HALKB Q2 2026 Earnings Report

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TÜRKİYE HALK BANKASI ANONİM ŞİRKETİ Consolidated Financial Statements As of 30 June 2026 With Review Report Thereon ( Convenience Translation of Consolidated Financial Statements and Related Disclosures and Footnotes Originally Issued in Turkish )

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Independent Auditor’s Report on Review of Consolidated Interim Financial Statements To the Board of Directors of Türkiye Halk Bankası A.Ş. Introduction We have reviewed the accompanying consolidated balance sheet of Türkiye Halk Bankası A.Ş. (“the Bank”) and its subsidiaries (together will be referred as “the Group”) as at 30 June 2026 and the consolidated statement of profit or loss, the consolidated statement of profit or loss and other comprehensive income, the consolidated statement of changes in shareholders’ equity, the consolidated statement of cash flows for the six-month period then ended, and notes, comprising a summary significant accounting policies and other explanatory information. The Group management is responsible for the preparation and fair presentation of these consolidated interim financial statements in accordance with the Banking Regulation and Supervision Agency (“BRSA”) Accounting and Reporting Legislation which includes “Regulation on Accounting Applications for Banks and Safeguarding of Documents” published in the Official Gazette No. 26333 dated 1 November 2006, and other regulations on accounting records of banks published by Banking Regulation and Supervision Board and circulars and interpretations published by BRSA and the requirements of Turkish Accounting Standard 34 “ Interim Financial Reporting” for the mat ters not regulated by the aforementioned legislations (together referred as “BRSA Accounting and Reporting Legislation”). Our responsibility is to express a conclusion on these consolidated interim financial statements based on our review. Scope of Review We conducted our review in accordance with the Standard on Review Engagements (“SRE”) 2410, “Review of Interim Financial Information Performed by the Independent Auditor of the Entity ”. A review of interim financial statements consists of maki ng inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review of interim financial statements is substantially less in scope than an audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

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Conclusion Based on our review nothing has come to our attention that causes us to believe that the accompanying consolidated interim financial statements do not present fairly, in all material respects, the consolidated financial position of Türkiye Halk Bankası A.Ş. as at 30 June 2026 and its consolidated financial performance and its consolidated cash flows for the six-month period then ended in accordance with the BRSA Accounting and Reporting Legislation. Report on Other Legal and Regulatory Requirements Based on our review, nothin g has come to our attention that causes us to believe that the financial information provided in the interim activity report in section seven of the accompanying consolidated interim financial statements is not consistent, in all material respects, with the reviewed consolidated interim financial statements and explanatory notes. KPMG Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik Anonim Şirketi Murat Alsan, SMMM Partner 7 August 2026 İstanbul, Türkiye

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THE CONSOLIDATED FINANCIAL REPORT FOR THE SIX-MONTH PERIOD ENDED 30 JUNE 2026 1. The Bank’s Headquarter Address: Finanskent Mahallesi Finans Caddesi No: 42/1 Ümraniye/İstanbul 2. The Bank’s Contact Phone and Fax: Phone : 0216 503 70 70 Fax : 0212 340 93 99 3. The Bank’s Website and E-mail Address: Website: www.halkbank.com.tr E-mail Address: halkbank.ir@halkbank.com.tr The consolidated financial report for the six-month prepared in accordance with the Communiqué on Financial Statements to be Disclosed to Public by Banks and Explanations and Footnotes Thereof as regulated by Banking Regulation and Supervision Agency, is comprised of the following sections: • Section One: :GENERAL INFORMATION ABOUT THE PARENT BANK • Section Two :CONSOLIDATED FINANCIAL STATEMENTS OF THE PARENT BANK • Section Three :EXPLANATIONS ON ACCOUNTING POLICIES FOR THE RELEVANT PERIOD • Section Four :INFORMATION RELATED TO FINANCIAL STRUCTURE AND RISK MANAGEMENT OF THE GROUP • Section Five :EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS • Section Six :LIMITED REVIEW REPORT • Section Seven :INTERIM ACTIVITY REPORT Subsidiaries and associates which are consolidated within this financial report are as below: Subsidiaries Associates 1. Halk Yatırım Menkul Değerler AŞ 1. DHB Bank NV 2. Halk Gayrimenkul Yatırım Ortaklığı AŞ 2. Kobi Girişim Sermayesi Yatırım Ortaklığı AŞ 3. Halk Finansal Kiralama AŞ 3. Yıldız Tekno Girişim Sermayesi Yatırım Ortaklığı AŞ 4. Halk Faktoring AŞ 4. Birleşim Varlık Yönetim AŞ 5. Halk Banka AD, Skopje 6. Halkbank AD, Beograd 7. Halk Varlık Kiralama AŞ 8. Halk Elektronik Para ve Ödeme Hizmetleri AŞ 9. Halk Katılım Bankası AŞ The consolidated financial statements for the six-month period ended 30 June 2026 and related disclosures and footnotes that are subject to limited review and are prepared in accordance with the Regulation on Accounting Applications for Banks and Safeguarding of Documents, Turkish Accounting Standards, Turkish Financial Reporting Standards and the related statements and guidance, and in compliance with the financial records of our Bank and, unless stated otherwise, presented in million of Turkish Lira. Istanbul, 7 August 2026 Meltem TAYLAN AYDIN R. Süleyman ÖZDİL Maksut SERİM Mevlüt UYSAL Yusuf Duran OCAK Osman BEKTAŞ Chairman of the Board of Directors Member of the Board of Directors, Chief Executive Officer Member of the Board of Director, Chairman of the Audit Committee Member of the Board of Director, Member of the Audit Committee Financial Management Vice Chief Executive Officer Head of Financial Accounting Department For any questions regarding this financial report, contact details of the personnel in charge is given below: Name-Surname/Title : Atiye Ece GÜLERGÜN/ Manager Tel No : 0216 503 52 48 Fax No : 0212 340 09 90

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SECTION ONE General Information About the Parent Bank Page No I. History of the Parent Bank Including Foundation Date, Initial Legal Status, Amendments to Legal 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 Parent Bank Directly or Indirectly, Changes in These Matters During the Year (If Any) and the Group the Parent Bank Belongs to 1 III. Explanations on the Parent Bank ’s Chairman and Members of Boa rd of Directors, Audit Committee Members, Chief Executive Officer and Executive Vice Presidents and Responsibilities and Shareholding in the Parent Bank, If any 2 IV. Explanation on the Parent Bank's Qualified Shareholders 3 V. Summary Information on the Parent Bank's Service Type and Fields of Operation 3 VI. Explanation About Companies Within The Scope Of Consolidation 4 VII. Differences Between the Communiqué on Preparation of Consolidated Financial Statements of Banks and Turkish Accounting Standards and Short Explanation About the Institutions Subject to Line-by-Line Method or Proportional Consolidation and Institutions Which are Deducted From Equity or Not Included in These Three Methods 5 VIII. Current or Likely Actual or Legal Barriers to Immediate Transfer of Shareholders' Equity or the Repayment of Debts Between the Parent Bank and Its Subsidiaries 5 SECTION TWO Consolidated Financial Statements I. Consolidated Balance Sheet (Consolidated Statement of Financial Position) 7 II. Consolidated Statement of Off-Balance Sheet Items 9 III. Consolidated Statement of Profit or Loss 10 IV. Consolidated Statement of Profit or Loss and Other Comprehensive Income 11 V. Consolidated Statement of Changes in Shareholders’ Equity 12 VI. Consolidated Statement of Cash Flows 13 SECTION THREE Explanations on Accounting Policies I. Explanations on Basis of Presentation 14 II. Explanations on the Strategy for Use of Financial Instruments and Foreign Currency Transactions 15 III. Information About the Consolidated Associates and Subsidiaries 15 IV. Explanations on Forward and Option Contracts and Derivative Products 17 V. Explanations on Interest Income and Expenses 17 VI. Explanations on Fee and Commission Income and Expenses 17 VII. Explanations on Financial Assets 18 VIII. Explanations on Impairment of Financial Assets 21 IX. Explanations on Offsetting Financial Instruments 24 X. Explanations on Sales and Repurchase Agreements (Repos) and Transactions on Securities Loaned 25 XI. Explanations on Assets Held For Sale, Assets of Discontinued Operations and Related Liabilities 25 XII. Explanations on Goodwill and Other Intangible Assets 25 XIII. Explanations on Tangible Assets 25 XIV. Explanations on Investment Properties 26 XV. Explanations on Leasing Transactions 26 XVI. Explanations on Provisions and Contingent Liabilities 27 XVII. Explanations on Employee Benefit Liabilities 28 XVIII. Explanations on Taxation 29 XIX. Additional Explanations on Borrowings 31 XX. Explanations on Shares Issued 31 XXI. Explanations on Bill Guarantees and Acceptances 32 XXII. Explanations on Government Incentives 32 XXIII. Explanations on Segment Reporting 32 XXIV. Explanations on Earnings Per Share 32 XXV. Explanations on Other Matters 32

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SECTION FOUR Information Related to Financial Position and Risk Management of the Group I. Explanations on Consolidated Equity 33 II. Explanations on Consolidated Currency Risk 39 III. Explanations on Consolidated Interest Rate Risk 41 IV. Explanations on Consolidated Position Risk of Shares 44 V. Explanations on Consolidated Liquidity Risk Management, Liquidity Coverage Ratio and Net Stable Funding Ratio 45 VI. Explanations on Consolidated Leverage Ratio 53 VII. Explanations Related to Consolidated Business Segmentation 55 VIII. Explanations on Consolidated Risk Management and Risk Weighted Amounts 58 SECTION FIVE Explanations and Notes Related to the Consolidated Financial Statements I. Explanations and Notes Related to the Assets 66 II. Explanations and Notes Related to the Liabilities 85 III. Explanations and Notes Related to the Off-Balance Sheet 91 IV. Explanations and Notes Related to the Consolidated Statement Of Profit Or Loss 92 V. Explanations Related to the Risk Group of the Parent Bank 97 VI. Explanation Related to the Subsequent Events 99 VII. Other Explanations 99 SECTION SIX Limited Review Report I. Explanations on Limited Review Report 101 II. Explanations and Notes Prepared by the Independent Auditor 101 SECTION SEVEN Interim Activity Report I. Interim Activity Report Included Chairman of the Board of Directors and CEO's Assesments for the Interim Activities 102

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 1 SECTION I: GENERAL INFORMATION ABOUT THE PARENT BANK I. HISTORY OF THE PARENT BANK INCLUDING FOUNDATION DATE, INITIAL LEGAL STATUS, AMENDMENTS TO LEGAL STATUS Türkiye Halk Bankası Anonim Şirketi (the “Parent Bank” or “Halkbank”) began its operations in accordance with the law no: 2284 in 1938 and still continues its activities as a public commercial bank. 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 DIRECTLY OR INDIRECTLY, CHANGES IN THESE MATTERS DURING THE YEAR (IF ANY) AND THE GROUP THE BANK BELONGS TO The capital of the Parent Bank is controlled directly by the Türkiye Varlık Fonu. As of 30 June 2026 the shareholders’ structure and their respective ownerships are summarized as follows: Shareholders 30 June 2026 % 31 December 2025 % Türkiye Varlık Fonu(1) 6.574 91,49 6.574 91,49 Public shares(1) 611 8,51 611 8,51 Other shareholders(2) - - - - Total 7.185 100,00 7.185 100,00 (1) The shares of the Türkiye Varlık Fonu amounting to TRY 5.935 have been included in Public shares. (2) The balance of the share included in the “Other Shareholders” group amounts to TRY 79.694 (full TRY) and is not traded on the stock exchange. In accordance with the Law No: 6327 dated 13 June 2012 and 3rd sub-article added to the Article 2 of the Law No: 4603, as per the Turkish Commercial Code, the Public shares will be controlled and represented by the Minister the Parent Bank is reporting to, until the sale procedures of the public shares are completed.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 3 SECTION I: GENERAL INFORMATION ABOUT THE PARENT BANK (continued) IV. EXPLANATION ON THE PARENT BANK'S QUALIFIED SHAREHOLDERS Except for the Türkiye Varlık Fonu, no person or institute has any qualified shares attributable to the Parent Bank. V. SUMMARY INFORMATION ON THE PARENT BANK'S SERVICE TYPE AND FIELDS OF OPERATION 1) General information about the Parent Bank: Türkiye Halk Bankası Anonim Şirketi began its operations in 1938 in accordance with the Law No: 2284 and still continues its activities as a public commercial bank. 2) Parent Bank’s restructuring process: Law numbered 4603 regarding the “Law on Türkiye Cumhuriyeti Ziraat B ankası, Türkiye Halk Bankası Anonim Şirketi and Türkiye Emlak Bankası Anonim Şirketi”, was prepared within the framework of the “Macro Economic Program” for the period 2000 -2002. The purpose of the law is to modernize the operations of the banks to arrive at a point where the requirements of the international norms and international competition can both be reached and it also aims to sell the majority of the banks’ shares to individuals or legal entities in the private sector. The Parent Bank revised its ch arter of establishment, elected a new board of directors and increased its nominal capital from TRY 250.000 to TRY 1.250.000 in the extraordinary general assembly held on 14 April 2001. Within the scope of the restructuring process, the Parent Bank received government bonds in settlement of the accumulated specific duty losses and the Parent Bank’s whole specific duty loss receivable was thus eliminated as at 30 April 2001. In addition, a significant number of personnel were encouraged to sign new contracts and transferred to other government institutions. According to Article 2.2 of Law No: 4603, subsequent to the completion of the restructuring procedures, the procedures involved in sale of the shares of the Parent Bank were to be concluded under the provisions of Law No: 4046 based on the “Regulation of Privatization Applications and Amendment of Some Laws and Decrees with the Force of Law”. The procedures relating to restructuring and sale of the shares were going to be completed within three years (until 25 November 2003) as of the effective date of the related law. However, by Law No: 5230 dated 31 July 2004, the term “ 3 years” in Article 2.2 of Law numbered 4603 was previously amended to “5 years” and subsequently by Law No: 5572 dated 10 January 2007 the related term was amended to “10 years”. As a result of these amendments, the privatization period of the Parent Bank was extended. The Council of Ministers has the authority to extend this period by the half of that period for one time only. The Council of Ministers extended the half of that “10 years” period as published in the Official Gazette by the Decree numbered 2010/964 and dated 6 November 2010. As per the Higher Council of Privatization decision numbered 2006/69 dated 11 August 2006, the public shares were transferred to the Privatization Administration and 99,9% of the Parent Bank shares were decided to be sold before 25 May 2008 using the block sale method. 13th Department of Council of State with its decision numbered 2006/4258 dated 29 Novem ber 2006 to cease the execution of the High Council of Privatization’s decision numbered 2006/69 dated 11 August 2006. Thereupon, as per the decision of the Higher Council of Privatization numbered 2007/8 dated 5 February 2007, up to 25% of the public shar es that were previously transferred to the Privatization Administration, were decided to be privatized by a public offering and it was decided to be concluded by the end of 2007. The first phase of the privatization process of the Bank corresponding to 24,98% was completed in the first week of May 2007 and Halkbank shares were started to trade on Borsa İstanbul AŞ as of 10 May 2007 with the base price of TRY full 8,00. As per the decision of the Higher Council of Privatization numbered 2012/150 dated 4 October 2012; 23,92% of the public shares held by the Privatization Administration were privatized by a second public offering and privatization was completed on 21 November 2012. Under No: 25539 Law regarding the “Act No: 5230 with regards to the transfer of Pamukbank Türk Anonim Şirketi to Türkiye Halk Bankası AŞ and amendments to other acts” which came into force as published in the Official Gazette numbered 25539 dated 31 July 2004, Pamukbank (whose shares, management, and control were previously inherited to the Saving Deposit Insurance Fund (“SDIF”)) was transferred to the Halkbank. Insolvent Pamukbank TAŞ was a private sector deposit bank established by Çukurova İthalat ve İhracat TAO, Karamehmetler limited partnership and more than five hundred sharehold ers. Pamukbank started its private banking operations as an incorporation in accordance with the decision of the Council of Ministers numbered 4/4573 dated 5 March 1955. According to the decision of the Banking Regulation and Supervision Agency numbered 742 published in the Official Gazette numbered 24790 dated 19 June 2002 including 3rd and 4th Sub- articles in the Article 14 of the Banking Law No: 4389, the shareholders rights, excluding dividends, management and supervision of Pamukbank were transferred t o the Saving Deposit Insurance Fund as of 18 June 2002.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 5 SECTION I: GENERAL INFORMATION ABOUT THE PARENT BANK (continued) VI. EXPLANATION ABOUT COMPANIES WITHIN THE SCOPE OF CONSOLIDATION (continued) Halkbank AD Beograd is a subsidiary of the Parent Bank as of 28 May 2015. Its main activities include commercial lending, accepting deposits, and retail banking services in the country and abroad. Halk Yatırım Menkul Değerler AŞ, was established in 1997 to carry out capital markets activities, to purchase and sell capi tal markets instruments, and to execute stock exchange transactions. Halk Yatırım became a subsidiary in early 2006 when Halkbank bought the shares of Türkiye Halk Bankası Personnel Provident Fund. Halk Varlık Kiralama AŞ was established on 3 October 2017 with the purpose of issuing “Lease Certificate” in accordance with the Capital Markets Board Law No. 6362, the CMB Communiqué and the related regulations of the CMB. Halk Elektronik Para ve Ödeme Hizmetleri AŞ obtained its license to operate as a payment s ervices and electronic money institution from the CBRT on 13 February 2024 in accordance with Law No. 6493. It operates with many digital products including physical and virtual POS, link payment, digital wallet and open banking. Halk Katılım Bankası AŞ wa s established on 22 September 2025, to contribute to the development of participation banking and economic growth in our country, and to serve all individual and corporate customers, primarily entrepreneurs and the SME segment. As of the current period, it has not yet started its operations. For the purposes of the consolidated financial statements, the Parent Bank and its consolidated subsidiaries are referred to as “the Group”. VII. DIFFERENCES BETWEEN THE COMMUNIQUE ON PREPARATION OF CONSOLIDATED FINANCIAL STATEMENTS OF BANKS AND TURKISH ACCOUNTING STANDARDS AND SHORT EXPLANATION ABOUT THE INSTITUTIONS SUBJECT TO LINE -BY-LINE METHOD OR PROPORTIONAL CONSOLIDATION AND INSTITUTIONS WHICH ARE DEDUCTED FROM EQUITY OR NOT INCLUDED IN THESE THREE METHODS According to the Communiqué on the Preparation of Consolidated Financial Statements of Banks, financial subsidiaries are included within the scope of consolidation; however, pursuant to Turkish Accounting Standards and Turkish Financial Report ing Standards, all subsidiaries,both financial and non -financial,must be included within the scope of consolidation. Within this context, in the financial statements prepared in accordance with the Communiqué, Halk Elektrik Üretim AŞ, one of the Bank’s sub sidiaries, and Bileşim Finansal Teknolojiler ve Ödeme Sistemleri AŞ, one of its associates, are not consolidated, as they do not fall within the scope of financial institutions. The Parent Bank’s subsidiaries Halk Yatırım Menkul Değerler AŞ, Halk Gayrimenkul Yatırım Ortaklığı AŞ, Halk Finansal Kiralama AŞ, Halk Banka AD Skopje and its subsidiary Halk Osiguruvanje AD Skopje, Halk Faktoring AŞ, Halkbank AD Beograd, Halk Katılım Bankası AŞ, Halk Varlık Kiralama AŞ and Halk Elektronik Para ve Ödeme Hizmetleri AŞ are included in the scope of consolidation by line-by-line method. DHB Bank NV, Kobi Girişim Sermayesi Yatırım Ortaklığı AŞ, Yıldız Tekno Girişim Sermayesi Yatırım Ortaklığı AŞ and Birleşim Varlık Yönetim AŞ which are classified as investments in associates, are included in the financial statements based on equity method of consolidation, KKB Kredi Kayıt Bürosu AŞ, Bileşim Finansal Teknolojiler ve Ödeme Sistemleri AŞ and JCR Avrasya Derecelendirme AŞ are not included in the consolidation. Associates are the domestic or foreign subsidiaries which the Bank participates to equity with significant influence but without controlling interest. VIII. CURRENT OR LIKELY ACTUAL OR LEGAL BARRIERS TO IMMEDIATE TRANSFER OF SHAREHOLDERS' EQUITY OR THE REPAYMENT OF DEBTS BETWEEN THE BANK AND ITS SUBSIDIARIES Immediate transfer of the equity between the Parent Bank and its subsidiaries is not in question. Dividend distribution from equity is made according to the related regulations. There are no current or likely actual or legal barriers to the repayment of debts between the Parent Bank and its subsidiaries. The Parent Bank collects or disburses the amounts related to the purchase or prestation of services with its subsidiaries within the scope of service contracts.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 6 SECTION II: CONSOLIDATED FINANCIAL STATEMENTS I. Consolidated Balance Sheet (Consolidated Statement of Financial Position) II. Consolidated Statement of Off-Balance Sheet III. Consolidated Statement of Profit or Loss IV. Consolidated Statement of Profit or Loss and Other Comprehensive Income V. Consolidated Statement of Changes in Shareholders’ Equity VI. Consolidated Statement of Cash Flows

