AKBNK Q3 2026 Earnings Report

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AKBANK T.A.Ş. PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS AND RELATED DISCLOSURES AT 30 SEPTEMBER 2026 TOGETHER WITH INDEPENDENT AUDITOR’S REVIEW REPORT (Convenience translation of publicly announced consolidated financial statements, related disclosures and auditor’s review report originally issued in Turkish, See Note. I.b of Section three)

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(Convenience Translation of the Report on Review of Interim Financial Information Originally Issued in Turkish) REPORT ON REVIEW OF CONSOLIDATED INTERIM FINANCIAL INFORMATION To the General Assembly of Akbank T.A.Ş. Introduction We have reviewed the accompanying consolidated statement of financial position of Akbank T.A.Ş. (“the Bank”) and its consolidated subsidiaries (collectively referred to as “the Group”) at 30 September 2026 and the consolidated statement of profit or loss, consolidated statement of pr ofit or loss and other comprehensive income, consolidated statement of changes in shareholders’ equity, consolidated statement of cash flows for the n ine-month period then ended, and a summary of si gnificant accounting policies and ot her explanatory notes. The Bank Management is responsible for the preparation and fair presentation of the accompanying consolidated interim financial information in accordance with “the Banking Regulation and Supervision Agency (“BRSA”) Accounting and Financial Reporting Regulations” including the regulation on “The Procedures and Principles Regarding Banks’ Accounting Practices and Maintaining Documents” published in the Official Gazette dated 1 November 2006 with No. 26333, and other regulations on account ing records of banks published by the Banking Regulation and Supervision Board and circulars and pronouncements published by the BRSA and Turkish Ac counting Standard 34 “Interim Financial Reporting” principles for the matters not legislated by the aforementioned regulations. Our responsibilit y is to express a conclusion on this consolidated interim financial information based on our review. Scope of Review We conducted our review in accordance with the Independent Auditing Stan dard on Review Engagements (ISRE) 2410, “Review of Inte rim Financial Information Performed by the Independent Auditor of the Entity”. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial reporting process, and applying analytical and other review procedures. A review of interim financial information is substantially less in scope than an independen t audit conducted in accordance with the Indepe ndent Auditing Standards and the objective of wh ich is to express an opinion on the financial statements. Consequently, a review of the interim financial information does not provide assurance that the audit firm will be aware of all significant matters which would have been identified in an audit. Accordingly, we do not express an audit opinion. Conclusion Based on our review, nothing has come to our attention that causes us to believe that the accompanying consolidated interim fin ancial information does not present fairly, in all material respects, the financial position of Akbank T.A.Ş. as at 30 September 2026, and of the resul ts of their operations and their cash flows for the nine-month period then ended in accordance with the BRSA Accounting and Financial Reporting Regulations. Report on Other Legal and Regulatory Requirements Based on our review, nothing has come to our attention that causes us to believe that the consolidated interim financial inform ation provided in the Management’s interim report included in section seven of the a ccompanying consolidated financial statements, is not presented f airly, in all material respects, and is not consistent with the reviewed consolidated interim financial statements and the explanatory notes. Additional paragraph for English translation: BRSA Accounting and Reporting Regulations explained in detail in Section 3 differ fr om International Financial Reporting Standa rds ("IFRS") issued by the International Accounting Standards Board with respect to the ap plication of inflation accounting. Accordingly, the accompanying consolidated interim financial statements are not intended to present fairly the financial position, results of operations, changes in equity and cash flows of the Group in accordance with IFRS. DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş. Member of DELOITTE TOUCHE TOHMATSU LIMITED Yaman Polat Partner İstanbul, 27 October 2026

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS, RELATED DISCLOSURES ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE THE CONSOLIDATED FINANCIAL REPORT OF AKBANK T.A.Ş. AS OF 30 September 2026 Address : Sabancı Center 34330, 4. Levent / İstanbul Telephone : (0 212) 385 55 55 Fax : (0 212) 319 52 52 Website : www.akbank.com E-mail : https://www.akbank.com/en-us/Content/Pages/Contact-Us.aspx The consolidated financial report, prepared in accordance with “C ommuniqué on Financial Statements to be Disclosed to Public by Banks and Explanations and Footnotes Thereof” as regulated by th e Banking Regulation and Supervision Agency, is consist of the sections listed below. • Section One - GENERAL INFORMATION ABOUT THE PARENT BANK • Section Two - CONSOLIDATED FINANCIAL STATEMENTS OF THE PARENT BANK • Section Three - EXPLANATIONS ON ACCOUNTING POLICIES • Section Four - INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP • Section Five - INFORMATION AND DISCLOSURES RELATED TO CONSOLIDATED FINANCIAL STATEMENTS • Section Six - INTERIM REVIEW REPORT • Section Seven - INTERIM ACTIVITY REPORT Investments in associates, joint ventures and subsidiaries whose financial statements have been consolidated in this reporting package are as follows: Subsidiaries Investments in Associates Joint Ventures 1. Ak Finansal Kiralama A.Ş. - - 2. Ak Yatırım Menkul Değerler A.Ş. - - 3. Ak Portföy Yönetimi A.Ş. - - 4. Akbank AG - - 5. AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. - - 6. Stablex Kripto Varlık Alım Satım Platformu A.Ş. - - 7. Ak Yatırım Varlık Kiralama A.Ş. - - In addition, AK DPR Finance Company Ltd., a structured entity, has been included in the scope of consolidation, although it is not a subsidiary of the Bank. The accompanying consolidated financial statements and notes to these financial statements which are expressed, unless otherwis e stated, in millions of Turkish Lira (TL), have been prepared based on the accounting books of the Bank in accordance with the Regulation on the Procedures and Principles for Accounting Practices and Retention of Documents by Banks, Turkish Accounting Standards, Turkish Financial Reporting Standards, and the related appendices and interpretations on these, and have been independently reviewed. 27 October 2026 Suzan SABANCI Eyüp ENGİN Zeynep URAS Cenk Kaan GÜR Türker TUNALI Ahmet ÖZKAN Chairman of the Head of the Member of the CEO Executive Vice Senior Vice Board of Directors Audit Committee Audit President President Committee Contact information of the personnel in charge of addressing questions regarding this financial report: Name-Surname / Title : Ahmet ÖZ KAN / Senior Vice President Phone No : (0 212) 385 74 00 Fax No : (0 212) 319 52 52

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SECTION ONE Page General Information about the Bank I. Parent Bank’s foundation date, start-up status, history regarding the changes in this status 1 II. Explanation about the Parent Bank’s capital structure, shareholders of the Parent Bank who are in charge of the management and/ or auditing of the Bank directly or indirectly, changes in these matters (if any) and the Group that the Parent Bank belongs to 1 III. Explanation on the board of directors, members of the audit committee, president and executive vice presidents, if available, shares of the Parent Bank they possess and their areas of responsibility 1 IV. Information on the individual and corporate shareholders having control shares of the Parent Bank 2 V. Information on the Parent Bank’s service types and fields of operation 2 VI. A short explanation on the differences between the Communique on Consolidated Financial Statement Reporting and the consolidati on procedures required by Turkish Accounting Standards and about institutions that are subject to full consolidation, proportion al consolidation, by way of deduction from ca pital or those that are subject to none 2 VII. Existing or potential, actual or legal obstacles to immediate transfer of capital between Parent Bank and its subsidiaries and repayment of debts 2 SECTION TWO Consolidated Financial Statements of the Bank I. Consolidated Balance sheet 3 II. Consolidated Off Balance Sheet Commitments 5 III. Consolidated Income statement 6 IV. Consolidated Statement of profit or loss and other comprehensive income 7 V. Consolidated Statement of changes in shareholders’ equity 8 VI. Consolidated Statement of cash flows 10 SECTION THREE Explanations on Accounting Policies I. Explanations on basis of presentation 11 II. Explanations on strategy of using financial instruments and explanations on foreign currency transactions 12 III. Explanations on equity investments 12 IV. Explanations on forward transactions, options and derivative instruments 13 V. Explanations on interest income and expense 14 VI. Explanations on fee and commission income and expenses 14 VII. Explanations on financial assets 14 VIII. Explanations on expected credit loss 18 IX. Explanations on offsetting financial instruments 19 X. Explanations on sales and repurchase agreements and securities lending transactions 20 XI. Explanations on assets held for sale and related to discontinued operations (Net) 20 XII. Explanations on goodwill and other intangible assets 20 XIII. Explanations on property and equipment 20 XIV. Explanations on leasing transactions 21 XV. Explanations on provisions and contingent liabilities 22 XVI. Explanations on contingent assets 22 XVII. Explanations on obligations related to employee rights 22 XVIII. Explanations on taxation 24 XIX. Explanations on borrowings 25 XX. Explanations on issuance of share certificates 25 XXI. Explanations on avalized drafts and acceptances 25 XXII. Explanations on government grants 25 XXIII. Explanations on segment reporting 25 XXIV. Profit reserves and profit distribution 26 XXV. Earnings per share 26 XXVI. Related parties 26 XXVII. Cash and cash equivalent assets 26 XXVIII. Reclassifications 26 SECTION FOUR Information Related to Financial Position and Risk Management of the Group I. Explanations on equity 27 II. Explanations on currency risk 37 III. Explanations on interest rate risk 39 IV. Explanations on position risk of equity securities 41 V. Explanations on liquidity risk management, liquidity coverage ratio and net stable funding ratio 41 VI. Explanations on leverage ratio 49 VII. Explanations on risk management target and policies 50 VIII. Explanations on risk hedge transactions 51 IX. Explanations on business segments 53 SECTION FIVE Information and Disclosures Related to Consolidated Financial Statements I. Explanations and notes related to consolidated assets 56 II. Explanations and notes related to consolidated liabilities 71 III. Explanations and notes related to consolidated off-balance sheet accounts 78 IV. Explanations and notes related to consolidated income statement 79 V. Explanations and notes related to consolidated statement of cash flows 83 VI. Explanations and notes related to risk group that the group belongs to 84 VII. Explanations and notes related to subsequent events 85 SECTION SIX Explanations on Auditor’s Review Report I. Explanations on Auditor’s Review Report 85 II. Explanations and notes prepared by independent auditors 85 SECTION SEVEN Explanations on Interm Activity Report I. Interim period activity report included chairman of the board of directors and CEO’s assessments for the interim activities 86

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 1 SECTION ONE GENERAL INFORMATION ABOUT THE BANK I. PARENT BANK’S FOUNDATION DATE, START-UP STATUS, HISTORY REGARDING THE CHANGES IN THIS STATUS: Akbank T.A.Ş. (“the Bank”, “the Parent Bank” or “Akbank”) was established on 30 January 1948 as a privat e commercial bank, in accordance with the decision of the Coun cil of Ministers, No.3/6710 and is authoriz ed to perform all economic, financial and commercial activities, which are allowed by the laws of the Turkish Republic (“T.C.”). The status of the Bank has not changed since its foundation. II. EXPLANATION ABOUT THE PARENT BANK’S CAPITAL STRUCTURE, SHAREHOLDERS OF THE BANK WHO ARE IN CHARGE OF THE MANAGEMENT AND/OR AUDITING OF THE BANK DI RECTLY OR INDIRECTLY, CHANGES IN THESE MATTERS (IF ANY) AND THE GROUP THAT THE PARENT BANK BELONGS TO: The Bank’s shares have been quoted on th e Borsa Istanbul (‘’BIST’’) since 1990. In 19 98, 4,03% of the outstanding share capital of the Bank was offered and sold in an international offering outside of Türkiye in the form of Ordinary Shares and American Depository Receipts (“ADRs”). As of 30 September 2026, approximately 52% of the shares are publicly traded, including the ADRs (31 December 2025: 52%). The major shareholder of the Parent Bank, directly or indirectly, is Sabancı Group. III. EXPLANATION ON THE BOARD OF DIRECTORS, MEMBERS OF THE AUDIT COMMITTEE, PRES IDENT AND EXECUTIVE VICE PRESIDENTS, IF AVAILABLE, SHARES OF THE PARENT BANK THEY POSSESS AND THEIR AREAS OF RESPONSIBILITY: Title Name Responsibility Education Chairman: Suzan SABANCI Chairman of the Board of Directors Graduate Board of Directors: S. Hakan BİNBAŞGİL Vice Chairman and Executive Board Member Graduate A. Fuat AYLA Executive Board Member Undergraduate Eyüp ENGİN Board Member Undergraduate Emre DERMAN Board Member Graduate Mustafa AYDIN Board Member Graduate N. Serra AKÇAOĞLU Board Member Undergraduate Zeynep URAS Board Member Undergraduate Tülin ERDEM Board Member Graduate C. Kaan GÜR Board Member and CEO Graduate C. Kaan GÜR CEO Graduate CEO: Kayhan YAVAŞ Head of Internal Audit Graduate Head of Internal Audit: Bülent OĞUZ People and Culture Graduate Executive Vice Presidents: Türker TUNALI Financial Management Undergraduate Yunus Emre ÖZBEN Corporate and Investment Banking Graduate Gamze Şebnem MURATOĞLU Treasury and Financial Institutions Graduate Zeynep ÖZTÜRK ŞARSEL Corporate and Commercial Loan Allocation Graduate Gökhan GÖKÇAY Technology Graduate Çetin DÜZ Credit Monitoring and Follow-up Graduate Dalya KOHEN Private Banking and Wealth Management Undergraduate Alper BEKTAŞ SME Banking Undergraduate Burcu ÇALICIOĞLU Retail Loans Analytics and Individual Microloans Allocation Graduate Özlem ATİK KAPTANOĞLU Commercial Banking Undergraduate Emre ÇİFT Consumer Bankin g Graduate Şebnem DAĞ GÜVEN Digital Solutions and Strategy Graduate Eyüp ENGİN Head of the Audit Committee Undergraduate Internal Audit Committee: Zeynep URAS Member of the Audit Committee Undergraduate The management stated above does not hold any material shares of the Bank

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 2 IV. INFORMATION ON THE INDIVIDUAL AND CORPORATE SHAREHOLDERS HAVING CONTROL SHARES OF THE PARENT BANK: Name/Commercial Title Share Amounts (Nominal) Share Percentages Paid-in Capital (Nominal) Unpaid Portion Hacı Ömer Sabancı Holding A.Ş. 2.119 %40,75 2.119 - V. INFORMATION ON THE PARENT BANK’S SERVICE TYPES AND FIELDS OF OPERATION: The Bank’s core business activities consist of consumer banking, SME banking, commercial banking, corporate-investment banking and private banking and wealth management, foreign exchange, money markets, securities transactions (treasury transactions) and international banking services. In addition to regular banking op erations, the Bank also provides insurance intermediary servic es as an agency of Aksigorta A.Ş. and AgeSA Hayat ve Emeklilik A.Ş. via its branch network. As of 30 September 2026, the Bank has 600 branches dispersed throughout the country and 1 branch operating abroad (31 December 2025: 646 branches and 1 branch operating abroad). As of 30 September 2026, the Bank has 11.956 employees (31 December 2025: 12.591). The Parent Bank and its subsidiaries, Ak Finansal Kiralama A.Ş., Ak Yatırım Menkul Değerler A.Ş., AK Portföy Yönetimi A.Ş., Akbank AG, AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş., its indirect subsidiary Stablex Kripto Varlık Alım Satım Platformu A.Ş and Ak Yatırım Varlık Kiralama A.Ş. has been incl uded in the scope of consolidation. The Pa rent Bank together with its consolidated subsidiaries are referred to as the “Group”. As at 30 September 2026, the Group employed 12.548 people (31 December 2025: 13.288). VI. A SHORT EXPLANATION ON THE DIFFERENCES BETWEEN THE COMMUNIQUE ON CONSOLIDATED FINANCIAL STATEMENT REPORTING AND THE CONSOLIDATION PROCEDURES REQUIR ED BY TURKISH ACCOUNTING STANDARDS AND ABOUT INSTITUTIONS THAT ARE SUBJECT TO FULL CONSOLIDATION, PROPORTIONAL CONSOLIDATION, BY WAY OF DEDUCTION FROM CAPITAL OR THOSE THAT ARE SUBJECT TO NONE: The Bank sees no difference between the Communiqué on Consol idated Financial Reporting and the consolidation procedures required by Turkish Accounting Standards. Information in regards to consolidated subsidiaries and consolidation methods are given in Section three Note III. VII. EXISTING OR POTENTIAL, ACTUAL OR LEGAL OBSTACLES TO IMMEDIATE TRANSFER OF CAPITAL BETWEEN PARENT BANK AND ITS SUBSIDIARIES AND REPAYMENT OF DEBTS: None.

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SECTION TWO CONSOLIDATED FINANCIAL STATEMENTS I. CONSOLIDATED BALANCE (Amounts are expressed in millions CURRENT PERIOD PRIOR PERIOD ASSETS Note (30/09/2026) (31/12/2025) (Section Five) TL FC Total TL FC Total I. FINANCIAL ASSETS (Net) 1.1 Cash and Cash Equivalents 1.1.1 Cash and Balances 1.1.2 Banks (I-d) 1.1.3 Money Markets 1.1.4 Expected Loss Provision (-) 1.2 Financial Assets at 1.2.1 Government Debt Securities 1.2.2 Equity Instruments 1.2.3 Other Financial Assets 1.3 Financial Assets at 1.3.1 Government Debt Securities 1.3.2 Equity Instruments 1.3.3 Other Financial Assets 1.4 Derivative Financial Assets (I-c, l-l) 1.4.1 Derivative Financial 1.4.2 Derivative Financial II. FINANCIAL ASSETS MEASURED 2.1 Loans (I-f) 2.2 Lease Receivables (I-k) 2.3 Factoring Receivables 2.4 Other Financial Assets 2.4.1 Government Debt Securities 2.4.2 Other Financial Assets 2.5 Expected Credit Loss (-) III. ASSETS HELD FOR SALE AND OPERATIONS (Net) (I-o) 3.1 Held for Sale Purpose 3.2 Related to Discontinued Operations IV. EQUITY INVESTMENTS 4.1 Investments in Associates (Net) (I-h) 4.1.1 Associates Valued 4.1.2 Unconsolidated Associates 4.2 Subsidiaries (Net) (I-i) 4.2.1 Unconsolidated Financial Subsidiaries 4.2.2 Unconsolidated Non-Financial 4.3 Joint Ventures (Net) (I-j) 4.3.1 Joint Ventures Valued 4.3.2 Unconsolidated Joint Ventures V. PROPERTY AND EQUIPMENT (Net) VI. INTANGIBLE ASSETS (Net) 6.1 Goodwill 6.2 Other VII. INVESTMENT PROPERTY (Net) (I-m) VIII. CURRENT TAX ASSET IX. DEFERRED TAX ASSET (I-n) X. OTHER ASSETS (Net) (I-p) TOTAL ASSETS 2.644.107 3 SHEET AS OF 30 SEPTEMBER 2026 (STATEMENT OF FINANCIAL POSITION) of Turkish Lira (TL).) 641.413 762.480 1.403.893 650.856 614.606 1.265.462 245.814 445.712 691.526 297.053 324.130 621.183 with Central Bank (I-a) 235.493 315.455 550.948 294.967 264.467 559.434 10.308 130.257 140.565 2.060 59.663 61.723 14 - 14 26 - 26 1 - 1 - - - Fair Value Through Profit or Loss (I-b) 39.873 11.414 51.287 41.212 7.133 48.345 4.361 7.598 11.959 11.963 3.552 15.515 2.885 3.226 6.111 1.669 2.757 4.426 32.627 590 33.217 27.580 824 28.404 Fair Value Through Other Comprehensive Income (I-e) 291.119 283.329 574.448 264.020 253.120 517.140 239.257 199.285 438.542 233.164 171.425 404.589 207 - 207 170 - 170 51.655 84.044 135.699 30.686 81.695 112.381 64.607 22.025 86.632 48.571 30.223 78.794 Assets at Fair Value Through Profit or Loss 22.761 21.991 44.752 13.015 29.748 42.763 Assets at Fair Value Through Other Comprehensive Income 41.846 34 41.880 35.556 475 36.031 AT AMORTISED COST (Net) 1.809.307 770.670 2.579.977 1.500.963 625.664 2.126.627 1.615.040 719.411 2.334.451 1.338.323 582.635 1.920.958 9.105 41.134 50.239 7.570 31.259 38.829 - - - - - - Measured at Amortised Cost (I-g) 267.679 13.742 281.421 223.018 14.895 237.913 258.731 2.121 260.852 223.018 6.144 229.162 8.948 11.621 20.569 - 8.751 8.751 82.517 3.617 86.134 67.948 3.125 71.073 RELATED TO DISCONTINUED 4.730 - 4.730 3.770 - 3.770 4.730 - 4.730 3.770 - 3.770 - - - - - - 222 5.755 5.977 153 4.765 4.918 24 - 24 21 - 21 Based on Equity Method - - - - - - 24 - 24 21 - 21 198 5.755 5.953 132 4.765 4.897 - - - - - - Subsidiaries 198 5.755 5.953 132 4.765 4.897 - - - - - - Based on Equity Method - - - - - - - - - - - - 54.548 474 55.022 53.583 484 54.067 16.130 596 16.726 10.935 461 11.396 134 - 134 134 - 134 15.996 596 16.592 10.801 461 11.262 - - - - - - 3.827 - 3.827 - - - 284 677 961 501 413 914 113.646 13.143 126.789 82.133 9.663 91.796 1.553.795 4.197.902 2.302.894 1.256.056 3.558.950 The accompanying explanations and notes form an integral part of these financial statements.

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SECTION TWO CONSOLIDATED FINANCIAL STATEMENTS I. CONSOLIDATED BALANCE SHEET AS OF 30 SEPTEMBER 2026 (STATEMENT OF FINANCIAL POSITION) (Amounts are expressed in millions of Turkish Lira (TL).) CURRENT PERIOD PRIOR PERIOD LIABILITIES Note (30/09/2026) (31/12/2025) (Section Five) TL FC Total TL FC Total I. DEPOSITS (II-a) 1.581.041 1.060.391 2.641.432 1.350.918 822.503 2.173.421 II. FUNDS BORROWED (II-c) 3.771 233.594 237.365 2.931 179.016 181.947 III. MONEY MARKETS 130.434 175.014 305.448 188.719 189.828 378.547 IV. SECURITIES ISSUED (Net) (II-d) 56.444 215.864 272.308 16.086 195.412 211.498 4.1 Bills 39.208 - 39.208 5.726 - 5.726 4.2 Asset Backed Securities - - - - - - 4.3 Bonds 17.236 215.864 233.100 10.360 195.412 205.772 V. FUNDS - - - - - - 5.1 Borrower Funds - - - - - - 5.2 Other - - - - - - VI. FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS - - - - - - VII. DERIVATIVE FINANCIAL LIABILITIES (II-b, II-g) 15.776 21.503 37.279 16.483 8.802 25.285 7.1 Derivative Financial Liabilities at Fair Value Through Profit or Loss 15.250 21.503 36.753 16.217 8.802 25.019 7.2 Derivative Financial Liabilities at Fair Value Through Other Comprehensive Income 526 - 526 266 - 266 VIII. FACTORING LIABILITIES - - - - - - IX. LEASE LIABILITIES (Net) (II-f) 3.301 357 3.658 3.546 354 3.900 X. PROVISIONS (II-h) 11.762 1.505 13.267 8.160 1.474 9.634 10.1 Restructuring Provisions - - - - - - 10.2 Reserve for Employee Benefits 5.445 52 5.497 4.261 39 4.300 10.3 Insurance Technical Provisions (Net) - - - - - - 10.4 Other Provisions 6.317 1.453 7.770 3.899 1.435 5.334 XI. CURRENT TAX LIABILITY (II-i) 16.874 92 16.966 14.685 479 15.164 XII. DEFERRED TAX LIABILITY (II-i) 7.789 38 7.827 13.428 560 13.988 XIII. - - - - - - 13.1 Held for Sale Purpose - - - - - - 13.2 Related to Discontinued Operations - - - - - - XIV. SUBORDINATED DEBT INSTRUMENTS (II-j) - 123.805 123.805 - 82.804 82.804 14.1 Loans - - - - - - 14.2 Other Debt Instruments - 123.805 123.805 - 82.804 82.804 XV. OTHER LIABILITIES (II-e) 140.754 67.533 208.287 104.771 47.821 152.592 XVI. SHAREHOLDERS' EQUITY (II-k) 370.914 (40.654) 330.260 336.493 (26.323) 310.170 16.1 Paid-in capital 5.200 - 5.200 5.200 - 5.200 16.2 Capital Reserves 5.321 - 5.321 5.321 - 5.321 16.2.1 Share Premium 3.506 - 3.506 3.506 - 3.506 16.2.2 Share Cancellation Profits - - - - - - 16.2.3 Other Capital Reserves 1.815 - 1.815 1.815 - 1.815 16.3 Accumulated Other Comprehensive Income or Loss Not Reclassified Through Profit or Loss 26.489 117 26.606 26.130 117 26.247 16.4 Accumulated Other Comprehensive Income or Loss Reclassified Through Profit or Loss 41.158 (40.771) 387 41.521 (26.440) 15.081 16.5 Profit Reserves 246.785 - 246.785 200.905 - 200.905 16.5.1 Legal Reserves 5.888 - 5.888 4.646 - 4.646 16.5.2 Status Reserves - - - - - - 16.5.3 Extraordinary Reserves 217.505 - 217.505 180.333 - 180.333 16.5.4 Other Profit Reserves 23.392 - 23.392 15.926 - 15.926 16.6 Profit or (Loss) 45.961 - 45.961 57.433 - 57.433 16.6.1 Prior Periods' Profit or (Loss) 11 - 11 178 - 178 16.6.2 Current Period Profit or (Loss) 45.950 - 45.950 57.255 - 57.255 16.7 Minority Interest - - - (17) - (17) TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 2.338.860 1.859.042 4.197.902 2.056.220 1.502.730 3.558.950 The accompanying explanations and notes form an integral part of these financial statements. LIABILITIES FOR ASSETS HELD FOR SALE AND RELATED TO THE DISCONTIUED OPERATIONS (Net) 4

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II. CONSOLIDATED OFF-BALANCE SHEET COMMITMENTS AS OF 30 SEPTEMBER 2026 (Amounts are expressed in millions of Turkish Lira (TL).) CURRENT PERIOD PRIOR PERIOD Note (30/09/2026) (31/12/2025) (Section Five) TL FC Total TL FC Total A. OFF-BALANCE SHEET COMMITMENTS (I+II+III) 4.366.637 3.775.669 8.142.306 2.665.979 2.475.794 5.141.773 I. GUARANTEES AND WARRANTIES (III) 431.549 269.462 701.011 344.293 202.082 546.375 1,1 Letters of Guarantee 303.043 174.746 477.789 248.445 145.286 393.731 1.1.1 Guarantees Subject to State Tender Law 3.493 33.523 37.016 1.952 36.248 38.200 1.1.2 Guarantees Given for Foreign Trade Operations - 15.167 15.167 - 15.743 15.743 1.1.3 Other Letters of Guarantee 299.550 126.056 425.606 246.493 93.295 339.788 1.2 Bank Acceptances - 1.677 1.677 - 838 838 1.2.1 Import Letter of Acceptance - 1.677 1.677 - 838 838 1.2.2 Other Bank Acceptances - - - - - - 1.3 Letters of Credit 32 85.948 85.980 - 49.193 49.193 1.3.1 Documentary Letters of Credit 32 80.210 80.242 - 43.960 43.960 1.3.2 Other Letters of Credit - 5.738 5.738 - 5.233 5.233 1.4 Prefinancing Given as Guarantee - - - - - - 1.5 Endorsements - - - - - - 1.5.1 Endorsements to the Central Bank of Turkey - - - - - - 1.5.2 Other Endorsements - - - - - - 1.6 Purchase Guarantees for Securities Issued - - - - - - 1.7 Factoring Guarantees - 46 46 - 40 40 1.8 Other Guarantees 24.464 7.040 31.504 18.843 6.717 25.560 1.9 Other Collaterals 104.010 5 104.015 77.005 8 77.013 II. COMMITMENTS (III) 1.909.606 139.510 2.049.116 1.725.594 106.747 1.832.341 2.1 Irrevocable Commitments 1.872.873 129.617 2.002.490 1.696.620 101.522 1.798.142 2.1.1 Asset Purchase Commitments 86.735 112.870 199.605 33.061 76.058 109.119 2.1.2 Deposit Purchase and Sales Commitments - - - - - - 2.1.3 Share Capital Commitments to Associates and Subsidiaries - - - - - - 2.1.4 Loan Granting Commitments 80.765 15.649 96.414 60.396 24.947 85.343 2.1.5 Securities Issue Brokerage Commitments - - - - - - 2.1.6 Commitments for Reserve Requirements - - - - - - 2.1.7 Commitments for Cheque Payments 21.241 - 21.241 16.153 - 16.153 2.1.8 Tax and Fund Liabilities from Export Commitments 7 - 7 21 - 21 2.1.9 Commitments for Credit Card Limits 1.325.200 - 1.325.200 1.274.625 - 1.274.625 2.1.10 Commitments for Credit Cards and Banking Services Promotions 738 - 738 673 - 673 2.1.11 Receivables from Short Sale Commitments of Marketable Securities - - - - - - 2.1.12 Payables for Short Sale Commitments of Marketable Securities - - - - - - 2.1.13 Other Irrevocable Commitments 358.187 1.098 359.285 311.691 517 312.208 2.2 Revocable Commitments 36.733 9.893 46.626 28.974 5.225 34.199 2.2.1 Revocable Loan Granting Commitments 32.770 - 32.770 26.362 - 26.362 2.2.2 Other Revocable Commitments 3.963 9.893 13.856 2.612 5.225 7.837 III. DERIVATIVE FINANCIAL INSTRUMENTS 2.025.482 3.366.697 5.392.179 596.092 2.166.965 2.763.057 3.1 Hedging Derivative Financial Instruments 248.764 273.005 521.769 79.204 291.160 370.364 3.1.1 Fair Value Hedges 43.749 226.289 270.038 22.607 189.664 212.271 3.1.2 Cash Flow Hedges 205.015 46.716 251.731 56.597 101.496 158.093 3.1.3 Foreign Net Investment Hedges - - - - - - 3.2 Trading Derivative Financial Instruments 1.776.718 3.093.692 4.870.410 516.888 1.875.805 2.392.693 3.2.1 Forward Foreign Currency Buy/Sell Transactions 211.029 226.408 437.437 73.435 91.062 164.497 3.2.1.1 Forward Foreign Currency Transactions-Buy 76.406 141.975 218.381 19.265 61.478 80.743 3.2.1.2 Forward Foreign Currency Transactions-Sell 134.623 84.433 219.056 54.170 29.584 83.754 3.2.2 Swap Transactions Related to Foreign Currency and Interest Rates 1.395.334 1.940.264 3.335.598 346.299 1.199.797 1.546.096 3.2.2.1 Foreign Currency Swap-Buy 102.509 595.064 697.573 22.032 392.909 414.941 3.2.2.2 Foreign Currency Swap-Sell 240.569 740.096 980.665 132.769 474.008 606.777 3.2.2.3 Interest Rate Swap-Buy 526.128 302.552 828.680 95.749 166.440 262.189 3.2.2.4 Interest Rate Swap-Sell 526.128 302.552 828.680 95.749 166.440 262.189 3.2.3 Foreign Currency, Interest Rate and Securities Options 109.820 463.043 572.863 66.806 279.378 346.184 3.2.3.1 Foreign Currency Options-Buy 53.611 209.560 263.171 29.861 130.551 160.412 3.2.3.2 Foreign Currency Options-Sell 48.052 216.835 264.887 34.355 123.783 158.138 3.2.3.3 Interest Rate Options-Buy - 18.324 18.324 - 12.522 12.522 3.2.3.4 Interest Rate Options-Sell - 18.324 18.324 - 12.522 12.522 3.2.3.5 Securities Options-Buy 1.536 - 1.536 1.129 - 1.129 3.2.3.6 Securities Options-Sell 6.621 - 6.621 1.461 - 1.461 3.2.4 Foreign Currency Futures 57.463 52.739 110.202 29.101 26.151 55.252 3.2.4.1 Foreign Currency Futures-Buy 2.320 50.534 52.854 - 26.151 26.151 3.2.4.2 Foreign Currency Futures-Sell 55.143 2.205 57.348 29.101 - 29.101 3.2.5 Interest Rate Futures - - - - - - 3.2.5.1 Interest Rate Futures-Buy - - - - - - 3.2.5.2 Interest Rate Futures-Sell - - - - - - 3.2.6 Other 3.072 411.238 414.310 1.247 279.417 280.664 B. CUSTODY AND PLEDGES RECEIVED (IV+V+VI) 7.286.526 3.176.085 10.462.611 5.769.482 2.706.949 8.476.431 IV. ITEMS HELD IN CUSTODY 839.636 697.368 1.537.004 709.878 623.061 1.332.939 4.1 Customer Fund and Portfolio Balances 413.326 324.866 738.192 375.691 269.711 645.402 4.2 Investment Securities Held in Custody 94.880 90.613 185.493 92.113 79.169 171.282 4.3 Cheques Received for Collection 290.103 35.097 325.200 213.377 26.554 239.931 4.4 Commercial Notes Received for Collection 39.982 48.274 88.256 27.778 41.642 69.420 4.5 Other Assets Received for Collection - - - - - - 4.6 Assets Received for Public Offering - - - - - - 4.7 Other Items Under Custody 1.345 198.518 199.863 919 205.985 206.904 4.8 Custodians - - - - - - V. PLEDGES RECEIVED 1.463.685 633.058 2.096.743 1.233.788 553.601 1.787.389 5.1 Marketable Securities 19.248 68.463 87.711 3.976 36.974 40.950 5.2 Guarantee Notes 2.359 2.797 5.156 2.374 2.515 4.889 5.3 Commodity 2.400 780 3.180 2.400 71 2.471 5.4 Warranty - - - - - - 5.5 Immovables 1.085.879 340.152 1.426.031 900.234 344.786 1.245.020 5.6 Other Pledged Items 353.799 220.866 574.665 324.804 169.255 494.059 5.7 Pledged Items-Depository - - - - - - VI. ACCEPTED BILL, GUARANTEES AND WARRANTEES 4.983.205 1.845.659 6.828.864 3.825.816 1.530.287 5.356.103 - TOTAL OFF-BALANCE SHEET COMMITMENTS (A+B) 11.653.163 6.951.754 18.604.917 8.435.461 5.182.743 13.618.204 The accompanying explanations and notes form an integral part of these financial statements. 5

