ARAP TÜRK BANKASI A.Ş. Bank Financial Report Unconsolidated Monthly Notification

KAMUYU AYDINLATMA PLATFORMU ARAP TÜRK BANKASI A.Ş. Bank Financial Report Unconsolidated 2016-3. 3 Monthly Notification General Information About Financial Statements

Independet Audit Comment Independent Audit Company Audit Type Audit Result AKİS BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş. Limited Partial Positive ARA DÖNEM FİNANSAL BİLGİLERE İLİŞKİN SINIRLI DENETİM RAPORU Arap Türk Bankası Anonim Şirketi Yönetim Kurulu'na, Konsolide Olmayan Finansal Tablolara İlişkin Rapor Arap Türk Bankası A.Ş.'nin ("Banka") 30 Eylül 2016 tarihli ilişikteki konsolide olmayan bilançosunun ve aynı tarihte sona eren dokuz aylık döneme ait konsolide olmayan gelir tablosunun, konsolide olmayan özkaynaklarda muhasebeleştirilen gelir gider kalemlerine ilişkin tablonun, konsolide olmayan özkaynak değişim tablosunun ve konsolide olmayan nakit akış tablosu ile önemli muhasebe politikalarının özetinin ve diğer açıklayıcı dipnotlarının sınırlı denetimini yürütmüş bulunuyoruz. Banka yönetimi, söz konusu ara dönem finansal bilgilerin 1 Kasım 2006 tarihli ve 26333 sayılı Resmi Gazete'de yayımlanan "Bankaların Muhasebe Uygulamalarına ve Belgelerin Saklanmasına İlişkin Usul ve Esaslar Hakkında Yönetmelik" ve Bankacılık Düzenleme ve Denetleme Kurulu tarafından bankaların hesap ve kayıt düzenine ilişkin yayımlanan diğer düzenlemeler ile Bankacılık Düzenleme ve Denetleme Kurumu ("BDDK") genelge ve açıklamaları ve bunlar ile düzenlenmeyen konularda Türkiye Muhasebe Standardı 34 Ara Dönem Finansal Raporlama Standardı hükümlerini içeren; "BDDK Muhasebe ve Finansal Raporlama Mevzuatı"na uygun olarak hazırlanmasından ve gerçeğe uygun bir biçimde sunumundan sorumludur. Sorumluluğumuz, yaptığımız sınırlı denetime dayanarak söz konusu ara dönem finansal bilgilere ilişkin bir sonuç bildirmektir. Sınırlı Denetimin Kapsamı Yaptığımız sınırlı denetim, Sınırlı Bağımsız Denetim Standardı (SBDS) 2410 "Ara Dönem Finansal Bilgilerin, İşletmenin Yıllık Finansal Tablolarının Bağımsız Denetimini Yürüten Denetçi Tarafından Sınırlı Bağımsız Denetimi"ne uygun olarak yürütülmüştür. Ara dönem finansal bilgilere ilişkin sınırlı denetim, başta finans ve muhasebe konularından sorumlu kişiler olmak üzere ilgili kişilerin sorgulanması ve analitik prosedürler ile diğer sınırlı denetim prosedürlerinin uygulanmasından oluşur. Ara dönem finansal bilgilerin sınırlı denetiminin kapsamı; Bağımsız Denetim Standartlarına uygun olarak yapılan ve amacı finansal tablolar hakkında bir görüş bildirmek olan bağımsız denetimin kapsamına kıyasla önemli ölçüde dardır. Sonuç olarak ara dönem finansal bilgilerin sınırlı denetimi, denetim şirketinin, bir bağımsız denetimde belirlenebilecek tüm önemli hususlara vakıf olabileceğine ilişkin bir güvence sağlamamaktadır. Bu sebeple, bir bağımsız denetim görüşü bildirmemekteyiz. Şartlı Sonucun Dayanağı 30 Eylül 2016 tarihi itibarıyla hazırlanan ilişikteki konsolide olmayan finansal tablolar, Banka yönetimi tarafından ekonomide ve piyasalarda meydana

