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“A Story of The Fastest Growing Bank of Turkey”

“A Story of The Fastest Growing Bank of Turkey”. Agenda. Aktif Bank “New Generation Banking” About Çalık Holding Banking Model-Direct Banking-City Banking-Regional Banking Affiliates Aktif Bank’s Innovations Figures. B. RIEFLY AKTIF BANK. * As of September 30, 2010. 3. Ç.

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“A Story of The Fastest Growing Bank of Turkey”

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  1. “A Story of The Fastest Growing Bank of Turkey”

  2. Agenda • Aktif Bank “New Generation Banking” • About Çalık Holding • Banking Model-Direct Banking-City Banking-Regional Banking • Affiliates • Aktif Bank’s Innovations • Figures

  3. B RIEFLY AKTIF BANK *As of September 30, 2010 3

  4. Ç ALIK HOLDING • The leading investor in Turkey, Balkans and CIS • One of Turkey’s most up and coming Groups with more than 19,000 employees in 12 countries • 2009 Assets of USD 4.5 billionand Revenues of USD 1.5 billion • On a national scale rated BBB by Fitch and JCR, on an international scale rated B- by Fitch and BB- by JCR (Upgraded from B+ to BB- on February 2010) • 5th Turkish corporate issuing a Eurobond • Reputable partnershipsandcooperation with global brands • ENI, EWE, Mitsubishi, General Electric, Turkish Telecom, • Qatar InvestmentAuthority, Anatolia Minerals, Initec Energia We are an Affiliate of a Reputable Global Conglomerate 4

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  6. TAPCO • POWER SYSTEMS • Awarded the license to build and operate strategically important Trans-Anatolian Pipeline (TAP) • Partnership with ENI Group of Italy • Annual capacity of 50-70 million tons of oil • Completion date of 2013 • Completed turnkey delivery of 5 power stations with a total apacity of 883 MW in Turkmenistan • 254 MW 6th power plant under construction • Long-term supply and maintenance contract with Turkmen state • Hold 10 licenses to construct hydroelectric, wind and thermal power plants with a total capacity of 1500 MW in Turkey • Joint construction of a gas power plant in Uzbekistan with Initec Energia of Spain • Project amount of USD 470 million • Generation capacity of 472 MW • Completion date of 2013 • EXPLORATION AND DRILLING • Explores and drills oil and gas in Turkmenistan • Partnership with Parker Drilling of USA • Holds oil and exploration licenses in Eastern Turkey and Thrace region REFINERY • Awarded the license to build a refinery and petrochemical complex in Ceyhan • Annual capacity of processing 10million tons of crude oil and 2 million tons of petrochemicals , Budget of USD 6 billion • UTILITIES • Çalık Energy was rewarded the tender for 100 % privatisation of Yeşilırmak Electricity Distribution Company on 6th November’09 • 1.5 million subscribers in the cities of Samsun, Amasya, Çorum, Ordu and Sinop • Acquisition price has been USD 441.5 million • Participates as an investor in Bursagaz and Kayserigaz with 10% stake in each company • Bursagaz and Kayserigaz services 850,000 households • In October 2008, Çalık Holding sold 39.9% of Bursagaz and Kayserigaz to EWE for a total price of USD 438 million (34x 2008E EBITDA) • ALBTELECOM • Owns 76% stake in Albania's Albtelecom • Turkish Telecom is a strategic partner with 20% share • Incumbent fixed line operator in Albania • 290,000 subscribers with a potential of 1 million, 30% penetration • Third GSM operator after AMC and Vodafone • 500,000 subscribers, 15% market share 6

  7. GAP İNŞAAT • MEDIA • GAP İnşaat ranked 163rd in the “Top International Contractors” list of ENR magazine in 2008 • Active in the construction of turnkey industrial plants, infrastructure and environmental projects, hospitals, hotels, schools, roads and museums • Cover Middle East, CIS and North Africa • Value of completed projects amounts to approximately USD 2.5 billion • Value of housing projects in the pipeline with a start date of late 2009 in Istanbul is around USD 750 million • Undertaking Turkey’s first urban transformation and renovation projects with private involvement in the heart of Istanbul • Tarlabaşı, FenerBalat • One of only two nationwide print distribution network in Turkey • 5 regional offices (2 representative offices) • 5 printing facilities • 25,794 sales outlets (810 chain stores) • 221 distributors • 20% market share in TV & newspaper advertising • Lusail International Media Co., media affiliate of Qatar Investment Authority, is 25% shareholder of Turkuvaz • GAP GÜNEYDOĞU TEKSTİL • GAP Güneydoğu is one of the world’s top ten suppliers of denim • The only rated textile company in Turkey with a local currency rating of BBB+ from Fitch • Active in the production of yarn, fabric, garment and home textiles • Manufacturing operations in Turkey, Turkmenistan and in Egypt • Majority of sales exported to North America, Europe, North Africa and East Asia • Top 3 export destinations are the USA, Italy and Spain • Customers include global names such as Diesel, Replay, Lee-Wrangler, Levi’s,Benetton, H&M, Calvin Klein, Tommy Hilfiger, Zara G-Star, Miss Sixty, M&S, Next, Esprit, Escada • ÇALIK MADEN • An extensive partnership with Anatolia Minerals in Turkish mining industry • Anatolia Minerals is based in the US and holds more than 100 licenses in Turkey • ÇalıkMaden buys into Çukurdere, a subsidiary of Anatolia Minerals • 175,000 ounces annual production startedin 2010 • Cukurdere owns a gold mine in Erzincan with 6m ounces reserves • The alliance will allow for joint exploration and development of othermineral properties in Turkey on a 50/50 basis 7