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SECTION TWO CONSOLIDATED FINANCIAL STATEMENTS III. CONSOLIDATED STATEMENT OF PROFIT OR LOSS FOR THE PERIOD ENDED 30 SEPTEMBER 2026 (Amounts are expressed in millions of Turkish Lira (TL).) INCOME AND EXPENSE ITEMS Note CURRENT PERIOD CURRENT PERIOD PRIOR PERIOD PRIOR PERIOD (Section Five) (01/01-30/09/2026) (01/07-30/09/2026) (01/01-30/09/2025) (01/07-30/09/2025) I. INTEREST INCOME (IV-a) 570.656 202.443 480.288 170.283 1.1 Interest Income on Loans (IV-a-1) 377.666 133.390 297.604 105.475 1.2 Interest Income on Reserve Requirements 52.366 19.220 47.959 16.478 1.3 Interest Income on Banks (IV-a-2) 3.309 1.664 2.245 661 1.4 Interest Income on Money Market Transactions 418 106 2.016 667 1.5 Interest Income on Marketable Securities Portfolio (IV-a-3) 127.589 44.666 123.716 44.720 1.5.1 Fair Value Through Profit or Loss 2.287 578 3.197 1.326 1.5.2 Fair Value Through Other Comprehensive Income 76.683 27.753 77.069 28.490 1.5.3 Measured at Amortised Cost 48.619 16.335 43.450 14.904 1.6 Financial Lease Interest Income 4.921 1.735 3.982 1.368 1.7 Other Interest Income 4.387 1.662 2.766 914 II. INTEREST EXPENSE (-) (IV-b) 440.283 160.096 409.596 139.438 2.1 Interest Expense on Deposits (IV-b-4) 359.170 130.475 330.291 116.218 2.2 Interest Expense on Funds Borrowed (IV-b-1) 8.782 3.224 6.840 2.533 2.3 Interest Expense on Money Market Transactions 47.369 15.640 58.784 15.465 2.4 Interest Expense on Securities Issued (IV-b-3) 24.093 10.427 13.188 5.037 2.5 Interest Expense on Leases 732 275 432 156 2.6 Other Interest Expenses 137 55 61 29 III. NET INTEREST INCOME (I - II) 130.373 42.347 70.692 30.845 IV. NET FEES AND COMMISSIONS INCOME 106.531 37.433 86.341 35.121 4.1 Fees and Commissions Received 134.608 48.366 105.040 41.794 4.1.1 Non-cash Loans 3.282 1.184 2.391 843 4.1.2 Other 131.326 47.182 102.649 40.951 4.2 Fees and Commissions Paid (-) 28.077 10.933 18.699 6.673 4.2.1 Non-cash Loans 40 11 22 10 4.2.2 Other 28.037 10.922 18.677 6.663 V. DIVIDEND INCOME 326 - 124 15 VI. TRADING INCOME / (LOSS) (Net) (IV-c) (32.971) (16.361) 98 (6.698) 6.1 Trading Income / (Loss) on Securities 10.610 2.429 10.497 3.531 6.2 Income / (Loss) on Derivative Financial Transactions (43.692) 9.358 3.666 130 6.3 Foreign Exchange Income / (Loss) 111 (28.148) (14.065) (10.359) VII. OTHER OPERATING INCOME (IV-d) 8.081 2.403 5.534 1.233 VIII. GROSS OPERATING INCOME (III+IV+V+VI+VII) 212.340 65.822 162.789 60.516 IX. EXPECTED CREDIT LOSS (-) (IV-e) 35.704 9.223 31.429 13.169 X. OTHER PROVISION EXPENSES (-) 2.027 2.025 32 1 XI. PERSONNEL EXPENSE (-) 40.750 13.706 29.276 10.728 XII. OTHER OPERATING EXPENSES (-) (IV-f) 71.385 25.079 53.558 18.586 XIII. NET OPERATING INCOME/(LOSS) (VIII-IX-X-XI-XII) 62.474 15.789 48.494 18.032 XIV. EXCESS AMOUNT RECORDED AS INCOME AFTER MERGER XV. INCOME/(LOSS) FROM INVESTMENTS IN SUBSIDIARIES CONSOLIDATED - - - - BASED ON EQUITY METHOD 356 86 72 62 XVI. INCOME/(LOSS) ON NET MONETARY POSITION - - - - XVII. PROFIT/LOSS BEFORE TAX FROM CONTINUED OPERATIONS (XIII+...+XVI) 62.830 15.875 48.566 18.094 XVIII. (IV-h) 16.897 4.275 9.658 4.038 18.1 Current Tax Provision 12.963 (5.644) 4.402 1.553 18.2 Deferred Tax Expense Effect (+) 8.267 2.614 12.380 5.308 18.3 Deferred Tax Income Effect (-) 4.333 (7.305) 7.124 2.823 XIX. 45.933 11.600 38.908 14.056 XX. INCOME FROM DISCONTINUED OPERATIONS - - - - 20.1 Income from Non-current Assets Held for Sale - - - - 20.2 Profit from Sales of Associates, Subsidiaries and Joint Ventures - - - - 20.3 Income from Other Discontinued Operations - - - - XXI. EXPENSES FOR DISCONTINUED OPERATIONS (-) - - - - 21.1 Expenses for Non-current Assets Held for Sale - - - - 21.2 Loss from Sales of Associates, Subsidiaries and Joint Ventures - - - - 21.3 Expenses for Other Discontinued Operations - - - - XXII. PROFIT/LOSS BEFORE TAX FROM DISCONTINUED OPERATIONS (XX-XXI) - - - - XXIII. - - - - 23.1 Current Tax Provision - - - - 23.2 Deferred Tax Expense Effect (+) - - - - 23.3 Deferred Tax Income Effect (-) - - - - XXIV. - - - - XXV. NET PROFIT/(LOSS) (XIX+XXIV) 45.933 11.600 38.908 14.056 25.1 Profit/(Loss) from the Group 45.950 11.600 38.923 14.064 25.2 Profit/(Loss) from Minority Interest (IV-g) (17) - (15) (8) Earning/(Loss) per share (in TL full) 0,08837 0,02231 0,07485 0,02705 The accompanying explanations and notes form an integral part of these financial statements. 6

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IV. CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE PERIOD ENDED 30 SEPTEMBER 2026 (Amounts are expressed in millions of Turkish Lira (TL).) CURRENT PERIOD PRIOR PERIOD (30/09/2026) (30/06/2025) I. CURRENT PERIOD PROFIT/LOSS 45.933 38.908 II. OTHER COMPREHENSIVE INCOME (14.301) 4.416 2.1 Not Reclassified Through Profit or Loss 393 492 2.1.1 Property and Equipment Revaluation Increase/Decrease (179) (60) 2.1.2 Intangible Assets Revaluation Increase/Decrease - - 2.1.3 Defined Benefit Plan Remeasurement Gain/Loss (319) (257) 2.1.4 Other Comprehensive Income Items Not Reclassified Through Profit or Loss - - 2.1.5 Tax Related Other Comprehensive Income Items Not Reclassified Through Profit or Loss 891 809 2.2 Reclassified Through Profit or Loss (14.694) 3.924 2.2.1 Foreign Currency Translation Differences 7.109 14.522 2.2.2 Valuation and/or Reclassification Income/Expense of the Financial Assets at Fair Value through Other (23.972) 89 2.2.3 Cash Flow Hedge Income/Loss 11 (982) 2.2.4 Foreign Net Investment Hedge Income/Loss (7.049) (14.397) 2.2.5 Other Comprehensive Income Items Reclassified Through Profit or Loss - - 2.2.6 Tax Related Other Comprehensive Income Items Reclassified Through Profit or Loss 9.207 4.692 III. TOTAL COMPREHENSIVE INCOME (I+II) 31.632 43.324 The accompanying explanations and notes form an integral part of these financial statements. 7

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SECTION TWO CONSOLIDATED FINANCIAL STATEMENTS V. CONSOLIDATED STATEMENT OF CHANGES IN THE SHAREHOLDERS' EQUITY FOR THE PERIOD ENDED 30 SEPTEMBER 2026 (Amounts are expressed in millions of Turkish Lira (TL)). Note (Section Five) Paid-in Capital Share Premiums Share Cancellation Profits Other Capital Reserves Accumulated Revaluation Increase/Decrease of Property and Equipment Accumulated Remeasurement Gain/Loss of Defined Benefit Plan Other (Investments Valued by Equity Method in Other Comprehensive Income Not Classified Through Profit or Loss and Other Accumulated Amounts of Other Comprehensive Income Items Not Reclassified Through Other Profit or Loss) Foreign Currency Translation Differences Accumulated Revaluation and/or Remeasurement Gain/Loss of the Financial Assets at Fair Value Through Other Comprehensive Income Other (Cash Flow Hedge Gain/Loss, Investments Valued by Equity Method in Other Comprehensive Income Classified Through Profit or Loss and Other Accumulated Amounts of Other Comprehensive Income Items Reclassified Through Other Profit or Loss) Profit Reserves Prior Period Profit or (Loss) Current Period Profit or (Loss) Total Equity Except from Minority Interest Minority Interest Total Shareholders' Equity CURRENT PERIOD (30/09/2026) I. Prior Period End Balance 5.200 3.506 - 1.815 29.184 (3.023) 86 48.977 (5.204) (28.692) 200.905 178 57.255 310.187 (17) 310.170 II. Corrections Made As Per TAS 8 - - - - - - - - - - - - - - - - 2.1 Effects of Corrections - - - - - - - - - - - - - - - - 2.2 Effects of the Changes in Accounting Policies - - - - - - - - - - - - - - - - III. Adjusted Beginning Balance (I+II) 5.200 3.506 - 1.815 29.184 (3.023) 86 48.977 (5.204) (28.692) 200.905 178 57.255 310.187 (17) 310.170 IV. Total Comprehensive Income - - - - 616 (223) - 7.109 (16.876) (4.927) - - 45.950 31.649 (17) 31.632 V. Capital Increase by Cash - - - - - - - - - - - - - - - - VI. Capital Increase by Internal Sources - - - - - - 40 - - - - - - 40 - 40 VII. Paid-in capital inflation adjustment difference - - - - - - - - - - - - - - - - VIII. Convertible Bonds to Shares - - - - - - - - - - - - - - - - IX. Subordinated Debt Instruments - - - - - - - - - - - - - - - - X. Increase/Decrease by Other Changes - - - - (74) - - - - - 74 (167) - (167) 34 (133) XI. Profit Distribution - - - - - - - - - - 45.806 - (57.255) (11.449) - (11.449) 11.1 Dividends paid - - - - - - - - - - - - (11.449) (11.449) (11.449) 11.2 Transfers to Reserves - - - - - - - - - - 45.806 - (45.806) - - - 11.3 Other - - - - - - - - - - - - - - - - 5.200 3.506 - 1.815 29.726 (3.246) 126 56.086 (22.080) (33.619) 246.785 11 45.950 330.260 - 330.260 The accompanying explanations and notes form an integral part of these financial statements. Accumulated Other Comprehensive Income or Expense Not Reclassified through Profit or Loss Accumulated Other Comprehensive Income or Expense Reclassified through Profit or Loss 8

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V. CONSOLIDATED STATEMENT OF CHANGES IN THE SHAREHOLDERS' EQUITY FOR THE PERIOD ENDED 30 SEPTEMBER 2025 (Amounts are expressed in millions of Turkish Lira (TL)). Note (Section Five) Paid-in Capital Share Premiums Share Cancellation Profits Other Capital Reserves Accumulated Revaluation Increase/Decrease of Property and Equipment Accumulated Remeasurement Gain/Loss of Defined Benefit Plan Other (Investments Valued by Equity Method in Other Comprehensive Income Not Classified Through Profit or Loss and Other Accumulated Amounts of Other Comprehensive Income Items Not Reclassified Through Other Profit or Loss) Foreign Currency Translation Differences Accumulated Revaluation and/or Remeasurement Gain/Loss of the Financial Assets at Fair Value Through Other Comprehensive Income Other (Cash Flow Hedge Gain/Loss, Investments Valued by Equity Method in Other Comprehensive Income Classified Through Profit or Loss and Other Accumulated Amounts of Other Comprehensive Income Items Reclassified Through Other Profit or Loss) Profit Reserves Prior Period Profit or (Loss) Current Period Profit or (Loss) Total Equity Except from Minority Interest Minority Interest Total Shareholders' Equity PRIOR PERIOD (30/09/2025) I. Prior Period End Balance 5.200 3.506 - 1.815 21.391 (3.245) 49 32.492 (11.965) (16.264) 164.848 178 42.366 240.371 12 240.383 II. Corrections and Accounting Policy Changes Made According to TAS 8 - - - - - - - - - - - - - - - - 2.1 Effects of Corrections - - - - - - - - - - - - - - - - 2.2 Effects of the Changes in Accounting Policies - - - - - - - - - - - - - - - - III. Adjusted Beginning Balance (I+II) 5.200 3.506 - 1.815 21.391 (3.245) 49 32.492 (11.965) (16.264) 164.848 178 42.366 240.371 12 240.383 IV. Total Comprehensive Income - - - - 672 (180) - 14.522 171 (10.769) - - 38.923 43.339 (15) 43.324 V. Capital Increase by Cash - - - - - - - - - - - - - - - - VI. Capital Increase by Internal Sources - - - - - - 37 - - - - - - 37 - 37 VII. Paid-in capital inflation adjustment difference - - - - - - - - - - - - - - - - VIII. Convertible Bonds to Shares - - - - - - - - - - - - - - - - IX. Subordinated Debt Instruments - - - - - - - - - - - - - - - - X. Increase/Decrease by Other Changes - - - - (46) - - - - - 46 - - - - XI. Profit Distribution - - - - - - - - - - 36.012 - (42.366) (6.354) - (6.354) 11.1 Dividends paid - - - - - - - - - - - - (6.354) (6.354) - (6.354) 11.2 Transfers to Reserves - - - - - - - - - - 36.012 - (36.012) - - - 11.3 Other - - - - - - - - - - - - - - - - 5.200 3.506 - 1.815 22.017 (3.425) 86 47.014 (11.794) (27.033) 200.906 178 38.923 277.393 (3) 277.390 Accumulated Other Comprehensive Income or Expense Not Reclassified through Profit or Loss Accumulated Other Comprehensive Income or Expense Reclassified through Profit or Loss The accompanying explanations and notes form an integral part of these financial statements. 9

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SECTION TWO CONSOLIDATED FINANCIAL STATEMENTS VI. CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE PERIOD ENDED 30 SEPTEMBER 2026 (Amounts are expressed in millions of Turkish Lira (TL)). Note CURRENT PERIOD PRIOR PERIOD (Section Five) (30/09/2026) (30/06/2025) A. CASH FLOWS FROM BANKING OPERATIONS 1.1 Operating Profit before changes in operating assets and liabilities 79.030 41.095 1.1.1 Interest received 514.668 429.627 1.1.2 Interest paid (422.271) (421.448) 1.1.3 Dividend received 326 124 1.1.4 Fees and commissions received 134.749 101.309 1.1.5 Other income 6.945 14.163 1.1.6 Collections from previously written-off loans and other receivables 22.779 13.839 1.1.7 Cash Payments to personnel and service suppliers (44.459) (32.114) 1.1.8 Taxes paid (23.267) (7.854) 1.1.9 Other (110.440) (56.551) 1.2 Changes in operating assets and liabilities 15.238 (12.704) 1.2.1 Net (Increase)/Decrease in Financial Assets at Fair Value Through Profit or Loss (1.163) (10.581) 1.2.2 Net (increase) / decrease in due from banks and other financial institutions (7.588) 3.452 1.2.3 Net (increase) / decrease in loans (445.082) (383.027) 1.2.4 Net (increase) / decrease in other assets (18.284) (22.268) 1.2.5 Net increase / (decrease) in bank deposits (25.255) (1.474) 1.2.6 Net increase / (decrease) in other deposits 476.851 407.240 1.2.7 Net Increase/(Decrease) in Financial Liabilities at Fair Value Through Profit or Loss - - 1.2.8 Net increase / (decrease) in funds borrowed 45.753 49.077 1.2.9 Net increase / (decrease) in payables - - 1.2.10 Net increase / (decrease) in other liabilities (9.994) (55.123) I. Net cash provided from banking operations 94.268 28.391 B. CASH FLOWS FROM INVESTING ACTIVITIES II. Net cash provided from investing activities (119.422) (114.807) 2.1 Cash paid for acquisition of investments, associates and subsidiaries - (295) 2.2 Cash obtained from disposal of investments, associates and subsidiaries - - 2.3 Purchases of property and equipment (12.073) (7.318) 2.4 Disposals of property and equipment 816 318 2.5 Purchase of Financial Assets at Fair Value Through Other Comprehensive Income (232.166) (293.025) 2.6 Sale of Financial Assets at Fair Value Through Other Comprehensive Income 155.927 180.915 2.7 Purchase of Financial Assets Measured at Amortised Cost (5.979) (2) 2.8 Sale of Financial Assets Measured at Amortised Cost 955 7.050 2.9 Other (26.902) (2.450) C. CASH FLOWS FROM FINANCING ACTIVITIES III. Net cash provided from financing activities 85.337 98.694 3.1 Cash obtained from funds borrowed and securities issued 202.719 138.826 3.2 Cash used for repayment of funds borrowed and securities issued (103.571) (32.020) 3.3 Issued equity instruments - - 3.4 Dividends paid (11.449) (6.354) 3.5 Payments for finance leases (2.362) (1.758) 3.6 Other - - IV. Effect of change in foreign exchange rate on cash and cash equivalents 9.642 19.821 V. Net increase / (decrease) in cash and cash equivalents (I+II+III+IV) 69.825 32.099 VI. Cash and cash equivalents at beginning of the period 80.944 61.980 VII. Cash and cash equivalents at end of the period 150.769 94.079 The accompanying explanations and notes form an integral part of these financial statements. 10

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 11 SECTION THREE EXPLANATIONS ON ACCOUNTING POLICIES I. EXPLANATIONS ON BASIS OF PRESENTATION: a. The preparation of the consolidated financial statements and related notes and explanations in accordance with the Turkish Accounting Standards and Regulation on Accounting Applications for Banks and Safeguarding of Documents: The consolidated financial statements are prepared within the scope of the “Regulation on the Procedures and Principles for Accounting Practices and Retention of Documents by Banks” relate d with Banking Law numbered 5411 published in the Official Gazette no.26333 dated 1 November 2006 and in accordance with the regulations, communiqués, interpretations and legislations related to accounting and financial reporting principles publishe d by the Banking Regulation and Supervision Agency (“BRSA”), i n case where a specific regulation is not made by BRSA, “Turkish Financial Reporting Standards” (“TFRS”) and related appendices and interpretations put into effect by Public Oversight Accounting and Auditing Standards Authority (“POA”). The format and content of the publicly announced consolidated financial statements and notes to these statements have been prepared in accordance with the “Communiqué on Financial Statements to be Disclosed to Public by Banks and Explanations and Footnotes Thereof” and “Communiqué On Disclosures About Risk Management To Be Announced To Public By Banks” and amendments to this Communiqué. The Bank maintains its books in Turkish Lira in a ccordance with the Banking Law, Turkish Commercial Code and Turkish Tax Legislation. The consolidated financial statements have been prepared in TL, under the historical cost convention except for the financial assets and liabilities carried at fair value. Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated. The preparation of consolidated financial statements in conformi ty with TFRS requires the use of certain critical accounting estimates by the Bank management to exercise its judgment on the assets and liabilities of the balance sheet and contingent issues as of the balance sheet date. These estimates, which include the fair value calculations of financial instruments and impairments of financial assets are being reviewed regularly and, when necessary, suitable corrections are made and the effects of these corrections are reflected to the income statement. Assumptions and estimates that are used in the preparation of the accompanying financial statements are explained in the following related disclosures. b. Explanation for convenience translation to English: The differences between accounting principles, as described in these preceding paragraphs and accounting principles generally accepted in countries in which consolidat ed financial statements are to be distri buted and International Financial Reporting Standards (“IFRS”) have not been quantified in these consolidat ed financial statements. Accordingly, these consolidated financi al statements are not intended to present the financial position, results of operations and changes in financial position and cash flows in accordance with the accounting principles generally accepted in such countries and IFRS. c. Accounting policies and valuation principles used in the preparation of the financial statements: Accounting policies and valuation principles adopted when prep aring financial statements are in line with the legislation, communiqué, explanation and circular released by BRSA concerning accounting and financial reporting, and, for matters which are not regulated by the foregoing, with the provisions of TAS/TFRS (together “BRSA Accounting and Financial Reporting Legislation) put into force by Public Oversight, Accounting and Auditing Standards Authority (POA). Public Oversight Accounting and Auditing Standards Authority ("POA"), with its announcement dated 23 November 2023, applied that the financial statements of businesses applying Turkish Financial Reporting Standards for the annual reporting period ending on or after 30 September 2026 should be prepared in accordance with the Financial Reporting in Hyperinflationary Economies ("TAS 29"), however, institutions or organizations authorized to regulate and supervise in their own fields may determine different transit ion dates for the applying of TAS 29. Based on this announcement of POA, BRSA, with its decision dated 12 December 2023 and numbered 10744, decided that the financial statements dated 31 December 2023 of banks and financia l leasing, factoring, financing, savings financing and asset management companies should not be subject to the inflation adjustment required within the scope of TAS 29. Based on the BRSA’s decisions dated 12 April 2023 and numbe red 10744, 10 January 2024 and numbered 10825, 5 December 2024 and numbered 11021 and 18 January 2025 and numbered 11340, issued with reference to the announcement of the POA, it has been resolved that, as well as financial leasin g, factoring, financing and savings financing companies, shall not be subject to infl ation adjustment within the scope of TAS 29. Accordingly, the Bank ha s not applied inflation accounting in accordance with TAS 29 in its financial statements for the period ended 30 September 2026.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 12 Pursuant to the Communiqué Amending the Communiqué on Financial Statements to be Publicly Disclosed by Banks and the Related Explanations and Notes, published in the Official Gazette No . 33239 dated 30 April 2026, the amount s presented in the financial statements and the related disclosures and notes have been presen ted in millions of Turkish Lira (TL) starting from the reporti ng period ended 30 June 2026. Comparative prior period amounts have also been presented in millions of Turkish Lira (TL) on the same basis. d. Items Subject to different accounting policies in the preparation of consolidated financial statements: There are no items subject to different accounting policies in the preparation of these consolidated financial statements. II. EXPLANATIONS ON STRATEGY OF USING FINANCIAL IN STRUMENTS AND EXPLANATIONS ON FOREIGN CURRENCY TRANSACTIONS: The Group’s core business activities include consumer banking, SME banking, commercial banking, and corporate-investment banking and private banking and wealth ma nagement, foreign exchange, money markets, securities transactions (Treasury transactions) and international banking services. The Group perfor ms financial leasing transactions through Ak Finansal Kiralam a A.Ş. By nature, the Group’s activities are principally related to the use of financial instruments. As the main funding source, the Group accepts deposits from customers for various periods and invests these funds in high quality assets with high interest margins. Other than deposits, the Group’s most im portant funding sources are equity, market able securities issued, money market borrowings and mostly borrowings from foreign financial institutions. The Group follows an asset-liability management strategy that mitigates risk and increases earnings by balancing the funds bo rrowed and the investments in va rious financial assets. The main objective of asset-liability management is to limit the Group’s exposure to liquidity risk, interest rate risk, currency risk and credit risk while increasing profitability and strengthening the Group’s equity. The Asset-Liability Committee (“ALCO”) manages the assets and liabilities within the trading limits on the level of exposure placed by the Executive Risk Committee (“ERC”). Foreign currency denominated monetary assets and liabilities have been evaluated by buying exchange rates of last period for th e Parent Bank and by the exchange rates of the Central Bank of the Republic of Türkiye for domestic subsidiaries. Gains and losse s arising from such transactions are reco gnized in the income statement under the account of “Net foreign exchange income/expense”. Assets and liabilities of foreign subsidiaries are translated into Turkish lira using the foreign exchange rat es prevailing at the balance sheet date, income and expenses of fore ign subsidiaries are translated into Turkish Lira at the avera ge exchange rates and all resulting exchange differences are accounted in the shareholders’ equity under “Other profit reserves”. As of 30 September 2026, foreign currency denominated balances are translated into TL using the exchange rates of TL 48,9303 and TL 55,5567 for USD and EURO respectively. III. EXPLANATIONS ON EQUITY INVESTMENTS: Consolidated financial statements are prepared in accordance wi th the “Turkish Financial Reporting Standard for Consolidated Financial Statements” (“TFRS 10”) and “Communiqué on Preparation of Consolidated Financial Statements of Banks” published in the Official Gazette no.26340 dated 8 November 2006. Consolidation principles for subsidiaries: Subsidiaries are the entities controlled directly or indirectly by the Bank. Control is defined as the power over the investee, exposure or ri ghts to variable returns from its involvement with the investee and the ability to use its power over the investee to affect the amount of the Bank’s returns. Financial subsidiaries are consolidated us ing the full consolidation method. Financial statements of related subsidiaries are consolidated from the date when the control is transferred to the Bank. Subsidiaries owned by the Parent Bank and its subsidiaries within the scope of consolidation and which are not financial institutions are accounted for using the equity method defined in “TAS 28 Investments in Associates and Joint Ventures”. In the full consolidation method, 100% of subsidiaries’ assets, liabilities, income, expense and off-balance sheet items are combined with the Parent Bank’s assets, liabilities, income, expense and off-balance sheet items.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 13 The carrying amount of the Group’s investment in each subsidiary and the Group’s portion of the cost value of the capital of ea ch subsidiary are eliminated. Intragroup balances and intragroup transactions and resulting un realized profits and losses are eliminated. Minority interests in the net in come of consolidated subsidiaries are identified and adjusted against the income of the Group in order to arrive at the net income attributable to the Group and presented separately in the Group’s income. Minority interests are presented in the consolidated balance sheet, in the shareholders’ equity. Accounting policies of subsidiaries have been changed where necessary to ensure consistency with the policies adopted by the Group. The Parent Bank and its subsidiaries, Ak Yatırım Menkul Değerler A.Ş., AK Portföy Yönetimi A.Ş., Akbank AG, Ak Finansal Kiralam a A.Ş., AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş., its indirect subsidiary Stablex Kripto Varlık Alım Satım Platformu A.Ş.and Ak Yatırım Varlık Kiralama A.Ş. has been incl uded in the scope of consolidation. The Pare nt Bank together with its consolidated subsidiaries are referred to as the “Group”. Ak Yatırım Menkul Değerler A.Ş. was established on 11 December 1996 to trade in capital markets in accordance with Capital Market Law. This company is delivering intermed iary services in capital markets, discre tionary portfolio management, derivative transactions, repurchase and reverse repurchase agreements with authorizations given by the Capital Markets Board for each transaction. Ak Finansal Kiralama A.Ş. was established in 1988 for leasing op erations and all kinds of agreemen ts and transactions related to these operations. Ak Portföy Yönetimi A.Ş. was established on 28 June 2000 and manages its own investment (mutual) funds, all pension funds AgeSA Hayat ve Emeklilik A.Ş. and some of the pension funds established by Axa Hayat Emeklilik A.Ş., Allianz Hayat Emeklilik A.Ş., Allianz Yaşam Emeklilik A.Ş. and Zurich Yaşam ve Emeklilik A.Ş. The company also is managing both individual and institutional customers' portfolios, it continues investing in the Fund SICAV 2 Türkiye on the international market and founder of 1 Sompo Japan in mone y market funds management activities. Akbank AG operates in Germany, providing corporate, consumer and private banking services. Aköde Elektronik Para ve Ödeme Hizmetleri A.Ş., 100% owned by the Bank, has been established on 19 February 2018 to provide payment services and electronic money issuance under the Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions registered in the trade registry. Stablex Kripto Varlık Alım Satım Platformu A.Ş., a technology company focused on blockchain technologies and cryptocurrency assets, was established in 2021 and became a subsidiary of the company after the majority of its shares were acquired by Ak Yatırım Menkul Değerler A.Ş. in 2023. Ak Yatırım Varlık Kiralama A.Ş. was established in 2026 as a wholly-owned subsidiary of Ak Yatırım Menkul Değerler A.Ş., for th e purpose of issuing lease certificates (sukuk) in accordance with the principles of interest-free finance. IV. EXPLANATIONS ON FORWARD TRANSACTIONS, OPTIONS AND DERIVATIVE INSTRUMENTS: The Group's major derivative instruments consists of foreign currency and interest rate swaps, cross currency swaps, currency options and currency forwards. The Bank classifies its derivative instruments as “Derivative Fi nancial Assets Measured at Fair Value Through Profit and Loss” in accordance with “TFRS 9 Financial Instruments" (TFRS 9). Liabilities and receivables arising from the derivative instruments are followed in the off-balance sheet accounts at their contractual values. Derivative instruments are remeasured at fair value after init ial recognition. In accordance wi th the classification of the der ivative instrument, if the fair value of a derivative financial instrument is positive, it is recorded to the account “Derivative Finan cial Assets Measured at Fair Value Through Profit and Loss” or “Derivative Financial Assets Measured at Fair Value Through Other Comprehensive Income”; if the fair value di fference is negative, it is disclosed in “Derivative Financial Liabilities Measured at Fair Value Through Profit and Loss” or “Derivative Financial Liabilit ies Measured at Fair Value Through Other Comprehensive Income”. Differences in the fair value of trading de rivative instruments are accounted as income/loss from derivative financial transact ions under “trading income/loss” item in the income statement. The basis on accounting of derivative instruments for hedging purposes are explained in Note VIII of Section Four. The fair values of the derivative financial instruments are calculated using quoted market prices or by using discounted cash flow models.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 14 In accordance with the provisions of TFRS 9 Financial Instrument s, the relevant regulatory provisions apply to all contracts th at include a hybrid product linked to a financial instrument but cannot be transferred independently of the instrument by contract and have the same economic characteristics and risks as the instrument. As of 30 September 2026, these bonds in the bank’s portfolio, which contain credit risk, are classified as “Financial Assets at Fair Value through Profit or Loss” along with their derivative product characteristics and are accounted for in accordance with the valuation principles of the portfolio they belong to. V. EXPLANATIONS ON INTEREST INCOME AND EXPENSE: Interest income and expenses are recognized in the income statement by using the “Effective interest rate method”. Starting from 1 January 2018, Group has started to calculate interest accrual on non-performing loans. Net book value of the non-performing loans (Gross Book Value – Expected Credit Loss) are rediscounted with effective interest rate and recognized with the gross book value of the non-performing loan. Non-performing loans rediscounts are eval uated on customer basis and are discontinued if there is in case of low collectibility. VI. EXPLANATIONS ON FEE AND COMMISSION INCOME AND EXPENSES: Fees and commission income/expenses are primarily recognized on an accrual basis or “Effective interest rate method” and TFRS 15 “Revenue from Contracts with Customers” according to the natu re of the fee and commission, except for certain commission income and fees for various banking services which are recorded as income at the time of collect ion. Contract based fees or fee s received for services such as the purchase and sale of assets on behalf of a third party or legal person are recognized as income at the time of collection. VII. EXPLANATIONS ON FINANCIAL ASSETS: The Group categorizes its financial assets as “Fair Value Through Profit/Loss”, “Fair Value Through Other Comprehensive Income” or “Measured at Amortized Cost”. Such financial assets are recognized or derecognized according to TFRS 9 Financial Instruments Part 3 Issued for classification and measurement of the financ ial instruments published in th e Official Gazette No. 29953 dated 19 January 2017 by the Public Oversight Accounting and Auditing Standa rds Authority (“POA”). Financia l assets are measured at fair value at initial recognition in the financial statements. During the initial recognition of financial assets other than "Financ ial Assets at Fair Value Through Profit or Loss", transaction costs are added to fair value or deducted from fair value. Classification and measurement of financial assets According to TFRS 9 requirements, classification and measuremen t of financial assets will depend on the business model within which financial assets are managed and their contractual cash flow characteristics whether th e cash flows represent solely payments of principal and interest. Assessment whether contractual cash flows are solely payments of principal and interest: For the purposes of this assessment, “principal” is defined as the fair value of the financial asset on initial recognition. “Interest” is defined as consideration for the time value of money, for the cr edit risk associated with the principal amount outstanding duri ng a particular period of time and for other basic lending risks and costs (e.g. liquidity risk and ad ministrative costs), as well as a profit margin. In assessing whether the contractual cash flows are solely payments of principal and interest, the Group will consider the contractual terms of the instrument. This will include assessing whether the financial asset contains a contractual term that could change the timing or amount of contractual cash flows such that it would not meet this condition. In making the assessment, the Group consider: - Contingent events that would change the amount and timing of cash flows; - Leverage features; - Prepayment and extension terms; - Terms that limit the Bank’s claim to cash flows from specified assets - Features that modify consideration for the time value of money – e.g. periodic reset of interest rates.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 15 The Group fulfills the on-balance sheet classification and measurement criteria by applying the procedures described above for all financial assets. Upon initial recognition, each financial asset will be classified as either fair value through profit or loss, amortised cost or fair value through other comprehensive income. The Group recognize a financial asset into financial statements wh en it becomes a party to the contractual terms of a financial instrument. During the first recognition of a financial asset in to the financial statements, busi ness model determined by Bank management and the nature of contractual cash flows of the financial asset are taken into consideration. When the business model determined by the Group management is changed, all financial assets affected by this change are reclassified and the reclassification is ap plied in the future. In this case, no adju stment is made for the gain, loss or inter est rates previously recognized in the financial statements. a. Financial assets at the fair value through profit or loss: Financial assets at fair value through profit/loss” are financia l assets other than the ones th at are managed with business mod el that aims to hold to collect contractual cash flows or business model that aims to collect both the contractual cash flows and cash flows arising from the sale of the assets; and if the contractua l terms of the financial asset do not lead to cash flows repres enting solely payments of principal and interest at certain date; that are either acquired for generating a profit from short-term fluctuations in prices or are financial assets included in a portfolio aiming to short-term profit making. Financial assets at the fair value through profit or loss are initially recognized at fair value and remeas ured at their fair value after recognition. All gains and losse s arising from these valuations are reflected in the income statement. b. Financial assets at fair value through other comprehensive income In addition to financial assets within a bu siness model that aims to hold to collect contractual cash flows and aims to hold to sell, financial asset with contractual terms that lead to cash flows are solely payments of principal and interest at certain dates, they are classified as fair value through other comprehensive income. Financial assets at fair value through other comprehensive income are recognized by adding transaction cost to acquisition cost reflecting the fair value of the financial asset. After the recognition, financial assets at fair value through other comprehensive income are remeasured at fair value. Interest income calculated with effective interest rate method arising from financial assets at fair value through other comprehensive income and dividend income from equity securities are recorded to income statement. “Unrealized gains and losses” arising from the difference between the amortized cost and the fair value of financial assets at fair value through other comprehensive income are not reflected in the income statem ent of the period until the acquisition of the asset, sale of the asset, the disposal of the asset, and impairment of the asset and they are accounted under the “Accumulated other comprehensive income or expense to be reclassified through profit or loss” under shareholders’ equity. When these securities are collected or disposed of, the related fair value differences accumulated in the shareholders’ equity are transferred to the income statement. Equity instruments classified as financial assets at fair value through other comprehensive income are accounted at their fair values. Exceptionally, cost can be an appropriate estimation method in determining fair value. This is only possible if there is insuff icient recent information on the measurement of fair value or if fair value can be measured by more than one method and the cost reflects the fair value estimate in the best way. In the case of using this method, the accumulated fair value differences will not be reflected in the income statement. During initial recognition the Bank can choose in an irrevocable was to record the changes of the fair value of the investment in an equity instrument that is not held for trading purposes in the other comprehensive income. In the case of this preference, the dividend from the investment is taken into the financial statements as profit or loss. c. Financial assets measured at amortized cost: Financial assets that are held for collection of contractual cash flows where those cash flows represent solely payments of principal and interest are classified as financial assets measured at amortized cost. Financial assets measured at amortized cost are initially recognized at acquisition cost including the transaction costs, which reflect the fair value of those instruments and subsequently recognized at amortized cost by using effective interest rate method. Interest income obtained from financial assets measured at amortized cost is accounted in income statement.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 16 “Fair value through other comprehensive income” and “measured at amortized cost” securities portfolio of the Group include Consumer Price Indexed (CPI) Bonds. These securities are valued and accounted using the effective interest rate method based on the real coupon rates and the reference inflation index at the issue date and the estimated inflation rate. The reference indices used in calculating the actual coupon payment amounts of these assets are based on the Consumer Price Index (CPI) of prior two months. The Bank also sets the estimated inflation rate accordingly. The estimated inflation rate used is updated as needed within the year. In this context, the valuation of these securities was made acco rding to an annual inflation foreca st of 29,5% as of 30 Septemb er 2026. At the end of the year, the real inflation rate is used. d. Derivative Financial Assets: The major derivative instruments utilized by the Group are foreign currency and interest rate swaps, cross currency swaps, currency options and currency forwards. Derivative financial instruments of the Grou p are classified under "TFRS 9 Financial Instruments" ("TFRS 9"), "Derivative Finan cial Assets Designated at Fair Value through Profit or Loss". Payables and receivables arising from the derivative instruments are recorded in the off-balance sheet accounts at their contractual values. Derivative transactions are valued at their fair values subseque nt to their acquisition. In accordance with the classification of derivative financial instruments, if the fa ir value is positive, the amount is classi fied as "Derivative Financial Assets Desig nated at Fair Value Through Profit or Loss" or "Derivative Financial Assets Designated at Fair Value Through Other Comprehensive Income", if the fair value is negative, the amount is classified as "Derivative Financial Liab ilities Designated at Fair Value Through P rofit or Loss" or "Derivative Financial Liabilities Designated at Fair Value Through Other Comprehensive Income". The fair value differences of derivative financial instruments are recognized in the income statement under trading profit/loss line in profit/loss from derivative financial transactions. The principles for the recognition of deri vative transactions intended for hedging purposes are disclos ed in the note numbered VIII of Section Four. The fair value of derivative instruments is calculated by taking into account the market value of the derivatives or by using the discounted cash flow model. Wh en inactive market conditions exist, observable inputs used in the determination of fair values ar e adjusted using appropriate assumptions and considering the volume and level of activity in the markets. e. Loans Loans are financial assets that have fixed or determinable payments terms and are not quoted in an active market. Loans are initially recognized at acquisition cost plus transaction costs presenting their fair value and thereafter measured at amortized cost using the "Effective Interest Rate (internal rate of return) Method". 1. Loans measured at amortized cost: These financial assets are divided into three categories depending on the gradual increase in credit risk observed since their initial recognition: Stage 1: For the financial assets at initial recognition or that, do not have a significant increase in credit risk since initial recogn ition. Impairment for credit risk is recorded in the amount of 12-month expected credit losses. Stage 2: In the event of a significant increase in credit risk since initial recognition, the financial asset is transferred to Stage 2. Impairment for credit risk is determined based on the instrument’s lifetime expected credit losses. Stage 3: Stage 3 includes financial assets that have objective evidence of impairment at the reporting date. For these assets, lifetime expected credit losses are recognized.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 17 2. Loans measured at fair value through profit or loss: Loans at fair value through profit and loss, terms of the contract for loans, if at certain dates it does not result in cash flows involving interest payments arising from the principal and principal balances, it is recorded at fair value and is subject to fair value assessment following the recognition. Gains and losses resulting from the valuation are included in profit/loss accounts. In certain circumstances, restructuring or altering the contractual cash flows of a financial instrument may result in the disposal of the existing financial asset in accordance with TFRS 9. A revised financial asset is considered as a new financial asset when t he change in the financial asset is once excl uded from the financial statement and the revised financial asset is recognized in accordance with TFRS 9. The Bank assesses whether the new financial asset contains solely payments of principal and interest when the new conditions for the instrument have determined that there are significant changes compared to the initial conditions in the relevant contracts. In the event that the contractual conditions for the financial asset do not result in cash flows that include solely payments of principal and interest on certain dates, the related financial asset is recognized with its fair value and is subject to valuation. Significant increase in credit risk: If the credit risk of financial assets determined to be significantly increasing, afore-mentioned assets are transferred to the stage II. For stage I loans, expected loss (provision ) amounts are calculated for 1-year and fo r stage II loans expected loss (provision) is calculated for the remaining life of the loan. In addition, the key considerations in determining whether a significant increase in the credit risk of financial asset and transferring it to stage 2, but are not limited with these, the following; - Past due date is 30 or more - Restructuring of loans - If the loan classified as under follow-up - Assessment of significant increase in the probability of impairment based on rating notes. Definition of increase in the probability of default is the comparison between the probability of default on loan’s opening date, obtained from bank’s credit rating models and probability of default on reporting date. If the loan’s estimated probability of default on reporting date exceeds the threshold values determined, it is considered to be worsening of the probability of default. Definition of Default: The Bank considers that there is a default on the relevant debt in the following two cases: 1. Objective Default Definition: It means that the debt is overdue by more than 90 days. The definition of default, which is applicable to the Bank and its consolidated financial institutions, is based on the criteria that the debt is overdue by more than 90 days. 2. Subjective Default Definition: It means the determination that the debt will not be paid. If it is determined that the borrower cannot fulfill its debts related to the loan, regardless of whether there is a balance in delay or the number of days of delay, the debtor is considered in default. Write-off Policy: Within the framework of the provisions of the “Regulation Amen ding the Regulation on the Procedures and Principles for Classification of Loans by Banks and Provisions to be set asid e” published in the Official Gazette dated 6 July 2021 and number ed 31533 the portion of the loans that are classified under “Fifth Group-Loans with a Loss Qualification” and for which a lifetime expected loan loss provision or special provision is made due to the defa ult of the borrower, for which there are no reasonable expectat ions for the recovery of the loans, within the scope of TFRS 9, as of the first reporting period (interim or year-end reporting peri od) following their classification in this Group, deducted from the records within the period deemed appropriate by the bank, taking into account the situation of the debtor. In determining the cluster within this scope, the following indicators are used;

