IR Releases

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Issuance of a perpetual Additional Tier 1 Capital Transaction of US$500 million27 March 2024On 26 March 2024, Yapı Kredi successfully priced US$ 500 million worth of perpetual Additional Tier 1 Notes deal with an annual coupon rate of 9.743% and semi-annual coupon payments.Basel III Compliant Subordinated Debt Transaction of US$650 million10 January 2024On 9 January 2024, Yapı Kredi successfully priced a 144A/Reg S, 10NC5 Basel III complaint Tier-2 deal with a coupon rate of 9.25%. ADCB, Citibank, J.P. Morgan, MUFG, SMBC and Standard Chartered acted as the Joint Lead Managers.

Yapı Kredi has secured US$ 80 million for the earthquake region15 December 2023Our bank signed a financing agreement with the International Finance Corporation (IFC) amounting to US$ 80 million to support the earthquake region Yapı Kredi has decided to redeem US$ 650 million AT-1 bonds, following the receipt of necessary BRSA approval14 December 2023Board of Directors resolution dated December 14, 2023, it is resolved that our Bank will redeem the USD 650 million Perpetual, Fixed Rate, Resettable Additional Tier-1 bonds (ISIN: XS1867595750 ; US984848AL55) issued on January 15, 2019 Yapı Kredi increased its Sustainable Eurobond issuance to US$ 800 million with additional US$ 300 million through re-opening21 November 2023Yapı Kredi successfully completed its first Sustainable Eurobond issuance with a nominal amount of USD 500 million on 13 September 2023.Yapı Kredi secured sustainability-linked syndicated loan amounting to US$ 755 million3 November 2023Our bank signed a sustainability-linked syndicated loan deal comprising of two tranches worth of 359 million US$ and 372.5 million Euros which in total amounting to 755 million US$ with 367 days maturity, consists of participants from 22 countries and 39 financial institutions.9M23 Financial Results IR Release24 Oct 2023On 24 October 2023, Yapı Kredi announced its consolidated results for the first nine months of 2023 based on Banking Regulation and Supervision Agency (BRSA) Accounting and Reporting Legislation.Yapı Kredi Secures ~1 Billion US$ Under the DPR Programme13 October 2023Our Bank has executed future flow transactions under its Diversified Payment Rights (DPR) programme.Sustainable Eurobond issuance amounting to US$ 500 million7 September 2023On 7 September 2023, Yapı Kredi successfully completed its first Sustainable Eurobond issuance with a nominal amount of USD 500 million.Yapı Kredi has secured up to $ 108 million for the earthquake region11 August 2023Our bank signed a financing agreement with the European Bank for Reconstruction and Development (EBRD) for up to US$ 108 million to support businesses and individuals in the earthquake region.1H23 Financial Results IR Release24 July 2023On 24 July 2023, Yapı Kredi announced its consolidated results for the first six months of 2023 based on Banking Regulation and Supervision Agency (BRSA) Accounting and Reporting Legislation.Yapı Kredi secured social syndicated loan amounting to US$ 580 million1 June 2023580 million US Dollars with 367 days maturity, in the social loan format for the first time 1Q23 Financial Results IR Release28 April 2023On 28 April 2023, Yapı Kredi announced its consolidated results for the first three months of 2023 based on Banking Regulation and Supervision Agency (BRSA) Accounting and Reporting Legislation.

[Sustainability Linked] Yapı Kredi secured sustainability-linked syndicated loan amounting to US$ 458 million2 Nov 2022Our bank signed a sustainability-linked syndicated loan deal that consists of two tranches worth of 210 million US Dollars and 249 million Euros which in total amounting to 458 million US Dollars with 367 days maturity 9M22 Financial Results IR Release31 Oct 2022On 31 October 2022, Yapı Kredi announced its consolidated results for the first nine months of 2022 based on Turkish accounting standards (Banking Regulation and Supervision Agency)1H22 Financial Results IR Release26 July 2022On 26 July 2022, Yapı Kredi announced its consolidated results for the first six months of 2022based on Turkish accounting standards (Banking Regulation and Supervision Agency).Yapı Kredi secured US$ 90 million to support SMEs and Commercial Customers4 July 2022Yapı Kredi signed two loan agreements amounted to US$ 90 million.[Sustainability Linked] Yapı Kredi secured sustainability-linked syndicated loan amounting to US$ 810 million25 May 2022On 25 May 2022, Yapı Kredi successfully signed a sustainability-linked syndicated loan agreement totalling US$ 810 million at 367 days maturity.1Q22 Financial Results IR Release29 April 2022On 29 April 2022, Yapı Kredi announced its consolidated results for the first three months of 2022 based on Turkish accounting standards (Banking Regulation and Supervision Agency).[Sustainability Linked] Yapı Kredi is the leader among Turkish banks in MSCI ESG Rating7 April 2022MSCI ESG Rating measures companies' resistance to long-term environmental, social and governance (ESG) risks.[Sustainability Linked] Yapi Kredi is Included in the 2022 Bloomberg Gender Equality Index26 January 2022We are proud to announce that Yapı Kredi is one of the 7 companies from Turkey included in the 2022 Bloomberg Gender Equality Index (GEI), which includes 418 companies worldwide and aims to make the business environment more egalitarian and inclusive.

US$ 855 million International Financing Dual Currency Term Loan Facility13 November 2020On 28.10.2020 Yapı Kredi announced that; the Bank successfully signed a syndicated loan agreement totalling US$ 805 million at 367 days maturity, including an accordion feature.9M20 IR Release26 October 2020On 26 October 2020, Yapı Kredi announced its consolidated results for the first nine months of 2020 based on Turkish accounting standards (Banking Regulation and Supervision Agency).1H20 IR Release29 July 2020On 29 July 2020, Yapı Kredi announced its consolidated results for the first six months of 2020 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Yapı Kredi is Among the CDP Turkey 2019 Water Leaders11 June 2020Yapı Kredi has been granted the CDP Turkey 2019 Water Leadership award. Yapı Kredi had an A- from CDP Water Program and a B from CDP Climate Change Program for its performance in 2019.US$ 870 million International Financing Dual Currency Term Loan Facility and Bilateral Loan Agreement27 May 2020On 14 May 2020, Yapı Kredi announced that the Bank successfully signed a syndicated loan agreement including an accordion feature.Inclusion to the MSCI Turkey Index13 May 2020On 13 May 2020, following the index review of MSCI Green Bond IR Release20 January 2020On 21 January 2020, Yapı Kredi successfully completed its first Green Bond issuance with a nominal amount of USD 50,000,000.