  8. NEW GENERATION BANKING MODEL B DIRECT REGIONAL CITY ANKING Investment Retail Corporate Treasury 8

  9. B DIRECT REGIONAL CITY ANKING • DIRECT BANKING • CITY BANKING • REGIONAL BANKING • Provide customized financial & non-financial products and services for the different needs of the cities • Concentration centers in the cities • Proper alternative distribution channels for operational and financial infrastructure of the city • Corporate and investment products for the municipalities and local businesses • Instead of investing in branch network, we provide technology-based products regardless of time and location constraints with convenient and attractive prices. • Branchless banking model • Online integration with the Post Offices • “Shop in Shop” concept • To expand trade relations as a financial actor in Balkans, the CIS and the Middle East • Synergies with our foreign based subsidiaries • Growing with new subsidiaries in the region • To be role model for other countries 9

  10. B ANKING CHANNELS Physical Channels Electronic Channels • Merchant Channel Network • PTT3,750 pointsin Turkey • AktifPoints 760 points in 8 cities • Aktif Kiosks 18 locations in 4 cities • Branches6 in 6 cities • Aktif Bank Web Page and City Portalsin Turkey • Internet Banking in Turkey and Albania • Dealer Portalsin Turkey • Call Center in Turkey and Albania • Mobile Banking and Mobile City Applications in Turkey and Albania THE WIDEST DISTRIBUTION CHANNEL 10

  11. Aktif Bank’s Retail Banking Innovations

  12. A P1 KTIF ONLINE FULL ONLINE INTEGRATION WITH PTT Launch Time January 2010 Cash Deposit • The first and the only online-realtime platform between bank networks and the PTT • Aktif Online provides Aktif Bank the widest physical distribution channel via 4000 points, including 1,178 locations where there are no bank branches • Enables quick product and service deployment • Deposits Billing Collection Card Collection Loan Collection • Cash Withdrawal Loan Payment • Cash Withdrawal • Financial Products Account Opening Application • Credit and Card • Application • Mutual Funds • Regular Transfer Instructions • Regular EFT Instructions • Other Company Products • Stocks • Securities • Insurance

  13. -Cash Management- “UPT” Cheap Money Transfer Launch Time January 2010 • “UPT” which means“Cheap Money Transfer” • UPT Is Competitive And Profitable • Without any branch overhead, it is possible to price the product well below the market • UPT Is Easy • Anyone can use UPTeven when they are not a bank customer • UPT Is Widespread • 3.200 PTTbranches, over 8,800 bank branches, telephone and internet banking as well as withdrawingcash from all 22,800 ATMs in Turkey • UPT system was activated on January 26, 2010 and 135.000 UPTwas performedby the end of November. 13

  14. -Cash Management- “Global Money Transfer Program" Foreing Currency Transfers Launch Time November 2010 • Foreign Currency Transfers • Foreign currency transfers, domestic and international • UPT Membership Program • Using UPT Account for online shopping without sharing any financial data • Money Transfer from UPT Account to anyone, anywhere • We candidate to be one of the leading money transfer program in the next future 14

  15. K P2 REAKTIF LOAN FACTORY • Application INSTANT CREDIT DECISION • Automatic Authentication (National ID Information Sharing System) • Automatic Decision System (decision trees, matrices, segmentation) • Our dynamic and measurable loan factory includes flexible workflows and has high integration capability with different channels such as dealer, web, SMS and branch banking. Business Rule Management System integrated to loan factory produces loan decision in seconds. Other components of factory are: • Verification Module • Fraud Module • User-friendly screens • Smart Application Fields • Dynamic Matrix • Online Web Services • Collateral, Document Management • Reporting and Monitoring System • Cross Check (Black List, Previous Applications) • Web Based Queries (Central Bank, Credit Bureau etc) • Fraud • Check 15