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 18 - In the corporate, commercial, SME and consumer segment follow-up portfolio, with very low or no collection expectation - Monitored in the 5th group as of the last reporting period, - Having a provision rate of 90% or more, - No active payment plans - No Credit Guarantee Fund (CGF)/İGE secured loan Loans and provision ratio of 100% all abusive and fraudulent tracking accounts are included in the deletion of the active account. The process of write-off the loans is an accounting practice and does not result in waiving the right to receivable regarding t he related loans. Existing administrative and legal follow-up proce sses regarding the loans deducted from the record are continued . Partial write-off transactions mean that the financial asset will be repaid at a certain rate by the debtor, and the remaining amount after the payment or the part within the Bank that is classified under group 5 and has no reasonable expectations for its recov ery will be removed from the financial statements. Regarding the write-off (asset disposal) process; the effect of the amount written off during the period and the amount written off on the NPL ratio is disclosed in the footnotes of the financial statements. VIII. EXPLANATIONS ON EXPECTED CREDIT LOSSES: The Group allocates impairment for expected loss on financial a ssets measured at amortised cost and measured at fair value through other comprehensive income. As of 1 January 2018, the Group recognize pr ovisions for impairment in accordance wi th TFRS 9 requirements according to the “Regulation on the Procedures and Principles for Classification of Loans by Banks and Provisions to be set aside” published in the Official Gazette dated 22 June 2016 numbered 29750. The expected credit loss estimates are required to be unbiased, probability - weighted and include supportable information about past events, current conditions, and forecasts of future economic conditions. Expected Credit Loss (ECL) Calculation – Input and Forecasting Methodologies Expected Credit Loss (ECL) is calculated as 12 months or lifetime, depending on whether there is a significant increase in credit risk after initial recognition or whether an asset is considered as a credit loss. Expected Credit Loss is calculated by using the Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) components. - Exposure at Default: Specifies the amount of risk that the borrow er should pay in case o f d e f a u l t . I t i s k e p t i n t h e s ys t e m by constantly calculated until the maturity of the borrower. The amou nt of extra risk that can be incurred in the event of default is included in the calculations by using the credit conversion factor (CCF) calculated for the irrevocable commitment products. - Probability of Default (PD): PD indicates the probability of default due to inability of the borrower to meet its debt obligations. It has been calculated for 12 months or lifetime depends on increase on borrower’s credit risk. Calculation of the lifetime default ra te is carried out by drawing the actual default rate figures to the long term using various functions, based on historical data. - Loss Given Default (LGD): In case of defa ult of the borrower, Loss Given Default has be en calculated as dividing Expected Cre dit Loss to Exposure at Default (EAD). LGD models includes data su ch as product type, customer segment, collateral structure, customer repayment performance. Expected Credit Loss is calculated over the remaining maturity using the PD, LGD and EAD components. Calculated values are discounted on a monthly basis using the original effective intere st rate or an approximate value of the discount rate. The expe cted credit loss value is calculated for all customers over the maturity period. However, for those who do not have a significant increase in credit risk, the 12-month ECL is taken into account, and for those with a significant increase in credit risk, the ECL value calculated over the remaining period is taken into account. Within the scope of TFRS 9, models of Probability of default (P D), Lost given default (LGD) and Exposure at default (EAD) have been developed. During the reporting period, the Loss Given Default (LGD) model was recalibrated using recent data and implemented as part of the annual review of TFRS 9 models.The models developed under TFRS 9 have a detailed segment structure. Loans that have similar characteristics are segmented in orde r to reflect the expected credit losses co llectively in financial reports. When cr eating the segmentation structure, the following information of the loans is taken into consideration.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 19 1. Customer type (retail or corporate / commercial) 2. Product type 3. Rating notes /scores 4. Customer credit performance 5. Collateral type 6. Collection Period 7. Exposure at default In addition, in the calculation of Expected Credit Loss in accord ance with TFRS 9, certain part of commercial and corporate loa ns are subject to individual assessment on a cu stomer basis due to internal policies. This calculation is made by discounting the expected cash flows from the customer or the collateral sales to their present value with the effective interest rate. Within the scope of individual evaluations, regional developments are also taken into account as well as sectoral risks. Macro-economic indicators are taken into account in determining the PD component in the expected credit loss calculation. Future macroeconomic forecasts are reflected in the ECLs using more than one scenario. The risk parameters used in the TFRS 9 calculations includ e prospective macroeconomic info rmation. While macroeconomic information is included, models and estimates reflecting the relationships between model risk parameters and macroeconomic variables are taken into consideration. The main macroeconomic indicator of these estimation models are the Gross Domestic Product (GDP) growth rate. Macroeconomic estimation models include more than one scenario and the related scenarios are taken into account in the expected credit loss calculations. Expected credit loss calculations are reviewed at least once a year, the macroeconomic model used in the process and scenario weights have been no revised during reporting period. - The expected credit loss calculation is made by considering 3 different scenarios the best, the worst, and the base. Within the scope TFRS 9, macroeconomic expe ctations directly affect provisions (Expec ted Credit Loss-ECL). Related impact is realized when the default ratio of the Bank moves the default rate calculated for each maturity up or down. The main parameters of default ratio model are macroeconomic variables and the provision figures change when prospective estimations are revised. The PD values subject to the ECL calculation have been obtained for the following portfolios. Consumer/Commercial Portfolio Retail Consumer Retail Automotive Retail Mortgage Retail Credit Card Retail Overdraft Account Commercial Micro Commercial Company Commercial Commercial Commercial Corporate In prospective expectations, 3 scenarios are being used as the base, the worst and the best. Final provisions are calculated by weighting on the possibilities given to the scenarios. IX. EXPLANATIONS ON OFFSETTING FINANCIAL INSTRUMENTS: Financial assets and liabilities are offset and the net amount is reported in the balance sheet when the Group has a legally enforceable right to offset the recognized amounts and there is an intention to collect/pay the related financial assets and liabilities on a net basis, or to realize the asset and settle the liability simultaneously.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 20 X. EXPLANATIONS ON SALES AND REPURCHASE AGREEMENTS AND SECURITIES LENDING TRANSACTIONS: Securities subject to repurchase agreements (“Repos”) are classified as “Financial assets at fair value difference through prof it or loss”, “Financial assets at fair value difference through other comprehensive income” and “Measured at amortised cost” in the balance sheet according to the investment pu rposes and measured according to the portfolio of the Bank to which they belong. Funds obtained under repurchase agreements are accounted under “Funds provided under repurchase agreements” in liability accounts and differences between the sale and repurchase prices determined by these repurchase agreements are accrued evenly over the life of the repurchase agreement using the “Effective interest (internal return) method”. Funds given against securities purchased under agreements to re sell (“Reverse repos”) are accounted under “Receivables from money market” in the balance sheet. The difference between th e purchase and resell price dete rmined by these repurchase agreements is accrued evenly over the life of repurchase agreements using the “Effective interest rate method”. The Group has securities lending transactions amounting TL 6.309 as of 30 September 2026 (31 December 2025 TL 5.374). XI. EXPLANATIONS ON ASSETS HELD FOR SALE AND RELATED TO DISCONTINUED OPERATIONS (NET): Assets held-for-sale consist of tangible assets that were acquir ed due to non-performing receivables, and are accounted in the financial statements in accordance with the regulations of “Tur kish Financial Reporting Standard for Non-current Assets Held fo r Sale and Discontinued Operations (TFRS 5)”. The Group has no discontinued operations. XII. EXPLANATIONS ON GOODWILL AND OTHER INTANGIBLE ASSETS: When the accounts of a partnership are included in the consolidation process for the first time, the difference between the acquisition cost of this partnership and the share of its equity is accounted for as consolidation goodwill. In case of consolidation goodw ill, the difference is considered as an asset and shown in intangible a ssets in the assets of the consolidated balance sheet. Goodwill calculated in accordance with “TFRS 3 Busi ness Combinations Standard” is not subject to depreciation, it is tested for impairme nt annually or in cases where changes in conditions indicate that there may be an impairment in the framework of “TAS 36 Turkish Accounting Standard on Impairment of Assets”. According to the test, if the recoverable amount is below the book value of the related asset, a provision for impairment is made. Intangible assets are measured at cost on initial recognition and any directly attrib utable costs of setting the asset to work for its intended use are included in the initial measurement. Subsequent ly, intangible assets are carried at historical costs after the deduction of accumulated depreciation and the provision for value decreases. Intangibles are amortised over three to fifteen years (their estimated useful lives) using the straight-line method. The useful life of the asset is determined by assessing the expected useful time of the asset, technical, technological and other kinds of wear and tear and all required maintenance expenses necessary to utilize the economic benefit from the asset. XIII. EXPLANATIONS ON PROPERTY AND EQUIPMENT: Property and equipment is measured at its cost when initially re cognized and any directly attributable costs of setting the ass et in working order for its intended use are included in the initial measurement. Subsequently, property and equipment is carried at cost less accumulated depreciation and provision for value decrease. The Group has started to account properties under the tangible a ssets with their revalued amount instead of cost values in accordance with “TAS 16 Property, Plant and Equipment”. The re valuation difference arising from the valuations made by the appraisal firms authorized by Capital Markets Board (“CMB”) an d BRSA is accounted in Invest ment Properties Revaluation Differences line under the Shareholders’ Equity. As of each reporting date, the Bank evaluates whether there is an y indication that its assets ma y be impaired; If such indicati on exists, it estimates the recoverable amount of the related asset in accordance with TAS 36 - Impairment of Assets and if the recoverable amount is below the book value of the related asset, it reserves provision for impairment. Depreciation is calculated over the cost of property and equipment using the straight -line method over estimated useful lives. The estimated useful lives are stated below:

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 21 Buildings 50 years Vault 5-50 years Transportation Vehicles 5-7 years Other property and equipments 3-15 years Gains and losses on the disposal of property and equipment are de termined by deducting the net book value of the property and equipment from its sales revenue. Expenditures for the repair and renewal of property and equipment are recognized as expense. The capital expenditures incurred in order to increase the capacity of the tangible asset or to increase the future benefit of the asset are capitalized on the cost of the tangible asset. Capital expenditures include the cost components that increase the useful life, or the capacity of the asset, increase the quality of the product or decrease its costs. XIV. EXPLANATIONS ON LEASING TRANSACTIONS: With the “TFRS 16 Leases” standard, which became effective as of 1 January 2019, the difference between the operating lease and financial lease was removed and the lease tran sactions were started to be recognised under “Tangible Fixed Assets” as an asset (tenure) and under “Liabilities from Leasing” as a liability. The Group performs financial leasing operations as a “Lessor” through Ak Finansal Kiralama A.Ş. which is a consolidated subsidiary. The asset subject to the financial leasing is presented in the ba lance sheet as receivable equal to the net leasing amount. Int erest income is recognized over the term of the lease using the net investment method that reflects a constant periodic rate of return and the unearned portion is followed under unearned interest income account. The Group assesses whether the contract has the quality of a leas e or whether the lease includes the transaction at the beginni ng of a contract. In case the contra ct is transferred for a certain period of time to control the use of the asset defined for a p rice, it is either leased or includes a lease. The Group reflects the existence of a right of use and a lease liability to the financial statements at the effective date of the lease. Right of use assets: The right to use asset is first recognized by cost method and includes: a) The initial measurement amount of the lease obligation, b) the amount obtained by deducting all the rental incentives received from all lease payments made at or before the beginning of the lease; c) all initial direct costs incurred by the Group When Group applying the cost method, the existence of the right to use: a) accumulated depreciation and accumulated impairment losses are deducted and b) Measures the restatement of the lease obligation at the restated cost. The Group applies the provisions of depreciation regulated under the TAS 16 Tangible Assets Standards, while depreciating the rights of use assets. The Lease Obligations: At the effective date of the lease, the Group measures its leasing liability at the present value of the lease payments not paid at that time. Lease payments are discounted using the Group's average borrowing interest rates. The lease payments included in the measurement of the lease liability consist of the payments to be made for the right of use during the lease term of the underlying asset and the unpaid payments at the effective date of the lease.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 22 After the effective date of the lease, the Group measures the leasing liability as follows: a) Increase the book value to reflect the interest on the lease obligation b) Reduces the book value to reflect the lease payments made and c) The book value is measured to reflect reassessments and restructuring, or reflect to fixed lease payments as of revised nature. The interest on the lease liability for each period in the lease period is the amount calculated by applying a fixed periodic i nterest rate to the remaining balance of the lease liability. Lease agreements for vehicles and ATMs, which are determined as low value by the Bank with short-term lease agreements with a duration of 12 months or less, have been evaluated within the scope of the exemption granted by the standard. XV. EXPLANATIONS ON PROVISIONS AND CONTINGENT LIABILITIES: Provisions and contingent liabilities are accounted in accordance with the “Turkish Accounting Standard for Provisions, Contingent Liabilities and Contingent Assets” (“TAS 37”). Provisions are recognized when the Group has a present legal or constructive obligation as a result of past events, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate of the amount of the obligation can be made. A provision for contingent liabilities arising from past events should be recognized in the same period of occurrence in accordance with the periodicity principle. A liability is recognized as a contingent liability where a possible obligation that arises from past events and whose existence will be confirmed only by the occurrence or non-occurrence of more than one events not wholly within the control of the Group; or a present obligation that arises from past events but it is not probable that an outflow of resources em bodying economic benefits will be required to settle the obligation; or the amount of the obligat ion cannot be measured with sufficient reliability and disclosed in the footnotes. XVI. EXPLANATIONS ON CONTINGENT ASSETS: Contingent assets usually arise from unplanned or other unexpected events that give rise to the possibility of an inflow of economic benefits to the entity. Contingent assets are not recognized in financial statements since this may result in the recognition of income that may never be realized. Contingent assets are disclosed where an inflow of economic benefits is probable. Contingent assets are assessed continually to ensure that developments are appropriately reflected in the financial statements. If it has become virt ually certain that an inflow of economic benefits will arise in the Gr oup, the asset and the related income are recognized in the fin ancial statements in which the change occurs. XVII. EXPLANATIONS ON OBLIGATIONS RELATED TO EMPLOYEE RIGHTS: a. Employment termination benefits and vacation rights: Obligations related to employment termination and vacation rights are accounted in accordance with “Turkish Accounting Standard for Employee Benefits” (“TAS 19”). Under the Turkish Labor Law, the Bank and its subsidiaries operat ing in Türkiye are required to pay a specific amount to the employees who have retired or whose employment is terminated other than the reasons specified in the Turkish Labor Law. According to the related regulation, the Bank is obliged to pay termination benefits for employees who retire, quit for their m ilitary service obligations, who have been dismissed as defined in the related regulation or who have completed at least one year of service. The reserve for employment termination benefits represents the present value of the estimated total reserve for the future probable obligation of the Group arising from this liability. In accordance with TAS 19, actuarial gains and losses are recognized in equity. b. Retirement Rights: The Bank’s personnel are members of the “Akbank T.A.Ş. Personnel Pension Fund Foundation” (“Pension Fund”) established in accordance with the Social Security Law numbered 506, temporary article No.20. The financial statements of the Pension Fund have been audited as of year-ends by an independent actuary in accordance with the 38th article of the Insurance Supervisory Law and the “Actuarial Regulation” based on the same article.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 23 Temporary 23rd article paragraph (“the paragraph”) 1 of the Bankin g Law No 5411 published in the Official Gazette no 25983 date d 1 November 2005 envisaged that Banks would transfer their pension funds to the Social Security Institution (“SSI”) within three years following the publication date of the Banking Law, and regulated the principles of this transfer. The first paragraph of the re lated article was rescinded as from the 30 June 2007, the publication date of the decision of the Constitutional Court dated 22 March 2007. The reasoned decree regarding the rescissi on of the mentioned paragrap h was published in the Official Gazette numbered 26731, dated 15 December 2007. Following the publication of the reasoned decree of the Constitutional Court, Turkish Grand National Assembly (“TGNA”) commenced to work on a new law regarding the transfer of the members of fu nds to the Social Security Institution; the related articles of the Social Security Law (“New Law”) numbered 5754 regarding the transfer of the funds, were ratified by the TGNA General Meeting on 17 April 2008 and came into effect following the publication on the Official Gazette numbered 26870, dated 8 May 2008. The main opposition party had appealed to the Constitutional Cour t for the cancellation of some of the articles of the New Law including transfer of the Funds to the SSI on 19 June 2008. The Constitution Court has dismissed the appeal with the decision taken in the meeting dated 30 March 2011. The reasoned decision has been published on the Official Gazette numbered 28156 dated 28 December 2011. The New Law was requiring that present value of post-employment benefits at the transfer date shall be calculated by a commission consisting of the representatives of SSI, Ministry of Finance, Undersecretariat of Treasury, Undersecretariat of State Planning Organization, BRSA, SDIF and banks and funds, by using a technical discount rate of 9,8 percent taking into consideration the transferrable contributions and payments of the funds including any monthly payment differences paid by the funds above the limits within the framework of SSI regulations. Accordingly, the transfer required by the New Law was to be completed until 8 May 2011 . According to the decision of the Council of Ministers published on the Official Ga zette dated 9 April 2011 no. 27900, the time frame for related transfer has been extended for two years. Within the postponement right granted to the Council of Ministers through the change in the first clause of the 20th pr ovisional article of the ‘’Soc ial Insurance and General He alth Insurance Law no. 5510’ ’ published on the Official Gazette no. 28227 dated 8 March 2012, the transfer process has been postponed for one more year with the decision of the Council of Ministers published on the Official Gazette no. 28987 dated 30 April 2014. The Council of Ministers has been lastly authorized to determine the transfer date in accordance with the last amendment in the first paragraph of the 20th provisional article of Law No.5510 implemented by the Law No. 6645 on Amendment of the Occupational Health and Safety Law and Other Laws and Decree Laws published in the Official Gazette dated 23 April 2015 and numbered 29335. According to paragraph (I) of Article 203 of Law no. 703 which published on the Official Gazette no. 30473 dated 9 July 2018, the phrase, placed in 20th provisional arti cle of Social Insurance and General Health Insurance Law No. 5510, “Council of Ministers” is authorized to determine the date of transfer to the Social Security Institution has been replaced with “President”. According to the New Law, following the tran sfer of the members of the fund to the SSI, the funds and institutions will continu e to provide the non-transferrable social benefits and payments which are included in the articles of association of the fund. The total liabilities of the pension fund are calculated using se parate methods and assumptions for the benefits to be transfer red and the additional benefits that will remain the responsibility of the pension fund. The Parent Bank has booked provision in its financial statements within the scope of TAS 19 - Employee Benefits for the entire technical gap determined by the report prepared by an actuary registered in the actuaries register. This amount has been classified as other provision item. The consolidated affiliates do not have the above mentioned re tirement benefit plans for their employees. The retirement relate d benefits of the employees of the consolidat ed affiliates are subject to the Social Security Institution and other defined contr ibution plans.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 24 XVIII. EXPLANATIONS ON TAXATION: a. Current Tax: As of 30 September 2026, the current corporate tax rate is 30%. The corporate tax rate has been permanently increased to 25% for banks, consumer finance companies, factoring and financial le asing companies, electronic payment and money institutions, authorized foreign exchange institutions, asset management comp anies, capital market institutions, insurance and reinsurance companies and pension companies in accordance with the publication of the Law No. 7394 in the Official Gazette dated 15 April 2022. However, with the Law No. 7456 published on 15 July 2023, the rate has been increased to 30% in order to be applied to the cumulative bases included in the declarations to be submitted as of 1 October 2023; the corporate tax rate is applied as 30% as of this date. The corporate tax rate is applied to tax ba se which is calculated by adding certain non deductible expenses for tax purposes an d deducting certain exemptions (like dividend income) and exclusion of deductions on accounting income. If there is no dividend distribution, no further tax charges are made. Dividends paid to non-resident corporations, which have a place of business in Türkiye or are resident corporations, are not subject to withholding tax. Otherwise, dividends paid are subject to withholding tax at the rate of 15%. An increase in capital via issuing bonus shares is not considered as profit distribution and thus does not incur withholding tax. Corporations calculate advance tax with their current rate on quarterly profits and pay until the evening of the same day by declaring until the 17th day of the second month following that period. Ad vance tax paid by corporations which is for the current period is credited against the annual corporation tax calculated on their annual corporate income in the following year. Despite the offs et, if there is temporary prepaid tax remaining, this balance can be ref unded or used to offset any other financial liabilities to the government. A 75% portion of the capital gains derived from the sale of equity investments and a 50% portion of the capital gains derived from the sale of immovable properties held for at least two years is tax exempt, if such gains are added to paid-in capital or held in a special fund account under liability for five year s. However, with the Law No. 7456 publishe d on 15 July 2023, this exception has been abolished for real estate to be acquired after the publication da te of the decision; If the real estates acquired before this d ate are sold after the effective date of the decision, 25% of the real estate sales revenue will be exempt from corporate tax. Under the Turkish Corporate Tax Law, losses can be carried forward to offset against future taxable income for up to five years. Tax losses cannot be carried back to offset profits from previous periods. In Türkiye, there is no procedure for a final and definitive agreement on tax assessments. Companies file their tax returns until the last day of the following fourth month after the closing of the accounting year to which they relate. Tax returns are open for five years from the beginning of the year following the date of filing during this period the tax authorities have the right to audit tax returns, and the related accounting records on which they are based, and may issue re-assessments based on their findings. Current tax, related to items recognized directly in equity is also credited or charged directly to equity. As of the end of the 2021 calendar year, the conditions sought for inflation adjustment in the calculation of corporate tax have been fulfilled, within the framework of the repeated provision of Article 298/A of the Tax Procedure Law (TPL). However, with the regulation made with the Law No. 7352 dated 20 January 2022, the application of inflation adju stment in the calculat ion of corporate tax w as postponed to 2023. According to this; TPL financial statements for the 2021 and 2022 accounting periods have not been subjected to inflation adjustment, The 2023 accounting per iod is; While provisional ta x periods are not subject to inflation adjustment, TPL financial statements dated 31 December 2 023 are subject to inflation adjustment regardless of wh ether inflation adjustment conditions are met. Additionally; With the law number 7491 published in the Official Gazette numbered 32413 dated 28 December 2023, banks, payment and electronic money in stitutions, asset management companies, capital market institutions, insurance and reinsurance companies and pension companie s will be subject to inflation adjustment s in the 2024 and 2025 accounting periods. Pursuant to temporary Ar ticle 37 added by Law no.7571 dated 25 December 2025, the application of inflation accounting has been abolished for the 2026 and 2027 accounting periods, including the 2025 accounting period, regardless of whether the conditions for inflation adjustment are met. Accordingly, the calculations perf ormed within the scope of inflation accounting under the Tax Procedure Law for the year 2024 are not reflected in the financial statements; however, they continue to be monitored. The amendments in duplicate Article 298/ Ç and temporary Article 32 of the Tax Procedural Law allows for the permanent and temporary revaluation of companies. Accordingly, as of the beginning of the 2022 accounting period, our Bank first updated the value