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED BALANCE SHEET AS OF 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 7 I. CONSOLIDATED BALANCE SHEET (CONSOLIDATED STATEMENT OF FINANCIAL POSITION) Reviewed Audited Current Period Prior Period 30 June 2026 31 December 2025 CONSOLIDATED ASSETS Note TRY FC TOTAL TRY FC TOTAL I. FINANCIAL ASSETS (NET) 536.820 729.932 1.266.752 577.248 775.924 1.353.172 1.1 Cash and Cash Equivalents 380.680 469.884 850.564 434.043 497.280 931.323 1.1.1 Cash and Balances with Central Bank (1) 341.822 429.769 771.591 397.945 470.363 868.308 1.1.2 Banks (3) 38.377 37.179 75.556 36.300 26.928 63.228 1.1.3 Money Markets Placements 716 2.950 3.666 24 - 24 1.1.4 Expected Loss Provision (-) 235 14 249 226 11 237 1.2 Financial Assets at Fair Value Through Profit or Loss (2) 12.732 74.818 87.550 10.425 103.189 113.614 1.2.1 Government Debt Securities 27 74.245 74.272 19 102.616 102.635 1.2.2 Equity Instruments 127 37 164 121 35 156 1.2.3 Other Financial Assets 12.578 536 13.114 10.285 538 10.823 1.3 Financial Assets at Fair Value Through Other Comprehensive Income (4) 143.408 183.059 326.467 132.780 172.296 305.076 1.3.1 Government Debt Securities 143.182 181.229 324.411 132.613 170.558 303.171 1.3.2 Equity Instruments 226 1.830 2.056 167 1.738 1.905 1.3.3 Other Financial Assets - - - - - - 1.4 Derivative Financial Assets (2)(11) - 2.171 2.171 - 3.159 3.159 1.4.1 Derivative Financial Assets at Fair Value Through Profit or Loss - 2.171 2.171 - 3.159 3.159 1.4.2 Derivative Financial Assets at Fair Value Through Other Comprehensive Income - - - - - - II. FINANCIAL ASSETS MEASURED AT AMORTISED COST(Net) 2.381.997 944.622 3.326.619 2.056.039 804.095 2.860.134 2.1 Loans (5) 1.679.308 824.175 2.503.483 1.403.041 692.946 2.095.987 2.2 Lease Receivables (10) 10.664 12.274 22.938 9.929 10.417 20.346 2.3 Factoring Receivables 19.967 5.000 24.967 14.117 3.789 17.906 2.4 Other Financial Assets Measured at Amortised Cost (6) 751.115 105.909 857.024 694.821 99.511 794.332 2.4.1 Government Debt Securities 751.115 105.909 857.024 694.821 99.511 794.332 2.4.2 Other Financial Assets - - - - - - 2.5 Expected Credit Loss (-) 79.057 2.736 81.793 65.869 2.568 68.437 III. NON CURRENT ASSETS HELD FOR SALE AND DISCONTINUED OPERATIONS (NET) (14) - - - - - - 3.1 Held for Sale - - - - - - 3.2 Discontinued Operations - - - - - - IV. EQUITY INVESTMENTS 875 4.164 5.039 792 4.146 4.938 4.1 Investments in Associates (Net) (7) 724 4.164 4.888 651 4.146 4.797 4.1.1 Associates Valued Based on Equity Method 585 4.164 4.749 497 4.146 4.643 4.1.2 Unconsolidated Associates 139 - 139 154 - 154 4.2 Subsidiaries (Net) (8) 151 - 151 141 - 141 4.2.1 Unconsolidated Financial Subsidiaries - - - - - - 4.2.2 Unconsolidated Non- Financial Subsidiaries 151 - 151 141 - 141 4.3 Joint Ventures (Net) (9) - - - - - - 4.3.1 Joint Ventures Valued Based on Equity Method - - - - - - 4.3.2 Unconsolidated Joint Ventures - - - - - - V. TANGIBLE ASSETS (Net) 116.016 4.859 120.875 82.911 4.132 87.043 VI. INTANGIBLE ASSETS (Net) 7.610 1.200 8.810 4.598 1.136 5.734 6.1 Goodwill - - - - - - 6.2 Other 7.610 1.200 8.810 4.598 1.136 5.734 VII. INVESTMENT PROPERTIES (Net) (12) 50.567 37 50.604 49.684 47 49.731 VIII. CURRENT TAX ASSET - 157 157 - 103 103 IX. DEFERRED TAX ASSET (13) 20.546 22 20.568 19.358 22 19.380 X. OTHER ASSETS (Net) (15) 167.653 12.609 180.262 107.327 9.508 116.835 TOTAL ASSETS 3.282.084 1.697.602 4.979.686 2.897.957 1.599.113 4.497.070 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED BALANCE SHEET AS OF 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 8 I. CONSOLIDATED BALANCE SHEET (CONSOLIDATED STATEMENT OF FINANCIAL POSITION) Reviewed Audited Current Period Prior Period 30 June 2026 31 December 2025 CONSOLIDATED LIABILITIES Note TRY FC TOTAL TRY FC TOTAL I. DEPOSITS (1) 2.297.440 1.489.880 3.787.320 2.208.357 1.399.481 3.607.838 II. FUNDS BORROWED (3) 6.119 155.106 161.225 3.565 112.646 116.211 III. MONEY MARKET FUNDS 285.807 74.346 360.153 132.188 109.006 241.194 IV. SECURITIES ISSUED (Net) (4) 35.275 - 35.275 21.760 - 21.760 4.1 Bills 9.957 - 9.957 3.242 - 3.242 4.2 Assets Backed Securities 25.318 - 25.318 18.518 - 18.518 4.3 Bonds - - - - - - V. FUNDS 18 - 18 443 - 443 5.1 Borrower Funds - - - - - - 5.2 Other 18 - 18 443 - 443 VI. FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS - - - - - - VII. DERIVATIVE FINANCIAL LIABILITIES (2)(7) 2.403 15.047 17.450 - 2.778 2.778 7.1 Derivative Financial Liabilities at Fair Value Through Profit or Loss 2.403 15.047 17.450 - 2.778 2.778 7.2 Derivative Financial Liabilities at Fair Value Through Other Comprehensive Income - - - - - - VIII. FACTORING LIABILITIES 34 1 35 22 - 22 IX. LEASE LIABILITIES (6) 9.455 1.069 10.524 7.685 953 8.638 X. PROVISIONS (8) 18.437 1.440 19.877 14.025 1.469 15.494 10.1 Restructuring Provisions - - - - - - 10.2 Reserve for Employee Benefits 12.647 356 13.003 9.515 471 9.986 10.3 Insurance for Technical Provision (Net) - 977 977 - 853 853 10.4 Other Provisions 5.790 107 5.897 4.510 145 4.655 XI. CURRENT TAX LIABILITIES (9) 21.145 246 21.391 18.914 255 19.169 XII. DEFERRED TAX LIABILITIES (9) 12.817 31 12.848 9.186 42 9.228 XIII. NON CURRENT LIABILITIES HELD FOR SALE AND DISCONTINUED OPERATIONS (Net) (10) - - - - - - 13.1 Held for Sale - - - - - - 13.2 Discontinued Operations - - - - - - XIV. SUBORDINATED DEBT INSTRUMENTS (11) 61.679 56.678 118.357 50.404 42.955 93.359 14.1 Loans 17.297 - 17.297 17.109 - 17.109 14.2 Other Debt Instruments 44.382 56.678 101.060 33.295 42.955 76.250 XV. OTHER LIABILITIES (5) 170.597 16.218 186.815 122.685 15.306 137.991 XVI. SHAREHOLDERS’ EQUITY (12) 231.566 16.832 248.398 205.975 16.970 222.945 16.1 Paid-in Capital 7.185 - 7.185 7.185 - 7.185 16.2 Capital Reserves 44.521 - 44.521 44.521 - 44.521 16.2.1 Share Premium 44.505 - 44.505 44.505 - 44.505 16.2.2 Share Cancellation Profits - - - - - - 16.2.3 Other Capital Reserves 16 - 16 16 - 16 16.3 Accumulated Other Comprehensive Income or Loss Not Reclassified Through Profit or Loss 45.072 1.125 46.197 43.827 1.038 44.865 16.4 Accumulated Other Comprehensive Income or Loss Reclassified Through Profit or Loss (6.193) 8.607 2.414 (5.323) 10.104 4.781 16.5 Profit Reserves 101.598 5.534 107.132 81.057 3.576 84.633 16.5.1 Legal Reserves 7.575 5.177 12.752 6.098 3.219 9.317 16.5.2 Status Reserves - - - - - - 16.5.3 Extraordinary Reserves 93.976 357 94.333 74.912 357 75.269 16.5.4 Other Profit Reserves 47 - 47 47 - 47 16.6 Income or (Loss) 25.734 1.504 27.238 30.189 2.192 32.381 16.6.1 Prior Periods’ Income or (Loss) 9.278 231 9.509 5.097 153 5.250 16.6.2 Current Period Income or (Loss) 16.456 1.273 17.729 25.092 2.039 27.131 16.7 Minority Shares 13.649 62 13.711 4.519 60 4.579 TOTAL LIABILITIES 3.152.792 1.826.894 4.979.686 2.795.209 1.701.861 4.497.070 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED STATEMENT OF OFF-BALANCE SHEET ITEMS AS OF 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 9 II. CONSOLIDATED STATEMENT OF OFF BALANCE SHEET Reviewed Audited Current Period Prior Period 30 June 2026 31 December 2025 CONSOLIDATED OFF-BALANCE SHEET Note TRY FC TOTAL TRY FC TOTAL A. COMMITMENTS AND CONTINGENCIES (I+II+III) 1.775.187 1.227.206 3.002.393 1.486.233 922.958 2.409.191 I. GUARANTEES AND WARRANTIES (1) 900.840 486.149 1.386.989 785.286 419.264 1.204.550 1.1 Letters of Guarantee 739.538 397.775 1.137.313 655.675 364.719 1.020.394 1.1.1 Guarantees Subject to Public Procurement Law 30.571 62.213 92.784 29.086 47.971 77.057 1.1.2 Guarantees Given for Foreign Trade Operations 21 90.451 90.472 1.118 87.900 89.018 1.1.3 Other Letters of Guarantee 708.946 245.111 954.057 625.471 228.848 854.319 1.2 Bank Loans 95.627 6.233 101.860 73.467 5.080 78.547 1.2.1 Import Acceptances - 2.491 2.491 - 2.351 2.351 1.2.2 Other Bank Acceptances 95.627 3.742 99.369 73.467 2.729 76.196 1.3 Letters of Credit 735 82.011 82.746 597 49.370 49.967 1.3.1 Documentary Letters of Credit 735 81.710 82.445 597 49.370 49.967 1.3.2 Other Letters of Credit - 301 301 - - - 1.4 Guaranteed Refinancing - - - - - - 1.5 Endorsements - - - - - - 1.5.1 Endorsements to Central Bank of the Republic of Türkiye - - - - - - 1.5.2 Other Endorsements - - - - - - 1.6 Purchase Guarantees on Marketable Security Issuance - - - - - - 1.7 Factoring Guarantees - - - - - - 1.8 Other Guarantees 64.940 130 65.070 55.547 95 55.642 1.9 Other Sureties - - - - - - II. COMMITMENTS 691.198 193.302 884.500 560.690 105.795 666.485 2.1 Irrevocable Commitments (1) 661.556 116.561 778.117 535.711 42.887 578.598 2.1.1 Forward Asset Purchase Commitments 51.320 112.220 163.540 37.854 38.727 76.581 2.1.2 Forward Deposit Purchase and Sale Commitments - - - - - - 2.1.3 Capital Commitments to Subsidiaries and Associates - - - - - - 2.1.4 Loan Granting Commitments 36.658 384 37.042 30.331 343 30.674 2.1.5 Securities Underwriting Commitments - - - - - - 2.1.6 Payment Commitments for Reserve Deposits - - - - - - 2.1.7 Payment Commitments for Cheques (3) 48.882 - 48.882 38.797 - 38.797 2.1.8 Tax and Fund Liabilities from Export Commitments 1.534 - 1.534 1.343 - 1.343 2.1.9 Commitments for Credit Card Expenditure Limits 437.750 1.214 438.964 345.815 1.159 346.974 2.1.10 Commitments for Credit Cards and Banking Services Promotions 541 - 541 427 - 427 2.1.11 Receivables from Short Sale Commitments - - - - - - 2.1.12 Payables for Short Sale Commitments - - - - - - 2.1.13 Other Irrevocable Commitments 84.871 2.743 87.614 81.144 2.658 83.802 2.2 Revocable Commitments 29.642 76.741 106.383 24.979 62.908 87.887 2.2.1 Revocable Loan Granting Commitments - 32.965 32.965 - 27.674 27.674 2.2.2 Other Revocable Commitments 29.642 43.776 73.418 24.979 35.234 60.213 III. DERIVATIVE FINANCIAL INSTRUMENTS (2) 183.149 547.755 730.904 140.257 397.899 538.156 3.1 Derivative Financial Instruments Held for Risk Management - - - - - - 3.1.1 Fair Value Risk Hedging Transactions - - - - - - 3.1.2 Cash Flow Risk Hedging Transactions - - - - - - 3.1.3 Net Foreign Investment Risk Hedging Transactions - - - - - - 3.2 Transactions for Trading 183.149 547.755 730.904 140.257 397.899 538.156 3.2.1 Forward Foreign Currency Buy/Sell Transactions 41.930 97.954 139.884 29.692 79.884 109.576 3.2.1.1 Forward Foreign Currency Transactions-Buy 20.699 48.699 69.398 14.192 38.083 52.275 3.2.1.2 Forward Foreign Currency Transactions-Sell 21.231 49.255 70.486 15.500 41.801 57.301 3.2.2 Currency and Interest Rate Swaps 124.155 291.692 415.847 105.760 246.316 352.076 3.2.2.1 Currency Swap-Buy - 106.418 106.418 - 119.008 119.008 3.2.2.2 Currency Swap-Sell 124.155 132.598 256.753 105.760 76.282 182.042 3.2.2.3 Interest Rate Swap-Buy - 26.338 26.338 - 25.513 25.513 3.2.2.4 Interest Rate Swap-Sell - 26.338 26.338 - 25.513 25.513 3.2.3 Currency, Interest Rate and Marketable Securities Options 17.064 18.801 35.865 4.805 5.284 10.089 3.2.3.1 Currency Call Options 8.542 9.392 17.934 2.403 2.642 5.045 3.2.3.2 Currency Put Options 8.522 9.409 17.931 2.402 2.642 5.044 3.2.3.3 Interest Rate Call Options - - - - - - 3.2.3.4 Interest Rate Put Options - - - - - - 3.2.3.5 Marketable Securities Call Options - - - - - - 3.2.3.6 Marketable Securities Put Options - - - - - - 3.2.4 Currency Futures - - - - - - 3.2.4.1 Currency Futures-Buy - - - - - - 3.2.4.2 Currency Futures-Sell - - - - - - 3.2.5 Interest Rate Buy/Sell Futures - - - - - - 3.2.5.1 Interest Rate Futures-Buy - - - - - - 3.2.5.2 Interest Rate Futures-Sell - - - - - - 3.2.6 Other - 139.308 139.308 - 66.415 66.415 B. CUSTODY AND PLEDGED ASSETS (IV+V+VI) 19.263.515 4.071.881 23.335.396 14.981.882 3.541.976 18.523.858 IV. CUSTODIES 9.887.159 1.211.661 11.098.820 7.364.643 1.063.135 8.427.778 4.1 Assets under Management - - - - - - 4.2 Custody Marketable Securities 809.903 220.802 1.030.705 675.013 179.303 854.316 4.3 Cheques in Collection Process 317.299 758.505 1.075.804 274.646 648.339 922.985 4.4 Commercial Notes in Collection Process 8.298.278 65.453 8.363.731 5.982.822 61.282 6.044.104 4.5 Other Assets in Collection Process - - - - - - 4.6 Underwritten Securities - - - - - - 4.7 Other Custodies 8.606 2.275 10.881 7.829 1.782 9.611 4.8 Custodians 453.073 164.626 617.699 424.333 172.429 596.762 V. PLEDGED ASSETS 9.376.356 2.860.220 12.236.576 7.617.239 2.478.841 10.096.080 5.1 Marketable Securities 62.387 5.901 68.288 41.725 5.472 47.197 5.2 Collateral Notes 96.951 13.065 110.016 85.677 12.050 97.727 5.3 Commodity 26 - 26 26 - 26 5.4 Warranty - - - - - - 5.5 Land and Buildings 8.517.837 2.089.792 10.607.629 6.863.434 1.787.028 8.650.462 5.6 Other Pledged Assets 643.044 582.016 1.225.060 573.896 508.725 1.082.621 5.7 Pledges 56.111 169.446 225.557 52.481 165.566 218.047 VI. ACCEPTED BILL GUARANTEES AND SURETIES - - - - - - TOTAL OFF-BALANCE SHEET ACCOUNTS (A+B) 21.038.702 5.299.087 26.337.789 16.468.115 4.464.934 20.933.049 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED STATEMENT OF PROFIT OR LOSS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 10 III. CONSOLIDATED STATEMENT OF PROFIT OR LOSS Reviewed Reviewed Reviewed Reviewed Current Period Prior Period Current Period Prior Period INCOME AND EXPENSES Note 1 January -30 June 2026 1 January -30 June 2025 1 April -30 June 2026 1 April -30 June 2025 I. INTEREST INCOME (1) 527.589 436.849 278.986 237.449 1.1 Interest on Loans 322.573 247.719 166.257 127.878 1.2 Interest on Reserve Requirements 43.138 38.196 22.635 20.741 1.3 Interest on Banks 7.822 4.301 3.844 2.422 1.4 Interest on Money Market Transactions 2.262 1.036 351 249 1.5 Interest on Marketable Securities 144.324 140.415 81.930 83.730 1.5.1 Fair Value Through Profit or Loss 1.323 1.197 584 741 1.5.2 Fair Value Through Other Comprehensive Income 26.809 24.405 14.106 13.423 1.5.3 Measured at Amortized Cost 116.192 114.813 67.240 69.566 1.6 Financial Lease Interest Income 2.531 2.238 1.294 929 1.7 Other Interest Income 4.939 2.944 2.675 1.500 II. INTEREST EXPENSE (-) (2) 446.250 395.395 235.785 213.842 2.1 Interest on Deposits 375.318 336.093 196.416 180.937 2.2 Interest on Funds Borrowed 8.654 10.177 4.616 5.174 2.3 Interest Expense on Money Market Transactions 46.316 35.141 27.218 21.700 2.4 Interest on Securities Issued 10.572 9.124 5.650 4.605 2.5 Interest on Leases 1.465 741 758 431 2.6 Other Interest Expenses 3.925 4.119 1.127 995 III. NET INTEREST INCOME (I - II) 81.339 41.454 43.201 23.607 IV. NET FEES AND COMMISSIONS INCOME 36.108 27.662 19.043 14.394 4.1 Fees and Commissions Received 54.281 39.296 28.519 20.884 4.1.1 Non – cash Loans 7.985 5.641 4.080 2.823 4.1.2 Other (11) 46.296 33.655 24.439 18.061 4.2 Fees and Commissions Paid (-) 18.173 11.634 9.476 6.490 4.2.1 Non – cash Loans 58 36 25 19 4.2.2 Other (11) 18.115 11.598 9.451 6.471 V. DIVIDEND INCOME 73 49 70 48 VI. TRADING INCOME / LOSS (Net) (3) (16.334) (6.517) (9.250) (3.764) 6.1 Trading Gains / (Losses) on Securities (1.819) (806) 808 (367) 6.2 Gains / (Losses) on Derivate Financial Transactions (26.218) 4.689 (22.334) 1.157 6.3 Foreign Exchange Gains / (Losses) 11.703 (10.400) 12.276 (4.554) VII. OTHER OPERATING INCOME (4) 23.611 16.715 9.221 7.991 VIII. GROSS OPERATING INCOME (III+IV+V+VI+VII+VIII) 124.797 79.363 62.285 42.276 IX. EXPECTED LOSS PROVISIONS EXPENSES (-) (5) 22.467 13.824 11.749 7.685 X. OTHER PROVISION EXPENSES (-) (5) 27 207 11 (38) XI. PERSONNEL EXPENSES (-) 35.864 23.984 20.323 12.899 XII. OTHER OPERATING EXPENSES (-) (6) 44.998 28.523 24.041 15.133 XIII. NET OPERATING INCOME /LOSS (IX-X-XI) 21.441 12.825 6.161 6.597 XIV. INCOME AFTER MERGER - - - - XV. INCOME /( LOSS ) FROM INVESTMENTS IN SUBSIDIARIES CONSOLIDATED BASED ON EQUITY METHOD 260 195 124 75 XVI. INCOME / (LOSS) ON NET MONETARY POSITION - - - - XVII. PROFIT / LOSS BEFORE TAX FROM CONTINUED OPERATIONS (XIII+...+XVI) (7) 21.701 13.020 6.285 6.672 XVIII. TAX PROVISIONS FOR CONTINUED OPERATIONS (±) (8) (3.089) 788 2.381 (127) 18.1 Current Tax Provision 2.565 1.252 1.467 438 18.2 Deferred Tax Income Effect (+) 7.632 12.043 263 5.729 18.3 Deferred Tax Expense Effect (-) 7.108 14.083 4.111 6.040 XIX. CURRENT PERIOD PROFIT / LOSS FROM CONTINUED OPERATIONS (XVII±XVIII) (9) 18.612 13.808 8.666 6.545 XX. INCOME FROM DISCONTUNIUED 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. TAX PROVISION FOR DISCONTINUED OPERATIONS (±) - - - - 23.1 Current Tax Provision - - - - 23.2 Deferred Tax Expense Effect (+) - - - - 23.3 Deferred Tax Income Effect (-) - - - - XXIV. CURRENT PERIOD PROFIT/LOSS FROM DISCONTINUED OPERATIONS (XXII±XXIII) - - - - XXV. NET PROFIT/(LOSS) (XIX+XXIV) (10) 18.612 13.808 8.666 6.545 25.1 Profit / (Loss) of Group 17.729 12.658 8.223 6.253 25.2 Profit / (Loss) of Minority Shares (-) 883 1.150 443 292 Profit / (Loss) Per Share (full TRY) (*) 2,468 1,762 1,144 0,870 (*) Represents profit/(loss) per share attributable to each share with a nominal value of TRY 1. The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in thousand Turkish Lira (TRY) unless otherwise stated.) 11 IV. CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME Reviewed Reviewed Current Period Prior Period 1 January -30 June 2026 1 January -30 June 2025 I. CURRENT PERIOD INCOME/LOSS 18.612 13.808 II. OTHER COMPREHENSIVE INCOME 7.668 8.041 2.1 Not Reclassified Through Profit or Loss 10.037 6.396 2.1.1 Revaluation Increase/Decrease of Tangible Assets 12.512 7.897 2.1.2 Revaluation Increase/Decrease of Intangible Assets - - 2.1.3 Defined Benefit Pension Plan Remeasurement Gain/Loss - - 2.1.4 Other Comprehensive Income Items Not Reclassified Through Profit or Loss 554 - 2.1.5 Tax on Other Comprehensive Income Items Not Reclassified Through Profit or Loss (3.029) (1.501) 2.2 Reclassified Through Profit or Loss (2.369) 1.645 2.2.1 Foreign Currency Translation Differences 695 2.217 2.2.2 Valuation and/or Reclassification Income/Expense of the Financial Assets at Fair Value through Other Comprehensive Income (3.024) (831) 2.2.3 Cash Flow Hedge Income/Loss - - 2.2.4 Foreign Net Investment Hedge Income/Loss (1.162) - 2.2.5 Other Comprehensive Income Items Reclassified Through Profit or Loss - - 2.2.6 Tax on Other Comprehensive Income Items Reclassified Through Profit or Loss 1.122 259 III. TOTAL COMPREHENSIVE INCOME (I+II) 26.280 21.849 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 12 V. CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY Paid in Capital Share Premiums Share Cancellation Profits Other Capital Reserves Accumulated Other Comprehensive Income or Expense Not Reclassified through Profit or Loss Accumulated Other Comprehensive Income or Expense Reclassified through Profit or Loss Reviewed (1 January -30 June 2025) Accumulated Revaluation Increase/Decrease of Fixed Assets Accumulated Remeasurement Gain/Loss of Defined Benefit Pension Plan Other(Shares of 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, 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 Through Other Profit or Loss) Profit Reserves Prior Period Profit or (Loss) Current Period Profit or (Loss) Total Equity Except Minority Shares Minority Shares Total Equity I. Balances at Beginning of Period 7.185 44.505 - 1.737 28.307 (2.410) 233 3.142 (5.353) - 57.756 9.418 22.038 166.558 3.378 169.936 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) 7.185 44.505 - 1.737 28.307 (2.410) 233 3.142 (5.353) - 57.756 9.418 22.038 166.558 3.378 169.936 IV. Total Comprehensive Income - - - - 6.396 - - 2.217 (572) - - - 12.658 20.699 1.150 21.849 V. Capital Increase by Cash - - - - - - - - - - - - - - - - VI. Capital Increase by Internal Sources - - - - - - - - - - - - - - - - VII. Paid in Capital Inflation Adjustment Difference - - - - - - - - - - - - - - - - VIII. Convertible Bonds to Share - - - - - - - - - - - - - - - - IX. Subordinated Debt Instruments - - - - - - - - - - - - - - - - X. Increase / Decrease by Other Changes - - - (31) - - - - - - - 22.950 (22.038) 881 (596) 285 XI. Profit Distribution - - - - - - - - - - 26.877 (26.880) - (3) 3 - 11.1 Dividends Paid - - - - - - - - - - - (3) - (3) 3 - 11.2 Transfers to Reserves - - - - - - - - - - 26.877 (26.877) - - - - 11.3 Other - - - - - - - - - - - - - - - - Period End Balance (III+IV+…...+X+XI) 7.185 44.505 - 1.706 34.703 (2.410) 233 5.359 (5.925) - 84.633 5.488 12.658 188.135 3.935 192.070 Reviewed (1 January -30 June 2026) I. Prior Period End Balance 7.185 44.505 - 16 45.630 (2.082) 1.317 23.214 (2.716) (15.717) 84.633 5.250 27.131 218.366 4.579 222.945 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) 7.185 44.505 - 16 45.630 (2.082) 1.317 23.214 (2.716) (15.717) 84.633 5.250 27.131 218.366 4.579 222.945 IV. Total Comprehensive Income - - - - 778 - 554 697 (1.902) (1.162) - - 17.729 16.694 9.586 26.280 V. Capital Increase by Cash - - - - - - - - - - - - - - - - VI. Capital Increase by Internal Sources - - - - - - - - - - - - - - - - VII. Paid in Capital Inflation Adjustment Difference - - - - - - - - - - - - - - - - VIII. Convertible Bonds to Share - - - - - - - - - - - - - - - - IX. Subordinated Debt Instruments - - - - - - - - - - - - - - - - X. Increase / Decrease by Other Changes - - - - - - - - - - - 27.215 (27.131) 84 (911) (827) XI. Profit Distribution - - - - - - - - - - 22.499 (22.956) - (457) 457 - 11.1 Dividends Paid - - - - - - - - - - - (457) - (457) 457 - 11.2 Transfers to Reserves - - - - - - - - - - 22.499 (22.499) - - - - 11.3 Other - - - - - - - - - - - - - - - - Period End Balance (III+IV+…...+X+XI) 7.185 44.505 - 16 46.408 (2.082) 1.871 23.911 (4.618) (16.879) 107.132 9.509 17.729 234.687 13.711 248.398 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ CONSOLIDATED STATEMENT OF CASH FLOW FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 13 VI. CONSOLIDATED STATEMENT OF CASH FLOW Reviewed Reviewed Current Period Prior Period Note 1 January -30 June 2026 1 January -30 June 2025 A. CASH FLOWS FROM BANKING OPERATIONS 1.1 Operating Profit Before Changes in Operating Assets and Liabilities 31.469 (730) 1.1.1 Interest Received 456.374 364.291 1.1.2 Interest Paid (438.865) (392.069) 1.1.3 Dividend Received 73 49 1.1.4 Fees and Commissions Received 53.820 38.661 1.1.5 Other Income 12.895 14.969 1.1.6 Collections from Previously Written off Receivables 6.824 4.937 1.1.7 Cash Payments to Personnel and Service Suppliers (35.995) (24.077) 1.1.8 Taxes Paid (7.133) (5.779) 1.1.9 Other (16.524) (1.712) 1.2 Changes in Assets and Liabilities Subject to Banking Operations (117.651) 127.557 1.2.1 Net (Increase)/Decrease in Financial Assets at Fair Value Through Profit or Loss 22.848 (3.346) 1.2.2 Net (Increase)/Decrease in Due From Banks (105) (180) 1.2.3 Net (Increase)/Decrease in Loans (345.093) (155.872) 1.2.4 Net (Increase)/Decrease in Other Assets (76.666) (163.645) 1.2.5 Net Increase/(Decrease) in Bank Deposits (81.894) 90.424 1.2.6 Net Increase/(Decrease) in Other Deposits 161.973 338.121 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 35.869 20.662 1.2.9 Net Increase/(Decrease) in Matured Payables - - 1.2.10 Net Increase/(Decrease) in Other Liabilities 165.417 1.393 I. Net Cash Provided from Banking Operations (86.182) 126.827 B. CASH FLOWS FROM INVESTMENT ACTIVITIES II. Net Cash Provided from/(used in) Investing Activities (48.642) (137.379) 2.1 Cash Paid for Purchase of Joint Ventures, Associates and Subsidiaries - (100) 2.2 Cash Obtained From Sale of Entities Joint Ventures, Associates and Subsidiaries - - 2.3 Fixed Assets Purchases (10.887) (14.537) 2.4 Fixed Assets Sales 2.053 1.644 2.5 Cash Paid for Purchase of Financial Assets at Fair Value Through Other Comprehensive Income (166.999) (84.935) 2.6 Cash Obtained from Sale of Financial Assets at Fair Value Through Other Comprehensive Income 145.279 27.317 2.7 Cash Paid for Purchase of Investment Securities (31.884) (71.919) 2.8 Cash Obtained from Sale of Investment Securities 17.797 7.369 2.9 Other (4.001) (2.218) C. CASH FLOWS FROM FINANCING ACTIVITIES III. Net Cash Flow from Financing Activities 33.050 28.604 3.1 Cash Obtained from Loans Borrowed and Securities Issued 34.858 30.040 3.2 Cash Used for Repayment of Loans Borrowed and Securities İssued - (1.240) 3.3 Bonds Issued - - 3.4 Dividends Paid (457) - 3.5 Payments for Leases (1.351) (196) 3.6 Other - - IV. Effect of Change in Foreign Exchange Rate on Cash and Cash Equivalents 18.763 24.806 V. Net Increase/(Decrease) in Cash and Cash Equivalents (83.011) 42.858 VI. Cash and Cash Equivalents at Beginning of the Period 521.201 413.713 VII. Cash and Cash Equivalents at End of the Period 438.190 456.571 The accompanying notes are an integral part of these consolidated financial statements.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 14 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES I. EXPLANATIONS ON BASIS OF PRESENTATION The Parent Bank prepares its consolidated financial statements in accordance with the BRSA Accounting and Reporting Regulation” which includes 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 accounting records of banks published by the Banking Regulation and Supervision Board (“BRSA”) and circulars and pronouncements published by the BRSA and Turkish Financial Reporting Stand ards published by the Public Oversight Accounting and Auditing Standards Authority (“POA”) for the matters not regulated by the aforementioned legislations. The consolidated financial statements are prepared in accordance with the historical cost basis except for financial assets and liabilities measured at fair value through profit/loss, financial assets measured at fair value through other comprehensive income and real estates. Amounts expressed in million Turkish Lira (“TRY”) unless otherwise stated. Accounting policies and valuation principles used in the preparation of financial statements, have been determined and implemented in accordance with accounting and financial reporting principles in scope of the regulations, communiqués, explanations and circulars issued by the BRSA and for the matters not legislated by the aforementioned regulations, in accordance with TAS / TFRS principles (all together referred to as “BRSA Accounting and Financial Reporting Regulations”) issued by the 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 afte r 31 December 2023 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 transition dates for the applying of TAS 29. It has been stated that the BRSA resolved, through Board Decisions numbered 10744 dated 12 December 2023; 10825 dated 11 January 2024; 11021 dated 5 December 2024; and most recently 11340 dated 18 December 2025, that banks as well as financial leasing, factoring, financing, savings financing, and asset management companies shall not apply inflation accounting within the scope of TAS 29. Therefore, inflation adjustment according to TAS 29 is not applied in the financial state ments as of 30 June 2026. Additional Paragraph for English Translation BRSA Accounting and Reporting Regulations explained in detail in this Section differ from International Financial Reporting Standards (“IFRS”) issued by the International Accounting Standards Board with respect to the application of inflation accounting. Accordingly, the accompanying consolidated 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. a) The Group’s strategy on financial instruments: Due to its historical mission, the Parent Bank focuses on granting loans to Small and Medium Size Enterprises and craftsmen besides corporate, commercial and individual segmen ted customers. In addition to the main fund source deposits, the Group can raise funds from money markets and borrowings abroad. The Group follows the developments in the markets and uses funds raised in most yielding areas. The strategies of the Parent Bank are evaluated Asset and Liability Committee meetings. b) The Group’s explanations on foreign currency transactions: In the statutory records of the Parent Bank, transactions accounted in foreign currencies (currencies except for TRY) are converted into TRY by using the prevailing exchange rates at the transaction dates. Foreign currency monetary asset and liability items are converted into TRY by using the prevailing exchange rate at the balance sheet date. Non-monetary items in foreign currencies carried at fair value are converted into TRY by using the exchange rates at the date of which the fair value is determined. Exchange differences arising from the conversions of monetary foreign currency items and collections of foreign currency transactions are reflected to the profit or loss statement.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 15 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) II. EXPLANATIONS ON THE STRATEGY FOR USE OF FINANCIAL INSTRUMENTS AND FOREIGN CURRENCY TRANSACTIONS b) The Group’s explanations on foreign currency transactions: (continued) The financial statements of the foreign branches and subsidiaries of the Parent Bank are prepared in the currency of t he primary economic environment in which the entity operates (functional currency). The financial statements of foreign branches and subsidiaries are expressed in TRY which is the functional currency of the Group and the presentation currency of the financial statements. Assets and liabilities of the foreign branches and subsidiaries of the Parent Bank are converted into TRY by using the prevailing exchange rates at the balance sheet date. The foreign branches’ income and expenses are converted by at exchange rates at the dates of the transactions. The foreign subsidiaries’ income and expenses are converted by average rate of the exchange of the current year. The Group applies net investment hedging to protect against currency risk arising from Halkbank AD Beograd (subsidiary), Halk Banka AD Skopje (subsidiary), and DHB Bank NV (affiliate) located abroad. Within this scope, the Group designates its investments in subsidiaries as items subject to hedge accounting and applies net investment hedge accounting by using Euro-denominated deposits as hedging instruments. The change in value of the hedging instrument arising from exchange rate fluctuations, which arose during the current period and was determined to be effective, is presented under the heading “Accum ulated Other Comprehensive Income or Expense to be Reclassified to Profit or Loss” under Equity. There is no ineffective portion of the hedging transaction. III. INFORMATION ABOUT THE CONSOLIDATED ASSOCIATES AND SUBSIDIARIES 1. Basis of consolidation: The accompanying consolidated financial statements are prepared in accordance with the communiqué on “Preparation of Consolidated Financial Statements of Banks” and the Turkish Accounting Standards are applied in the consolidation. a) Basis of consolidation of subsidiaries: The Parent Bank’s subsidiaries Halk Yatırım Menkul Değerler AŞ, Halk Gayrimenkul Yatırım Ortaklığı AŞ, Halk Finansal Kiralama AŞ, Halk Faktoring AŞ; Halk Banka AD, Skopje, Halkbank Osiguruvanje AD; Skopje (subsidiary), Halkbank AD Beograd, Halk Katılım Bankası AŞ, Halk Varlık Kiralama AŞ and Halk Elektronik Para ve Ödeme Hizmetleri AŞ are included in the scope of consolidation. Subsidiaries are entities that are controlled by the Parent Bank. Control is the power of t he Parent Bank to appoint or remove from office the decision-taking majority of members of board of directors through direct or indirect possession of the majority of a legal person’s capital irrespective of the requirement of owning minimum fifty-one per cent of its capital; or by having control over the majority of the voting right as a consequence of holding preferred shares or of agreements with other shareholders although not owning the majority of capital. Under line -by-line method, the assets, liabil ities, income and expenses and off -balance sheet items of subsidiaries are combined with the equivalent items of the Parent Bank on a line-by-line basis. The book value of the Parent Bank’s investment in each subsidiary and the Group’s each subsidiary are eliminated. All significant transactions and balances between the Parent Bank and its consolidated subsidiaries are eliminated. Minority interests in the net income and in the equity of consolidated subsidiaries are calculated separately from the Group’s net income and the Group’s equity. Minority interests are identified separately in the balance sheet and in the income statement. In preparing the consolidated financial statements, if a subsidiary uses accounting policies other than those adapted by the Parent Bank, appropriate adjustments are made to subsidiaries’ financial statements. There is no item that a different accounting policy is applied.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 16 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) III. INFORMATION ABOUT THE CONSOLIDATED ASSOCIATES AND SUBSIDIARIES (continued) 1. Basis of consolidation: (continued) b) Basis of consolidation of associates: The Parent Bank’s investments in associates, DHB Bank NV, Kobi Girişim Sermayesi Yatırım Ortaklığı AŞ, Yıldız Tekno Girişim Sermayesi Yatırım Ortaklığı AŞ and Birleşim Varlık Yönetim AŞ are presented in the accompanying financial statements based on the equity method of consolidation. An associate is an entity established domestically and abroad in which the Parent Bank invests with a significant influence but no control. Significant influence is the power to participate in the financial and operating policy of the investee. If the Parent Bank holds ten percent or more of the voting power of the associate, it is presumed that the Parent Bank has significant influence unless otherwise demonstrated. A substantial or majority ownership by another investor does not necessarily preclude an investor from having significant influence. Equity accounting method is an evaluation me thod of associates by which the Parent Bank’s share in the associates’ equity is compared with the book value of the associate accounted for in the Parent Bank’s balance sheet. Accounting principles used by the consolidated associates accounted for at equ ity method, DHB Bank NV, Kobi Girişim Sermayesi AŞ, Yıldız Tekno Girişim Sermayesi Yatırım Ortaklığı AŞ and Birleşim Varlık Yönetim AŞ are the same of the Parent Bank. c) Basis of consolidation of joint ventures: The Parent Bank does not have any joint ventures which subject to consolidation. d) Principles applied during share transfer, merger and acquisition: Accounting for business combinations From 1 January 2010, the Group applies TFRS 3 Business Combinations (2008) in accounting for business combinations. Business combinations are accounted for using the acquisition method as at the acquisition date, which is the date on which control is transferred to the Group. Control is the power to govern the financial and operating policies of an entity so as to obtain benefits from its activities. In assessing control, the Group takes into consideration potential voting rights that currently are exercisable. Acquisitions after 1 January 2010 Goodwill at the acquisition date for business combinations on or after 1 January 2010 are measured as below: • The fair value of the acquisition cost; plus • The recognized amount of any non -controlling interest in the acquiree; plus if the business combination is achieved in stages, the fair value of the existing equity interest in the acquiree; less • The net recognized amount (generally fair value) of the identifiable assets acquired and liabilities assumed. When this total is negative, the gain on acquisition is recognized immediately in profit or loss. Fair values of the identifiable acquired assets, liabilities and contingent liabilities if the initial recognition of the combination is to be made temporarily at the end of the period in which the combination takes place since the cost of the combination can be determined only temporarily on the basis of the carrying values, the acquirer accounts for the business combination on with temporary amounts. The temporary acquisition value of the combination should be adjusted within 12 months to reflect the completion of t he transaction, including adjusting the goodwill.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 17 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) III. INFORMATION ABOUT THE CONSOLIDATED ASSOCIATES AND SUBSIDIARIES (continued) 1. Basis of consolidation: (continued) d) Principles applied during share transfer, merger and acquisition: (continued) The acquisition cost does not include amounts related to the settlement of pre -existing relationships. Such amounts are generally recognized in profit or loss. Costs related to the acquisition, other than those associated with the issue of debt or equity securities, that the Group incurs in connection with a business combination are expensed as incurred. Any contingent liability is recognized at fair value at the acquisition date. If the contingent amount is classified as equity, it is not remeasured and settlement is accounted for within equity. Otherwise, subsequent changes to the fair value of the contingent amount are recognized in profit or loss. For acquisitions before 1 January 2010, goodwill represents the excess of the cost of the acquisition over the Group’s interest in the recognized amount (generally fair value) of the identifiable assets, liabilities and contingent liabilities of the acquiree. When the excess is negative, t he gain on acquisition is recognized immediately in profit or loss. Transaction costs, other than those associated with the issue of debt or equity securities, that the Group incurred in connection with business combinations are capitalized as part of the cost of the acquisitions. IV. EXPLANATIONS ON FORWARD AND OPTION CONTRACTS AND DERIVATIVE INSTRUMENTS Derivative transactions of the Group consist of foreign currency and interest rate swaps, options and forwards. The Group uses derivative instruments for economic hedging purposes and recognises them in accordance with the provisions of TFRS 9. Pledges arising from derivative transactions recorded in off -balance sheet accounts with their agreement amounts. Derivative transactions are valued at their fair values and the changes in their fair values are recorded on balance sheet under “Derivative Financial Assets” or “Derivative Financial Liabilities”, respectively depending on the fair values being positive or negative. Fair value changes of d erivative instruments are recorded under “Statement of Profit or Loss” in the “Gains and Losses on Derivative Financial Transactions” line. Fair values of derivatives are calculated using discounted cash flow model or market value. V. EXPLANATIONS ON INTEREST INCOME AND EXPENSES Interest income and expenses are recognized on an accrual basis using the effective interest method (the rate that equals the future cash flows of a financial asset or liability to its present net book value) in conformity. The Pare nt Bank, within the scope of TFRS 9 Financial Instruments, recognizes interest income on non - performing loans that have been classified as credit impaired (Stage 3), by applying the effective interest method based on the net carrying amount of related loan s. Within this context, the accounting principles and practices related to recognizing interest income on non -performing loans were reviewed within the third quarter of 2025 and adjustments were made in the related period. Based on the performed assessment , it was concluded that the non -recognition of interest income from non - performing loans in prior periods, did not have a material impact on the financial statements of the previous period. Therefore, no adjustments have been made to the prior period financial statements. VI. EXPLANATIONS ON FEE AND COMMISSION INCOME AND EXPENSES Some of the banking service incomes are recorded as income in the period they are collected. Prepaid fees and commission income obtained from cash and non -cash loans are recorded i n the related period by using discounting method with internal rate of return according to the loan maturity within the matching principle. Fee and commission expenses on borrowings that are paid to other institutions and incorporations for financial liabilities comprise operational costs. These fee and commission expenses are booked under prepaid expenses and transferred to expense accounts in the related periods by using the accrual method according to the financial borrowing maturity within the matching principle.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 18 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VII. EXPLANATIONS ON FINANCIAL ASSETS Financial instruments comprise financial assets, financial liabilities and derivative instruments. The financial assets are included in the balance sheet of the Group, if the Group is a legal party of these financial assets. The regular-way purchases or sales of financial instruments are recognized or derecognized in the financial statements using one of the recognition methods; on the trade date or the settlement date. Securities purchase and sale transactions are recognized on the settlement date. Financial assets mainly constitute the majority of the commercial activities and operations of the Group. These instruments have the ability to ex pose, affect and diminish the risks of liquidity, credit and interest in the financial statements. Fair value is the amount for which an asset could be exchanged or a liability could be settled, between knowledgeable willing parties in an arm’s length transaction. Market value is the amount obtainable from the sale or payable on the acquisition of a financial instrument in an active market, if one exists. The estimated fair values of financial assets have been determined by the Group using the available mar ket information and appropriate valuation methodologies. However, judgment is necessarily required to interpret market data to develop the estimated fair value. Hence, estimations presented in this report may not be same with the prices in the current market conditions in the case of assets disposals. Book values of some financial assets (which equals to their costs) are assumed to approximate to their fair values due to their short term nature. Classification of the category of a financial instrument at in itial recognition depends on both the business model for managing the financial assets and their contractual cash flow characteristics. Assessment of Business Model The Group classifies its financial assets in accordance with TFRS 9 through its business model which is used for financial assets management. The Group’s business model is related to how the Group manages its financial assets to generate cash flows. In other terms, the source of cash flows depends on the Group’s business model whether the cash f low is generated from contractual terms or through sale of financial asset or both. Classification of financial assets is made at initial recognition considering the aim of purchase of the financial asset. The Group’s business models are classified in three main categories in accordance with TFRS 9. 1. A Business Model Whose Objective İs To Hold To Collect Contractual Cash Flows: A business model whose objective is to hold to collect contractual cash flows are managed to realise cash flows by collecting contractual payments over the life of the instrument. The purpose of the business model does not require to hold to collect the contractual cash flows of the instruments over their life, even the aim of the business model is to hold the instruments up to maturity for the contractual cash flows. Therefore, even when financial asset sales are anticipated or expected to occur in the future, the business model may still be a model that aims to retain financial assets in order to collect contractual cash flows. The financial assets that are held within the scope of this business model are measured at amortized cost when the contractual terms of the financial assets meet the condition of giving rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. 2. A Business Model Whose Objective İs Achieved By Both Collecting Contractual Cash Flows And Selling Financial Assets: The Group may hold financial assets in a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. Fair value changes of the financial assets that are held within the scope of this business model are accounted for under other comprehensive income when the contractual terms of the financial asset meet the condition of giving rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 19 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VII. EXPLANATIONS ON FINANCIAL ASSETS (continued) 3. Other Business Models: Financial assets are measured at fair value through profit or loss if they are not held within a business model whose objective is to hold assets to collect contractual cash flows or within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. The Group makes its decisions on the basis of business model, which is based on the fair value of the assets and manages the assets to obtain their fair value. Therefore, if the financial assets are held for the purpose of obtaining cash flows arising from their sale, the change in fair value are measured at fair value through profit or loss. Measurement Categories of Financial Assets and Liabilities The Group classified all its financial assets based on the business model for managing the financial assets. Accordingly, the financial assets are classified as per TFRS 9 in three main categories listed below: 1. Financial assets measured at amortized cost, 2. Financial assets measured at fair value through other comprehensive income 3. Financial assets measured at fair value through profit/loss. TFRS 9, explains how financial assets are classified in accordance with above methods explained in Article 1 and 2 and other than these financial assets, remaining financial assets are classified in accordance with the method detailed in Article 3. a. Financial Assets Measured at Amortised Cost A financial asset is measured at amortized cost if both of the following conditions are met: a) Asset is held within a business model whose objective is to hold financial assets in order to collect contractual cash flows. b) Contractual terms of the financial asset give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. Financial assets measured at amortised cost are loans and receivables and financial assets. Subsequ ent to the initial recognition, financial investments are accounted for at amortised cost calculated by using the effective interest rate method. Loans are initially recognized with their cost and carried at their amortized costs calculated using the internal rate of return subsequent to recognition. Cash Equivalents and Banks Cash and bank balances denominated in foreign currencies are valued by using the Group’s current period end exchange rates. The presented values of cash in TRY, foreign currency cash and banks at balance sheet are the estimated fair values of these assets. The related financial assets have been measured at amortized cost. Loans and Receivables Loans and receivables represent unquoted financial assets in an active market t hat provide money, goods or services to the debtor with fixed or determinable payments. Loans and receivables are initially recognized with their fair values including settlement costs and carried at their amortized costs calculated using the internal rate of return subsequent to recognition. Transaction fees, dues and other expenses paid for loan guarantees are recognized under the profit and loss accounts. Consumer and corporate cash loans are recognized under the accounts specified by the Uniform Chart o f Accounts and Explanations with their original balances based on their context. Consumer Price Indexed Government Bonds Accounting Policy The Parent Bank’s securities portfolio includes government bonds, issued by the Republic of Türkiye Ministry of Treasury and Finance, that are indexed to the Consumer Price Index (CPI). The effective interest method is used to account for securities that are classified as measured at amortized cost, whereas those securities classified as measured at fair value through o ther comprehensive income (FVOCI) are presented in the financial statements at their fair value. For the valuation calculations of these securities, the bond’s real coupon rate, the reference inflation index at the issuance date and the projected inflation rates for the bond’s maturity date and coupon payment dates are taken into consideration.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 20 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VII. EXPLANATIONS ON FINANCIAL ASSETS (continued) Measurement Categories of Financial Assets and Liabilities (continued) Consumer Price Indexed Government Bonds Accounting Policy (continued) The inflation assumptions applied during the valuation of the CPI-indexed securities are determined by taking the bonds’ maturity profile and coupon repayment dates into account, with the Parent Bank using swap curves that are reflective of market data. Given that inflation has become more predictable in both the medium and long term, and also taking the maturity structure of the relevant securities into account, the assumptions applied when determining inflation forecasts during the reporting period have been reviewed and the forecast horizon has been updated to align with the coupon rates and maturities of the relevant securities. Changes in the inflation assumptions used have an impact on the interest income obtained from CPI -indexed securities. If inflation rates are decreased/increased by 1%, the interest income from such securities decreases/increases by TRY 5.071 respectively. b. Financial Assets Measured at Fair Value through Other Comprehensive Income A financial asset is measured if both of the following conditions are met: a) Financial asset is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets and b) Contractual terms of the financial asset give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. A gain or loss on a financial asset measured at fair value through other comprehensive income shall be recognized in other comprehensive income, except for impairment gains or losses and foreign exchange gains and losses, until the financial asset is derecognized or reclassified from equity to profit or loss as a reclassification adjustment at the reclassification date. Equity Instruments Measured at Fair Value through Other Comprehensive Income At initial recognition, the Parent Bank may make an irrevocable election, in accordance with TFRS 9, to present subsequent changes in the fair value of an investment in an equity instrument in Other Comprehensive Income. The Parent Bank makes this election separately for each financial instrument. Changes in the fair value of the relevant instruments recognized in Other Comprehensive Income are not reclassified to profit or loss in subsequent periods but are transferred to retained earnings instead. c. Financial Assets Measured at Fair Value through Profit or Loss In accordance with TFRS 9; Unless a financial asset is measured at amortized cost or at fair value through other comprehensive income, it is measured at fair value through profit or loss. However, the Group may irrevocably prefer to apply to the financial assets at fair value through other comprehensive income for reflecting future changes in fair value for certain investments in equity instruments that would normally be measured at fair value through profit or loss at the time of initial inception in the financial statements.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 21 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VIII. EXPLANATIONS ON IMPAIRMENT OF FINANCIAL ASSETS As of 1 January 2018, the Group recognizes loan loss allowances for expected credit losses on financial assets and loans measured at amortised cost and measured at fair value through other comprehensive income, loan commitments and financial guarantee contracts not measured at fair value through profit / loss based on TFRS 9 and the regulation published in the Official Gazette no. 29750 dated 22 June 2016 in connecti on with “Procedures and Principals regarding Classifications of Loans and Allowances Allocated for Such Loans” effective from 1 January 2018. Financial assets measured at fair value are not assessed for impairment. In accordance with TFRS 9, the Group assesses all financial instruments for which there has been a significant increase in credit risk since initial recognition, by taking into account all supportable information, including reasonable and prospective ones. As of the reporting date, if the credit risk on a financial instrument has not increased significantly since initial recognition, the Group shall measure the loss allowance for that financial instrument at an amount equal to 12 month expected credit losses. However, if there is a significant increase in credit risk of a financial instrument since initial recognition, the Group measures loss allowance regarding such instrument at an amount equal to lifetime expected credit losses. The Group calculates the expected credit loss on a collective or i ndividual basis by grouping the financial assets having common credit risk features. The Group constituted a policy in order to make an assessment whether the credit risk on a financial instrument has increased significantly since initial recognition by ta king into consideration the change in the risk of a default event occurring over the expected life of the financial instrument. Calculation of Expected Credit Losses A credit loss is present value of calculated difference between the total cash flows that will occur based on the contractual terms of financial instruments and the total cash flows, which the Group expects to collect, with the initial effective interest rate. The Group estimates the cash flows over the expected life of the financial instrument by taking into account all contractual terms of the financial instrument, and considers the weighted average of loan losses according to the relevant default risk probabilities for determining expected credit losses. TFRS 9 Financial Instruments permits t he measurement of expected credit loss allowances on either a collective or an individual basis by grouping financial assets that share similar credit risk characteristics. In the case that the Group performs the expected credit loss calculation on an indi vidual basis for financial instruments, it determines the credit loss risk by jointly evaluating the possible outcomes related to the credit loss and the likelihood of these outcomes occurring. Within this context, the estimated expected credit losses are calculated in a manner that reflects an unbiased, probability‑weighted figure, taking into consideration the range of possible outcomes. Under the scope of the collective assessment approach, financial assets are grouped based on shared credit risk characteristics, and the expected credit loss is calculated using the relevant risk parameters. Expected Credit Loss is measured on either a 12‑month or lifetime basis depending on whether there has been a significant increase in credit risk since the initial rec ognition or whether an asset is considered credit‑impaired or not. Expected credit loss is calculated using the components of Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD). Macroeconomic indicators are taken into consi deration in the determination of the probability of default component in the calculation of expected credit losses. Forward -looking macroeconomic forecasts are incorporated into expected credit losses through the use of multiple scenarios. Forward -looking macroeconomic information is included in the risk parameters used in TFRS 9 calculations. When incorporating macroeconomic information, econometric models and projections that reflect the relationships between the model risk parameters and macroeconomic variables are taken into consideration. The expected credit loss calculation is performed by taking three different scenarios into account; optimistic, pessimistic, and baseline. The final outcomes are calculated by weighing them according to the scenario probabilities. Within the scope of TFRS 9, models have been developed for EAD, PD and LGD. The models developed under TFRS 9 have a detailed segmentation structure. Loans with similar characteristics have been segmented for the purpose of recognising expected credit losses on a collective basis in the financial statements.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 22 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VIII. EXPLANATIONS ON IMPAIRMENT OF FINANCIAL ASSETS (continued) Probability of Default (PD) It is defined as the probability that the debtor does not fulfill its obligations to the Group or in other words it can not repay its debts to the Group. This ratio is calculated for each loan based on various statistical assumptions depending on the matur ity, internal behavioral model, external behavioral model and financial module data. The Group uses two different PD values when calculating expected credit losses in accordance with TFRS 9: 12‑month PD, which is the estimated probability of default within the 12 months following the reporting date, and Lifetime PD, which is the estimated probability of default over the expected life of the financial instrument. The definition of default used in PD calculations is determined within the scope of the Bank’s policies and practices. The models are created in accordance with this definition and are calibrated based on past default events. The Group uses internal rating approaches for both retail and corporate portfolios. The PD is determined by taking into accou nt historical data, current conditions, and forward‑looking macroeconomic expectations (scenarios), and it is updated on a periodic basis. Loss given Default (LGD) LGD represents the percentage parameter that shows the economic loss the Group will incur in the event of a credit default. LGD is determined based on historical cash flows related to post‑default recoveries, collateral realizations, and collection costs. LGD rates are developed on a segment basis by considering past realizations that best reflect current conditions, as well as collateral information and default amounts assessed within the portfolio’s risk drivers. These rates are reviewed regularly. LGD calculations incorporate the “time value of money” effect by discounting recovery and collater al cash flows using the effective interest rate, taking the timing of these cash flows into account. For Stage 3 loans, increasing LGD rates that reflect the post‑default recovery cycle are used, based on the time spent in default and also past recovery performance. In the Group’s LGD estimates, changes in post‑default recovery performance and collateral valuation assumptions are monitored, and the parameters are updated when deemed necessary. Exposure at Default (EAD) It is the parameter that indicates how much of a loan will default. The default amount for a spot or installment loan is the amount, which is listed on the payment schedule at the time of default. Additionally, the default amount for the credit cards and limit gaps of overdraft accounts and no n-cash loans, are calculated with a parameter called credit conversion factor (CCF). The default risk amount in the future is estimated by calculating by the statistical methods with the credit conversion rate, since it is not known at the time of loan ori gination due to undrawn commitment for limit of credit cards and overdraft accounts. The Group’s “three‑stage” impairment model under TFRS 9, which is based on changes in credit quality after initial recognition, is explained below. 12 Month Expected Credit Losses It represents the portion of lifetime expected credit losses that corresponds to the expected credit losses arising from default events that may occur within 12 months after the reporting date. Paragraph 5.5.5 of the TFRS 9 Standard states that: “...if the credit risk on a financial instrument has not increased significantly since its initial recognition, the entity shall measure the loss allowance for that financial instrument at an amount equal to the 12‑month expected credit losses.” According to this, the 12‑month expected credit loss is calculated based on the 12‑month probability of default (PD) associated with default events expected to occur within 12 months after the reporting date, and is determined by multiplying this probability by the l oss given default (LGD) and exposure at default (EAD) components for the relevant period. In this calculation, the 12‑month probabilities of default (PD) generated under good, adverse, and baseline scenarios —reflecting forward‑looking macroeconomic expecta tions—are weighted based on the assigned scenario probabilities to obtain a single weighted PD. The 12‑month expected credit loss is then calculated using this weighted PD. If a loan is classified under Group 1 – Standard Loans (Stage 1), a 12‑month expected credit loss is calculated over 365 days even if the maturity of the loan exceeds one year. However, when the remaining maturity of the loan falls below one year, the number of days to maturity is used in the calculation (excluding revolving loans and credit cards).

