Agenda What does “Islamic banking” stand for?

Financial overview - profit and loss (IFRS1)

• Operating income (TRLm)

• Net income (TRLm)

• (1) Income includes foreign exchange gains / loss

• CAGR: 47.8%

• CAGR: 71.4%

Kuveyt Turk overview

• Cash loans by segment – 2008 (%)

• International & Investment Banking

• Project finance
• Corporate finance
• Capital markets
• Syndicated Murabaha

• First international Murabaha syndication of US$200m raised for Kuveyt Turk in 2006
• Operating in 96 countries with more than 1,000 correspondent banks

• Retail

• Deposits (current / participation acc’s)
• Loans
• Card business
• Moneygram

• 800,000 retail customers
• 59,000 retail SME customers

• Total: TRL 4.0 bn

• Corporate

• Murabaha / Istisna’as
• Financial leasing
• Letters of Guarantee
• Foreign trade finance (Letters of Credit)
• Foreign trade services

• 39,000 corporate customers
• 13,000 active credit customers

• Products

• Highlights

• Breakdown of total cash loans

• 120 branches: 119 in branches in Turkey, 1 in Bahrain and 1 Financial Services Branch in Germany

• Distribution