9M19 IR Release04 November 2019On 4 November 2019, Yapı Kredi announced its consolidated results for the first nine months of 2019 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Dual Currency Term Loan Facility28 October 2019Dual Currency Term Loan Facility 1H19 IR Release01 August 2019On 1 August 2019, Yapı Kredi announced its consolidated results for the first six months of 2019 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Non-Performing Loan Portfolio Sale26 June 2019Non-Performing Loan Portfolio Sale Non-Performing Loan Portfolio Sale29 May 2019Non-Performing Loan Portfolio Sale Dual Currency Term Loan Facilities08 May 2019US$ 1.03 billion Dual Currency Term Loan Facility 1Q19 IR Release02 May 2019On 3 May 2018, YapıKredi announced its consolidated results for the first three months of 2018 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Non-Performing Loan Portfolio Sale18 April 2019Non-Performing Loan Portfolio Sale

9M18 IR Release31 October 2018On 31 October 2018, Yapı Kredi announced its consolidated results for the first nine months of 2018 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Non-Performing Loan Portfolio Sale28 June 2018Non-Performing Loan Portfolio Sale Offering of unsubscribed rights21 June 2018Offering of unsubscribed rights CMB Approval of Yapı Kredi’s Rights Issue - Start of the Pre-emption Period04 June 2018CMB Approval of Yapı Kredi’s Rights Issue - Start of the Pre-emption Period Dual Currency Term Loan Facilities09 May 2018US$ 1.5 billion Dual Currency Term Loan Facilities 1Q18 IR Release03 May 2018On 3 May 2018, YapıKredi announced its consolidated results for the first three months of 2018 based on Turkish accounting standards (Banking Regulation and Supervision Agency).Capital Markets Day03 May 2018Today, Yapı ve Kredi Bankası A.Ş. (the “Bank”) presented their Capital Markets Day to analysts and investors, formally unveiling their strategic plan, ‘YapiKredi 2020’ alongside their Q1’18 financial results.The Capital Strengthening Plan26 April 2018The Capital Strengthening Plan Non-Performing Loan Portfolio Sale26 April 2018Non-Performing Loan Portfolio Sale Non-Performing Loan Portfolio Sale26 February 2018Non-Performing Loan Portfolio Sale

IR Release - Replacement of Director and CEO27 Dec 2017Replacement of Director and Chief Executive Officer (CEO)Sale of Yapı Kredi Moscow25 Oct 2017Yapı Kredi’s BoD took the decision to sell Yapı Kredi’s fully owned subsidiary Yapı Kredi Moscow Material Event Disclosure24 Oct 2017Regarding IFRS Financials Dual Currency Term Loan Facilities09 Oct 2017US$ 1.35 billion Dual Currency Term Loan Facilities 9M17 IR Release30 Sep 201730 September 2017 1H17 IR Release30 Jun 201730 June 2017 Dual Currency Term Loan Facilities04 May 2017US$ 306 million and € 956.5 million Dual Currency Term Loan Facilities Non-Performing Loan Portfolio Sale24 Apr 2017Non-Performing Loan Portfolio Sale Non-Performing Loan Portfolio Sale22 Feb 2017Non-Performing Loan Portfolio Sale

9M16 IR Release02 Nov 2016Significant profitability acceleration supporting improving fundamentals 1H16 IR Release29 Jul 2016Profitability acceleration and intact fundamentals Dual Currency Term Loan Facilities04 May 2016US$ 381 million and € 959.1 million Dual Currency Term Loan Facilities 1Q16 IR Release02 May 2016Balanced growth... Strong profitability acceleration Subordinated Debt Transaction03 Mar 2016Basel III Compliant Subordinated Debt Transaction of US$500 million 2015 Earnings Release02 Feb 2016Majority of investments finalised, profitability acceleration expected

9M15 Earnings Release27 Oct 2015Resilient commercial performance in a challenging environment Dual Currency Term Loan Facility01 Oct 2015On 30 September 2015, Yapı Kredi successfully signed a 367-day syndicated loan agreement comprised of a US Dollar tranche of US$ 295 million and a Euro tranche of € 810.5 million.1H15 Earnings Release30 Jul 2015Accelerating performance, disciplined approach 1Q15 Earnings Release08 May 2015Disciplined execution: Resilient performance and step-up in ranking Multi-Tranche Dual-Currency Club Term Loan Facility04 May 2015On 30 April 2015, Yapı Kredi successfully signed a 364-day and 367-day syndicated loan agreement comprised of a US Dollar tranche of US$ 513 million and a Euro tranche of € 835 million.Update on Sale of Non-Performing Loan Portfolio08 Apr 2015On 08 April 2015, it was decided that the non-performing loan portfolio sale, which was originally announced on 25 March 2015 as below, was not realised as the necessary conditions were not satisfied Sale of Non-Performing Loan Portfolio27 Mar 2015On 25 March 2015, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of Corporate and Commercial amounting to TL 73.3 million for a total consideration of at least TL 1.0 million to Vera Varlık Yönetim A.Ş.2014 Earnings Release02 Feb 2015Profitable growth delivered, strategy confirmed

Sale of Non-Performing Loan Portfolio17 Dec 2014On 17 December 2014, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of credit cards amounting to TL 61.1 mln for a total consideration of TL 8.3 mln to RCT Varlık Yönetimi A.Ş.9M14 Earnings Release27 Oct 2014Successful execution of growth strategy on track Eurobond Transaction of US$500 million22 Oct 2014On 15 October 2014, Yapı Kredi successfully priced a 5 year US$ 500 million Eurobond benchmark transaction. The notes were issued on 22 October 2014 Establishment of Yapı Kredi Malta13 Oct 2014Yapı ve Kredi Bankası A.Ş. (YKB) will establish a new banking subsidiary in the Republic of Malta under the name of “Yapı Kredi Malta”. Yapı Kredi Malta will be controlled by Yapı Kredi Holding BV whose share capital is fully owned by YKB.DPR Securitisation Programme10 Oct 2014Yapı Kredi launched a 20 year US$ 550 million new issuance from its Diversified Payments Rights (DPR) Securitisation Programme Dual Currency Club Term Loan Facility01 Oct 2014US$ 340.0 million and € 760.75 million Dual Tranche Dual Currency Club Term Loan Facility Sale of Non-Performing Loan Portfolio25 Sep 2014On 24 September 2014, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of consumer loans, SME loans and credit cards amounting to TL 282.4 mln for a total consideration of TL 28.4 mln of which:1H14 Earnings Release24 Jul 2014Profitable growth with solid base confirmed Sale of Non-Performing Loan Portfolio26 Jun 2014On 25 June 2014, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of credit card and consumer loans amounting to TL 103.8 mln for a total consideration of TL 15.5 mln of which:1Q14 Earnings Release30 Apr 2014Rapid response to challenges ensuring continuing resilience Dual Currency Club Term Loan Facility30 Apr 2014US Dollar tranche of US$ 319.1 million and a Euro tranche of € 852.6 million 2013 Earnings Release10 Feb 2014Robust base, resilient performance Savings Deposit Insurance Fund (SDIF) Payment20 Jan 2014Banking Regulation and Supervision Agency (BRSA) completed an audit on saving deposit insurance payments belonging to December 2007–December 2012 period