gelebilecek olumsuz gelişmelerin olası etkileri nedeniyle ayrılan ve 7,000 TL' si cari dönemde gider yazılan toplam 16,000 Bin TL tutarında serbest karşılığı içermektedir. Şartlı Sonuç Sınırlı denetimimize göre, şartlı sonucun dayanağı paragrafında belirtilen hususun finansal tablolar üzerindeki etkileri haricinde, ilişikteki ara dönem konsolide olmayan finansal bilgilerin, Arap Türk Bankası A.Ş.'nin 30 Eylül 2016 tarihi itibarıyla finansal durumunun, aynı tarihte sona eren dokuz aylık döneme ilişkin finansal performansının ve nakit akışlarının BDDK Muhasebe ve Finansal Raporlama Mevzuatı'na uygun olarak tüm önemli yönleriyle gerçeğe uygun bir biçimde sunulmadığı kanaatine varmamıza sebep olacak herhangi bir husus dikkatimizi çekmemiştir. Mevzuattan Kaynaklanan Diğer Yükümlülüklere İlişkin Rapor Sınırlı denetimimiz sonucunda, ilişikte sekizinci bölümde yer verilen ara dönem faaliyet raporunda yer alan finansal bilgilerin sınırlı denetimden geçmiş ara dönem finansal tablolar ve açıklayıcı notlarda verilen bilgiler ile, tüm önemli yönleriyle, tutarlı olmadığına dair herhangi bir hususa rastlanmamıştır. Diğer Husus Banka'nın 31 Aralık 2015 tarihinde sona eren hesap dönemine ait finansal tablolarının tam kapsamlı denetimi ve 30 Eylül 2015 tarihinde sona eren dokuz aylık ara hesap dönemine ait finansal tablolarının sınırlı denetimi başka bir bağımsız denetim şirketi tarafından gerçekleştirilmiş olup, söz konusu bağımsız denetim şirketi 28 Ocak 2016 tarihli tam kapsamlı denetim raporunda ve 30 Ekim 2015 tarihli sınırlı bağımsız denetim raporunda sırasıyla şartlı görüş ve sonuç bildirmiştir. Akis Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş. A member of KPMG International Cooperative Murat Alsan, SMMM Sorumlu Denetçi 26 Ekim 2016 İstanbul, Türkiye

Statement of financial position [abstract] Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Current Period 30.09.2016 Previous Period 31.12.2015 TL FC Total TL FC Total Balance Sheet (Statement of Financial Position) ASSET ITEMS CASH AND CASH BALANCES AT CENTRAL BANK (1) 9.732 1.016.120 1.025.852 8.453 849.701 858.154 FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS (Net) (2) 251 463.048 463.299 14.220 194.122 208.342 Financial Assets Held For Trading 251 463.048 463.299 14.220 194.122 208.342 Public Debt Securities 0 359.244 359.244 14.220 101.821 116.041 Equity instruments Derivatives Classified As Financial Assets Held For Trading 251 0 251 0 Other Securities 0 103.804 103.804 0 92.301 92.301 Financial Assets Designated at Fair Value Through Profit or Loss Public Debt Securities Equity instruments Loans Other Securities BANKS (3) 9.153 1.094.301 1.103.454 4.752 1.201.947 1.206.699 RECEIVABLES FROM MONEY MARKETS Receivables From Interbank Money Markets Receivables From BIST Takasbank Money Market Receivables From Reverse Repo Transactions AVAILABLE FOR SALE FINANCIAL ASSETS (Net) (4) 224 1.201 1.425 224 1.164 1.388 Equity instruments 224 1.201 1.425 224 1.164 1.388 Public Debt Securities Other Securities LOANS AND RECEIVABLES (5) 675.393 731.607 1.407.000 767.109 590.794 1.357.903 Loans and Receivables 673.375 731.607 1.404.982 765.166 590.794 1.355.960 Loans to Bank"s Risk Group 0 262.529 262.529 0 89.650 89.650 Public Debt Securities Other 673.375 469.078 1.142.453 765.166 501.144 1.266.310 Non-performing Loans 16.482 0 16.482 13.211 0 13.211 Specific Provisions (-) -14.464 0-14.464-11.268 0-11.268 FACTORING RECEIVABLES HELD TO MATURITY INVESTMENTS (Net) (6) 31.582 290.232 321.814 17.604 263.954 281.558 Public Debt Securities 9.927 233.157 243.084 1.038 231.020 232.058 Other Securities 21.655 57.075 78.730 16.566 32.934 49.500 INVESTMENTS IN ASSOCIATES (Net) (7)

