June, 2011 1. 2 PROFILESHAREHOLDERSPRODUCTS AND SERVICESFINANCIALSRANKING, INFO ABOUT ISLAMIC BANKINGCONTACT DETAILS.

June, 2011

1

2

•PROFILE

•SHAREHOLDERS

•PRODUCTS AND SERVICES

•FINANCIALS

•RANKING, INFO ABOUT ISLAMIC BANKING

•CONTACT DETAILS

BEFORE MERGER AFTER MERGER SALES PROTOCOL

WITH

TFKB PROFILE

CURRENT STATUS

Family Finans operated with special finance house status with interest free banking principles between 1985 – 2005 owned by Ulker Group.

Anadolu Finans operated with special finance house status with interest free banking principles between 1991-2005 owned by Boydak Holding.

Family Finans and Anadolu Finans merged under the name of Turkiye Finans after the approval of BRSA dd.28.12.2005.

Special Finance House gained the status of Participation Bank in 2005.

In 2008, as a part of NCB’s international expansion strategy, 64.68% share of Turkiye Finans was acquired by NCB whereas Ulker Group and Boydak Holding remained as strategic partners with 13.76% and 21.56% shares respectively.

TFKB with NCB partnership will continue its growth performance and prove to be more competitive in both national and international markests in the forthcoming period.

183 branches and 6 regional branches all over Turkey.

More than 500.000 individual and 20.000 corporate customers.

360.356 credit cards and 3404 employees.

3

SHAREHOLDERS

The National Commercial Bank is the most prominent of Saudi banks and was the first bank established in Saudi Arabia (1953).

The Bank operated 280 branches throughout the Kingdom, dedicated exclusively to Islamic Banking services.

They have an OBU in Bahrain a branch in Beirut, a rep. office in each London, Singapore and Seoul. They are aiming to open a rep. office in China and to take over a bank in Egypt.

The credit rating of the bank has increased to A by Fitch Agency and A+ by Standard and Poors. NCB is the largest Bank in terms of capital in the Arab world. The Bank’s paid-up capital at year-end of 2009 is US$ 4,000 million.

Total assets at year-end 2009 totaled US$ 68,654 million.

Net profit for fiscal year 2009 totaled US$ 1,077 million.

Shareholders’ equity at year-end 2009 totaled US$ 7,806 million.

Founded in 1959 USD 3.4 billion turnover in

2008 USD 363 million export

volume More than 11.000 employees 22 Companies Leader of Furniture, Home

Textile, Cable Sectors Factories are located in

Turkey (Kayseri and Bursa,) .

Founded in 1944 10,9 billion USD turnover in

2008, 1,3 billion USD exports and

international operations’ revenue.

Employing around 29,500 employees at 68 companies and 53 factories, 10 of which are in abroad.

13 companies of Ülker Group are enlisted among top 500 industrial firms in Turkey.

Market leader in many sub-segments of food and beverage industries and operating in packaging, IT, real estate sectors.

4

Mr. Mustafa BOYDAK

Chairman

Mr. Abdulkareem Abu ALNASR

Vice Chairman

Mr. Donald Paul HILL

Board Member/ Head of Executive Committee

Mr. Mehmet Atila KURAMA

Board Member

Mr. Brian Keith BELCHER

Board Member

Mr. Varol ŞENEL

Board Member

Mr. V.Derya GURERK

Board Member/ Chief Executive Officer

BOARD OF DIRECTORS

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64.68%

21.56%

13.76%

SHAREHOLDERS STRUCTURE

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PRODUCTS AND SERVICES

CORPORATE BANKING

RETAIL BANKING

BRANCHLESS BANKING

INTERNATIONAL BANKING

Personal Financing Credit Cards POS Invoice Payments Securities

SME Sectoral Packages and SME Financing

FX Guarantee Support Leasing Profit/ Loss

Participation Franchising and

Agricultural Loans Letter of Credits and

Guarantees

Correspondent Banking

Exports/ Imports Customer Transfers Check Collection ECA/SEP/GSM/ITFC

Credits Syndications Project Financing Consulting Services Treasury Transactions

Internet Banking Mobile Banking ATM Banking SMS Banking E-Reminder Service Telephone Banking

