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EFTA01437401 | EFTA01437425 COR (net), New (M42+M43+M44-M45)/M48*4=0.008943622377209748 (N42+N43+N44-N45)/N48*4=0.0137680244 43224555 (042+043+044-045)/048*4=0.0037943418836064724 (P42+P43+P44-P45)/P48*4=0.0111554335 66480983 (Q42+043+044-Q45)/Q48*4=0.01698935017329771 (R42+R43+R44-R45)/R48*4=0.0094355634 68637288 (S42+543+544-S45)/S48*4=0.010646610506557188 -0.10 (=TABLE(T27,246))=-0.0544445 1866050749 (=TABLE(T27,T46))=-0.031197077461366258 (=TABLE(T27,T46))=-0.007949636262225043 (=TA BLE(T27,T46))=0.015297804936916171 (=TABLE(T27,T46))=0.038545246136057386 (=TABLE(T27,T46) 1=0. 0617926873351986 (=TABLE(T27,246)1=0.10828756973348103 (=TABLE(T27,T46))=0.1547824521317634 8 (=TABLE(T27,T46) 1=0.2012773345300459 (=TABLE(T27,T46)1=0.24777221692832832 (=TABLE(T27, T46)]=0.29426709932661077 -0.10 (250-$AC$48)*10000=-682.1254310373205 (AA50-$AC$48)*10000= -449.65101904590813 (AB50-$AC$48)*10000=-217.17660705449597 (AC50-$AC$48)*10000=15.2978049369161 67 (AD50-$AC$48)*10000=247.7722169283283 (AE50-$AC$48)*10000=480.2466289197405 (AF50-$AC$48 )*10000=945.1954529025646 (AG50-$AC$48)*10000=1410.1442768853892 (AH50-$AC$48)*10000=1875.093 1008682135 (A150-$AC$48)*10000=2340.0419248510375 (AJ50-$AC$48)*10000=2804.990748833862 COR (net) Change in COR from base (bps) (M50-M49)*100=0 (N50-N49)*100=0 (050-049)*100=0 (P50 -P49)*100=0 (Q50-Q49)*100=0 (R5O-R49)*100=0 (S50-S49)*100=0 -0.15 (=TABLE(T27,T46))=-0.0576471 3740524323 (=TABLE(T27,T46))=-0.03303219966497604 (=TABLE(T27,T46))=-0.008417261924708869 (=TA BLE(T27,T46))=0.0161976758155583 (=TABLE(T27,T46))=0.04081261355582547 (=TABLE(T27,T46) 1=0. 06542755129609264 (=TABLE(T27,T46)1=0.11465742677662696 (=TABLE(T27,T46))=0.1638873022571613 (=TABLE(T27,T46)1=0.21311717773769567 (=TABLE(T27,T46))=0.26234705321823 (=TABLE(T27,T46))=0. 3115769286987643 -0.15 (Z51-$AC$48)*10000=-714.1516184846779 (AA51-$AC$48)*10000=-468.002 24108200587 (AB51-$AC$48)*10000=-221.85286367933426 (AC51-$AC$48)*10000=24.29651372333745 (AD5 1-$AC$48)*10000=270.44589112600914 (AE51-$AC$48)*10000=516.5952685286808 (AF51-$AC$48)*10000= 1008.894023334024 (AG51-$AC$48)*10000=1501.1927781393674 (AH51-$AC$48)*10000=1993.49153294471 13 (A151-$AC$48)*10000=2485.790287750054 (AJ51-$AC$48)*10000=2978.0890425553976 -0.20 (=TABLE(T27,T46) 1=-0.06125008349307093 (=TABLE(T27,T46))=-0.03509671214403704 (=TABLE(T27, T46))=-0.008943340795003174 (=TABLE(T27,T46) 1=0.017210030554030694 (=TABLE(T27,T46)1=0.04336340 1903064556 (=TABLE(T27,T46))=0.06951677325209842 (=TABLE(T27,T46))=0.12182351595016615 (=TA BLE(T27,T46))=0.1741302586482339 (=TABLE(T27,T46))=0.22643700134630163 (=TABLE(T27,T46) 1=0. 27874374404436936 (=TABLE(T27,T46)1=0.3310504867424371 -0.20 (Z52-$AC$48)*10000=-750.1810 793629548 (AA52-$AC$48)*10000=-488.6473658726159 (AB52-$AC$48)*10000=-227.11365238227725 (AC5 2-$AC$48)*10000=34.4200611080614 (AD52-$AC$48)*10000=295.9537745984 (AE52-$AC$48)*10000= 557.4874880887386 (AF52-$AC$48)*10000=1080.554915069416 (AG52-$AC$48)*10000=1603.62234205009 33 (AH52-$AC$48)*10000=2126.6897690307705 (A152-$AC$48)*10000=2649.757196011448 (AJ52-$AC$48 *10000=3172.824622992125 TRYm Akbank Garanti Halkbank Isbank Vakifbank Yapi Kredi Average Tier 1 d CAR impact Akbank Garanti Halkbank Isbank Vakifbank Yapi Kredi Total -0.25 (=TA BLE(T27,T46))=-0.06533342239260899 (=TABLE(T27,T46))=-0.03743649295363951 (=TABLE(T27,T46))=-0 .00953956351467005 (=TABLE(T27,246)1=0.018357365924299405 (=TABLE(T27,T46))=0.0462542953632688 6 (=TABLE(T27,T46) 