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VakıfBank, always with you

Moody’s (July 30, 2025)*

Long term FC Deposit	Ba3
Outlook on FC DR	Stable
Short Term FC Deposit	NP
Long term LC Deposit	Ba3
Outlook on LC DR	Stable
Short term LC Deposit	NP
Senior Unsecured Regular Bond/Debenture	B1
Senior Unsecured Medium-Term Note Program	(P) Ba3
BCA (Baseline Credit Assessment)	b2

Fitch Ratings (January 28, 2026)*

National Long Term Rating	AA (tur) (Stable)
Long Term FC IDR	BB- (Positive)
Long Term LC IDR	BB- (Positive)
Short Term FC	B
Short Term LC	B
Government Support Rating	bb-
Viability Rating	bb-

JCR Eurasia Credit Ratings (June 24, 2024)*

Long Term International Foreign Currency Issuer Credit Rating	BB (Stable)
Long Term International Local Currency Issuer Credit Rating	BB (Stable)
Long Term National Issuer Credit Rating	AAA (Stable)
Short Term National Issuer Credit Rating	J 1 +(tr) (Stable)

*Latest rating/outlook action dates.