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TRANSFORMATION PROJECT

CUSTOMER FOCUSED

SERVICING

OPTIMIZATION OF ALTERNATIVE

CHANNELS

ACTIVIZATION OF BRANCH

NETWORK

RE-DEFINITION OF JOB FAMILIES

ESCALATION OF TREASURY

INSTRUMENTS

EMPHASIS ON RISK MANAGEMENT AND

COMPLIANCE

2010

8

TFKB FIGURES

LAST 5 YEARS BY GRAPHICS

9

2007 2008 2009 2010 2011-II0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

5,5777,104

8,6799,953

12,315

ASSETS

ASSETS X 1.000.000 TL

2007 2008 2009 2010 2011-II0

50

100

150

200

250

147 160

199 205

91

NET PROFIT

NET PROFIT X 1.000.000 TL

2007 2008 2009 2010 2011-II0

300

600

900

1,200

1,500

1,800

591

1,0011,169

1,340 1,481

SHAREHOLDERS' EQUITY

SHARE-HOLDERS' EQUITY X 1.000.000 TL

2007 2008 2009 2010 2011-II0

2,000

4,000

6,000

8,000

10,000

4,3065,312

6,894

8,397 8,885

DEPOSITS

DEPOSITS X 1.000.000 TL

TFKB FIGURES

LAST 5 YEARS BY GRAPHICS

10

2007 2008 2009 2010 2011-II0

2,000

4,000

6,000

8,000

10,000

12,000

7,1278,120 8,255

10,680

6,588

FOREIGN TRADE VOLUME

FOREIGN TRADE VOLUME X USD 1.000.000

2007 2008 2009 2010 2011-II0

5

10

15

20

14.5816.84 17.21 17.08

15.03

CAPITAL ADEQUACY RATIO

CAPITAL ADEQUACY RATIO %

2007 2008 2009 2010 2011-II0

2,000

4,000

6,000

8,000

10,000

12,000

4,6655,498

7,1657,975

9,434

FUNDING

FUNDING X 1.000.000 TL

2007 2008 2009 2010 2011-II0

1

2

3

4

5

2.3

3.3

4.1

3.0 2.6

NPL

NPL %

FOREIGN TRADE VOLUMES FOR LAST 5 YEARS

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2007 2008 2009 2010 2011-II0

50

100

150

200

250

300

212

258 261 251

193

CONFIRMED L/Cs

CONFIRMED L/Cs X USD 1,000,000

2007 2008 2009 2010 2011-II0

100

200

300

400

500

600

297.6 307.7 340.4

459.2

272.5

UNCONFIRMED L/Cs

UNCONFIRMED L/CsX USD 1.000.000

2007 2008 2009 2010 2011-II0

20

40

60

80

100

120

140

59.3

108.8 117.2

90.9

42.4

COUNTER GUARANTEE L/Gs

COUNTER GUARANTEE L/GsX USD 1.000.000

2007 2008 2009 2010 2011-II0

15

30

45

60

75

90

25.9 28.936.3

66.156.6

DIRECT L/Gs

DIRECT L/GsX USD 1.000.000

RANKING* AMONG PRIVATE BANKS IN TURKEY

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IS B

ANKASI

GARANTI B

ANKASI

AKBANK

YAPI VE K

REDI BANKASI

FINANSBANK

DENIZBANK

TEB

ING

BANK

HSBC AS

ASYA KATIL

IM B

ANKASI

SEKERBANK

TURKIYE F

INANS **

KUVEYT TURK

ALBARAKA

TSKB

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000

110,000

Asset Size in mio USD

GARANTI B

ANKASI

IS B

ANKASI

AKBANK

YAPI VE K

REDI BANKASI

FINANSBANK

DENIZBANK

TEB

HSBC AS

TSKB

ASYA KATIL

IM B

ANKASI

TURKIYE F

INANS***

KUVEYT TURK

SEKERBANK

ALBARAKA

ING

BANK

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000

1,800,000

2,000,000

2,200,000

2,400,000

Profitability in mio USD

* As of December 2010** TFKB ranks 12th by assets*** TFKB ranks 11th by profitability

TFKB BY NUMBERS

183 Branches all over Turkey

More than 500.000 Deposit / Individual Customers

More than 20.000 Corporate Customers

360.356 Credit Cards in Circulation

3.404 Employees

13

Mardin

Kastamonu

Giresun

OUR BRANCHES

İSTANBUL : 72 Branches + İstanbul Anadolu and Avrupa Regional Branches

ANKARA : 15 Branches+Ankara Regioal Branch

İZMİR : 5 Branches + İzmir Regional Branch

ADANA : 4 Branches + Adana Regional Branch

KAYSERİ : 20 Branches + Kayseri Regional Branch

THROUGHOUT TURKEY: 183 Branches

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AWARDS

“2008 BEST ISLAMIC BANK IN TURKEY”