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 25 of its fixed assets recorded in company assets as per temporary Article 32 of the Tax Procedural Law, and then revalued them in accordance with duplicate Article 298/Ç of the Tax Procedural Law. Due to the fulfillm ent of inflation accounting conditions, n o revaluation was made after 31 December 20 23 and inflation valuation was introduced. Due to the discontinuation of inflation accounting in the 2025 period, fixed assets were revalued. As a result, depreciation under the Tax Procedure Law subject to corporate income tax was calculated over the revalued carrying amounts in 2025. Information on taxation in foreign subsidiaries are given below: Akbank AG (Germany) German-resident corporations (i.e. corporations with legal or business centers located in Germany) are subject to corporate taxation in Germany over their total income. Regardless of any profit dist ribution corporate tax is levied at 15% over total income. Eff ective corporate tax rate is 15,825% since an additional solidarity tax of 5,5% is applied over the calculated corporate tax. In addition to that, trade income tax is applied on the basis of local governments. This tax is around 11,6% and when all tax types (corporate tax, solidarity tax and tax on business profits) are taken into account, there is a tax burden of approximately 27,4%. b. Deferred Tax: The Group calculates and reflects deferred tax in accordance with the provisions of “Turkish Accounting Standard for Income Taxes” (“TAS 12”) for taxable temporary differences that arise between the book value of an asset or liability and its tax basis determined in accordance with the tax legislation. Deferred tax is calculated over 30% as of 30 September 2026 (31 December 2025: 30%). Deferred tax liabilities are recognized for all resulting temporary differences whereas deferred tax assets resulting from temporary differences are recognized to the extent that it is probable th at future taxable profit will be available against which the deferred tax assets can be utilized. Deferred tax asset had not been provided over provisions for possible risks and general loan loss provisions according to the circular of BRSA numbered BRSA.DZM.2/ 13/1-a-3 and dated 8 December 2004. Deferred tax rate calculation has started to be measured over temporary expected provision losses differences according to TFRS 9 articles from 1 January 2018. Calculated deferred tax receivables and deferred tax liabilities have shown in net balances in the financial statements separately for domestic and international branches and for different subsidiaries subject to consolidation. Net balances of deferred tax assets and liabilities from companies are shown are shown separately in assets and liabilities. Deferred tax, related to items recognized directly in equity is also credited or charged directly to equity. XIX. EXPLANATIONS ON BORROWINGS: Debt instruments with different characteristics such as syndicated and securiti zed borrowings and post-financing obtained from foreign financial institutions, marketable securities issued in domestic and foreign markets and money market borrowings are major funding source of the Group. Mentioned borrowings are carried in itially at acquisition cost and subsequently recognized at the discounted value calculated using by “Effective interest rate method“. XX. EXPLANATIONS ON ISSUANCE OF SHARE CERTIFICATES: There is no share certificate issuance in 2026. XXI. EXPLANATIONS ON AVALIZED DRAFTS AND ACCEPTANCES: Avalized drafts and acceptances shown as liabilities against assets are included in the off-balance sheet commitments. XXII. EXPLANATIONS ON GOVERNMENT GRANTS: As of 30 September 2026 and 31 December 2025, there is no government grant for the Bank. XXIII. EXPLANATIONS ON SEGMENT REPORTING: An operating segment is a component of an entity;

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 26 a. that engages in business activities from which it may ea rn revenues and incur expenses (i ncluding revenues and expenses relating to transactions with other components of the same entity), b. whose operating results are regularly reviewed by the entity's chief operating decision maker to make decisions about resources to be allocated to the segment and assess its performance, and c. for which discrete financial information is available. Reporting according to the operational segments is presented in Note IX of Section Four. XXIV. PROFIT RESERVES AND PROFIT DISTRIBUTION: Retained earnings as per the statutory financial statements othe r than legal reserves are available for distribution, subject t o the legal reserve requirement referred to below. Under the Turkish Commercial Code, legal reserves consist of first legal reserve and second legal reserve. First legal reserve, appropriated at the rate of 5%, until the total reserve is equal to 20% of issued and fully paid-in share capital. Second legal reserve, appropriated at the rate of 10% of distributions in excess of 5% of issued and fully paid-in share capital, but Holding companies are not subject to such transaction. According to the Turkish Comme rcial Code, legal reserves can o n l y b e u s e d t o c o m p e n s a t e accumulated losses and cannot be used for other purposes unless they exceed 50% of paid-in capital The Ordinary General Assembly Meeting of the Bank was held on 24 March 2026. In the Ordinary General Assembly, it was decided to distribute TL 11.449 cash dividend over the TL 57.247 net income from 2025 operations to the Bank’s shareholders. It was als o resolved in the General Assembly to transfer TL 74 to special funds account under other capital reserves, to allocate TL 1.119 as legal and TL 44.605 as extraordinary reserves. XXV. EARNINGS PER SHARE: Earnings per share disclosed in the income statement are calculated by dividing net profit for the period by the weighted avera ge number of shares outstanding during the related period concerned. Current Period 30 September 2026 Prior Period 30 September 2025 Net Profit for the Period of the Group 45.950 38.923 Average Number of Issued Common Shares (Million) 520.000 520.000 Earnings Per Share (Amounts presented as full TL) 0,08837 0,07485 In Türkiye, companies can increase their share capital by making a pro-rata distribution of shar es (“Bonus shares”) to existing shareholders from retained earnings. For the purpose of earnings per share computations, the weighted average number of shares outstanding during the year has been adjusted in respect of bonus shares issued without a corresponding change in resources by giving them a retroactive effect for the year in which they were issued and for each earlier period. In case bonus shares are distributed after the balance sheet date but before the preparation of the financial statements, earnings per share is calculated considering the new number of shares. The number of rights issued in 2026: None (2025: None). XXVI. RELATED PARTIES: Parties defined in Article 49 of the Bankin g Law No.5411 are deemed as related parties. Transactions with related parties are presented in Note VI of Section Five. XXVII. CASH AND CASH EQUIVALENT ASSETS: For the purposes of the cash flow statement, cash includes cash effectives, cash in transit, purchased cheques and demand deposits including balances with the Central Bank; and cash equivalents include interbank money market placements, time deposits at banks with original maturity periods of less than three months and investments on marketable securities other than common stocks. XXVIII. RECLASSIFICATIONS: None.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 27 SECTION FOUR INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP I. EXPLANATIONS ON EQUITY: Total capital amount and Capital adequacy ratio have been calcul ated in accordance with the “Regulation on Equity of Banks” and “Regulation on Measurement and Assessment of Capital Adeq uacy of Banks”. Additionally, pursuant to the BRSA board decision dated 13 December 2025 and numbered 11286, the additional regulations th at had previously been in effect have been repealed. As of 30 September 2026, taking into consideration the above-mentioned regulations, the current period equity of the Group has been calculated as TL 464.014 (31 Dece mber 2025: TL 409.726), and the capital ad equacy ratio is 16,67% (31 December 2025: 19,03%). This ratio is above the minimum ratio required by the legislation. a. Information about total consolidated capital items: Current Period 30 September 2026 Prior Period 31 December 2025 COMMON EQUITY TIER 1 CAPITAL Paid-in capital following all debts in terms of claim in liquidation of the Bank 7.015 7.015 Share issue premiums 3.506 3.506 Reserves 246.785 200.905 Gains recognized in equity as per TAS 87.417 79.758 Profit 45.961 57.433 Current Period Profit 45.950 57.255 Prior Period Profit 11 178 Shares acquired free of charge from subsidiaries, affiliates and jointly controlled partnerships and cannot be recognized withi n profit for the period 126 86 Minorities’ Share - (17) Common Equity Tier 1 Capital Before Deductions 390.810 348.686 Deductions from Common Equity Tier 1 Capital Common Equity as per the 1st clause of Provisional Article 9 of the Regulation on the Equity of Banks - - Portion of the current and prior periods’ losses which cannot be covered through reserves and losses reflected in equity in acc ordance with TAS 60.552 28.489 Improvement costs for operating leasing 1.079 696 Goodwill (net of related tax liability) 134 134 Other intangibles other than mortgage-servicing rights (net of related tax liability) 15.717 10.685 Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax li ability) - - Differences are not recognized at the fair value of assets and liabilities subject to hedge of cash flow risk 1.605 1.597 Communiqué Related to Principles of the amount credit risk calculated with the Internal Ratings Based Approach, total expected loss amount exceeds the total provision - - Gains arising from securitization transactions - - Unrealized gains and losses due to changes in own credit risk on fair valued liabilities - - Defined-benefit pension fund net assets - - Direct and indirect investments of the Bank in its own Common Equity - - Shares obtained contrary to the 4th clause of the 56th Article of the Law - - Portion of the total of net long positions of investments made in equity items of banks and financial institutions outside the scope of consolidation where the Bank owns 10% or less of the issued common share capital exceeding 10% of Common Equity of the Bank - - Portion of the total of net long positions of investments made in equity items of banks and financial institutions outside the scope of consolidation where the Bank owns 10% or more of the issued common share capital exceeding 10% of Common Equity of the Bank - - Portion of mortgage servicing rights exceeding 10% of the Common Equity - - Portion of deferred tax assets based on temporary differences exceeding 10% of the Common Equity - - Amount exceeding 15% of the common equity as per the 2nd clause of the Provisional Article 2 of the Regulation on the Equity of Banks - - Excess amount arising from the net long positions of investments in common equity items of banks and financial institutions out side the scope of consolidation where the Bank owns 10% or more of the issued common share capital - - Excess amount arising from mortgage servicing rights - - Excess amount arising from deferred tax assets based on temporary differences - - Other items to be defined by the BRSA - - Deductions to be made from common equity due to insufficient Additional Tier I Capital or Tier II Capital - - Total Deductions From Common Equity Tier 1 Capital 79.085 41.601 Total Common Equity Tier 1 Capital 311.723 307.085

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 28 Deductions from Total Capital Deductions from Capital Loans granted contrary to the 50th and 51th Article of the Law - - Net Book Values of Movables and Immovables Exceeding the Limit Defined in the Article 57, Clause 1 of the Banking Law and the Assets Acquired against Overdue Receivables and Held for Sale but Retained more than Five Years - - Other items to be defined by the BRSA - - In transition from Total Core Capital and Supplementary Ca pital (the capital) to Cont inue to Deduct Components The Sum of net long positions of investments (the portion which exceeds the 10% of Banks Common Equity) in the capital of banki ng, financial and insurance entities that are outside the scope of regulatory consolidation, where the bank does not own more than 10% of the issued common share capital of the entity which will not be deducted from Common Equity Tier 1 capital, Additional Tier 1 capital, Tier 2 capital for the purposes of the first sub-paragraph of the Provisional Article 2 of the Regulation on Banks’ Own Funds - - The Sum of net long positions of investments in the Additional Tier 1 capital and Tier 2 capital of banking, financial and insu rance entities that are outside the scope of regulatory consolidation, where the bank does not own more than 10% of the issued common share capital of the entity which will not be deducted from Common Equity Tier 1 capital, Additional Tier 1 capital, Tier 2 cap ital for the purposes of the first sub-paragraph of the Provisional Article 2 of the Regulation on Banks’ Own Funds - - The Sum of net long positions of investments in the common stock of banking, financial and insurance entities that are outside the scope of regulatory consolidation, where the bank does not own more than 10% of the issued common share capital of the entity, mortgage servicing rights, deferred tax assets arising from temporary differences which will not be deducted from Common Equity Tier 1 ca pital for the purposes of the first sub-paragraph of the Provisional Article 2 of the Regulation on Banks’ Own Funds - - Current Period 30 September 2026 Prior Period 31 December 2025 ADDITIONAL TIER I CAPITAL Preferred Stock not Included in Common Equity and the Related Share Premiums - - Debt instruments and premiums approved by BRSA 58.685 25.695 Debt instruments and premiums approved by BRSA (Temporary Article 4) - - Third parties’ share in the Additional Tier I capital - - Third parties’ share in the Additional Tier I capital (Temporary Article 3) - - Additional Tier I Capital before Deductions 58.685 25.695 Deductions from Additional Tier I Capital Direct and indirect investments of the Bank in its own Additional Tier I Capital - - Investments of Bank to Banks that invest in Bank's additional equity and components of equity issued by financial institutions with compatible with Article 7. - - Total of Net Long Positions of the Investments in Equity Items of Consolidated Banks and Financial Institutions where the Bank Owns 10% or less of the Issued Share Capital Exceeding the 10% Threshold of above Tier I Capital - - The Total of Net Long Position of the Direct or Indirect Investments in Additional Tier I Capital of Consolidated Banks and Fin ancial Institutions where the Bank Owns more than 10% of the Issued Share Capital - - Other items to be defined by the BRSA - - Transition from the Core Capital to Continue to deduce Components Goodwill and other intangible assets and related deferred tax liabilities which will not be deducted from Common Equity Tier 1 capital for the purposes of the first sub-paragraph of the Provisional Article 2 of the Regulation on Banks’ Own Funds (-) - - Net deferred tax asset/liability which is not deducted from Common Equity Tier 1 capital for the purposes of the sub-paragraph of the Provisional Article 2 of the Regulation on Banks’ Own Funds (-) - - Deductions to be made from common equity in the case that adequate Additional Tier I Capital or Tier II Capital is not available (-) - - Total Deductions From Additional Tier I Capital - - Total Additional Tier I Capital 58.685 25.695 Total Tier I Capital (Tier I Capital=Common Equity+Additional Tier I Capital) 370.408 332.780 TIER II CAPITAL Debt instruments and share issue premiums deemed suitable by the BRSA 63.459 55.399 Debt instruments and share issue premiums deemed suitable by BRSA (Temporary Article 4) - - Third parties’ share in the Tier II Capital - - Third parties’ share in the Tier II Capital (Temporary Article 3) - - Provisions (Article 8 of the Regulation on the Equity of Banks) 30.147 21.547 Tier II Capital Before Deductions 93.606 76.946 Deductions From Tier II Capital Direct and indirect investments of the Bank on its own Tier II Capital (-) - - Investments of Bank to Banks that invest on Bank's Tier 2 and components of equity issued by financial institutions with the co nditions declared in Article 8. - - Portion of the total of net long positions of investments made in equity items of banks and financial institutions outside the scope of consolidation where the Bank owns 10% or less of the issued common share capital exceeding 10% of Common Equity of the Bank (-) - - Portion of the total of net long positions of investments made in Additional Tier I Capital item of banks and financial institu tions outside the scope of consolidation where the Bank owns 10% or more of the issued common share capital exceeding 10% of Common Equity of the Bank - - Other items to be defined by the BRSA (-) - - Total Deductions from Tier II Capital - - Total Tier II Capital 93.606 76.946 Total Capital (The sum of Tier I Capital and Tier II Capital) 464.014 409.726

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUNCED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 29 Current Period 30 September 2026 Prior Period 31 December 2025 TOTAL CAPITAL Total Capital (Total of Tier I and Tier II Capital) 464.014 409.726 Total Risk Weighted Amounts 2.783.548 2.153.295 Capital Adequacy Ratios Core Capital Adequacy Ratio (%) 11,20% 14,26% Tier 1 Capital Adequacy Ratio (%) 13,31% 15,45% Capital Adequacy Ratio (%) 16,67% 19,03% BUFFERS Total additional Common Equity Tier 1 Capital requirement ratio (a+b+c) 4,02% 4,01% a) Capital conservation buffer requirement (%) 2,50% 2,50% b) Bank specific total common equity tier 1 capital ratio (%) 0,02% 0,01% c) Systemic significant bank buffer ratio (%) 1,50% 1,50% The ratio of Additional Common Equity Tier 1 capital which will be calculated by the first paragraph of the Article 4 of Regula tion on Capital Conservation and Countercyclical Capital buffers to Risk Weighted Assets (%) 3,20% 6,26% Amounts below the Excess Limits as per the Deduction Principles Portion of the total of net long positions of investments in equity items of Consolidated banks and financial institutions wher e the bank owns 10% or less of the issued share capital exceeding the 10% threshold of above Tier I capital - - Portion of the total of investments in equity items of Consolidated banks and financial institutions where the bank owns 10% or less of the issued share capital exceeding the 10% threshold of above Tier I capital - - Amount arising from mortgage-servicing rights - - Amount arising from deferred tax assets based on temporary differences (6.865) (13.074) Limits related to provisions co nsidered in Tier II calculation General provisions for standard based receivables (before tenthousandtwentyfive limitation) 30.740 30.764 Up to 1.25% of total risk-weighted amount of general reserves for receivables where the standard approach used 30.147 21.547 Excess amount of total provision amount to credit risk Amount of the Internal Ratings Based Approach in accordance with the Communiqué on the Calculation - - Excess amount of total provision amount to &0,6 of risk weighted receivables of credit risk Amount of the Internal Ratings Base d Approach in accordance with the Communiqué on the Calculation - - Debt instruments subjected to Article 4 (to be impl emented between January 1, 2018 and January 1, 2022) Upper limit for Additional Tier I Capital subjected to temporary Article 4 - - Amounts Excess the Limits of Additional Tier I Capital subjected to temporary Article 4 - - Upper limit for Additional Tier II Capital subjected to temporary Article 4 - - Amounts Excess the Limits of Additional Tier II Capital subjected to temporary Article 4 - -

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 30 b. Information about instruments that will be included in total capital calculation: Current Period 30 September 2026 Details on Subordin ated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS3394857984 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 24.465 million TL (in full TL amount) Nominal value of instrument 24.465 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347011 Accounting Number) Issuance date of instrument 8 June 2026 Maturity structure of the instrument (demand/time) Time Original maturity of the instrument Maturity date: 8 December 2036 Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount There is an early repayment option on 08.09.2031. The reimbursement amount is 24.465 million TL (in full TL amount) Subsequent call dates, if applicable - Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 8,3% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory None Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Continuously If temporary write-down, description of write-up mechanism There are no any temporary write-up mechanisms. Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments which are non- subordinated loans. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 8. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 7.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 31 Current Period 30 September 2026 Details on Subordinated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS2611747234 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 3.670 million TL (in full TL amount) Nominal value of instrument 3.670 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347011 Accounting Number) Issuance date of instrument 25 July 2023 Maturity structure of the instrument (demand/time) Time Original maturity of the instrument Maturity date: 25 July 2033 Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount There is an early repayment option on 25.07.2028. The reimbursement amount is 3.670 million TL (in full TL amount) Subsequent call dates, if applicable - Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 9,6% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory None Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Continuously If temporary write-down, description of write-up mechanism There are no any temporary write-up mechanisms. Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments which are non- subordinated loans. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 8. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 7.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 32 Current Period 30 September 2026 Details on Subordin ated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS2659197151/ XS2611752317 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 7.340 million TL (in full TL amount) Nominal value of instrument 7.340 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347011 Accounting Number) Issuance date of instrument 25 July 2023 Maturity structure of the instrument (demand/time) Time Original maturity of the instrument Maturity date: 25 July 2033 Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount There is an early repayment option on 25.07.2028. The reimbursement amount is 7.340 million TL (in full TL amount) Subsequent call dates, if applicable - Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 9,6% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory None Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Continuously If temporary write-down, description of write-up mechanism There are no any temporary write-up mechanisms. Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments which are non- subordinated loans. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 8. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 7.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 33 Current Period 30 September 2026 Details on Subordin ated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS2611752663 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 3.670 million TL (in full TL amount) Nominal value of instrument 3.670 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347011 Accounting Number) Issuance date of instrument 25 July 2023 Maturity structure of the instrument (demand/time) Time Original maturity of the instrument Maturity date: 25 July 2033 Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount There is an early repayment option on 25.07.2028. The reimbursement amount is 3.670 million TL (in full TL amount) Subsequent call dates, if applicable - Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 9,6% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory None Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Continuously If temporary write-down, description of write-up mechanism There are no any temporary write-up mechanisms. Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments which are non- subordinated loans. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 8. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 7.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 34 Current Period 30 September 2026 Details on Subordin ated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS3013974533 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 24.456 million TL (in full TL amount) Nominal value of instrument 24.456 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347011 Accounting Number) Issuance date of instrument 4 March 2025 Maturity structure of the instrument (demand/time) Time Original maturity of the instrument Maturity date: 4 September 2035 Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount There is an early repayment option on 04.06.2030. The reimbursement amount is 24.456 million TL (in full TL amount) Subsequent call dates, if applicable - Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 7,9% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory None Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Continuously If temporary write-down, description of write-up mechanism There are no any temporary write-up mechanisms. Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments which are non- subordinated loans. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 8. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 7.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 35 Current Period 30 September 2026 Details on Subordinated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS2783589844 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 29.358 million TL (in full TL amount) Nominal value of instrument 29.358 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347001 Accounting Number) Issuance date of instrument 14 March 2024 Maturity structure of the instrument (demand/time) Demand Original maturity of the instrument - Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount First repayment option is between 14.03.2029 and 14.06.2029 The reimbursement amount is 29.358 million TL (full amount) Subsequent call dates, if applicable There is a repayment option on June 14 and December 14 of each year after the fifth year. Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 9,4% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory Fully discretionary Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If the Tier-I capital adequacy ratio falls below 5,125% determined by the BRSA, it will be subject to write-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Temporary If temporary write-down, description of write-up mechanism If any cancellation of default and Tier-I capital adequacy ratio being higher than 5,125% Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments and Tier-II capital. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 7. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 8. Current Period