Sale of Non-Performing Loan Portfolio19 Dec 2013On 18 December 2013, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of credit card and corporate/commercial loans amounting to TL 229 mln (including TL 13 mln overdue interest) for a total consideration of TL 42.8 mln of which Subordinated Loan19 Dec 2013On 18 December 2013, Yapı Kredi signed a new subordinated loan facility agreement with UniCredit Bank Austria. The facility amounts to USD 470 million with 10 years tenor (pre-payable after five years) at 6.35% coupon rate (midswap+4.68% after the first five years). The loan amount was transferred to YKB’s account on the same day.Eurobond Transaction of US$500 million03 Dec 2013On 3 December 2013, Yapı Kredi successfully finalised a Eurobond issuance of US$ 500 million 5 year fixed rate notes in 144a/RegS format.Subordinated Loan21 Nov 2013On 21 November 2013, Yapı Kredi’s Board of Directors resolved to repay its existing €350 million subordinated loan facility granted in April 2006 by Goldman Sachs International Bank that complies with Article 8 of Banking Regulation and Supervision Agency’s regulation on Equity of Banks.9M13 Earnings Release04 Nov 2013Key fundamentals further reinforced in 9M 2013 Dual Tranche Dual-Currency Club Term Loan Facility07 Oct 2013US$ 302.5 million and € 657 million Dual Tranche Dual-Currency Club Term Loan Facility 1H13 Earnings IR Release01 Aug 2013Customer-Oriented Sustainable Results in 1H 2013 DPR Securitisation Program30 Jul 2013Yapı Kredi obtains ~US$ 505 mln as part of its DPR securitisation program Insurance Sale Finalised12 Jul 2013Yapı Kredi finalises sale of its insurance businesses with a capital gain of TL 1,243 mln1 1Q13 Earnings Release08 May 2013Yapı Kredi recorded TL 544 mln consolidated net income in the first quarter of 2013 driven by robust core revenue performance and disciplined cost control.Dual Tranche Dual-Currency Club Term Loan Facility05 May 2013Yapı Kredi Obtained US$ 437 million and € 759.5 million Dual Tranche Dual-Currency Club Term Loan Facility Finalisation of the Reorganisation of Yapı Kredi's Insurance Business27 Mar 2013Yapı Kredi and Allianz reach agreement on the sale of Yapı Kredi’s insurance business and join forces to strengthen leadership in the Turkish market Announcement of Annual Shareholders’ Meeting07 Mar 2013Yapı Kredi Annual Shareholders’ Meeting 2012 Dividend Distribution Proposal for 201207 Mar 2013Dividend Distribution Proposal to be submitted for the approval of shareholders during the Annual Shareholder’s Meeting dated March 29, 2013 2012 YE Earnings Release14 Feb 2013Yapı Kredi recorded TL 2.1 bln consolidated net income in 2012 driven by solid revenue performance thanks to continuous focus on customer business. Tangible ROAE was 17.5% while bank capital adequacy ratio reached 16.3%

Subordinated Debt Transaction of US$1 billion06 Dec 2012On 6 December 2012, Yapı Kredi successfully finalised a subordinated debt issuance of USD 1 billion with 10 years maturity at a 5.5% coupon rate. The transaction was lead managed by Bank of America Merrill Lynch, Morgan Stanley, Mitsubishi UFJ and UniCredit Bank.Sale of Non-Performing Loan Portfolio03 Dec 2012On 30 November 2012, Yapı Kredi’s Board of Directors resolved to sell a fully provisioned non-performing loan portfolio of SME, individual, credit card and corporate/commercial loans amounting to a total of TL 626 mln (including TL 66 mln overdue interest) for a total consideration of TL 66.8 mln:9M12 Earnings Release13 Nov 2012Yapı Kredi posted TL 1,478 mln net income in the first nine months of 2012 with robust core revenue performance, cost discipline and strong customer focus Dual Tranche Multi-Currency Term Loan Facility28 Sep 2012Yapı Kredi Obtained US$ 322 million and € 618 million Syndicated Dual Tranche Multi-Currency Term Loan Facility 1H12 Earnings Release02 Aug 2012Yapı Kredi posted TL 838 mln net income in the first half of 2012 with acceleration in customer business and solid expansion in net interest margin Mandate for Reorganisation of Insurance Business27 Jul 2012During the meeting of the Board of Directors of Yapı Kredi held on 27 July 2012, it was resolved that Deutsche Bank A.G., UniCredit Bank Austria A.G. and Yapı Kredi Yatırım Menkul Değerler A.Ş. would be appointed as joint financial advisors to assist Yapı Kredi in the reorganisation of its presence in the insurance business (life, non-life and pension), including assessment of divestiture and partnerships, with the purpose of maximising the value for its clients and shareholders.Reorganisation of Insurance Business27 Jun 2012During the meeting of the Board of Directors of Yapı Kredi (YKB) held on 27 June 2012, it was resolved to start the assessment on the reorganisation of Yapı Kredi’s presence in the insurance business 1Q12 Earnings Release09 May 2012For the first quarter of 2012, Yapı Kredi posted TL 415 mln net income with solid business performance accompanied by continued funding diversification Dual Tranche Multi-Currency Term Loan Facility27 Apr 2012Yapı Kredi Obtained US$ 264 million and € 864.5 million Syndicated Dual Tranche Multi-Currency Term Loan Facility Yapı Kredi Bank Annual Shareholders’ Meeting Results27 Mar 2012The 2011 Annual Shareholders’ Meeting of Yapı Kredi was held on Thursday, March 22nd, 2012 Announcement of Annual Shareholders' Meeting06 Mar 2012Yapı Kredi Annual Shareholders’ Meeting 2012 Yapı Kredi secured US$ 585 million subordinated loan24 Feb 2012Yapı Kredi secured US$ 585 million subordinated loan 2011 YE Earnings Release23 Feb 2012Yapı Kredi posted TL 2.3 bln net income and 21.7% ROAE, confirming continuously strong customer business focus, healthy core revenue growth, disciplined cost control and positive asset quality Eurobond Transaction of US$500 million08 Feb 2012On 8 February 2012, Yapı Kredi successfully finalised a bond issuance of US$ 500 million 5 year fixed rate notes lead managed by J.P. Morgan Securities Ltd., Standard Chartered Bank and UniCredit Bank AG.

Sale of Non-Performing Loan Portfolio29 Nov 2011On 24 November 2011, Yapı Kredi’s Board of Directors resolved to sell a 100% provisioned non-performing loan portfolio of credit cards and individual loans amounting to a total of TL 290 mln (including overdue interest) to LBT Varlık Yönetimi A.Ş. for a total consideration of TL 45.8 mln:9M11 Earnings Release03 Nov 2011n 9M11, Yapı Kredi confirmed healthy profitability posting TL 1,653 mln net income and 21% ROAE on the back of sustained customer business focus (loans/assets at 59%).Dual Tranche Multi-Currency Term Loan Facility30 Sep 2011Yapı Kredi Obtained US$ 285 million and € 687 million Syndicated Dual Tranche Multi-Currency Term Loan Facility DPR Securitisation of ~USD 410 million23 Aug 2011Yapı Kredi obtained a total of ~USD 410 million (EUR 130 million and USD 225 million) of financing within the framework of its Diversified Payment Rights (DPR) securitisation program backed by foreign export receivables and foreign exchange transfers.1H11 Earnings Release03 Aug 2011During the first 6 months of 2011, Yapı Kredi reported TL 1,101 mln net income and 21% ROAE driven by positive revenue performance, contained costs and improving asset quality 1Q11 Earnings Release10 May 2011On 10 May 2011, Yapı Kredi announced its consolidated 1Q11 results based on Turkish accounting standards (BRSA), reporting TL 532 mln net income Dual Tranche Multi-Currency Term Loan Facility20 Apr 2011On 20 April 2011, Yapı Kredi successfully signed a 1 year Dual Tranche Multi-Currency Term-Loan Facility amounting to ~US$ 1,450 million as a replacement of the US$ 1 billion syndication loan that was signed in April 2010.Yapı Kredi Bank Annual Shareholders’ Meeting Results01 Apr 2011The 2010 Annual Shareholders’ Meeting of Yapı Kredi was held on Thursday, March 31st, 2011 at Yapı Kredi Plaza, D Blok located in Levent, İstanbul at 14:00 hrs.Announcement of Annual Shareholders’ Meeting15 Mar 2011Yapı Kredi Annual Shareholders’ Meeting 2011 2010 Earnings Release28 Feb 2011Yapı Kredi announced its consolidated 2010 results based on Turkish accounting standards (BRSA), reporting TL 2,255 mln of cumulative net income.

