YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Nov 20, 2025

Summary Info	The issuance of debt securities to qualified investors
Update Notification Flag	No
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Completion of the Sale

Board Decision Date	18.09.2024

Related Issue Limit Info

Currency Unit	TRY
Limit	80.000.000.000
Issue Limit Security Type	Debt Securities
Sale Type	Public Offering-Private Placement-Sale To Qualified Investor
Domestic / Oversea	Domestic
Capital Market Board Approval Date	09.01.2025

Capital Market Instrument To Be Issued Info

Type	Bond
Maturity Date	01.12.2026
Maturity (Day)	375
Sale Type	Sale To Qualified Investor
The country where the issue takes place	Türkiye
Title Of Intermediary Brokerage House	YAPI KREDİ YATIRIM MENKUL DEĞERLER A.Ş.
Central Securities Depository	Merkezi Kayıt Kuruluşu A.Ş.
Nominal Value of Capital Market Instrument Sold	3.200.000.000
Maturity Starting Date	21.11.2025
Issue Price	1
Interest Rate Type	Fixed Rate
Interest Rate - Yearly Simple (%)	39,55
Interest Rate - Yearly Compound (%)	39,36
Traded in the Stock Exchange	Yes
Payment Type	TL Payment
ISIN Code	TRSYKBKA2619
Coupon Number	1
Currency Unit	TRY
Coupon Payment Frequency	Single Coupon

Redemption Plan of Capital Market Instrument Sold

Coupon Number	Payment Date	Record Date	Payment Date	Interest Rate - Periodic (%)	Payment Amount	Exchange Rate	Was The Payment Made?
1	01.12.2026	30.11.2026	01.12.2026	40,6336
Principal/Maturity Date Payment Amount	01.12.2026	30.11.2026	01.12.2026

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?	No

Does the originator have a rating note?	No

Additional Explanations

It has been announced with our public disclosures dated 10.01.2025 and 13.01.2025 that Capital Markets Board of Turkey (CMB) authorized Yapı ve Kredi Bankası A.Ş. to issue debt securities in domestic market up to 80 billion TL nominal values by the way of public offering, private placements and/or sales to qualified investors. In this context; debt securities in the amount nominal value of 3.200.000.000 TL with term of 375 days were sold to qualified investors. The settlement will be completed on 21.11.2025. 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.