Associates Accounted for Using Equity Method Unconsolidated Associates Financial Associates Non-Financial Associates INVESTMENTS IN SUBSIDIARIES (Net) (8) 77.211 0 77.211 70.213 0 70.213 Unconsolidated Financial Subsidiaries 77.211 0 77.211 70.213 0 70.213 Unconsolidated Non-Financial Subsidiaries JOINTLY CONTROLLED PARTNERSHIPS (JOINT VENTURES) ( Net) Jointly Controlled Partnerships Accounted for Using Equity Method Unconsolidated Jointly Controlled Partnerships (Joint Ventures) (9) Financial Joint Ventures Non-Financial Joint Ventures RECEIVABLES FROM LEASING TRANSACTIONS (10) Finance lease receivables Operating Lease Receivables Other Unearned Income (-) DERIVATIVE FINANCIAL ASSETS HELD FOR CASH FLOW HEDGES (11) Fair Value Hedges Cash Flow Hedges Hedge of Net Investments In A Foreign Operation TANGIBLE ASSETS (Net) 18.624 0 18.624 19.611 0 19.611 INTANGIBLE ASSETS AND GOODWILL (Net) 2.116 0 2.116 2.648 0 2.648 Goodwill Other 2.116 0 2.116 2.648 0 2.648 INVESTMENT PROPERTY (Net) (12) TAX ASSETS (13) 4.444 0 4.444 2.83 2.830 Current tax assets Deferred Tax Asset 4.444 0 4.444 2.83 2.830 NON-CURRENT ASSETS OR DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE FROM DISCONTINUED OPERATIONS (Net ) (14) 8 0 8 9 0 9 Held for Sale 8 0 8 9 0 9 Non-Current Assets From Discontinued Operations OTHER ASSETS (15) 21.962 1.467 23.429 10.823 3.114 13.937 TOTAL ASSETS 850.700 3.597.976 4.448.676 918.496 3.104.796 4.023.292 LIABILITY AND EQUITY ITEMS DEPOSITS (1) 78.645 3.638.732 3.717.377 62.350 3.285.366 3.347.716 Deposits from the Bank"s Risk Group 53.216 2.745.814 2.799.030 74 2.479.980 2.480.054 Other 25.429 892.918 918.347 62.276 805.386 867.662 DERIVATIVE FINANCIAL LIABILITIES HELD FOR TRADING (2) 0 753 0 753 LOANS RECEIVED (3) 1.564 4.108 5.672 2.499 874 3.373 MONEY MARKET FUNDS 5.098 0 5.098 3.493 0 3.493 Funds From Interbank Money Market Funds From Takasbank Money Market Funds Provided Under Repurchase Agreements 5.098 0 5.098 3.493 0 3.493 MARKETABLE SECURITIES (Net) Bills