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 36 30 September 2026 Details on Subordin ated Liabilities: Issuer AKBANK T.A.Ş Identifier(s) (CUSIP, ISIN vb.) XS3298828966 Governing law (s) of the instrument Subject to British Common Law and in terms of certain articles to Turkish Regulations. It is issued within the scope of the Debt Instruments Disclosure of the Capital Markets Board and the Regulation on Equities of Banks of the BRSA. Regulatory treatment Subject to 10% deduction as of 1/1/2015 No Eligible on unconsolidated and /or consolidated basis Unconsolidated and Consolidated Instrument type Subordinated Liabilities (Securities) Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 29.358 million TL (in full TL amount) Nominal value of instrument 29.358 million TL (in full TL amount) Accounting classification of the instrument Subordinated Loans (347001 Accounting Number) Issuance date of instrument 19 February 2026 Maturity structure of the instrument (demand/time) Demand Original maturity of the instrument - Issuer call subject to prior supervisory (BRSA) approval Yes Optional call date, contingent call dates and redemption amount First repayment option is between 19.02.2031 and 19.08.2031 The reimbursement amount is 29.358 million TL (full amount) Subsequent call dates, if applicable There is a repayment option on February 19 and August 19 of each year after the fifth year. Coupon/dividend payment Fixed or floating coupon/dividend payments Fixed Coupon rate and any related index 8,0% Existence of any dividend payment restriction None Fully discretionary, partially discretionary or mandatory Fully discretionary Existence of step up or other incentive to redeem None Noncumulative or cumulative Noncumulative Convertible or non-convertible into equity shares If convertible, conversion trigger (s) None If convertible, fully or partially None If convertible, conversion rate None If convertible, mandatory or optional conversion None If convertible, type of instrument convertible into None If convertible, issuer of instrument to be converted into None Write-down feature If bonds can be written-down, write-down trigger(s) Due to the losses incurred, where the Bank is at the point at which the BRSA may determine pursuant to Article 71 of the Banking Law that: (i) its operating license is to be revoked and the Bank is liquidated or (ii) the rights of all of its shareholders (except to dividends), and the management and supervision of the Bank, are to be transferred to the SDIF on the condition that losses are deducted from the capital of existing shareholders (occurrence of either condition means the issuer has become non-viable), or (iii) it is probable that the Issuer will become non-viable; then the bonds can be written-down. If the Tier-I capital adequacy ratio falls below 5,125% determined by the BRSA, it will be subject to write-down. If bond can be written-down, full or partial Partially or fully If bond can be written-down, permanent or temporary Temporary If temporary write-down, description of write-up mechanism If any cancellation of default and Tier-I capital adequacy ratio being higher than 5,125% Position in subordination hierarchy in case of liquidation (instrument type immediately senior to the instrument) In priority of receivables, it comes after the debt instruments and Tier-II capital. In compliance with article number 7 and 8 of '' Own fund regulation '' The instrument is in compliance with article number 7. Details of incompliances with article number 7 and 8 of '' Own fund regulation'' The instrument is not in compliant with articl e numbered 8.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 37 c. The difference between Total “Capital” and “Equity” in the cons olidated balance sheet mainly arises from expected credit loss provisions arising from loans classified under stage I and stage II and subordinated loans. In the calculation of Total Capital, up to 1,25% of expected credit loss from stage 1 and stage 2 over the credit risk amount and subordinated loans with nominal amounts, by reducing 20% each year if the remaining maturity is 100% less than 5 year, are taken into consideration as Tier II Capital. Additionally, the losses refl ected to equity under TAS which is subject to deduction from TIER I capital are determined by excluding the losses from cash flow hedging. On the other hand, in the calculation of the Total Capital, improvement costs for operating leases followed under tangible assets in the balance sheet, intangible assets and related deferred tax liabilities, other items defined by the regulator are taken into consideration as amounts deducted from Total Capital. II. EXPLANATIONS ON CURRENCY RISK: The difference between the Group’s foreign currency denominate d and foreign currency indexed assets and liabilities is defined as the “Net Foreign Currency Position” and is the basis of currency risk. Foreign currency denominated assets and liabilities, together with purchase and sale commitments, give rise to foreig n exchange exposure. The Bank keeps the foreign exchange exposure amount within the limits set by the ERC. The ERC, taking into account the economic conditions and market developments, sets a limit for the size of a foreign exchange exposure. Those limits are individually determined and followed for both the net overall foreign currency position and for the foreign exchange exposure. Derivative financial instruments like forward foreign exchange contracts and currency swaps are used as tools for foreign exchange exposure management. The Parent Bank’s foreign exchange bid rates as of the date of the financial statements and for the last five days prior to that date are presented below: USD EURO Balance Sheet Evaluation Rate 48,9303 TL 55,5567 TL 1.Day bid rate 48,9303 TL 55,5567 TL 2.Day bid rate 48,9131 TL 55,5103 TL 3.Day bid rate 48,9008 TL 55,6307 TL 4.Day bid rate 48,7901 TL 55,5878 TL 5.Day bid rate 48,7671 TL 55,4945 TL The simple arithmetic average of the Parent Bank’s foreign exchange bid rates for the last thirty days preceding the balance sheet date for major foreign currencies are presented in the table below: USD : TL 48,5432 EURO : TL 55,8989 As of 31 December 2025; USD EURO Balance Sheet Evaluation Rate 42,8457 TL 50,2859 TL Information related to Group’s Currency Risk: The table below summarizes the Group’s foreign currency net balance sheet position and net off-balance account position, categorized by currency. Foreign currency indexed assets are classified as Turkish Lira assets according to the Uniform Chart of Accounts. In currency risk calculation, foreign currency indexed assets are considered as foreign currency items. In accordance with the “Communiqué on Calculation of Foreig n Currency Net Position/Capital Standard Ratio by banks in stand-alone and consolidated basis”; derivative financial asset accruals specified in the regulation and prepaid expenses in assets, derivative financial liability accruals specified in the regulation and shareholders’ equity in liabilities are exclude d in the currency risk calculation. Ther efore, there are differences between the amounts of foreign currency denominated assets and liabilities demonstrated on the table below and the amounts on the balance sheet.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 38 Current Period – 30 September 2026 EURO USD Other FC Total Assets Cash Equivalents and Central Bank (*) 83.491 122.647 109.317 315.455 Banks (*******) 49.625 71.526 9.106 130.257 Financial Assets at Fair Value through Profit or Loss 2.887 8.527 - 11.414 Interbank Money Market Placements - - - - Financial Assets measured at other comprehensive income 56.464 221.898 4.967 283.329 Loans (**) 422.884 337.655 22 760.561 Investments in Associates, Subsidiaries and Joint Ventures - 5.755 - 5.755 Financial assets measured at amortised cost 7.432 6.310 - 13.742 Hedging Derivative Financial Assets (***) 820 533 1.726 3.079 Tangible Assets (Net) 359 115 - 474 Intangible Assets (Net) 596 - - 596 Other Assets (***) 10.080 9.101 (40) 19.141 Total Assets 634.638 784.067 125.098 1.543.803 Liabilities Bank Deposits (****) 18.650 69.859 7.938 96.447 Foreign Currency Deposits (****) 290.703 291.568 381.673 963.944 Funds from Interbank Money Market 24.792 148.665 1.557 175.014 Borrowings 76.202 157.392 - 233.594 Marketable Securities Issued (Net) (*****) 49.662 284.219 5.788 339.669 Miscellaneous Payables 8.236 51.834 330 60.400 Hedging Derivative Financial Liabilities (***) - 677 - 677 Other Liabilities (***) 9.985 5.860 203 16.048 Total Liabilities 478.230 1.010.074 397.489 1.885.793 Net on Balance Sheet Position 156.408 (226.007) (272.391) (341.990) Net off-Balance Sheet Position (******) (153.938) 232.116 272.022 350.200 Financial Derivative Assets 171.956 806.626 308.609 1.287.191 Financial Derivative Liabilities 325.894 574.510 36.587 936.991 Non-cash Loans 103.769 155.745 9.948 269.462 Prior Period - 31 December 2025 Total Assets 476.495 674.511 87.124 1.238.130 Total Liabilities 390.428 833.740 303.696 1.527.864 Net on-Balance Sheet Position 86.067 (159.229) (216.572) (289.734) Net off-Balance Sheet Position (******) (83.749) 139.202 217.358 272.811 Financial Derivative Assets 154.660 482.559 241.735 878.954 Financial Derivative Liabilities 238.409 343.357 24.377 606.143 Non-cash Loans 86.984 105.190 9.908 202.082 (*) Of the Cash Equivalents and Central Bank and Other FC, TL 106.765 (31 December 2025: TL 73.706) are precious metal deposit account in demand. (**) The foreign currency indexed loans balance in the Turkish Lira accounts is TL 16 (31 December 2025: TL 29). (***) Derivative financial assets, expected credit losses and the expected loss amount of foreign currency indexed loans balance are classified under other assets. Prepaid assets amounted TL 390 (31 December 2025: TL 335), TL 9.619 of trading derivative financial asset and hedging derivative financial asset accruals and TL 13.903 of trading derivative financial liability and hedging derivative financial liability accruals in the financial statements are not taken into account in the currency risk calculation. (****) Of the foreign currency deposits TL 431 (31 December 2025: TL 290) and Bank Deposits Othe r FC of the TL 357.446 (31 Dece mber 2025: TL 268.293) are precious metal deposit account in demand. (*****) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (******) Presents the net balance of receivables and payables from derivative transactions. Foreig n Exchange spot dealings show n under “Asset purchase commitments” in the financial statements are included in the net off-balance sheet position. Currency option nominal transactio n included in the Financial Derivatives Assets/Liabilities item are taken into account by multiplying them with delta values. (*******) Derivative collaterals given to foreign banks are included.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 39 III. EXPLANATIONS ON INTEREST RATE RISK: “Interest Rate Risk” can be defined as the impact of interest rate changes on interest-sensitive asset and liability items of both on and off-balance sheets of the Group. The ERC sets limits for the interest rate sensitivity of on and off-balance sheet items and the sensitivity is closely monitored and reported weekly. In the case of high market fluctuations, daily transaction based reporting and analyses are made. The Group manages the interest rate risk on a portfolio basis and tries to minimize the risk effect on the profitability, financial exposure and cash flows by applying different strategies. Basi c methods such as using fixed or floating interest rates for different portfolios and maturities, setting the fixed margin in floating rates, or varying the rates for the short or long-ter m positions are applied actively. a. Interest rate sensitivity of assets, liabilities and off-balance sheet items (based on repricing dates) Current Period – 30 September 2026 Up to 1 Month 1 – 3 Months 3 – 12 Months 1 – 5 Years 5 Years and Over Non- Interest Bearing Total Assets Cash Equivalents and Central Bank 134.053 - - - - 416.895 550.948 Banks (*****) 61.284 4.771 - - - 74.510 140.565 Financial Assets at Fair Value Through Profit or Loss 701 678 5.322 5.837 643 38.106 51.287 Interbank Money Market Placements 4 10 - - - - 14 Financial Assets at measured Fair Value Other Comprehensive Income 33.363 58.046 140.190 189.960 149.853 3.036 574.448 Loans (*) 1.010.895 28 4.701 610.526 334.811 56.933 86.824 2.384.690 Financial Assets measured at amortised cost 2.474 67.176 177.749 25.718 8.304 - 281.421 Other Assets (**) 16.928 47.349 33.148 18.900 857 97.347 214.529 Total Assets 1.259.702 462.731 966.935 575.226 216.590 716.718 4.197.902 Liabilities Bank Deposits 62.067 27.892 13.526 12 - 1.085 104.582 Other Deposits 1.290.051 220.348 164.517 20 .530 3.034 838.370 2.536.850 Funds from Interbank Money Market 164.080 49.587 89.802 1.979 - - 305.448 Miscellaneous Payables 17.255 22.490 14.024 1.318 - 110.089 165.176 Marketable Securities Issued (Net) (***) 20.925 23.944 99.783 129.317 122.144 - 396.113 Borrowings 48.436 62.414 93.661 31.820 1.034 - 237.365 Other Liabilities (****) 16.362 15.430 15.463 3.814 2.756 398.543 452.368 Total Liabilities 1.619.176 422.105 490.776 188.790 128.968 1.348.087 4.197.902 Balance Sheet Long Position - 40.626 476.159 386.436 87.622 - 990.843 Off-balance Sheet Short Position (359.474) - - - - (631.369) (990.843) Off-balance Sheet Long Position - 68.192 - - 25 - 68.217 Off-balance Sheet Short Position (8.265) - (47.611) (5.304) - - (61.180) Total Position (367.739) 108.818 428.548 381.132 87.647 (631.369) 7.037 (*) Included lease receivables. Non-performing loans are shown in the” non-interest bearing " column. Interest rediscount start ed to be calculated for non-performing loans as of 1 January 2018, said amount was indicated on “without interest” column since there i s no other suitable column in the above table. (**) Derivative financial assets and expected credit losses are classified under other assets. (***) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (****) Shareholders’ equity is presented under “Other liabilities” item at “Non-interest bearing” column. (*****) Derivative collaterals given to foreign banks are included.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 40 Prior Period – 31 December 2025 Up to 1 Month 1 – 3 Months 3 – 12 Months 1 – 5 Years 5 Years and Over Non- Interest Bearing Total Assets Cash Equivalents and Central Bank 200.488 - - - - 358.946 559.434 Banks (*****) 27.782 1.128 326 - - 32.487 61.723 Financial Assets at Fair Value Through Profit or Loss 293 831 754 13.550 757 32.160 48.345 Interbank Money Market Placements 2 24 - - - - 26 Financial Assets at measured Fair Value Other Comprehensive Income 67.454 73.844 66.132 183.954 123.263 2.492 517.139 Loans (*) 766.360 244.636 501.646 321.210 60.099 65.836 1.959.787 Financial Assets measured at amortised cost 134.664 10.118 61.921 23.042 8.168 - 237.913 Other Assets (**) 20.692 46.848 17.394 15.443 127 74.079 174.583 Total Assets 1.217.735 377.429 648.173 557.199 192.414 566.000 3.558.950 Liabilities Bank Deposits 68.550 41.944 18.299 - - 1.909 130.702 Other Deposits 975.039 183.293 130.564 22.946 9.495 721.382 2.042.719 Funds from Interbank Money Market 291.217 38.567 44.702 4.061 - - 378.547 Miscellaneous Payables 8.278 15.187 15.229 2.862 - 84.243 125.799 Marketable Securities Issued (Net) (***) 10.114 31.530 57.821 113.743 81.094 - 294.302 Borrowings 9.429 42.859 107.794 20.368 1.497 - 181.947 Other Liabilities (****) 6.389 10.097 15.444 4.596 8.550 359.858 404.934 Total Liabilities 1.369.016 363.477 389.853 168.576 100.636 1.167.392 3.558.950 Balance Sheet Long Position - 13.952 258.320 388.623 91.778 - 752.673 Off-balance Sheet Short Position (151.281) - - - - (601.392) (752.673) Off-balance Sheet Long Position 12.710 88.825 - - - - 101.535 Off-balance Sheet Short Position - - (63.956) (1.862) - - (65.818) Total Position (138.571) 102.777 194.364 386.761 91.778 (601.392) 35.717 (*) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (**) Shareholders’ equity is presented under “Other liabilities” item at “Non-interest bearing” column. (***) Included lease receivables.Non-performing loans are shown in the” non-interest bearing " column. Interest rediscount star ted to be calculated for non- performing loans as of 1 January 2018, said amount was indicated on “without interest” column since there is no other suitable column in the above table. (****) Derivative financial assets and expected credit losses are classified under other assets. (*****) Derivative collaterals given to foreign banks are included. b. Average interest rates for mone tary financial instruments (%): Average interest rates in the above tables are the weighted average rates of the related balance sheet items. Current Period - 30 September 2026 EURO USD Yen TL Assets Cash Equivalents and Central Bank - - - 33,23 Banks 2,39 3,91 - 39,76 Financial Assets at Fair Value Through Profit or Loss 3,01 5,53 - 36,68 Interbank Money Market Placements - - - 38,14 Financial Assets at Fair Value Other Comprehensive Income 2,76 6,42 3,09 33,06 Loans 5,96 7,23 - 42,49 Financial Assets measured at amortised cost 3,33 4,44 - 26,30 Liabilities Bank Deposits (**) 3,16 4,66 - 32,82 Other Deposits (**) 1,29 1,48 - 32,06 Funds from Interbank Money Market 2,88 4,77 - 35,84 Miscellaneous Payables -3 , 8 8 - - Marketable Securities Issued (Net) (*) 3,70 6,88 - 38,73 Borrowings 4,58 5,44 - 37,95 (*) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (**) Demand deposit balances are included in average interest rate calculation.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 41 Prior Period – 31 December 2025 EURO USD Yen TL Assets Cash Equivalents and Central Bank - - - 35,16 Banks 1,97 4,57 - 39,25 Financial Assets at Fair Value Through Profit or Loss 4,55 5,25 - 34,31 Interbank Money Market Placements - - - 38,79 Financial Assets at Fair Value Other Comprehensive Income 3,27 6,23 3,09 32,73 Loans - 7,00 - 42,33 Financial Assets measured at amortised cost 3,30 4,03 - 26,13 Liabilities Bank Deposits (**) 2,62 4,59 - 37,66 Other Deposits (**) 0,12 0,84 0,04 39,51 Funds from Interbank Money Market 0,17 4,48 - 30,99 Miscellaneous Payables -3 , 6 4 - - Marketable Securities Issued (Net) (*) 3,80 6,77 - 41,57 Borrowings 4,39 5,67 - 36,03 (*) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (**) Demand deposit balances are included in average interest rate calculation. IV. EXPLANATIONS ON POSITION RISK OF EQUITY SECURITIES: The Bank doesn’t have any subsidiaries and affiliates that are traded on the “BIST”. V. EXPLANATIONS ON LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIO: The liquidity risk of the Bank is the risk of being unable to fu lfill its payment obligations on time due to not having enough cash sources or cash inflows to financ e its cash outflows fully and on time due to ca sh flow instabilities. Liquidity risk arises fr om situations in which the Bank is unable to meet the cash ou tflows with its cash sources and borrowing opportunities over collateralizing marketable securities, in case of sudden fund withdrawals by the individual/institutional funders of the Bank. a) Information on risk capacity of th e Bank, responsibilities and structure of liquidity risk management, the Bank’s internal liquidity risk reporting, communication between th e Board of Directors and business lines on liquidity risk strategy, policy and application: The Bank’s liquidity and funding policy is to own sufficient liquidity reserve and funding opportunities to meet Bank’s liabilities even in cases of stress, resulting from the market conditions or other conditions specific to the Bank. The Bank has capacity to meet a high risk with broad and stable deposit, strong base capital structure and diversified foreign borrowing sources and is capable of providing additional liquidity with high quality liquid securities in its portfolio and available limits at both the Central Bank of Türkiye and other Money markets. Management of liquidity risk is shared by the ERC, ALCO, Treasury Department and Risk Management Department. The ERC determines the liquidity management policies and the appropriate li quidity risk level in line with the Bank’s risk appetite and monitors whether the liquidity risk is managed under the framework of determined policies and within the defined limits. The different categories of defined limits are; - Limits related to wholesale funding sources, - Limits related to liquid asset buffer, - Limits related to the cash inflows coverage capacity to cash outflows, - Limits related to cash outflow coverage capacity in the stress environment. ALCO takes decision to use alternative funding sources, pricing of obtained funds and granted loans, and other decisions of Daily liquidity management. Treasury Department ensures that the Bank meets its short, middle and long term liabilities, with the transactions made in accordance with ALCO decisions order to utilize excess funding or close the funding gap, occurring on foreign currencies or maturity terms. Risk Management Department measures and monitors the liquidity risk, with the reports prepared and analyses made, and informs the top management. Liquidity risk reporting consists of periodic and special purpose reports prepared to be discussed in the ERC and ALCO meetings, stress tests, scenario analyses, risk limit compliance reports and legal liquidity reports.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 42 b) Information on the centralization degree of liquidity management and funding strategy and the functioning between the Bank and the Bank’s subsidiaries: Each of the Bank’s subsidiaries within th e consolidation scope manages its own liquid ity. Nevertheless, there are defined limits related to the funding amount that the Bank will provide to a subsidiary, in case of liquidity issues. Cumulative liquidity gap resulted in stress scenarios of subsidiaries, should not exceed the fund limits provided by the Bank. c) Information on the Bank’s funding strategy including the policies on funding types and variety of maturities: The Bank targets to obtain additional fund ing sources besides the strong capital structure, from the most possible diversified, long term stable sources, considering cost factors. In this direction, concentration ratios such as share of retail funding sources in total funding sources, sh are of deposits of high amount in total deposit, share of borrowings made from the market in total market volume are monitored and limited with the applied risk limits. Treasury Unit performs necessary work to obtain long term foreign funding. d) Information on liquidity management on the basis of currencies constituting a minimum of five percent of the Bank’s total liabilities: Almost all of the Bank’s liabilities are in TL, USD or EUR curren cies and TL funds comprise of mainly equity and deposits. The Bank’s liquidity in TL is managed with repurchase agreements made at CBRT/BIST using high quality securities owned by the Bank. Together with keeping the main purpose as using liabilities in TL in funding assets in TL, foreign currency liabilities a re used in creating assets in TL using foreign exchange swaps, when necessary. Liquidity management is performed in the scope of internal risk limits, such as short term borrowing limits from markets determined by the Bank, market concentration limits, liquidity stress scenario, and cumulative liquidity gap. Foreign currency funds are obtained through foreign exchange deposit accounts, foreign based, foreign currency loans, securities issued and repurchase agreements. Foreign currency liquidity management is performed using internal risk limits defined for liquidity buffer kept at correspondent banks and monitored daily in the scope of the Bank’s risk limits, and cumulative gap in the scope of liquidity stress scenario, and other risk limits defined for wholesale funding and concentration. The Bank has availab le foreign currency borrowing limits at CBRT/BIST and other banks. e) Information on liquidity risk mitigation techniques: Liquidity risk is mitigated by using techniques such as maintaining high quality liquid asset buffer to cover possible fund outflows, diversification of funding sources so far as possible and incl usion to the base, homogenizing the maturity distribution of repayments as far as possible, obtaining limits from funding institutions to use when necessary and ensuring that a determined portion of funding sources are comprised of deposit. f) Information on the use of stress tests: In cases of negative conditions such as an impairment in the securities in the Bank’s portfolio, inability to replace short and long term borrowings, fast cash outflow, increase in non-performing loan ratio, high margin calls, the extent and duration of sufficient liquidity is analyzed by the stress tests made by the Risk Management Department. Risk limits determined according to analysis results exist within the Bank. It is ensure d that the necessary actions are taken by sharing the analysis results and risk limi t compliance status with the ALCO, ERC and related business units. The effects of cash inflows and outflows under different stress scenarios have been studied and evaluated. g) General information on urgent and unexpected liquidity situation plans: Necessary strategy and procedures for the management of possible liquidity crisis are determined with the Liquidity Contingency Plan, which is approved and reviewed every year by the ERC. The actions to be taken favor the benefits of depositors, creditors of the Bank and shareholders. In case one or several emergency situations occur, Bank’s Liquidity Contingency Plan is put into use. After Liquidity Contingency Plan is put into use, Liquidit y Contingency Management Commit tee is responsible from the determination of actions to be taken.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 43 Liquidity Coverage Ratio: Current Period - 30 September 2026 Rate of “Percentage to be taken into account” not Implemented Total value (*) Rate of “Percentage to be taken into account” Implemented Total value (*) TL+FC FC TL+FC FC HIGH QUALITY LIQUID ASSETS (HQLA) 1 High quality liquid assets 864.827 378.034 CASH OUTFLOWS 2 Retail and Customers Deposits 1.543.862 588.662 133.289 58.866 3 Stable deposits 421.954 - 21.098 - 4 Less stable deposits 1.121.908 588.662 112.191 58.866 5 Unsecured Funding other than Retail and Small Business Customers Deposits 927.872 293.636 524.561 198.274 6 Operational deposits 3.792 - 948 - 7 Non-Operational Deposits 834.289 239.419 445.434 144.062 8 Other Unsecured Fundin g 89.791 54.217 78.179 54.212 9 Secured fundin g 29.134 16.043 10 Other Cash Outflows 104.314 156.257 47.471 129.733 11 Liquidity needs related to derivatives and market valuation changes on derivatives transactions 24.808 124.930 25.941 126.063 12 Debts related to the structured financial products 210 - 210 - 13 Commitment relate d to debts to financial markets and other off balance sheet liabilities 79.296 31.327 21.320 3.670 14 Commitments that are unconditionally revocable at any time by the Bank and other contractual commitments 29.747 - 1.487 - 15 Other irrevocable or conditionally revocable commitments 2.314.278 226.960 115.714 11.348 16 TOTAL CASH OUTFLOWS 851.656 414.264 CASH INFLOWS 17 Secured Lending Transactions - - - - 18 Unsecured Lendin g Transactions 301.649 91.815 191.878 73.519 19 Other contractual cash inflows 14.813 144.439 14.775 144.403 20 TOTAL CASH INFLOWS 316.462 236.254 206.653 217.922 Upper limit applied amounts 21 TOTAL HQLA STOCK 864.827 378.034 22 TOTAL NET CASH OUTFLOWS 645.003 196.342 23 Liquidity Coverage Ratio (%) 134,08 192,54 (*) Simple arithmetic average calculated for the last three months of values calculated by taking the simple arithmetic average was used for calculating the average in last days of the related last three months.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 44 Prior Period - 31 December 2025 Rate of “Percentage to be taken into account” not Implemented Total value (*) Rate of “Percentage to be taken into account” Implemented Total value (*) TL+FC FC TL+FC FC HIGH QUALITY LIQUID ASSETS (HQLA) 1 High quality liquid assets 741.291 310.138 CASH OUTFLOWS 2 Retail and Customers Deposits 1.309.934 506.656 113.020 50.666 3 Stable deposits 359.461 - 17.973 - 4 Less stable deposits 950.473 506.656 95.047 50.666 5 Unsecured Funding other than Retail and Small Business Customers Deposits 758.102 237.374 400.507 155.489 6 Operational deposits 3.059 - 765 - 7 Non-Operational Deposits 687.855 192.198 345.210 110.314 8 Other Unsecured Funding 67.188 45.176 54.532 45.175 9 Secured fundin g - - 19.465 12.507 10 Other Cash Outflows 80.601 59.101 31.870 36.359 11 Liquidity needs related to derivatives and market valuation changes on derivatives transactions 15.307 32.651 16.082 33.426 12 Debts related to the structured financial products 233 - 233 - 13 Commitment relate d to debts to financial markets and other off balance sheet liabilities 65.060 26.450 15.555 2.933 14 Commitments that are unconditionally revocable at any time by the Bank and other contractual commitments 26.116 - 1.306 - 15 Other irrevocable or condit ionally revocable commitments 1.908.889 162.176 95.444 8.109 16 TOTAL CASH OUTFLOWS 661.613 263.130 CASH INFLOWS 17 Secured Lendin g Transactions - - - - 18 Unsecured Lending Transactions 249.690 89.130 157.071 70.968 19 Other contractual cash inflows 15.709 68.232 15.702 68.227 20 TOTAL CASH INFLOWS 265.399 157.362 172.773 139.195 Upper limit applied amounts 21 TOTAL HQLA STOCK 741.291 310.138 22 TOTAL NET CASH OUTFLOWS 488.840 123.935 23 Liquidity Coverage Ratio (%) 151,64 250,24 (*) Simple arithmetic average calculated for the last three months of values calculated by taking the simple arithmetic average was used for calculating the average in last days of the related last three months. Liquidity coverage ratio is calculated by comparing the high qual ity liquid assets owned by the Bank to net cash outflow in one month maturity. Balance sheet accounts that are significant on th e ratio can be listed as reserve requirements maintained at CBRT, marketable securities that are not subject to repurchase agreements or not given as collateral, corporate deposits, bank deposits, foreign funds and borrowings from banks. The effect of these accounts on the liquidity coverage ratio is higher than other accounts, since these accounts have a higher share in liquid assets and net cash outflows. Periodic increases are observed in the liquidity coverage ratio during the weeks where the foreign currency reserve option is used in reserve requirements in CBRT, high amounts are maintained in bank placements or repurchase agreement volume decreases, on the other hand, fluctuations may occur in the liquidity covera ge ratio during the weeks where the share of corporate or bank funds increase, or long term foreign funds which are replaced when due, such as syndicated loans are due in one month. Despite these fluctuations, it is observed that the ratio does not decrease below 133% during the period and remain at a quite higher level that the legal lower limit.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 45 Although the derivative transactions create net cash flow of smal l amount in terms of total liquidity coverage ratio, fluctuati ons in foreign currency derivative transactions, especially in fore ign exchange swaps cause the foreign currency liquidity coverage ratio to be affected. The Bank’s high quality liquid assets mainly comprise of CBRT accounts by 61% and securities issued by Treasury of Republic of Türkiye by 32%. Funding sources are mainly distributed between individual and retail deposits by 58%, corporate deposits by 25%, borrowings from banks by 4% and collateralized borrowings such as repurchase agreements by 7%. Cash outflow amounting to TL 8.048 million is calculated based on the change of margin call amounts of derivative transactions during the last two years. The Bank follows up and manages the liquidity coverage ratio incl uding its foreign branch. There is no limitation which avoids liquidity transfer between the Bank and the foreign branch. In th is context, the foreign branch does not create any additional liquidity risk for the Bank. The Bank follows up and manages the liquidity coverage ratio including its foreign branch. There is no limitation which avoids liquidity transfer between the Bank and th e foreign branch. In this context, the foreign branch does no t create any additional liquidity risk for the Bank. In accordance with the “Regulation On Calculation of Liquidity Coverage Ratio of Banks”, published in Official Gazette no. 28948, dated 21 March 2014, liquidity coverage ratio is calculated for the last three months are presented below. Current Period - 30 September 2026 TL+FC FC July 133,24 205,99 August 135,92 189,95 September 133,07 183,88 Prior Period - 31 December 2025 TL+FC FC October 161,75 244,18 November 147,16 253,70 December 146,66 252,98

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 46 Breakdown of assets and liabilities according to their outstanding maturities: Current Period – 30 September 2026 Demand Up to 1 Month 1 – 3 Months 3 – 12 Months 1 – 5 Years 5 Years and Over Unallocated (**) Total Assets Cash Equivalents and Central Bank 228.026 303.702 19.220 - - - - 550.948 Banks (******) 74.510 61.284 4.684 87 - - - 140.565 Financial Assets at Fair Value Through Profit or Loss 38.106 451 166 5.746 6.174 644 - 51.287 Interbank Money Market Placements - 14 - - - - - 14 Financial Assets measured at other comprehensive income 3.036 13.297 - 58.335 330.432 169.348 - 574.448 Loans (*) 194 800.737 279.347 565.606 472.379 179.797 86.630 2.384.690 Financial Assets measured at amortised cost - 1.450 707 86.532 160.209 32.523 - 281.421 Other Assets (**) 9.710 13.035 4.434 9.770 78.539 11.479 87.562 214.529 Total Assets 353.582 1.193.970 308.558 726.076 1.047.733 393.791 174.192 4.197.902 Liabilities Bank Deposits 1.085 62.067 27.892 13.526 12 - - 104.582 Other Deposits 838.370 1.290.051 220.348 158.782 21.568 7.731 - 2.536.850 Borrowings - 11.382 31.013 116.082 77.655 1.233 - 237.365 Funds from Interbank Money Market - 151.447 25.383 65.895 62.723 - - 305.448 Marketable Securities Issued (Net) (***) - 20.938 19.083 99.783 134.165 122.144 - 396.113 Miscellaneous Payables 19.259 17.502 10.491 12.445 9.572 3.279 92.628 165.176 Other Liabilities (****) 94.328 45.765 8.639 14.353 9.621 5.062 274.600 452.368 Total Liabilities 953.042 1.599.152 342.849 480.866 315.316 139.449 367.228 4.197.902 Net Liquidity Excess / (Gap) (599.460) (405.182) (34.291) 245.210 732.417 254.342 (193.036) - Net Off-balance sheet Position - (6.456) (12.413) (21.173) 42.686 4.393 - 7.037 Financial Derivative Assets - 678.886 555.408 969.882 462.872 130.982 - 2.798.030 Financial Derivative Liabilities - 685.342 567.821 991.055 420.186 126.589 - 2.790.993 Non-cash Loans (*****) - 24.020 7.296 169.264 223.167 277.264 - 701.011 Prior Period - 31 December 2025 Total Assets 370.200 978.503 289.842 460.803 977.566 358.360 123.676 3.558.950 Total Liabilities 813.814 1.370.320 314.265 376.935 240.644 101.935 341.037 3.558.950 Net Liquidity Excess/ (Gap) (443.614) (391.817) (24.423) 83.868 736.922 256.425 (217.361) - Net Off-balance sheet Position - 7.093 (1.095) (7.366) 33.295 3.788 - 35.715 Financial Derivative Assets - 420.876 294.524 356.182 300.594 81.469 - 1.453.645 Financial Derivative Liabilities - 413.783 295.619 363.548 267.299 77.681 - 1.417.930 Non-cash Loans (*****) - 19.851 4.452 131.030 181.540 209.502 - 546.375 (*) Included lease receivables. The non-performing loans is presented "Unallocatable" column. (**) Assets that are necessary for banking activities and that cannot be liquidated in the short-term, such as fixed and intangible assets, derivative financial assets, investments, subsidiaries, stationery, pre-paid expenses and loans under follow-up, are shown in this column. Expected credit losses are included. (***) Securities issued as subordinated loan classified under subordinated loans in the balance sheet are included. (****) Shareholders’ Equity is presented under “Other Liabilities” item in the “Unallocated” column. (*****) Amounts related to Letters of Guarantee represent contractual maturity and related amounts. Amounts are demand and can be withdrawn optional. (******) Derivative collaterals given to foreign banks are included.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 47 Net stable funding ratio template: Current Period -30.09.2026 a b c ç d Unweighted value by residual maturity Weighted value No Maturity < 6 months 6 months to < 1yr ≥ 1yr Mevcut İstikrarlı Fon 1 Capital 543.100 - - - 543.100 2 Regulatory Capital 543.100 - - - 543.100 3 Other Capital Instruments - - - - - 4 Retail deposits and deposits from small business customers 614.352 973.286 - - 1.450.499 5 Stable deposits 116.690 315.818 - - 410.882 6 Less stable deposits 497.662 657.468 - - 1.039.617 7 Wholesale funding 163.444 1.326.265 195.549 300.675 808.170 8 Operational deposits - - - - - 9 Other wholesale funding 163.444 1.326.265 195.549 300.675 808.170 10 Liabilities with matching interdependent assets 11 Other liabilities - - - - - 12 NSFR derivative liabilities - 13 All other liabilities and equity not included in the above categories - - - - - 14 Total ASF 2.801.769 RSF 15 Total NSFR high-quality liquid assets (HQLA) 25.522 16 Deposits held at other financial institutions for operational purposes - - - - - 17 Performing loans and securities: - 967.869 428.261 1.341.879 1.809.171 18 Performing loans to financial institutions secured by Level 1 HQLA - - - - - 19 Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions - 164.763 47.697 175.641 224.204 20 Performing loans to non- financial corporate clients, loans to retail and small business customers, and loans to sovereigns, central banks and PSEs, of which - 803.107 380.564 1.019.757 1.466.258 21 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk - - - 9.116 5.925 22 Performing residential mortgages, of which - - - 28.998 18.849 23 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk - - - 28.998 18.849 24 Securities that are not in default and do not qualify as HQLA, including exchange-traded equities - - - 117.482 99.860 25 Assets with matching interdependent liabilities - 26 Other assets: 111.537 19.727 - 320.675 451.660 27 Physical traded commodities, including gold 1.858 1.579 28 Assets posted as initial margin for derivative contracts and contributions to default funds of CCPs - - 29 NSFR derivative assets 16.128 16.128 30 NSFR derivative liabilities before deduction of variation margin posted 3.599 3.599 31 All other assets not included in the above categories 109.679 - - 320.675 430.354 32 Off-balance sheet items 2.544.365 - - 127.218 33 Total RSF 2.413.571 2.413.571 34 Net Stable Funding Ratio (%) 116,08% 116,08%

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 48 Prior Period -31.12.2025 a b c ç d Unweighted value by residual maturity Weighted value No Maturity < 6 months 6 months to < 1yr ≥ 1yr Mevcut İstikrarlı Fon 1 Capital 451.326 - - - 451.326 2 Regulatory Capital 451.326 - - - 451.326 3 Other Capital Instruments - - - - - 4 Retail deposits and deposits from small business customers 546.829 801.409 - - 1.231.209 5 Stable deposits 96.821 259.062 - - 338.089 6 Less stable deposits 450.008 542.347 - - 893.120 7 Wholesale funding 196.731 1.147.257 119.020 209.949 574.421 8 Operational deposits - - - - - 9 Other wholesale funding 196.731 1.147.257 119.020 209.949 574.421 10 Liabilities with matching interdependent assets 11 Other liabilities - - - - - 12 NSFR derivative liabilities - 13 All other liabilities and equity not included in the above categories - - - - - 14 Total ASF 2.256.956 RSF 15 Total NSFR high-quality liquid assets (HQLA) 40.425 16 Deposits held at other financial institutions for operational purposes - - - - - 17 Performing loans and securities: - 761.605 293.731 1.089.158 1.439.865 18 Performing loans to financial institutions secured by Level 1 HQLA - - - - - 19 Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions - 83.016 7.478 12.576 28.767 20 Performing loans to non- financial corporate clients, loans to retail and small business customers, and loans to sovereigns, central banks and PSEs, of which - 653.346 270.994 882.157 1.221.909 21 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk - - - - - 22 Performing residential mortgages, of which - - - 28.851 18.753 23 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk - - - 28.851 18.753 24 Securities that are not in default and do not qualify as HQLA, including exchange-traded equities - 25.243 15.260 165.574 170.436 25 Assets with matching interdependent liabilities 26 Other assets: 53.421 26.179 - 348.608 427.939 27 Physical traded commodities, including gold 1.793 1.524 28 Assets posted as initial margin for derivative contracts and contributions to default funds of CCPs - - 29 NSFR derivative assets 23.640 23.640 30 NSFR derivative liabilities before deduction of variation margin posted 2.539 2.539 31 All other assets not included in the above categories 51.628 - - 348.608 400.236 32 Off-balance sheet items 2.280.069 - - 114.003 33 Total RSF 2.022.232 34 Net Stable Funding Ratio (%) 111,61% Due to its high equity capital, widespread deposit structure and long-term foreign funding opportunities, the bank has reached its current stable fund size of 2.802 billion TL. The re quired stable fund amount is 2.414 billion TL. The main assets that create a stable fund requirement are long-term loans, securities that do not qualify as high-quality liquid assets, and securities given as collater al for secured borrowing transactions. Current stable funds consist of 19% equities and 52% individual and retail customer deposits. The required stable funds consist of 61% loans and 9% securities that do not qualify as high quality liquid assets.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 49 The average of three-month Net Stable Funding Ratios for the curr ent period is 115,7%, while the average for the prior period i s 114,7%. There are no changes in the bank's strategies, funding structur e, asset and liability composition that will significantly affec t the net stable funding ratio compared to the prior period. VI. EXPLANATIONS ON LEVERAGE RATIO: a. Information on subjects that causes difference in leverage ratio between current and prior periods: As of 30 September 2026, the leverage ratio of the Group calculated from 3 months average amounts is 5,43% (31 December 2025: 5,46%). This ratio is above the minimum ratio which is 3%. b. Comparison table of total assets and total risk amounts in the financial statements prepared in accordance with TAS: Current Period 30 September 2026 (**) Prior Period 31 December 2025 (**) 1 Total assets in the consolidated financial statements prepared in accordance with TAS (*) 4.107.235 3.399.813 2 Differences between the total assets in the consolidated financial statements prepared in accordance with TAS and the total assets in the consolidated financial statements prepared in accordance with Communique on Preparation of Consolidated Financial Statements of the Banks - - 3 Differences between the balances of derivative financial instruments and the credit derivatives in the consolidated financial statements prepared in accordance with the Communique on Preparation of Consolidated Financial Statements of the Banks and their risk ex posures 48.311 17.485 4 Differences between the balances of securities financing transactions in the consolidated financial statements prepared in accordance with the Communique on Preparation of Consolidated Financial Statements of the Banks and their risk exposures (359.717) (340.744) 5 Differences between off- balance sheet items in the consolidated financial statements prepared in accordance with the Communique on Preparation of Consolidated Financial Statements of the Banks and their risk ex posures (39.839) (29.671) 6 Other differences in the consolidated financial statements prepared in accordance with the Communique on Preparation of Consolidated Financial Statements of the Banks and their risk exposures 3.028.400 2.616.543 7 Total Risk 6.784.390 5.663.426 (*) The consolidated financial statements prepared in accordance with the sixth paragraph of the Article 5 in the Communique on Preparation of Consolidated Financial Statements of the Banks. (**) Three months average values in the related periods. c. Disclosure of Leverage ratio template: Current Period 30 September 2026 (*) Prior Period 31 December 2025 (*) Balance sheet Assets 1 Balance sheet assets (excludin g derivative financial assets and credit derivatives, includin g collaterals 4.021.220 3.326.724 2 (Assets deducted from Core ca pital) - - 3 Total risk amount of balance sheet assets (sum of lines 1 and 2) 4.021.220 3.326.724 Derivative financial assets and credit derivatives 4 Cost of re plenishment for derivative financial assets and credit derivatives 43.434 32.051 5 Potential credit risk amount of derivative financial assets and credit derivatives 48.311 17.485 6 Total risk amount of derivative financial assets and credit derivatives (sum of lines 4 and 5) 91.745 49.536 Financin g transactions secured b y marketable securit y or commodit y 7 Risk amount of financin g transactions secured by marketable security or commodity 30.719 52.430 8 Risk amount arisin g from intermediary transactions - - 9 Total risk amount of financin g transactions secured by marketable security or commodity 30.719 52.430 Off-balance sheet transactions 10 Gross notional amount of off-balance sheet transactions 2.680.545 2.264.407 11 (Correction amount due to multi plication with credit conversion rates) (39.839) (29.671) 12 Total risk of off-balance sheet transactions (sum of lines 10 and 11) 2.640.706 2.234.736 Capital and total risk 13 Core Ca pital 368.084 309.208 14 Total risk amount (sum of lines 3 , 6, 9 and 12) 6.784.390 5.663.426 Leverage ratio 15 Levera ge ratio 5,43 5,46 (*) Three months average values.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 50 VII. EXPLANATIONS ON RISK MANAGEMENT TARGET AND POLICIES: a. Explanations on Risk Management and Risk Weighted Amount (RWA): Notes and explanations in this section have been prepared in accordance with the Communiq ué on Disclosures about Risk Management to be announced to Public by Banks that have been published in Offici al Gazette no. 29511 on 23 October 2015 and became effective as of 30 March 2016. Due to usage of standard approach for the calculation of capital adequacy ratio by the Bank, tables, which have to be prepared within the scope of Internal Rating-Based (IRB) approach, are not presented. In the event of unexpected negative economic conditions, stress tests are carried out regularly considering the exchange rate and interest rate shocks and the deterioration of the loan portfolio at different stress rates. i. Overview of RWA: Risk Weighted Amount Minimum capital requirement Current Period Prior Period Current Period 30 September 2026 31 December 2025 30 September 2026 1 Credit risk (excluding counterparty credit risk) (CCR) 2.317.703 1.763.701 185.416 2 Standardized approach (SA) 2.317.703 1.763.701 185.416 3 Internal rating-based (IRB) approach - - - 4 Counterparty credit risk 73.501 81.344 5.880 5 Standardized approach for counterparty credit risk (SA- CCR) 73.501 81.344 5.880 6 Internal model method (IMM) - - - 7 Basic risk weight approach to internal models equity position in the banking account - - - 8 Investments made in collective investment companies – look-throu gh approach 20.556 11.449 1.644 9 Investments made in collective investment companies – mandate-based approach - - 10 Investments made in collective investment companies – 1250% weighted risk approach - - - 11 Settlement risk - - - 12 Securitization positions in banking accounts - - - 13 IRB ratings-based approach (RBA) - - - 14 IRB Supervisory Formula Approach (SFA) - - - 15 SA/simplified supervisory formula approach (SSFA) - - - 16 Market risk 52.808 47.671 4.225 17 Standardized approach (SA) 52.808 47.671 4.225 18 Internal model approaches (IMM) - - - 19 Operational Risk 318.980 249.130 25.518 20 Basic Indicator Approach 318.980 249.130 25.518 21 Standard Approach - - - 22 Advanced measurement approach - - - 23 The amount of the discount threshold under the equity (subject to a 250% risk weight) - - - 24 Floor adjustment - - - 25 Total (1+4+7+8+9+10+11+12+16+19+23+24) 2.783.548 2.153.295 222.683