  16. -Loan Products- “Consumer Loans” Loans through Dealers and ADCs • “Doğtaş and Kelebek are two major furniture manufacturer chains in Turkey with sales points around the globe” • “Aktif Bank’s Dealer Credit System - Kreaktif is used at more than 150 dealers of Doğtaş and Kelebek • Negotiations continue with “Tepe Home” for similar cooperations • Boiler and installation loan program is available at 40dealers • Private bus assocations are offered • SME Loans with and without collateral • Refinancing Loans • Vehicle Loans 16

  17. -Loan Products- “PTT Kredi” Launch Time July 2010 Loans through Post Office Branches • Aktif Bank collaborates with PTT and offers consumer loans to the PTT payroll customers • Given sufficient funding, accessing these 500,000 payroll customers with secured, colleteralized retail loans offers has a sales potential of USD 1 billion • Credit operations was introduced to PTT for the first time by providing loan training to 1500 staff in 25 cities • 32.500 applications received and 15.000 credits were used by the end of November 2010 • 200 (TL million) credit balance and 80.000 customers are targeted by the end of 2010 17

  18. -Micro Credit- “BRJ” Turkey's first Micro Credit projects will be carried out with the Aktif Bank infrastructure and BRJ Know - How. In this projects, the credit allocation service will be held by Aktif Bank via BRJ guarantors 18

  19. A P3 KTIF CARD SYSTEM PREPAID/DEBIT/CREDIT CARD MANAGEMENT SYSTEM AND CHIP TECHNOLOGY Aktif Card System (AKS)is a multilingual, multi currency, multi-institution loyalty card platform AKSprocesses huge volume of transactionswith high speed in a secure AKS is capable of setting payment standards between Turkey and the neighbouring countries We are the first Bank in Turkey to develop “a-purse” (Aktif Purse)which is a dual interface chip card application with transportation functionality. “a-purse” is a product of pure LOCAL engineering and it is fully compatable with GLOBAL standards • Automatic Decision System • Office Verification Module • Fraud Module • User-friendly screens • Smart Application Fields • Dynamic Matrix • Online Outsource Interrogation 1 PrePaid card programs and offline transaction/balance management 2 Mifare, PayPass (MC) and PayWave (VISA) contactless card application, NFC 3 Standard credit card, debit card programs, Loyalty and point applications 4 Campus cards, FC fan cards, transportation cards, access control systems 19

  20. -Card Products- “Global Aktif Card System” “City Card Product Family” Seyyah is a card system that enables people visiting Turkey to shop and withdraw cash through all ATM and POS network without the need of Mastercard, Visa, etc. • Widespread, chip based, contactless, high security payment products Aktif 00 & Plus 00 Prepaid Purchase Transportation Loyalty Points Installment Different uses of AKTIF 00 Seyyah Card is accepted by over 22.800 ATMs and 1.632.650 POS machines in Turkey. Allowance, Campus, Gift Corparate, Fan, Skipass,Food ... Plus Aktif 00 is designed by taking into account the lifestyles and needs of people

  21. Aktif Bank’s Corporate Banking Innovations

  22. I P4 NTEGRATED RECEIVABLES MANAGEMENT “B.A.Y.” END TO END COLLECTION MANAGEMENT • End-to-end receivables management service • No differentiation of receivables • Invoices, cheques, notes and bills are included in the collection scheme • Obtain financing by pledging receivables • Advisory Services • Initial assesment of agency and dealer network of the client • Reporting and notification by follow-up through the call centre • In case of default, legal follow-up of overdue payments • CLIENT ASSESTMENT FINANCING COLLECTION SERVICES • REPORTING CALL CENTER 22

  23. -ACT Office- Foreign investors have demonstrated more interest in Turkey, which has attracted greater attention from the global business with its consistent and rapid growth performance in recent years. Seeing this potential, Aktif Bank desingned the “Act Office” service concept in 2009 to provide the following services required by international financial institutions in Turkey and other countries in the region • ACT Services • Marketing and sale of products and services • Research activities • Loan supply, collateralization and legal consultancy • Credit evaluation • Operation and monitoring • Management and logistics 23

  24. Local and regional agent of ITFC and ICIEC Aktif Bank became the only agent in Turkey and in the region to offer foreign trade, structured finance, export loan and advertisement insurance products and services which are only provided by ITFC and ICIEC to their member countries 24