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 23 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VIII. EXPLANATIONS ON IMPAIRMENT OF FINANCIAL ASSETS (continued) Lifetime Expected Credit Losses This refers to the expected credit losses arising from all possible default events that may occur over the expected life of the financial instrument. The TFRS 9 standard states that: “…if the credit risk on a financial instrument has increased significantly since initial recognition, an entity shall measure the loss allowance for that financial instrument at an amount equal to the lifetime expected credit losses at each reporting date.” If a customer or a loan is classified under Group 2 – Under‑Monitoring Loans (Stage 2) or Group 3 – Non‑Performing Loans (Stage 3), a lifetime expected credit loss provision is calculated for the loan based on the probabilities of default associated with all possible default events that may occur over the entire life of the loan. Based on this, the lifetime expected credit loss is determined by multi plying the probability of default (PD) for the relevant period by the loss given default (LGD) and exposure at default (EAD) components. In this calculation, the probabilities of default (PD) generated under good, adverse, and baseline scenarios — reflecting forward‑looking macroeconomic expectations—are weighted by the probabilities assigned to each scenario to obtain a single weighted PD. The lifetime expected credit loss is then calculated using this weighted PD. The methods used to calculate expected cred it loss provisions for Stage 2 and Stage 3 loans are similar; however, for Stage 3 loans, the probability of default is assumed to be 100%. Furthermore, in the expected credit loss calculations for Stage 3 loans, increasing LGD rates that reflect the post‑default recovery cycle are applied, taking into account the time spent in default and historical recovery performance. If the time spent in default exceeds a certain threshold and additional time does not lead to a meaningful change in the expected loss, an LGD rate of 100% is assumed for the relevant loans, and it is considered that no further recoveries are expected. Definition of Default TFRS 9 Standard does not include a direct definition of default, but requires a consistent definition of default to be used in credit risk management. The Group is considering qualitative indicators (e.g. financial commitments), if appropriate, when defining a default according to TFRS 9, for the purpose of determining the risk of business default and adopts a definition of default, consistent with the definition used for in-house credit risk management purposes for the relevant financial instruments. However, there is a rebuttable presumption that default does not occur later than when a financial asset is 90 days past du e unless an entity has reasonable and supportable information to demonstrate that a more lagging default criterion is more appropriate. In accordance with the article “The definition of default used for these purposes is applied consistently to all financial instruments unless information is available that proves that another definition of default is more appropriate for a particular financial instrument.”, it takes into account past due more than 90 days and accepts that the debt is in default if at least one of the following two conditions occurs within the framework of the default definition of the Communiqué on Calculation of the Risk Weighted Exposure Amount for Credit Risk by Internal-ratings Based Approaches. a) Considering that a debtor is unlikely t o pay credit obligations to the Parent Bank or to the Parent Bank’s consolidated financial subsidiaries without using guarantees. b) Considering that a debtor having past due more than 90 days to the Parent Bank or its consolidated financial subsidiaries. The expected loan loss provision for the loans classified as non-performing loans (Stage 3) is calculated using the estimation of loss given default (LGD). Aforementioned estimation is based on the historical data on a segment basis and determined by the p rinciple loss charge, being the remaining amount after the collection made within the period after each segment has defaulted. Portfolios with Low Credit Risk Since accurate results cannot be obtained for those portfolios which previous default information is not available, TFRS 9 Standard states that, the expected credit loss can be calculated by using low default rate for these portfolios. If the entity determines that a financial instrument has a low credit risk as of the reporting date, it assumes that the credit risk on the financial instrument has not increased significantly following its initial recognition in the financial statement.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 24 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) VIII. EXPLANATIONS ON IMPAIRMENT OF FINANCIAL ASSETS (continued) Portfolios with Low Credit Risk (continued) Those transactions in the Group are classified as follows: a) CBRT transactions (Currencies held in CBRT and reserve requirements) b) Securities (Fair value through other comprehensive income and financial assets measured at amortised cost) c) Treasury Loans d) Transactions guaranteed by Treasury of Republic of Türkiye Significant Increase in Credit Risk Significant increase in credit risk requires measurement of the Group’s provision for expected credit losses at lifetime probability of default instead of 12 month expected credit loss. In the event of a significant increase in credit risk since initial recognition, the financial asset is transferred to Stage 2. The Group performs both qualitative and quantitative assessments to determine whether there has been a significant increase in credit risk. Under TFRS 9, a holistic approach is adopted in assessing changes in credit risk; while quantitative criteria form the basis of the assessm ent, qualitative indicators are also incorporated into the evaluation. In determining whether there has been a significant increase in credit risk based on quantitative criteria, the Group uses an approach that focuses on the deterioration in the probability of default (PD). Qualitative Assessment: The Group classifies a financial asset as Stage 2 (Significant Increase in Credit Risk) if any of the following conditions determined through qualitative assessment are met: • Receivables that are more than 30 days past due as of the reporting date • Receivables classified under the “Under‑Monitoring” category • Restructuring arrangements granted to a borrower due to financial difficulties that the borrower is experiencing or is likely to experience —where such concessions would not be granted to a borrower that is not experiencing repayment difficulties • The Group’s assessment that the customer is a risky borrower, in line with the principle of prudence • The customer has a partnership or ownership relationship with another borrower whose exposures have been classified as non‑performing Quantitative Assessment: The quantitative assessment used to determine a significant increase in credit risk is based on comparing the probability of default calculated at loan or igination with the updated probability of default at the reporting date. The absolute and relative thresholds used in assessing probability of default may vary across segments or loan groups. The Bank classifies a financial asset as Stage 2 (Significant Increase in Credit Risk) when both of the following quantitative criteria are met: • Relative change in Probability of Default (PD): The relative difference between the PD at the reporting date and the PD at initial recognition exceeds the defined threshold. • Absolute change in Probability of Default (PD): The absolute difference between the PD at the reporting date and the PD at initial recognition exceeds the defined threshold. IX. EXPLANATIONS ON OFFSETTING FINANCIAL INSTRUMENTS A financial asset and a fi nancial liability shall be offset and the net amount shall be presented in the balance sheet only when a party currently has a legally enforceable right to set off the recognized amounts or intends either to settle on a net basis or to realize the asset and settle the liability simultaneously.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 25 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) X. EXPLANATIONS ON SALES AND REPURCHASE AGREEMENTS (REPOS) AND TRANSACTIONS ON SECURITIES LOANED Marketable securities subject to repurchase agreements are valued according to the valuation principles of the related portfolios. Funds obtained from the repurchase agreements are recognized under “Money Market Funds” account in liabilities. For the difference between the sale and repurchase prices determined by the repo agreements for the period; expense accrual is calculated using the internal rate of return method. Reverse repo transactions are recognized under the “Money Market Placements” account. For the difference between the purchase and res ale prices determined by the reverse repo agreements for the period; income accrual is calculated using the internal rate of return method. XI. EXPLANATIONS ON ASSETS HELD FOR SALE, ASSETS OF DISCONTINUED OPERATIONS AND RELATED LIABILITIES Assets that meet the criteria to be classified as held for sale are measured at carrying amount and depreciation of such assets is ceased and they are presented separately in the balance sheet. In order to classify an asset as held for sale, the asset (or the disposal group) should be available for an immediate sale in its present condition subject to the terms of any regular sales of such assets (or such disposal groups) and the sale should be highly probable. For a highly probable sale, the appropriate level of management must be committed to a plan to sell the asset (or the disposal group), and an active program to complete the plan should be initiated to locate a customer. Also, the asset (or the disposal group) should have an active market sale value, which is a reasonable value in relation to its current fair value. Events or circumstances may extend the completion of the sale more than one year. Such assets are still classified as held for sale if there is sufficient evidence that the delay in the sale process is due to the events and circumstances occurred beyond the control of the entity or the entity remains committed to its plan to sell the asset (or disposal group). A discontinued operation is a component of the Group that either has been disposed of, or is classified as held for sale. Gains or losses relating to discontinued operations are presented separately in the statement of profit or loss. XII. EXPLANATIONS ON GOODWILL AND OTHER INTANGIBLE ASSETS As at the balance sheet date, there is no goodwill recorded in the consolidated balance sheet of the Group. Intangible assets that are purchased prior to 1 January 2005 are carried at their restated historical costs and intangible assets that are purchased in the subsequent periods are carried at their historical cost, l ess any accumulated amortization and any impairment losses. Intangible assets are amortized by using the straight line method based on their useful lives. Amortization method and period are assessed periodically at the end of each year. Intangible assets c onsist of software expenses and they are amortized by using the straight line method over 5 years. There is no significant change in the accounting estimates expected or to be expected having a significant effect on the amortization method, amortization period or residual value. XIII. EXPLANATIONS ON TANGIBLE ASSETS Tangible assets that are purchased prior to 1 January 2005 are carried at their 31 December 2004 dated restated costs and tangible assets that are purchased in the subsequent periods are carried at cost, less any accumulated depreciation and any impairment losses. Tangible assets are amortized by using the straight line method during their useful lives. Gain or loss arising from the disposal or retirement of an item of tangible assets is determined as the difference between the sales proceeds and the carrying amount of that asset. As of 1 April 2015, the Group adopted the revaluation method for buildings in tangible assets in accordance with Turkish Accounting Standard No: 16 “Property, Pla nt and Equipment” (TAS 16). Expertise values calculated by independent appraisal companies are reflected in the financial statements as of related period. Revaluation differences are recorded in shareholders’ equity.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 26 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XIII. EXPLANATIONS ON TANGIBLE ASSETS (continued) Ordinary maintenance and repair expenses of tangible assets items are recognized as expenses. Estimated useful lives of tangible assets are as follows: Estimated Useful Lives (Year) Depreciation Rate Buildings 50 2% Safes 50 2% Other movable properties 3-25 33,33-4 % Assets Acquired in Settlement of the Group’s Receivables are classified under Tangible Assets in the financial statements and are accounted for by deducting accumulated depreciation and, if any, accumulated impairment losses. The assets acquired in settlement of the Group’s receivables consist of properties, movable properties, and other similar assets held for disposal. Leasehold improvements are depreciated over the useful lives, on a straight-line basis. In any case useful life cannot exceed the lease period. If the duration of lease agreement is not determined or longer than five years, depreciation duration is considered as five years. There is n o change in accounting estimates that is expected to have significant effect in current period and subsequent periods. There are no material mortgages, pledges or similar in cumbrances designated for the tangible assets. Classification of Investment Properties: If a land or building is being used by an owner and the intention is changed to an investment property, this property is classified as an investment property. When the use of an immovable is changed and reclassified as an investment property, the ac tual value of the date on which the change in the use of the named property takes place will be the cost of the subsequent accounting. XIV. EXPLANATIONS ON INVESTMENT PROPERTIES Investment properties are properties held to earn rentals and/or for capital appreciation. While these properties were accounted for at acquisition cost less accumulated depreciation and permanent impairment losses if any, the Group changed its accounting policy as of November 2023 and adopted the fair value method for inve stment properties within the scope of TAS 40 Investment Property Standard. The appraisal values calculated by independent appraisal companies are reflected in the financial statements at the related period. Revaluation differences are recognized in the Statement of Profit or Loss. XV. EXPLANATIONS ON LEASING TRANSACTIONS Assets acquired under financial leases are carried at the lower of their fair values or amortized value of the lease payments. Leasing payables are recognized as liabilities in the balance sheet while the interest payable portions of the payables are recognized as a deferred amount of interest. Assets held under financial leases are recognized under the tangible assets at account and are depreciated by using the straight line method. The Parent Bank does not participate in the financial leasing transactions as a “lessor”. Lease transactions recognised under “Tangible Assets” as an asset (tenure) and under “Lease Liabilities” as a liability. The Group assesses whether the contract has the quality of a lease or whether the transaction includes a lease at the beginning of a contract. A lease agreement is an agreement between two or more parties that gives the tenure the legally enforceable rights and obligations of the underlying asset. In case the contract is transferred for a certain period of time to control the use of the asset defined for a price, 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.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 27 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XV. EXPLANATIONS ON LEASING TRANSACTIONS (continued) Existence of right-of-use: As a result of internal evaluations, the Parent Bank accounts real estate and veh icles subject to operational lease in accordance with TFRS 16. ATMs, and other leasing transaction balances are not considered within the scope of TFRS 16 as they are below the materiality level and the corresponding rent payments are recognized under Current Period Expense. At the commencement date, the Group measures the right -of-use real estates considered as the cost of right - of-use asset being the right-of-use asset in accordance with TFRS 16. The cost of the right-of- use; a) The amount of the initial measurement of the lease liability, b) Any lease payments made at or before the commencement date, less any lease incentives received, c) Any initial direct costs incurred by the lessee and an estimate of costs to be incurred by the lessee in dismantling and removing the underlying asset, restoring the site on which it is located or restoring the underlying asset to the condition required by the terms and conditions of the lease. The Group takes into account the accumulated depreciation and im pairment losses for the subsequent period measurement of the existence of right -of-use. The Group applies the depreciation requirements in TAS 16 Property, Plant and Equipment in depreciating real assets considered as right-of-use asset. The Group applies TAS 36 Impairment of Assets to determine whether the real estates considered as right-of- use assets are impaired and to account for any impairment loss identified. The Lease Obligations: Based on TFRS 16, at the commencement date, the Group measures the le ase liability at the present value of the lease payments that are not paid at that date. The lease payments are discounted using the alternative borrowing interest rate. After the commencement date, the Group measures the lease liability as follows: a) Increasing the carrying amount to reflect interest on the lease liability, b) Reducing the book value to reflect the lease payments made, c) Reducing the carrying amount to reflect the lease payments made; and remeasuring the carrying amount to reflect any reassessment or lease modifications, or to reflect revised in-substance fixed lease. Interest on the lease liability in each period during the lease term shall be the amount that produces a constant periodic rate of interest on the remaining balance of the lease liability. In the event of a modification in the lease agreement which affects the lease payments or defined assets, the Group re-measures its lease liability by using the current borrowing rate. The Group reflects the remeasured leasing liability and the right -of-use in the financial statements. On the other hand, changes such as the shortening of the lease term, the termination of the contract and the decreases in the scope of the underlying asset, the gains or losses are recognized in profit or loss. XVI. EXPLANATIONS ON PROVISIONS AND CONTINGENT LIABILITIES Provision and contingent liabilities are accounted in conformity with TAS 37 “Provisions, Contingent Liabilities and Contingent Assets”. In the financial statements, a provision is m ade for an existing commitment resulted from past events if it is probable that the commitment will be settled and a reliable estimate can be made of the amount of the obligation. Provisions are calculated based on the best estimates of the Group’s management on the expenses to incur as of the balance sheet date and, if material, such expenses are discounted for their present values. If the amount is not reliably estimated and there is no probability of cash outflow from the Group to settle the liability, the related liability is considered as “contingent” and disclosed in the notes to the financial statements.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 28 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XVII. EXPLANATIONS ON EMPLOYEE BENEFIT LIABILITIES Employee benefits liabilities are recognized in accordance with the TAS 19 “Employee Benefits”. According to related legislation and union agreements, the Parent Bank is required to make lump sum retirement payments to employees who has completed one year of service, is called up for military service, dies, resigns, retires or whose employment is terminated without due cause, or for female employees who resigns subsequent to her marriage within one year. The Group provides provision by estimating the present value of the fut ure retirement pay liability. The retirement pay provision of the Parent Bank has been determined by the actuarial report of an independent actuary firm. As of 1 January 2013, actuarial gains and losses are recorded under the shareholders’ equity according to the revised TAS 19. T. Halk Bankası Pension Fund, T. Ziraat Bankası and T. Halk Bankası Employee Pension Fund Foundations were founded in accordance with the provisional article 20 of the Social Insurance Act (SIA) No: 506 and their members including employees of the Parent Bank. Provisional article 23 of the Banking Act No: 5411 requires the Parent Bank’s pension funds founded in the scope of SIA to be transferred to the Social Insurance Institution (SII) within 3 years subsequent to the publishing dat e of the act. The procedure and essentials for the transfer were determined by the Council of Ministers’ decision dated 30 November 2006 and numbered 2006/11345 and accordingly, both pension funds would have been transferred to SSI. However, with the decree of the Constitutional Court numbered E.2005/139, K.2007/13 and K.2007/33 published in the Official Gazette dated 31 March 2007 and numbered 26479, the first paragraph of the temporary first article of the provisional article 23 of the Banking Act No: 541 1 is cancelled and the execution has been ceased starting from the date the decree is published. After the justified decree related to cancelling the provisional article 23 of the Banking Law was announced by the Constitutional Court on the Official Gazett e dated 15 December 2007 and numbered 26731, Turkish Grand National Assembly (TGNA) started to work on establishing new legal regulations, and after it was approved at the General Assembly of the TGNA, the Law numbered 5754 “Emendating Social Security and General Health Insurance Act and Certain Laws and Decree Laws”, which was published on the Official Gazette dated 8 May 2008 and numbered 26870, came into effect. The new law decrees that the contributors of the bank pension funds, the ones who receive sal aries or income from these funds and their rightful beneficiaries will be transferred to the Social Security Institution and will be subject to this Law within 3 years after the release date of the related article, without any need for further operation. The three year transfer period can be prolonged for maximum 2 years by the Cabinet decision. However related transfer period has been prolonged for 2 years by the Council of Ministers decision dated 14 March 2011, which was published on the Official Gazette dated 9 April 2011 and numbered 27900. In addition, by the Law numbered 6283 “Emendating Social Security and General Health Insurance Act”, which was published on the Official Gazette dated 8 March 2012 and numbered 28227, the authority of the Council of Ministers extending 2 years has been raised to 4 years. The statement “The Council of Ministers have entitled to determine transfer period” has taken place in the scope of the Article 51 of the Law No: 6645 which was published on the Gazette on 23 April 2 015 and numbered 29335. In accordance with the related legislation, as of the transfer date, the income and expenses of the transferred funds will be considered by the insurance branches and the present value of the actuarial liabilities will be calculated with the technical interest rate of 9,8%. Moreover, after the transfer to Social Insurance Institution, the unfulfilled other social rights and payments existed in the settlement deeds of the subjected pension funds of the transferred participants, members or the rightful owners will be continued to be fulfilled by the employer entities of the funds and its participants. The transferable rights have been calculated in accordance with the transfer conditions, and it has been concluded that there is no techn ical deficit as of 31 December 2025. Therefore, no liability emerges for the Parent Bank. The benefits that are not subject to the transfer have been measured in alignment with the TAS 19 “Benefits Provided for Employees” standard, and no liability has emerged for the Parent Bank.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 29 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XVIII. EXPLANATIONS ON TAXATION Corporate Tax: The commercial profits of corporations in Türkiye face a corporate tax that is based on the statuorty tax base that is calculated by adding non -deductible expenses imposed by tax legislation and subtracting exemptions and allowances. The Parent Bank has calculated corporate tax at a rate of 30% on its corporate earnings for the taxation period ended 30 June 2026 (31 December 2025: 30%). Income tax expense consists of the total of current tax and deferred tax expense. The current period tax liability is calculated based on the portion of that period’s profit that is subject to be taxxed. There is a difference between taxable profit and profit reported in the Statement of Profit or Loss statement because taxable profit excludes items that are taxable or deductible in other periods, as well as items that are not taxable or deductible. There is an offset between the payable current tax amounts and the prepaid tax amounts in the non‑consolidated financial statements of the consolidated entities and are included in consolidation accordingly. Pursuant to Repetitive Article 298 of the Tax Procedure Law No. 213, an inflation adjustment for the financial statements would have been required for the 2021 fiscal year due to an increase in the price index exceedi ng 100% over the last three fiscal years, including the current period, and more than 10% in the current fiscal year. However, under Temporary Article 33, added to the Tax Procedure Law by Law No. 7352, it is stipulated that the financial statements for th e 2021 and 2022 fiscal years, including temporary tax periods, and the temporary tax periods in the 2023 fiscal year shall not be subject to inflation adjustments under Article 298, regardless of whether the conditions for such adjustments are met. Accordingly, under the Tax Procedure Law, the financial statements for the 2021 and 2022 fiscal years will not be subject to inflation adjustments. The financial statements as of 31 December 2023 however, will be subject to inflation adjustments regardless of whether the conditions are met. Any gains or losses resulting from the inflation adjustment will be presented in the retained earnings account. Under the paragraph added to Temporary Article 33 of Law No. 213 by Article 17 of Law No. 7491 on Amendments to Ce rtain Laws and Decrees, it is stipulated that any gains or losses arising from inflation adjustments made by banks, including temporary tax periods, for the 2024 and 2025 fiscal years shall not be taken into account in the determination of taxable profit. Under Temporary Article 37, added to the Tax Procedure Law by Article 34 of Law No. 7571, it is stipulated that the financial statements for the 2025 fiscal year, and for the 2026 and 2027 fiscal years including temporary tax periods (and, for those with a special fiscal year, for the periods ending in 2026, 2027, and 2028), shall not be subject to inflation adjustments under Article 298, regardless of whether the conditions for such adjustments are met. The President is authorized to extend the periods specified under this paragraph for up to three fiscal years, including temporary tax periods. For the purposes of the application of paragraph (ç) of Repetitive Article 298, the periods for which it is stated in the first paragraph that no inflation adjustment shall be made (including periods extended under the granted authority) are considered as periods in which the conditions for inflation adjustment have not been met. Accordingly, as of the end of accounting periods in which the conditions for inflation adjustment are not met, depreciable economic assets included in the balance sheets (excluding those subject to sale -and-leaseback transactions or lease certificate issuances, provided that they maintain these qualifications) and the accumulated depreciation allocated for these assets and presented on the liabilities side of the balance sheets may be revalued under specific conditions. In addition, under the additional articles added to the Corporate Tax Law by Law No. 7524 dated 2 August 2024, the profits of subsidiaries of multinational groups are subject to a 15% global minimum top-up corporate tax.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 30 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XVIII. EXPLANATIONS ON TAXATION (continued) Deferred Tax: Deferred tax is recognized by the Parent Bank in its accounts, aligned with TAS 12 Income Taxes for taxable or deductible temporary differences arising between the carrying amount of an asset or liability and its tax base. For all taxable temporary differences, deferred tax liabilities are calcul ated. Deferred tax assets arising from deductible temporary differences are recognized when it is highly probable that future taxable profits will be available against which these differences can be utilized. As of the current period, a tax rate of 30% has been used in the calculation of deferred tax assets and liabilities (31 December 2025: 30%). The carrying amount of deferred tax assets is reviewed at each balance sheet date. A reduction takes place for the carrying amount of a deferred tax asset, to the extent that is it no longer likely that sufficient taxable profit will be available to allow all or part of the benefit of that deferred tax asset to be realized. The tax rates applicable in the period in which the assets/liabilities are realized or settl ed respectively and is recognized as income or expense in the Statement of Profit or Loss, are used to calculate deferred tax. However, if the deferred tax relates to items that are recognized directly in equity in the same or a different period, it is also recognized directly in equity. Deferred tax assets and liabilities are also offset in the unconsolidated financial statements of the consolidated entities and are included in the consolidation on a net basis. Within the framework of Temporary Article 37 and Repetitive Article 298 of the Tax Procedure Law, the tax effects arising from the revaluation of the financial statements as of 30 June 2026 in accordance with the Tax Procedure Law have been included in the deferred tax calculation as of 30 June 2026. Tax Practices in the Countries That Foreign Branches Operate: Turkish Republic of Northern Cyprus (TRNC) According to the tax regulations in the Turkish Republic of Northern Cyprus, corporate gains are subject to 10% of corporate tax and this taxed amount is subject to 15% of income tax. Advance corporate tax is calculated as 15% of taxable income. Temporary taxes paid are deducted from the corporate tax and income tax calculated at the end of the year. The tax bases for corporate are determined by adding the expenses that cannot be deducted according to TRNC regulations, to commercial gains and by subtracting exemptions and deductions from commercial gains. On the other hand, withholding tax is paid over interest income in TRNC. The relevant withholding tax payments are deducted from the corporate taxes paid. Bahrain Banks operating in Bahrain are subject to the Global Minimum Corporate Tax starting from 1 January 2025. Tax Practices of the Consolidated Subsidiaries: Halk Gayrimenkul Yatırım Ortaklığı AŞ According to Article 5/1(d) (4) of the Corporate Tax Law No. 5520 (“CTL”), the income obtained from real estate investment partnerships is exempted from Corporate Tax. This exemption is also applied to interim temporary tax. With the Law on Amendments to Tax Laws and C ertain Laws and Decree Law No. 375, numbered 7524, published in the Official Gazette dated 2 August 2024, with an effective date of 1 January 2025; • The application of the corporate tax exemption provided to the earnings of Real Estate Investment Partnerships (“REITs”) and Real Estate Investment Funds (“REITs”) is made conditional on the distribution of at least 50% of the earnings obtained from the real estates owned by the mentioned funds and partnerships as dividends by the end of the second month follo wing the month in which the corporate tax return must be filed. • With the addition of subparagraph c to Article 32 of the Corporate Tax Law, a 10% domestic minimum corporate tax application was introduced and it was stipulated that the profits obtained by REITs and REIFs from real estates cannot be taken into account as an exception or deduction from the corporate profit for which the minimum corporate tax will be calculated.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 31 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XVIII. EXPLANATIONS ON TAXATION (continued) Tax Practices of the Consolidated Subsidiaries: (continued) With the Law on Amendments to Tax Laws and Certain Laws and Legislative Decree No. 375 published in the Official Gazette dated 2 August 2024, the corporate tax exemption was abolished and a deferred tax of 30% was calculated starting from 2024. Halk Banka AD Skopje The Parent Bank’s subsidiary, acquired in 2011, Halk Banka AD, Skopje is subject to tax regulations in the Republic of Macedonia and the corporate tax is 10%. Alongside this, as of 1 January 2024, the provisions of the Minimum Global Income Tax Law have come into effect, and under this regulation, an additional tax amount is determined for companies that meet certain criteria. The minimum global corporate tax rate is applied for Halk Banka AD, Skopje is 15%. Halk Bank AD Beograd The Parent Bank’s subsidiary, acquired in 2015, Halk Bank AD, Beograd is subject to tax regulations in the Republic of Serbia. The annual corporate income tax is payable at the rate of 15% on profit before tax, adjusted for temporary differences. XIX. ADDITIONAL EXPLANATIONS ON BORROWINGS The Group borrows funds from domestic and foreign institutions and issues marketable securities when needed. These borrowing activities are recognized at fair value including the acquisition costs at the transaction date and they are valued at amortized costs by using the internal rate of return method. Interest rate and liquidity risks are reduced by having assets with shorter or equal maturity terms than borrowing instruments such as syndication, securitization and borrowing with collateral and bears higher interest than costs of those instruments. Also, asset composition is designed in accordance with the fixed/variable cost nature of borrowing instruments. XX. EXPLANATIONS ON SHARES ISSUED Cost related to share issuances are recognized as expense. Dividends related to the equity shares are determined by the General Assembly of the Parent Bank. In accordance with the decision of the Higher Council of Privatization dated 5 February 2007 and numbered 2007/8, the process of public offering for the 24,98% of shares pertaining to the Privatization Administration was completed and the Parent Bank shares were registered with the Capital Markets Board as per the CMB decision dated 26 April 2007 and numbered 16/471, and the shares were traded on the Borsa İstanbul AŞ as of 10 May 2007. As per the decision of the Higher Council of Privatization numbered 2012/150 and dated 4 October 2012; 23,92% of the public shares that were previously held by the Privatization Administration were privatized by a second public offering and privatization was completed on 21 November 2012. On 20 May 2020, share capital increased by amounting to TRY 1.224 from TRY 1.250 to TRY 2.474 by the way of the private placement without a public offering. In accordance with the decision of the Board of Directors of the Parent Bank dated 9 February 2022, the capital is increased, where the total sales proceeds th rough the capital increase shall amount to TRY 13.400, by the total nominal capital amount to be calculated based on the share sale price to be determined in accordance with the Wholesale Transactions Procedure of Borsa İstanbul AŞ with the Decision of the Capital Markets Board dated 17 February 2022. Accordingly, the recognition of the capital increase of TRY 2.495 on 9 March 2022 was realized on 14 March 2022, based on the permission obtained from the BRSA. The change made to the relevant Articles of Association was registered on 22 March 2022, and it was announced in the Trade Registry Gazette dated 23 March 2022 and numbered 10543. After the increase, TRY 2.495 of nominal and TRY 10.905 of share premium, amounting to a capital increase of TRY 13.400, were recognized in the financial statements. Mentioned capital increase was made by the Parent Bank's main shareholder Türkiye Varlık Fonu. As a result of the capital increase, the issued capital increased from TRY 2.474 to TRY 4.969.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 32 SECTION III: EXPLANATIONS ON ACCOUNTING POLICIES (continued) XX. EXPLANATIONS ON SHARES ISSUED (continued) In accordance with the decision of the Board of Directors of the Parent Bank dated 21 March 2023, the capital is increased, where the total sales proceeds through the capital increase shall amount to TRY 30.000, by the total nominal capital amount to be calculated based on the share sale price to be determined in accordance with the Wholesale Transactions Procedure of Borsa İstanbul AŞ with the Decision of the Capital M arkets Board dated 27 March 2023. Accordingly, the recognition of the capital increase of TRY 2.216 was realized on 31 March 2023, based on the permission obtained from the BRSA. After the increase, TRY 2.216 of nominal and TRY 27.784 of share premium, amo unting to a capital increase of TRY 30.000, were recognized in the financial statements. The change made to the relevant Articles of Association was registered on 17 April 2023, and it was announced in the Trade Registry Gazette dated 18 April 2023 and num bered 10814. Mentioned capital increase was made by the Parent Bank's main shareholder Türkiye Varlık Fonu. As a result of the capital increase, the issued capital increased from TRY 4.969 to TRY 7.185. Halk GYO has applied to the CMB on 29 August 2012 to increase its issued capital from TRY 477 to TRY 663 within TRY 1.500 registered capital ceiling, by public offering of the corresponding B group bearer shares of TRY 186. Application was approved in accordance with the decision promulgated by the CMB’s dec ision numbered 4/97 dated 8 February 2013. As at 15 February 2013 the public offering of B group bearer shares of TRY 186 was made by restricting the preemptive rights of the existing shareholders. After completing the investors’ book building, Halk GYO’s shares started to be traded on Borsa İstanbul AŞ on 22 February 2013. XXI. EXPLANATIONS ON BILL GUARANTEES AND ACCEPTANCES Bill guarantees and acceptances are realized simultaneously with the customer payments and they are presented as possible liabilities and commitments in the off-balance sheet accounts. XXII. EXPLANATIONS ON GOVERNMENT INCENTIVES The Parent Bank has no government incentives in the current or prior period. XXIII. EXPLANATIONS ON SEGMENT REPORTING Segment reporting focuses on business segment considering the main source and nature of the risks and returns of the Group. The Parent Bank operates mainly in corporate, commercial and entrepreneur banking. The information of the Group’s business segments is explained in Section Four, disclosure numbered VII. XXIV. EXPLANATIONS ON EARNINGS PER SHARE Earnings per share calculated under the TAS 33 Earnings Per Share Standard is determined by dividing the net profit by the number of shares outstanding for the relevant period. Current Period Prior Period Basic Earnings Per Share Diluted Earnings Per Share Basic Earnings Per Share Diluted Earnings Per Share Net Income/(Loss) to be Appropriated to Ordinary Shareholders 17.729 17.729 12.658 12.658 TRY Nominal Value Represented by 718.478 Million Shares 7.185 7.185 7.185 7.185 Earnings per Share Attributable to Each TRY 1 Nominal Share (Full TRY) 2,468 2,468 1,762 1,762 There are no paid-in shares issued during the current period. (31 December 2025: None.) XXV. EXPLANATIONS ON OTHER MATTERS International rating agency Fitch Ratings affirmed the Parent Bank’s Long-Term Foreign Currency Rating and Long-Term Local Currency Rating at “BB-” and its Government Support Rating at “bb-” on 28 January 2026, and upgraded the outlooks on the relevant ratings from “Stable” to “Positive”. On 14 April 2026, the Parent Bank’s Long-Term Foreign Currency Rating and Long -Term Local Currency Rating were affirmed at “BB-”, and the outlooks on the relevant ratings were revised from “Po sitive” to “Stable”. On 11 June 2026, the Parent Bank’s Viability Rating was upgraded from “b -” to “b”, while its Long-Term Foreign Currency Rating and Long -Term Local Currency Rating were affirmed at “BB -”, and the outlooks on the relevant ratings were affirmed as “Stable”.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 33 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP I. EXPLANATIONS ON THE CONSOLIDATED EQUITY Equity capital has been made within the framework of the “Regulation on Banks’ Equity”, while the calculation of the capital adequacy standard ratio has been made within the framework of the “Regulation on the Measurement and Assessment of Banks’ Capital Adequacy” As of 30 June 2026, the capital adequacy ratio and the capital amount of the Group were r ealized as 13,22% (31 December 2025: 15,56%) and TRY 375.213 (31 December 2025: TRY 332.973) which were calculated within the scope of the above-mentioned regulation amendments. (1) Information About Total Consolidated Equity Items: Current Period Prior Period COMMON EQUITY TIER 1 CAPITAL Paid-in Capital to be Entitled for Compensation after All Creditors 8.405 8.405 Share Premium 44.505 44.505 Reserves 107.132 84.633 Other Comprehensive Income according to TAS 86.485 83.138 Profit 27.238 32.381 Current Period Profit 17.729 27.131 Prior Period Profit 9.509 5.250 Bonus Shares from Associates, Affiliates and Joint-Ventures not Accounted in Current Period's Profit 1.215 1.084 Minority Interest 14 15 Common Equity Tier 1 Capital Before Deductions 274.994 254.161 Deductions from Common Equity Tier 1 Capital Valuation adjustments calculated as per the article 9. (i) of the Regulation on Bank Capital - - Current and Prior Periods' Losses not Covered by Reserves, and Losses Accounted under Equity according to TAS (-) 28.262 24.049 Leasehold Improvements on Operational Leases (-) 5.661 4.612 Goodwill Netted with Deferred Tax Liabilities - - Other Intangible Assets Netted with Deferred Tax Liabilities Except Mortgage Servicing Rights 8.173 5.734 Remaining after deducting from the related deferred tax liability with the deferred tax asset based on future taxable income, except for deferred tax assets based on temporary differences - - Differences arise when assets and liabilities not held at fair value, are subjected to cash flow hedge accounting - - Total credit losses that exceed total expected loss calculated according to the Regulation on Calculation of Credit Risk by Internal Ratings Based Approach - - Securitization gains - - Unrealized gains and losses from changes in bank’s liabilities’ fair values due to changes in creditworthiness - - Net amount of defined benefit plans - - Direct and Indirect Investments of the Bank on its own Tier I Capital (-) 1.244 471 Shares Obtained against Article 56, Paragraph 4 of the Banking Law (-) - - Total of Net Long Positions of the Investments in Equity Items of Unconsolidated 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 (-) - - Total of Net Long Positions of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns 10% or more of the Issued Share Capital Exceeding the 10% Threshold of above Tier I Capital (-) - - Mortgage Servicing Rights Exceeding the 10% Threshold of Tier I Capital (-) - - Net Deferred Tax Assets arising from Temporary Differences Exceeding the10% Threshold of Tier I Capital (-) - - Amount Exceeding the 15% Threshold of Tier I Capital as per the Article 2, Clause 2 of the Regulation on Measurement and Assessment of Capital Adequacy Ratios of Banks (-) - - The Portion of Net Long Position of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns 10% or more of the Issued Share Capital not deducted from Tier I Capital (-) - - Mortgage Servicing Rights not deducted (-) - - Excess Amount arising from Deferred Tax Assets from Temporary Differences (-) - - Other items to be Defined by the BRSA (-) - - Deductions from Tier I Capital in cases where there are no adequate Additional Tier I or Tier II Capitals (-) - - Total Deductions from Common Equity Tier I Capital 43.340 34.866 Total Common Equity Tier I Capital 231.654 219.295