Sale of Non-Performing Loan Portfolio26 Nov 2010On 25 November 2010, Yapı Kredi’s Board of Directors resolved to sell a 100% provisioned non-performing loan portfolio of credit cards, SME and individual loans amounting to a total of TL 428 mln (including overdue interest) for a total consideration of TL 56.0 mln:9M10 Earnings Release10 Nov 2010Yapı Kredi confirms increasing profitability in 9M10, reporting TL 1,870 mln net income (+46% y/y) and 29.8% ROAE, driven by above sector volume growth and strong operational performance at all levels counterbalancing margin compression Long-term Borrowing of US$750 million12 Oct 2010On October 11th, 2010 Yapı Kredi signed a Loan Agreement with UniCredit Luxembourg S.A. for a long-term borrowing of US$750 million, lead managed by UniCredit Bank AG, Citibank Global Markets Limited and Deutsche Bank AG London Branch.Dual Tranche Multi-Currency Club-Term Loan Facility30 Sep 2010On 29 September 2010, Yapı Kredi successfully signed a 1 year Dual Tranche Multi-Currency Club Term-Loan Facility amounting to US$1,250 million, comprising a US Dollar tranche of US$342,5 million and a Euro tranche of €670 million.Exchange Offer of DPR Notes26 Aug 2010Regarding Yapı Kredi’s existing DPR programme which comprises 2006 and 2007 Issues guaranteed by different monoline companies, the Bank had announced the mandate of Standard Bank Plc and UniCredit Bank AG London Branch for an exchange offer of these monoline wrapped notes (with unwrapped notes) on 26 May 2010.1H10 Earnings Release03 Aug 2010Yapı Kredi confirms increasing profitability in 1H10, reporting TL 1,172 mln net income (+26% y/y) and 28% ROAE, driven by productivity improvements allowing above market volume growth together with cost growth below inflation Sale of Non-Performing Loan Portfolio01 Jun 2010On 26 May 2010, Yapı Kredi’s Board of Directors resolved to sell non-performing loan portfolios of corporate and commercial loans amounting to a total of TL 299 mln for a total of TL 7.5 mln. The portfolio was sold to LBT Varlık Yönetimi A.Ş.1Q10 Earnings Release12 May 2010Yapı Kredi confirms robust profitability with TL 564 mln net income in 1Q10 (+20% y/y) driven by above market loan growth, sound core revenue performance and significant asset quality improvement (ROAE at 27%, NPL ratio at 4.9%)Dual Tranche Multi-Currency Club-Term Loan Facility22 Apr 2010On 21 April 2010, Yapı Kredi successfully signed a 1 year Dual Tranche Multi-Currency Term-Loan Facility exceeding ~US$ 1 billion.Yapı Kredi Bank Annual Shareholders’ Meeting Results26 Mar 2010The 2009 Annual Shareholders’ Meeting of Yapı Kredi was held on Thursday, March 25th, 2010 at Yapı Kredi Plaza, D Blok located in Levent, İstanbul on at 15:00 hrs Sale of Non-Performing Loan Portfolio16 Mar 2010On 15 March 2010, Yapı Kredi’s Board of Directors resolved to sell non-performing loan portfolios of credit cards, SME loans and retail loans amounting to a total of TL 681 mln for a total of TL 70.05 mln:Announcement of Annual Shareholders’ Meeting11 Mar 2010Yapı Kredi Annual Shareholders’ Meeting 2010 2009 Earnings Release02 Mar 2010Yapı Kredi reported TL 1,553 mln net income in 2009 (+23% y/y) supported by strong operating performance (operating income up +59% y/y) leading to solid profitability (23% ROAE).

The Banker has selected Yapı Kredi as “Bank of the Year 2009” in Turkey08 Dec 2009Yapı Kredi has been selected as “Bank of the Year 2009” in Turkey by The Banker, one of the most prestigious financial publications in the world.9M09 Earnings Release11 Nov 2009In the first nine months of 2009, Yapı Kredi maintained solid profitability driven by strong revenue performance and tight cost control, reporting TL 1,282 mln of net income in its BRSA consolidated financials.Dual Tranche Multi-Currency Club-Term Loan Facility18 Sep 2009On 16 September 2009, Yapı Kredi successfully signed a 1 year Dual Tranche Multi-Currency Club Term-Loan Facility amounting to US$985 million in Istanbul.1H09 Earnings Release04 Aug 2009In the first half of 2009, Yapı Kredi reported TL 930 mln of net income in its BRSA consolidated financials, confirming solid profitability performance driven by robust revenue growth and strong cost control.Sale of Non-Performing Loan Portfolio29 May 2009On 27 May 2009, Yapı Kredi’s Board of Directors resolved to sell a 100% provisioned non-performing loan portfolio in credit cards and individual segment with a cash principal amount of TL 393.9 mln to Girişim Varlık Yönetimi A.Ş. in return for TL 26.5 mln.1Q09 Earnings Release13 May 2009For the first three months of 2009, Yapı Kredi reported TL 471 mln of net income in its BRSA consolidated financials, closing the first quarter with sound profitability, despite considerable increase in cost of risk, as a result of positive revenue performance and tight cost measures.Dual Tranche Multi-Currency Term Loan Facility22 Apr 2009Yapı Kredi successfully signed a new 1 year Dual Tranche Multi-Currency Term-Loan Facility amounting to approximately US$410 million on 21 April 2009 in Istanbul.Yapı Kredi Bank Ordinary Shareholders’ Meeting Results07 Apr 2009The 2008 Ordinary Shareholders’ Meeting of Yapı Kredi was held on Friday, April 3rd, 2009 at Yapı Kredi Plaza, D Blok located in Levent-İstanbul on at 14:30 hrs. The following agenda items were discussed and approved:2008 YE Earnings Release06 Mar 2009Yapı Kredi reported TL 1,261 mln of consolidated net income in 2008, up 45% y/y, confirming profitable growth through constant focus on revenues, customer satisfaction and accelerated branch expansion.