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 51 2. EXPLANATIONS ON HEDGE TRANSACTIONS: The Group hedges its TL and foreign denomina ted fixed rate financial assets with cros s currency swaps and interest rate swaps. Within the scope of fair value hedge, fair value changes of he dging instrument and hedged item are accounted in the income statement. As long as the hedge relationship is effective, fair value change of the hedged item is disclosed together with its related asset or liability in the balance sheet for TL denominated fixed rate mortgage loans. Fair value changes which have already been booked in equity, have been reclassified from equity to income statement for TL and FC denomina ted fixed rate financial assets measured at fair value through other comprehensive income. The Group hedges against its cash flow risk stemming from foreign currency denominated floating rate financial liabilities with interest rate and cross currency swaps. Within the scope of cash flow hedge accounting, effective part of the fair value changes of the hedging instrument are accounted in equity under “Cash Flow Hedge Gain/Loss, Shares of Investments Valued by Equity Method in Other Comprehensive Income Classified Through Profit or Loss and Other Accumulated Amounts of Other Comprehensive Income Items Reclassified Th rough Other Profit or Loss” whereas ineffective part is accounted in the income statement. At instances when cash flows relating to hedged item (interest expense) affect the income statement, profit/loss of the related hedging item is taken out of the equity and reflected on the income statement. Prospective tests are performed at the inception of the hedge relationships and both prospective and retrospective tests are performed at each reporting period-end regularly by using “Dollar off-set method”. In this method, changes in the fair value of the hedged item and changes in the fair value of the hedging instruments between the designation date and each reporting period-end are compared and effectiveness ratio is calculated. In the determination of the fair values of hedging instruments and hedged item, market yield curves are used. Hedge account ing principles are applied by assessing the calculated effectiveness ratio within th e scope of TAS 39. When the hedging instrument expires, is executed or sold and when the hedge relationship becomes ineffective or is discontinued as a result of the hedge relationship being revoked due to ineffectiveness of efficiency tests; • The hedging gains and losses that were previously recognized under equity are transferred to profit or loss when the cash flows of the hedged item are realized, • Adjustments made to the carrying amount of the hedged item are transferred to profit and loss with straight line method for portfolio hedges or with effective interest rate method for micro hedges. In case the hedged item is derecognized, hedge accounting is di scontinued and within context of fair value hedge accounting, adjustments made to the value of the hedged item are accounted in income statement. The replacement or rollover of a hedging instrument into another hedging instrument is not an expiration or termination if such replacement or rollover is part of the entity's documented hedging strategy. The Group also applies net investment risk hedging in order to hedge its foreign currency risk fr om its investments abroad. The effective part of the fair value change of the hedging instrume nt in the hedging transaction in question was accounted in the "Accumulated Other Comprehensive Income or Expenses to be Reclassified in Profit or Loss" account under equity. As of 30 September 2026, contractual amounts of derivative financial instruments designated as hedging instruments and the net fair values carried in the balance sheet of the Bank are summarized in the following table: Current Period Prior Period 30 September 2026 31 December 2025 Notional Amount Assets Liabilities Notional Amount Assets Liabilities Interest Rate and Cross Currency Swaps -TL 248.764 49.534 688 79.204 35.851 2.745 -FC 273.005 6.038 677 291.160 5.699 - Total 521.769 55.572 1.365 370.364 41.550 2.745

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 52 1. Explanations on Accounting Net Investment Hedge: The Group applies a net investment hedging strategy to hedge the foreign exchange risk arising from the net investment value of Akbank AG, its subsidiary, amounting to EUR 1.232 million (31 December 2025: EURO 1.185 million), and the net investment value of Akbank Ventures BV, its subsidiary, amounting to USD 117 million (31 December 2025: USD 109 million). EUR 1.232 million and USD 117 million of the Group's borrowing are designated as “hedging instruments”. 2. Explanations on Fair Value Hedge: Current Period: 30 September 2026 Hedging Instrument Hedged It em Risk Exposure Fair Value Difference of Hedging Instrument Fair Value Difference of Hedged Items (*) Ineffective Portion (**) Interest Rate Swap Fixed interest rate FC Loans Interest rate and currency risk (3) 1 (2) Interest Rate Swap Fixed interest rate FC financial assets at other comprehensive income Interest rate risk 623 (650) (27) Interest Rate Swap Fixed interest rate TL bo rrowings Interest rate risk (22) (1) (23) Cross-currency swap Fixed interest rate FC financial assets at fair value through other comprehensive income, FC borrowings Interest rate and currency risk 265 (264) 1 Cross-currency swap Fixed interest rate TL Commercial Loans, FC borrowings Interest rate and currency risk 141 (187) (46) Interest Rate Swap Fixed interest rate FC securities issued Interest rate risk (984) 1.012 28 Cross-currency swap Fixed interest rate TL Bond, FC borrowings Interest rate and currency risk 35 (28) 7 Cross-currency swap Fixed interest rate TL Consumer Loans, FC borrowings Interest rate and currency risk 380 (555) (175) (*) Includes fair value differences arising from changes in foreign exchange rates for hedges against interest rate and foreign currency from the interest rate and foreign exchange risks. (**) Represents the cumulative amounts booked under “Profit/Lo sses on Derivative Financial Transactions” and “Profit/Losses on Foreign Exchange Transactions” since the beginning of hedge accounting. Current Period: 31 December 2025 Hedging Instrument Hedged It em Risk Exposure Fair Value Difference of Hedging Instrument Fair Value Difference of Hedged Items (*) Ineffective Portion (**) Interest Rate Swap Fixed interest rate FC Loans Interest rate and currency risk (46) 46 - Interest Rate Swap Fixed interest rate FC financial assets at other comprehensive income Interest rate risk (340) 322 (18) Cross-currency swap Fixed interest rate FC financial assets at fair value through other comprehensive income, FC borrowings Interest rate and currency risk 103 (103) - Cross-currency swap Fixed interest rate TL Commercial Loans, FC borrowings Interest rate and currency risk (130) 133 3 Interest Rate Swap Fixed interest rate FC securities issued Interest rate risk 322 (333) (11) Cross-currency swap Fixed interest rate TL Bond, FC borrowings Interest rate and currency risk (155) 148 (7) Cross-currency swap Fixed interest rate TL Consumer Loans, FC borrowings Interest rate and currency risk (1.362) 1.341 (21) (*) Includes fair value differences arising from changes in foreign exchange rates for hedges against interest rate and foreign currency from the interest rate and foreign exchange risks. (**) Represents the cumulative amounts booked under “Profit/Lo sses on Derivative Financial Transactions” and “Profit/Losses on Foreign Exchange Transactions” since the beginning of hedge accounting.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 53 In addition, when the hedging instrument expires, is executed or sold and when the hedge relati onship becomes ineffective or is discontinued as a result of the hedge relationship being revoked due to ineffectiveness of efficiency tests with the information related discontinuous transactions are given below: - As of 30 September 2026, related to fair value hedge transactions, there is no remaining net amount after amortization of the fair value change of the hedged items since the beginning of hedge accounting (31 December 2025: None). 3. Explanations on Cash Flow Hedge: Hedging instrument Hedged item Nature of risk hedged Hedging instrument FV Net gain/(loss) recognized in OCI during the period Net gain/(loss) reclassified to income statement during the year Ineffective portion recognized in income statement (Net) Assets Liabilities Interest Rate Swap Floating-rate long Term FC funds borrowed Cash Flow risk due to changes in interest rate of funds 21 - 13 19 2 Interest Rate Swap Floating-rate TL securities issued Cash Flow risk due to changes in interest rate of funds - 19 81 36 - Interest Rate Swap Floating-rate FC securities issued Cash Flow risk due to changes in interest rate of funds 13 - (182) (168) 1 Cross Currency Swap Short term FC commercial deposits Cash Flow risk due to changes in interest rate of funds 39.981 - (27) (307) 10 Interest Rate Swap Short term TL deposits Cash Flow risk due to changes in interest rate of funds 1.748 311 1.252 1.320 254 Interest Rate Swap Short term FC deposits Cash Flow risk due to changes in interest rate of funds - - 169 405 (24) Interest Rate Swap Floating-rate TL financial assets at fair value through other comprehensive income Cash Flow risk due to changes in interest rate of funds 117 196 (622) (588) 89 In addition, when the hedging instrument expires, is executed or sold and when the hedge relationship becomes ineffective or is discontinued as a result of the hedge relationship being revoked with the information related discontinuous transactions are given below: - As of 30 September 2026, related to cash flow hedge transact ions, there is no remaining before tax amount in equity after amortization of the fair value change of the hedging instruments, from the beginni ng of hedge accounting (31 December 2025: None). VIII. EXPLANATIONS ON BUSINESS SEGMENTS: The Group operates consumer banking, SM E banking, commercial banking, and corp orate-investment and private banking and wealth network providing services to customers in accordance with the Bank's organizational structure. The profitability system generating segment information provides profitability information on the basis of account customer, customer relationship manager, branch segm ent and product. This information is made available to the branch and Head Office personnel through a web-based management reporting system. Consumer banking offers a variety of retail services such as de posit accounts, retail loans, co mmercial installment loans, credit cards, insurance products and asset management services. The consumer banking products and services also include bank cards, investment funds trading, automatic payment services, foreign currency trading, safe deposit box rentals, cheques, money transfers, investment banking, telephone and internet banking. In the scope of private banking, The Bank serves the members of the high-income customers who have expectations for upper-class service quality both in banking and investment transactions.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 54 Corporate banking, commercial banking and SME banking, provide financial solutions and banking services to large, medium and small size corporate and commercial cust omers. The products and services offere d to corporate and commercial customers include TL and foreign currency denominated working capital loans financing for investments, foreign trade financing, derivativ e instruments for hedging purposes of foreign currency and interest risk, letters of credit, foreign currency trading, corporate finance services and deposit and cash management services. In addition, the Bank provides timely and permanent solutions for corporate customers’ working capital management, delivers cash management services tailored based on customers’ requests that include collection and payment services and liquidity and information ma nagement. Project finance loans are provided within the context of investment banking activities. Within the scope of internatio nal banking activities, activities are also being carried out i n order to provide long-term funding, to provide funding under a price reflecting the country's risk, to diversify funding resources an d to form an international investor base on this area. The Treasury Unit conducts TL and FC spot and forward transact ions, treasury bonds, government bonds, Eurobond and private sector bond transactions and also deriva tive trading activities within determined limits. These transactions are performed according to the Bank’s requirements. In addition to marketing and pricing activities for the branch network of Treasury products and customers, foreign trade financing, foreign exchange and TL "clearing" services are also carried out for customers. Other operations includes activities of Ak Finansal Kiralama A.Ş., Ak Yatırım Menkul Değerler A.Ş., Ak Portföy Yönetim A.Ş., Akbank AG, Stablex Kripto Varlık Alım Satım Platformu A.Ş., AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş and Ak Yatırım Varlık Kiralama A.Ş.. as subsidiaries of the Bank in consolidation. Information on business segments as of 30 September 2026 and 31 December 2025 presented in the following tables. Explanations on business segments are prepared on the basis of data obtained from Bank Management Reporting System. Consumer Banking and Private Banking Commercial Banking, Corporate Banking and SME Banking Treasury, Other and Unallovated Bank’s Total Activities Current Period - 30 September 2026 Operating Income 110.942 110.405 (9.333) 212.014 Profit from Operating Activities 21.147 72.707 (31.706) 62.148 Income from Subsidiaries - - 326 326 Profit/(loss) from investments in subsidiaries consolidated based on equity method - - 356 356 Profit before Tax 21.147 72.707 (31.024) 62.830 Corporate Tax - - (16.897) (16.897) Net Profit for the Period 21.147 72.707 (47.921) 45.933 Segment Assets 1. 124.717 1.506.539 1.355.940 3.987.196 Investments in Associates - - 5.977 5.977 Undistributed Assets - - 204.729 204.729 Total Assets 4.197.902 Segment Liabilities 1.967.109 868.750 837.138 3.672.997 Undistributed Liabilities - - 194.645 194.645 Shareholders’ Equity - - 330.260 330.260 Total Liabilities 4.197.902

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 55 Consumer Banking and Private Banking Commercial Banking, Corporate Banking and SME Banking Treasury, Other and Unallovated Bank’s Total Activities Prior Period - 31 December 2025(*) Operating Income 100.751 91.937 [30.023] 162.665 Profit from Operating Activities 30.750 65.327 [47.707] 48.370 Income from Subsidiaries - - 124 124 Profit/(loss) from investments in subsidiaries consolidated based on equity method -- 7 2 7 2 Profit before Tax 30.750 65.327 [47.511] 48.566 Corporate Tax - - [9.658] [9.658] Net Profit for the Period 30.750 65.327 [57.169] 38.908 Segment Assets 968.330 1.277.124 1.149.724 3.395.178 Investments in Associates - - 4.917 4.917 Undistributed Assets - - 158.855 158.855 Total Assets 3.558.950 Segment Liabilities 1.641.305 626.952 828.898 3.097.155 Undistributed Liabilities - - 151.625 151.625 Shareholders’ Equity - - 310.170 310.170 Total Liabilities 3.558.950 . (*) 30 September 2025 balances used for income/expense accounts.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 56 SECTION FIVE INFORMATION AND DISCLOSURES RELATED TO CONSOLIDATED FINANCIAL STATEMENTS I. EXPLANATIONS AND NOTES RE LATED TO CONSOLIDATED ASSETS a. Information related to cash equivalents and the account of the Central Bank of the Republic of Türkiye (the “CBRT”): 1. Information on cash equivalents and the account of the CBRT: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Cash/Foreign Currency 7.120 20.045 7.146 19.262 The CBRT (*) 228.373 293.552 287.821 243.412 Other (**) - 1.858 - 1.793 Total 235.493 315.455 294.967 264.467 (*) Precious metal account amounting to TL 104.907 are included in FC (31 December 2025: TL 71.913). (**) Precious metal account amounting to TL 1.858 are included in FC (31 December 2025: TL 1.793). 2. Information related to the account of the CBRT: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Unrestricted Demand Deposits 22 - 4 - Unrestricted Time Deposits - - - - Restricted Time Deposits - - - - Reserve Requirement 228.351 293.552 287.817 243.412 Total 228.373 293.552 287.821 243.412 3. Explanation on reserve requirements: In accordance with the “Communiqué Regarding the Reserve Re quirements no. 2013/15, the Bank is required to maintain reserves in CBRT for TL and foreign currency liabilities. Th e reserve requirements can be maintained as TL, USD, EUR and standard gold. The required rates for the required reserves established in the CBRT are between 3% and 20%, excluding accounts provided with exchange rate/price protection support by the Central Bank , According to the maturity structure for liabilities in Turkish currency (31 December 2025: between 3% and 18%); accounts prov ided with exchange rate/price protection support by the Central Bank, it is between 22% and 40% (31 December 2025: between 22% and 40%); in foreign currency, it is between 0% and 32% depending on the maturity structure (31 December 2025: between 5% and 32%) as of 30 September 2026. b. Financial Assets at Fair Value Through Profit or Loss As of 30 September 2026, financial assets at fair value through profit or loss given as collateral/blocked amounting to TL 52 (31 December 2025: TL 124). There is no financial assets at fair value through profit or loss given as repurchase agreements (31 December 2025: None). Other Financial Assets: TL 7.267 (31 December 2025: TL 6.302) of other financial assets consist Fourth Real Estate Investment Fund of Ak Portföy Yönetimi A.Ş. established by Ak Portföy Yönetimi A.Ş. and the fund is followed at its fair value and the related valuation differences are recognized in profit or loss.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 57 c. Trading derivative financial assets: Table of positive differences related to derivative financial assets (*) Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Forward Transactions 2.606 - 3.612 - Swap Transactions 12.223 12.555 8.862 19.120 Futures Transactions - - - - Options 244 3.432 246 5.404 Other - - - - Total 15.073 15.987 12.720 24.524 (*) Excluding hedging derivatives financial assets. d. Information on banks account and foreign banks: 1. Information on banks account: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Banks Domestic 10.308 467 2.060 2.462 Foreign (*) - 129.790 - 57.201 Head Quarters and Branches Abroad - - - - Total 10.308 130.257 2.060 59.663 (*) Includes collateral of TL 16.417 for derivative transactions made with foreign banks (31 December 2025: TL 5.069). e. Information on financial assets at fair value through other comprehensive income: 1. As of 30 September 2026, financial assets fair value through other comprehensive income subject to repurchase agreements amounting to TL 293.539 (31 December 2025: TL 261.583); and those given as collateral/blocked amounting to TL 35.490 (31 December 2025: TL 18.034). 2. Information on financial assets fair value through other comprehensive income: Current Period 30 September 2026 Prior Period 31 December 2025 Debt Securities 593.725 526.985 Quoted at Stock Exchange (*) 541.443 496.299 Unquoted at Stock Exchange 52.282 30.686 Share Certificates 207 170 Quoted at Stock Exchange - - Unquoted at Stock Exchange 207 170 Impairment Provision (-) 19.484 10.015 Total 574.448 517.140 (*) Investment funds are included.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 58 f. Information related to loans: 1. Information on all types of loans and advances given to shareholders and employees of the Bank: Current Period 30 September 2026 Prior Period 31 December 2025 Cash Non-cash Cash Non-cash Direct Loans Granted to Shareholders -- -- Corporate Shareholders -- -- Real Person Shareholders -- -- Indirect Loans Granted to Shareholders 49.305 17.486 33.896 16.143 Loans Granted to Employees 1.545 - 1.225 - Total 50.850 17.486 35.121 16.143 2. Information on the first and second group loans and other receivables including loans that have been restructured or rescheduled (*): (i). Loans at amortised cost (*) Loans and other receivables under follow up Current Period – 30 September 2026 Restructured Loans and Receivables Cash Loans Standard Loans and Other Receivables Loans and Receivables Not Subject to restructuring Loans and Receivables with Revised Contract Terms Refinance Non-specialized Loans Loans given to enterprises 326.959 12.102 6 2.994 Export Loans 252.419 2.672 2 429 Import Loans 2.678 - - - Loans Given to Financial Sector 108.915 165 - - Consumer Loans 389.285 38.782 27.225 3.190 Credit Cards 431.192 27.831 36.514 - Other 594.569 18.701 630 20.800 Specialized Loans - - - - Other Receivables - - - - Total 2.106.017 100.253 64.377 27.413 (*) Included lease receivables. Current Period 30 September 2026 Prior Period 31 December 2025 Expected Credit Loss Stage I and Stage II (*) Standard Loans Loans under Follow-up Standard Loans Loans under Follow-up 12 Month Expected Credit Losses 11.765 - 12.336 - Significant Increase in Credit Risk - 17.999 - 16.941 Total 11.765 17.999 12.336 16.941 (*) Included expected credit losses of lease receivables. Aging analysis for overdue receivables: Current Period 30 September 2026 Prior Period 31 December 2024 30-60 days overdue 24.457 15.640 60-90 days overdue 13.765 8.150 More than 90 days overdue 61 51 Total 38.283 23.841

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 59 3. Information on consumer loans, personal credit cards, personnel loans and personnel credit cards: Current Period – 30 September 2026 Short-term Medium and Long-term Total Consumer Loans-TL 159.391 198.990 358.381 Mortgage Loans 14 103.920 103.934 Automotive Loans 898 1.543 2.441 Consumer Loans 158.479 93.527 252.006 Other - - - Consumer Loans- Indexed to FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Other - - - Consumer Loans-FC -- - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Other - - - Consumer Credit Cards-TL 343.268 29.493 372.761 With Installment 111.214 29.488 140.702 Without Installment 232.054 5 232.059 Consumer Credit Cards-FC 1.181 - 1.181 With Installment - - - Without Installment 1.181 - 1.181 Personnel Loans-TL 366 308 674 Mortgage Loans - 34 34 Automotive Loans 1 3 4 Consumer Loans 365 271 636 Other - - - Personnel Loans- Indexed to FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Othe r -- - Personnel Loans-FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Other - - - Personnel Credit Cards-TL 851 1 852 With Installment 298 1 299 Without Installment 553 - 553 Personnel Credit Cards-FC 19 - 19 With Installment - - - Without Installment 19 - 19 Credit Deposit Account-TL (Real Person) 99.427 - 99.427 Credit Deposit Account-FC (Real Person) - - - Total Consumer Loans 604.503 228.792 833.295

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 60 Prior Period – 31 December 2025 Short-term Medium and Long-term Total Consumer Loans-TL 129.325 199.211 328.536 Mortgage Loans 15 98.134 98.149 Automotive Loans 2.379 1.919 4.298 Consumer Loans 126.931 99.158 226.089 Othe r -- - Consumer Loans- Indexed to FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Other - - - Consumer Loans-FC -- - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Othe r -- - Consumer Credit Cards-TL 287.860 19.629 307.489 With Installment 91.863 19.629 111.492 Without Installment 195.997 - 195.997 Consumer Credit Cards-FC 883 - 883 With Installment - - - Without Installment 883 - 883 Personnel Loans-TL 190 370 560 Mortgage Loans - 30 30 Automotive Loans 5 2 7 Consumer Loans 185 338 523 Othe r -- - Personnel Loans- Indexed to FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Othe r -- - Personnel Loans-FC - - - Mortgage Loans - - - Automotive Loans - - - Consumer Loans - - - Other - - - Personnel Credit Cards-TL 652 - 652 With Installment 214 - 214 Without Installment 438 - 438 Personnel Credit Cards-FC 13 - 13 With Installment - - - Without Installment 13 - 13 Credit Deposit Account-TL (Real Person) 81.545 - 81.545 Credit Deposit Account-FC (Real Person) - - - Total Consumer Loans 500.468 219.210 719.678

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 61 4. Information on commercial installment loans and corporate credit cards: Current Period – 30 Se ptember 2026 Short-term Medium and Long-term Total Commercial Installment Loans-TL 31.366 155.161 186.527 Mortgage Loans 19 4.896 4.915 Automotive Loans 2.344 31.079 33.423 Consumer Loans 29.003 119.186 148.189 Other -- - FC Indexed Commercial Installment Loans -- - Mortgage Loans -- - Automotive Loans -- - Consumer Loans -- - Other -- - Commercial Installment Loans-FC 642 5.716 6.358 Mortgage Loans - 468 468 Automotive Loans 13 1.152 1.165 Consumer Loans 629 4.096 4.725 Other -- - Corporate Credit Cards-TL 120.363 283 120.646 With Installment 47.116 283 47.399 Without Installment 73.247 - 73.247 Corporate Credit Cards-FC 78 - 78 With Installment -- - Without Installment 78 - 78 Credit Deposit Account-TL (Legal Person) 22.494 - 22.494 Credit Deposit Account-FC (Legal person) -- - Total 174.943 161.160 336.103 Prior Period – 31 December 2025 Short-term Medium and Long-term Total Commercial Installment Loans-TL 27.834 141.356 169.190 Mortgage Loans 39 4.082 4.121 Automotive Loans 2.184 34.595 36.779 Consumer Loans 25.611 102.679 128.290 Other -- - FC Indexed Commercial Installment Loans - - - Mort gage Loans - - - Automotive Loans - - - Consumer Loans - - - Other -- - Commercial Installment Loans-FC 1.586 4.617 6.203 Mortgage Loans - 313 313 Automotive Loans 10 977 987 Consumer Loans 1.576 3.327 4.903 Other -- - Corporate Credit Cards-TL 94.709 103 94.812 With Installment 38.336 103 38.439 Without Installment 56.373 - 56.373 Corporate Credit Cards-FC 46 - 46 With Installment - - - Without Installment 46 - 46 Credit Deposit Account-TL (Legal Person) 12.892 - 12.892 Credit Deposit Account-FC (Legal person) - - - Total 137.067 146.076 283.143

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 62 5. Distribution of domestic and foreign loans (*): Loans are classified according to the locations of the customers. Current Period 30 September 2026 Prior Period 31 December 2025 Domestic Loans 2.357.692 1.936.575 Foreign Loans 26.998 23.212 Total 2.384.690 1.959.787 (*) Included leasing receivables. 6. Loans granted to investments in associates and subsidiaries: None. 7. Credit-Impaired Losses (Stage III / Special Provision) (*): Current Period 30 September 2026 Prior Period 31 December 2025 Loans and Other Receivables with Limited Collectibility 6.903 6.142 Loans and Other Receivables with Doubtful Collectibility 15.879 13.156 Uncollectible Loans and Receivables 33.523 22.451 Total 56.305 41.749 (*) Included leasing receivables. 8. Information on non-performing loans (Net): (i) Information on non-performing loans restructured or rescheduled and other receivables: III. Grou p IV. Grou p V. Grou p Loans and Other Receivables with Limited Collectibilit y Loans and Other Receivables with Doubtful Collectibilit y Uncollectible Loans and Other Receivables Current Period: 30 Se ptember 2026 (Gross Amounts Before Specific Provisions) 550 527 631 Rescheduled Loans and Other Receivables 550 527 631 Prior Period: 31 December 2025 (Gross Amounts Before Specific Provisions) 360 801 339 Rescheduled Loans and Other Receivables 360 801 339