  25. -Aktif Bank Bond- • We initiated the formation of a commercial paper market in Turkey • Under this program, we issued the first bank bond in Turkey • All of our issuances have been fully subscribed • 1st tranche: 35 TL million (September 2009) • 2nd tranche: 65 TL million (September 2009) • 3rd tranche: 100 TL million (February 2010) • 4rd tranche: 400 TL million (April 2010) • 5th issuance of 700 TL million is in the market and 322 TL million have been subscribed. • With a maturity profile of 30 days to 360 days • Tax advantage over time deposits • Aktif Bond is quoted on Reuters and Bloomberg 25

  26. First direct bank of Turkey • Only bank to have online realtime integration with Post Offices • Founder of Money Transfer Programme which is commonly used in Turkey • The firstbank to issue a commercial paper program • The first bank to introduce “Liaison Office” concept in Turkey (“ACT Office”) • One of the few banks with dealer credit system • Market leader in contactless cards in Turkey • The first bank to develop “a-purse” which is a dual interface chip card application with transportation functionality • The first to have a transportation operator “E-Kent” • The firstto develop a transportation kiosk • One of the few banks in Turkey with an instant decision making credit system “Credit Factory” • One of the few banks with dealer credit system We are the bank of innovations 26

  27. F IGURES RAPID AND HIGH QUALITY GROWTH We have created new opportunities in 2009 with our pressing ahead infastructure investments. We also look forward to a bright 2010, with the introduction of innovative and unique products and services, while maintaining our position as Turkey’s most rapidly growing bank 27

  28. F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Asset Size Growth 1357% Thousand USD

  29. F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Total Assets Loans in TL thousands in TL thousands 66,293 111,679 251,680 578,047 993,841 NPL : %0,35 NPL : %0,57 NPL : %0,4 NPL : %0 NPL : %0 Total Liabilities and Equity Free Capital in TL thousands in TL thousands CAR: %14,5 66,293 111,679 251,680 578,047 993,841 CAR: %35,6 CAR: %21,3 CAR: %42,2 CAR: %61,4

  30. F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Number of Correspondents Number of Customers 563% 775% Foreign Trade Volume FX Limit 507% 350% Million USD Million USD

  31. F unds Borrowed USD MILLIONS The increase in our international borrowing shows the confidence provided to AKTIF BANK 186 48,3

  32. A KTIF ONLINE Aktif Online; • Turkish Postal Service (PTT) is a public institution which has the largest distribution network in Turkey . • Domestic and international mail • Parcel post, telegraph, fax, • Bill payment and collection services • Domestic and international money transfer services • PTT operates via approximately 4000 points, including 1,178 locations where there are no bank branches. • The first and the only online-realtime platform between bank networks and the PTT • Provides Aktif Bank with the widest physical distribution channel • Enables quick product and service deployment &

  33. THE FIRST BANK WITH TURKISH CAPITAL TO HAVE INVESTED IN KOSOVO BEFORE THE INDEPENDENCE OF KOSOVO WAS DECLARED. • Owned 100% by ÇalıkFinancial Services • Active in Corporate and Retail Banking with market share of • 14.5 % in deposits • 8.8 % in loans • Secondlargest bank amongst 15 banks as of 2009 • Total Assets USD 1.3 billion • Deposits USD 1.1 billion • 58 branches throughout Albania • 12 branches in Kosovo • Captures 80% of trade activity between Turkey and Albania • Selected the “Best Bank of the Year” and “Best Medium Size Bank inCEE” in 2008 by Finance Central Europe Magazine • Rated AAA by Japanese Credit Rating Agency (JCR) 34

  34. W ORKING TO ITS VISION OF BUILDING CITY TECHNOLOGIES E-KENT BECAME ACTIVE IN MORE CITIES AND ALSO GREW MORE EFFECTIVE IN THE SECTOR, WITH A WAWE OF NEW PRODUCTS AND SERVICES PUT INTO PRACTICE ONSITE. • Established in 2002 and since early 2008 E-Kent is a affiliate of Aktif Bank. it is Turkey's largest electronic fare collection operating company, and currently operatesservices in 8 cities of Turkey • Provides modern and high-technology solutions for city life • Operates contactless card payment systems in public transportation • Services citizens, municipalities and private bus companies with advancedtechnology solutions and consulting • Expert in widespread field operations • Acquisition of E-kent by Aktif Bank • Access to micro-payments market in transportation • Legitimization of cash receivables • Introduction of “city card” solutions • E-Kent is a member of the International Association of Public Transport (UITP). • E-Kent in figures; • 9 Million Population • 3 million pre-paid cards • 3,000 buses • 1,330 tollgates • 950 top-up points and ticket boots • More than 1 billion transactions per month • 2009 Revenues of TL 800 million 35

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