Registration of Capital Increase Process17 Dec 2008Yapı Kredi Bank (YKB) announces the completion of the process to increase its issued capital in cash by YTL 920,000,000 from YTL 3,427,051,284.00 to YTL 4,347,051,284.00 within the Bank’s registered capital ceiling of YTL 5,000,000,000.9M08 Earnings Release12 Nov 2008Yapı Kredi confirms profitability and growth trend in 9M08 with consolidated net income of YTL 1,102 mln, up 52% y/y despite deteriorating market conditions.Closure of Process for Divestiture of YK Koray04 Nov 2008On 15 May 2008, Yapı Kredi Bank (YKB) had announced the launch of the process jointly with Koray Group for the reorganisation of YKB’s shareholding in Yapı Kredi Koray Gayrimenkul Yatırım Ortaklığı A.Ş.* (Yapı Kredi Koray Real Estate Investment Company), including a possible divestiture.Closure of Process for Divestiture of YKB’s Insurance Business31 Oct 2008On 22 February 2008, Yapı Kredi Bank (YKB) had announced the launch of the process for the reorganisation of its insurance businesses, Yapı Kredi Sigorta (non-life) and Yapı Kredi Emeklilik (life and private pension fund), appointing Merrill Lynch International and UniCredit CAIB AG as joint financial advisors.Dual Tranche Multi-Currency Term Loan Facility12 Sep 2008Yapı Kredi successfully signed a 1 year Dual Tranche Multi-Currency Term-Loan Facility amounting to USD 1,000 million on 10 September 2008 in Istanbul. This syndicated loan will replace Yapı Kredi’s USD800 million facility dated 17 September 2007 in order to finance pre-export contracts and exports of Yapı Kredi’s customers.Completion of Rump Period for YKB's Rights Issue12 Aug 2008Yapı Kredi Bank (YKB) announces that regarding the issued capital of the Bank being increased by YTL 920,000,000 from YTL 3,427,051,284 to YTL 4,347,051,284 within the Bank’s registered capital ceiling of YTL 5,000,000,000, the offering of the unsubscribed rights amounting to nominal YTL 1,405,174,784 on the ISE primary market has been completed and the total remaining shares have been sold on 11 August 2008.KFS purchase of YKB shares during rump period within the scope of YKB’s rights issue12 Aug 2008Yapı Kredi Bank (YKB) announces that regarding the issued capital of the Bank being increased by YTL 920,000,000 from YTL 3,427,051,284 to YTL 4,347,051,284 within the Bank’s registered capital ceiling of YTL 5,000,000,000, the offering of the unsubscribed rights amounting to nominal YTL 1,405,174,784 on the ISE primary market has been completed and the total remaining shares have been sold on 11 August 2008.1H08 Earnings Release07 Aug 2008Yapı Kredi confirms positive profitability and growth trend in 1H08 with consolidated net income of YTL 740 mln, up 61% YoY (55% YoY on a normalised basis) and accelerated branch expansion above plan. Cost/Income down at 51%Receipt of CMB Approval on YKB’s Rights Issue Start of the Pre-emption Period15 Jul 2008Yapı Kredi Bank (YKB) announces that on 11 July 2008, the Capital Markets Board (CMB) has approved YKB’s application with regards to the increase in the Bank’s issued capital by YTL 920,000,000 from YTL 3,427,051,284 to YTL 4,347,051,284 within the Bank’s registered capital ceiling of YTL 5,000,000,000.1Q 2008 Earnings Release15 May 2008For the first three months of 2008, Yapı Kredi reports consolidated net income of YTL 447 mln, up 108% YoY (76% YoY on a normalised basis) confirming positive results of regained commercial focus and accelerated branch expansion plan Capital increase15 May 2008The Board of Directors of Yapı Kredi Bank resolved on 15 May 2008 to:Reorganisation of YKB’s Shareholding in Yapı Kredi Koray Real Investment Company15 May 2008According to the resolution taken by the Board of Directors of Yapı Kredi Bank on 15 May 2008, it was resolved to start the preliminary assessment jointly with Koray Group about the existing controlling shareholdings in Yapı Kredi Koray Gayrimenkul Yatırım Ortaklığı A.Ş.* (Yapı Kredi Koray Real Estate Investment Company) including a possible divestiture and Rothschild Kurumsal Finansman Hizmetleri Limited Şirketi has been appointed as financial advisor jointly by Yapı Kredi Bank and Koray Yapı Endüstrisi ve Ticaret A.Ş.Yapı Kredi Bank Ordinary Shareholders’ Meeting Results08 Apr 2008The 2007 Ordinary Shareholders’ Meeting of Yapı Kredi was held on Monday, April 7th, 2008 at Yapı Kredi Plaza, D Blok located in Levent-İstanbul on at 11:30 hrs. The following agenda items were discussed and approved:Dividend Distribution Policy for 2008 and the Following Years31 Mar 2008Principles with regard to the dividend distribution of our Bank are set out in detail in Article 78 of the Articles of Association of the Bank.Sale of Non-Performing Loan Portfolio28 Mar 2008On 28 March 2008, Yapı Kredi (YKB) completed a transaction to sell a portfolio of corporate, commercial and SME non-performing loans with an account balance of YTL 429 mln (principal amount of YTL 532 mln according to legal execution files and protocols) to LBT Varlık Yönetimi (Lehman Brothers) in return for YTL 60.5 mln.The Announcement of Ordinary Shareholders’ Meeting22 Feb 2008Yapı Kredi Ordinary Shareholders’ Meeting 2008 Mandate For Reorganisation of Insurance Business22 Feb 2008During the meeting of the Board of Directors of Yapı Kredi (YKB) held on 21 February 2008, it was resolved that Merrill Lynch International and UniCredit CA IB AG would be appointed as joint financial advisors to assist YKB in the reorganisation of its presence in the insurance business, including assessment of divestiture and partnerships, with the purpose of maximising the value for its clients and shareholders.Fortis joins Yapı Kredi’s “World” platform following Vakıfbank and Anadolubank22 Feb 2008Through this agreement, Yapı Kredi creates the largest brand sharing network in the Turkish banking sector with 10 mln "World" cards

