Geleceğe Dönük Değerlendirmeler

As per the Article 10 of the "Communiqué on Material Events Disclosure" (II-15.1) of Capital Markets Board, T. Garanti Bankası A.Ş. has announced it's forward looking statements regarding the expectations for the year 2025 on January 29, 2025. On October 30, 2025, taking into account macroeconomic developments and the CBRT's tight monetary stance, the Bank revised the expectations for some P&L items. Although the expectation for expansion in the net interest margin was revised downward, the initial target for average return on equity has been maintained on the back of better-than-expected net cost of risk and strong commission income growth.

 The table containing the related revisions was published on the Public Disclosure Platform and and Garanti BBVA Investor Relations' website at www.garantibbvainvestorrelations.com in Operating Plan Guidance Presentations section. 

*In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.