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 63 (ii) Information on the movement of total non-performing loans (*): III. Grou p IV. Grou p V. Grou p Loans and Other Receivables with Limited Collectibilit y Loans and Other Receivables with Doubtful Collectibilit y Uncollectible Loans and Other Receivables Prior Period End Balance: 31 December 2025 10.905 21.432 33.403 Additions (+) 48.720 1.624 7.734 Transfers from Other Categories of Non- Performing Loans (+) - 37.468 27.418 Transfers to Other Categories of Non- Performing Loans (-) 37.468 27.418 - Collections (-) 7.558 4.226 9.040 Write-offs (-) (**) 406 452 3.678 Sold Portfolio (***) - 1.027 10.801 Corporate and Commercial Loans - 589 1.008 Consumer Loans - 78 4.902 Credit Cards - 360 4.892 Other -- - Balance at the End of the Period 14.193 27.401 45.036 Specific Provisions (-) 6.903 15.879 33.523 Net Balance at Balance Sheet 7.290 11.522 11.513 (*) Included leasing receivables. (**) In the current period, based on the am endment made in the “Regulation on the Proc edures and Principles Regarding the Class ification of Loans and Provisions to be set aside” published in the Official Gazette dated 6 July 2021 and numbered 31533, there is no write -off process. (31 December 2025: None). (***) The Bank sold a portion of its non-performing loan portfolio amounting to TL 11.828 million (full TL amount) to Birikim V arlık Yönetimi A.Ş., Gelecek Varlık Yönetim A.Ş., İstanbul Varlık Yönetim A.Ş., Orta k Varlık Yönetim A.Ş., Denge Varlık Yönetim A.Ş., Dünya Varlık Yönetim A.Ş., Emir Varlık Yönetim A.Ş., Sümer Varlık Yönetim A.Ş., Arsan Varlık Yöne tim A.Ş. and Pozitif Varlık Yönetim A.Ş. for a fee of TL 1.955 million (full TL amount). The impact of the NPL portfolio sale on the NPL conversion rate is 49 basis points. (iii) Information on non-performing loans granted as foreign currency loans: III. Group IV. Group V. Group Loans and Other Receivables with Limited Collectibility Loans and Other Receivables with Doubtful Collectibility Uncollectible Loans and Other Receivables Current Period: 30 September 2026 Balance at the End of the Period 248 354 12.161 Specific Provision (-) 135 230 8.328 Net Balance on Balance Sheet 113 124 3.833 Prior Period: 31 December 2025 Balance at the End of the Period 220 363 12.769 Specific Provision (-) 210 244 7.586 Net Balance at Balance Sheet 10 119 5.183 In Parent Bank, non-performing loans granted as foreign currency are followed under TL accounts of balance sheet.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 64 (iv) Breakdown of non-performing loans according to their gross and net values (*): III. Group IV. Group V. Group Loans and Other Receivables with Limited Collectibility Loans and Other Receivables with Doubtful Collectibility Uncollectible Loans and Other Receivables Current Period (Net): 30 September 2026 Loans granted to corporate entities and real persons (Gross) 14.193 27.401 45.036 Specific Provision Amount (-) 6.903 15.879 33.523 Loans granted to corporate entities and real persons (Net) 7.290 11.522 11.513 Banks (Gross) -- - Specific Provision Amount (-) -- - Banks (Net) -- - Other Loans and Advances Receivables (Gross) -- - Specific Provision Amount (-) -- - Other Loans and Advances Receivables (Net) -- - Prior Period (Net): 31 December 2025 Loans granted to corporate entities and real persons (Gross) 10.905 21.432 33.403 Specific Provision Amount (-) 6.142 13.156 22.451 Loans granted to corporate entities and real persons (Net) 4.763 8.276 10.952 Banks (Gross) -- - Specific Provision Amount (-) -- - Banks (Net) -- - Other Loans and Advances Receivables (Gross) -- - Specific Provision Amount (-) -- - Other Loans and Advances Receivables (Net) -- - (*) Included leasing receivables. (v) Information on the collection policy of non-performing loans and other receivables (*): III. Group IV. Group V. Group Loans and Other Receivables with Limited Collectibility Loans and Other Receivables with Doubtful Collectibility Uncollectible Loans and Other Receivables Current Period: 30 September 2026 Interest accruals and valuation differences 2.416 5.675 10.510 Provision (-) 1.169 3.291 8.134 Prior Period: 31 December 2025 Interest accruals and valuation differences 1.866 4.729 7.045 Provision (-) 1.038 2.887 4.921 (*) Included leasing receivables. 9. Information on the collection policy of non-performing loans and other receivables: Non-performing loans and other receivables are collected through legal follow-up and liquidation of collaterals. 10. Information on the write-off policy: Disclosed in Note VII of Section Three.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 65 g. Other financial assets measured at amortised cost: 1. Information on financial subject to repurchase agreements and those given as collateral/blocked: Current Period 30 Septeber 2026 Prior Period 31 December 2025 TL FC TL FC Given as collateral/blocked 77.654 - 52.453 - Subject to repurchase agreements 39.042 618 153.194 4.721 Total 116.696 618 205.647 4.721 2. Information about Government debt securities: Current Period 30 September 2026 Prior Period 31 December 2025 Government debt 260.852 229.162 Treasury bonds - - Other government debts - - Total 260.852 229.162 3. Information on other financial assets measured at amortised cost: Current Period 30 September 2026 Prior Period 31 December 2025 Debt Securities 281.467 237.958 Quoted at stock exchange 279.792 237.958 Not quoted at stock exchange 1.675 - Impairment (-) 46 45 Total 281.421 237.913 4. The movement of financial assets at amortised costs: Current Period 30 September 2026 Prior Period 31 December 2025 Balance at the Beginning of the Period 237.913 201.539 Foreign Currency Differences on Monetary Assets 1.465 1.181 Purchases During Year 5.979 7.917 Disposals Through Sales and Redemptions (955) (7.050) Impairment Provision (1) 2 Change in Amortised Cost 37.020 34.324 Balance at the End of the Period 281.421 237.913 h. Information on investments in associates (Net): 1. Non-consolidated associates: 1 (i).Reasons for being out of consolidation for non-consol idated associates: In accordance with the Communiqué on Preparation of Consolidated Financial Statements of Banks they have been left out of the scope of consolidation.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 66 1 (ii). Information about non-consolidated associates: Title Address (City / Country) Bank’s share percentage- If different voting percentage (%) Bank’s risk group share percentage (%) 1 Bankalararası Kart Merkezi A.Ş. Istanbul/Türkiye 4,89 4,89 2 Kredi Kayıt Bürosu A.Ş. Istanbul/Türkiye 9,09 9,09 3 JCR Avrasya Derecelendirme A.Ş. Istanbul/Türkiye 2,86 2,86 4 Birleşik İpotek Finansmanı A. Ş. Istanbul/Türkiye 8,33 8,33 1 (iii). Main financial figures of associates, in the order of the above table: The amounts presented below have been derived from the financial statements of Bankalararası Kart Merkezi A.Ş, Kredi Kayıt Bürosu A.Ş and Birleşik İpotek Finansmanı A.Ş. as of 30 June 2026, and from the financial statement of JCR Avrasya Derecelendirme A.Ş. as of 31 December 2025. Total Assets Shareholders’ Equity Total Fixed Assets Interest Income Income from Marketable Securities Portfolio Current Period Profit/ Loss Prior Period Profit/Loss Fair Value 1 12.464 11.064 2.340 1.689 - 123 1.604 - 2 9.011 5.258 3.524 400 - 1.229 848 - 3 1.458 937 296 187 - 368 202 - 4 713 522 10 104 - 113 40 - 1 (iv). Movement schedule for non-consolidated subsidiaries: Current Period 30 September 2026 Prior Period 31 December 2025 Balance at the Beginning of the Period 21 21 Movements During the Period Purchases - - Bonus Shares and Contributions to Capital 3 - Dividends from Current Year Income - - Sales/Liquidation - - Revaluation Increase - - Impairment Provision (-) - - Balance at the End of the Period 24 21 Capital Commitments - - Share Percentage at the End of the Period (%) - - 2. Consolidated subsidiaries within the current period: None.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 67 i. Information on subsidiaries (Net): 1. Information related to shareholders’ equity of major significant subsidiaries: The following amounts have been obtained from the financial statem ents as of 30 September 2026 prepared in accordance with legislation in which the bank are subject to. Ak Finansal Kiralama A.Ş. Ak Yatırım Menkul Değerler A.Ş. Ak Portföy Yönetimi A.Ş. Akbank AG AkÖde A.Ş. Akbank Ventures BV AkTech Yazılım Teknolojileri A.Ş. Paid in Capital 1.360 317 101 741 1.122 2.401 100 Share Premium - - - - - - - Reserves 5.213 118 257 52.153 - 2.665 4 Gains recognized in equity as per TAS 10 (19) (1) - (1) - - Profit/Loss 1.516 15.334 8.254 14.882 (157) 689 94 - Net Current Period Profit 1.516 3.608 3.593 2.847 (147) 290 61 - Prior Year Profit/Loss - 11.726 4.661 12.035 (10) 399 33 Minority Interest - - - - - - - Development Cost of Operating Lease (-) 3 4 - 3 - - - Remaining other intangible assets after offset with the related deferred tax liability excluding mortgage servicing rights 114 511 (16) 572 - - - Total Common Equity 7.982 15.235 8.627 67.201 964 5.755 198 Total Additional Tier I Capital - - - - - - - Portion of Goodwill and Other Intangible Assets and Related Deferred Tax Liabilities not deducted from the Common Equity as per the 1st Clause of Provisional Article 2 of the “Regulation on the Equity of Banks” (-) - - - - - - - Total Tier I Capital 7.982 15.235 8.627 67.201 964 5.755 198 Tier II Capital 124 1 - 328 - - - CAPITAL 8.106 15.236 8.627 67.529 964 5.755 198 Deductions from Capital - - - - - - - TOTAL CAPITAL 7.982 15.235 8.627 67.201 964 5.755 198 The Bank's subsidiaries, included in the consolidated calculat ion of capital requirement, do not have additional capital requirements. 2. Non-consolidated subsidiaries: Title Address (City / Country) Bank’s share percentage- If different voting percentage (%) Bank’s risk group share percentage (%) 1 Akbank Ventures BV Amst erdam/Netherlands 100,00 100,00 2 AkTech Yazılım Teknolojileri A.Ş. İstanbul/Türkiye 100,00 100,00 Total Assets Shareholders’ Equity Total Fixed Assets Interest Income Income from Marketable Securities Portfolio Current Period Profit/ Loss Prior Period Profit/Loss Fair Value 1 5.925 5.755 - 82 - 290 72 - 2 326 198 82 29 - 61 5 - Subsidiaries owned by the Parent Bank and its subsidiaries within the scope of consolidation, which are not financial institutions, are not included in the scope of consolidation in accordance with the BRSA's “Communiqué on the Preparation of Consolidated Financial Statements of Banks”, and are accounted for using the equity method defined in “TAS 28 Investments in Subsidiaries and Joint Ventures”.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 68 3. Consolidated subsidiaries: Title Address (City / Country) Bank’s Share Percentage-If Different Voting Percentage (%) Bank’s Risk Group Share Percentage (%) 1 Ak Finansal Kiralama A.Ş. Istanbul/Türkiye 100,00 100,00 2 Ak Yatırım Menkul Değerler A.Ş. Istanbul/Türkiye 100,00 100,00 3 Ak Portföy Yönetimi A.Ş. Istanbul/Türkiye 100,00 100,00 4 Akbank AG Eschborn/Germany 100,00 100,00 5 AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. Istanbul/Türkiye 100,00 100,00 6 Stablex Kripto Varlık Alım Satım Platformu A.Ş. (*) Istanbul/Türkiye - 100,00 7 Ak Yatırım Varlık Kiralama A.Ş. (**) İstanbul/Türkiye - 100,00 (*) As of 23 June 2026, Ak Yatırım Menkul Değerler A.Ş., a wholly owned subsidiary of the Parent Bank, acquired the remaining minority interests in Stablex Kripto Varlık Alım Satım Platformu A.Ş., thereby increasing its ownership interest to 100%. (**) Ak Yatırım Varlık Kiralama A.Ş. was established in 2026 as a wholly-owned subsidiary of Ak Yatırım Menkul Değerler A.Ş., for the purpose of issuing lease certificates (sukuk) in accordance with the principles of interest-free finance. 4. Main financial figures of consolidated subsidiaries, in the order of the above table: The financial figures have been obtained from the financial statements as at 30 September 2026 prepared in accordance with regulations of the parent bank. Total Assets Shareholders’ Equity Total Fixed Assets Interest Income Income from Marketable Securities Portfolio Current Period Profit/ Loss Prior Period Profit/Loss Fair Value 1 75.636 8.099 5.113 6.157 911 1.516 1.093 - 2 55.380 15.750 655 6.659 2.553 3.608 2.830 - 3 9.703 8.611 50 1.056 959 3.593 2.283 - 4 305.096 67.776 955 17.905 1.953 2.847 1.886 - 5 3.208 964 416 132 8 (147) (180) - 6 1.379 1.200 23 43 69 (415) (128) - 7 3 3 - - - - - - 5. Movement schedule for consolidated subsidiaries: Current Period 30 September 2026 Prior Period 31 December 2025 Balance at the Beginning of the Period 85.293 57.035 Movements During the Period - Additions (*) 650 1.515 Bonus Shares and Contributions to Capital (**) 290 - Dividends from Current Year Income 11.430 11.235 Sales/Liquidation - - Revaluation Increase (***) 3.537 15.508 Revaluation/Impairment - - Balance at the End of the Period 101.200 85.293 Capital Commitments - - Share Percentage at the End of the Period (%) - - (*) The amount relates to the increase in the share capital of AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. by TL 650 in the current period. In the prior period, it related to the Bank’s investment of TL 100 for the incorporation of AkTech Yazılım Teknolojileri A.Ş., the increase in the share capital of AkÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. by TL 515 and the increase in the share capital of Ak Finansal Kiralama A.Ş. by TL 1.000. (**) The amount relates to bonus share issues arising from the increase in the share capital of Ak Yatırım Menkul Değerler A.Ş. by TL 220 and Ak Portföy Yönetimi A.Ş. by TL 70 in the current period. (***) Amounts refer to revaluation differences arising from accounting of financial associates and subsidiaries under the equity method as explained in the Note III of the Section Three.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 69 6. Sectoral information on consolidated financial subsidiaries and the related carrying amounts: Subsidiaries Current Period 30 September 2026 Prior Period 31 December 2025 Banks 67.776 59.995 Insurance Companies - - Factoring Companies - - Leasing Companies 8.099 6.482 Finance Companies - - Other Financial Subsidiaries 25.325 18.816 7. Subsidiaries quoted to a stock exchange: None (31 December 2025: None). j. Information on joint ventures: None (31 December 2025: None). k. Information on finance lease receivables (Net): Current Period 30 September 2026 Prior Period 31 December 2025 Gross Net Gross Net 2026 7.736 6.800 18.919 15.387 2027 22.077 18.036 12.712 10.718 2028 and following years 28.191 24.815 13.684 12.266 Total 58.004 49.651 45.315 38.371 l. Information on the hedging derivative financial assets: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Fair Value Hedge 7.688 6.004 295 5.224 Cash Flow Hedge 41.846 34 35.556 475 Net Investment Hedge in a foreign operation - - - - Total 49.534 6.038 38.851 5.699 m. Information on the investment properties: None (31 December 2025: None). n. Information on deferred tax asset: As of 30 September 2026, the Group has TL 961 deferred tax asset (31 December 2025: TL 914). Temporary differences subject to deferred tax calculation result from mainly the differences between the book values, tax values and debts of fixed assets and financial assets, and provision for employee rights. Deferred tax assets and liabilities, which are accounted for the temporary differences arising between applicable accounting policies and valuation principles and tax legislation in the Bank and in consolidated subsidiaries, are presented as net on an individual entity level. As noted in Note XVIII of Section Three, for the purposes of consolidated financial statements deferred taxes arising from different consolidated subsidiaries are presented se parately in assets and liabilit ies. There are no carry forward tax losses that can be used as deductions for the tax calculation. An explanation about the net deferred tax liability is given in Note II- i-2 of Section Five.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 70 o. Information on assets held for sale and related to discontinued operations: Current Period 30 September 2026 Prior Period 31 December 2025 Cost 4.730 3.770 Accumulated Depreciation (-) - - Net Book Value 4.730 3.770 Current Period 30 September 2026 Prior Period 31 December 2025 Opening Balance Net Book Value 3.770 3.528 Additions 1.019 284 Disposals (-), net 63 110 Appreciation / Impairment (-) 4 68 Depreciation (-) - - Closin g Net Book Value 4.730 3.770 p. Information on other assets: Other assets amounting to TL 126.789 (31 December 2025: TL 91.796) on the balance sheet and do not exceed 10% of the total assets, excluding the off-balance sheet commitments.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 71 II. EXPLANATIONS AND NOTES RELATED TO CONSOLIDATED LIABILITIES: a. Information on deposits: 1. Information on maturity structure of the deposits: There are no seven-day notification deposits. 1 (i). Current Period – 30 September 2026: Demand Up to 1 Month 1 – 3 Months 3 – 6 Months 6 Months – 1 Year 1 Year and Over Deposits Cumulative Total Saving Deposits 123.999 175.301 471.909 66.044 23.070 55.370 5 915.698 Foreign Currency Deposits 332.292 110.065 84.032 7.480 31.071 41.557 - 606.497 Residents in Türkiye 276.929 100.625 75.706 6.990 7.179 16.804 - 484.233 Residents Abroad 55.363 9.440 8.326 490 23.892 24.753 - 122.264 Public Sector Deposits 22.980 11 118 25 1 - - 23.135 Commercial Deposits 87.313 253.077 165.896 25.610 34.221 45.353 - 611.470 Other Institutions Deposits 4.880 4.550 11.511 827 26 810 - 22.604 Precious metals Deposits 266.906 1.320 76.429 2.636 9.867 288 - 357.446 Interbank Deposits 1.085 7.379 64.568 10.383 17.066 4.101 - 104.582 The CBRT -- - -- - - - Domestic Banks 52 5.155 - -6 . 7 3 0 - - 11.937 Foreign Banks 869 2.224 64.568 10.383 10.336 4.101 - 92.481 Participation Banks 164 - - -- - - 164 Other -- - -- - - - Total 839.455 551.703 874.463 113.005 115.322 147.479 5 2.641.432 1 (ii). Prior period - 31 December 2025: Demand Up to 1 Month 1 – 3 Months 3 – 6 Months 6 Months – 1 Year 1 Year and Over Deposits Cumulative Total Saving Deposits 104.271 134.076 412.548 46.851 18.298 32.472 5 748.521 Foreign Currency Deposits 289.664 20.651 97.593 8.088 20.923 32.748 - 469.667 Residents in Türkiye 245.188 20.433 88.335 6.042 4.996 10.897 - 375.891 Residents Abroad 44.476 218 9.258 2.046 15.927 21.851 - 93.776 Public Sector Deposits 14.978 6 91 6 1 - - 15.082 Commercial Deposits 79.476 156.124 175.039 48.973 34.874 31.362 - 525.848 Other Institutions Deposits 2.726 2.721 5.603 1.197 2.927 137 - 15.311 Precious metals Deposits 230.268 6 26.550 3.409 7.791 268 - 268.292 Interbank Deposits 1.908 38.212 37.658 9.931 35.384 7.607 - 130.700 The CBRT --- - - - - - Domestic Banks 32 38.053 - - 6.063 - - 44.148 Foreign Banks 1.776 159 37.658 9.931 29.321 7.607 - 86.452 Participation Banks 1 0 0 - - ---- 100 Other --- - - - - - Total 723.291 351.796 755.082 118.455 120.198 104.594 5 2.173.421

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 72 2. Information on saving and commercial deposits insurance (*): Information on saving deposits under the guarantee of the saving deposits insurance fund and amounts exceeding the limit of the deposit insurance fund: The deposit amounts of the consolidated subsidiaries located abroad are subject to local insurance regulations and are not included in the table below. Under the Guarantee of Deposit Insurance Exceeding the Limit of Deposit Insurance Current Period 30 September 2026 Prior Period 31 December 2025 Current Period 30 September 2026 Prior Period 31 December 2025 Saving Deposits 430.512 358.219 473.519 390.297 Foreign Currency Saving Deposits 82.474 76.752 134.744 142.776 Other Deposits in the Form of Saving Deposits 91.984 75.948 196.862 150.643 Foreign Branches’ Deposits under Foreign Authorities' Insurance - -- - Off-shore Banking Regions’ Deposits under Foreign Authorities' Insurance - -- - Under the Guarantee of Deposit Insurance Exceeding the Limit of Deposit Insurance Current Period 30 September 2026 Prior Period 31 December 2025 Current Period 30 September 2026 Prior Period 31 December 2025 Commercial Deposits 38.283 32.826 244.903 196.415 Foreign Currency Commercial Deposits 7.029 5.916 162.308 121.405 Other Deposits in the Form of Commercial Deposits - 958 39.353 13.064 Foreign Branches’ Deposits under Foreign Authorities' Insurance - - - - Off-shore Banking Regions’ Deposits under Foreign Authorities' Insurance - - - - (*) In accordance with the 'Regulation on the Insurable Deposits and Participation Fund s and the Premiums to be Collected by th e Savings Deposit Insurance Fund' published in the Official Gazette dated 4 December 2025 and numbered 33106, the amount of insured deposit and participation fund amounting to TL 950 thousand (fu ll amount) as of 2025, It has been determined as TL 1 million 20 0 thousand (full amount), effective from the beginning of the calendar year of 2026. 3. Saving deposits of real persons which are not under the guarantee of saving deposit insurance fund: Current Period 30 September 2026 Prior Period 31 December 2025 Foreign Branches’ Deposits and other accounts - - Saving Deposits and Other Accounts of Controlling Shareholders and Deposits of their Mother, Father, Spouse, Children in care - - Saving Deposits and Other Accounts of President and Members of Board of Directors, CEO and Vice Presidents and Deposits of their Mother, Father, Spouse and Children in care 8.444 7.097 Saving Deposits and Other Accounts in Scope of the Property Holdings Derived from Crime Defined in Article 282 of Turkish Criminal Law no:5237 dated 26.09.2004 - - Saving Deposits in Deposit Banks Established in Türkiye solely to Engage in Off-shore Banking Activities - -

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 73 b. Information on trading derivative financial liabilities: Table of derivative financial liabilities (*): Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Forward Transactions 3.533 - 4.836 - Swap Transactions 11.227 16.903 8.741 2.620 Futures Transactions - - - - O ptions 328 3.923 161 6.182 Other - - - - Total 15.088 20.826 13.738 8.802 (*) Excluding hedge transactions. c. Information on borrowings: 1. Information on banks and other financial institutions: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Borrowings from the CBRT 498 - -- From Domestic Banks and Institutions 920 8.826 2.371 10.516 From Foreign Banks, Institutions and Funds 2.353 224.768 560 168.500 Total 3.771 233.594 2.931 179.016 2. Information on maturity structure of borrowings: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Short-term 218 257 398 1.695 Medium and Long-term 3.553 233.337 2.533 177.321 Total 3.771 233.594 2.931 179.016 3. The liabilities providing the funding sources of the Group are deposits, borrowings, marketable securities issued and money market borrowings. Deposits are the most important funding sour ce of the Group and the diversif ication of these deposits by number and type of depositors with a stable structure does not create any risk concentration. The borrowings are composed of funds such as syndicated and securitized borrowings and post -financing obtained from differ ent financial institutions with different maturity-interest structures and characteristics. There is no risk concentration in any of the funding sources of the Group. d. Information on securities issued (Net): Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Bank bills 39.208 - 5.726 - Bonds 17.236 215.864 10.360 195.412 Total 56.444 215.864 16.086 195.412

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 74 e. Information on other foreign liabilities: Other foreign liabilities amounting to TL 43.112 under “Other Li abilities” (31 December 2025: TL 26.793) and do not exceed 10% of the total balance sheet. f. Information on financial leasing agreements: With the “TFRS 16 Leases” standard valid from 1 January 2019, the difference betwee n operating leases and finance leases has been eliminated and the lease transactions have been expressed under the “Lease Payables” as liability by lessees. Liabilities incurred due to financial leasing agreements: Current Period 30 September 2026 Prior Period 31 December 2025 Gross Net Gross Net Less Than 1 Year 1.389 416 1.097 451 Between 1-4 Years 3.443 1.324 2.893 1.463 More Than 4 Years 3.341 1.918 3.052 1.986 Total 8.173 3.658 7.042 3.900 g. Information on the hedging derivative financial liabilities: Current Period 30 September 26 Prior Period 31 December 2025 TL FC TL FC Fair Value Hedge 162 677 2.479 - Cash Flow Hedge 526 - 266 - Net Investment Hedge in a foreign operation - - -- Total 688 677 2.745 - h. Information on provisions: 1. Information on reserves for employee rights: According to Turkish Labor Law, the Bank is required to pay termination benefits to each employee who has completed at least one year of service and whose employment is terminated without due cause, is called up for military service, dies or who retires The compensation amount equals to one month’s salary of an employee for each year of service, but this amount is limited up to severance limit decided by law. This liability is not subject to any funding legally and there is no funding requirement. The reserve has been calculated by estimating the present value of the future probable obligation of the Group arising from the retirement of its employees. TAS 19 requires actuarial valuation methods to be developed to estimate the enterprise’s obligation for such benefits. Accordingly, the following actuarial assumptions were used in the calculation of the total liability: Current Period 30 September 2026 Prior Period 31 December 2025 Discount Rate (%) 3,85 3,85 Rate for the Probability of Retirement (%) 94,43 94,43 The principal actuarial assumption is that the current maximum li ability will increase in line with inflation. Thus, the discou nt rate applied represents the expected real rate after adjusting for the effects of future inflation.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 75 Movements in the reserve for employment termination benefits during the period are as follows: Current Period 30 September 2026 Prior Period 31 December 2025 Prior Period Closing Balance 2.661 1.906 Recognized as an Expense During the Period 763 697 Actuarial Loss / (Gain) 319 337 Paid During the Period (407) (279) Balance at the End of the Period 3.336 2.661 As of 30 September 2026, the Group has allocated vacation liability amounting to TL 2.161 (31 December 2025: TL 1.637). 2. Information on provisions related with foreign currency difference of foreign indexed loans: None (31 December 2025: None). 3. Information on provisions for non-cash loans that are non-funded and non-transformed into cash: Expected loss provisions for non-cash loans that are non-funded and non-transformed into cash amounting to TL 697 as of 30 September 2026 (31 December 2025: TL 735). 4. Information on other provisions: (i).Information on free provision for possible risks: None (31 December 2024: None). (ii). Information on provisons for banking services promot ion:The Group has provision for credit cards and banking services promotion activities amounting to TL 815 (31 December 2024: TL 723). i. Explanations on tax liability: 1. Explanations on tax liability: Tax calculations of the Group are explained in Note XVIII of Section Three. As of 30 September 2026, the remaining tax liability after the deduction of taxes paid is TL 517 (31 December 2025: TL 1.098). 1 (i). Information on taxes payable: Current Period 30 September 2026 Prior Period 31 December 2025 Corporate Taxes Payable 517 1.098 Taxation on Marketable Securities 8.432 7.012 Property Tax 20 17 Banking Insurance Transaction Tax (BITT) 5.784 5.009 Foreign Exchange Transaction Tax 63 72 Value Added Tax Payable 185 481 Other 1.826 1.384 Total 16.827 15.073

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 76 1 (ii). Information on premium payables: Current Period 30 September 2026 Prior Period 31 December 2025 Social Security Premiums – Employee 34 19 Social Security Premiums – Employer 11 9 Bank Social Aid Pension Fund Premium- Employee -- Bank Social Aid Pension Fund Premium – Employer -- Pension Fund Membership Fees and Provisions – Employee -- Pension Fund Membership Fees and Provisions – Employer -- Unemployment Insurance – Employee 31 21 Unemployment Insurance – Employer 59 39 Other 43 Total 139 91 2. Information on deferred tax liability: As of 30 September 2026, Turkish Lira deferred tax liability of the Group amounts to TL 7.827 (31 December 2025: TL 13.988). An explanation about the net deferred tax asset is given in Note I- n of Section Five. j. Information on subordinated loan (*): Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC Debt Instruments subject to common equity - 59.334 - 26.300 Subordinated Loans - - - - Subordinated Debt Instruments - 59.334 - 26.300 Debt Instruments subject to tier 2 equity - 64.471 - 56.504 Subordinated Loans -- -- Subordinated Debt Instruments - 64.471 - 56.504 Total - 123.805 - 82.804 (*) Explanation about the subordinated loan s is given in Note I-b of Section Four. k. Information on shareholders’ equity: 1. Presentation of paid-in capital: Current Period 30 September 2026 Prior Period 31 December 2025 Common Stock 5.200 5.200 Preferred Stock -- 2. Amount of paid-in-capital, explanations as to whether the registered share capital system is applied, if so the amount of registered share capital ceiling: Capital System Paid-in capital Ceiling Registered Share Capital 5.200 30.000 3. Capital increases and sources in the current period and other information based on increased capital shares: None. 4. Information on share capital increases from capital reserves during the current period: None. 5. Information on capital commitments, the purpose and the sources until the end of the fiscal year and the "su/bsequent interim period: None.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 77 6. The effects of anticipations based on the financial figures for prior periods regarding the Group’s income, profitability and liquidity, and possible effects of these future assumptions on the Group’s equity due to uncertainties at these indicators: The Group has been continuing its operations with high profit ability and has been retaining most of its net profit in the equity, either by increasing its capital or transferring it into reserves. On the other hand, only a small part of the equity is allocated to investment such as associates and fixed assets, thus giving a chance for considerably high free capital which provides funds for liquid and interest bearing assets. Considering all these factors, the Group continues to its operations with strong shareholders’ equity. 7. Information on privileges given to shares representing the capital: None. 8. Information on marketable securities value increase fund: Current Period 30 September 2026 Prior Period 31 December 2025 TL FC TL FC From Investments in Associates, Subsidiaries, and Joint Ventures - - - - Valuation Difference (16.549) (6.058) (8.906) 2.628 Foreign Currency Differences - - - - Total (16.549) (6.058) (8.906) 2.628

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 78 III. EXPLANATIONS AND NOTES RELATED TO CONSOLIDATED OFF-BALANCE SHEET ACCOUNTS Explanations on off-balance sheet commitments: 1. Type and amount of irrevocable commitments: TL 199.605 asset purchase commitments (31 December 2025: TL 109.119), TL 1.325.200 commitments for credit ca rd limits (31 December 2025: TL 1. 274.625) and TL 21.241 commitments for cheque books (31 December 2025: TL 16.153). 2. Type and amount of probable losses and obligations arising from off-balance sheet items: The Group has no probable losses arising from off-balance sheet items. Obligati ons arising from the off-balance sheet are disclosed in “Off-balance sheet commitments”. 2 (i).Non-cash loans including guarantees, bank acceptances, collaterals and others that are accepted as financial commitments and other letter of credits: Current Period 30 September 2026 Prior Period 31 December 2025 Bank Acceptance Loans 1.677 838 Letters of Credit 85.980 49.193 Other Guarantees and Warranties 135.565 102.613 Total 223.222 152.644 2 (ii). Revocable, irrevocable guarantees and other similar commitments and contingencies: Current Period 30 September 2026 Prior Period 31 December 2025 Revocable Letters of Guarantee 10.867 19.923 Irrevocable Letters of Guarantee 258.916 208.016 Letters of Guarantee Given in Advance 50.534 37.398 Guarantees Given to Customs 13.036 12.741 Other Letters of Guarantee 144.436 115.653 Total 477.789 393.731 3. Information on non-cash loans: 4. 3 (i). Total amount of non-cash loans: Current Period 30 September 2026 Prior Period 31 December 2025 Non-cash Loans Given against Cash Loans 232.103 179.848 With Original Maturity of 1 Year or Less Than 1 Year 53.866 37.563 With Original Maturity of More Than 1 Year 178.237 142.285 Other Non-cash Loans 468.908 366.527 Total 701.011 546.375

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 79 IV. EXPLANATIONS AND NOTES RELATED TO CONSOLIDATED INCOME STATEMENT a. Information on interest income: 1. Information on interest income on loans (*) : Current Period 30 September 2026 Prior Period 30 September 2025 TL FC TL FC Short-term Loans 205.909 10.123 163.035 10.051 Medium and Long-term Loans 134.438 19.001 104.853 14.412 Interest on Loans Under Follow-Up 8.195 - 5.253 - Premiums Received from the Resource Utilization Support Fund - - - - Total 348.542 29.124 273.141 24.463 (*) Fee and commission income from cash loans are included. 2. Information on interest income on banks: Current Period 30 September 2026 Prior Period 30 September 2025 TL FC TL FC From the CBRT - 12 - 13 From Domestic Banks 741 794 329 181 From Foreign Banks 130 1.632 40 1.682 From Headquarters and Branches Abroad - - - - Total 871 2.438 369 1.876 3. Information on interest income on marketable securities: Current Period 30 September 2026 Prior Period 30 September 2025 TL FC TL FC From Financial Assets at Fair Value through Profit or Loss 2.034 253 3.081 115 Financial Assets at Fair Value through Other Comprehensive Income 65.245 11.438 69.439 7.631 Financial Assets Measured at Amortised Cost 48.060 559 43.179 271 Total 115.339 12.250 115.699 8.017 As stated in the Note VII of Section Three, there are bo nds indexed to consumer prices ("CPI") in the securities portfolios of the Bank whose fair value difference is re flected to other comprehensive income and measured with their amortized cost. The reference indices used in the calculation of the actual coupon payment amounts of these securities are created according to the CPI of two months ago. The estimated in flation rate used is updated during the year when deemed necessary. In this context, as of 30 September 2026, the valuation of these securities was made according to an annual inflatio n forecast of 29,5%. As of 30 Septembe r 2026, in case of the CPI estimate increases or decreases by 1%, the profit before tax will increase by appr oximately TL 1.705 billion (full amount) or decrease by the same amount. 4. Information on interest income received from associates and subsidiaries: None.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 80 b. Information on interest expense: 1. Information of interest expense on borrowings (*): Current Period 30 September 2026 Prior Period 30 September 2025 TL FC TL FC Banks 973 7.360 1.106 5.170 The CBRT -- - - Domestic Banks 720 391 1.106 342 Foreign Banks 253 6.969 - 4.828 Headquarters and Branches Abroad -- - - Other Institutions - 449 - 564 Total 973 7.809 1.106 5.734 (*) Fee and commission expense from cash loans are included. 1. Information on interest expense given to associates and subsidiaries: None. 2. Information on interest expense given to associates and subsidiaries: Current Period 30 September 2026 Prior Period 30 September 2025 Interest expense given to associates and subsidiaries 82 85 3. Information on interest expense given to securities issued: Current Period 30 September 2026 Prior Period 30 September 2025 TL FC TL FC Interest expense on securities issued 9.286 14.807 2.944 10.244

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 81 4. Maturity structure of the interest expense on deposits : There are no seven-day notification deposits. Current Period – 30.09.2026 Time Deposits Demand Deposits Up to 1 Month Up to 3 Months Up to 6 Months Up to 1 Year 1 Year and Over Total T L Bank Deposits - 5.988 2.096 139 76 210 8.509 Saving Deposits - 49.766 119.873 15.123 5.018 10.768 200.548 Public Sector Deposits - 1 24 3 - - 28 Commercial Deposits - 54.103 54.669 8.802 7.721 12.576 137.871 Other Deposits - 470 2.234 709 534 60 4.007 Total - 110.328 178.896 24.776 13.349 23.614 350.963 FC Foreign Currency Deposits 346 895 982 116 592 746 3.677 Bank Deposits 4 10 2.361 635 589 181 3.780 Precious Metals Deposits - 11 666 26 46 1 750 Total 350 916 4.009 777 1.227 928 8.207 Grand Total 350 111.244 182.905 25.553 14.576 24.542 359.170 Prior Period - 30.09.2025 Time Deposits Demand Deposits Up to 1 Month Up to 3 Months Up to 6 Months Up to 1 Year 1 Year and Over Total TL Bank Deposits - 4.800 1.190 1.271 1.549 513 9.323 Saving Deposits - 25.318 141.947 17.662 6.873 5.039 196.839 Public Sector Deposits - 1 27 1 - - 29 Commercial Deposits - 54.568 33.795 12.280 7.206 5.006 112.855 Other Deposits - 320 2.724 1.119 448 104 4.715 Total - 85.007 179.683 32.333 16.076 10.662 323.761 FC Foreign Currency Deposits 278 470 1.221 198 335 384 2.886 Bank Deposits 8 10 1.298 895 853 339 3.403 Precious Metals Deposits - 2 226 4 9 - 241 Total 286 482 2.745 1.097 1.197 723 6.530 Grand Total 286 85.489 182.428 33.430 17.273 11.385 330.291 c. Information on trading profit/loss (Net): Current Period 30 September 2026 Prior Period 30 September 2025 Profit 3.061.321 3.005.870 Profit From Capital Market Transactions 17.659 13.624 Profit From Derivative Financial Transactions (*) 115.873 103.059 Foreign Exchange Gains 2.927.789 2.889.187 Loss (-) 3.094.292 3.005.772 Loss from Capital Market Transactions 7.049 3.127 Loss from Derivative Financial Transactions (*) 159.565 99.393 Foreign Exchange Loss 2.927.678 2.903.252 Total (Net) (32.971) 98 (*) The net profit resulting from the foreign exchange differences related to derivative financial transactions is TL (9.572) (30 September 2025: TL 16.847).