Yapı Kredi’s Non-Core Asset Restructuring Process29 Dec 2006In line with its strategy of balance sheet restructuring and the process of non-core asset disposal, Yapı Kredi purchased indirect stakes from its direct non-financial participations by paying a total of approximately 180 million YTL with an objective to liquidate non-financial overseas companies and funds (without any net cash outflow effect due to intra-group nature of the transactions).USD700 Million Club Term-Loan Facility29 Dec 2006We are pleased to announce that the proceeds of Yapı Kredi’s USD700 million syndicated loan arranged under Club Term-Loan Facility entered into our accounts as of 27 December 2006, following the repayment of USD800 million syndicated loan with 1 year maturity secured during the same period last year.A world record USD1.2 billion securitization from Yapı Kredi18 Dec 2006Immediately Following Legal Merger On 2 October 2006, Yapı Kredi Successfully Completes Inaugural Issue Into International Debt Capital Markets Under Yapı Kredi's Diversified Payment Rights (“DPR”) Programme: A World Record US$1.2 billion Securitization Extraordinary General Assembly Results21 Sep 2006The Extraordinary General Assemblies of Yapı ve Kredi Bankası A.Ş. and Koçbank A.Ş. were held on 21 September 2006 and approved:Extraordinary General Shareholders Meetings results30 Jun 2006In the Extraordinary General Shareholders Meetings of Yapı Kredi and Koçbank held on June 29, 2006;Application to the Capital Markets Board28 Jun 2006Pursuant to the resolutions of our Board of Directors dated 20 April 2006 and 27 June 2006, an application has been submitted to the Capital Markets Board (“CMB”) to obtain permission in order to contemplate the merger with Koçbank A.Ş. (“Koçbank”) through transfer of all rights, receivables, obligations and liabilities of Koçbank to our Bank by virtue of dissolution of Koçbank on 27 June 2006.Extraordinary Shareholders Meeting13 Jun 2006In yesterday’s Board of Directors Meeting, it was decided to hold an Extraordinary Shareholders Meeting on June 29, 2006,First Quarter of 2006 Unconsolidated Results08 May 2006Yapı Kredi Bank back to profitability and within regulatory requirements with respectively net profit of YTL 56 mln and CAR of 11,7%First Quarter Earning Release08 May 2006Yapı Kredi Bank back to profitability and within regulatory requirements with respectively net profit of YTL 56 mln and CAR of 11,7%Capital increase25 Apr 2006Registration document of the shares with a nominal value of YTL 1.144.317.800,62 to be issued for the capital of our Bank to be raised from YTL 752.344.693,18 to YTL 1.896.662.493,80 was received from Capital Markets Board on April 18, 2006 and the capital increase was registered at the Trade Registry on April 19, 2006.BOD decision20 Apr 2006In the Board of Directors Meeting held on April 20, 2006, it was decided to initiate all necessary preparations by our Bank to take over Kocbank with all of its rights, receivables, obligations and liabilities by virtue of dissolution and submit the first application to the Banking Regulation and Supervision Authority.Purchase of shares05 Apr 2006Our Bank obtained a 500 million Euro subordinated loan from Merrill Lynch Capital Corporation with all in cost of Euribor + 200 basis points and a maturity of 10 years callable after 5 years, assisted by the guarantee of UniCredito Italiano SpA.Purchase of shares05 Apr 2006Today, Koçbank, our major shareholder, made an announcement stating that they agreed with Credit Suisse Holdings (Nederland) BV to purchase 54,759,643 trading shares of Yapı Kredi for a consideration of YTL 445,532,023 off market and that the share and money transfer (settlement) shall take place on 6 April 2006 Thursday. As a result of acquisition of these shares, Koçbank's direct and indirect shareholding in Yapı Kredi shall increase from 58.22% to 65.50%.Annual General Meeting results03 Apr 2006In the Annual General Meeting held on March 31, 2006; The agreements specified in articles 3-9 of the Annual General Meeting Agenda have been approved.Annual General Meeting14 Mar 2006In today's Board of Directors Meeting, it was decided to hold the Annual General Meeting on March 31, 2006, Friday at 15:00 at Yapi Kredi Plaza D Blok Head Office Conference Hall, Levent - ISTANBUL.Sale of Digitürk06 Jan 2006On 05 January 2006, our Bank's shares in Fintur Technologies B.V. (Fintur) and Digital Platform Iletisim Hizmetleri A.S. (Digitürk) have been sold to a Cukurova Group company at book values of Euro 42,220,925 and NTL 106,040,666, respectively.Fiskobirlik agreement02 Jan 2006On 30 December 2005, our Bank signed a protocol with the Undersecretariat of Treasury and Fiskobirlik for the settlement of its receivable related with loans extended to Fiskobirlik. According to this protocol, our Bank's receivable as of 30 November 2005 has been determined as NTL 152,437,821.

Capital increase23 Dec 2005In the Board of Directors' Meeting held on December 22, 2005, it has been decided that the capital of our Bank be increased from YTL 752,344,693.18 to YTL 1,896,662,493.80 by an increase of YTL 1,144,317,800.62, the whole increase amount of YTL 1,144,317,800.62 be met from the subsidiary sales income and for this purpose, the article 8 of articles of association be amended as set out in the attached text of amendment and a provisional article be added to the articles of association regarding dematerialization of the capital market instruments.First nine months 2005 Consolidated Results15 Dec 2005Yapı Kredi closed the third quarter of 2005 with a consolidated cumulative loss of YTL 2.595 mln;Transfer of Turkcell shares28 Nov 2005With regards to our announcement on Turkcell on November 25, 2005, the transfer of Turkcell Holding A.S. shares with a nominal value of TL 91,371,168,250,487 (20.02% of the company's equity) to Intercon Danismanlik ve Egitim Hizmetleri A.S., a Çukurova Group company and Turkcell Iletisim Hizmetleri A.S. shares with a nominal value of TL 54,527,523,978,000 (2.94% of the company's equity) to Çukurova Investments N.V. has been finalized and the total proceeds of NTL 1,638,001,443.71 has been received in cash.Turkcell option25 Nov 2005With its notice dated November 25, 2005, Çukurova Holding stated that it would use the option to acquire our Bank's Turkcell Holding and Turkcell Iletisim shares in line with the Turkcell Option Agreement, signed between Çukurova Holding and our Bank on September 28, 2005.Announcement on decisions taken during yesterday's Board of Directors Meeting29 Sep 2005In the first meeting of the members of the Board of Directors who were appointed in the Extraordinary General Assembly dated 28 September 2005 and who took office after taking oath resolved as follows:Completion of Share Transfer and Extraordinary General Shareholders Meeting28 Sep 2005Today, the transfer of 57.4% of Yapi Kredi shares held by Çukurova Group (44.5%) and Savings Deposit Insurance Fund (12.9%) to Kocbank A.S has been completed.Yapi Kredi Celebrates its 61st Year09 Sep 2005As a bank characterized with its "Firsts" and serving as a leader in the realization of changes and developments in economic, technological, cultural and social fields of activity since its foundation, Yapı Kredi has completed its 61st year of age. The bank's birthday was celebrated in Dolmabahce Palace with the opening of a picture exhibition, the most comprehensive one ever realized until now, of the renowned painter Hoca Ali Riza of Uskudar, followed by a concert presented by the recognized pianist and composer Anjelika Akbar.Extraordinary Annual General Meeting09 Sep 2005According to the letter sent by Kocbank to our Bank as of September 07, 2005, it was requested to hold the Extraordinary Annual General Meeting on September 28, 2005, to make sure that share transfer and closing are finalized as early as possible.Annual General Meeting results09 Sep 2005In the Annual General Meeting held on March 31, 2005;Annual General Meeting01 Apr 2005In the Board of Directors Meeting held on March 10, 2005, it was decided;Interest payment28 Feb 2005An our news release dated January 3, 2005, we had announced that:Share Transfer Agreement with KFS01 Feb 2005According to the announcement made by Çukurova Holding to Istanbul Stock Exchange that was also submitted to our Bank yesterday,Dr. Reha Yolalan's appointment & option for Turkcell Iletisim shares28 Jan 2005In our Board of Directors meeting held on January 27, 2005, it was decided;Permission for due diligence18 Jan 2005In its notice to our Bank dated January 17, 2005, Çukurova Holding A.S. has stated that they have decided to start exclusive talks with Koç Financial Services Interest payment03 Jan 2005According to the Financial Restructuring Agreement signed between our Bank and Çukurova Group companies on December 31, 2002, the total interest due to our Bank on December 31, 2004 was US$ 101,761,556.

