ABOUT GARANTI STOCK ‘GARAN’ With an actual free float ratio of ~50%, Garanti shares constituted 16% of the foreign transactions in the BIST and represented 31% of the foreign transactions among all listed banks. US$ 22.4 Billion Market Capitalization constitutes 8% of the BIST-100* US$ 11.2 Billion Highest floating market capitalization in the BIST* US$ 207 Million Average daily turnover in 1Q 2013, representing 13% of the BIST-100 US$ 7 Billion Total 1Q 2013 foreign transactions in GARAN The most traded stock by foreigners ~12% Biggest weight of shares on the BIST-100 Note: Currency conversion is based on US$/TL CBRT ask rate * As of March 29, 2013. DID YOU KNOW? Among the financial institutions in Europe, Garanti Garanti Mobile Banking logins increased by 22% to the related service point. In addition, Garanti Call ranks first on Facebook with its more than 1.3 million in 1Q13 through the technology-oriented campaigns. Center “Full Support” team added customer retention followers. Garanti uses Facebook for product offerings Garanti Mobile Banking has a leading market share of increasing activities to their sales efforts in the area of besides providing high convenience. Most recently, 44% in mobile financial transactions and serves 500,000 GPLs. Garanti became the first in the World to accept General customers. Purpose Loan applications via secure form on Garanti Securities successfully completed 14 debt Facebook. Consequently Garanti’s “Facebook Offers” Garanti became the first bank in Turkey to apply Call offerings with a total size of TL 3.1 billion as of 1Q13. became a global case study. Steering at its Call Center, in directing the customers GARANTI AND THE COMMUNITY Garanti celebrated the 10th anniversary of the Garanti Garanti’s educational project “Women Entrepreneur women over the last five years. Through these Anatolian Meetings, which brings together SMEs Executive Training” with cooperation of Boğaziçi gatherings, Garanti aims to strengthen the economic and the representatives of local administrations from University Lifelong Learning Center reached a total of and social standing of women and promote women different provinces in Turkey. Through discussing the 400 women entrepreneurs in Ankara, Istanbul and Izmir. entrepreneurship. changes in the economy and market conditions with Trainings, aiming to enhance the knowledge of women professionals who are experts in their field, Garanti entrepreneurs and broaden their vision, continue in With its continuous support to WWF Turkey for 21 enables SMEs and local administrators to evaluate Antalya. years, Garanti participated in the annual “Earth Hour” regional and international opportunities, discover as the main sponsor this year to take a stand against potential business areas and create solutions together “Women Entrepreneurs Gatherings” organized climate change. Garanti Bank turned off its lights at for their local problems. by Garanti in collaboration with KAGIDER (Women the Headquarters in Istanbul on March 23rd for the fifth Entrepreneurs Association of Turkey) reached 4,500 consecutive year. AWARDS & RECOGNITIONS Garanti became the first bank in Turkey to have an women entrepreneurship in Turkey by the New Economy award in the “Not-for-profit / Public Services” category “A” rated Sustainability Report upon the approval of magazine. at Mixx Awards 2012 Turkey. Global Reporting Initiative (“GRI”), the internationally recognized reporting standards institution. In Webrazzi Awards 2012, Garanti ranked 1st in the In Mercury Awards, Garanti was recognized among “Bank that Utilizes Technology the Best” category “Best of Category” winners in three categories. Garanti is recognized as the “Best Project Finance and 2nd in the “Best Domestic Mobile Application” Garanti’s 2011 Interactive Annual Report received House in Central and Eastern Europe” by a credible category. “Gold” award in “Websites/Emerging Media”; Annual finance magazine, EMEA Finance. Report 2011 received “Silver” award in “Annual Reports Garanti Link application, a first in Europe, was granted - Overall Presentation: Banks” and quarterly bulletin Garanti Masters Private Banking received “Turkey’s with “Silver Award” in the “Product Launch” category StockWatch won “Bronze” award in “Newsletters: Best Relationship Management” award in the Private in the interactive advertising contest, Mixx Awards 2012 Financial/Investor Relations” categories. Banking Poll 2013 conducted by Euromoney. Turkey. Garanti Factoring was recognized as the “Most Garanti was honored with “Women’s Empowerment The promotional film We Can Do It shot for the Admired Factoring Company” for the fourth Corporate Leadership Award” for its efforts to support Teachers Academy Foundation received “Gold” consecutive year by Capital