YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Sep 24, 2025

Summary Info	The coupon rate of the debt securities which can be included in the calculation of equity in domestic market
Update Notification Flag	Yes
Correction Notification Flag	No
Postponed Notification Flag	No
Subject of Notification	Coupon Rate Determination

Board Decision Date	26.09.2018

Related Issue Limit Info

Currency Unit	TRY
Limit	5.000.000.000
Issue Limit Security Type	Subordinated Debt Securities
Sale Type	Sale To Qualified Investor
Domestic / Oversea	Domestic
Capital Market Board Approval Date	20.12.2018

Capital Market Instrument To Be Issued Info

Type	Subordinated Debt Securities
Maturity Date	20.09.2029
Maturity (Day)	3.640
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.
Ending Date of Sale	03.10.2019
Nominal Value of Capital Market Instrument Sold	300.000.000
Maturity Starting Date	03.10.2019
Issue Price	1
Interest Rate Type	Floating Rate
The Period That Rate Will Be Used	T-1
Floating Rate Reference	TLREF
Additional Return (%)	1,30
Traded in the Stock Exchange	Yes
Payment Type	TL Payment
ISIN Code	TRSYKBK92911
Coupon Number	40
Currency Unit	TRY
Coupon Payment Frequency	Quarterly

Redemption Plan of Capital Market Instrument Sold

Coupon Number	Payment Date	Record Date	Payment Date	Interest Rate - Periodic (%)	Interest Rate - Yearly Simple (%)	Interest Rate - Yearly Compound (%)	Payment Amount	Exchange Rate	Was The Payment Made?
1	02.01.2020	31.12.2019	02.01.2020	3,8402	15,403	16,3167	11.520.600		Yes
2	02.04.2020	01.04.2020	02.04.2020	3,0629	12,2853	12,8635	9.188.700		Yes
3	02.07.2020	01.07.2020	02.07.2020	2,4759	9,9308	10,3072	7.427.700		Yes
4	01.10.2020	30.09.2020	01.10.2020	2,7189	10,9055	11,3601	8.156.700		Yes
5	31.12.2020	30.12.2020	31.12.2020	4,0108	16,0873	17,085	12.032.400		Yes
6	01.04.2021	31.03.2021	01.04.2021	4,7553	19,0735	20,483	14.265.900		Yes
7	01.07.2021	30.06.2021	01.07.2021	5,1784	20,7705	22,4467	15.535.200		Yes
8	30.09.2021	29.09.2021	30.09.2021	5,151	20,6606	22,3188	15.453.000		Yes
9	30.12.2021	29.12.2021	30.12.2021	4,4573	17,8782	19,1141	13.371.900		Yes
10	31.03.2022	30.03.2022	31.03.2022	3,9255	15,7451	16,7004	11.776.500		Yes
11	30.06.2022	29.06.2022	30.06.2022	3,9072	15,6717	16,618	11.721.600		Yes
12	29.09.2022	28.09.2022	29.09.2022	3,7891	15,198	16,0872	11.367.300		Yes
13	29.12.2022	28.12.2022	29.12.2022	3,0378	12,1846	12,7533	9.113.400		Yes
14	30.03.2023	29.03.2023	30.03.2023	2,6235	10,5228	10,9458	7.870.500		Yes
15	03.07.2023	30.06.2023	03.07.2023	3,1045	11,9278	12,4641	9.313.500		Yes
16	28.09.2023	27.09.2023	28.09.2023	5,2664	22,0947	24,0265	15.799.200		Yes
17	28.12.2023	27.12.2023	28.12.2023	9,5511	38,3094	44,1791	28.653.300		Yes
18	28.03.2024	27.03.2024	28.03.2024	12,2233	49,0275	58,8117	36.669.900		Yes
19	27.06.2024	26.06.2024	27.06.2024	13,9287	55,8679	68,7155	41.786.100		Yes
20	26.09.2024	25.09.2024	26.09.2024	13,7403	55,1122	67,5992	41.220.900		Yes
21	26.12.2024	25.12.2024	26.12.2024	13,3882	53,6999	65,5279	40.164.600		Yes
22	27.03.2025	26.03.2025	27.03.2025	12,2043	48,9513	58,7039	36.612.900		Yes
23	26.06.2025	25.06.2025	26.06.2025	12,9876	52,0931	63,1946	38.962.800		Yes
24	25.09.2025	24.09.2025	25.09.2025	11,7422	47,0978	56,0985	35.226.600
25	25.12.2025	24.12.2025	25.12.2025
26	26.03.2026	25.03.2026	26.03.2026
27	25.06.2026	24.06.2026	25.06.2026
28	24.09.2026	23.09.2026	24.09.2026
29	24.12.2026	23.12.2026	24.12.2026
30	25.03.2027	24.03.2027	25.03.2027
31	24.06.2027	23.06.2027	24.06.2027
32	23.09.2027	22.09.2027	23.09.2027
33	23.12.2027	22.12.2027	23.12.2027
34	23.03.2028	22.03.2028	23.03.2028
35	22.06.2028	21.06.2028	22.06.2028
36	21.09.2028	20.09.2028	21.09.2028
37	21.12.2028	20.12.2028	21.12.2028
38	22.03.2029	21.03.2029	22.03.2029
39	21.06.2029	20.06.2029	21.06.2029
40	20.09.2029	19.09.2029	20.09.2029
Principal/Maturity Date Payment Amount	20.09.2029	19.09.2029	20.09.2029

Rating

Does the issuer have a rating note?	Yes

Issuer Rating Note

Rating Company	Rating Note	Rating Date	Is it Investment Grade?
Fitch Ratings	A+(tur) - Ulusal Uzun Vadeli Notu (National Long Term)	22.09.2022	Yes

Does the capital market instrument have a rating note?	No

Does the originator have a rating note?	No

Additional Explanations

Ref: Our public disclosure dated 03.10.2019. It has been announced with our public disclosure dated 03.10.2019; regarding the debt securities issued to qualified investors with the nominal value of TL 300,000,000 with a maturity of 10 years (3.640 days) and floating rate, early redemption five years after issuance based on BRSA and having the particulars specified in the article 8 of the Regulation (Tier 2 Capital). The 24th coupon rate of the mentioned bond with the ISIN code TRSYKBK92911 and the payment date of 25.09.2025 is determined as 11,7422%. In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.