World receives the "Sustained Leadership" Award from VISA11 Dec 2004Worldcard has remained the leading credit card ever since it entered the credit card market in 1988 and was awarded the "Sustained Leadership in Credit Card Volumes" award from VISA, one of the world's leading payment systems. With almost 70 thousand member businesses and 4.3 million card users, the fact that it has maintained its leading position with the new initiatives and opportunities it has brought to the market was a primary reason that this important award with given to Worldcard.At Yapi Kredi loans and deposits are growing rapidly28 Nov 2004Yapi Kredi's total assets have grown 6% since June 2004, totaling 24.6 quadrillion TL. Our total deposits, totaling 14.6 quadrillion TL, increased by 5% in the third quarter of this year.Mandate to Yapi Kredi Yatirim12 Nov 2004In the Board of Directors' Meeting held on November 11, 2004, the Management was authorized to mandate Yapi Kredi Yatırım for the sale of our Bank's shares in Digital Platform İletişim Hizmetleri A.Ş., Süper On-Line Uluslararası Elektronik Bilgilendirme ve Haberleşme Hizmetleri A.Ş. and Fintur Technologies B.V.Developments on YKB and Cukurova Deal15 Oct 2004As we have not received the initial payment expected per the Supplementary Agreement to the Financial Restructuring Agreement on 12.10.2004, the asset sale and also the early repayment clauses of the Supplementary Agreement have become invalid.Developments on YKB and Cukurova Deal13 Oct 2004Please note that, as we have not received the initial payment (as per the Supplementary Agreement to the Financial Restructuring Agreement signed between Yapı Kredi Bank and Cukurova Group on 20.07.2004) on 12.10.2004, the asset sale clauses of the Supplementary Agreement have become invalid.Developments on YKB and Cukurova Deal12 Oct 2004Please note that we have not received as of yesterday the initial payment (as per the Supplementary Agreement to the Financial Restructuring Agreement signed between Yapı Kredi Bank and Cukurova Group on 20.07.2004) that Çukurova Group had stated would be made until 11.10.2004.YKB and Cukurova Restructuring Deal01 Oct 2004As per the Supplementary Agreement to the Financial Restructuring Agreement signed between Yapi Kredi Bank and Cukurova Group on 20.07.2004, it was announced that the initial payment would be made in the first week of September 2004.Yapi Kredi, Turkey's first private bank, celebrates it 60th birthday09 Sep 2004Yapı Kredi, Turkey's first private bank, also has the distinction of being the first bank in Turkey to start Neighborhood Branches and Saving Deposit Banking, to use computers in the banking sector, to introduce credit cards to consumers and private banking for "individuals".YKB and Cukurova Restructuring Deal08 Aug 2004On July 20, 2004, Yapi Kredi and Çukurova Group have agreed on the amendment to the Financial Restructuring Agreement dated December 31, 2002.Agreement between BRSA and Cukurova Group21 Jul 2004Please be informed that the application made by Çukurova Group to our Bank, regarding the early redemption of the existing debt that was restructured on 31.12.2002 under the Financial Restructuring Agreement, was evaluated and finalized at the Board of Directors Meeting held on 20.07.2004.Organizational change22 Apr 2004Please be informed that Mr. Birol Yücel, Chief Financial Officer in charge of Financial Affairs and Investor Relations, will be leaving Yapı ve Kredi Bank A.Ş. His resignation will take effect on May 3, 2004.Annual General Meeting results31 Mar 2004In the Annual General Meeting held on March 31, 2004;Çukurova interest payment26 Feb 2004In the Board of Directors meeting held on February 26, 2004, it was decided;

Çukurova Holding's application31 Dec 2003In its written application dated December 30, 2003 that was submitted to our Bank today, Çukurova Holding A.S. has stated that:Fiskobirlik receivable26 Dec 2003In the Board of Directors meeting held on December 25, 2003, it has been decided to take legal action against the Turkish Treasury on the grounds of the fact that:Securitization05 Dec 2003Yapi ve Kredi Bankasi A.S. has successfully completed a US$200 million Diversified Payment Rights Securitization Transaction. The maturity of the transaction is 1 year with an option to extend to a 5-year maturity subject to certain conditions. Standard Chartered Bank has acted as the Sole Arranger of this transaction, which has been rated BBB by Fitch Ratings.Digital Platform17 Sep 2003In the Board of Directors' Meeting held on September 16, 2003;Worldonline: An internet site specially designed for Worldcard users07 Jul 2003Worldonline is packed with brand-new features and services that address the needs of Worldcard users, who can access their account statements, learn their billing dates, and track their expenditures...A brand-new service from Yapi Kredi: Online loans02 Jul 2003One-click retail loans! Yapi Kredi customers can now apply for all their retail loans on-line over the internet Annual General Meeting Results31 Mar 2003In the Annual General Meeting held on March 31st, 2003;Protocol signed between BRSA and Cukurova Group27 Jan 2003Banking Regulation and Supervision Agency (BRSA) has today announced that the negotiations between Cukurova Group and BRSA, to protect the rights of depositors of Pamukbank, to resolve the ownership of Yapı Kredi Bank and to ensure the stability of the financial system, have been concluded and a protocol including the below items has been signed.Details of Financial Restructuring02 Jan 2003As we had previously announced, in our Board of Directors' Meeting held on December 25, 2002; it was decided to apply to Turkiye Sinai Kalkinma Bankasi A.S (the Financial Restructuring Program Coordination Secretariat), as the Leader Bank for the financial restructuring (Istanbul Approach) of our Bank's receivables from Cukurova Holding A.S. and its companies.

Financial Restructuring26 Dec 2002In the Board of Directors' Meeting held on December 25, 2002;Announcement about September 16, 2002 deadline17 Sep 2002It was announced by Banking Regulation and Supervision Agency (BRSA) on September 16, 2002 that:Fintur Holding22 Aug 2002As was previously announced on February 28, 2002; in context of Cukurova Group's restructuring its investments in telecommunications and technology sectors, a letter of intent was signed on February 28,2002 to transfer our Bank's shares in Fintur Holding B.V. (with total share capital of 540 million Euro) of 75,090,128 Euro nominal value (13.91%) to Sonera Holding B.V. and Turkcell Iletisim A.S. Within this context, a share purchase agreement was signed on May 10, 2002 and was announced on the same date.Result of Annual General Meeting24 Jul 2002In the Annual General Meeting held on July 24th, 2002;Notice of Annual General Meeting28 Jun 2002In the Board of Directors Meeting held on June 27th, 2002, it was decided to hold the Annual General Meeting, on July 24th, 2002, Wednesday at 15:00 at Yapı Kredi Plaza D Blok Head Office Conference Hall, Levent - ISTANBUL.Yapi Kredi released 2001 year-end results24 Jun 2002As a result of the special audit process and the evaluations made by Banking Regulatory and Supervisory Agency (BRSA), our Bank's capital adequacy ratio according to inflation adjusted unconsolidated financial statements as of December 31,2001 has been computed as 10.21%.Yapi Kredi decided to join forces with Pamukbank11 Jun 2002At the meeting of Board of Directors' of Yapi Kredi Bank dated June 10th, 2002;Moody's assigns first-time ratings to Yapi ve Kredi Bankasi (Turkey)17 Apr 2002Moody's Investors Service announced today that it has assigned B3 long-term and Not Prime short-term foreign currency deposit ratings (stable outlook) to Yapi ve Kredi Bankasi (YKB), and a Bank Financial Strength rating of D (stable outlook). In addition, Moody's has assigned Baa2 and Prime-2 ratings to long-term and short-term deposits denominated in Turkish Lira.Board of Directors' decision28 Feb 2002In the Board of Directors' Meeting held on February 28, 2002;

