TÜRKİYE GARANTİ BANKASI A.Ş.

Capital/Financing Update • Oct 15, 2025

Summary Info	Announcement regarding issuance of subordinated notes
Update Notification Flag	Yes
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Completion of the Sale

Board Decision Date	06.02.2025

Related Issue Limit Info

Currency Unit	USD
Limit	6.000.000.000
Issue Limit Security Type	Debt Securities
Sale Type	Oversea
Domestic / Oversea	Oversea
Capital Market Board Approval Date	15.05.2025

Capital Market Instrument To Be Issued Info

Type	Subordinated Debt Securities
Maturity Date	15.04.2036
Maturity (Day)	3.835
Sale Type	Oversea
The country where the issue takes place	İrlanda
Central Securities Depository	Euroclear/Clearstream
Nominal Value of Capital Market Instrument Sold	700.000.000
Maturity Starting Date	15.10.2025
Issue Exchange Rate	41,697
Interest Rate Type	Fixed Rate
Traded in the Stock Exchange	Yes
Payment Type	Foreign Exchange Payment
ISIN Code	XS3205715611
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	15.04.2026
2	15.10.2026
3	15.04.2027
4	15.10.2027
5	15.04.2028
6	15.10.2028
7	15.04.2029
8	15.10.2029
9	15.04.2030
10	15.10.2030
11	15.04.2031
12	15.10.2031
13	15.04.2032
14	15.10.2032
15	15.04.2033
16	15.10.2033
17	15.04.2034
18	15.10.2034
19	15.04.2035
20	15.10.2035
21	15.04.2036
Principal/Maturity Date Payment Amount	15.04.2036

Rating

Does the issuer have a rating note?	Yes

Issuer Rating Note

Rating Company	Rating Note	Rating Date	Is it Investment Grade?
Fitch /Moody's	Fitch /Moody's	17.09.2024	No

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 /Moody's	B+ / B1	07.10.2025	No

Does the originator have a rating note?	No

Additional Explanations

Our Bank has mandated Banco Bilbao Vizcaya Argentaria, S.A, Merrill Lynch International, Citigroup Global Markets Limited, Societe Generale, Abu Dhabi Commercial Bank PJSC, Mashreqbank psc, ING Bank N.V and SMBC Bank International plc for an issuance of U.S. dollar-denominated subordinated notes (Basel III compliant) to be sold abroad. The fixed rate notes with nominal amount of USD 700 million, 10.5NC5.5 maturity, redemption date of 15 April 2036 and the coupon rate of 7,625%. *In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.