels

2017 2018

POS Platform

Bankkart

• Website

• Mobile

• POS Website

Corporate Website

Ziraat Assistant

Money withdrawal by

using QR code

New Banking Software

New Mobile Branch

Internet and Mobile

Branch Assistant

Loan access through

Internet and Mobile

Branch

Robotic Automation

Processes

ChatBot

Web Based New

Banking Software

Digital Ecosystem

Integration

Data Analytics

Excellence Center

9

24

510

50

Other Automatic Pay. Mobile Internet Branch ATM

Internet Banking

Customers:

8.7 mn

– Unique Service Delivery

Digital Banking

Customers:

16.2 mn

Largest ATM network:

7,251 ATMs

13.6% market share

30% improvement

in transaction

costs since 2016

15

7

Banking Transaction

Channel Distribution

(%)

92% of

banking transactions through

non-branch channels

• Special emphasis on digital channels during pandemic

• Facilitating measures to promote non-branch

• Increased transaction limits for ATM and digital channels

• Mutual use of ATMs among public banks for cost efficiency

In 2018, the Bank`s own credit card brand, ‘Bankkart’ was

launched in line with our new marketing approach

Low Credit Card NPL:

1.6% vs 5.0% sector avg.

Mid to Long Term Strategy

Gradual customer acquisition

and credit cartdmarket share

gain

Increase in market share of credit card

balance:

From 3.3% in 2016 to 6.1% in March 2020

2016 April 2020

Market

Share

Ranking Market

Share

Ranking

Cre

dit

Deb

it Turnover 25.2% 1 23.7% 1

Ownership 21.3% 1 22.6% 1

Turnover 3.4% 8 8.2% 6

Ownership 6.9% 6 10.8% 4

9

Mar. 2020

ROAA(1) 1.1

ROAE(1) 10.9

Cost / Income Ratio(2) 36.5

NIM (cum.) (3) 6.1

Loans(4)(5)/Deposits 98.1

Loans/Assets 69.1

Securities/Assets 21.3

NPL 2.7

Stage III Coverage(5) 68.4

CAR 16.4

# of(6)

Branches 1,733

Employees 24,522

ATMs 7,251

TL mn USD mn

Total Assets 695,438 106,716

Loans(4) 467,930 71,805

Securities 148,115 22.729

Deposits 490,053 75,200

Funds Borrowed 33,282 5,107

Interbank Money Market 49,683 7,624

Shareholder`s Equity 67,597 10,373

10

Ziraat Bank – Financial Snapshot

Mar. 2020

Mar. 2020 TL mn USD mn

Interest Income 16,051 2.463

Interest Expense 7,169 1.100

Net Interest Income 8,882 1.363

Net Fees&Commissions 859 132

OPEX(7) 3,029 465

Net Operating Profit 2,632 404

Net Profit 1,871 287

(1) Average total assets and average shareholders’ equity represent weekly averages

(2) İncludes dividend income

(3) Average interest earning assets represent weekly averages.

(4) Performing Loans (7) Including HR expenses

(5) Intermediated loans of public funds are excluded

(6) As of May 2020

68.7%

68.9%

67.5%

67.1%

67.3%

16.2%

17.8%

17.2%

21.2%

21.3%

10.2%

8.6%

9.0%

6.0%

6.0%

Loans Securities

Reserve Req. & Liquid Assets Other Assets

695

650

579

537

434

Ziraat Bank – Assets/Liabilities

ASSETS LIABILITIES

(1) Performing loans only

TL bn

Q 5.1%

11

Asset Growth : 7.0% (QoQ), 20.0% (YoY)

Loan Growth : 7.5% (QoQ), 16.3% (YoY)

Deposit Growth : 9.6% (QoQ), 28.1% (YoY)

(1)

61.3%

61.6%

66.0%

68.8%

70.5%

24.1%

22.0%

19.3%

14.9%

14.0%

12.1%

10.7%

9.6%

10.8%

9.7%

2017*

2018

Q1 19

2019

Q1 20

Deposits Non Deposit Funds Equity Other

695

650

579

537

434

* All 2017 figures in the presentation are calculated over 01.01.2018 numbers for comparison purposes

