Our Performance Indicators by Capital Elements

20242025Asset Growth43.80%33.99%Loan Growth34.02%45.58%Commercial Loan Growth32.00%46.02%Retail Loans Growth42.78%43.83%Deposit Growth29.36%35.91%Net Fee-Commission Income Growth80.51%56.42%Non-Performing Loan Ratio1.79%2.90%Total Wholesale Funding/Total Liabilities14.24%16.78%Capital Adequacy Ratio16.11%16.71%Other Operating Expense/Total Revenues40.23%40.11%20242025Total Number of Employees18,209 √19,147 √Newly-Recruited Employees2,3841,428Employee Turnover Rate3.03 √2.36 √Ratio of Female Employees51.82% √52.04% √Average Year of Seniority9.61 √10.02 √Average Training Hours per Employee45.90 √39.49 √Share of Online Training in Total Training Hours48.83% √50.54% √Employees Receiving Performance Assessment16,23716,99620242025Number of Branches963980Number of ATMs4,1004,165Number of ATMs for Barrier-free Life4,1004,165Share of Transactions from ADCs97.59%97.91%20242025Number of Mobile Banking Customers12,809,70614,315,503Customers Acquired Remotely178,301247,859Share of Digital Channels in Total Transactions89.01%90.88%Number of ATM Transactions201,823,256185,161,622Number of Cardless ATM Transactions44,576,94035,817,689Number of ATM Transactions Performed with QR Code21,745,80324,766,08920242025Total Number of Customers29.6 million31.1 millionRate of Resolved Complaints93.53%95.22%Number of Events8169Number of Mechatronics, Mind Games, and Artificial Intelligence Workshops8080Awards Received in Year343020242025Consumed Paper Quantity1,582 Tons1,565 TonsTotal Number of ISO 14001 Certified LocationsAll Bank LocationsAll Bank LocationsNumber of Renewable Energy Projects Financed30 √27 √Scope 1+2 Emissions13,122 √13,148 √Financial CapitalManufactured CapitalIntellectual CapitalHuman CapitalSocial and Relational CapitalNatural Capital

√ It has been subjected to limited assurance by the Independent Audit Firm.

GRI 2-22, 2-29, 3-1