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 34 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) I. EXPLANATIONS ON THE CONSOLIDATED EQUITY (continued) (1) Information About Total Consolidated Equity Items: (continued) ADDITIONAL TIER I CAPITAL Preferred Stock not Included in Common Equity Tier I Capital and the Related Share Premiums - - Debt Instruments and the Related Issuance Premiums Defined by the BRSA 83.859 59.355 Debt Instruments and the Related Issuance Premiums Defined by the BRSA (Covered by Temporary Article 4) - - Additional Tier I Capital before Deductions 83.859 59.355 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 Unconsolidated 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 Unconsolidated Banks and Financial Institutions where the Bank Owns more than 10% of the Issued Share Capital - - Other items to be defined by the BRSA - - Items to be Deducted from Tier I Capital during the Transition Period Goodwill and Other Intangible Assets and Related Deferred Taxes not deducted from Tier I Capital as per the Temporary Article 2, Clause 1 of the Regulation on Measurement and Assessment of Capital Adequacy Ratios of Banks (-) - - Net Deferred Tax Asset/Liability not deducted from Tier I Capital as per the Temporary Article 2, Clause 1 of the Regulation on Measurement and Assessment of Capital Adequacy Ratios of Banks (-) - - Deduction from Additional Tier I Capital when there is not enough Tier II Capital (-) - - Total Deductions From Additional Tier I Capital - - Total Additional Tier I Capital 83.859 59.355 Total Tier I Capital (Tier I Capital=Common Equity+Additional Tier I Capital) 315.513 278.650 TIER II CAPITAL Debt Instruments and the Related Issuance Premiums Defined by the BRSA 30.143 30.143 Debt Instruments and the Related Issuance Premiums Defined by the BRSA (Covered by Temporary Article 4) - - Provisions (Amounts explained in the first paragraph of the article 8 of the Regulation on Bank Capital) 29.733 24.371 Tier II Capital Before Deductions 59.876 54.514 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 conditions declared in Article 8. - - Total of Net Long Positions of the Investments in Equity Items of Unconsolidated 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 (-) - - Total of Net Long Positions of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns 10% or more of the Issued Share Capital Exceeding the 10% Threshold of above Tier I Capital - - Other items to be defined by the BRSA (-) - - Total Deductions from Tier II Capital - - Total Tier II Capital 59.876 54.514 Total Equity (Total Tier I and Tier II Capital) 375.389 333.164 Total Tier I and Tier II Capital (Total Equity) Loans Granted against the Articles 50 and 51 of the Banking Law - - Net Book Values of Movables and Immovable 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 176 191

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 35 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) I. EXPLANATIONS ON THE CONSOLIDATED EQUITY (continued) (1) Information About Total Consolidated Equity Items: (continued) Items to be Deducted from the Sum of Tier I and Tier II Capital (Capital) During the Transition Period The Portion of Total of Net Long Positions of the Investments in Equity Items of Unconsolidated 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 not deducted from Tier I Capital, Additional Tier I Capital or Tier II Capital as per the Temporary Article 2, Clause 1 of the Regulation (-) - - The Portion of Total of Net Long Positions of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns more than 10% of the Issued Share Capital Exceeding the 10% Threshold of above Tier I Capital not deducted from Additional Tier I Capital or Tier II Capital as per the Temporary Article 2, Clause 1 of the Regulation (-) - - The Sum of net long positions of investments in the common stock of banking, financial and insurance The Portion of Net Long Position of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns 10% or more of the Issued Share Capital, of the Net Deferred Tax Assets arising from Temporary Differences and of the Mortgage Servicing Rights not deducted from Tier I Capital as per the Temporary Article 2, Clause 2, Paragraph (1) and (2) and Temporary Article 2, Clause 1 of the Regulation (-) - - TOTAL CAPITAL Total Capital (Total of Tier I Capital and Tier II Capital) 375.213 332.973 Total Risk Weighted Assets 2.838.532 2.140.214 Capital Adequacy Ratios CET1 Capital Ratio (%) 8,16 10,25 Tier I Capital Ratio (%) 11,12 13,02 Capital Adequacy Ratio (%) 13,22 15,56 BUFFERS Bank-specific total CET1 Capital Ratio (a+b+c) 3,599 3,581 a) Capital Conservation Buffer Ratio (%) 2,500 2,500 b) Bank-specific Counter-Cyclical Capital Buffer Ratio (%) 0,099 0,081 c) Systemic significant bank buffer ratio % 1,000 1,000 Additional CET1 Capital Over Total Risk Weighted Assets Ratio Calculated According to the Article 4 of Capital Conservation and Counter-Cyclical Capital Buffers Regulation (%) 3,661 5,746 Amounts Lower Than Excesses as per Deduction Rules Remaining Total of Net Long Positions of the Investments in Equity Items of Unconsolidated Banks and Financial Institutions where the Bank Owns 10% or less of the Issued Share Capital 2.021 1.873 Remaining Total of Net Long Positions of the Investments in Tier I Capital of Unconsolidated Banks and Financial Institutions where the Bank Owns more than 10% or less of the Issued Share Capital - - Remaining Mortgage Servicing Rights - - Net Deferred Tax Assets arising from Temporary Differences 7.720 10.152 Limits for Provisions Used in Tier II Capital Calculation General Loan Provisions for Exposures in Standard Approach (before limit of one hundred and twenty five per ten thousand) 29.733 24.372 General Loan Provisions for Exposures in Standard Approach Limited by 1.25% of Risk Weighted Assets 29.733 29.935 Total Loan Provision that Exceeds Total Expected Loss Calculated According to Communiqué on Calculation of Credit Risk by Internal Ratings Based Approach - - Total Loan Provision that Exceeds Total Expected Loss Calculated According to Communiqué on Calculation of Credit Risk by Internal Ratings Based Approach, Limited by 0,6% Risk Weighted Assets - - Debt Instruments Covered by Temporary Article 4 (effective between 1.1.2018-1.1.2022) Upper Limit for Additional Tier I Capital Items subject to Temporary Article 4 - - Amount of Additional Tier I Capital Items Subject to Temporary Article 4 that Exceeds Upper Limit - - Upper Limit for Additional Tier II Capital Items subject to Temporary Article 4 - - Amount of Additional Tier II Capital Items Subject to Temporary Article 4 that Exceeds Upper Limit - - *Amounts in this column represents the amounts of items that are subject to transitional provisions.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 36 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) I. EXPLANATIONS ON THE CONSOLIDATED EQUITY (continued) (2) Information on Differences Between Equity Items Calculated in Accordance with the Regulation on Equity of Banks and Balance Sheet Amounts: Within the scope of the “Regulation on Banks' Equity” (Regulation), the equity that is the basis for the capital adequacy standard ratio calculation is calculated after deducting the values to be deducted from the equity from the total capital and supplementary capital. The main difference between the “Equity” in the balance sheet and the equity calculated within the scope of the Regulation arises from the Stage 1 and Stage 2 expected credit loss allowances in the Tier II capital, and the subordinated debt instruments included in the Tier II capital. In addition; in accordance with the regulation, operating lease development costs, which are presented under the Tangible Assets item in the balance sheet and Intangible Fixed Assets for the calculation of capital adequacy are taken into account as a discount item from the core capital. Similarly, some accounts determined by the Board are deducted from the total Equity in the calculation of the “Equity” amount, which is the basis for the capital adequacy calculation.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 37 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) I. EXPLANATIONS ON THE CONSOLIDATED EQUITY (continued) (3) Information about instruments to be included in the Equity Calculation : Information about instruments included in total capital calculation: Issuer T. Halk Bankası AŞ T. Halk Bankası AŞ T. Halk Bankası AŞ T. Halk Bankası AŞ Unique identifier (CUSIP, ISIN etc.) TRSTHALE2716 TRSTHAL83015 TRSTHALK3419 XS3094751198 Governing Law(s) of the instrument BRSA and CMB Legislation BRSA and CMB Legislation BRSA and CMB Legislation BRSA and CMB Legislation Regulatory treatment Subject to 10% deduction as of 1/1/2015 No No No No Eligible at unconsolidated / consolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Instrument type (types to be specified by each jurisdiction) Bond Bond Bond Bond Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 200 3.943 26.000 32.605 Par value of instrument (Currency in mil) 1.000 4.929 26.000 32.605 Accounting classification 346.011 346.011 346.011 347.001 Original date of issuance 20.10.2017 27.08.2024 11.12.2024 26.06.2025 Demand or time Time Time Time Demand Original maturity date 20.10.2017 27.08.2024 11.12.2024 26.06.2025 Issuer call subject to prior supervisory approval Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Optional call date, contingent call dates and redemption amount - - - - Subsequent call dates, if applicable - - - - Coupons / dividends Fixed or floating dividend/coupon Floating Coupon Indexed to TLREF Indexed to TLREF Fixed Coupon rate and any related index Government Debt Security for 5 years +350 base points 6 months TLREF+0,50 bps 3 months TLREF+0,875 bps 9,30% Existence of a dividend stopper - - - - Fully discretionary, partially discretionary or mandatory - - - - Existence of step up or other incentive to redeem - - - - Noncumulative or cumulative - - - - Convertible or non-convertible If convertible, conversion trigger (s) - - - - If convertible, fully or partially - - - - If convertible, conversion rate - - - - If convertible, mandatory or optional conversion - - - - If convertible, specify instrument type convertible into - - - - If convertible, specify issuer of instrument it converts into - - - - Write-down feature If write-down, write-down trigger(s) - - - Decrease in core capital adequacy ratio below 5,125% If write-down, full or partial - - - Fully or partially If write-down, permanent or temporary - - - Permanent or temporary If temporary write-down, description of write-up mechanism - - - - Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) After borrowing, before Additional Tier I Capital After borrowing, before Additional Tier I Capital After borrowing, before Additional Tier I Capital After borrowings and Tier II Capital In compliance with article number 7 and 8 of “Own fund regulation” The instrument is in compliance with article number 8. The instrument is in compliance with article number 8. The instrument is in compliance with article number 8. 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 article numbered 7. The instrument is not in compliant with article numbered 7. The instrument is not in compliant with article numbered 7. The instrument is not in compliant with article numbered 8.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 38 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) I. EXPLANATIONS ON THE CONSOLIDATED EQUITY (continued) (3) Information about instruments to be included in the Equity Calculation: (continued) Information about instruments included in total capital calculation: Issuer T. Halk Bankası AŞ T. Halk Bankası AŞ T. Halk Bankası AŞ Türkiye Varlık Fonu Unique identifier (CUSIP, ISIN etc.) XS3246998135 XS3314690176 TRSTHALA9913 - Governing Law(s) of the instrument BRSA and CMB Legislation BRSA and CMB Legislation BRSA and CMB Legislation BRSA Legislation Regulatory treatment Subject to 10% deduction as of 1/1/2015 No No No No Eligible at unconsolidated / consolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Consolidated - Unconsolidated Instrument type (types to be specified by each jurisdiction) Bond Bond Bond Loan Amount recognized in regulatory capital (Currency in mil, as of most recent reporting date) 13.973 9.781 11.000 16.500 Par value of instrument (Currency in mil) 13.973 9.781 11.000 - Accounting classification 347.001 347.001 346.001 346.0001 Original date of issuance 11.12.2025 27.03.2026 25.06.2026 27.12.2024 Demand or time Demand Demand Demand Demand Original maturity date 11.12.2025 27.03.2026 25.06.2026 27.12.2024 Issuer call subject to prior supervisory approval Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Early redemption option at the end of the fifth year Optional call date, contingent call dates and redemption amount - - - - Subsequent call dates, if applicable - - - - Coupons / dividends Fixed or floating dividend/coupon Fixed Fixed Indexed to TLREF Indexed to TLREF Coupon rate and any related index 8,90% 8,30% 6 months TLREF+1,45 bps TLREF Existence of a dividend stopper - - - - Fully discretionary, partially discretionary or mandatory - - - - Existence of step up or other incentive to redeem - - - - Noncumulative or cumulative - - - - Convertible or non-convertible If convertible, conversion trigger (s) - - - - If convertible, fully or partially - - - - If convertible, conversion rate - - - - If convertible, mandatory or optional conversion - - - - If convertible, specify instrument type convertible into - - - - If convertible, specify issuer of instrument it converts into - - - - Write-down feature If write-down, write-down trigger(s) Decrease in core capital adequacy ratio below 5,125% Decrease in core capital adequacy ratio below 5,125% Decrease in core capital adequacy ratio below 5,125% Decrease in core capital adequacy ratio below 5,125% If write-down, full or partial Fully or partially Fully or partially Fully or partially Fully or partially If write-down, permanent or temporary Permanent or temporary Permanent or temporary Permanent or temporary Permanent or temporary If temporary write-down, description of write-up mechanism - - - - Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) After borrowings and Tier II Capital After borrowings and Tier II Capital After borrowings and Tier II Capital After borrowings 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. The instrument is in compliance with article number 7. The instrument is in compliance with article number 7. 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 article numbered 8. The instrument is not in compliant with article numbered 8. The instrument is not in compliant with article numbered 8. The instrument is not in compliant with article numbered 8.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 39 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) II. EXPLANATIONS ON THE CONSOLIDATED CURRENCY RISK Foreign currency risk indicates the probability of loss that banks are subject to due to the exchange rate movements in the market. While calculating the share capital requirement, all foreign currency assets, liabilities and forward transactions of the Gr oup are taken into consideration. Net short term and long term positions of each currency are calculated in terms of the Turkish Lira. In accordance with “Regulation on Measurement and Evaluation of Capital Adequacy of Banks”, the foreign currency position risk of the Group is measured by “standard method” and is calculated daily and is reported monthly. In addition to the standard method, foreign currency risk is also calculated by using internal methods and the value at risk (VaR) calculated in this way is reported to the senior management. In addition, the value at risk limit determined by the Parent Bank's Board of Directors for the value at risk, including the currency risk, is monitored daily and reported to the senior management. As a foreign currency risk management policy, the Parent Bank is not exposed to currency risk to a significant extent and positions related to currency risk are balanced with derivative transactions made when deemed necessary. Current foreign exchange buying rates announced by the Parent Bank as of the financial statement date and the last 5 business days before that, and foreign exchange buying rates of the Parent Bank for the thirty days before the financial statement date are as follows: USD EUR CHF GBP JPY Balance sheet valuation rate: 46,5777000 53,1545000 57,5343000 61,5764000 0,2859304 Before the balance sheet date; Current foreign exchange buying rate on the 1st business day 46,5625000 53,1674000 57,5262000 61,5725000 0,2867198 Current foreign exchange buying rate on the 2nd business day 46,4543000 53,0369000 57,4174000 61,3437000 0,2865757 Current foreign exchange buying rate on the 3rd business day 46,4348000 52,8126000 57,2091000 61,1974000 0,2862960 Current foreign exchange buying rate on the 4th business day 46,4173000 52,6581000 57,0293000 60,9727000 0,2861261 Current foreign exchange buying rate on the 5th business day 46,3987000 52,7971000 57,1964000 61,1567000 0,2863124 Last 30 days arithmetic average: 46,1871682 53,1784545 57,6681955 61,4721682 0,2864312