67%

28%

5%

EUR

USD

TL

Only bank to extend

government subsidized

agro loans

Q1 20

60%Market Share

37%

56%

7%

Q1 20

GPL Housing Credit Card and Other

23%

45%

13%

20%

Energy Infrastructure

Telecom Other

26%

34%

40%

Corporate

SME

Retail

74%

26%

TL FX

Ziraat Bank – Lending

Total Loans(1) (TL bn,)

12

19%

21%

8%

9%

15%

9%

Breakdown of Retail Loans(2) (TL bn.)

468

Breakdown of Cash Loans

Project Finance Loans

USD 8.8 bn cash

Agricultural Loans (TL bn)

70.5

123USD 0.2 bn non-cash

(1) Performing Loans

(2) Accruals are excluded

• Of business loans,

• Figures do not include loans extended through

foreign branches

• Accruals, intermediated loans of public funds

and foreign branch lending are excluded

Housing Loans

Market Share

32%

SME 6%

Corporate 94%

Corporate 24%Retail 34%

SME 42%

Agriculture

Manufacturing

Trade

Service

Finance

Construction

Energy

Tourism 3%

Other; 6%

22%

21%

8%

8%

10%

15%

7%

58%

22%

20%

Retail SME Corporate

94.3

92,2

Q1 20

Ziraat Sector

30%

70%

Q1 20

Demand Time

88%

12%

Other DepositsPublic Deposits

Ziraat Bank – Funding

54%

46%

TL FX

Total Deposits (TL bn,)

490

13

Breakdown of Deposits

51%

34%

15%

Q1 20

Money Markets Funds borrowed Bonds issued

97

Non-Deposit Funds (TL bn.) Loan to Deposit(1) (%)

(1) Performing Loans/Total Deposit

Intermediated loans of public funds are excluded

(2) Deposit banks

(2)

USD 9.6 bnTotal External Funding

Making up 65% of Total

Non-Deposit Funds

438,3

29,6

12,9

Q1 20

4,9

2,7

Q1 20

Sector Ziraat

Ziraat Bank – Asset Quality

NPL (%)

14

Stage II Loans/Total Loans 6.2%

Restructured Loans (3)/Total Loans 4.8%

Total Coverage 105.7%

Stage III Coverage 69.2%

Cash Coverage(2)69.2%

69.7%

119.5%

Cost of Risk (1) (%)

(1) CoR: Expected Credit Loss-Reversals /Average Loan Amount

(2) Excluding intermediated loans for public funds and including TL 1.740 mn free provisions

(3) Total figure including restructured loan amount before BRSA regulation published on 2 March 2019.

Loan Classification (TL bn)

Stage III

Stage II

Stage I

NPL Segment Distribution

Corporate 2.8%

SME 4.4%

Retail 1.0%1.1

TL 1.740 million Free Provisions serve as a buffer

PersonnelExpenses

IT&Comms.

Tax

SDIF Premium

Promotions

Rental;1%

Other

14%833 973

1,350

2,056

Q1 19 Q1 20

HR OPEX

16,4

15,3

14,1

Q1 20

CARTier-1CET-1

+81

-23

Ziraat – Profitability & Capitalization

BRSA Target 12.0%

Regulatory

Minimum 8.0%

Net Fees&Commissions (TL mn)

15

Capital Ratios (%) Cost/Income Ratio(1) (%)

1,102

1,871

Q1 19 Q1 20

Net Profit (TL mn)

822

859

Q1 19 Q1 20

Payment Systems

NonCash Loans

Money Transfer

Insurance

Other

8%

26%

13%22%

31%

(1) Includes dividend income

OPEX (TL mn)

