Assessment of 2016 Financial Results Ordinary General Meeting of Shareholders 30 March 2017

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1 Assessment of 2016 Financial Results Ordinary General Meeting of Shareholders 30 March 2017

2 RECORD HIGH PROFIT Net Income (TL Million) 3,615 42% 5,148 ROAE 15.4% vs. 12.8% in 2015 TL 300mn free provisions remain as buffer Note: Leverage defined as Liabilities/SHE 2

3 COMPOSITION OF ASSETS CONTINUED TO BE CUSTOMER DRIVEN Total Assets (TL Billion) 12% Other Interest Earning Assets Non-Interest Earning Assets Securities Loans % 10% 15% 13% 15% 14% 60% 63% Increasingly customer-driven asset mix Asset growth remained lending driven throughout 2016 Loans/Assets reached its highest level: 63% Securities continued to serve as hedge against volatility Note: Accrued interest on B/S items are shown in non-ieas 3

4 CONTINUED TO SUPPORT THE ECONOMY WHILE PRESERVING SOUND ASSET QUALITY Performing Loans (TL Billion) 17% Main drivers of loan growth YoY Growth TL Business Banking Loans 1 25% Consumer Loans 13% Mortgages 17% Foreign Currency (FC) 41% (4%) * 41% Auto Loans 25% Turkish Lira(TL) 59% 18% 59% Sound asset quality NPL ratio: 3.0% -- maintained below sector s Total Cash Coverage Ratio 2 : 131% * In US$ terms 1 TL business banking loans; TL loans TL retail loans 2 Includes specific and general provisions 4

5 SOLID & WELL-DIVERSIFIED FUNDING MIX Reigned by deposits & further reinforced with increasing share of free funds Composition of Liabilities Repos 4% Funds Borrowed 15% Bonds Issued 6% Other 7% SHE 11% Demand Deposits 15% Demand Deposits (TL Billion) 22% vs. Time Deposits 42% Deposits/Assets: 57% Total Deposits Growth YoY: +14% 1 Sector data is based on BRSA weekly bank-only data as of December 30, 2016, commercial banks only. 5

6 HIGHEST SUSTAINABLE INCOME GENERATION CAPACITY AND EFFICIENT COST MANAGEMENT NIM (incl. Swap costs) +30bps YoY Net Fees & Comm. (TL billion) +10% YoY OPEX +6% YoY Garanti Peer I Peer II 1 4.5% 4.2% 3.9% pp YoY improvement in Cost/Income ratio Highest per branch efficiency Effective utilization of digital channels: Managing Turkey s largest digital customer base Peer III 3.9% 1 Garanti Peer I Peer II Peer III HIGHEST CORE OPERATING INCOME 1 1 Comparison is among 4 large private banks and based on BRSA bank-only financials Note: Core Operating Income defined as NII excluding income on CPI linkers + Net F&C - Net Specific & General Provisions + Net Swap Gains/Losses-OPEX 6

7 CAPITAL GENERATIVE GROWTH STRATEGY ASSURES SOUND SOLVENCY RATIOS Capital Adequacy Ratios CAR: +115bps YoY 13.5% 12.8% 12.9% 14.7% 13.6% 13.6% CET-1: +77bps YoY Required Capital Levels 1 CAR: 9.2% CET-I: 5.7% CAR Common Equity Tier-I Total Tier-I CET-1 capital share in total: 93% vs. Highest CET-I ratio 2 : among peers 1 Required Consolidated CAR (9.158%) = 8.0% + SIFI Buffer for Group 3 (0.5%) + Capital Conservation Buffer (0.625%) + Counter Cyclical Buffer (0.033%) Required Consolidated CET-I (5.658%) = 4.5% + SIFI Buffer for Group 3 (0.5%) + Capital Conservation Buffer (0.625%) + Counter Cyclical Buffer (0.033%) 2 Among peers as of Dec16. 3 BRSA monthly data as of Dec 16 commercial banks only 7

8 THANK YOU Türkiye Garanti Bankasi A.Ş. (the TGB ) has prepared this presentation document (the Document ) thereto for the sole purposes of providing information which include forward looking projections and statements relating to the TGB (the Information ). No representation or warranty is made by TGB for the accuracy or completeness of the Information contained herein. The Information is subject to change without any notice. Neither the Document nor the Information can construe any investment advise, or an offer to buy or sell TGB shares. This Document and/or the Information cannot be copied, disclosed or distributed to any person other than the person to whom the Document and/or Information delivered or sent by TGB or who required a copy of the same from the TGB. TGB expressly disclaims any and all liability for any statements including any forward looking projections and statements, expressed, implied, contained herein, or for any omissions from Information or any other written or oral communication transmitted or made available. 8

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