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 40 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) II. EXPLANATIONS ON THE CONSOLIDATED CURRENCY RISK (continued) Information related to currency risk: Current Period EUR USD OTHER FC TOTAL Assets Cash (cash in vault, foreign currency cash, money in transit, cheques purchased, precious metals) and balances with the CBRT 165.890 108.898 154.981 429.769 Banks 8.511 19.524 9.144 37.179 Financial assets at fair value through profit and loss 27 140 74.651 74.818 Money market placements - - 2.950 2.950 Financial assets at fair value through other comp. income 18.287 143.982 20.790 183.059 Loans 468.773 269.235 86.167 824.175 Subsidiaries, associates and joint ventures 4.164 - - 4.164 Financial assets measured at amortised cost 391 105.025 493 105.909 Derivative financial assets held for risk management - - - - Tangible assets - 2 4.857 4.859 Intangible assets - - 1.200 1.200 Other assets(2) 13.507 12.322 2.779 28.608 Total assets 679.550 659.128 358.012 1.696.690 Liabilities Bank deposits 238.621 66.214 1.491 306.326 Foreign currency deposits 423.776 320.020 439.758 1.183.554 Money market funds 16.007 58.339 - 74.346 Funds provided from other financial institutions 26.173 125.708 3.225 155.106 Securities issued - - - - Miscellaneous payables 4.696 2.415 2.196 9.307 Derivative financial liabilities held for risk management - - - - Other liabilities(2) 3.177 61.067 3.205 67.449 Total liabilities 712.450 633.763 449.875 1.796.088 Net balance sheet position (32.900) 25.365 (91.863) (99.398) Net off-balance sheet position 14.872 (30.068) 127.312 112.116 Financial derivative assets(3)(4) 61.280 142.353 147.870 351.503 Financial derivative liabilities(3)(4) 46.408 172.421 20.558 239.387 Non-cash loans(1) 230.902 212.046 43.201 486.149 Prior period Total assets 638.622 612.629 346.421 1.597.672 Total liabilities 702.498 599.285 381.817 1.683.600 Net balance sheet position (63.876) 13.344 (35.396) (85.928) Net off-balance sheet position 50.280 (10.707) 69.496 109.069 Financial derivative assets 77.002 93.035 75.185 245.222 Financial derivative liabilities 26.722 103.742 5.689 136.153 Non-cash loans(1) 206.953 173.148 39.163 419.264 (1) Non-cash loans are not included in the off-balance sheet position items. (2) In accordance with the principles of the “Regulation on Measurement and Practices of Banks’ Net Overall FC Position / Shareholders’ Equity Ratio on a Consolidated and Unconsolida ted Basis”, Foreign currency derivative financial instruments foreign currency income discounts, equity and derivative financial instruments foreign currency expense discounts in liabilities are not taken into consideration in the currency risk measurement. (3) Receivables from derivative financial instruments include forward precious metal purchase transactions amounted to TRY 2.678, precious metal swap purchase transactions amounted to TRY 132.828, and precious metal purchase option transactions amounted to TR Y 1.132. Payables from derivative financial instruments include forward precious metal sale transactions amounted to TRY 1.537 and precious metal sale option transactions amounted to TRY 1.133. Besides, derivative transactions within the scope of forward f oreign currency purchase and forward foreign currency sale commitments are included. (4) In accordance with the provisions of the “Regulation on the Calculation and Application of the Standard Foreign Currency Net General Position/ Equity Ratio by Banks on a Consolidated and Unconsolidated Basis”, money options are included in the calculation of exchange rate risk with delta equivalents.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 41 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) III. EXPLANATIONS ON THE CONSOLIDATED INTEREST RATE RISK Loss that may arise due to asset -liability and interest -sensitive assets mismatches based on the repricing (interest rate change) periods of the off -balance sheet positions represent the interest rate ris k. Among the positions subject to these risks, those evaluated in trading accounts are taken into account in market risk, while positions in banking books are subject to interest rate risk calculations arising from banking books. The Parent Bank's interest rate risks are monitored with internal limits determined within the scope of the “Policies for the Management of Interest Rate Risk” which is approved by the Board of Directors. Interest rate risks are measured on a daily basis primarily through risk weig hted asset and economic value change measurements, sensitivity, duration and gap analyses. Measurement results are daily reported to the Parent Bank's Top Management and related business units. 1. Information related to the interest rate sensitivity of assets, liabilities and off-balance sheet items (based on re- pricing dates): Current Period Up to 1 month 1-3 months 3-12 months 1-5 years 5 years and over Non-bearing interest Total Assets Cash (cash in vault, foreign currency cash, money in transit, cheques purchased, precious metals) and balances with the CBRT 277.786 - - - - 493.805 771.591 Banks 35.170 3.602 194 460 - 36.130 75.556 Financial assets at fair value through profit and loss 7.368 836 20.516 49.661 - 9.169 87.550 Money market placements 3.666 - - - - - 3.666 Financial assets at fair value through other comprehensive income 90.761 28.662 45.354 80.557 79.077 2.056 326.467 Loans 1.023.410 238.067 184.979 233.467 599.335 224.225 2.503.483 Financial assets measured at amortised cost 217.817 88.275 169.081 134.505 247.346 - 857.024 Other assets(1)(4) 28.211 18.044 13.021 11.883 1.588 281.602 354.349 Total assets 1.684.189 377.486 433.145 510.533 927.346 1.046.987 4.979.686 Liabilities Bank deposits 168.490 13.123 2.152 - - 235.018 418.783 Other deposits 1.940.395 412.118 97.013 12.315 709 905.987 3.368.537 Money market funds 314.669 44.922 147 - - 415 360.153 Miscellaneous payables 8.742 - - - - 104.257 112.999 Securities issued 9.156 21.761 4.358 - - - 35.275 Funds provided from other financial institutions(3) 26.733 91.420 35.170 4.248 429 3.225 161.225 Other liabilities (1)(2) 1.000 40.710 74.078 - - 406.926 522.714 Total liabilities 2.469.185 624.054 212.918 16.563 1.138 1.655.828 4.979.686 Balance sheet long position - - 220.227 493.970 926.208 - 1.640.405 Balance sheet short position (784.996) (246.568) - - - (608.841) (1.640.405) Off-balance sheet long position 243.078 60.690 38.048 14.909 - - 356.725 Off-balance sheet short position (254.364) (66.773) (37.990) (15.052) - - (374.179) Total position (796.282) (252.651) 220.285 493.827 926.208 (608.841) (17.454) (1) TRY 20.568 of deferred tax assets is disclosed under the non-bearing interest column in other assets, TRY 12.848 of deferred tax liability is disclosed under the non-bearing interest column in other liabilities. (2) Shareholders’ equity balance is disclosed under the non-bearing interest column in other liabilities line. (3) Funds provided from other financial institutions include borrowings. (4) Other asset items which are not expected to be converted into cash in short term but required for continuity of banking operations like lease receivables, factoring receivables, non current assets held for sale and discontinued operations, tangible and intangible assets, office s upply inventory, associates and subsidiaries and prepaid expenses and expected credit losses are disclosed in other assets under the interest-free column.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 42 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) III. EXPLANATIONS ON THE CONSOLIDATED INTEREST RATE RISK (continued) 1. Information related to the interest rate sensitivity of assets, liabilities and off-balance sheet items (based on re- pricing dates): (continued) Prior Period Up to 1 month 1-3 months 3-12 months 1-5 years 5 years and over Non-bearing interest Total Assets Cash (cash in vault, foreign currency cash, money in transit, cheques purchased, precious metals) and balances with the CBRT 261.042 - - - - 607.266 868.308 Banks 36.581 2.368 127 389 - 23.763 63.228 Financial assets at fair value through profit and loss 288 62.040 42.332 - - 8.954 113.614 Money market placements 24 - - - - - 24 Financial assets at fair value through other comprehensive income 48.540 28.093 96.106 69.853 60.579 1.905 305.076 Loans 943.975 336.429 287.751 269.773 90.728 167.331 2.095.987 Financial assets measured at amortised cost 189.212 88.794 112.456 195.829 208.041 - 794.332 Other assets(1)(4) 18.813 10.982 16.931 11.382 1.699 196.694 256.501 Total assets 1.498.475 528.706 555.703 547.226 361.047 1.005.913 4.497.070 Liabilities Bank deposits 219.788 20.263 1.137 - - 241.814 483.002 Other deposits 1.607.663 591.671 89.045 10.427 661 825.369 3.124.836 Money market funds 202.859 38.056 - - - 279 241.194 Miscellaneous payables 10.600 - - - - 83.181 93.781 Securities issued 5.747 7.204 8.809 - - - 21.760 Funds provided from other financial institutions(3) 25.173 58.807 26.066 3.525 340 2.300 116.211 Other liabilities(1)(2) 1.000 30.927 59.357 - - 325.002 416.286 Total liabilities 2.072.830 746.928 184.414 13.952 1.001 1.477.945 4.497.070 Balance sheet long position - - 371.289 533.274 360.046 - 1.264.609 Balance sheet short position (574.355) (218.222) - - - (472.032) (1.264.609) Off-balance sheet long position 166.173 58.014 29.373 14.324 - - 267.884 Off-balance sheet short position (166.105) (60.483) (29.695) (13.989) - - (270.272) Total position (574.287) (220.691) 370.967 533.609 360.046 (472.032) (2.388) (1) TRY 19.380 of deferred tax assets is disclosed under the non-bearing interest column in other assets, TRY 9.228 of deferred tax liability is disclosed under the non-bearing interest column in other liabilities. (2) Shareholders’ equity balance is disclosed under the non-bearing interest column in other liabilities line. (3) Funds provided from other financial institutions include borrowings. (4) Other asset items which are not expected to be converted into cash in short term but required for continuity of banking operations like lease receivables, factoring receivables, non current assets held for sale and discontinued operations, tangible and intangible assets, office s upply inventory, associates and subsidiaries and prepaid expenses and expected credit losses are disclosed in other assets under the interest-free column.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 43 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) III. EXPLANATIONS ON THE CONSOLIDATED INTEREST RATE RISK (continued) 2. Average interest rates applied to the monetary financial instruments of the Group (%): Current Period EUR USD JPY TRY Assets Cash (cash in vault, foreign currency cash, money in transit, cheques purchased) and balances with the CBRT - 1,13 - 26,60 Banks(1) 2,56 3,40 - 37,98 Financial assets at fair value through profit and loss 3,73 4,65 - 37,23 Money market placements - - - 43,00 Financial assets at fair value through other comprehensive income 4,63 6,21 - 34,66 Loans(2) 6,58 8,27 - 41,25 Financial assets measured at amortised cost 5,16 5,78 - 35,99 Liabilities Bank deposits(4) 0,55 2,56 - 40,63 Other deposits (4) 1,20 1,88 - 35,38 Money market funds 3,97 3,75 - 40,15 Miscellaneous payables(3) - - - 5,00 Securities issued (5) - 9,03 - 51,10 Funds provided from other financial institutions 4,42 6,22 - 40,99 (1) Interest rates are calculated using weighted average method for placements as of the balance sheet date. (2) Interest rates for loans given as of the balance sheet date are calculated by using client based weighted average interests. (3) Equals to 12-month TRY deposit base interest rate announced as of 30 June 2026. (4) Demand deposit amounts are considered in the average interest rate calculation. (5) Subordinated debt instruments are presented under securities issued. Prior Period EUR USD JPY TRY Assets Cash (cash in vault, foreign currency cash, money in transit, cheques purchased) and balances with the CBRT - 1,76 - 20,77 Banks(1) 2,90 3,85 - 37,23 Financial assets at fair value through profit and loss 3,86 4,65 - 36,24 Money market placements - - - 37,98 Financial assets at fair value through other comprehensive income 4,81 6,13 - 36,05 Loans(2) 6,43 8,19 - 43,59 Financial assets measured at amortised cost 4,31 5,76 - 36,50 Liabilities Bank deposits(4) 0,39 2,34 - 37,10 Other deposits (4) 1,01 1,54 - 34,02 Money market funds 3,87 3,99 - 44,70 Miscellaneous payables(3) - - - 5,00 Securities issued (5) - 4,59 - 53,35 Funds provided from other financial institutions 4,46 6,30 - 41,83 (1) Interest rates are calculated using weighted average method for placements as of the balance sheet date. (2) Interest rates for loans given as of the balance sheet date are calculated by using client based weighted average interests. (3) Equals to 12-month TRY deposit base interest rate announced as of 31 December 2025. (4) Demand deposit amounts are considered in the average interest rate calculation. (5) Subordinated debt instruments are presented under securities issued.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 44 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) IV. EXPLANATIONS ON THE CONSOLIDATED POSITION RISK OF SHARES Information on the carrying value, fair value, market value and capital requirement amounts of equity investments resulting from banking accounts: Comparison Equities Carrying Value(1) Fair Value Change(2) Market Value Capital Requirements Stock investment excluding A,B,C,D group 5.039 - - 937 (1) Includes TRY 139 of unconsolidated associates, TRY 151 of unconsolidated subsidiaries and TRY 4.749 of associates accounted for under the equity method. (2) Investments that are not measured at fair value are not included in the table above. Realized gain s/losses, revaluation surpluses and unrealized gains/losses on equity securities and results included in Common Equity and Tier II Capital: Realized gains/ losses in the current period Revaluation Increases Unrealized gains and losses Portfolio Total Included To Total Core Capital Total Included To Total Core Capital Included to Supplementary Capital 1. Private equity investments - - - - - - 2. Share certificates quoted on a stock exchange - - - - - - 3. Other share certificates - 2.468 2.468 - - - Total - 2.468 2.468 - - -

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 45 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO The liquidity risk occurs when there is insufficient cash or cash inflows to meet the cash outflows fully and timely. Liquidity risk may also occur when the market penetration is not adequate, when the open position cannot be closed immediately at the suitable prices in sufficient amounts due to barriers and break -ups in the markets. The liquidity risks of the Parent Bank are managed within the framework of risk and transaction limits approved by the Board of Directors, and the written duties and responsibilities of the units related to liquidity risk management is established. Although the Board of Directors is primarily responsible for managing liquidity risk, committees have been established to ensure the efficient function. The com mittees responsible for managing liquidity risk are the Asset-Liability Committee (ALCO) and the Liquidity Risk Committee. The desired level of risk that the bank intends to assume with regard to liquidity risk is determined within the Risk Appetite Framework Directive approved by the Parent Bank's Board of Directors. Within the scope of the risk appetite framework, the level of risk capacity, risk appetite, and trigger levels have been determined on both consolidated and non-consolidated bases. Regarding treasury transactions; maturity and amount limits are determined for TRY and FC transactions made in the interbank over-the-counter market, and limits are set on the maximum foreign currency position, forward and swap transactions that can be carried. Liquidity risk analyzes are conducted on a daily/weekly/monthly basis and shared with the Parent Bank's top management and related departments. Periodical stress tests are performed in line with the Parent Bank’s liquidity management policies. The Parent Bank has determined a high-quality liquid asset stock as a liquidity buffer for managing liquidity risk. Extending the maturity structure of the time deposits, which constitute a significant source of funds for the Parent Bank, developing new products to encoura ge savings, and maintaining the core deposit level are adopted as strategic objectives to reduce liquidity risk. Limits and principles regarding the issuance of bonds and bills in TRY have been determined to provide long-term funding other than deposits as part of extending the maturity structure of liabilities. In line with the Parent Bank's needs, new borrowing opportunities are utilized, and within this framework, price/cost movements in international capital markets are closely monitored, and alternative sources of funding are evaluated when conditions are favorable. The Parent Bank aims to obtain its funding sources from the longest -term and most stable sources possible, taking into account legal and internal limits as well as cost factors. In this context, concentration ratios such as the share of retail funding sources in total sources, the share of high -value deposits in total deposits, and the share of money market funds in bank borrowings and market volumes are monitored daily within the framework of the Liquidity Early Warning System. Short-term or daily foreign currency liquidity needs can be met through swap transactions, and sufficient liquidity is kept with correspondent banks for effective management of repayments. Adequate liquidity buffer is maintained by the Parent Bank to meet its intraday liquidity and short -term liquidity needs. In general context, liquidity management is managed within the limits defined by the market makers for the Parent Bank and the limit structures defined by the Parent Bank on the basis of counterparty and transaction type. The reduction of liquidity risk is provided by effective collateral management structure. Upper borrowing limits are determined under certain criteria and balance sheet size related to the domestic organized markets (CBRT, BIST and Takasbank) by the relevant authorities. Existing limits available to use are continuously monitored, through the Parent Bank’s projected and instant liquidity needs under the condition that depositing and/or withdrawing additional collateral. The Risk Management Department conducts routine and periodic stress tests based on rapid deposit outflows, defaults on cash and non -cash loans, liquidity outflows with significant loan expansions that may affect the Parent Bank's liquidity such as pandemics and natural disasters, potential losses in the Parent Bank's securities portfolio, FC outflows, scenarios related to the obligations of subsidiaries, and similar fundamental issues. Stress test scenarios that are for other all matte rs related to liquidity risk management are prepared in collaboration with relevant business units. Analysis of stress test scenarios is shared with the Parent Bank's Top Management and relevant business units, and necessary actions are taken.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 46 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Systemic and bank specific metrics within the scope of “Liquidity Emergency Action Plan” (LEAP) approved by the Board of Directors and early warning indicators related to these metrics are monitored on a daily basis. Written actions, if required, to be taken as part of this plan are determined. In extent with LEAP, necessary actions and their priority for possible liquidity stress/crisis have been determined. The Parent Bank does not have any operational or legal restrictions on liquidity transfer to subsidiaries or foreign branches. Each of the consolidated subsidiaries manage their own liquidity risk and liquidity adequacy is ensured on a consolidated basis. Liquidity Coverage Ratio: According to the BRSA’s “Regulation for Banks’ Liquidity Coverage Ratio Calculations” published in t he Official Gazette No. 28948 dated 21 March 2014, FC and TRY+FC liquidity coverage ratios are calculated by using high quality liquid assets divided by net cash outflows. Within this context, the Parent Bank is required to have the ability to cover net cash outflows with high quality liquid assets and its related ratios should be in compliance with the legal limits. In accordance with the relevant Regulation, liquidity coverage ratio is calculated by taking the monthly simple arithmetic average on a consolidated basis and by taking the weekly simple arithmetic average on a non-consolidated basis. During the second quarter of 2026, total high -quality liquid assets in TRY+FC decreased as a result of the decline in the Parent Bank’s unrestricted securities portfolio, despite an increase in the balance of liquid assets held with the CBRT. Net cash outflows increased during the period, primarily driven by higher cash outflows resulting from growth in the deposit balance. As a result of the increase in net cash outflows together with the decline in high-quality liquid assets, the TRY+FC liquidity coverage ratio decreased during the quarter. On the other hand, the foreign currency liquidity coverage ratio declined during the second quarter due to the increase in net foreign currency cash outflows and the decrease in high-quality foreign currency liquid assets. Derivative transactions did not cause a net cash outflow that would negatively affect the liquidity position. However, there are periodical fluctuations in the foreign currency liquidity coverage ratio due to foreign currency swap transactions that have TRY side. The estimated cash outflows from derivative financial instruments and other liabilities calculated on the basis of the changes in fair value in the las t 24 months are TRY 9.241. The consolidated liquidity coverage ratios for the last three months are indicated in the table below. Current Period FC (%) TRY+FC (%) April 2026 249,11 173,59 May 2026 241,61 174,74 June 2026 222,96 167,20 Prior Period FC (%) TRY+FC (%) October 2025 223,90 185,73 November 2025 239,43 182,14 December 2025 236,66 180,14

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 47 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Liquidity Coverage Ratio: Total Unweighted Value (average) (1) Total Weighted Value (average) (1) Current Period TRY+FC FC TRY+FC FC High Quality Liquid Assets High Quality Liquid Assets 1.456.487 640.601 Cash Outflows Retail and Small Business Customers Deposits; 1.751.889 739.476 158.499 73.948 Stable Deposits 333.790 - 16.689 - Less Stable Deposits 1.418.099 739.476 141.810 73.948 Unsecured wholesale funding; 1.810.796 662.044 896.320 310.825 Operational Deposits 302.639 190.990 75.660 47.748 Non-operational Deposits 1.331.819 412.941 694.055 215.196 Other Unsecured Funding 176.338 58.113 126.605 47.881 Secured Funding - - Other cash outflows; 56.423 14.961 48.354 14.957 Derivatives cash outflow and liquidity needs related to market valuation changes on derivatives or other transactions 18.941 14.954 18.941 14.954 Obligations related to structured financial products - - - - Commitments related to debts to financial markets and other off- balance sheet obligations 37.482 7 29.413 3 Other revocable off-balance sheet commitments and Contractual Obligations - - - - Other irrevocable or conditionally revocable off-balance sheet Obligations 1.929.051 458.915 133.532 33.428 Total Cash Outflows 1.236.705 433.158 Cash Inflows Secured Lending - - - - Unsecured Lending 561.288 106.575 386.767 92.182 Other Cash Inflows 438 68.992 438 68.992 Total Cash Inflows 561.726 175.567 387.205 161.174 Total Adjusted Value Total HQLA Stock 1.456.487 640.601 Total Net Cash Outflows 849.500 271.984 Liquidity Coverage Ratio (%) 171,88% 237,93% (1) Calculated by simple arithmetic average, monthly average calculated for the last three months of the values.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 48 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Liquidity Coverage Ratio: (continued) Total Unweighted Value (average) (1) Total Weighted Value (average) (1) Prior Period TRY+FC FC TRY+FC FC High Quality Liquid Assets High Quality Liquid Assets 1.506.640 654.408 Cash Outflows Retail and Small Business Customers Deposits; 1.573.051 607.316 142.580 60.732 Stable Deposits 294.494 - 14.725 - Less Stable Deposits 1.278.557 607.316 127.855 60.732 Unsecured wholesale funding; 1.595.590 597.132 774.150 258.663 Operational Deposits 315.990 209.933 78.998 52.483 Non-operational Deposits 1.170.013 357.289 614.159 176.682 Other Unsecured Funding 109.587 29.910 80.993 29.498 Secured Funding - - Other cash outflows; 33.255 4.152 28.310 4.143 Derivatives cash outflow and liquidity needs related to market valuation changes on derivatives or other transactions 4.396 3.775 4.396 3.776 Obligations related to structured financial products 361 361 361 361 Commitments related to debts to financial markets and other off- balance sheet obligations 28.498 16 23.553 6 Other revocable off-balance sheet commitments and Contractual Obligations - - - - Other irrevocable or conditionally revocable off-balance sheet Obligations 1.608.293 395.133 114.392 29.538 Total Cash Outflows 1.059.432 353.076 Cash Inflows Secured Lending - - - - Unsecured Lending 368.390 51.339 232.118 40.418 Other Cash Inflows 1.429 30.838 1.429 30.838 Total Cash Inflows 369.819 82.177 233.548 71.256 Total Adjusted Value Total HQLA Stock 1.506.640 654.408 Total Net Cash Outflows 825.884 281.820 Liquidity Coverage Ratio (%) 182,68% 233,26% (1) Calculated by simple arithmetic average, monthly average calculated for the last three months of the values.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 49 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) 1. Presentation of assets and liabilities according to their remaining maturities: The Parent Bank follows up and measures the consistency of payments comparing its assets and liabilities with the interest rates on a daily and transactional basis. Current Period Demand Up to 1 month 1-3 months 3-12 months 1-5 years 5 years and over Undistributed Total Assets Cash (cash in TRY, foreign currency cash, money in transit, cheques purchased, precious metals) and balances with the CBRT 389.445 1.411 369.883 7.716 3.070 66 - 771.591 Banks 35.876 35.195 3.616 173 473 176 47 75.556 Financial assets at fair value through profit and loss 816 7.365 836 20.517 49.661 2 8.353 87.550 Money market placements - 3.666 - - - - - 3.666 Financial assets at fair value through other comprehensive income - 54.762 13.923 39.274 129.327 87.125 2.056 326.467 Loans(4) 20.859 222.226 111.754 880.940 980.289 179.719 107.696 2.503.483 Financial assets measured at amortised cost - 56.507 24.165 139.199 351.511 285.642 - 857.024 Other assets (2) - 28.427 18.218 13.520 12.959 1.787 279.438 354.349 Total assets 446.996 409.559 542.395 1.101.339 1.527.290 554.517 397.590 4.979.686 Liabilities Bank deposits 233.699 169.661 13.253 2.170 - - - 418.783 Other deposits 879.895 1.957.681 419.596 98.100 12.518 747 - 3.368.537 Funds provided from other financial institutions (3) 10 2.364 17.277 51.095 76.749 13.730 - 161.225 Money market balances - 315.006 16.998 147 28.002 - - 360.153 Bonds issued - 9.156 21.761 4.358 - - - 35.275 Miscellaneous Payables 299 68.673 1.418 6.362 14.212 14 22.021 112.999 Other liabilities (1) 354 79.669 5.466 2.450 91.061 34.508 309.206 522.714 Total liabilities 1.114.257 2.602.210 495.769 164.682 222.542 48.999 331.227 4.979.686 Liquidity Gap (667.261) (2.192.651) 46.626 936.657 1.304.748 505.518 66.363 - Net off-Balance Sheet Position - (11.287) (6.083) 59 (143) - - (17.454) Derivative Financial Assets - 243.077 60.690 25.468 27.490 - - 356.725 Derivative Financial Liabilities - (254.364) (66.773) (25.409) (27.633) - - (374.179) Non-Cash Loans 454.379 39.507 83.975 470.877 275.496 62.755 - 1.386.989 Prior Period Total Assets 539.225 761.389 501.133 624.043 1.291.520 493.419 286.341 4.497.070 Total Liabilities 1.048.371 2.157.373 656.179 147.708 163.337 42.844 281.258 4.497.070 Liquidity Gap (509.146) (1.395.984) (155.046) 476.335 1.128.183 450.575 5.083 - Net off-Balance Sheet Position - 68 (2.469) (322) 335 - - (2.388) Derivative Financial Assets - 166.173 58.014 17.191 26.506 - - 267.884 Derivative Financial Liabilities - (166.105) (60.483) (17.513) (26.171) - - (270.272) Non-Cash Loans 413.617 28.542 92.248 393.215 228.104 48.824 - 1.204.550 (1) Shareholders’ equity is disclosed in other liabilities line under the undistributed column. (2) Other asset items which are not expected to be converted into cash in short term but required for continuity of banking operations like lease receivables, factoring receivables, non current assets held for sale and discontinued operations, tangible and intangible assets, office supply inventory, associates and subsidiaries and prepaid expenses and expected credit losses are disclosed in other assets under the interest-free column. (3) Funds provided from other financial institutions include borrowings. (4) Non-performing loans is disclosed in under the undistributed column.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 50 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Net Stable Funding Ratio: In accordance with the “Regulation on Calculation of Net Stable Funding Ratio of Banks” published by BRSA in the Official Gazette dated 26 May 2023 and numbered 32202, foreign currency (FC) and total (TRY+FC) NSFR ratios are calculated by dividing the available stable funding amount by the required stable funding amount. In this context, the Parent Bank is required to cover the portion of equity and liabilities expected to be permanent with assets according to its liquidity capacity and to comply with the legal limits regarding the related ratios. In accordance with the related Regulation, the Net Stable Funding Ratio is calculated on a consolidated and unconsolidated basis on a monthly basis and at the end of three months by taking the simple arithmetic average. Considering the second quarter of 2026, deposits of real persons and retail customers constitute 55,46% of the total available stable fund amount on a consolidated basis, while payables to other persons constitute 30,11% of the available stable fund amount. The largest share of the required stable fund amount, 71,70%, is composed of performing receivables.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 51 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Net Stable Funding Ratio: Current Period a b c d e Unweighted Amount According to Residual Maturity Weighted value Demand* Less than 6 months 6 months to < 1 year 1 year and more than 1 year Available stable funding 1 Capital 297.082 - - 59.097 356.179 2 Tier I and tier II capital 297.082 - - 59.097 356.179 3 Other capital instruments - - - - - 4 Deposits from natural persons and small business customers 616.542 1.085.445 33.468 9.286 1.586.905 5 Stable deposits /participation funds 119.134 212.003 737 883 316.119 6 Less stable deposits /participation funds 497.408 873.442 32.731 8.403 1.270.786 7 Wholesale funding 283.957 1.304.137 47.295 43.851 861.546 8 Operational deposits 48.578 131.665 23 - 90.133 9 Other wholesale funding 235.379 1.172.472 47.272 43.851 771.413 10 Liabilities with matching interdependent assets 11 Other liabilities 322.970 268.962 9.930 62.250 56.748 12 Derivative liabilities 10.467 13 All other equity and liabilities not included in the above categories 322.970 268.962 9.930 51.783 56.748 14 Available stable funding 2.861.378 Required stable funding 15 High-quality liquid assets (HQLA) 188.480 16 Deposits held at credit institutions or financial institutions for operational purposes - - - - - 17 Performing loans and securities 49.209 7.365.078 89.808.886 1.621.048 1.526.004 18 Performing loans to credit institutions or financial institutions secured by Level 1 HQLA 417 - - - 42 19 Performing loans to credit institutions or financial institutions secured by non Level 1 HQLA and unsecured performing loans to credit institutions or financial institutions 46.663 27.273 805 17.156 28.649 20 Performing loans to non financial corporate clients, loans to natural person customers and small business customers, and loans to sovereigns, central banks and PSEs - 81.747 309.396 1.385.228 1.304.994 21 Loans with a risk weight of less than or equal to 35% - - - 340.110 221.072 22 Performing loans encumbered with residential mortgages - 7.256.058 89.498.685 218.664 190.509 23 Loans with a risk weight of less than or equal to 35% - 7.256 89.499 218.664 190.509 24 Exchange traded equities and securities that are not in default and do not qualify as HQLA 2.129 - - - 1.810 25 Assets with matching interdependent liabilities 26 Other assets 309.732 - - 2.924 312.656 27 Physical traded commodities, including gold - - 28 Assets posted as initial margin for derivative contracts or contributions to default funds of central counterparties - - 29 Derivative assets 1.877 1.877 30 Derivative liabilities before deduction of variation margin posted 1.047 1.047 31 All other assets not included in the above categories 309.732 - - - 309.732 32 Off-balance sheet items 2.024.411 - - 101.221 33 Required Stable Fund 2.128.361 34 Net Stable Funding Ratio (%) %134,44 (*) Items reported in the Non-maturity column do not have a specific maturity. These include, but are not limited to, equity items with no fixed maturity, demand deposits, short positions, positions with no fixed maturity, high quality illiquid equities and commodities with physical delivery.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 52 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) V. EXPLANATIONS ON THE CONSOLIDATED LIQUIDITY RISK MANAGEMENT, LIQUIDITY COVERAGE RATIO AND NET STABLE FUNDING RATIO (continued) Net Stable Funding Ratio: Prior Period a b c d e Unweighted Amount According to Residual Maturity Weighted value Demand* Less than 6 months 6 months to < 1 year 1 year and more than 1 year Available stable funding 1 Capital 246.030 - - 56.213 302.243 2 Tier I and tier II capital 246.030 - - 56.213 302.243 3 Other capital instruments - - - - - 4 Deposits from natural persons and small business customers 523.370 1.077.199 32.632 8.897 1.493.037 5 Stable deposits /participation funds 104.926 196.642 681 728 287.828 6 Less stable deposits /participation funds 418.444 880.557 31.951 8.169 1.205.209 7 Wholesale funding 236.059 1.075.676 33.813 34.209 706.983 8 Operational deposits 44.262 124.432 - - 84.347 9 Other wholesale funding 191.797 951.244 33.813 34.209 622.636 10 Liabilities with matching interdependent assets 11 Other liabilities 425.883 365.984 9.466 33.610 38.343 12 Derivative liabilities 3.694 13 All other equity and liabilities not included in the above categories 425.883 362.290 9.466 33.610 38.343 14 Available stable funding 2.540.606 Required stable funding 15 High-quality liquid assets (HQLA) 136.726 16 Deposits held at credit institutions or financial institutions for operational purposes - - - - - 17 Performing loans and securities 12.385 54.162 378.862 1.402.931 1.310.168 18 Performing loans to credit institutions or financial institutions secured by Level 1 HQLA - - - - - 19 Performing loans to credit institutions or financial institutions secured by non Level 1 HQLA and unsecured performing loans to credit institutions or financial institutions 10.909 18.883 592 6.570 11.335 20 Performing loans to non financial corporate clients, loans to natural person customers and small business customers, and loans to sovereigns, central banks and PSEs - 27.500 296.208 1.223.429 1.140.253 21 Loans with a risk weight of less than or equal to 35% - - - 307.577 199.925 22 Performing loans encumbered with residential mortgages - 7.779 82.062 172.932 157.326 23 Loans with a risk weight of less than or equal to 35% - 7.779 82.062 172.932 157.326 24 Exchange traded equities and securities that are not in default and do not qualify as HQLA 1.476 - - - 1.254 25 Assets with matching interdependent liabilities 26 Other assets 310.701 - - 3.805 314.506 27 Physical traded commodities, including gold - - 28 Assets posted as initial margin for derivative contracts or contributions to default funds of central counterparties - - 29 Derivative assets 3.436 3.436 30 Derivative liabilities before deduction of variation margin posted 369 369 31 All other assets not included in the above categories 310.701 - - - 310.701 32 Off-balance sheet items 1.657.166 - - 82.858 33 Required Stable Fund 1.844.258 34 Net Stable Funding Ratio (%) %137,76 (*) Items reported in the Non-maturity column do not have a specific maturity. These include, but are not limited to, equity items with no fixed maturity, demand deposits, short positions, positions with no fixed maturity, high quality illiquid equities and commodities with physical delivery.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 53 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VI. EXPLANATIONS ON THE CONSOLIDATED LEVERAGE RATIO Summary comparison of the total assets and total risk exposure amounts included in the consolidated financial statements prepared in accordance with TAS. Current Period Prior Period Total Assets in The Consolidated Financial Statements Prepared in Accordance with TAS(1) 4.495.504 3.834.774 The difference between Total Assets in the Consolidated Financial Statements Prepared in Accordance with TAS and the Communiqué on Preparation of Consolidated Financial Statements of Banks(1) (1.566) (1.273) The difference between total amount of derivative financial instruments and credit derivatives in the consolidated financial statements prepared in accordance with the Communiqué on Preparation of Consolidated Financial Statements of Banks, and total risk balances of such instruments(2) 311.746 254.859 The difference between total amount of risk investmen t securities or commodity collateral financing transactions in the consolidated financial statements prepared in accordance with the Communiqué on Preparation of Consolidated Financial Statements of Banks, and total risk amount of such instruments(2) 320.646 264.149 The difference between total amount of off -balance sheet transactions in the consolidated financial statements prepared in accordance with the Communiqué on Preparation of Consolidated Financial Statements of Banks, and total risk amount of such items(2) 91.665 77.952 The other differences between amount of assets in the consolidated financial statements prepared in accordance with the Communiqué on Preparation of Consolidated Financial Statements of Banks, and total risk amount of such items - - Total Risk Amount 7.000.922 6.038.532 (1) The amounts are represented in the table as of 31 December 2025 and 30 June 2025. (2) The amounts in the table represent three-month averages.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 54 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VI. EXPLANATIONS ON THE CONSOLIDATED LEVERAGE RATIO (continued) Leverage ratio calculated according to the article ‘‘Regulation Regarding the Measurement and Evaluation of Banks’ Leverage Level’’ published in the Official Gazette No. 28812 dated 5 November 2013 is as follows. Current Period (1) Prior Period (1) On-Balance Sheet Assets 1.On-Balance Sheet Assets (Excluding Derivatives and Sfts, but Including Collateral) 4.900.096 4.364.881 2.Assets That Are Deducted from Core Capital (52.202) (34.191) 3.Total on Balance Sheet Exposures 4.847.894 4.330.690 Derivative Exposures And Credit Derivatives 4.Replacement Cost Associated with Derivative Financial Instruments and Credit Derivatives 640 2.477 5.The Potential Amount of Credit Risk with Derivative Financial Instruments and Credit Derivatives 5.023 4.364 6.The Total Amount of Risk on Derivative Financial Instruments and Credit Derivatives 5.663 6.841 Investment Securities Or Commodity Collateral Financing Transactions 7.The Amount of Risk Investment Securities or Commodity Collateral Financing Transactions (Excluding on Balance Sheet Assets) 21.628 13.563 8.Risk Amount of Exchange Brokerage Operations - - 9.Total Risks Related to Securities or Commodity Financing Transactions 21.628 13.563 Off -Balance Sheet Items 10.Gross Notional Amount of Off-Balance Sheet Items 2.217.402 1.765.390 11.Adjustments for Conversion to Credit Equivalent Amounts (91.665) (77.952) 12.The Total Risk of Off-Balance Sheet Items 2.125.737 1.687.438 Capital And Total Exposures 13.Tier 1 Capital 297.082 246.030 14.Total Exposures 7.000.922 6.038.532 Leverage Ratio 15.Leverage Ratio 4,24% 4,07% (1) The amounts in the table represent three-month averages. The change in the leverage ratio in the current period is primarily due to the increase in Tier 1 capital.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 55 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VII. EXPLANATIONS RELATED TO THE CONSOLIDATED BUSINESS SEGMENTATION The Group’s operations are grouped under the corporate, commercial, integrated banking and treasury/investment banking categories. Integrated branches primarily serve SMEs and individual customers. The Parent Bank is rendering services to a wide range of companies in all sectors, especially to Small and Medium Size Enterprises (SMEs) as well as individual consumers. In this context, the Parent B ank has no restrictions on the area in which it operates. The Parent Bank categorizes its real and legal entities that it renders services into three groups as; firms, individual customers and other customers. Firms are composed of traders and small -scale retailers having real and legal entity status. Within the Parent Bank’s application, firms are segmented as corporate firms, commercial firms, enterprising business firms, small size enterprises and small-scale retailers. Individual customers are real persons without having any commercial or professional purposes other than their individual demands in the Parent Bank’s application. Other customers are referred to as associations, organizations, trade unions, foundations, societies, building managements, parent-teacher associations and similar institutions that are not included in the afore-mentioned classification. The following are the services provided by the Parent Bank to all of its customers: • Accepting deposits, • Issuance of cash, noncash loans, • All kinds of reimbursements and cash receipt operations, including cash and deposit reimbursements, fund transfers, correspondent banking transactions and use of checking accounts, • Purchasing cheques and bank bills, • Performing custody services, • Issuing payment instruments such as; credit cards, cash cards and travel cheques, and performing related transactions, • Including spot transactions, foreign exchange transactions, trading of money market securities, bullion trading and/or performing the related custody services, • Trading of forward transaction agreements, option agreements and financial instruments with more than one derivative instrument and performing the related intermediary services based on the economic and financial indicators, capital markets instruments, commodities, precious metals and exchange rates, • Assuming guarantee transactions such as; warranties and other liabilities in favor of others, • Having intermediary transactions on Interbank money market transactions, • Rendering insurance agency transactions and individual pension services, • Acting as a market maker in trade operations in accordance with liabilities assumed within the context of the agreement organised by the Republic of Türkiye Ministry of Treasury and Finance and/or Central Bank and associations, • Trading capital market instruments and performing repurchase and reverse repo transactions, • Acting as an intermediary in the sale process of capital market instruments by means of issuing instruments or through a public offering, • Trading the capital market instruments in the secondary market for the purpose of performing intermediary services, • Acting as an operator in order to provide risk management systems related to technical support and consulting services, • Providing technical support and consulting services to Bank’s subsidiaries, • Acting as a custodian in order to keep client’s assets related to individual portfolio management of portfolio management companies, • Acting as a portfolio management agency Under the Treasury transactions, medium and long -term fund provision is performed through securities exchange, money market operatio ns, spot and time TRY and foreign exchange transactions, derivative instruments (such as; forwards, swaps, futures and options), syndication and securitization, etc.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 56 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VII. EXPLANATIONS RELATED TO THE CONSOLIDATED BUSINESS SEGMENTATION (continued) Details of the segment information prepared in accordance with the Act on “Disclosure of Financial Statements of Banks and The Related Presentations and Notes” as of 31 March 2026 are presented in the table below. Current Period Commercial/ Corporate Integrated Treasury/ Investment(1) Other(1) Total 1 January -30 June 2026 OPERATING INCOME / EXPENSES Interest Income 67.763 243.456 209.177 7.193 527.589 Interest on Loans 67.588 242.537 11.988 460 322.573 Interest Income on Marketable Securities 11 538 143.775 - 144.324 Interest from Banks 17 - 7.604 201 7.822 Other Interest Income 147 381 45.810 6.532 52.870 Interest Expense 156.808 208.981 75.524 4.937 446.250 Interest on Deposits 156.544 204.306 14.259 209 375.318 Funds Borrowed 107 422 7.007 1.118 8.654 Interest on Money Market Transactions - - 43.032 3.284 46.316 Securities Issued - - 10.251 321 10.572 Other Interest Expense 157 4.253 975 5 5.390 Net Interest Income (89.045) 34.475 133.653 2.256 81.339 Net Fees and Commissions Income 9.706 23.245 3.841 (684) 36.108 Trading Income/Loss (Net) 99 268 (16.787) 86 (16.334) Dividend Income - - 73 - 73 Other Income 2.562 3.693 14.636 2.980 23.871 Expected Loss Provisions Expenses 1.927 14.333 5.815 392 22.467 Other Expenses 3.121 33.106 41.422 3.240 80.889 Income Before Taxes (81.726) 14.242 88.179 1.006 21.701 Income Tax Provision - - (2.642) (447) (3.089) Net Profit For The Period (81.726) 14.242 85.537 559 18.612 SEGMENT ASSETS 30 June 2026 Marketable Securities(2) - 5.344 1.265.602 1 1.270.947 Derivative Financial Assets 7 115 2.049 - 2.171 Banks and Money Market Placements(2) 2.867 4 74.412 1.844 79.127 Investment in Associates and Subsidiaries (Net) - - 5.039 - 5.039 Loans(2) 954.445 1.468.002 441 - 2.422.888 Other Assets(2) 18.076 78.331 1.020.096 83.011 1.199.514 TOTAL ASSETS 975.395 1.551.796 2.367.639 84.856 4.979.686 SEGMENT LIABILITIES 30 June 2026 Deposits 1.295.597 2.134.870 331.663 25.190 3.787.320 Derivative Financial Liabilities 2 146 17.302 - 17.450 Money Market Funds - - 341.439 18.714 360.153 Borrowing Funding Loans 6.941 7.537 127.368 19.379 161.225 Securities Issued - - 8.901 26.374 35.275 Other Liabilities 39.301 64.176 204.803 7.469 315.749 Provisions and Current Tax Liabilities 5.188 10.247 38.291 390 54.116 Shareholders’ Equity (81.726) 14.242 308.327 7.555 248.398 TOTAL LIABILITIES 1.265.303 2.231.218 1.378.094 105.071 4.979.686 OFF-BALANCE SHEET ITEMS 30 June 2026 Guarantees and Warranties 615.847 559.947 210.683 512 1.386.989 Commitments 21.650 167.638 694.375 837 884.500 Derivative Financial Instruments - 31.972 698.932 - 730.904 TOTAL OFF-BALANCE SHEET ITEMS 637.497 759.557 1.603.990 1.349 3.002.393 (1) Amounts arising from transactions of general directorate and Halk Yatırım Menkul Değerler AŞ and Halk Gayrimenkul Yatırım Ortaklığı AŞ transactions are presented under the Treasury / Investment column, Halk Finansal Kiralama AŞ, Halk Faktoring AŞ, Halk Varlık Kiralama AŞ and Halk Elektronik Para ve Ödeme Hizmetleri AŞ activities presented under the Other column. (2) TFRS 9 Expected Credit Loss provisions are presented in related lines