Asset-backed Securities Bonds FUNDS Borrower funds Other MISCELLANEOUS PAYABLES 370 2.913 3.283 257 755 1.012 OTHER LIABILITIES (4) 20.855 11.426 32.281 9.543 4.407 13.950 FACTORING PAYABLES LEASE PAYABLES (5) Finance Lease Payables Operating Lease Payables Other Deferred Finance Lease Expenses (-) DERIVATIVE FINANCIAL LIABILITIES HELD FOR CASH FLOW HEDGES (6) Fair Value Hedges Cash Flow Hedges Foreign Net Investment Hedges PROVISIONS (7) 49.995 1.779 51.774 38.381 1.264 39.645 General Loan Loss Provisions 23.006 0 23.006 20.07 20.070 Provision for Restructuring Reserves for Employee Benefits 10.696 0 10.696 9.018 0 9.018 Insurance Technical Reserves (Net) Other provisions 16.293 1.779 18.072 9.293 1.264 10.557 TAX LIABILITIES (8) 6.084 0 6.084 11.527 0 11.527 Current tax liabilities 6.084 0 6.084 11.527 0 11.527 Deferred tax liabilities LIABILITIES RELATED TO ASSETS HELD FOR SALE AND DISCONTINUED OPERATIONS (Net) Held For Sale Related to Discontinued Operations SUBORDINATED DEBT EQUITY (9) 627.107 0 627.107 601.823 0 601.823 Issued capital 440.00 440.000 440.00 440.000 Capital Reserves -2.766 0-2.766-2.131 0-2.131 Equity Share Premiums Share Cancellation Profits Marketable Securities Value Increase Funds Tangible Assets Revaluation Reserve Intangible Assets Revaluation Reserve Investment Property Revaluation Reserve Bonus Shares Obtained from Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Hedging Reserves (Effective Portion) Accumulated Revaluation Reserves on Assets Held for Sale and Discontinued Operations Other Capital Reserves -2.766 0-2.766-2.131 0-2.131 Profit Reserves 18.662 0 18.662 15.189 0 15.189 Legal Reserves 18.662 0 18.662 15.189 0 15.189 Statutory Reserves Extraordinary Reserves Other Profit Reserves

Profit or Loss 171.211 0 171.211 148.765 0 148.765 Prior Years' Profit/Loss 123.292 0 123.292 78.659 0 78.659 Current Period Net Profit Or Loss 47.919 0 47.919 70.106 0 70.106 Non-controlling Interests TOTAL EQUITY AND LIABILITIES 789.718 3.658.958 4.448.676 730.626 3.292.666 4.023.292

OFF-BALANCE SHEET ITEMS Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Current Period 30.09.2016 Previous Period 31.12.2015 TL FC Total TL FC Total STATEMENT OF OFF-BALANCE SHEET ITEMS OFF-BALANCE SHEET COMMITMENTS 228.450 2.209.438 2.437.888 246.402 2.255.621 2.502.023 GUARANTIES AND WARRANTIES (1),(2) 179.950 2.103.529 2.283.479 195.367 2.167.043 2.362.410 Letters of Guarantee 179.950 1.690.578 1.870.528 193.117 1.681.746 1.874.863 Guarantees Subject to State Tender Law 108 171 279 4.559 166 4.725 Guarantees Given for Foreign Trade Operations 44.101 1.497.717 1.541.818 49.905 1.471.161 1.521.066 Other Letters of Guarantee 135.741 192.690 328.431 138.653 210.419 349.072 Bank Acceptances 0 4.943 4.943 0 Import Letter of Acceptance Other Bank Acceptances 0 4.943 4.943 0 Letters of Credit 0 225.935 225.935 0 283.579 283.579 Documentary Letters of Credit Other Letters of Credit 0 225.935 225.935 0 283.579 283.579 Prefinancing Given as Guarantee Endorsements Endorsements to the Central Bank of Turkey Other Endorsements Purchase Guarantees for Securities Issued Factoring Guarantees Other Guarantees 0 182.073 182.073 2.250 201.718 203.968 Other Collaterals COMMITMENTS (1) 18.758 75.950 94.708 6.394 44.964 51.358 Irrevocable Commitments 18.758 75.950 94.708 6.394 44.964 51.358 Forward Asset Purchase Commitments 13.163 16.032 29.195 0 Time Deposit Purchase and Sales Commitments 0 59.918 59.918 0 44.964 44.964 Share Capital Commitments to Associates and Subsidiaries Loan Granting Commitments 2.40 2.400 3.265 0 3.265 Securities Issue Brokerage Commitments Commitments for Reserve Requirements Commitments for Cheque Payments 3.195 0 3.195 3.129 0 3.129 Tax and Fund Liabilities Arised from Export Commitments Commitments for Credit Card Limits Commitments for Credit Cards and Banking Services Promotions Receivables from Short Sale Commitments of Marketable Securities

