YAPI VE KREDİ BANKASI A.Ş.

Earnings Release • Jul 31, 2025

Maintaining 2025 RoTE guidance

		Old 2025	2025 New	Revision
(ytd) Volumes	Growth TL Loan	inflation Average <	inflation Average <	Maintained
	Growth FC Loan	Mid -teens	Mid -teens	Maintained
Revenues	NIM	~300bps improvement	200-225bps improvement	Revised Down
	Growth Fee	25% -30%	≥40%	Revised Up
Costs	growth Cost	50% <	50% <	Maintained
Quality Asset	CoR	150-175bps	150-175bps	Maintained
		RoTE: Mid-Twenties