YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Dec 11, 2025

Summary Info	Completion of subordinated eurobond issuance abroad
Update Notification Flag	No
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Completion of the Sale

Board Decision Date	25.12.2024

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	10.04.2025

Capital Market Instrument To Be Issued Info

Type	Subordinated Debt Securities
Maturity Date	11.06.2036
Maturity (Day)	3.835
Sale Type	Oversea
The country where the issue takes place	Amerika Birleşik Devletleri
Central Securities Depository	The Depository Trust Company
Nominal Value of Capital Market Instrument Sold	42.373.000
Maturity Starting Date	11.12.2025
Issue Exchange Rate	1
Interest Rate Type	Fixed Rate
Traded in the Stock Exchange	Yes
Payment Type	Foreign Exchange Payment
ISIN Code	US984848AW11
Coupon Number	21
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	11.06.2026
2	11.12.2026
3	11.06.2027
4	11.12.2027
5	11.06.2028
6	11.12.2028
7	11.06.2029
8	11.12.2029
9	11.06.2030
10	11.12.2030
11	11.06.2031
12	11.12.2031
13	11.06.2032
14	11.12.2032
15	11.06.2033
16	11.12.2033
17	11.06.2034
18	11.12.2034
19	11.06.2035
20	11.12.2035
21	11.06.2036
Principal/Maturity Date Payment Amount	11.06.2036

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	04.12.2025	No

Does the originator have a rating note?	No

Additional Explanations

Ref: Our public disclosures dated 04.12.2025. Selling transaction of the subordinated notes (Tier 2) in the reference, which were issued abroad in the amount of USD 500 million with two different ISIN codes (XS3246209749 - 457.627.000 USD / US984848AW11 - 42.373.000 USD) has completed on 11.12.2025. Necessary approvals have been obtained from the Banking Regulation and Supervision Agency (BRSA) regarding the inclusion of debt instrument in the Tier2 capital calculation of the issue.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.