36,5%

32%

10%

4%

28%

8%

4%

Depreciation

APPENDIX

16

– Balance Sheet Summary

17

IFRS9

TL mn 2017 2018 Q1 19 2019 Q1 20 % Change QoQ % Change YoY

CASH AND CASH

EQUIVALENTS48,571 46,238 52,006 57,389 41,829 -27.1% -19.6%

SECURITIES 70,628 95,374 99,602 130,335 148,115 13.6% 48.7%

LOANS 298,033 371,871 402,506 435,917 467,930 7.3% 16.3%

-Gross NPL 4,774 7,460 8,120 12,690 12,939 2.0% 59.3%

-Expected Credit Loss (-) 4,211 8,385 8,975 13,011 14,009 7.7% 56.1%

OTHERS 17,364 23,673 25,362 26,435 23,555 -10.9% -7.1%

TOTAL ASSETS 434,596 537,156 579,377 649,756 695,438 7.0% 20.0%

DEPOSITS 266,384 331,066 382,434 447,251 490,053 9.6% 28.1%

FUNDS BORROWED 29,065 34,172 35,904 34,528 33,282 -3.6% -7.3%

INTERBANK MONEY

MARKET56,258 68,351 59,697 49,275 49,683 0.8% -16.8%

PROVISIONS 3,283 2,832 3,054 3,819 4,998 30.9% 63.7%

SHAREHOLDERS’

EQUITY52,531 57,401 55,748 70,065 67,597 -3.5% 48.7%

OTHERS27,075 43,334 42,540 44,818 49,825 11.2% 17.1%

– Income Statement Summary

18Source: Unconsolidated Financial Statements

(1) OPEX includes personnel expenses and other provision expenses

TL mn 2017 2018 2019 Q1 19 Q4 19 Q1 20 % Chg. QoQ % Chg. YoY

INTEREST INCOME 35,463 53,054 65,602 15,584 16,528 16,051 -2,9% 3,0%

-From Loans 28,357 41,028 52,764 12,198 13,361 12,543 -6,1% 2,8%

-From Securities 6,193 10,977 11,966 3,098 3,081 3,555 15,4% 14,8%

INTEREST EXPENSE 18,561 31,138 40,290 10,662 7,901 7,169 -9,3% -32,8%

-On Deposits 12,249 19,675 27,989 7,199 5,721 5,005 -12,5% -30,5%

NET INTEREST INCOME 16,902 21,916 25,312 4,992 8,627 8,882 3,0% 77,9%

NET FEES & COMMISSIONS 2,217 2,638 3,590 822 1,114 859 -22.9% 4,5%

OTHER OPERATING INCOME 1,378 1,434 1,614 448 480 722 50,4% 61,2%

OPEX(1) 6,490 7,691 9,797 2,380 2,715 1,151 -57,6% -51,6%

NET OPERATING PROFIT 10,287 10,034 7,648 1,423 2,928 3,945 34,7% 177,2%

NET PROFIT 7,940 7,961 6,187 1,102 2,343 1,871 -20,1% 69,8%

(1) Average total assets represent monthly averages until 2017 and weekly averages since Q1 18

(2) Average shareholders’ equity represent monthly averages until 2017 and weekly averages since Q1 18

(3) İncludes dividend income

(4) Average interest earning assets represent weekly averages.

– Key Financial Ratios

19

(5) Performing Loans

(6) Intermediated loans of public funds are excluded

(7) Leverage = (Assets/Shareholders’ Equity)-1

– Non-Deposit Funding

20

April 2019; USD 469,5 mn & EUR 848,5 mn; LIBOR+ 250 & EURIBOR

+ 240 bps p.a.;367 days of maturity,

• IBRD loans; 2010&2013; USD 200 mn, USD 67 mn and USD 300 mn

• EIB loans; 2012-2017; 7 loans; each EUR 100 mn and IPARD EUR 100 mn

• KfW loan; 2014; EUR 150 mn

• AFD loan; 2014; EUR 100 mn

• CEB loan; 2014; EUR 100 mn

Syndication

IFIs

• USD 1.6 bn Eurobonds outstanding• April 2016; USD 500 mn RegS/144A; 4.75% coupon rate; 5y

