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2012

2012. ‘‘ good times do not come to you ; you have to walk to them .’’. Mawlana Jalal ad-Din Muhammad Rumi (1207-1273). PROFILE OF. 3. Türkiye Finans emanated from the merger of Family Finans and Anadolu Finans in 2006.

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2012

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  1. 2012

  2. ‘‘goodtimes do not cometoyou; youhavetowalktothem.’’ Mawlana Jalal ad-Din Muhammad Rumi (1207-1273)

  3. PROFILE OF 3

  4. Türkiye Finans emanatedfromthemerger ofFamily Finans and Anadolu Finans in 2006. • Twoyearslater, in 2008, itsmajorityshareswereacquiredby NCB of SaudiArabia. 4

  5. ‘’Theway’’ weare in ‘’Theway’’ wearewalking on • In 2008, as part of NCB’s international expansion strategy, 66.27% share of Turkiye Finans was acquired by NCB whereas Ulker Group and Boydak Holding remained as strategic partners with 11.57% and 22.09% shares respectively. • TFKB with NCB partnership will continue its growth performance and prove to be more competitive both in national and international markets in the years to come. • 220 branches and 6 regional branches all over Turkey. • 1.924.842 retail, 168.085 SME, and21.814 corporate customers • 311.388 credit cards and 3.595 employees. 5

  6. SHAREHOLDERS STRUCTURE 6

  7. 7

  8. Founded in 1944 Annual sales of US$ 7 billion in 2012” US$ 1,6 billion exports volume Employing around 36,000 employees at 68 companies and 55 factories, 9 of which are abroad. 13 companies of Ülker Groupareenlistedamong top 500 industrialfirms in Turkey. Market leader in manysub-segments of foodandbeverageindustriesandoperating in packaging, IT, andrealestatesectors. The first Saudi bank to be licensed in the KSA. The largest Bank in the Arab world in terms of capital. Paid-up capital is SR15,000 million (US$ 4,000 million) as of Dec 2012. Total assets as of Dec 2012are SR 345,320 million (US$ 92,177million). Net income reached SR 6,613 million(US$1,765 million) at 2012, Shareholders’ equity as of Dec 2012 are SR 39,404million (US$ 10,518 million) . Best Bank in Saudi Arabia in 2012 by The Banker magazine, and Best Islamic Bank by Global Finance.Best Islamic Asset Management Company in the Middle East from Islamic Finance News, Best Wealth Manager from The Banker Middle East NCBoperates290 branches throughout the Kingdom, dedicated exclusively to Islamic Banking services. It has 3.3 million clients. Ratings: FITCH: A + / S&P: A + / Moody’s: A1 • Founded in 1959 • US$ 3,2 billion turnover in 2012 • Exporting to 110 countries around the world with over US$ 413 million export volume • More than 13.000 employees • 38 companies and 8 sectors. • 6 companies of Boydak Groupareenlistedamong top 500 industrialfirms in Turkey. • Leader of Furniture, Home Textile, Cable Sectors, Aviation, Energy, Chemicals, Logistics • Factoriesarelocated in Turkey(Kayseri and Bursa), RussiaandUkraine. 8

  9. BOARD OF DIRECTORS 9

  10. The Board is comprised of seven memberswhereas NCB is representedbyfourseats. 10

  11. PRODUCTS AND SERVICES 11

  12. SME Sectoral Packages and SME Financing FX Trading Leasing Profit/ Loss Participation Franchising and Agricultural Loans Letters of Credit and Guarantees Consumer Financing Credit Cards POS Invoice Payments Securities Correspondent Banking Exports/ Imports Customer Transfers Check Collection ECA/SEP/GSM/ITFC Credits Syndications Project Financing Treasury Transactions Internet Banking Mobile Banking ATM Banking SMS Banking E-Reminder Service Telephone Banking 12