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 57 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VII. EXPLANATIONS RELATED TO THE CONSOLIDATED BUSINESS SEGMENTATION (continued) Prior Period Commercial/ Corporate Integrated Treasury/ Investment(1) Other(1) Total 1 January -30 June 2025 OPERATING INCOME / EXPENSES Interest Income 54.674 185.465 191.593 5.117 436.849 Interest on Loans 54.568 185.297 7.513 341 247.719 Interest Income on Marketable Securities 7 104 140.304 - 140.415 Interest from Banks 46 - 4.117 138 4.301 Other Interest Income 53 64 39.659 4.638 44.414 Interest Expense 117.966 201.938 71.967 3.524 395.395 Interest on Deposits 117.470 198.793 19.674 156 336.093 Funds Borrowed 100 222 9.129 726 10.177 Interest on Money Market Transactions - 293 32.233 2.615 35.141 Securities Issued - - 9.100 24 9.124 Other Interest Expense 396 2.630 1.831 3 4.860 Net Interest Income (63.292) (16.473) 119.626 1.593 41.454 Net Fees and Commissions Income 6.634 17.740 3.534 (246) 27.662 Trading Income/Loss (Net) 73 10.527 (17.261) 144 (6.517) Dividend Income - - 49 - 49 Other Income 1.220 2.034 12.926 730 16.910 Expected Loss Provisions Expenses 2.012 6.948 4.800 64 13.824 Other Expenses 2.173 20.269 28.870 1.402 52.714 Income Before Taxes (59.550) (13.389) 85.204 755 13.020 Income Tax Provision - - 1.130 (342) 788 Net Profit For The Period (59.550) (13.389) 86.334 413 13.808 SEGMENT ASSETS 31 December 2025 Marketable Securities(2) - 2.323 1.210.604 1 1.212.928 Derivative Financial Assets 3 89 3.067 - 3.159 Banks and Money Market Placements(2) 1.610 4 60.462 1.134 63.210 Investment in Associates and Subsidiaries (Net) - - 4.938 - 4.938 Loans(2) 761.138 1.254.736 325 12.341 2.028.540 Other Assets(2) 16.386 53.269 1.051.887 62.753 1.184.295 TOTAL ASSETS 779.137 1.310.421 2.331.283 76.229 4.497.070 SEGMENT LIABILITIES 31 December 2025 Deposits 1.245.646 1.982.924 356.419 22.849 3.607.838 Derivative Financial Liabilities 1 125 2.652 - 2.778 Money Market Funds - - 226.914 14.280 241.194 Borrowing Funding Loans 6.273 8.012 88.724 13.202 116.211 Securities Issued - - 2.189 19.571 21.760 Other Liabilities 29.551 55.232 152.959 2.711 240.453 Provisions and Current Tax Liabilities 4.492 9.218 29.583 598 43.891 Shareholders’ Equity (130.972) (14.698) 362.095 6.520 222.945 TOTAL LIABILITIES 1.154.991 2.040.813 1.221.535 79.731 4.497.070 OFF-BALANCE SHEET ITEMS 31 December 2025 Guarantees and Warranties 540.310 492.694 171.449 97 1.204.550 Commitments 19.362 147.871 498.932 320 666.485 Derivative Financial Instruments - 31.715 506.441 - 538.156 TOTAL OFF-BALANCE SHEET ITEMS 559.672 672.280 1.176.822 417 2.409.191 (1) Amounts arising from transactions of general directorate and Halk Yatırım Menkul Değerler AŞ and Halk Gayrimenkul Yatırım Ortaklığı AŞ transactions are presented under the Treasury / Investment column, Halk Finansal Kiralama AŞ, Halk Faktoring AŞ and Halk Varl ık Kiralama AŞ activities presented under the Other column. (2) TFRS 9 Expected Credit Loss provisions are presented in related lines

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 58 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS Explanations Related To Risk Management The Parent Bank's business model creates a comprehensive risk profile that includes all units of the Bank. Credit risk is a key component of the risk profile. The Parent Bank effectively implements risk management policies and procedures for loan and other risks which is determined within the framework of risk capacity and appetite and approved by board of directors. Risk appetite and capacity, which are directly related to the Parent Bank's strategic objectives, are limited by legal rates therefore the Parent Bank associated with them. Regarding the risk management structure; The Internal Audit Department, Internal Control Department and Risk Management Department, which are units within the scope of internal systems, carry out their activities in accordance with the Regulation on Internal Systems of Banks and the Internal Capital Adequacy Assessment Process published in the Official Gazette No. 29057 dated 11 July 2014 and subject to the Board of Directors through the Audit Committee. The structure of the internal systems determines the level of risk by identifying the risks that the bank is exposed to. The Department of Compliance, another unit within the scope of internal sy stems, performs the compliance function of the Parent Bank's activities regarding MASAK and Anti -Money Laundering and Prevention of Terrorist Financing. In this direction, the relevant units are responsible for monitoring, controlling and reporting risks, limited to their areas of responsibility. Outside of internal systems, Top Management is directly responsible to the Board of Directors for the risks to which the Parent Bank is exposed in relation to its duties. The Parent Bank is using information tech nologies and training documents openly and effectively for the dissemination and application of risk culture, and the development of bank staff is supported in line with this goal with face to face learning and e -learning. In addition, all personnel are re gularly informed and aware of the risks that the Parent Bank is exposed to. Risk measurement systems are based on accepted risk models and workflows for the identification, monitoring and reporting of risks in accordance with legislation. Methods and software that are in line with international standards are used for risk groups such as credit, market, operational and counterparty credit risk etc. Within the scope of risk management activities, regular reporting and presentations are made by related units to the board of directors, asset-liability and audit committees and to the other committees, in order to manage the risks that the Parent Bank is exposed to more effectively, to support the decision making processes related to them, to create new strategies and policies. The Parent Bank reports to the BRSA by applying the stress tests determined in accordance with the Internal Capital Adequacy Assessment Process (ICAAP). In addition, stress tests are carried out in line with the scenarios created by the risks exposed and the macroeconomic conditions. This test which is made by applying shocks for various risk factors, shows the results on risk weighted assets, own funds and capital adequacy ratio. The Parent Bank monitors its effectiveness by closely monitoring the processes of managing and reducing the risks arising from the business model. The Parent Bank regularly revises the strategies it has established regarding these processes in line with the existing conditions and sets policies.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 59 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Overview of Risk Weighted Amounts (*): Risk Weighted Amounts Minimum Capital Requirements Current Period Prior Period Current Period Prior Period 1 Credit risk (excluding counterparty credit risk) (CCR) 2.536.910 1.925.744 202.953 154.060 2 Standardized approach (SA) 2.536.910 1.925.744 202.953 154.060 3 Internal rating-based (IRB) approach - - - - 4 Counterparty credit risk 29.530 13.927 2.362 1.114 5 Standardized approach for counterparty credit risk (SA-CCR) 29.530 13.927 2.362 1.114 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-through approach - - - - 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 69.736 58.596 5.579 4.688 17 Standardized approach (SA) 69.736 58.596 5.579 4.688 18 Internal model approaches (IMM) - - - - 19 Operational Risk 190.137 131.891 15.211 10.551 20 Basic Indicator Approach 190.137 131.891 15.211 10.551 21 Standard Approach - - - - 22 Advanced measurement approach - - - - 23 The amount of the discount threshold under the equity (subject to a 250% risk weight) 12.219 10.056 978 804 24 Floor adjustment - - - - 25 Total ( 1+4+7+8+9+10+11+12+16+19+23+24) 2.838.532 2.140.214 227.083 171.217 (*) Amounts below the thresholds for deductions from capital are excluded from credit risk standard approach of RWA amount.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 60 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Counterparty Credit Risk (CCR) Approach Analysis: Replacement cost Potential Future exposure EEPE(*) Alpha used for computing regulatory EAD EAD post- CRM Risk Weighted Assets Standardised Approach - CCR (for derivatives) 421 4.930 1,4 7.491 5.063 Internal Model Method (for repo transactions, securities or commodity lending or borrowing transactions, long settlement transactions and securities financing transactions) - - - - Simple Approach for credit risk mitigation (for repo transactions, securities or commodity lending or borrowing transactions, long settlement transactions and securities financing transactions) - - Comprehensive Approach for credit risk mitigation (for repo transactions, securities or commodity lending or borrowing transactions, long settlement transactions and securities financing transactions) 25.986 23.654 Value-at-Risk (VaR) for repo transactions, securities or commodity lending or borrowing transactions, long settlement transactions and securities financing transactions - - Total 33.477 28.717 * Expected effective positive risk amount. Capital requirement for credit valuation adjustment (CVA): EAD post-CRM Risk weighted amount Total portfolios subject to the Advanced CVA capital obligation - - (i) VaR component (including the 3*multiplier) - - (ii) Stressed VaR component (including the 3*multiplier) - - All portfolios subject to the Standardised CVA capital obligation 7.491 415 Total subject to the CVA capital obligation 7.491 415

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 61 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Standardised Approach - Counterparty Risk Per Risk Classification And Risk Weighted Amounts: Risk weight / Risk Classifications 0% 10% 20% 50% 75% 100% 150% 2% 4% Total Credit Risk Claims on sovereigns and Central Banks 20 - - - - - - - - 20 Claims on regional governments or local authorities - - - - - - - - - - Claims on administrative bodies and other non-commercial undertakings - - - - - 1.605 - - - 1.605 Claims on multilateral development banks - - - - - - - - - - Claims on international organizations - - - - - - - - - - Claims on banks and intermediary institutions - - 5.366 40 - 10.515 - - - 15.921 Claims on corporates - - 128 1 - 14.501 - - - 14.630 Claims included in the regulatory retail portfolios - - - - 1.301 - - - - 1.301 Claims secured by residential property - - - - - - - - - - Overdue loans - - - - - - - - - - Higher risk categories decided by the Board - - - - - - - - - - Secured by mortgages - - - - - - - - - - Securitization positions - - - - - - - - - - Short-term claims and short-term corporate claims on banks and intermediary institutions - - - - - - - - - - Undertakings for collective investments in mutual funds - - - - - - - - - - Equity share investments - - - - - - - - - - Other receivables - - - - - - - - - - Other assets - - - - - 415 - - - 415 Total 20 - 5.494 41 1.301 27.036 - - - 33.892 Collaterals for Counterparty Credit Risk: Collateral for derivative transactions Collateral for other transactions Received Collaterals Given Collaterals Received Collaterals Given Collaterals Segregated Nonsegregated Segregated Nonsegregated Cash-domestic currency - 3 - - - - Cash-foreign currency - 2.856 - 13.238 - - Domestic sovereign debts - - - - - - Other sovereign debts - - - - - - Government agency debts - - - - - - Corporate debts - - - - - - Equity securities - - - - - - Other collateral - - - - - - Total - 2.859 - 13.238 - - Counterparty Credit Risk-Credit Derivatives: None.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 62 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Exposures to Central Counterparty (CCP): Exposure post-CRM RWA Total Exposure to Qualified Central Counterparties (QCCPs) 398 Exposures for trades with QCCPs (excluding initial margin and guarantee fund) 531 398 (i) Over the counter derivative financial instruments - - (ii) Other derivative financial instruments 531 398 (iii) Repo-reverse repo transactions, margin trading and securitites or commodity lending or borrowing - - (iv) Counterparties where cross product netting applied - - Reserved initial collateral 22 Unreserved initial collateral - - Pre-funded guarantee fund contributions 22 - Unfunded guarantee fund contributions - - Total Exposures to Non-QCCPs - Exposures for trades with QCCPs (excluding initial margin and guarantee fund) - - (i) Over the counter derivative financial instruments - - (ii) Other derivative financial instruments - - (iii) Repo-reverse repo transactions, margin trading and securitites or commodity lending or borrowing - - (iv) Counterparties where cross product netting applied - - Reserved initial collateral - - Unreserved initial collateral - Pre-funded guarantee fund contributions - - Unfunded guarantee fund contributions - -

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 63 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Credit Quality of Assets Gross carrying value as per TAS Allowances/ amortisation and impairments Net values Defaulted Non-Defaulted 1 Loans 107.696 2.395.787 80.595 2.422.888 2 Debt Securities - 1.273.160 2.213 1.270.947 3 Off-balance sheet exposures 8.700 2.262.789 3.716 2.267.773 4 Total 116.396 5.931.736 86.524 5.961.608 Changes in Stock of Defaulted Loans and Debt Securities 1 Defaulted loans and debt securities at end of the previous reporting period 81.554 2 Loans and debt securities defaulted since the last reporting period 38.107 3 Receivables back to preforming status 4 4 Amounts written off 352 5 Other changes (11.609) 6 Defaulted loans and debt securities at end of the reporting period (1+2-3-4±5) 107.696 Credit Risk Mitigation Techniques- Overview Exposures unsecured: carrying amount as per TAS Exposures secured by collateral Exposures secured by collateral, of which secured amount Exposures secured by financial guarantees Financial guarantees, of which secured amount Exposures secured by credit derivatives Exposures secured by credit derivatives, of which secured amount 1 Loans (1) 1.412.360 1.003.633 790.253 112.908 104.113 - - 2 Debt Securities 1.270.947 - - - - - - 3 Total 2.683.307 1.003.633 790.253 112.908 104.113 - - 4 Of which defaulted 20.831 32.866 27.005 1.919 1.645 - - (1) Carrying amount as per TAS includes Lease Receivables and Factoring Receivables.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 64 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Standardised Approach- Credit Risk Exposure and Credit Risk Mitigation Techniques Exposures before CCF and CRM Exposures post-CCF and CRM RWA and RWA density Risk Classification On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount RWA RWA density Claims on sovereigns and Central Banks 1.879.408 3.787 1.983.521 2.601 4.494 %0,23 Claims on regional governments or local authorities 9.061 960 9.061 348 4.704 %50,00 Claims on administrative bodies and other non- commercial undertakings 14.213 6.835 13.741 2.470 16.211 %100,00 Claims on multilateral development banks - - - - - - Claims on international organizations - - - - - - Claims on banks and intermediary institutions 71.535 24.161 71.427 17.730 48.724 %54,65 Claims on corporates 963.198 1.036.068 872.292 642.183 1.385.231 %91,47 Claims included in the regulatory retail portfolios 808.490 740.254 776.141 115.776 443.054 %49,67 Claims secured by residential property 313.459 90.605 313.497 46.187 125.890 %35,00 Claims secured by commercial property 321.775 130.805 321.775 83.184 218.163 %53,87 Overdue loans 55.921 9.347 53.834 3.602 46.833 %81,54 Higher risk categories decided by the Board - - - - - - Secured by mortgages - - - - - - Short-term claims and short-term corporate claims on banks and intermediary institutions - - - - - - Undertakings for collective investments in mutual funds - - - - - - Equity share investments 9.217 - 9.217 - 9.217 %100,00 Other receivables 348.491 60.435 348.490 137 234.389 %67,23 Total 4.794.768 2.103.257 4.772.996 914.218 2.536.910 %44,61 Standardised Approach- Claims By Risk Classification And Risk Weights Risk Classification 0% 10% 20% 35% 50% 75% 100% 150% 200% 250% 2% 500% Total risk amount (pt- CCF and CRM) Claims on sovereigns and Central Banks 1.981.536 - 116 - - - 4.470 - - - - - 1.986.122 Claims on regional governments or local authorities - - - - 9.409 - - - - - - - 9.409 Claims on administrative bodies and other non- commercial undertakings - - - - - - 16.211 - - - - - 16.211 Claims on multilateral development banks - - - - - - - - - - - - - Claims on international organizations - - - - - - - - - - - - - Claims on banks and intermediary institutions - - 42.306 - 13.175 - 33.676 - - - - - 89.157 Claims on corporates 11 - 96.898 - 121.673 170 1.277.394 18.329 - - - - 1.514.475 Claims included in the regulatory retail portfolios 301.178 - - - - 590.739 - - - - - - 891.917 Claims secured by residential property - - - 359.684 - - - - - - - - 359.684 Claims secured by commercial property - - - - 373.592 - 31.367 - - - - - 404.959 Overdue loans - - - - 24.613 - 29.417 3.406 - - - - 57.436 Higher risk categories decided by the Board - - - - - - - - - - - - - Secured by mortgages - - - - - - - - - - - - - Short-term claims and short-term corporate claims on banks and intermediary institutions - - - - - - - - - - - - - Undertakings for collective investments in mutual funds - - - - - - - - - - - - - Equity share investments - - - - - - 9.217 - - - - - 9.217 Other receivables 79.122 - 38.968 - 9 15.749 214.779 - - - - - 348.627 Total 2.361.847 - 178.288 359.684 542.471 606.658 1.616.531 21.735 - - - - 5.687.214

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 65 SECTION IV: INFORMATION RELATED TO FINANCIAL POSITION AND RISK MANAGEMENT OF THE GROUP (continued) VIII. EXPLANATIONS ON THE CONSOLIDATED RISK MANAGEMENT AND RISK WEIGHTED AMOUNTS (continued) Market Risk: Standardised approach RWA Direct (cash) products Interest rate risk (general and specific) 24.081 Equity risk (general and specific) 3.913 Foreign exchange risk 29.920 Commodity risk 11.627 Options Simplified approach - Delta-plus method 195 Scenario approach - Securitization - Total 69.736

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 66 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (1) Cash and Central Bank of the Republic of Türkiye and information on balances with the Central Bank of the Republic of Türkiye: a) Information on Cash and CBRT: Current Period Prior Period TRY FC TRY FC Cash and foreign currency 6.388 17.496 6.889 17.639 CBRT 334.317 394.425 389.965 432.931 Other(1) 1.117 17.848 1.091 19.793 Total 341.822 429.769 397.945 470.363 (1) It includes the required reserve amounts held by the Central Bank of North Macedonia, Central Bank of Serbia and the Central Bank of TRNC. b) Information on balances with the CBRT: Current Period Prior Period TRY FC TRY FC Demand unrestricted amount(1) 180.356 158.156 244.993 131.135 Time unrestricted amount - - - 59.997 Time restricted amount - - - - Other(2) 153.961 236.269 144.972 241.799 Total 334.317 394.425 389.965 432.931 (1) Reserve deposits kept in CBRT. (2) Blocked reserve deposits amounts held in the CBRT is included in the Other. As per the Communiqué no. 2013/15 “Reserve Deposits” of the Central Bank of the Republic of Türkiye (CBRT), banks operating in Türkiye keep reserve deposits for their TRY liabilities with reserve deposit rates between 3%- 40% (31 December 2025: between 3% -40%) varied according to their maturity compositions, for their FC liabilities and precious metal liabilities at TRY, US Dollar, Euro and/or standard gold with reserve deposit rates between 0%-30% (31 December 2025: between 5% -32%) varied according to their maturity compositions. In addition, an additional reserve requirement (excluding foreign bank deposits and precious metal deposit accounts) of 2,5% (31 December 2025: 2,5%) is established in Turkish lira for foreign currency deposits. Required reserves established for TRY deposit accounts and exchange rate-protected accounts that were opened before 21 December 2024, and that have not been renewed, are paid by the CBRT. On the other hand, there is a reserve requirement commission practice that includes targets aimed at increasing the share of Turkish Lira deposits for both individuals and corporates. If the targets related to the ratios calculated every eight weeks as “Individual TRY Share” and “Corporate TRY Share” are not met, a commission amount in USD is calculated on the required reserve amount that must be maintained for foreign currency deposit liabilities, to be paid to the CBRT. In addition, calculated on eight -week periods, if the growth rate of TRY cash loans extended to businesses classified as SMEs exceeds 4,5%, the growth rate of TRY cash loans extended to non -SME businesses exceeds 2%, the growth rate of foreign currency cash loans exceeds 0,5%, or the growth rates of consumer loans for personal needs and vehicle purchases exceed 3%, or the growth rate of Overdraft Account limits allocated to consumers exceeds 1%, an amount of Turkish Lira required reserves equal to the excess loan/limit amounts is blocked for one year. With the decision No.1072 dated 27 December 2019 of the Central Bank of the TRNC, reserve requirement ratio is applied between 5% to 8% (31 December 2025: between 5%-8%) for the Turkish currency and foreign currency liabilities. With the Board of Directors decisions of the Central Bank of Macedonia, banks maintain reserve requirement of 9% for short term MKD liabilities with maturities less than two years and 0% for long term MKD liabilities with maturities more than two years, 22% for short term foreign liabilities with maturities less than two years and 10% for long term foreign liabilities with maturities more than two years. According to the Offici al Gazette of Serbia No . 76/2018 and 77/2023 of the Central Bank of Serbia, banks maintain reserve requirement of 7% for short term RSD liabilities with maturities less than two years and 2% for long term RSD liabilities with maturities more than two years, 23% for short term foreign liabilities with maturities less than two years and 16% for long term foreign liabilities with maturities more than two years and 100% for foreign currency index liabilities.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 67 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (2) Financial assets at fair value through profit and loss: a) Financial assets at fair value through profit and loss blocked/given as collateral: Current Period Prior Period TRY FC TRY FC Given as collateral/blocked securities - 69.211 - 101.743 b) Financial assets at fair value through profit and loss subject to repurchase agreements: Current Period Prior Period TRY FC TRY FC Subject to repurchase agreements securities 24 - - - c) Positive differences related to the derivative financial assets at fair value through profit or loss: Current Period Prior Period TRY FC TRY FC Forward transactions - 937 - 1.409 Swap transactions - 1.225 - 1.743 Futures transactions - - - - Options - 9 - 7 Other - - - - Total - 2.171 - 3.159 (3) Information on banks and other financial institutions: a) Information on banks: Current Period Prior Period TRY FC TRY FC Banks Domestic banks 34.405 1.041 22.557 5.662 Foreign banks 3.972 36.138 13.743 21.266 Branches and offices abroad - - - - Total 38.377 37.179 36.300 26.928

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 68 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) 4) Information on financial assets at fair value through other comprehensive income: a) Financial assets at fair value through other comprehensive income subject to repurchase agreements or blocked/given as collateral a.1. Information on financial assets at fair value through other comprehensive income and blocked/given as collateral: Current Period Prior Period TRY FC TRY FC Given as collateral/blocked securities 11.911 29.530 12.874 20.137 a.2. Information on financial assets at fair value through other comprehensive income subject to repurchase agreements: Current Period Prior Period TRY FC TRY FC Subject to repurchase agreements securities - 62.506 192 81.751 b) Information on financial assets at fair value through other comprehensive income: Current Period Prior Period Debt securities 326.433 304.094 Quoted on a stock exchange 314.144 291.702 Not quoted 12.289 12.392 Equity Securities 2.072 1.922 Quoted on a stock exchange 1.798 1.708 Not quoted 274 214 Impairment provision (-) 2.038 940 Total 326.467 305.076 (5) Information on loans: a) Information on all types of loans and advances given to shareholders and employees of the Group(*): Current Period Prior Period Cash Loans Non-Cash Loans Cash Loans Non-Cash Loans Direct loans granted to shareholders - - - - Corporate shareholders - - - - Real person shareholders - - - - Indirect loans granted to shareholders - - - - Loans granted to employees 9.375 - 7.808 - Total 9.375 - 7.808 - (*) Interest income accruals and rediscounts are not included in the table above.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 69 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) b) Information on the first and second group loans including loans that have been restructured or rescheduled: Current Period Cash Loans Standard Loans Loans Under Close Monitoring Loans Not Subject to Restructuring Restructured Loans Loans with Revised Contract Terms Refinance Non-specialized loans 1.836.219 122.483 331 104.187 Corporation loans 1.044.555 71.985 290 100.842 Export loans 152.771 9.643 - - Import loans - - - - Loans given to financial sector 5.213 - - - Consumer loan 190.915 5.945 41 3.181 Credit cards 199.278 25.420 - 2 Other 243.487 9.490 - 162 Specialized lending 324.271 8.296 - - Other receivables - - - - Total 2.160.490 130.779 331 104.187 Prior Period Cash Loans Standard Loans Loans Under Close Monitoring Loans Not Subject to Restructuring Restructured Loans Loans with Revised Contract Terms Refinance Non-specialized loans 1.510.662 90.377 402 83.223 Corporation loans 880.246 55.733 361 82.063 Export loans 121.697 5.067 - - Import loans - - - - Loans given to financial sector 3.325 - - - Consumer loan 170.327 5.232 41 980 Credit cards 141.136 17.839 - 1 Other 193.931 6.506 - 179 Specialized lending 312.615 17.154 - - Other receivables - - - - Total 1.823.277 107.531 402 83.223 Standard Loans Loans Under Close Monitoring Current Period Prior Period Current Period Prior Period 12 Months Expected Loss Provision 12.140 11.242 - - Significant Increase in Credit Risk - - 13.984 14.985 The increase in the Group’s Stage 1 Expected Credit Loss allowance was primarily attributable to the growth in the balance of performing loans during the current period, while the decrease in the Stage 2 Expected Credit Loss allowance was primarily attributable to changes in the overall credit risk characteristics of the portfolio.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 70 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans (continued) : c) Information on consumer loans, individual credit cards, personnel loans and credit cards(*): Current Period Short-term Medium and long- term Total Consumer loans-TRY 16.692 93.361 110.053 Real estate loans 29 79.244 79.273 Automobile loans 761 1.219 1.980 Consumer loans 15.902 12.898 28.800 Other - - - Consumer loans- Indexed to FC 2 5.160 5.162 Real estate loans - 4.717 4.717 Automobile loans - 260 260 Consumer loans 2 183 185 Other - - - Consumer loans- FC 102 38.929 39.031 Real estate loans 7 13.380 13.387 Automobile loans - 75 75 Consumer loans 95 25.472 25.567 Other - 2 2 Individual credit cards-TRY 118.446 - 118.446 Installment 38.538 - 38.538 Non-installment 79.908 - 79.908 Individual credit cards-FC 126 1.057 1.183 Installment - 960 960 Non-installment 126 97 223 Personnel loans-TRY 2.883 1.321 4.204 Real estate loans - - - Automobile loans - - - Consumer loans 2.883 1.321 4.204 Other - - - Personnel loans-Indexed to FC - 271 271 Real estate loans - 248 248 Automobile loans - 9 9 Consumer loans - 13 13 Other - 1 1 Personnel loans-FC 5 962 967 Real estate loans 1 474 475 Automobile loans - 1 1 Consumer loans 4 487 491 Other - - - Personnel credit cards-TRY 2.345 - 2.345 Installment 700 - 700 Non-installment 1.645 - 1.645 Personnel credit cards-FC 11 26 37 Installment - 20 20 Non-installment 11 6 17 Overdraft accounts-TRY (Retail customers)(**) 37.369 - 37.369 Overdraft accounts-FC (Retail customers)(***) 1.028 - 1.028 Total 179.009 141.087 320.096 (*) Interest income accruals and rediscounts are not included in the table above. (**) TRY 1.546 of the overdraft account consists of loans given to personnel. (***) TRY 6 of the overdraft account consists of loans given to personnel.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 71 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) c) Information on consumer loans, individual credit cards, personnel loans and credit cards(*): (continued) Prior Period Short-term Medium and long- term Total Consumer loans-TRY 10.576 90.641 101.217 Real estate loans 23 78.657 78.680 Automobile loans 801 1.606 2.407 Consumer loans 9.752 10.378 20.130 Other - - - Consumer loans- Indexed to FC 3 4.655 4.658 Real estate loans - 4.283 4.283 Automobile loans - 164 164 Consumer loans 3 208 211 Other - - - Consumer loans- FC 109 32.878 32.987 Real estate loans 4 11.037 11.041 Automobile loans - 51 51 Consumer loans 105 21.788 21.893 Other - 2 2 Individual credit cards-TRY 83.083 - 83.083 Installment 26.647 - 26.647 Non-installment 56.436 - 56.436 Individual credit cards-FC 47 1.004 1.051 Installment - 918 918 Non-installment 47 86 133 Personnel loans-TRY 2.152 1.342 3.494 Real estate loans - - - Automobile loans - - - Consumer loans 2.152 1.342 3.494 Other - - - Personnel loans-Indexed to FC - 264 264 Real estate loans - 247 247 Automobile loans - 6 6 Consumer loans - 11 11 Other - - - Personnel loans-FC 4 779 783 Real estate loans - 400 400 Automobile loans - - - Consumer loans 4 379 383 Other - - - Personnel credit cards-TRY 1.899 - 1.899 Installment 541 - 541 Non-installment 1.358 - 1.358 Personnel credit cards-FC 4 26 30 Installment - 21 21 Non-installment 4 5 9 Overdraft accounts-TRY (Retail customers)(**) 30.695 - 30.695 Overdraft accounts-FC (Retail customers)(***) 756 85 841 Total 129.328 131.674 261.002 (*) Interest income accruals and rediscounts are not included in the table above. (**) TRY 1.329 of the overdraft account consists of loans given to personnel. (***) TRY 8 of the overdraft account consists of loans given to personnel.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 72 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) d) Information on commercial installments loans and corporate credit cards(*): Current Period Short-term Medium and long- term Total Commercial installment loans-TRY 33.306 189.324 222.630 Business premises loans 2 1.261 1.263 Automobile loans 182 2.973 3.155 Consumer loans 33.122 185.090 218.212 Other - - - Commercial installment loans- Indexed to FC 3.091 17.324 20.415 Business premises loans - - - Automobile loans - - - Consumer loans - - - Other 3.091 17.324 20.415 Commercial installment loans - FC 15.147 223.762 238.909 Business premises loans - - - Automobile loans - - - Consumer loans 2.517 172.150 174.667 Other 12.630 51.612 64.242 Corporate credit cards-TRY 97.865 - 97.865 Installment 18.707 - 18.707 Non-installment 79.158 - 79.158 Corporate credit cards-FC 6 97 103 Installment - 32 32 Non-installment 6 65 71 Overdraft accounts-TRY (Commercial customers) 92.997 - 92.997 Overdraft accounts-FC (Commercial customers) 318 - 318 Total 242.730 430.507 673.237 (*) Interest income accruals and rediscounts are not included in the table above. Prior Period Short-term Medium and long- term Total Commercial installment loans-TRY 28.572 141.715 170.287 Business premises loans - 1.115 1.115 Automobile loans 225 3.214 3.439 Consumer loans 28.347 137.386 165.733 Other - - - Commercial installment loans- Indexed to FC 2.796 14.447 17.243 Business premises loans - - - Automobile loans - - - Consumer loans - - - Other 2.796 14.447 17.243 Commercial installment loans - FC 12.460 202.003 214.463 Business premises loans - - - Automobile loans - - - Consumer loans 2.320 155.963 158.283 Other 10.140 46.040 56.180 Corporate credit cards-TRY 69.412 - 69.412 Installment 14.632 - 14.632 Non-installment 54.780 - 54.780 Corporate credit cards-FC 6 83 89 Installment - 29 29 Non-installment 6 54 60 Overdraft accounts-TRY (Commercial customers) 63.970 - 63.970 Overdraft accounts-FC (Commercial customers) 243 - 243 Total 177.459 358.248 535.707 (*) Interest income accruals and rediscounts are not included in the table above.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 73 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) e) Domestic and foreign loans(*): Current Period Prior Period Domestic loans 2.257.493 1.895.756 Foreign loans 138.294 118.677 Total 2.395.787 2.014.433 (*) Non-performing loans balance is not included in the table above. f) Loans granted to subsidiaries and associates: None. (31 December 2025: None.) g) Specific provisions related to loans or credit-impaired losses (Stage III): Current Period Prior Period Loans with Limited Collectability 6.681 5.623 Loans with Doubtful Collectability 9.479 10.378 Uncollectible Loans 38.311 25.218 Total 54.471 41.219 The increase in the expected credit loss provision balance allocated for stage 3 loans is caused by the result of the increase in risk amount in the current period. h) Information on non-performing loans (Net): h.1. Information on non-performing loans and restructured loans(*): III. Group IV. Group V. Group Loans with Limited Collectability Loans with Doubtful Collectability Uncollectible Loans Current period Gross amounts before the provisions 962 353 787 Restructured loans 962 353 787 Prior period Gross amounts before the provisions 874 530 692 Restructured loans 874 530 692 (*) Rediscounts are not included.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 74 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) h) Information on non-performing loans (Net): (continued) h.2. Information on the movement of non-performing loans: III. Group IV. Group V. Group Current Period Loans with Limited Collectability Loans with Doubtful Collectability Uncollectible Loans Current period end balance 16.583 27.051 37.920 Additions (+) 30.119 1.069 6.919 Transfers from Other NPL Categories (+) - 21.501 20.673 Transfers to Other NPL Categories (-) 22.427 19.747 - Collections (-)(*) 2.989 3.124 5.500 Write-offs (-) 1 - 351 Sold (-) - - - Corporate and Commercial Loans - - - Consumer Loans - - - Credit Cards - - - Other - - - Current period end balance 21.285 26.750 59.661 Provision (-) 6.681 9.479 38.311 Net balance on balance sheet 14.604 17.271 21.350 Prior Period Prior period end balance 9.441 6.258 16.716 Additions (+) 49.385 7.064 8.649 Transfers from Other NPL Categories (+) - 35.337 18.454 Transfers to Other NPL Categories (-) 36.018 17.773 - Collections (-)(*) 6.225 3.835 4.813 Write-offs (-) - - 1.086 Sold (-) - - - Corporate and Commercial Loans - - - Consumer Loans - - - Credit Cards - - - Other - - - Current period end balance 16.583 27.051 37.920 Provision (-) 5.623 10.378 25.218 Net balance on balance sheet 10.960 16.673 12.702 (*) It also includes loan balances structured in non-performing loans and transferred to performing loan accounts during the period, as they meet the necessary conditions within the scope of the relevant articles of the Regulation of Allowance. h.3. Information on foreign currency non-performing loans and other receivables(*): III. Group IV. Group V. Group Loans with Limited Collectability Loans with Doubtful Collectability Uncollectible Loans Current period Balance at the end of the period 1.650 2.523 10.333 Provisions (-) 585 910 7.467 Net balance in the balance sheet 1.065 1.613 2.866 Prior period Balance at the end of the period 1.395 3.053 7.721 Provisions (-) 530 1.268 5.771 Net balance in the balance sheet 865 1.785 1.950 (*) Rediscounts are included.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 75 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) h) Information on non-performing loans (Net): (continued) h.4. Gross and net amounts of non-performing loans according to user groups: III. Group IV. Group V. Group Loans with Limited Collectability Loans with Doubtful Collectability Uncollectible Loans Current period (Net) 14.604 17.271 21.350 Loans to granted individuals and corporates (Gross) 21.285 26.750 59.661 Provisions (-) 6.681 9.479 38.311 Loans to granted real persons and legal entities (Net) 14.604 17.271 21.350 Banks (Gross) - - - Provisions (-) - - - Banks (Net) - - - Other loans (Gross) - - - Provisions (-) - - - Other loans (Net) - - - Prior period (Net) 10.960 16.673 12.702 Loans to granted individuals and corporates (Gross) 16.583 27.051 37.920 Specific provisions (-) 5.623 10.378 25.218 Loans to granted real persons and legal entities (Net) 10.960 16.673 12.702 Banks (Gross) - - - Provisions (-) - - - Banks (Net) - - - Other loans (Gross) - - - Provisions (-) - - - Other loans (Net) - - - h.5. Information on interest accruals, discounts and valuation differences calculated for non- performing loans and their provisions: III. Group IV. Group V. Group Loans with Limited Collectability Loans with Doubtful Collectability Uncollectible Loans Current Period (Net) 1.651 3.439 5.599 Interest Accruals and Valuation Differences 2.514 5.286 13.678 Provision (-) 863 1.847 8.079 Prior Period (Net) 1.600 3.736 3.261 Interest Accruals and Valuation Differences 2.440 5.893 8.298 Provision (-) 840 2.157 5.037