• April 2017; USD 600 mn RegS/144A; 5.125% coupon rate; 5y

• September 2017; USD 500 mn RegS/144A; 5.125% coupon rate; 6y

• USD 54.4 mn outstanding private placements under GMTN Programme

• April 2019; EUR 1.4 bn AT-1 issuance under GMTN Programme

• TRY 750 mn, due August 2020, TLREF* + spread

• TRY 1086 mn, due August 2020, TLREF + spread

• TRY 718 mn, due September 2020, TLREF + spread

• Dec. 18; Inaugural TRY 1 bn Covered Bond in local markets

FC Bonds/Bills

TL Bonds/Bills

*Turkish Lira Overnight Reference Rate

– Corporate Social Responsibility

21

Ziraat Bankası Banking Museum

Turkey’s first museum devoted to banking, the

Ziraat Bankası Banking Museum opened its doors

to the public on 20 November 1981. Occupying

the ceremonial hall of the Bank’s original

headquarters building in the Ulus district of Ankara,

the museum provides a look at the Bank’s

151-year history. Besides being an important

source of information about Imperial-and

Republican-period history, the Ziraat Bankası Bank

ing Museum also houses examples of objects used

in the Turkish banking industry together with

peerless examples of Turkish art. Also on display

is a panoramic view of the progress and

development of banking in Turkey

Ziraat Bank conducts enduring social responsibility projects whose aims are to protect cultural values, to contribute to the communal heritage, a

nd to uphold traditions and customs.

The Ziraat Bank art collection consists of

more than 2,500 works, the majority of

which are oil paintings but which

also include

watercolors, gouaches, pastels, prints,

ceramics, and sculptures.The collection

continues to be enriched through

acquisitions from among works exhibited

by artists at Ziraat Bank’s galleries.

The Ziraat Bank Art Collection

Ziraat Bank has been supporting volleyball as a

sport in Turkey for years through the Ziraat Bank

Sports Club. The club has launched a campaign

to make the sport appealing to children all over

the country. In the first stage of this program, the

club attracted four hundred children through

free-of-charge “volleyball schools” in the ten

provinces of Adana, Bartın, Diyarbakır, Eskişehir,

Hatay, Kahramanmaraş, Konya, Kocaeli, Mersin,

and Tekirdağ. In the second stage of the program

, Ziraat Bank has set its eye on the goal of

nurturing volleyball players who are talented

enough to wear the national colors through its

“Ten National Athletes in Ten Provinces” project.

Ziraat Bank Sports Club

Both in keeping with its efforts to support sports in

general and in recognition of their contributions

both to social wellbeing and the Bank’s public face,

Ziraat Bank once again served as the Turkish Cup

name sponsor for the 2016/2017 season. Ziraat

Bank has been the Turkish Cup name sponsor

since the 2009/2010 season and will remain so

until the end of the 2018/2019 season.

Ziraat Bank the Turkish Cup name sponsor

DISCLAIMER

The information contained in this presentation has been prepared by T.C. Ziraat Bankası A.S. for informational purposes only.

Although the information in this presentation has been obtained from sources which we believe to be reliable, we cannot guara

ntee that the information is without fault or entirely accurate. The information contained in this presentation has not been indep

endently verified. No representation or warranty express or implied is made as to, and no reliance should be placed on, the fair

ness, accuracy, completeness or correctness of the information or opinions contained herein. The information and opinions in t

his presentation are provided as at the date of this presentation and are subject to change without notice. T.C. Ziraat Bankası

A.S. does not accept any liability whatsoever (in negligence or otherwise) for any loss howsoever arising from any use of this p

resentation or otherwise arising in connection with this presentation. This presentation cannot be interpreted as an advice to a

nyone and is also strictly confidential and may not be reproduced, distributed or published for any purpose.

For further information please contact

Investor Relations Department

Eski Büyükdere Cad. No: 39 B Blok, 6. Kat

Maslak-İstanbul/Turkey

Phone: (+90) 212 363 11 01

E-mail: investorrelations@ziraatbank.com.tr

www.ziraatbank.com.tr