Payables for Short Sale Commitments of Marketable Securities Other Irrevocable Commitments Revocable Commitments Revocable Loan Granting Commitments Other Revocable Commitments DERIVATIVE FINANCIAL INSTRUMENTS 29.742 29.959 59.701 44.641 43.614 88.255 Derivative Financial Instruments Held For Hedging Fair Value Hedges Cash Flow Hedges Hedges of Net Investment in Foreign Operations Derivative Financial Instruments Held For Trading 29.742 29.959 59.701 44.641 43.614 88.255 Forward Foreign Currency Buy or Sell Transactions Forward Foreign Currency Buying Transactions Forward Foreign Currency Sale Transactions Currency and Interest Rate Swaps 29.742 29.959 59.701 44.641 43.614 88.255 Currency Swap Buy Transactions 0 29.959 29.959 0 43.614 43.614 Currency Swap Sell Transactions 29.742 0 29.742 44.641 0 44.641 Interest Rate Swap Buy Transactions Interest Rate Swap Sell Transactions Currency, Interest Rate and Securities Options Currency Options Buy Transactions Currency Options Sell Transactions Interest Rate Options Buy Transactions Interest Rate Options Sell Transactions Securities Options Buy Transactions Securities Options Sell Transactions Currency Futures Currency Futures Buy Transactions Currency Futures Sell Transactions Interest Rate Futures Buy and Sell Transactions Interest Rate Futures Buy Transactions Interest Rate Futures Sell Transactions Other CUSTODY AND PLEDGES RECEIVED 322.866 238.651 561.517 334.629 313.773 648.402 ITEMS HELD IN CUSTODY 202.655 3.341 205.996 235.769 8.639 244.408 Customer Fund and Portfolio Balances Securities Held in Custody Cheques Received for Collection 201.880 3.341 205.221 234.582 7.050 241.632 Commercial Notes Received for Collection 25 0 25 437 1.589 2.026 Other Assets Received for Collection Securities that will be Intermediated to Issue Other Items Under Custody 75 750 75 750 Custodians PLEDGED ITEMS 120.211 235.310 355.521 98.860 305.134 403.994 Securities Guarantee Notes 92.587 123.365 215.952 86.735 124.787 211.522 Commodity Warrant Real Estate 27.596 108.452 136.048 12.097 176.957 189.054 Other Pledged Items 28 3.493 3.521 28 3.390 3.418

Depositories Receiving Pledged Items ACCEPTED BILL, GUARANTIES AND WARRANTEES TOTAL OFF-BALANCE SHEET ACCOUNTS 551.316 2.448.089 2.999.405 581.031 2.569.394 3.150.425