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 76 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (5) Information on loans: (continued) i) Main guidelines of the liquidation policy of the Bank about the uncollectible loans and receivables: The Parent Bank liquidates its uncollectible receivables through different methods. These are by making payment protocols and by presenting adequate repayment schedules for the lower amount of receivables. Within the context of this collection policy, nonperforming loans are collected in considerable amounts. Collections are firstly offset against lawsuits and expenses, interest and principle receivables from loans. j) Explanations on write-off policy: In the current period, the Group derecognised the non-performing loan amounting to TRY 352 on the grounds that there was no reasonable expectation, and the Group's non-performing loan ratio decreased from 4,32% to 4,30% after the loans were written off. (In the prior period, the Group derecognised the non -performing loan amounting to TRY 1.087 on the grounds that there was no reasonable expectation, and the Group's non - performing loan ratio decreased from 3,94% to 3,89% after the loans were written off.) Derecognition does not mean that the Group has waived its right to the receivable, therefore legal and administrative follow-up procedures continue effectively for derecognized receivables, just as they do for receivables that remain recognized in the statement of financial position.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 77 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (6) Information on financial assets measured at amortised cost: a) Information on financial assets measured at amortised cost blocked/given as collateral or subject to repurchase agreement transactions are explained comparatively with net value: a.1. Financial assets measured at amortised cost blocked/given as collateral: Current Period Prior Period TRY FC TRY FC Given as collateral/blocked securities 43.110 72.987 37.868 49.818 a.2. Financial assets measured at amortised cost subject to repurchase agreements: Current Period Prior Period TRY FC TRY FC Subject to repurchase agreements securities 334.543 26.343 127.446 42.066 b) Information on public sector debt investments financial assets measured at amortised cost: Current Period Prior Period Government bonds 826.546 765.285 Treasury bills 493 397 Other public sector debt securities 29.985 28.650 Total 857.024 794.332 c) Information on financial assets measured at amortised cost: Current Period Prior Period Debt securities 857.024 794.332 Quoted on a stock exchange 856.531 793.935 Not quoted 493 397 Impairment provision (-) - - Total 857.024 794.332 d) Movement of financial assets measured at amortised cost within the year: Current Period Prior Period Beginning balance 794.332 561.609 Foreign currency differences on monetary assets 8.475 18.616 Purchases during the year(1) 72.014 255.988 Disposals through sales and redemptions (17.797) (41.881) Impairment provision (-) - - Balance at the end of the period 857.024 794.332 (1) The difference between the discount amount of TRY 392.975 as of 30 June 2026 and the amount of discount amount of TRY 352.845 as of 31 December 2025 (31 December 2024: TRY 218.584) is presented in the line disposed by purchases during the year.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 78 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (7) Information on associates (Net): a) The reasons behind unconsolidated associates being out of consolidation scope: In accordance with the Communiqué on the Preparation of Consolidated Financial Statements of Banks, associates that are financial institutions are included in the consolidation, associates that are non -financial institutions are not included in the scope of consolidation. b) Information on unconsolidated associates: Description Address (City/ Country) Bank’s share percentage, if different- voting percentage (%) Bank’s risk group share percentage (%) 1. Kredi Kayıt Bürosu AŞ (1) Istanbul/Türkiye 18,18 18,18 2. Bileşim Finansal Teknolojiler ve Ödeme Sistemleri AŞ (1) Istanbul/Türkiye 33,33 33,33 3. JCR Avrasya Derecelendirme AŞ (1) Istanbul/Türkiye 2,86 2,86 c) Information related to the associates as shown in (b): 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. 7.592 3.772 3.549 476 - 1.127 857 - 2. 1.011 691 351 51 - 88 51 - 3. 1.683 1.356 189 156 43 444 278 - (1) The financial data is obtained from unaudited 30 June 2026 financial statement . d) Information on consolidated associates: Description Address (City/ Country) Bank’s share percentage, if different voting percentage (%) Bank’s risk group share percentage (%) 1. DHB Bank NV (1) Rotterdam/The Netherlands 30,00 30,00 2. Kobi Girişim Sermayesi Yatırım Ortaklığı AŞ (1) Ankara/Türkiye 31,47 33,12 3. Yıldız Tekno Girişim Sermayesi Yatırım Ortaklığı AŞ (1) Istanbul/Türkiye 35,79 35,79 4. Birleşim Varlık Yönetim AŞ (1) Istanbul/Türkiye 16,00 16,00 e) Information related to the associates as shown in (d): 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. 113.659 14.467 273 3.730 236 537 474 - 2. 796 786 1 111 - 95 95 - 3. 97 97 - 8 - 3 (2) - 4. 2.141 1.902 25 462 - 125 147 - (1) The amounts are obtained from the unconsolidated financial statements of the companies used in consolidation as of 30 June 2026.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 79 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (7) Information on associates (Net): (continued) f) Movement of associates: Current Period Prior Period Balance at the beginning of the period 4.797 3.405 Movements during the period 91 1.392 Purchases - 15 Bonus shares obtained profit from current year’s share 3 - Dividends from current year income 249 423 Sales - - Transfers (18) - Revaluation decrease (-) / increase (1) (143) 954 Impairment provisions (-)/ reversals - - Balance at the end of the period 4.888 4.797 Capital commitments - - Share percentage at the end of the period (%) - - (1) Includes amounts accounted for using the equity method. g) Sectorial information and related carrying amounts of associates: Current Period Prior Period Banks 4.164 4.146 Insurance companies - - Factoring companies - - Leasing companies - - Financing companies - - Other financial investments 585 497 Other non- financial investments 139 154 h) Associates quoted to a stock exchange: None. (31 December 2025: None.)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 80 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (8) Information on subsidiaries (Net): a) Information on consolidated subsidiaries (1): Halk Yatırım Menkul Değerler AŞ Halk Gayrimenkul Yatırım Ortaklığı AŞ Halk Finansal Kiralama AŞ Halk Banka AD, Skopje Halk Faktoring AŞ Halk Bank AD, Beograd Halk Varlık Kiralama AŞ Halk Osiguruvanje AD, Skopje Halk Elektronik Para ve Ödeme Hizmetleri AŞ Halk Katılım Bankası AŞ COMMON EQUITY TIER I CAPITAL Paid in Capital 250 3.840 1.523 5.067 1.246 1.286 1 285 250 11.500 Effect of Inflation Adjustment on Paid in Capital - - - - - - - - - - Share premium - 50 - 12 - 1.838 - - - - Reserves 649 10.529 1.402 3.304 1.913 2.276 32 - 2 851 Other Comprehensive Income according to TAS 19 49.554 3 12.337 - 9.316 - 1.348 - - Profit / Loss 4.016 19.023 290 810 538 465 12 (150) 348 1.529 Net Profit 1.319 4.333 290 810 538 465 12 7 196 1.529 Prior Period Profit/Loss 2.697 14.690 - - - - - (157) 152 - Bonus Shares from Associates, Subsidiaries and Joint Ventures not Accounted in Current Period’s Profit - - - - - - - - - - Current and Prior Periods' Losses not Covered by Reserves, and Losses Accounted under Equity according to TAS (-) 3 9.286 - - 3 8 - - - - Leasehold Improvements (-) - 3 - 57 - 113 - - - - Intangible Assets (-) 21 1 14 270 33 914 - 102 12 627 Total Core Capital 4.910 73.706 3.204 21.203 3.661 14.146 45 1.381 588 13.253 SUPPLEMENTARY CAPITAL - - 174 761 274 246 - - - - CAPITAL 4.910 73.706 3.378 21.964 3.935 14.392 45 1.381 588 13.253 NET AVAILABLE CAPITAL 4.910 73.706 3.378 21.964 3.935 14.392 45 1.381 588 13.253 (1) The amounts are obtained from the unconsolidated financial statements of the companies used in consolidation as of 30 June 2026. There is no internal capital adequacy assessment approach for the subsidiaries. Paid in capital has been indicated as Turkish Lira in articles of incorporation and registered in trade registry. Effect of inflation adjustments on paid in capital is the difference caused by the inflation adjustment on shareholders' equity items. Extraordinary reserves are the status reserve s which have been appropriated with the General Assembly decision after distributable profit have been transferred to legal reserves. Legal reserves are the status reserves which have been appropriated from distributable profit in accordance with the related clauses of Turkish Commercial Code no. 6102. b) Unconsolidated subsidiaries, reasons for not consolidating if any and information on total needed shareholder’s equity that is subjected to minimum capital requirements: In accordance with the Communiqué o n the Preparation of Consolidated Financial Statements of Banks, subsidiaries that are financial institutions are included in the consolidation, subsidiaries that are non-financial institutions are not included in the scope of consolidation. In this context, subsidiary of the Parent Bank, Halk Elektrik Üretim AŞ, which is non -financial institution, is not included in the scope of consolidation.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 81 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (8) Information on subsidiaries (Net): (continued) c) Information on unconsolidated subsidiaries: Description Address (City/Country) Bank’s share percentage, if different voting percentage (%) Bank’s risk group share percentage (%) 1. Halk Elektrik Üretim AŞ(1) Istanbul/Türkiye 100,00 100,00 d) Information related to the subsidiaries as shown in (e): (1) 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. 163 151 1 27 - 21 6 - (1) The financial data is obtained from 30 June 2026 financial statements. e) Information on consolidated subsidiaries: Description Address (City/Country) Bank’s share percentage, if different voting percentage (%) Bank’s risk group share percentage (%) 1. Halk Yatırım Menkul Değerler AŞ Istanbul/Türkiye 100,00 100,00 2. Halk Gayrimenkul Yatırım Ortaklığı AŞ (2) Istanbul/Türkiye 79,33 79,36 3. Halk Finansal Kiralama AŞ Istanbul/Türkiye 100,00 100,00 4. Halk Banka AD, Skopje Skopje/North Macedonia 99,71 99,71 5. Halk Faktoring AŞ Istanbul/Türkiye 100,00 100,00 6. Halkbank AD Beograd Belgrade/Serbia 100,00 100,00 7. Halk Varlık Kiralama AŞ Istanbul/Türkiye 100,00 100,00 8. Halk Osiguruvanje AD, Skopje Skopje/North Macedonia - 99,71 9. Halk Elektronik Para ve Ödeme Hizmetleri AŞ Istanbul/Türkiye 100,00 100,00 10. Halk Katılım Bankası AŞ(3) Istanbul/Türkiye 100,00 100,00 f) Information related to the subsidiaries as shown in (e): (1) Total assets Shareholders’ equity Total fixed assets Interest/Profit Share income Income from marketable securities portfolio Current period profit/loss Prior period profit/loss Fair value 1. 14.391 4.931 90 2.435 49 1.319 768 - 2. 110.636 73.634 50.534 814 - 4.333 4.375 - 3. 27.125 3.217 40 2.545 - 290 298 - 4. 117.895 21.530 2.841 2.466 374 810 396 - 5. 26.158 3.694 47 4.192 - 538 365 - 6. 79.747 15.173 3.127 1.775 204 465 345 - 7. 25.367 44 - 8 - 12 6 - 8. 1.686 1.484 302 19 11 7 (5) - 9. 6.386 600 18 124 - 196 61 - 10. 14.383 13.880 937 2.659 - 1.529 - - (1) The financial data is obtained from 30 June 2026 financial statements used in consolidation. (2) The Parent Bank’s subsidiary Halk Gayrimenkul Yatırım Ortaklığı AŞ was privatized by a public offering on 22 February 2013 and the shares are traded on the Borsa Istanbul AŞ (3) Halk Katılım Bankası AŞ was established with the permission of the Banking Regulation and Supervision Agency (BRSA) dated on 30 May 2025 and numbered 11222, and was registered on 22 September 2025. As of the current period, it has not yet commenced operations. g) Movement of the subsidiaries: Current Period Prior Period Balance at the beginning of the period 101.539 54.784 Movements during the period 12.138 46.755 Purchase (2)(3) 3.700 13.600 Bonus shares obtained profit from current year’s share - 115 Dividends from current year income 8.017 10.728 Sales - - Transfer - - Revaluation increase/decrease (1) 421 22.312 Impairment Provisions (-)/ Reversals - - Balance at the end of the period 113.677 101.539 Capital commitments - - Share percentage at the end of the period (%) - - (1) It includes amounts accounted for using the equity method, excluding the profit received from the current year’s share. (2) During the current period, the Parent Bank made a payment of TRY 1.596 due to the capital increase of Halkbank AD Beograd. (3) The Parent Bank made a payment of TRY 2.104 in the current period due to paid -in capital increase with cash contribution and increased its shareholding ratio in Halk Banka AD, Skopje, located in Macedonia, to 99,71%.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 82 (2) During the current period, the Parent Bank made a payment of TRY 1.596 due to the capital increase of Halkbank AD Beograd. SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (8) Information on subsidiaries (Net): (continued) h) Sectorial information on subsidiaries and the related carrying amounts: Current Period Prior Period Banks 50.514 42.677 Insurance companies 242 242 Factoring companies 3.699 3.162 Leasing companies 3.278 2.988 Financing companies - - Other financial subsidiaries 55.793 52.329 Other non-financial subsidiaries 151 141 i) Subsidiaries quoted in the stock exchange: Current Period Prior Period Quoted to domestic stock(1) 50.264 48.330 Quoted foreign stock exchange - - (1) The Parent Bank’s subsidiary Halk Gayrimenkul Yatırım Ortaklığı AŞ has privatized by a public offering on 22 February 2013 and the shares are traded on the Borsa Istanbul AŞ. (9) Information on jointly controlled entities (joint ventures): None. (31 December 2025: None.) (10) Information on finance lease receivables (Net): a) Maturity structure of investments on financial lease(*): Current Period Prior Period Gross Net Gross Net Up to 1 year 2.610 2.376 1.892 1.677 1 - 4 years 21.798 14.842 13.032 10.177 More than 4 years 12.917 5.260 20.104 8.101 Total 37.325 22.478 35.028 19.955 (*) Non-performing receivables are not included. b) Information on net investments of financial lease(*): Current Period Prior Period Gross financial lease investment 37.325 35.027 Unearned revenues from financial lease (14.847) (15.072) Total 22.478 19.955 (*) Non-performing receivables are not included. c) Information on receivables from non- performing loans of financial lease: Current Period Prior Period Financial lease receivables with limited collectability 9 80 Financial lease receivables with doubtful collectability 137 91 Uncollectible financial lease receivables 314 220 Provisions (291) (250) Total 169 141 (11) Information on derivative financial assets for hedging purposes: None. (31 December 2025: None.)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 83 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (12) Information on investment property: Current Period Prior Period Balance at the beginning of the period 49.731 25.350 Movements during the period 873 24.381 Purchase 2.636 3.215 Sales (11) (2.844) Transfer(1) (8.608) 5.432 Revaluation increase/decrease 6.856 18.578 Balance at the end of the period 50.604 49.731 (1) The Parent Bank has reclassified a real estate property previously classified as Property, Plant and Equipment to Investment Property due to a change in its intended use. While the Group accounts for its investment properties by allocating accumulated depreciation and permanent impairment provision, if any, from their purchase cost values, it has changed its accounting policy as of November 2023 and adopted the fair value method within the scope of TAS 40 Investment Properties Standard for investment properties. Accordingly, Group has an independent valuation firm that carries out the valuation report for its investment properties and recognizes the changes in fair value in the profit or loss accounts in the period in which they occur. (13) Information on deferred tax assets: Current Period Prior Period Deferred Tax Asset /(Liability) Provisions(1) 13.038 12.067 Revaluation of Financial Assets (20.710) (24.105) Other 15.392 22.190 Deferred Tax Asset /(Liability)(2): 7.720 10.152 Deferred tax accounted under shareholders’ equity (9.807) (7.900) Fair value through other comprehensive income arising from securities’ internal efficiency-stock market difference 2.259 1.137 Actuarial gains/losses 889 889 Valuation of subsidiaries (12.955) (9.926) (1) Includes reserve for employee benefits and other provisions. (2) Net deferred tax assets amounting to TRY 7.720 (31 December 2024: TRY 10.152) consists of deferred tax assets which amounting to TRY 20.568 (31 December 2024: TRY 19.380) and deferred tax liabilities amounting to TRY 12.848 (31 December 2024: TRY 9.228).

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 84 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) I. EXPLANATIONS AND NOTES RELATED TO THE ASSETS (continued) (14) Information on assets held for sale and held from discontinued operations: Current Period Prior Period Cost - - Accumulated Depreciation (-) - - Net book value - - Opening Balance - 1 Acquisition - - Transfer (Net) - - Disposals (Net) - (1) Revaluation Increase - - Impairment (-) / Reversal - - Depreciation (-) - - Closing net book value - - (15) Information on other assets: Other assets balance in the balance sheet amounts to TRY 180.262 and does not exceed 10% of the balance sheet total (31 December 2025: TRY 116.835).

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 85 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (1) Information on deposit / funds collected: a) Information on maturity structure of deposits / funds collected(*): Current Period Demand 7 day call accounts Up to 1 month 1-3 months 3-6 months 6 months to 1 year 1 year and over Accumulating Deposits Accounts Total Saving deposits 77.198 - 43.115 679.649 104.246 969 1.565 193 906.935 Foreign currency deposits 298.242 - 115.311 309.446 50.491 37.758 31.476 34 842.758 Residents in Türkiye 207.436 - 87.761 277.579 30.024 10.000 13.966 33 626.799 Residents abroad 90.806 - 27.550 31.867 20.467 27.758 17.510 1 215.959 Public sector deposits 63.089 - 190.882 39.895 5.213 1.185 1.467 - 301.731 Commercial inst. deposits 116.719 - 198.998 390.803 45.631 7.239 312 - 759.702 Other inst. deposits 13.671 - 11.835 92.389 96.323 1.665 731 - 216.614 Precious metals 310.976 - 127 26.828 1.795 657 414 - 340.797 Interbank deposits 233.699 - 98.602 83.763 1.629 1 1.089 - 418.783 CBRT 5.617 - - - - - - - 5.617 Domestic banks 1.426 - 56.379 66.632 1.629 - - - 126.066 Foreign banks 196.753 - 1.001 17.131 - 1 1.089 - 215.975 Participation banks 29.903 - 41.222 - - - - - 71.125 Total 1.113.594 - 658.870 1.622.773 305.328 49.474 37.054 227 3.787.320 (*) As of 30 June 2026, the Parent Bank has a total of TRY 3.109 without accruals FC indexed TRY deposit instrument of which publ ished by the CBRT and Ministry of Treasury and Finance. Prior Period Demand 7 day call accounts Up to 1 month 1-3 months 3-6 months 6 months to 1 year 1 year and over Accumulating Deposits Accounts Total Saving deposits 66.091 - 37.967 594.970 137.788 1.343 1.693 168 840.020 Foreign currency deposits 313.361 - 80.034 312.327 54.695 40.812 29.135 33 830.397 Residents in Türkiye 230.397 - 58.874 284.603 34.416 13.965 13.859 32 636.146 Residents abroad 82.964 - 21.160 27.724 20.279 26.847 15.276 1 194.251 Public sector deposits 44.448 - 119.207 40.977 3.472 1.811 425 - 210.340 Commercial inst. deposits 118.469 - 225.184 350.577 70.946 11.550 256 - 776.982 Other inst. deposits 12.353 - 16.252 114.624 35.474 5.268 231 - 184.202 Precious metals 249.173 - 171 29.727 2.615 750 458 - 282.894 Interbank deposits 240.121 - 125.428 116.173 267 - 1.014 - 483.003 CBRT 21 - - - - - - - 21 Domestic banks 1.279 - 106.958 67.090 229 - - - 175.556 Foreign banks 208.736 - 1.453 49.083 38 - 1.014 - 260.324 Participation banks 30.085 - 17.017 - - - - - 47.102 Total 1.044.016 - 604.243 1.559.375 305.257 61.534 33.212 201 3.607.838 (*) As of 31 December 2025, the Parent Bank has a total of TRY 4.689 without accruals FC indexed TRY deposit instrument of which published by the CBRT and Ministry of Treasury and Finance.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 86 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIA L STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (continued) (1) Information on deposit / funds collected: (continued) b) Information on saving deposits in the scope of Saving Deposits Insurance Fund: b.1. Amounts exceeding insurance limit: b.1.1. Saving deposits under the guarantee of deposit insurance and exceeding the insurance limit: Saving Deposits(*) Under the guarantee insurance Exceeding the insurance limit Current Period Prior Period Current Period Prior Period Saving deposits 291.602 253.697 610.668 582.918 Foreign currency saving deposits 128.302 120.060 249.314 284.683 Other deposits in the form of saving deposits 131.926 109.853 148.465 128.886 Foreign branches’ deposits under foreign authorities' insurance 8.233 6.955 - - Off-shore banking regions’ deposits under foreign authorities' insurance - - - - (*) Within the scope of the SDIF Fund Board Decision published in the Official Gazette dated 13 December 2025 and numbered 33106, deposit amount subject to insurance which was TRY 950.000 (full TRY) as of 2025 has been determined as TRY 1.200.000 (full TRY), starting from the beginning of the 2026 calendar year. All deposit and participation funds have been covered by insuranc e except official institutions, credit institutions and financial institutions in accordance with the “Amendment of Regulation on the Insurable Deposit and Participation Funds and Premiums to be Collected by the Savings Deposit Insurance Fund” published in the Official Gazette dated 27 August 2022 and numbered 31936. In this scope, the balance of commercial deposits of the Parent Bank subject to insurance is TRY 98.951. This amount is not included at the above table that includes the insurance and exceeding the insurance limit saving deposit informations. b.1.2. Saving deposits at foreign branches are excluded from the scope of Saving Deposits Insurance Fund according to the related legislation, and are subject to insurance of foreign authorities in compliance with the foreign legislations. c) Saving deposits which are not under the guarantee of deposit insurance fund: Current Period Prior Period Foreign branches’ saving deposits and other accounts 463 435 Deposits and other accounts belonging to dominant partners as well as their fathers, mothers, spouses and children under their custody - - Deposits and other accounts belonging to the chairman and members of the board of directors, general managers and deputy general managers as well as their fathers, mothers, spouses and children under their custody 66 59 Deposits and other accounts covered by assets generated through the offenses mentioned in Article 282 of the Turkish Penal Code No.5237 and dated 26 September 2004 - - Deposits in the banks to be engaged exclusively in offshore banking in Türkiye - - (2) Information on derivative financial liabilities: Negative differences table related to the derivative financial liabilities: Current Period Prior Period TRY FC TRY FC Forward transactions - 900 - 1.280 Swap transactions 2.403 14.113 - 1.490 Future transactions - - - - Options - 34 - 8 Other - - - - Total 2.403 15.047 - 2.778

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 87 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (continued) (3) Information on funds borrowed: a) Information on banks and other financial institutions: Current Period Prior Period TRY FC TRY FC Funds borrowed from CBRT - - - - Domestic banks and institutions 3.658 22.543 1.928 19.687 Foreign banks, institutions and funds 2.461 132.563 1.637 92.959 Total 6.119 155.106 3.565 112.646 b) Maturity structure of funds borrowed: Current Period Prior Period TRY FC TRY FC Short-term 4.716 22.488 2.470 28.289 Medium and long-term 1.403 132.618 1.095 84.357 Total 6.119 155.106 3.565 112.646 c) Additional disclosures related to the concentrations of the Group’s major liabilities: Concentrations, fund providing customers, sector groups and other criteria where risk contentration is observed: Main liability of the Group is deposits, which is composed of 23,95% of saving deposits and 22,25% of foreign currency deposits. In order to fulfill the short term liquidity requirements, the Group borrows loans from interbank money markets. The Group’s 73,15% of bank deposits and 35,14% of other deposits consist of foreign currency deposits. (4) Securities issued (Net): Current Period Prior Period TRY FC TRY FC Bills 9.957 - 3.242 - Bonds - - 18.518 - Assets Backed Securities 25.318 - - - Total 35.275 - 21.760 - (5) Information on other liabilities: Other liabilities balance in the balance sheet amounts to TRY 186.815 and does not exceed 10% of the balance sheet total (31 December 2025: TRY 137.991).

