YAPI VE KREDİ BANKASI A.Ş.

Capital/Financing Update • Dec 4, 2025

Summary Info	Recent developments on the issuance of subordinated eurobond 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	11.06.2036
Maturity (Day)	3.835
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	04.12.2025	No

Does the originator have a rating note?	No

Additional Explanations

Ref: Our public disclosure dated 04.12.2025. The process of book building which was stated in the public disclosure dated 04.12.2025 has been completed; in this context, issuance of subordinated notes (Tier II) 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 8 entitled "Tier II Capital", with a 10.5 years maturity, coupon rate of 7,55% and semi-annual coupon payments is planned. The call option can be exercised from 11 March 2031 until 11 June 2031. The issuance is planned to be completed on 11 December 2025, following the receipt of necessary CMB approval. 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.