Income Statement Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Current Period 01.01.2016-30.09.2016 Previous Period 01.01.2015-30.09.2015 Current Period 3 Months 01.07.2016-30.09.2016 Previous Period 3 Months 01.07.2015-30.09.2015 Income Statement INCOME AND EXPENSE ITEMS INTEREST INCOME (1) 140.250 101.029 38.324 34.555 Interest Income on Loans 81.038 64.072 25.896 22.458 Interest Income on Reserve Deposits 1.564 213 440 141 Interest Income on Banks 14.040 19.564 4.757 5.772 Interest Income on Money Market Placements 0 544 Interest Income on Marketable Securities Portfolio 43.496 16.633 7.231 6.184 Financial Assets Held for Trading 24.293 8.057 3.405 2.585 Financial Assets Designated At Fair Value Through Profit and Loss Financial Assets Available for Sale Held to Maturity Investments 19.203 8.576 3.826 3.599 Finance Lease Income Other Interest Income 112 3 INTEREST EXPENSES (2) -25.143-22.349-8.675-7.335 Interest Expenses on Deposits -24.718-21.779-8.550-7.152 Interest Expenses on Funds Borrowed -129-331 -45-75 Interest Expenses on Money Market Funds -209-239 -80-108 Interest Expenses on Securities Issued Other Interest Expense -87 0 NET INTEREST INCOME OR EXPENSE 115.107 78.680 29.649 27.220 NET FEE AND COMMISSION INCOME OR EXPENSES 27.688 36.215 9.275 11.468 Fees and Commissions Received 28.261 36.968 9.495 11.698 From Noncash Loans 15.645 15.251 5.144 5.388 Other (11) 12.616 21.717 4.351 6.310 Fees and Commissions Paid -573-753 -220-230 Paid for Noncash Loans -2-3 -1-1 Other -571-750 -219-229 DIVIDEND INCOME 7.074 5.067 TRADING INCOME OR LOSS (Net) (3) 894-3.347 890-2.064 Gains (Losses) Arising from Capital Markets Transactions 0-53 -2 Gains (Losses) Arising From Derivative Financial Transactions -4.900 915 277 1.580 Foreign Exchange Gains or Losses 5.794-4.209 613-3.642 OTHER OPERATING INCOME (4) 967 3.772 247 403 TOTAL OPERATING INCOME (EXPENSE) 151.730 120.387 40.061 37.027 PROVISION FOR LOSSES ON LOANS AND OTHER RECEIVABLES (-) (5) -35.680-17.283-6.307-7.663 OTHER OPERATING EXPENSES (-) (6) -55.103-50.900-18.115-17.167 NET OPERATING INCOME (LOSS) 60.947 52.204 15.639 12.197 AMOUNT IN EXCESS RECORDED AS GAIN AFTER MERGER PROFIT (LOSS) FROM COMPANIES ACCOUNTED FOR USING EQUITY METHOD NET MONETARY POSITION GAIN (LOSS) PROFIT (LOSS) FROM CONTINUING OPERATIONS, BEFORE TAX (7) 60.947 52.204 15.639 12.197 TAX PROVISION FOR CONTINUING OPERATIONS (+/-) -13.028-10.380-3.103-2.774 Current Tax Provision (8) -14.483-10.512-3.766-2.583 Deferred Tax Provision 1.455 132 663-191 NET PERIOD PROFIT (LOSS) FROM CONTUNUING OPERATIONS (9) 47.919 41.824 12.536 9.423 INCOME ON DISCONTINUED OPERATIONS Income on Assets Held for Sale Gain on Sale of Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Other Income on Discontinued Operations EXPENSES ON DISCONTINUED OPERATIONS (-) Expense on Assets Held for Sale Loss on Sale of Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Other Expenses on Discontinued Operations

PROFIT (LOSS) ON DISCONTINUED OPERATIONS BEFORE TAX TAX PROVISION FOR DISCONTINUED OPERATIONS (+/-) Current Tax Provision Deferred Tax Provision NET PERIOD PROFIT/LOSS FROM DISCONTINUED OPERATIONS NET PROFIT (LOSS) 47.919 41.824 12.536 9.423 Profit (Loss) Attributable to Group 47.919 41.824 12.536 9.423 Profit (loss), attributable to non-controlling interests Profit (loss) per share Profit (Loss) per Share

