YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Dec 24, 2025

Summary Info	Regarding the decision on the early redemption of subordinated bonds issued abroad
Update Notification Flag	Yes
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Other

Board Decision Date	24.12.2025

Related Issue Limit Info

Currency Unit	USD
Limit	7.000.000.000
Issue Limit Security Type	Debt Securities
Sale Type	Oversea
Domestic / Oversea	Oversea
Capital Market Board Approval Date	19.03.2020

Capital Market Instrument To Be Issued Info

Type	Bond
Maturity Date	22.01.2031
Maturity (Day)	3.652
Sale Type	Oversea
Nominal Value of Capital Market Instrument Sold	500.000.000
Maturity Starting Date	22.01.2021
Interest Rate Type	Fixed Rate
ISIN Code	XS2286436451
Coupon Number	20
Currency Unit	USD
Coupon Payment Frequency	Once Every Six Months

Redemption Plan of Capital Market Instrument Sold

Coupon Number	Payment Date	Was The Payment Made?
1	22.07.2021	Yes
2	22.01.2022	Yes
3	22.07.2022	Yes
4	22.01.2023	Yes
5	22.07.2023	Yes
6	22.01.2024	Yes
7	22.07.2024	Yes
8	22.01.2025	Yes
9	22.07.2025	Yes
10	22.01.2026
11	22.07.2026
12	22.01.2027
13	22.07.2027
14	22.01.2028
15	22.07.2028
16	22.01.2029
17	22.07.2029
18	22.01.2030
19	22.07.2030
20	22.01.2031
Principal/Maturity Date Payment Amount	22.01.2031

Rating

Does the issuer have a rating note?	Yes

Issuer Rating Note

Rating Company	Rating Note	Rating Date	Is it Investment Grade?
Fitch Ratings	AA-(tur) - Ulusal Uzun Vadeli Notu (National Long Term)	01.07.2025	Yes

Does the capital market instrument have a rating note?	Yes

Capital Market Instrument Rating Note

Rating Company	Rating Note	Rating Date	Is it Investment Grade?
Fitch Ratings	B	29.05.2025	No

Does the originator have a rating note?	No

Additional Explanations

Ref: Our public disclosure date 22.01.2021. It was resolved by our Bank's Board of Directors that redeemed the subordinated bond, which was issued abroad on 22 January 2021, with an amount of USD 500,000,000 issued with two different ISIN codes (XS2286436451 - 424.501.000 USD / US984848AN12 - 75.499.000 USD) with a maturity of 22 January 2031, a 10-year maturity and which can be repaid in the 5th year, on 22 January 2026 which is the Issuer Call Date. This statement has been translated into English and simultaneously announced for informational purposes. In the event of any discrepancy between the Turkish and the English versions, the Turkish version shall prevail.