BY GLOBAL FINANCE MAGAZINE

“2007 BEST ISLAMIC BANK AND THE SERVICE PROVIDING INSTITUTION” BY ISLAMIC FINANCE NEWS MAGAZINE

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“2009 BEST ISLAMIC BANK IN TURKEY” BY ISLAMIC FINANCE NEWS MAGAZINE”

“2010 BEST ISLAMIC FINANCE BANK IN TURKEY” BY GLOBAL FINANCE NEWS MAGAZINE”

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Governing principles are based on the strict refrainment from interest, speculation, goods and services contradicting Islamic values.

Islamic Banking promotes risk sharing between provider of capital (investor) and the user of funds (entrepreneur).

It also aims at maximizing profit but subject to Islamic sharia principles.

Participation in partnership business is the fundamental function of the Islamic banks. So they have to understand their customer's business very well.

The status of Islamic bank in relation to its clients is that of partners, investors and trader, buyer and seller.

The Islamic banks have no provision to charge any extra money from the defaulters. Only small amount of compensation and these proceeds is given to charity.

Since it shares profit and loss, the Islamic banks pay greater attention to developing project appraisal and evaluations.

It gives due importance to the public interest. Its ultimate aim is to ensure growth with equity.

Fund collection is a profit-loss sharing based mudarabah concept, clients may have to share in a loss position.

Funds are being collected through mudaraba and placed mainly through murabaha. The existence of a trade transaction is essential. Functioning of Islamic Banking requires to be an integral part of the real sector.

INFO ABOUT ISLAMIC BANKING

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•Participation accounts can be considered as a version of a Mudaraba.•Bank utilises the funds deposited by account holders, which are accumulated in a pool for specific business activities.

•Any profits earned are shared between the account holder and the bank, in proportion to an agreed ratio.

. Bank provides finance by purchasing the desired commodity from a third party and reselling it to the purchaser at a predetermined higher price (mark-up) payable in instalments.

•Under commodity Murabaha, subject goods are commodities traded at the exchange and there is no purchase of goods that could be subject to a financing.

•Asset remains in the ownership of the bank until the facility is paid in full.

. Relationship established under a contract by the mutual consent of the parties for sharing of profits and losses in the joint business.

•The Islamic bank provides funds, which are mixed with the funds of the business enterprise and others.•All providers of capital are entitled to participate in management, but not necessarily required to do so.•The profit is distributed among the partners in pre-agreed ratios, while the loss is borne by each partner strictly in proportion to respective capital contributions.

.The Islamic equivalent of a bond and the generally applied structure involves transfer of fixed assets by the borrower to the financier for on lease to the borrower.

.Sukuks represent proportionate beneficial ownership. For a defined period the risk and returns associated with the cash flows generated from the assets belong to the sukuk holder. The characteristics of a sukuk are similar to a conventional bond with the difference that they are asset backed.

Mudaraba

Murabaha

Musharakah

Sukuk

ISLAMIC BANKING DEFINITIONS

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INTERNATIONAL FINANCIAL INSTITUTIONS CONTACT DETAILS

Mr. M.Fatih BULAÇHead of Financial Institutions

Phone:+90 212 393 10 90E-mail:

[email protected]

Correspondent Banking

Ms. Ayla AKMAN Senior Area Manager

Phone:+90 212 393 1093 ayla.akman@turkiyefinans.

com.trMrs. Ozgen AKYOL

Area ManagerPhone: +90 212 393 1091ozgen.akyol@

turkiyefinans.com.tr

Mr. Ahmet

CORUMLUGILArea

ManagerPhone: +90 212 393 1077ahmet.

corumlugil

@turkiyefinans.com.tr

Mrs. Zeynep SAGDICSenior Area Manager

Phone:+90 212 393 1096zeynep.sagdic@

turkiyefinans.com.tr

Investment Banking

Mrs. Yesim CETIN

Senior Area Manager

Phone:+90 212 393 1095yesim.cetin@turkiyefinans

.com.tr

Mr. Erhan DEMIRTASSenior Area

ManagerPhone: +90

212 393 1094erhan.

demirtas@turkiyefinans

.com.tr

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