Statement of Income and Expense Items Accounted Under Shareholders' Equity Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Current Period 01.01.2016-30.09.2016 Previous Period 01.01.2015-30.09.2015 Current Period 3 Months 01.07.2016-30.09.2016 Previous Period 3 Months 01.07.2015-30.09.2015 Statement of Income and Expense Items Accounted Under Shareholders' Equity Income and Expense Items Accounted Under Shareholders' Equity ADDITIONS TO MARKETABLE SECURITIES VALUATION DIFFERENCES FROM AVAILABLE- FOR- SALE FINANCIAL ASSETS TANGIBLE ASSETS REVALUATION DIFFERENCES INTANGIBLE ASSETS REVALUATION DIFFERENCES FOREIGN EXCHANGE DIFFERENCES FOR FOREIGN CURRENCY TRANSACTIONS PROFIT OR LOSS ON DERIVATIVE FINANCIAL ASSETS HELD FOR CASH FLOW HEDGES (Effective Part Of Fair Value Changes) PROFIT OR LOSS ON DERIVATIVE FINANCIAL ASSETS HELD FOR CASH FLOW HEDGES OF NET FOREIGN INVESTMENT RISK (Effective Part Of Fair Value Changes) EFFECTS OF CHANGES IN ACCOUNTING POLICIES AND CORRECTIONS OF ERRORS OTHER INCOME OR EXPENSES ACCOUNTED UNDER SHAREHOLDERS' EQUITY IN ACCORDANCE WITH TURKISH ACCOUNTING STANDARDS -794-422 DEFERRED TAX RELATED TO VALUATION DIFFERENCES 159 84 NET INCOME OR EXPENSE DIRECTLY ACCOUNTED UNDER SHAREHOLDERS' EQUITY -635-338 PROFIT (LOSS) 47.919 41.824 Net Change in Fair Value of Securities (Transfer to Profit Or Loss) Part of Derivative Financial Assets Held for Cash Flow Hedges Reclassified and Presented in Income Statement The Part of Derivative Financial Assets Held for Net Foreign Investment Hedges Reclassified and Presented in Income Statement Other 47.919 41.824 TOTAL PROFIT OR LOSS ACCOUNTED FOR THE PERIOD 47.284 41.486

Statement of Cash Flow Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Current Period 01.01.2016-30.09.2016 Previous Period 01.01.2015-30.09.2015 Statement of Cash Flow CASH FLOWS FROM USED IN BANKING OPERATIONS Operating Profit Before Changes in Operating Assets and Liabilities 55.117 46.728 Interest Received 140.250 134.954 Interest Paid -18.277-15.104 Dividends received Fees and Commissions Received 28.261 36.968 Other Gains -4.937 3.815 Collections from Previously Written Off Loans and Other Receivables 25 17.459 Cash Payments to Personnel and Service Suppliers -45.964-44.429 Taxes Paid -20.085-9.643 Other -24.156-77.292 Changes in Operating Assets and Liabilities Subject to Banking Operations Net (Increase) Decrease in Financial Assets Held for Trading Net (Increase) Decrease in Financial Assets at Fair Value through Profit or Loss -326.599-36.629-252.531-33.958 Net (Increase) Decrease in Due From Banks -379.941 14.466 Net (Increase) Decrease in Loans -53.959-162.293 Net (Increase) Decrease in Other Assets -9.491-9.196 Net Increase (Decrease) in Bank Deposits 364.681 186.822 Net Increase (Decrease) in Other Deposits -12.217-48.648 Net Increase (Decrease) in Funds Borrowed -4.712-10.499 Net Increase (Decrease) in Matured Payables Net Increase (Decrease) Other Liabilities 21.571 26.677 Net Cash Provided From Banking Operations -271.482 10.099 CASH FLOWS FROM (USED IN) INVESTING ACTIVITIES Net cash flows from (used in) investing activities -31.594-39.433 Cash Paid for Purchase of Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Cash Obtained from Sale of Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Tangible And Intangible Asset Purchases -780-127 Cash Obtained from Tangible and Intangible Asset Sales -2 0 Cash Paid for Purchase of Financial Assets Available for Sale Cash Obtained from Sale of Financial Assets Available for Sale Cash Paid for Purchase of Investment Securities Held to Maturity Cash Obtained from Sale of Investment Securities Held to Maturity -186.172-79.383 155.798 40.558 Other -438-481 CASH FLOWS FROM (USED IN) FINANCING ACTIVITIES Net cash flows from (used in) financing activities -22.00 Cash Obtained from Loans and Securities Issued Cash Outflow Arised From Loans and Securities Issued Equity Instruments Issued Dividends paid -22.000 Payments of finance lease liabilities Other Effect of Change in Foreign Exchange Rate on Cash and Cash Equivalents 6.406 22.863 Net Increase (Decrease) in Cash and Cash Equivalents -318.670-6.471 Cash and Cash Equivalents at Beginning of the Period 1.755.480 1.681.079 Cash and Cash Equivalents at End of the Period 1.436.810 1.674.608