  13. CREDIT RATING 13

  14. Long-Term Foreign Currency : 'BBB'; Outlook Stable Long Term Local Currency : 'BBB+’ ; Outlook Stable Short Term Foreign Currency : 'F3‘ Short Term Local Currency : ‘F2‘ National Long-term rating : 'AAA(tur)'; Outlook Stable Viability Rating : 'bb-' Support Rating : '2' Long-term IDRs of Türkiye Finans are capped above Turkey's sovereign ratings. 14

  15. FINANCIAL HIGHLIGHTS AND COMPETITIVE STANDING 15

  16. Total Asset Rankings: Türkiye Finans is the 15th largest bank among 48 banks in Turkey Total Assets (2012 YE, Billion TRY) 175 180 163 State Bank State Bank 160 156 160 National Privately Owned Bank 140 122 120 JV Or Foreign Bank Subsidiary 108 105 100 Participation Bank 80 54 60 44 44 #15 #15 40 25 25 21 19 18 15 20 12 0 Garanti Bankası Ziraat Bankası Finansbank Bank Asya Şekerbank Denizbank Yapı Kredi Vakıfbank Halkbank Albaraka Akbank İş Bankası Kuveyt HSBC TFKB TEB ING 2 Year CAGR IND PBs* 17% 27% 16 Source: BRSA *PB excludesTFKB.

  17. Participation Banks are consistently growing faster than the conventional banks... 2011 2012 ParticipationBanks Industry In TRY Bio In TRY Bio +26% 80 +13% 71 70 1,371 1,400 +21% 60 +22% 1,300 56 1,218 1,200 50 48 1,100 50 +16% +11% 1,000 42 39 900 40 813 772 800 701 695 700 30 600 500 +26% 20 +19% 400 300 182 7 10 200 6 145 100 0 0 Assets Loans Deposits Equity Assets Loans Deposits Equity Source: BRSA 17

  18. Assets & Liabilities Structure: TFKB’sAsset growth is more than two times faster than the industry... Asset Structure (TRY BN) Liabilities Structure (TRY BN) Cash & Banks Wholesale Funding +30% 17.6 Securities Deposits 17.6 Total Loans Equity 2.5 Other Assets Other Liabilities 3.3 13.5 13.5 0.7 1.5 2.2 10.7 10.7 0.1 0.6 8.7 11.4 1.8 0.0 8.1 0.6 0.7 9.5 0.0 13.1 8.4 6.9 10.4 8.0 7.2 2.1 1.6 1.4 1.2 1.6 0.9 0.8 0.6 0.6 0.3 0.3 0.3 2009 2010 2011 2012 2009 2010 2011 2012 IndustryGrowth(%) 13.0 13.9 20.7 21.0 18

  19. Loans & Deposits: TFKB managed to grow significantly faster than the industry bothin terms of deposits and loans... Loans(TRY BN) Deposits (TRY BN) +26% +20% 13.1 11.4 10.4 9.5 8.4 8.0 6.9 7.1 2009 2010 2011 2012 2009 2010 2011 2012 Industry growth(%) 6.9 13.2 16.1 11.0 33.9 29.9 19.9 12.7 19

  20. TFKB, Aggregate Foreign Trade Volumes Million $ Million $ L/C volumes 828 Foreign Trade Volume 710 14.504 670 601 566 366 13.588 Confirmed L/Cs 251 282 261 Unconfirmed L/Cs 258 462 459 10.680 387 340 308 8.255 8.120 2008 2009 2010 2011 2012 Million $ 426 L/G volumes 250 290 Counter L/Gs Direct L/Gs 157 153 138 176 91 117 109 137 74 66 36 29 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 20

  21. Non-Cash Loans as of 2012 - Q4... Letters of Credit (TRY MM) Letters of Guarantee (TRY MM) INDUSTRY PBs* TFKB +10% +13% +8% -1% +50% +31% 216.8 18.9 6.8 18.7 6.3 197.6 16.8 0.6 2.4 2.4 40.1 0.7 2.0 40.8 150.8 4.2 30.4 0.6 6.2 16.4 16.3 176.7 5.6 14.8 156.8 120.4 3.6 2010 2011 2012 2010 2011 2012 2010 2011 2012 Source: BRSA *TFKB excluded 21