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 82 d. Explanations on other operating income: Other Operating Income” in the Income Statement mainly includes collections from receivables for which provision has been allocated in prior periods and provisions that have been set aside in prior periods and reversed in the current year. e. Provision expenses related to loans and other receivables of the Group: Expected provision expense: Current Period 30 September 2026 Prior Period 30 September 2025 Expected Credit Loss 35.704 31.429 12 month expected credit loss (Stage 1) (1.096) 2.893 Significant increase in credit risk (Stage 2) 1.033 4.061 Non-performing loans (Stage 3) 35.767 24.475 Marketable Securities Impairment Expense - - Financial Assets at Fair Value through Profit or Loss - - Financial Assets at Fair Value through Other Comprehensive Income - - Investments in Associates and Subsidiaries Securities Value Decrease - - Investments in Associates - - Subsidiaries - - Joint Ventures - - Other (*) 2.027 32 Total 37.731 31.461 (*) Includes provisions for impairment losses on assets held for sale and related to discontinue d operations, impairment losses on financial assets at fair value difference through profit or loss, lawsuit provision expenses and provision expense of TL 1.714 for penalty. f. Information related to other operating expenses: Current Period 30 September 2026 Prior Period 30 September 2025 Reserve for Employee Termination Benefits 763 464 Bank Social Aid Fund Deficit Provision - - Impairment Expenses of Fixed Assets - - Depreciation Expenses of Fixed Assets 3.088 2.287 Impairment Expenses of Intangible Assets - - Goodwill Impairment Expenses - - Amortization Expenses of Intangible Assets 2.178 1.426 Impairment Expenses of Equity Participations for which Equity Method is Applied - - Impairment Expenses of Assets Held for Resale 4 - Depreciation Expenses of Assets Held for Resale - - Impairment Expenses of Fixed Assets Held for Sale - - Other Operating Expenses 49.615 36.786 Leasing Expenses on TFRS 16 Exceptions 1.244 949 Maintenance Expenses 966 558 Advertisement Expenses 2.150 1.584 Other Expenses 45.255 33.694 Loss on Sales of Assets 2 1 Other (*) 15.735 12.595 Total 71.385 53.558 (*) TL 3.768 consists of saving deposit insurance fund expense (30 September 2025: TL 3.207) and TL 6.481 consists of taxes, duties, fees and fund expenses (30 September 2025: TL 5.144).

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 83 g. Information on income/loss from minority interest: Current Period 30 September 2026 Prior Period 30 September 2025 Income/(loss) from minority interest (17) (15) h. Information on tax provision of continued and discontinued operations: As of 30 September 2026, the Group has a curr ent tax expense of TL 12.963 (30 September 2025: TL 4.402), deferred tax expense of TL 8.267 (30 September 2025: TL 12.380) and deferred tax income of 4.333 (30 September 2025: 7.124). The Group’s current tax expense of TL 920 (30 September 2025: TL 863) and deferred tax income of TL 149 (30 September 2025: TL 29) belong to Akbank AG, its subsidiary operating in Germany. The Group has no discontinued operations. i. Other figures on profit and loss statement: “Other Fee and Commission Income” in the statement of profit or loss mainly consists of commissions received from credit card, money transfer and insurance transactions. V. EXPLANATIONS AND NOTES RELATED TO CONSOLIDATED STATEMENT OF CASH FLOWS Disclosures are not prepared in accordance with the Articl e 25 of the "Communiqué on the Financial Statements to be disclosed Public by Banks and explanations and Footnotes Thereof".

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 84 VI. EXPLANATIONS AND NOTES RELATED TO RISK GROUP THAT THE GROUP BELONGS TO: Information on the volume of transactions relating to the Group’s risk group, outstanding loan and deposit transactions and income and loss of the period: 1.Current Period – 30 September 2026: Group’s Risk Group Investments in Associates, Subsidiaries and Joint Ventures (Business Partnerships) Direct and Indirect Shareholders of the Group Other Real and Legal Persons that have been included in the Risk Group Cash Non-Cash Cash Non-Cash Cash Non-Cash Loans Balance at the Beginning of the Period - - 33.896 16.143 83 10 Balance at the End of the Period - - 49.305 17.486 39 17 Interest and Commission Income Received - - 5.067 57 5 - 2. Prior Period – 31 December 2025: Group’s Risk Group Investments in Associates, Subsidiaries and Joint Ventures (Business Partnerships) Direct and Indirect Shareholders of the Group Other Real and Legal Persons that have been included in the Risk Group Cash Non-Cash Cash Non-Cash Cash Non-Cash Loans and Other Receivables Balance at the Beginning of the Period - - 28.929 11.740 91 15 Balance at the End of the Period - - 31.773 18.108 74 11 Interest and Commission Income Received(*) - - 3.493 59 5 - (*) 30 September 2025 balances used for income/expense accounts. 3. Information on deposits of the Group’s risk group: Bank’s Risk Group Investments in Associates, Subsidiaries and Joint Ventures (Business Partnerships) Direct and Indirect Shareholders of the Group Other Real and Legal Persons that have been included in the Risk Group Current Period 30.09.2026 Prior Period 31.12.2025 Current Period 30.09.2026 Prior Period 31.12.2025 Current Period 30.09.2026 Prior Period 31.12.2025 Balance at the Beginning of the Period 3.273 3.216 25.053 11.011 4.057 3.856 Balance at the End of the Period 3.486 3.273 54.232 25.053 4.247 4.057 Interest expense on Deposits(*) 82 85 3.832 1.399 1.041 797 (*) 30 September 2025 balances used for income/expense accounts.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 85 4. Information on forward and option agreements and other similar agreements made with the Group’s risk group: Bank’s Risk Group Investments in Associates, Subsidiaries and Joint Ventures (Business Partnerships) Direct and Indirect Shareholders of the Group Other Real and Legal Persons that have been included in the Risk Group Current Period 30.09.2026 Prior Period 31.12.2025 Current Period 30.09.2026 Prior Period 31.12.2025 Current Period 30.09.2026 Prior Period 31.12.2025 Transactions at Fair Value Through Profit or Loss Beginning of the Period 42.279 13.501 Balance at the End of the Period - - 59.621 42.279 - - Total Income/Loss(*) - - (725) 8 - - Transactions for Hedging Purposes -- -- - - Beginning of the Period -- Balance at the End of the Period -- - - - - Total Income/Loss(*) -- - - (*) 30 September 2025 balances used for income/expense accounts. Figures presented in the table above show the total of “sale” and “purchase” amounts of the related transactions. Accordingly, as a result of the nature of these transactions, the difference between the “sale” and “purchase” transactions affects the net exposure of the Group. As of 30 September 2026, the net exposure for direct and indirect shareholders of the Group is TL [475] (31 December 2025: TL 833). 5. Information regarding benefits provided to the Group’s key management: As of 30 September 2026, benefits provided to the Group’s key management amounting to TL 1.366 (30 September 2025: TL 1.005). VII. EXPLANATIONS AND NOTES RELATED TO SUBSEQUENT EVENTS: The capital of Ak Finansal Kiralama A.Ş., a wholly-owned subsidiary of the Bank, has been increased from TL 1.373 to TL 3.433, comprising a cash capital increa se of TL 2.000 and TL 60 transferred fr om the revaluation special fund account. The transactions related to the capital increase were registered on 16 October 2026. SECTION SIX EXPLANATIONS ON AUDITOR’S REVIEW REPORT I. EXPLANATIONS ON AUDITOR’S REVIEW REPORT The consolidated financial statements for the interim period ended 30 September 2026 have been reviewed by DRT Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş. (Member of Deloitte Touche Tohmatsu Limited). The auditor’s interim review report dated 27 October 2026 is presented preceding the consolidated financial statements. II. EXPLANATIONS AND NOTES PREPARED BY INDEPENDENT AUDITORS None.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 86 SECTION SEVEN (*) EXPLANATIONS ON INTERIM ACTIVITY REPORT Message from the Chairman of the Board: Geopolitical developments and energy prices continued to be key drivers of the global economy and financial markets in the third quarter of the year. Energy prices, which had declined towards th e end of the second quarter, started to rise again in the thir d quarter amid the absence of a lasting agreement in the region an d renewed concerns over energy supply. Brent crude oil prices once again exceeded USD 100 per barrel, whil e constraints on refining capacity furthe r intensified the pressure on end-product fuel prices. In addition, European natural gas prices reaching their highest levels since the onset of the war heightened the r isks to global inflation. Despite the adverse effects and uncertainties caused by geopol itical developments, the global economy continues to display resilience. According to the IMF’s October World Economic Outlook, the global economy is expected to grow by 3.1% in 2026, broadly in line with growth rates observed in recent years, before accelerating to 3.4% in 2027. Nevertheless, growth performance continues to diverge across coun tries. While higher energy prices represent a negative supply shock to the global economy, particularly strong AI-related investment in the US continues to be an important factor supporting global growth. High public debt, rising bond yields and a potential correcti on in AI-related asset prices are among the key risks to the economic outlook in the period ahead. Geopolitical developments have also disrupted the anticipated global disinflation process. Th e IMF expects global consumer inflation, which stood at 4.1% in 2025, to ri se to 4.7% in 2026 before declining to 4.1% in 2027. Inflationary pressures have a lso significantly altered the monetary policy outlook, which at the beginning of the year had been characterized by expectations of rate cuts by major central banks. The Fed raised its policy rate by 25 basis points in September to a range of 3.75–4.00%, while the ECB raised rates twice, bringing its policy rate to 2.50%. Major cent ral banks are expected to maintain a tight monetary policy sta nce for an extended period, while global financial conditions are like ly to remain tightened. Market pricing points to three additi onal rate hikes by both the ECB and the Fed over the next 12 months, with the first expected towards the end of this year. In addition to inflationary pressures, concerns over high public debt and, in particular, the substantial financing needs gener ated by AI investment are also exerting upward pressure on long-term interest rates. Long-term government bond yields in advanced economies have risen by approximately 1–1.5 percentage points from their pre-war levels, further intensifying fiscal pressures in highly indebted economies. On the other hand, the resilience of the US economy and the contribution of AI-related investment to growth are providing some support to global risk appetite and demand for emerging-market assets. Against this backdrop, the US dollar appreciated significantly against other currencies during the period, while pressure on precious metals persisted. Domestically, the impact of tight financial conditions on economic activity became more visible in the second and third quarter s, compounded by geopolitical developments and the decline in asset prices. In the second quarter, GDP grew by 2.3% year-on-year and 1.1% quarter-on-quarter, with net exports being the main driver of quarterly growth. Domestic demand, meanwhile, began to slow. The loss of momentum in private consumption in the second quarter and high-frequency indicators pointing to a more moderate outlook in the third quarter suggest that the rebalanc ing in the economy is continuing. The favorable performance of agricultural production this year also stands out as a factor supporting growth without generating inflationary pressures. Against this backdrop, we expect growth to be in the range of 2.5–3. 0% in 2026 and the slowdown in domestic demand to continue supporting the disinflation process in the period ahead. While high energy prices and the real appreciation of the Turkis h lira continue to exert upward pressure on the current account deficit, the slowdown in imports excluding energy and gold due to cooling domestic demand, additional exports resulting from demand being redirected to Türkiye because of the war, and the marked decline in gold imports continue to support the current account balance. As of August, the 12-mont h cumulative current account deficit stood at approximately $42 billion, while the underlying trend points to a significantly lower deficit in the period ahead. We expect the current account deficit-to-GDP rati o to remain at a sustainable level slightly above 2% at year-end. Nevertheless, energy prices and uncertainties surrounding global trade policies remain the main risks to the external balance. Due to the impact of the war, the domestic disinflation proce ss progressed more slowly than envisaged at the beginning of the year. Despite the direct and indirect effects of the sharp increase in domestic fuel prices stemmi ng from higher energy prices in

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 87 the third quarter, favorable food inflation and a declining underlying inflation trend amid weaker demand helped annual consumer inflation fall to 29.7% as of September. Under the current outloo k, we expect year-end consumer inflation to be around 30%. Looking ahead, in addition to the path of energy prices, pric ing behavior and inflation expectations, wage and administered-price adjustments will also be important for the 2027 inflation outlook. As financial markets normalized, the CBRT brought its effective funding rate back in line with the policy rate in August. During this period, FX demand from domestic residents did not increase to the extent observed during previous periods of uncertainty. As financial market volatility subsided, foreign capital inflows and reserve accumulation resumed in the third quarter, and most of the reserve losses during the war period were recovered. Domestic residents’ continued preference for Turkish lira assets also continues to support financial stability. The absence of a sign ificant trend towards dollarization even following the recent developments in money market funds has been an important indicator in this respect. Despite the more pronounced weakening in domestic demand and the improvement in the underlying trend of inflation, a cautious monetary policy stance is being maintained due to geopolitical risks. While continued improvement in the inflation outlook coul d create room for gradual rate cuts in the pe riod ahead, we expect this cautious stance to be maintained given geopolitical risks , inflation expectations and the anticipated tightening in global financial conditions. Coordination between monetary policy and fiscal policy also rema ins important. Despite the burden of geopolitical developments on the budget, as of September the budget deficit-to-GDP ratio remained close to its 2025 level, while the primary balance posted a limited surplus, indicating that fiscal discipline has been maintained. The current fiscal stance is broadly consistent with the Medium-Term Program targets announced in September. We believe that maintaining fiscal discipline will continue to be an important element of the policy mix in the period ahead by suppor ting the effectiveness of moneta ry policy in the disinflation process. The effects of tight financial conditions on the banking sector’s asset quality and profitability continue to be observed. Whil e the sector-wide non-performing loan ratio has approached 3%, strong capital and liquidity buffers continue to support the sector’s resilience to shocks. Indeed, the capital adequacy ratio (CAR) re mained above the regulatory mini mum at 16.6% in August, while the core CAR maintained its strong level at 12.4%. Therefore, the current level of no n-performing loans does not yet constitute a significant risk to asset quality. Looking ahead, we believe that the key priority should be to maintain the policy framework necessary to achieve a sustained decline in inflation. Maintaining a tight and coordinated economic poli cy stance, safeguarding financial stability and implementing measures to support growth within a selective and targeted framework will help limit the impact of prevailing global uncertainties on the Turkish economy. As disinflation strengthens and financial conditions gradually normalize, we expect operating conditions for the banking sector to improve in terms of credit growth, a sset quality and profitability. With its strong capital and liqui dity position, the banking sector will continue to increase its support fo r the sustainable growth of the Turkish economy in an environment of strengthening macroeconomic stability and greater predictability. Message from the CEO In the third quarter, energy prices rose again amid heightened geopolitical uncertainty, continuing to affect the global econom y and financial markets, while central banks in advanced economies adopted a tighter monetary stance in response to increasing inflationary pressures. Against this backdrop of tightening gl obal financial conditions, the pr ogress made in the domestic disinflation process and strengthening macroeconomic balance paved the way for gradual steps towards normalisation by Turkish economic authorities. At Akbank, we cont inued to stand firmly behind the Turkish economy and our customers throughout this period of heightened global uncertainty. In the first nine months of 2026, the loan support we provided to the economy increased to a total of TL 3 trillion 35 billion with TL 2 trillion 334 billion in cash loans. Our deposits reached TL 2 trillion 641 billion, while our assets reached TL 4 trillion 19 8 billion. With our strong capital adequacy ratio of 16.7%, we continued to support the growth and development of the real sector. In the first nine months of the year, Akbank reported a consolidated net pr ofit of TL 45 billion 933 million after TL 16 billion 897 million tax expenses. I would like to thank our colleagues for their successful performance and all our stakeholders, especially our customers, for the trust they place in us. (*) Unless otherwise stated, the amounts presented in Section Seven are expressed in full amount.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 88 A. INTRODUCTION 9. Changes in the Articles of Association during the period: OLD FORM Capital and Mode and Terms of Payment of Capital: Article: 9 A. The Bank adopted the authorized capital system in accordance with the provisions of Capital Market Law and implemented the authorized capital system pursuant to the Capital Markets Board’s permission No . 116/1376 dated December 2, 1999. The authorized capital of the Bank is TL 10.000.000.000 (ten billion) divided into 1.000.000.000.000 (one trillion) registered shares each with a nominal value of 1 Kuruş. Capital Markets Board’s approval of the authorized capital is valid between 2021 and 2025 (5 years). Even if the authorized capital has not been reached at the end of 2025, in order for the Board of Directors to take a decision to raise the Bank’s capital after 2025, the Board is required obtain get the authorization of the Genera l Assembly not longer than 5 years for a new time period after obtaining the permission of the Capital Markets Board for the pr eviously approved authorized capital or a new authorized capita l level. In case the aforementioned authoriz ation is not obtained, the Bank shall not in crease its capital with a Board of Direct ors’ resolution. The Board of Directors is author ized to issue new shares and raise the issued capital up to the authorized capital in accordance with the provisions of the Capital Markets Law. B. The issued capital of the Bank is TL 5.200.000.000 (five billion and two hundred million) divided into 520.000.000.000 (five hundred and twenty billion) registered shares each with a nominal value of 1 Kurus. C. The issued capital of TL 5.200.000.000 (five billion and two hundred million) is paid fully and in cash, free from collusion . The shares which represent the capital are registered in accordance with the principles of dematerialization. When necessary, the Bank’s capital can be raised or lowered wi thin the framework of the provisions of the Turkish Commercial Code and the Capital Markets Law. D. Unless resolved otherwise by the General Assembly, the existing shareholders of the Bank are entitled to acquire, in proportion to their current shareholding, new shares to be issued against new cash capital injection. The unused preemptive rights of the shareholders entitled to these shares - in accordance with the related communiqués of the Capital Markets Board and the applicable provisions of the Turkish Commercial Code, by addressi ng the Bank in the time period to be determined by the Board of Directors which is not to be shorter than 15 or longer than 60 days commencing from the event depicted by the aforementioned legislation - shall be void. The shares released due to unused preemptive rights shall be subject to the applicable legislation. E. All shares must be registered and listed on the Stock Exchange. F. The Board of Directors is authorized to pass resolutions with respect to issuing shares at a premium or at a discount to the nominal value accordance with the provisions of the Capital Markets Law. NEW FORM Capital and Mode and Terms of Payment of Capital: Article: 9 A. The Bank adopted the authorized capital system in accordance with the provisions of Capital Market Law and implemented the authorized capital system pursuant to the Capital Markets Board’s permission No . 116/1376 dated December 2, 1999. The authorized capital of the Bank is TL 30.000.000.000 (thirty billion) divided into 3.000.000.000.000 (three trillion) registered shares each with a nominal value of 1 Kuruş. Capital Markets Board’s approval of the authorized capital is valid between 2026 and 2030 (5 years). Even if the authorized capital has not been reached at the end of 2030, in order for the Board of Directors to take a decision to raise the Bank’s capital after 2030, the Board is required obtain get the authorization of the Genera l Assembly not longer than 5 years for a new time period after obtaining the permission of the Capital Markets Board for the pr eviously approved authorized capital or a new authorized capita l level. In case the aforementioned authoriz ation is not obtained, the Bank shall not in crease its capital with a Board of Direct ors’

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 89 resolution. The Board of Directors is author ized to issue new shares and raise the issued capital up to the authorized capital in accordance with the provisions of the Capital Markets Law. B. The issued capital of the Bank is TL 5.200.000.000 (five billion and two hundred million) divided into 520.000.000.000 (five hundred and twenty billion) registered shares each with a nominal value of 1 Kurus. C. The issued capital of TL 5.200.000.000 (five billion and two hundred million) is paid fully and in cash, free from collusion . The shares which represent the capital are registered in accordance with the principles of dematerialization. When necessary, the Bank’s capital can be raised or lowered wi thin the framework of the provisions of the Turkish Commercial Code and the Capital Markets Law. D. Unless resolved otherwise by the General Assembly, the existing shareholders of the Bank are entitled to acquire, in proportion to their current shareholding, new shares to be issued against new cash capital injection. The unused preemptive rights of the shareholders entitled to these shares - in accordance with the related communiqués of the Capital Markets Board and the applicable provisions of the Turkish Commercial Code, by addressi ng the Bank in the time period to be determined by the Board of Directors which is not to be shorter than 15 or longer than 60 days commencing from the event depicted by the aforementioned legislation - shall be void. The shares released due to unused preemptive rights shall be subject to the applicable legislation. E. All shares must be registered and listed on the Stock Exchange. F. The Board of Directors is authorized to pass resolutions with respect to issuing shares at a premium or at a discount to the nominal value accordance with the provisions of the Capital Markets Law. 10. Important Issues and Transactions during the period Fitch Ratings, following the outlook revision of Turkiye's Long Te rm IDR to "Positive" from "Stable", has affirmed Akbank's Lon g Term Foreign and Local Currency IDRs at "BB-" while revising the outlooks to "Positive" from "Stable" as of January 29, 2026. The remaining notes were affirmed. On 12 February 2026, coupon rate of Additional Tier 1 Notes has been set at 7,950% with a total size of USD 600 million. As of February 13, 2026, the po rtion of our Bank's non-performing loan portfoli o with a balance of TL 1.220 Million has been so ld to Birikim Varlık Yönetimi A.Ş., Gelecek Varlık Yönetimi A.Ş., İstanbul Varlık Yönetimi A.Ş. and Ortak Varlık Yönetimi A.Ş. for a total price of TL 242 Million. On 24 February 2026, the Competition Board has decided to initiate an investigation regarding certain banks, financial institutions and companies, including Akbank T.A.Ş., in order to determ ine whether Article 4 of Law No. 4054 on the Protection of Competition has been violated by these entities in the labor market through restrictive agreements, concerted practices and decisions of associations of undertakings, or other prohibited co nduct. The initiation of an investigation by the Competition B oard cannot be interpreted as meaning that Law No. 4054 has been violated or that any administrative sanctions will be imposed under the Law. In accordance with the decision taken at our Bank's Board of Directors' meeting dated February 26, 2026 and numbered 11403, it was resolved that, for the purposes of disc losure in the application to be submitted to the Capital Markets Board regarding the issuance of Asset-Backed Securities ("AB S/VDMK") within the scope of the Communiq ué on Asset-Backed or Mortgage-Backed Securities No. III-58.1, to be carried out by the "TMKŞ Akbank Bi rinci Varlık Finansmanı Fonu" established by Birleşik İpotek Finansmanı A.Ş. (Türkiye Securitization Company-Türkiye Menkul Kıymetleştirme Şirketi), the issuance ceiling of the ABS's ("VDMK") be determined as TL 75.000.000.000. The related issuances are subject to the approval of the Capital Markets Board. As of March 6, 2026, the portion of our Bank 's non-performing loan port folio with a balance of TL 1.572 Million has been sold t o Denge Varlık Yönetimi A.Ş., Dünya Varlık Yönetimi A.Ş., Emir Varlık Yönetimi A.Ş., Ortak Varlık Yönetimi A.Ş. Sümer Varlık Yönetim A.Ş. and for a total price of TL 271 Million. At the Ordinary General Assembly Meeting of our Bank held on 24 March 2026, it has been decided that the dividend to be distributed from 2025 net profit of TL 57.247.060.569,93 will be as follows;

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 90 · Gross TL 260.000.000 equal to 5% of Bank's paid-in capital of TL 5.200.000.000 as of December 31, 2025 will be allocated as primary cash gross dividend; and gross TL 11.189.360.000 will be allocated as secondary cash gross dividend. Total gross dividend of TL 11.449.360.000 equal to 220,18% of the paid-in capital, will be distributed to shareholders, · Cash dividend payment to start from 26th of March, 2026, · In accordance with the first paragraph clause (e) of article 5 of the Corpor ate Tax Law, TL 74.048.994, 83 ,which is exempt fr om corporate tax, to be allocated to a "Special Fund Account" and after allocating TL 1.118.936.000 to Legal Reserves, the remaining profit will be retained under Extraordinary Reserves. At the Ordinary General Assemb ly Meeting of our Bank held on 24 March 2026, it has been de cided to appoint DRT Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş. for the 2026 independent audit of the Bank and the assurance engagement for the 2026 sustainability report. As of March 26, 2026, Akbank has secured a multi-currency syndicated term loan facility from international markets: USD 124.85 million and EUR 175.4 million with 367 days maturity; USD 202 million and EUR 60 million with 2 years and 2 business days maturity; USD 102.5 million with 3 years and 2 busine ss days maturity. All-in cost for the 367-day tranches are SOFR+1.25% p.a. and Euribor+1.10% p.a. respectively. All-in cost for the 2 years and 2 business days tranches are SOFR+1.75% p.a. and Euribor+1.60% p.a. respectively. All-in cost for the 3 years and 2 business days tranche is Sofr+2.00% p.a. As of March 30, 2026, the portion of our Ba nk's non-performing loan portfolio with a balance of TL 1.491 Million has been sold to Arsan Varlık Yönetimi A.Ş., Dünya Varlık Yönetimi A.Ş. and Gelecek Varlık Yönetim A.Ş. for a total price of TL 222 Million. Resolutions of the Ordinary Gene ral Assembly held on March 24, 2026 were register ed at the Istanbul Trade Registry Office on April 7, 2026. Following the outlook revision of Turkiye's Long Term IDR to "Stable" from "Positive", Fitch Ratings has affirmed Akbank's Long Term Foreign and Local Currency IDRs at "BB-" while revising the ou tlooks to "Stable" from "Posit ive" as of April 15, 2026. The remaining notes were affirmed. On June 11, 2026, Fitch confirmed the aforementioned ratings and outlooks. The issuance of sustainability Tier II Notes in two different ISIN codes (XS3394857984 - 488.013.000 USD, US00971YAP51 - 11.987.000 USD) in total of USD 500.000.000 is completed and the coupon rate was fixed at 8,250% as of June 8, 2026. It has been decided to call the sustainability subordinated notes (Tier II) with ISINs XS2355183091 and US00971YAJ91 issued on 22 June 2021, amounting USD 500 million in tota l with 10 years maturity and having a call option at the end of 5 years. Accordingl y, the application to the Banking Regulation and Supervision Agency to call sustainability subordinated notes was approved. All Notes redeemed on 22 June 2026. According to the Board of Directors decision dated 30 June 2026; the resignation of the Board Member Nusret Orhun Köstem was approved. Mustafa Aydın was elected as Board Member. This election will be submitted for approval to the upcoming General Assembly. As of July 16, 2026, Moody's affirmed Akbank's Long-T erm Foreign and Local Currency Bank Deposit Ratings and Senior Unsecured Ratings at "Ba3" and maintained the outlooks as "Stable". The remaining notes were also affirmed. On 7 August 2026, the portion of our Bank's non-performing loan portfolio with a balance of TL 1.247 Million was sold to Emir Varlık Yönetim A.Ş., Gelecek Varlık Yönetimi A.Ş., Sümer Varlık Yönetimi A.Ş. and for a total price of TL 218 Million. As of September 2, 2026, it has been deci ded by the Board of Director s to authorize the General Di rectorate to carry out the necessary procedures regarding the increa se of the capital of our 100% subsidiary , Ak Finansal Kiralama A.Ş. from TL 1.373.400.000 to TL 3.432.902.397 by TL 2.059.502.397, TL 2.000.000.000 of which will be contributed in cash and TL 59.502.397 will be financed from the revaluation surplus fund account.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 91 As disclosed in the material event disclo sure dated 15 September 2026, Akbank establ ished a Diversified Payment Rights (DPR) program, which is a financing program based on international remi ttance flows, and within the scope of this program, AK DPR Finance Company Limited has been established as a Special Purpose Vehicle (SPV). As disclosed in the material event disclosure dated 24 February 2026, the Turkish Competition Authority initiated an investigation into some banks and financial instituons, including our Bank, as well as other companies, regarding labour markets. As announced in the Bank’s material event disclosure dated 12 October 2026, the Competition Board, pursuant to its decision numbered 26- 30/899-383, resolved to conclude the investig ation concerning the Bank through a sett lement procedure. The process will be finalized upon payment of the administrative monetary fine amounting to TL 1.713.897.558. B. BANKING SECTOR THIRD QUARTER OVERVIEW In the the first nine months of 2026, loan growth in the sector was 25% and deposit growth on the funding side was 18%. C. CONSOLIDATED FINANCIAL RESULTS AND FIRST QUARTER OVERVIEW 1. Main Balance Sheet Items (TL Million): 30.09.2026 31.12.2025 Consolidated Consolidated Financial Results Financial Results Total Assets 4.197.902 3.558.950 Loans 2.334.451 1.920.958 Deposits 2.641.432 2.173.421 Equity 330.260 310.170 Net Income (30.09.2025) 45.950 38.923 2. Main Financial Ratios (%): 30.09.2026 31.12.2025 Consolidated Consolidated Financial Results Financial Results Loan / Total Assets 55,6 54,0 Deposit / Total Assets 62,9 61,1 Return on Equity (30.09.2025) 19,4 20,4 Return on Assets (30.09.2025) 1,6 1,8 NPL Ratio 3,7 3,4 Capital Adequacy Ratio 16,7 19,0 Earnings Per Share (TL) (30.09.2025) 0,0884 0,0749 3. Akbank 3Q26 Results Overview: Akbank reported a gross profit of TL 62. 830 million, setting aside TL 16.897 million of tax provisions, reporting a net consolidated profit of TL 45.950 million in the first nine months of the year. Capital adequency ratio of the bank has realized at 16,67 % in this period. As of 30 September 2026, Akbank’s consolidated total asset realized at TL 4.198 billion, loans are TL 2.334 billion and total deposits are TL 2.641 billion. Akbank’s NPL ratio realized at 3,7 % as of 30 September 2026.

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CONVENIENCE TRANSLATION OF PUBLICLY ANNOUN CED CONSOLIDATED FINANCIAL STATEMENTS ORIGINALLY ISSUED IN TURKISH, SEE NOTE I.b OF SECTION THREE AKBANK T.A.Ş. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT 30 SEPTEMBER 2026 (Amounts expressed in millions of Turkish Lira (“TL”) unless otherwise stated.) 92 4. Bank’s Expectations for 2026: Banks’ forward-looking consolidated expectations which was announced publicly on 28 July 2026, are stated below: 2026 Guidance Outlook (%) TL Loan Growth > 30% FX Loan Growth (in USD) High-single digit ROE 23-25% NIM (Swap ad.) 3.2-3.5% Net fees&comm. growth > 30% Opex increase Low-30%’s Cost/income (*) Hi gh-40%’s NPL ~ 3.5% Net total CoC (excl. ccy impact) ~ 200 b ps (*) CIR calculation excludes FX gain from hedge position related with stage 1&2 provisions

Interim report