1=0.07415122480223832 (=TABLE(T27,T46)1=0.12994508368017724 (=TABLE(T27, T46)]=0.18573894255811615 (=TABLE(T27,T46) 1=0.24153280143605507 (=TABLE(T27,T46))=0.29732666 031399396 (=TABLE(T27,T46))=0.3531205191919329 -0.25 (253-$AC$48)*10000=-791.014468358335 4 (AA53-$AC$48)*10000=-512.0451739686406 (AB53-$AC$48)*10000=-233.07587957894606 (AC53-$AC$48 )*10000=45.8934148107485 (AD53-$AC$48)*10000=324.862709200443 (AE53-$AC$48)*10000=603.8320 035901376 (AF53-$AC$48)*10000=1161.7705923695269 (AG53-$AC$48)*10000=1719.709181148916 (AH5 3-$AC$48)*10000=2277.647769928305 (A153-$AC$48)*10000=2835.586358707694 (AJ53-$AC$48)*10000= 3393.5249474870834 Stage 1 Base Case (2018E) Stage 2 Total RWAs 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[AKBANK MO DEL- Higher RFR and Lower NIM.xlsxjForecast (TRY)° !$BK$585=302875.679288 'R:\Bank models\Turk ish Bank Model with 2020 Estimates\Higher RFR\(GARANTI MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$585=291738.2124657 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[H ALKBANK MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$585=234881.86808775 1 11:\Bank mod els\Turkish Bank Model with 2020 Estimates\Higher RFR\[ISBANK MODEL- Higher RFR and Lower NIM.xlsx]F orecast (TRY)° !$BK$585=344418.17760000005 'R:\Bank models\Turkish Bank Model with 2020 Estimat es\Higher RFR\[VAKIFBANK MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$585=218144.9068410 0002 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\CYAPI KREDI MODEL- Higher RFR and Lower NIM.xlsxjForecast (TRY)° !$BK$590=282617.49027600006 SUM(M55:R55)=1674676.3345584 502 Stage 3 (C39-C49)/C41*4=0.0029079037996552724 (D39-D49)/D41*4=-0.006762891000495025 (E39-E49)/E4 1*4=0.0016493062187403346 (F39-F49)/F41*4=0.0015955530701186181 (G39-G49)/G41*4=0.0120076226 53583133 (H39-H49)/H41*4=0.005066436880354615 (139-149)/141*4=0.002527121016886734 Shar eholders equity 1 11:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\(AKBANK MODEL- Hig her RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$112=45023.093839641784 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[GARANTI MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'! $BK$112=46285.562756758685 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[H ALKBANK MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$112=28589.813364406662 1 11:\Bank mod els\Turkish Bank Model with 2020 Estimates\Higher RFR\[ISBANK MODEL- Higher RFR and Lower NIM.xlsx]F orecast (TRY)'!$BK$112=47900.06103707109 'R:\Bank models\Turkish Bank Model with 2020 Estimat es\Higher RFR\[VAKIFBANK MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$112=26437.01735411 7375 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\CYAPI KREDI MODEL- Higher RFR and Lower NIM.xlsxjForecast (TRY)'!$BK$112=37708.092663756914 SUM(M56:R56)=231943.64101575 254 Total (C40-C49)/C41*4=0.008943622377209748 (D4O-D49)/D41*4=0.013768024443224555 (E40-E49)/E4 1*4=0.0037943418836064724 (F40-F49)/F41*4=0.011155433566480983 (G40-G49)/G41*4=0.0169893501 7329771 (H4O-H49)/H41*4=0.009435563468637288 (140-149)/141*4=0.010646610506557188 Tier 1 Capit al 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[AKBANK MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$574=44122.63196284895 'R:\Bank models\Turkish Bank Model w ith 2020 Estimates\Higher RFR\[GARANTI MODEL- Higher RFR and Lower NIM.xlsx]Forecast (TRY)'!$BK$574= 45591.27931540731 'R:\Bank models\Turkish Bank Model with 2020 Estimates\Higher RFR\[HALKBANK EFTA01437425
February 20, 2026 at 10:19 PM