Fourth largest private bank with leading positions in credit cards, asset management, leasing, factoring, private pension funds and health insurance

• Turkey's first retail focused private bank with a nationwide presence
• Total consolidated assets of TL 115.9 billion as of 9M11

Customer-oriented business mix

• Solid link with the real economy via loan-heavy balance sheet
• Support for the country's development through successful execution of accelerated branch expansion since mid-2007

Fourth largest branch network, fifth largest ATM network, award winning call center and internet banking

• 951 branches at Group level (including subsidiaries), 894 branches at Bank level located in more than 70 cities, covering 91% of Turkey
• Advanced alternative delivery channels comprising 2,615 ATMs, two call centers, internet banking with 1.8 million users and mobile banking

Service model supported by domestic and international subsidiaries

• 6.2 million active customers served through credit cards, individual banking, SME banking, corporate and commercial banking, private banking and wealth management
• Banking operations supported by asset management, brokerage, leasing, factoring, private pension and insurance product factories as well as international subsidiaries in the Netherlands, Russia and Azerbaijan

Strong shareholders: Koç Group and UniCredit Group

• 81.8% of shares owned by Koç Financial Services, a 50%-50% joint venture between the Koç Group and UniCredit Group
• Koç Group: Turkey's largest conglomerate in terms of turnover, exports, market capitalisation and number of employees with roots dating back to 1926 and operations in energy, automotive, consumer durables and finance
• UniCredit Group: Headquartered in Italy, one of the largest banking and financial services organisations in Europe and the leader in Central and Eastern European countries

Focus on customer and employee satisfaction

• Solid commitment to customer and employee satisfaction as key prerequisites of sustainable and strong performance
• Emphasis on system enhancements, improvement in sales support tools and simplification of processes to provide more timely and effective service to customers and to become easier to work with

Focus on efficiency and cost management

• Unique track record of pursuing growth together with cost containment and efficiency improvements
• Continuous investments in alternative delivery channels with an aim to increase customer satisfaction

Dedication to corporate governance

• The only bank among its peer group to be a member of the Istanbul Stock Exchange Corporate Governance Index since 2008
• Corporate governance rating increased to 8.78 out of 10 in 2010

Yapı Kredi BRSA Consolidated Financials TL, 9M11

*Including 1,4 million virtual cards