Magazine. WHAT ANALYSTS SAY ABOUT GARANTI? Ata Invest: …the best bank in terms of cost control… BGC Partners: ...best-in-class management, which increases its cross-sell ratios in the long term, We expect the bank to maintain its expense ratios well advanced technology infrastructure, strong sales especially in consumer loans. under control, while further strengthening the retail culture, and good customer penetration... franchise. Morgan Stanley: Garanti presents an attractive capital Finans Invest: ...above sector fee generation position versus peers. Barclays: We like Garanti as a fundamental story on capability and better credit risk assessment in addition quality management, value generating franchise with to high NIM. Garanti is one of the best positioned Societe Generale: We focus on Garanti for its resilient proven track record on execution. banks to sustain its high RoAA level in the long margins and capital strength. term thanks to its strong presence in credit cards, DEVELOPMENTS AT GARANTI Garanti successfully completed its first TL Garanti Bank once again became the only Turkish Garanti Securities acted as the sell-side advisor to denominated international offering amounting to TL bank in the list of the World’s Top 100 Banks in S&P’s the Prime Ministry Privatization Administration at the 750 million with a 5 year maturity at a coupon rate of report comparing the capital adequacies of banks. privatization of Başkent Doğalgaz Dağıtım A.Ş. (Natural 7.375% on February 28, 2013. Garanti climbed from its rank of 41st in 2011 to 13th in Gas Distribution Corporation) 2012 based on its capital adequacy ratio calculated The amount of bank bonds issued by Garanti in 1Q with the risk-adjusted capital (RAC) methodology. Garanti Technology upgraded the mainframe system reached TL 2.4 billion. to provide more computing power, better response Garanti rolled out a new small ticket loan product, time performance and less software cost. The Garanti signed US$ 500 million loan agreement with “Quick Cash”, designed for customers who are in mainframe database system was also upgraded to JBIC for long term financing of renewable energy need of immediate cash. Offered through instant improve performance, scalability, availability, security, projects and a cooperation agreement with Sumitomo credit evaluation, Quick Cash, is a transparent and and application integration. Mitsui Banking Corporation to finance Japanese uncomplicated product with formerly announced net companies operating in Turkey. payment amount payable within 3 months. Garanti signed the “Manifesto for Energy Efficiency in Buildings” published by the Turkish Business Garanti continues to be a lead arranger in the financing Garanti offered “Gram Gold Payment” and enabled Council for Sustainable Development, with commitment of infrastructure, energy and privatization projects: customers to access their gold savings and withdraw to take measures to ensure energy efficiency in its • Participated with US$ 75 million in US$ 960 in 1 and 5 grams of 24 carat gold from designated office buildings, setting targets to reduce greenhouse million financing of Eurasia Tunnel Project branches in Istanbul. gas emissions and reporting. and awarded with “Best PPP Deal” by EMEA Finance. Through collaboration with Turkcell, Garanti offers Garanti sponsored “UNEP FI Introductory Training • Provided US$ 312 million project financing to its SME customers advantages in many products in Workshop on Environmental and Social Risk Eren Holding’s cement factory & port investment the areas of secure data storing, digital marketing, Analysis” at SALT and participated along with more in Mersin and US$ 34.8 million financing to Bilgin corporate identity and operational efficiency. than 15 banks sharing experience. Enerji for Bucakkışla HEPP project with an installed capacity of 34 MW. Garanti Pension moved up to #1 ranking in terms Garanti developed a set of new environmental • Participated in the US$ 1.4 billion financing of of total participants with a quarterly growth of 78,805 criteria to be integrated into supply chain agreements. Gebze-İzmir Motorway Phase-I Project; provided participants, reaching 688 thousand pension holders The criteria ensures mitigation measures including US$ 84 million to Global Yatırım Holding for the and a 20% market share. waste management, eco-friendly chemical usage and acquisition of 22% of Global Liman shares, and reporting these activities which also enables tracking EUR 50 million to per each of Rönesans’ İzmir suppliers’ environmental impact. Optimum Shopping Mall and Küçükyalı Office & School Projects. SELECTED CREDIT CARD FIGURES IN TURKEY 1.89 up from 1.82 in 2012 YE 1.3% vs. Garanti’s 1.6% 21% Credit cards’ share in retail loans # of plastic cards