Statement of Changes in Equity Presentation Currency Nature of Financial Statements 1.000 TL Unconsolidated Footnote Reference Issued Issued Capital Inflation Capital Adjustment Difference Share Premium Share Cancellation Profit Legal Statutory Reserves Reserves Extraordinary Reserves Other Reserves Current Period Net Profit (Loss) Prior Years' Profits or Losses Marketable Securities Revaluation Differences Tangible and Intangible Assets Revaluation Reserve Bonus Shares from Investments Hedge Reserves Accumulated Revaluation Reserves on Assets Held for Sale and Discontinued Operations Total Equity Except from Non-controlling Non-controlling Interests Interests Total Equity Statement of Changes in Equity Statement of Changes in Equity Previous Period 01.01.2015-30.09.2015 Equity at beginning of period 440.00 11.663-1.660 70.506 11.678 0 532.187 0 532.187 Adjustments Related to TMS 8 Effect Of Corrections Effect Of Changes In Accounting Policy Adjusted Beginning Balance 440.00 11.663-1.660 70.506 11.678 0 532.187 0 532.187 CHANGES IN THE PERIOD Increase/Decrease due to Mergers Marketable Securities Value Increase Funds Hedge Reserves (Effective Portion) Cash Flow Hedges Net Foreign Investment Hedges Tangible Assets Revaluation Reserve Intangible Assets Revaluation Reserve Bonus Shares Obtained from Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Translation Differences Changes Arised from the disposal of Assets Changes Arised From the reclassification of Assets The Effects Of Changes In Partipication Equity On Bank Equity Issue of equity Cash Increase Capital Increase Through Internal Reserves Share Issuance Premium Share Cancellation Profit Issued Capital Inflation Adjustment Difference Other 0-338 0-338 0-338 Profit (loss) for the Period 41.824 41.824 0 41.824 Profit Distributions 3.526 0-70.506 66.981 0 1 0 1 Dividends Paid Transfers To Reserves 3.526 0-70.506 66.981 0 1 0 1 Other Equity at end of period 440.00 15.189-1.998 41.824 78.659 0 573.674 0 573.674 Statement of Changes in Equity Statement of Changes in Equity Current Period 01.01.2016-30.09.2016 Equity at beginning of period 440.00 15.189-2.131 70.106 78.659 0 601.823 0 601.823 Adjustments Related to TMS 8 Effect Of Corrections Effect Of Changes In Accounting Policy Adjusted Beginning Balance 440.00 15.189-2.131 70.106 78.659 0 601.823 0 601.823 CHANGES IN THE PERIOD Increase/Decrease due to Mergers Marketable Securities Value Increase Funds Hedge Reserves (Effective Portion) Cash Flow Hedges Net Foreign Investment Hedges Tangible Assets Revaluation Reserve Intangible Assets Revaluation Reserve Bonus Shares Obtained from Associates, Subsidiaries and Jointly Controlled Entities (Joint Ventures) Translation Differences Changes Arised from the disposal of Assets Changes Arised From the reclassification of Assets The Effects Of Changes In Partipication Equity On Bank Equity Issue of equity Cash Increase Capital Increase Through Internal Reserves Share Issuance Premium Share Cancellation Profit Issued Capital Inflation Adjustment Difference Other 0-635 0-635 0-635 Profit (loss) for the Period 47.919 47.919 0 47.919 Profit Distributions 3.473 0-70.106 44.633 0-22.00-22.000

Dividends Paid 0-22.00-22.00-22.000 Transfers To Reserves 3.473 0-70.106 66.633 Other Equity at end of period 440.00 18.662-2.766 47.919 123.292 0 627.107 0 627.107