  22. AssetQuality NPL Ratio (%) 5.4 PBs* IND 5.1 TFKB 3.7 3.2 3.1 • Historically low NPL ratio compared to the competitiors. 3.5 2.9 3.0 2.7 2.4 ASSET QUALITY 2010 Coverage Ratio (%) 2011 -5% +18% +7% 2012 -11% -5% +6% 83.8 79.4 75.2 75.8 73.0 72.4 • Coverage ratio is around the market average. 69.2 64.7 64.5 INDUSTRY PBs* TFKB Source: BRSA *TFKB excluded 22

  23. P & L: TFKB profit growth stays above the peer group and the industry Net Income (TRY MM) INDUSTRY PBs* TFKB +19% -10% 1,000 +11% +3% +22% +13% INCOME 0 2010 2011 2012 2010 2011 2012 2010 2011 2012 Source: BRSA *TFKB excluded 23

  24. RoAA & RoAE 2010 2011 2012 RoAA (%) -26% -13% +2% -5% -20% -13% 2.4 2.2 1.9 1.9 1.8 1.8 1.8 1.5 1.3 INDUSTRY PBs* TFKB RoAE(%) -3% -1% -21% +2% -13% -3% 18.0 15.8 15.2 15.3 15.2 14.2 14.4 13.2 12.9 INDUSTRY PBs* TFKB Source: BRSA *TFKB excluded 24

  25. CAR: Strong capital base with a healthy buffer above12% regulatory requirement % 20.6 PBs IND 19.0 TFKB 17.9 17.2 17.1 16.5 14.8 14.7 14.5 14.2 14.0 13.9 Source: BRSA 25

  26. 2013 STRATEGIC PRIORITIES 1 Productivity 2 Distribution Model 3 ALM 4 New Products 5 Customer Management 6 Talent Management 26

  27. BRANCH NETWORK 27

  28. Türkiye Finans has 220 branches throughout the country. • İSTANBUL :88 Branches + Istanbul Anadolu and Avrupa Regional Branches • ANKARA : 19 Branches + Ankara Regional Branch • İZMİR : 8 Branches + Izmir Regional Branch • ADANA : 5 Branches + Adana Regional Branch • KAYSERİ : 4 Branches + Kayseri Regional Branch 28

  29. INTERNATIONAL AWARDS 29

  30. “2008 Best Islamic Bank in Turkey” GLOBAL FINANCE MAGAZINE “2009 Best Islamic Bank in Turkey” ISLAMIC FINANCE NEWS MAGAZINE” “2010 Best Islamic Bank in Turkey” GLOBAL FINANCE NEWS MAGAZINE” “2011 Best Islamic Bank in Turkey” GLOBAL BANKING AND FINANCE MAGAZINE” “2012 Best Islamic Bank in Turkey” ISLAMIC FINANCE NEWS MAGAZINE” “2013 Best Islamic Bank in Turkey” WORLD FINANCE MAGAZINE”

  31. TURKEY’S MACROECONOMIC INDICATORS 31

  32. Macro Economic Highlights: Turkey is the 18th largest economy … GDP : $ 788.7 bln (2012) GDP GROWTH RATE : 2.2% y/y (2012) INCOME PER CAPITA:$10,504 (2012) INFLATION: 7.03% (March 2013) UNEMPLOYMENT RATE: 10.1% (Dec 2012) FDI: $12.4 bln in 2012 PUBLIC DEBT TO GDP RATIO: 37.5% in 2012 TOTAL FOREIGN TRADE: $389 bln in 2012 (Exports: $152.5 bln; Imports: $236.5 bln) EXTERNAL DEBT / GDP: 24.1% in 2012 DEFICIT / GDP: -1.7% (Feb 2013) 12 month cumulative deficit: TL 23.4 bln 32

  33. THANK YOU

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