US $225,000,000 Syndicated Loan Facility28 Dec 2001The Bank of Tokyo-Mitsubishi, Ltd., Barclays Capital, the investment banking division of Barclays Bank PLC, Commerzbank Aktiengesellschaft, The Dai-Ichi Kangyo Bank, Limited, First Union National Bank, Natexis Banques Populaires, Standard Chartered Bank and Sumitomo Mitsui Banking Corporation (the "Joint Arrangers", each a "Joint Arranger") are pleased to announce that syndication for the US$150,000,000 one year Syndicated Term Loan Facility (the "Facility") for Yapi ve Kredi Bankasi A.S. (the "Borrower" or "Yapi") has successfully closed oversubscribed and was signed in London today. As a result of the oversubscription the Borrower has elected to increase the Facility amount to US$225,000,000.US $150,000,000 Term Loan04 Dec 2001The Bank of Tokyo-Mitsubishi, Ltd., Barclays Capital, the investment banking division of Barclays Bank PLC, Commerzbank Aktiengesellschaft, The Dai-Ichi Kangyo Bank, Limited, First Union National Bank, Natexis Banques Populaires, Standard Chartered Bank and Sumitomo Mitsui Banking Corporation (the "Joint Arrangers", each a "Joint Arranger") have been mandated by Yapi ve Kredi Bankasi A.S. (the "Borrower" or "Yapi") to arrange a US$150,000,000 one year Syndicated Term Loan Facility (the "Facility").US $350,000,000 Term Loan Facility03 Sep 2001Alpha Bank A.E., The Bank of New York, The Bank of Tokyo-Mitsubishi, Ltd., Barclays Capital, the investment banking division of Barclays Bank PLC, HVB Group (Bayerische Hypo- und Vereinsbank AG/Vereins- und Westbank AG), BayernLB, Citibank N.A., Crédit Agricole Indosuez, Deutsche Bank AG, Dresdner Kleinwort Wasserstein, First Union National Bank, ING Group (ING Barings/BBL/BHF- BANK), Natexis Banques Populaires and The Sanwa Bank, Limited (the "Joint Arrangers", each a "Joint Arranger") are pleased to announce that the above Facility was signed today in Frankfurt.US $200,000,000 Term Loan Facility24 Jul 2001Alpha Bank A.E., The Bank of New York, The Bank of Tokyo-Mitsubishi, Ltd., Barclays Capital, the investment banking division of Barclays Bank PLC, HVB Group (Bayerische Hypo- und Vereinsbank AG/Vereins- und Westbank AG), BayernLB, Citibank N.A., Crédit Agricole Indosuez, Deutsche Bank AG, Dresdner Kleinwort Wasserstein, First Union National Bank, ING Group (ING Barings/BBL/BHF- BANK), Natexis Banques Populaires and The Sanwa Bank, Limited (the "Joint Arrangers", each a "Joint Arranger") have been mandated by Yapi ve Kredi Bankasi A.?. to arrange a US$200,000,000 one year Syndicated Term Loan Facility (the "Facility").2000 year-end IAS 29 Financial Statements08 May 2001According to consolidated inflation adjusted financial statements, the total assets of Yapi ve Kredi Bankasi A.S. (Yapı Kredi) increased by 11.2% in 2000 and reached TL 8,842 trillions (US$ 13,163 millions).Share Capital Increase10 Apr 2001In the Annual General Meeting held on April 9th, 2001;Share Capital Increase08 Feb 2001In the Board of Directors Meeting held on February 8th, 2001;Yapi Kredi Sigorta & Yapi Kredi Yasam Sigorta02 Jan 2001The names of Halk Sigorta and Halk Yasam Sigorta which have been active in insurance and life insurance sectors since 1943 and 1991 respectively are changed to Yapı Kredi Sigorta and Yapı Kredi Yasam Sigorta in order to create synergy with Yapi ve Kredi Bankasi under one name which will lead to more effective and influential introduction of products.

Recent Developments & Yapi Kredi05 Dec 2000Recent Economic Developments in Turkey As of November 22nd, the financial markets entered into turmoil due to an extreme liquidity squeeze. It can be said that the recent liquidity problem emerged mainly from the changes in the behaviour of the banking sector.US $300,000,000 Club Facility29 Sep 2000Yapi ve Kredi Bankasi a.s. US$ 300,000,000 One Year Club Loan Facility Please be informed that Yapi ve Kredi Bankasi A.S. ("Yapi Kredi") have closed a US$300 million self arranged club loan facility which renews an existing 1 year US$170 million facility.Turkcell IPO_Greenshoe10 Sep 2000On July 11, 2000 it was announced that in accordance with the July 10th, 2000 dated correspondence that was sent from Yapi Kredi Yatirim Menkul De?erler A.S, TL 2.4 trillion nominal value of Turkcell Iletisim Hizmetleri A.S. shares were sold in the Initial Public Offering by TL 44,000 price per share (TL 105.6 trillion in total) and TL 104.1 trillion gain on sale of these shares, will be used for share capital increase of Yapi Kredi Bank in accordance with the temporary Article no 28 of the Corporate Tax Legislation (Tax Holiday).US $450,000,000 Term Loan11 Jul 2000Record amount raised by Yapi ve Kredi Bankasi A.S syndicate.Turkcell IPO23 Jun 2000In the Board of Directors' Meeting held on June 23rd, 2000, the representatives of Yapı Kredi Bank who will be responsible to pursue all the legal and regulatory issues related with the Turkcell Iletisim Hizmetleri A.S. ("Turkcell") Initial Public Offering was appointed.Superonline and Mobicom06 Jun 2000In the Board of Directors' Meeting held on Jun 6th, 2000 it was decided:Superonline and Mobicom08 May 2000In the Board of Directors' Meeting held on May 8th, 2000 it was decided:Fintur03 May 2000Referring to the news release made by Yapi Kredi Bank as of February 23rd, 2000, it was announced that the Board of Directors' has decided to participate the share capital increase of Fintur Holdings B.V to Euro equivalent of $360,000,000, which was established in Holland to invest in companies in telecommunications sector.Distribution of bonus shares13 Apr 2000In the Annual General Meeting held on April 7th, 2000;Financial Figures16 Feb 2000Ladies and Gentlemen, According to the Capital Markets Board announcement dated February 8, 2000, the companies listed in Istanbul Stock Exchange were required to release 1999 income statement which should be provided to the tax office as an attachment of the prepaid tax declaration as of February 15, 2000.Mandate for Turkcell IPO14 Feb 2000Further to the announcement that we have received from our subsidiary, Turkcell Iletisim Hizmetleri A.S, today, please be informed that Goldman Sachs and Morgan Stanley Dean Witter has been appointed as the joint lead managers for the IPO of Turkcell which is to be completed within year 2000.Increase in share capital08 Feb 2000In the Board of Directors Meeting held on February 2nd, 2000;