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 88 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (continued) (6) Information on finance lease payables (Net): a) The general explanations on criteria used in determining installments of financial lease agreements, renewal and purchasing options and restrictions in the agreements that create significant obligations to the Parent Bank: In the financial lease agreements, installments are based on useful life, usage periods and provisions of the related accounting standards. b) Explanation on finance lease payables: Current Period Prior Period Gross Net Gross Net Up to 1 year 7 6 - - 1 - 4 years 2 2 5 4 More than 4 years - - - - Total 9 8 5 4 c) Explanations on operational leases: Current Period Prior Period Gross Net Gross Net Up to 1 year 317 277 364 307 1 - 4 years 2.663 1.919 1.909 1.310 More than 4 years 9.360 8.320 10.185 7.017 Total 12.340 10.516 12.458 8.634 (7) Information on derivative financial liabilities for hedging purposes: None. (31 December 2025: None.) (8) Explanations on provisions: a) Provisions for the foreign currency losses on the principal amount of foreign currency indexed loans and finance lease receivables: As of 30 June 2026 the Group does not have a provision amount of the currency differences on foreign currency indexed loans and finance lease receivables (31 December 2025: None). b) Specific provisions provided for unindemnified and unfunded non-cash loans: As of 30 June 2026, the Group’s stage 3 expected credit losses for unindemnified and unfunded non-cash loans balance is TRY 907. (31 December 2025: TRY 694). c) Information on other provisions: Total other provision balance amounting to TRY 5.897 (31 December 2025: TRY 4.655) consists of TRY 907 (31 December 2025: TRY 6 94) for stage 3 expected credit losses of unindemnified and unfunded non -cash loans, TRY 2.809 (31 December 2025: TRY 2.910) for stage 1 and stage 2 expected credit loss amount of non- cash loans, TRY 200 (31 December 2025: TRY 174) for legal cases filed ag ainst the Group, and TRY 1.981 (31 December 2025: TRY 877) of other provisions.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 89 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (continued) (9) Explanations related to tax liabilities: a) Information on current tax liability: a.1. Information on tax provision: As of 30 June 2026, the Group’s calculated current tax liability is amounting to TRY 1.444 and recognized under corporate tax provision account as of the mentioned date (31 December 2025: TRY 2.042) a.2. Information on taxes payable: Current Period Prior Period Corporate tax payable 1.444 2.042 Income on securities tax 13.025 11.208 Property income tax 26 24 Banking and insurance transactions tax (BITT) 3.788 3.359 Foreign exchange transactions tax 54 72 Value added tax payable 144 19 Other 1.425 1.370 Total 19.906 18.094 a.3. Information on premiums: Current Period Prior Period Social insurance premiums-employee 20 10 Social insurance premiums-employer 18 14 Bank social aid pension fund premium-employee 516 383 Bank social aid pension fund premium-employer 802 571 Pension fund membership fees and provisions-employee - - Pension fund membership fees and provisions-employer - - Unemployment insurance-employee 38 28 Unemployment insurance-employer 80 56 Other 11 13 Total 1.485 1.075 b) Explanations related to deferred tax liability: It is explained in the 13th footnote of Section Five, Explanations And Notes Related To The Assets. (10) Information on liabilities regarding non-current assets held for sale and discontinued operations: None (31 December 2025: None). (11) Explanations on the number of subordinated loans the Group used maturity, interest rate, institutions that the loan was borrowed from, and conversion option, if any(*): Current Period Prior Period Information on Subordinated Loans TRY FC TRY FC To be included in the calculation of additional capital borrowings instruments 28.368 56.678 17.109 42.955 Subordinated loans 17.297 - 17.109 - Subordinated debt instruments 11.071 56.678 - 42.955 Debt instruments to be included in contribution capital calculation 33.311 - 33.295 - Subordinated loans - - - - Subordinated debt instruments 33.311 - 33.295 - Total 61.679 56.678 50.404 42.955 (*) Detailed information is disclosed in Section Four Footnote I.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 90 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) II. EXPLANATIONS AND NOTES RELATED TO THE LIABILITIES (continued) (12) Information on shareholders’ equity a) Presentation of paid-in capital: Current Period Prior Period Common stock 7.185 7.185 Preferred stock - - b) Application of registered capital system and registered capital ceiling amount: There is an application of registered capital system and registered capital ceiling amount is TRY 30.000. c) Information on share capital increases and their sources; other information on increased capital shares in the current period: None. d) Information on additions from capital reserves to capital in the current period: None. e) Capital commitments in the last fiscal year and at the end of the following interim period, the general purpose of these commitments and projected resources required to meet these commitments: None. f) Information on the Parent Bank’s acquired shares: Between 1 January 2026 – 30 June 2026, no share buybacks or share sales were made. g) Indicators of the Group’s income, profitability and liquidity for the previous periods and possible effects of these future assumptions on the Group’s equity due to the uncertainty of these indicators: The Group has sustainable profitability and equity structure. There are no uncertainties that would impact the current position. h) Information on preferred shares: None. i) Information on marketable securities revaluation fund: Current Period Prior Period TRY FC TRY FC From subsidiaries, associates and jointly controlled entities (joint ventures) 15 23.911 15 23.214 Valuation differences 15 - 15 - Exchange rate difference - 23.911 - 23.214 Financial assets at fair value through other comprehensive income (7.340) 2.722 (6.777) 4.061 Valuation differences (7.340) 2.722 (6.777) 4.061 Exchange rate difference - - - - Total (7.325) 26.633 (6.762) 27.275

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 91 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) III. EXPLANATIONS AND NOTES RELATED TO THE OFF-BALANCE SHEET ITEMS (1) Information on off-balance sheet liabilities: a) Amount and nature of irrevocable loan commitments: Types of irrevocable commitments Current Period Prior Period Commitments for credit card expenditure limits 438.964 346.974 Payment commitments for cheques 48.882 38.797 Loan granting commitments 37.042 30.674 Forward asset purchase and sale commitments 163.540 76.581 Forward deposit purchase and sale commitments - - Commitments for credit cards and banking services promotions 541 427 Tax and fund liabilities from export commitments 1.534 1.343 Share capital commitments to associates and subsidiaries - - Other irrevocable commitments 87.614 83.802 Total 778.117 578.598 b) Amount and nature of probable losses and commitments from the off-balance sheet items: b.1. Non-cash loans including bank bill guarantees and acceptances, guarantees substituting financial guarantees and other letters of credit: Current Period Prior Period Letters of credit 82.746 49.967 Bank acceptances 101.860 78.547 Other guarantees 65.070 55.642 Total 249.676 184.156 b.2. Certain guarantees, tentative guarantees, sureties and similar transactions: Current Period Prior Period Letters of certain guarantees 188.071 170.290 Letters of advance guarantees 37.909 31.320 Letters of tentative guarantees 21.185 18.219 Letters of guarantee given to customs offices 29.332 27.971 Other letters of guarantee 860.816 772.594 Total 1.137.313 1.020.394 c) Information on non-cash loans: c.1. Total non-cash loans: Current Period Prior Period Non-cash loans for providing cash loans 200.460 179.362 Within one year or less original maturity 19.194 18.411 Within more than one year maturity 181.266 160.951 Other non-cash loans 1.186.529 1.025.188 Total 1.386.989 1.204.550 2) Explanations related to credit derivatives and its risk exposures: The Parent Bank has credit termly derivative transactions as part of its trading transactions. These transactions include credit default swaps which based on treasury of Türkiye Republic’s credit risk. As of 30 June 2026, the Parent Bank has credit default conditioned cross currency swap transaction amounting to USD 50 million with 5 year maturity (weight ed average remaining maturity 3,6 years). In this transactions the Parent Bank sells protection. 3) Explanations on contingent liabilities and assets: Group’s commitments for the cheques given to customers are TRY 48.882. (31 December 2025: TRY 38.797.). 4) Services provided on behalf of others: None. (31 December 2025: None.)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 92 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) IV. EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED STATEMENT OF PROFIT OR LOSS (1) Information on interest income: a) Information on interest income on loans: Current Period Prior Period TRY FC TRY FC Interest on loans(1) Short term loans 130.740 3.718 102.765 2.230 Medium and long term loans 156.480 23.283 123.718 16.905 Interest on non-performing loans 8.322 30 2.060 41 Premiums from resource utilization support fund - - - - Total 295.542 27.031 228.543 19.176 (1) Includes fees and commissions obtained from cash loans. b) Interest received from banks: Current Period Prior Period TRY FC TRY FC CBRT - 483 - 1.074 Domestic banks 5.414 1 1.170 1 Foreign banks 1.774 150 1.931 125 Foreign headquarters and branches - - - - Total 7.188 634 3.101 1.200 c) Interest income on marketable securities: Current Period Prior Period TRY FC TRY FC Financial Assets at Fair Value through Profit or Loss 617 706 501 696 Financial Assets at Fair Value through Other Comprehensive Income 21.590 5.219 21.698 2.707 Financial Assets Measured at Amortized Cost 113.211 2.981 112.158 2.655 Total 135.418 8.906 134.357 6.058 d) Interest income from subsidiaries and associates None. (30 June 2025: None.)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 93 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) IV. EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED STATEMENT OF PROFIT OR LOSS (continued) (2) Information on interest expenses: a) Information on interest expense on funds borrowed: (1) Current Period Prior Period TRY FC TRY FC Banks 1.567 3.331 4.110 1.738 CBRT - - - - Domestic banks 1.155 459 1.014 382 Overseas banks 412 2.872 3.096 1.356 Overseas head office and branches - - - - Other institutions 3.724 32 4.294 35 Total 5.291 3.363 8.404 1.773 (1) Includes fees and commissions obtained from cash loans. b) Interest expenses to subsidiaries and associates: Current Period Prior Period Interest expenses given to subsidiaries and associates 879 706 c) Information on interest expenses to securities issued: Current Period Prior Period TRY FC TRY FC Interest on securities issued 8.245 2.327 9.089 35

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 94 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) IV. EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED STATEMENT OF PROFIT OR LOSS (continued) (2) Information on interest expenses: (continued) d) Maturity structure of interest expenses on deposits: Current Period Time deposits Account name Demand deposits Up to 1 month Up to 3 months Up to 6 months Up to 1 year More than 1 year Accumulating Deposit Accounts Total Turkish Lira Bank deposits 166 16.161 10.111 203 - - - 26.641 Saving deposits - 7.268 120.040 24.156 146 176 14 151.800 Public deposits - 26.093 6.921 812 150 201 - 34.177 Commercial deposits 1 42.718 63.856 11.832 1.492 25 - 119.924 Other deposits - 1.954 22.838 10.851 444 45 - 36.132 7 days call accounts - - - - - - - - Total 167 94.194 223.766 47.854 2.232 447 14 368.674 Foreign currency Deposits 164 1.152 2.788 315 437 431 - 5.287 Bank deposits 1 70 1.247 11 6 18 - 1.353 7 days call accounts - - - - - - - - Precious metal - - 4 - - - - 4 Total 165 1.222 4.039 326 443 449 - 6.644 Grand total 332 95.416 227.805 48.180 2.675 896 14 375.318 Prior Period Time deposits Account name Demand deposits Up to 1 month Up to 3 months Up to 6 months Up to 1 year More than 1 year Accumulating Deposit Accounts Total Turkish Lira Bank deposits 46 18.672 4.833 201 3 - - 23.755 Saving deposits - 5.661 96.881 58.091 628 398 11 161.670 Public deposits - 1.655 5.802 893 143 2 - 8.495 Commercial deposits - 38.223 49.157 16.956 1.571 656 - 106.563 Other deposits - 1.822 16.529 8.131 2.499 9 - 28.990 7 days call accounts - - - - - - - - Total 46 66.033 173.202 84.272 4.844 1.065 11 329.473 Foreign currency Deposits 75 673 3.324 751 521 386 - 5.730 Bank deposits - 9 850 - 11 10 - 880 7 days call accounts - - - - - - - - Precious metal - - 9 1 - - - 10 Total 75 682 4.183 752 532 396 - 6.620 Grand total 121 66.715 177.385 85.024 5.376 1.461 11 336.093

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 95 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) IV. EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED STATEMENT OF PROFIT OR LOSS (continued) (3) Explanations on trading profit/loss: Current Period Prior Period Profit 622.176 259.890 Profit from the capital market transactions 2.596 1.637 Profit on derivative financial transactions 57.449 22.801 Foreign exchange gains 562.131 235.452 Loss (-) 638.510 266.407 Loss from the capital market transactions 4.415 2.443 Loss from derivative financial transactions 83.667 18.112 Foreign exchange losses 550.428 245.852 (4) Information on other operating income: Current Period Prior Period Adjustments for prior period expenses 9.186 7.953 Insurance technical income 423 320 Income from the asset sale 531 366 Rent income 379 289 Other income(*) 13.092 7.787 Total 23.611 16.715 (*)Other consists of valuation differences of investment properties. (5) Information on Expected Credit Losses and other provisions: Current Period Prior Period Expected Credit Losses 22.467 13.824 12 Month Expected Credit Loss (Stage 1) 2.559 2.592 Significant Increase in Credit Risk (Stage 2) 2.175 1.669 Non – Performing Loans (Stage 3) 17.733 9.563 Marketable Securities Impairment Expense - - Financial Assets at Fair Value through Profit or Loss - - Financial Assets at Fair Value through Other Comprehensive Income - - Impairment losses from associates, subsidiaries, jointly controlled entities - - Associates - - Subsidiaries - - Joint Ventures - - Other 27 207 Total 22.494 14.031

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 96 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) IV. EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED STATEMENT OF PROFIT OR LOSS (continued) (6) Information on other operating expenses: Current Period Prior Period Reserve for employee termination benefits 1.391 1.079 Bank social aid provision fund deficit provision - - Fixed assets impairment expense - - Depreciation expenses of fixed assets 2.686 1.737 Intangible assets impairment expense - - Goodwill impairment expense - - Amortization expenses of intangible assets 890 526 Impairment expense for equity shares subject to the equity method accounting - - Impairment expense of assets to be sold - - Amortization expenses of assets to be sold 235 66 Impairment expense for property and equipment held for sale - - Other operating expenses 27.816 14.505 Leasing Expenses on TFRS 16 Exceptions 570 449 Maintenance expenses 656 449 Advertisement expenses 1.553 1.459 Other expenses(*) 25.037 12.148 Loss on sales of assets 1 2 Other(**) 11.979 10.608 Total 44.998 28.523 (*) Other expenses mainly comprise fees related to credit card and other banking transactions. (**) Other consists of TRY 2.639 (30 June 2025: TRY 1.910) SDIF premium expenses, TRY 5.046 (30 June 2025: TRY 4.916) tax and fee expenses. (7) Information on profit/loss from continuing and discontinued operations before taxes: The Group's income before tax/loss is due from continuing activities. Net interest income is TRY 81.339 (30 June 2025: TRY 41.454), net fees and commisions income is TRY 36.108 (30 June 2025: TRY 27.662) and the profit before tax from continued operations is TRY 21.701 (30 June 2025: TRY 13.020) (8) Information on tax provisions for continued and discontinued operations: For the period then ended 30 June 2026, the Group’s tax provision expense amounting to TRY 3.089 (30 June 2025: TRY 788 tax provision income) consists of TRY 2.565 (30 June 2025: TRY 1.252) of current tax charge and TRY 7.632 (30 June 2025: TRY 12.043) of deferred tax expense, TRY 7.108 (30 June 2025: TRY 14.083) of deferred tax income. (9) Information on net operating income/expense from continued and discontinued operations after tax: For the period then ended 30 June 2026, the Group’s net operating income after tax is amounting to TRY 18.612. (30 June 2025: TRY 13.808) (10) Information on net profit/loss: a) If disclosure of the nature, size and recurrence rate of income and expense items arising from ordinary banking transactions is necessary to understand the bank's performance during the period, the explanation regarding the nature and amount of these items is as follows: There is no issue to be disclosed. b) Effects of changes in accounting estimates on the current and future periods’ profit/loss: There is no issue to be disclosed. (11) Other items in the Income Statement: The other items under Fees and Commissions Received and Fees and Commissions Paid generally consist of credit card and other banking transaction commissions.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 97 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) V. EXPLANATIONS RELATED TO THE RISK GROUP OF THE PARENT BANK (1) Volume of the Parent Bank’s transactions with its risk group and outstanding loan and deposit balances as of the period-end, period income and expenses from the risk group: a) Information on the loans of the Parent Bank’s risk group: Current Period Bank’s risk group Subsidiaries, associates and jointly controlled entities (joint ventures) Direct or indirect shareholders of the Bank Other real and legal persons in the risk group Cash Non-Cash Cash Non-Cash Cash Non-Cash Loans Beginning Balance - 69 - - - - Closing Balance - 88 - - - - Interest and commissions income - - - - - - Prior Period Bank’s risk group Subsidiaries, associates and jointly controlled entities (joint ventures) Direct or indirect shareholders of the Bank Other real and legal persons in the risk group Cash Non-Cash Cash Non-Cash Cash Non-Cash Loans Beginning Balance - 16 - - - - Closing Balance - 69 - - - - Interest and commissions income - - - - - - b) Deposits held by the Parent Bank’s risk group: Bank’s risk group Subsidiaries, associates and jointly controlled entities (joint ventures) Direct or indirect shareholders of the Bank Other real and legal persons in the risk group Deposits Current Period Prior Period Current Period Prior Period Current Period Prior Period Beginning Balance 5.211 2.964 - - - - Closing Balance 4.791 5.211 - - - - Interest expense on deposits 879 706 - - - - c) Forward and option contracts and similar transactions with the Parent Bank’s risk group: None. (31 December 2025: None.)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 98 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) V. EXPLANATIONS RELATED TO THE RISK GROUP OF THE PARENT BANK (continued) (2) Disclosures for risk group of the Parent Bank: a) The relations of the Parent Bank with the entities controlled by the Parent Bank and its related parties, regardless of whether there are any transactions or not: In the normal course of its banking activities, the Parent Bank conducted various business transactions with related parties at commercial terms and at rates which approximate market rates. The Parent Bank performs brokerage on the activities of Halk Yatırım Menkul Değerler AŞ within the scope of “the Brokerage Contract for Order Submission”. b) Besides the structure of relationship, nature of the transaction, amount and ratio to the total vo lume of transactions, amount of major items and ratio to all items, pricing policies and other factors: Current Period Amount Compared To The Amounts In The Financial Statements (%) Cash Loans - - Non-Cash Loans 88 <0,01 Deposits 4.791 0,13 Forward and Option Contracts - - Prior Period Amount Compared To The Amounts In The Financial Statements (%) Cash Loans - - Non-Cash Loans 69 <0,01 Deposits 5.211 0,14 Forward and Option Contracts - - Pricing of these transactions are in accordance with the general pricing policies of the Parent Bank and are in line with market rates. c) In cases whereby separate disclosure is not necessary, the total of similar items in order to present the total impact on the financial statements: Explained in b). d) Transactions accounted under the equity method: None. (31 December 2025: None.) (3) Benefits given to the key management personnel: Benefits given to the key management personnel of the Group are TRY 331. (30 June 2025: TRY 179)

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 99 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) VI. EXPLANATIONS RELATED TO THE SUBSEQUENT EVENTS On 3 July 2026, Moody’s upgraded the Parent Bank’s Baseline Credit Assessment (BCA) to B3 from Caa1. The Parent Bank’s long-term local and foreign currency counterparty risk ratings, as well as its long-term local and foreign currency deposit ratings, were reaffirmed at Ba3. The outlook on all affirmed ratings remained Stable. Increase of the issued share capital of the Parent Bank, which consists of shares each with a nominal value of TRY 0.01 (full TRY) and amounts to a total of TRY 7.185, by TRY 1.796 to TRY 8.981 in consideration of new shares to be offered to the public, by way of full restriction of the pre -emption rights of the existing shareholders, within the registered capital ceiling of TRY 30.000, pursuant to Article 6 of the Articles of Association, in accordance with the Capital Markets Law and related communiqués, is determined by the decision of Board of Directors dates 7 August 2026. VII. OTHER EXPLANATIONS On October 15, 2019, the United States Attorney’s Office for the Southern District of New York under the U.S. Department of Justice indicted the Bank by repeating the allegations set forth in the case filed against the former executive of the Bank due to the Iranian sanction violations. The Bank’s personal jurisdiction and recus al objections were denied by the District Court on December 5, 2019, and the same objections the Bank appealed with the U.S. Court of Appeals for the Second Circuit (“Second Circuit”) were denied on February 21, 2020. At the hearing held in the District Court on June 30, 2020; the schedule was determined regarding the motion to recuse, discovery motions, and filings of other motions. It was decided that the jury trials would begin on March 1, 2021 for which the schedule was revised on October 26, 2020. Acco rdingly, the jury trials are scheduled to be held on May 3, 2021. In this regard, the Bank filed its recusal motion on July 14, 2020 and its other motions to dismiss the indictment on August 10, 2020 at the District Court. Bank’s recusal motion was denied by the District Court on August 24, 2020 and the Second Circuit on December 23, 2020. District Court denied Bank’s motion to dismiss the indictment on October 1, 2020. The Bank appealed to the Second Circuit against the dismissal of its motion to dismiss t he indictment on the grounds that the Bank entitled to sovereign immunity under both the FSIA (Foreign Sovereign Immunity Act) and common law. The Second Circuit ruled to stay the Bank’s proceedings at the District Court on December 23, 2020, and also agreed to hear the appeal on the merits. Following the oral argument presented on April 12, 2021, the Second Circuit denied the Bank’s appeal on October 22, 2021. Because the Bank would escalate its sovereign immunity appeal with the Supreme Court of the United States, the Second Circuit ruled on January 14, 2022 to stay the District Court proceedings until the Supreme Court process is completed. Following the oral argument at the U.S. Supreme Court on January 17, 2023, the opinion was announced on April 19, 2023. The Supreme Court ruled that FSIA applied only in civil cases and not in criminal cases. On the other hand, the Supreme Court ruled that the Second Circuit did not fully consider the Bank’s sovereign immunity status under common law and remanded the case to the Court of Appeals for reconsideration. Upon further review, with its decision dated October 22, 2024 the Second Circuit rejected the Bank's common law immunity request and affirmed the District Court's order. On December 12, 2024, the Bank filed a motion to stay the Second Circuit’s mandate, which was granted on December 18, 2024, and the mandate was stayed pending the filing and disposition of the Bank’s petition for a writ of certiorari to the U.S. Supreme Court. The Bank filed its petition for a writ of certiorari with the U.S. Supreme Court on May 5, 2025. The Bank’s petition for a writ of certiorari was denied by the U.S. Supreme Court on October 6, 2025. Accordingly, the legal process regarding the Bank’s objections under sovereign immunity was completed. As a result of efforts to reach a legal and reasonable settlement within the framework of agreements between the U.S. and Turkey; concerning the criminal charges brought against the Bank on October 15, 2019 in the U.S. it was approved by the Bank's Board of Directors that a Deferred Prosecution Agreement ("DPA") in the Bank's favor be signed with the U.S. Justice Department's U.S. Attorney's Office for the Southern District of New York in order to conclude the case by means of settlement.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 100 SECTION V: EXPLANATIONS AND NOTES RELATED TO THE CONSOLIDATED FINANCIAL STATEMENTS (continued) VII. OTHER EXPLANATIONS (continued) The DPA signed between the SDNY and the Bank, in order to conclude the criminal charges brought against the Bank in the U.S. by means of settlement, was discussed by the U.S. District Court for the Southern District of New York and has gone into effect on March 11, 2026. Within the scope of that settlement agreement the Bank will not be admitting to any criminal wrongdoing, nor will any judicial or administrative fines be paid. The Compliance Report required by the DPA signed between the U.S. Attorney's Office for the Southern District of New York and the Bank on May 11, 2026 was prepared by the expert entity and submitted i n a timely manner to the U.S. Attorney's Office for the Southern District of New York, and U.S. Treasury Department's Office of Foreign Assets Control (OFAC). Following the submission of the Compliance Report, the U.S. Attorney's Office for the Southern Di strict of New York and the Bank submitted the jointly signed letter for the dismissal of the criminal case to the U.S. District Court for the Southern District of New York on June 10, 2026. As per the conference held in the U.S. District Court for the Southern District of New York on June 17, 2026, the Court approved the dismissal of the criminal case against the Bank in the U.S. Thus, the criminal case against the Bank in the U.S., which had been ongoing for years, has been definitively and conclusively closed. OFAC officially notified the Bank that they closed the administrative processes regarding the Bank without taking any further steps with the “No Action Letter” of March 4, 2026 which they sent to the Bank’s legal counsel firm in the U.S. In addition, a civil case (the Owens or first civil case) was filed by a group of plaintiffs against the Bank on March 27, 2020 with a claim for damages in the Southern District of New York Court "on the grounds that they (the plaintiffs) could not collect their judgments from Iran due to violations of sanctions" and it was served to the Bank's attorneys on July 1, 2020. The Bank filed a motion at the District Court to dismiss the complaint, and thus to dismiss the case on September 25, 2020, and the case was fully briefed on December 16, 2020. The District Court conditionally granted Bank’s motion to dismiss on the grounds of forum non conveniens on February 16, 2021, and the case was closed at the District Court on March 3, 2021. The Plaintiffs appealed to the decisi on by taking the District Court’s decision to the Second Circuit on June 30, 2021. After the case is fully briefed, the oral arguments were heard before the Second Circuit on October 13, 2022. The Second Circuit ruled in the Bank’s favor and dismissed the lawsuit seeking to satisfy judgements on May 2, 2023. Plaintiffs applied to the US Supreme Court on August 30, 2023 for a writ of certiorari in order to appeal the Second Circuit decision. The Supreme Court reviewed the application on January 5, 2024 and announced its decision to reject the plaintiff’s appeal on January 8, 2024. Accordingly, the Owens case brought against the Bank on March 27, 2020 was conclusively dismissed. Finally, on July 26, 2023, 151 plaintiffs filed a complaint in the U.S. District C ourt for the Southern District of New York and a new civil case (the Hughes or second civil case) against the Bank seeking to satisfy judgments similar to the Owens case. The service was processed on October 1, 2023. According to the complaint, the plaintiffs seek judgments decision from the Court to the fullest extent permitted by law, attempting to establish a connection between certain aggrievements they have suffered in various countries and the supposed allegations in the current criminal case against the Bank, which was filed on October 15, 2019. The Bank filed its motion to dismiss with the District Court on December 22, 2023 and the fully briefing is ended on April 22, 2024. On May 1, 2024, the district court in an appeal against the Governmen t’s request, ruled to stay all judicial proceedings in the civil case until the conclusion of the criminal proceedings against the Bank. Therefore, the Hughes case is stayed until the final decision is made in the criminal case against the Bank. The proceedings of both the criminal case and the civil case are closely monitored by the Bank through U.S. law firms with relevant expertise. Following the dismissal of the criminal case in the Bank’s favor, there has been no further development regarding the Hughes civil case so far. Even though the uncertainty as to the processes of the Hughes case continue, as a result of the assessment made by the Bank’s management the afore -mentioned case is not expected to affect the Bank’s financial statements.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 101 SECTION VI: LIMITED REVİEW REPORT I. EXPLANATIONS ON LIMITED REVIEW REPORT The consolidated financial statements of the Parent Bank as at and for the period ended 30 June 2026 have been reviewed by KPMG Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik AŞ and the review report dated 7 August 2026 is presented before the consolidated financial statements. II. EXPLANATIONS AND NOTES PREPARED BY THE INDEPENDENT AUDITOR None.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 102 SECTION VII: INTERIM ACTIVITY REPORT I. INTERIM ACTIVITY REPORT INCLUDED CHAIRMAN OF THE BOARD OF DIRECTORS AND CEO'S ASSESMENTS FOR THE INTERIM ACTIVITIES Chairwoman’s Review Valued Stakeholders, In the second quarter of 2026, the global economy continued to face pressure from geopolitical tensions. Disruptions along critical trade routes, particularly the Strait of Hormuz, as well as supply concerns surrounding raw materials and food, slowed the momentum of global trade. Volatility in energy and commodity prices further heightened risks to the global disinflation trend, dampening th e overall growth outlook. Despite regional instability, Türkiye’s economy maintained a steady and balanced growth trajectory. In an international landscape where strong leadership is increasingly important, Türkiye’s balanced and rational policies have highlighted its regional significance while strengthening its position as a global power. Recent geopolitical shifts also present major economic opportunities from which Türkiye is well positioned to benefit, supported by its robust fundamentals and production infrastructure. Comprehensive support programs and incentive mechanisms targeting value -added production, strategic investments, and foreign exchange -generating activities play a vital role in strengthening our economy. Meanwhile, the banking sector continues to support the real economy, supported by its solid capital base and selective credit policies. Moreover, incentives centered around the Istanbul Financial Center accelerate the development of our financial infrastructure. A strategically significant development for Halkbank in the second quarter was the favorable resolution of the long-standing criminal case in the United States. This milestone ruling has elevated our standing in global financial markets and strengthened our operational flexibility. The resulting legal clarity has enhanced our access to international funding sources, reduced our borrowing costs, and deepened our integration into global financial markets. As Halkbank celebrates its 88th anniversary, we remain dedicated to our mission as “The People’s Bank” and continue to serve as the leading financial partner for our SMEs, tradespeople, and artisans. We actively contribute to every stage of social development by providing tailored financing for women entrepreneurs, innovative packages for young entrepreneurs, and solutions that promote family welfare. Beyond providing financial capital, we help strengthen the social fabric of our country through dedicated community development and social responsibility projects. Guided by a people -centered governance approach, a deeply committed workforce, and a strong capital foundation, we remain committed to supporting our country’s development goals and creating lasting value for our stakeholders. Sincerely, Meltem TAYLAN AYDIN Chairwoman (*) Interim activity report information concerning amounts are consolidated and full TRY unless otherwise stated.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 103 SECTION VII: INTERIM ACTIVITY REPORT (continued) I. INTERIM ACTIVITY REPORT INCLUDED CHAIRMAN OF THE BOARD OF DIRECTORS AND CEO'S ASSESMENTS FOR THE INTERIM ACTIVITIES (continued) General Manager’s Review Valued Stakeholders, The second quarter of 2026 was marked by continued global uncertainties. Geopolitical tensions in the Middle East, shifts in trade policies, and financial market volatility continued to play a significant role in shaping the economic outlook. Although initial steps were taken toward easing regional tensions, the lack of lasting stability increased risks to energy supply security and global supply chains. High commo dity prices, energy cost volatility, and persistent inflationary risks prompted central banks to maintain a cautious stance in their monetary policies. Consequently, global growth forecasts were revised downward. Amid complex challenges facing the global e conomy, Türkiye maintained its resilience through decisive economic policies. Holistic policies strengthened macroeconomic stability, while progress in the disinflation process, an improving inflation outlook, and unwavering fiscal discipline reinforced co nfidence in the economy. A balanced current account outlook and the strong reserve position of our Central Bank also contributed to economic stability. Consequently, Türkiye continues to advance steadily toward its vision of sustainable high growth. In the second quarter of the year, the banking sector reinforced its strategic role in financing the economy, supported by its solid capital structure, high liquidity capacity, and effective risk management practices. Aligning its actions with the economic ad ministration's policy direction, the sector focused on meeting the financing needs of the real economy, thereby contributing to sustainable growth. As of June 30, the sector’s capital adequacy ratio remained well above the minimum threshold and non -performing loans stayed at a manageable level, demonstrating the sector's overall financial resilience. Halkbank, in line with our founding mission, continued to support the financing of the real economy by directing resources toward priority areas. We consider i t our primary responsibility to support all segments contributing to production, investment, employment, and exports, particularly tradespeople, artisans, and SMEs. As of the end of the first half of the year, our commercial loan volume surpassed 2 trillion Turkish lira. SME loans accounted for 54.2 percent of our commercial loans, corresponding to 14.1 percent in market share. Thanks to our innovative financing models designed to support the production capacity of tradespeople and artisans, the number of l oan customers in this segment reached 760,000, while our total loan volume for tradespeople rose to 321 billion Turkish lira. Empowering women and young entrepreneurs remains a core priority for us. To this end, we have provided 137 billion Turkish lira in financing to 277,000 women entrepreneurs since 2021. Today, Halkbank accounts for one in every three loans extended to women entrepreneurs across Türkiye. Under our Entrepreneurs Loan Packages, designed to bolster entrepreneurs’ business models, we have extended 49 billion Turkish lira in loans to 217,000 entrepreneurs since 2021. Gençİz Loan continues to support young entrepreneurs seeking to establish or grow their businesses, while the First Step Loan supports young individuals as they begin their professional journeys. We foster entrepreneurship not only by providing funding, but also by offering expertise, experience, and collaborative opportunities. Guided by our responsive and innovative banking approach, we continued to implement programs that contribute to the development of the entrepreneurial ecosystem during the second quarter. (*) Interim activity report information concerning amounts are consolidated and full TRY unless otherwise stated.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 104 SECTION VII: INTERIM ACTIVITY REPORT (continued) I. INTERIM ACTIVITY REPORT INCLUDED CHAIRMAN OF THE BOARD OF DIRECTORS AND CEO'S ASSESMENTS FOR THE INTERIM ACTIVITIES (continued) General Manager’s Review (continued) Halkbank Productive Women Meetings, designed to encourage increased participation of women in the economy, hosted events that highlighted the potential of women entrepreneurs, fostered partnerships, and helped participants gain new perspectives. Held for the third time this year, our Jet Luck elevator pitch competition provided entrepreneurs with the opportunity to present their innovative ideas to leading business leaders. Girls Shaping the Future of Science (BIGE), in partnership with Habitat Association, continues to reach more female students each year. We successfully completed the Hackathon, the second phase of the project aimed at encouraging young women to pursue STEM (science, technology, engineering, and mathematics) fields. HUBrica Acceleration Program, launched in partnership with ITU ARI Teknokent, supports promising startups in fintech, AI, and sustainability. As part of our social benefit initiatives, Halkbank Children's Theater helps raise awareness among children about saving, responsible consumption, and environmental responsibility. Distinguished Stakeholders, As we proudly celebrate our 88th anniversary, the criminal case pending against the Bank in the United States for the past nine years reached a definitive and final conclusion without any judicial or administrative sanctions. This decision further solidified the Bank’s standing in international markets, creating a strong foundation to expand our access to international funding sources and strengthen our existing partnerships with international financial institutions. The upward revisions to our credit ratings by Fitch Ra tings and Moody’s further recognized our strong credibility in global markets. Capitalizing on this environment of increased confidence, we will continue to effectively utilize our diversified international funding sources to support the real economy. Alongside this milestone achievement, our financial results also demonstrated the strength of our Bank’s balance sheet and balanced growth performance. In the second quarter of 2026, our Bank increased its total assets to 4.7 trillion Turkish lira, up by 1 0 percent compared to the end of 2025. Our cash loans rose by 20 percent to 2.4 trillion Turkish lira, while our non-cash loans increased by 15 percent to over 1.3 trillion Turkish lira, bringing our total loan volume to 3.7 trillion Turkish lira, up by 18 percent. Meanwhile, our shareholders’ equity rose by 7.5 percent to 235 billion Turkish lira. Our deposit volume grew by 5 percent to 3.7 trillion Turkish lira, and securities portfolio reached 1.2 trillion Turkish lira. Our net profit stood at 17.7 billion Turkish lira with a 40 percent year-on-year increase. Going forward, with approximately 1,200 service units and a workforce of over 22,000, we will remain steadfast in our commitment to building upon our achievements. Growing with new additions, our Hal kbank Family will remain a key pillar of our strategy to add value to the national economy through employment, investment, and production. I would like to take this opportunity to express my heartfelt gratitude to all our customers and stakeholders for their trust in our Bank, as well as to our colleagues for their dedication and efforts. R. Süleyman ÖZDİL General Manager (*) Interim activity report information concerning amounts are consolidated and full TRY unless otherwise stated.

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 105 SECTION VII: INTERIM ACTIVITY REPORT (continued) I. INTERIM ACTIVITY REPORT INCLUDED CHAIRMAN OF THE BOARD OF DIRECTORS AND CEO’S ASSESMENTS FOR THE INTERIM ACTIVITIES (continued) Major Financial Information Summary Balance Sheet (TRY Million) June 2026 December 2025 Change (%) Total Assets 4.979.686 4.497.070 10,7 Loans 2.503.483 2.095.987 19,4 TRY 1.679.308 1.403.041 19,7 FC 824.175 692.946 18,9 Marketable Securities 1.271.041 1.213.022 4,8 Deposit 3.787.320 3.607.838 5,0 TRY 2.297.440 2.208.357 4,0 FC 1.489.880 1.399.481 6,5 Total Equity 248.398 222.945 11,4 Summary Statement of Profit or Loss (TRY Million) June 2026 June 2025 Change (%) Interest Income 527.589 436.849 20,8 On Loan 322.573 247.719 30,2 On Securities 144.324 140.415 2,8 Interest Expense 446.250 395.395 12,9 On Deposit 375.318 336.093 11,7 Net Interest Income 81.339 41.454 96,2 Net Fee and Commission 36.108 27.662 30,5 Net Profit 18.612 13.808 34,8 Ratio (%) June 2026 December 2025 Cash Loans/Total Asset 50,27 46,61 Non-Performing Loans/Total Cash Loans (Gross) 4,3 3,89 Demand Deposit/Total Deposit 29,4 28,94 Loan/Deposit Ratio 66,1 58,10 Average Return on Asset (ROA) 0,79 0,76 Average Return on Equity (ROE) 15,93 14,72 Capital Adequacy Ratio 13,22 15,56

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TÜRKİYE HALK BANKASI AŞ EXPLANATIONS AND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED 30 JUNE 2026 (Amounts expressed in million Turkish Lira (TRY) unless otherwise stated.) 106 SECTION VII: INTERIM ACTIVITY REPORT (continued) I. INTERIM ACTIVITY REPORT INCLUDED CHAIRMAN OF THE BOARD OF DIRECTORS AND CEO’S ASSESMENTS FOR THE INTERIM ACTIVITIES (continued) 2026 Second Quarter Interim Developments Significant Developments ▪ Throughout the period, our Bank issued commercial papers with a par value of 2.2 billion Turkish lira and Tier 2 bonds with a par value of 11 billion Turkish lira to qualified investors. ▪ Our Bank has secured $350 million in foreign funding through loan agreements with various international banks. New Products and Campaigns ▪ The “Credit Guarantee Fund -Backed Tourism Support Package” was introduced to finance the operating expenses of SMEs and non-SME companies with Tourism Business Certificates. ▪ The “İGE -Backed Tourism Support Package” was launched to help finance the operating expenses of exporting and/or foreign currency -earning SMEs and non -SME companies holding Tourism Business Certificates. ▪ The “İGE Export Acceleration Support Package” was launched to help finance all contract - or invoice-based operating expenses and liquidity needs of exporters, manufacturers producing export -oriented goods that are exported through intermediaries, and foreign-currency-earning service providers. (*) Interim activity report information concerning amounts are unconsolidated and full TRY unless otherwise stated.

Interim report