YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Aug 27, 2025

Summary Info	Regarding the issuance of debt securities which can be included Additional Tier 1 Capital at abroad
Update Notification Flag	No
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Other

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	04.03.2036
Maturity (Day)	3.834
Sale Type	Oversea

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-	27.08.2025	No

Does the originator have a rating note?	No

Additional Explanations

Ref: Our public disclosure dated 26.08.2025. The process of book building which is stated in the public disclosure dated 26.08.2025 has been completed; in this context, issuance of a perpetual Additional Tier 1 Notes (AT1) abroad with the nominal amount of USD 500 million, having the particulars specified in the BRSA's Regulation on Equity of the Banks in compliance with the conditions mentioned in the Article 7 entitled "Additional Tier 1 Capital", which have the call option subject to approval of the BRSA in all option dates mentioned below, with a coupon rate of 8,25% and semi-annual coupon payments is planned. The first call option can be exercised from 4 September 2030, corresponding to the 5th year of issuance, until 4 March 2031. In case our Bank does not exercise the call option, there is a call option on every semi-annual coupon payment date thereafter. The issuance is planned to be completed on 4 September 2025, following the receipt of necessary CMB approval. Additional Tier 1 Notes are perpetual. However, the maturity date is entered as 4 March 2036 in order to register the notes in the Central Securities Depository's (MKK) system. In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.