2017 Year EndInvestor Presentation

Albaraka Türk Participation Bank23 February 2017

Appendix

5

Agenda

1 Turkey Macroeconomics

2 Banking Sector Performance

Market Comparison4

3Financial Review

Turkey Macroeconomics

Turkey Macroeconomic Developments

9,22%8,78%

7,46%6,57% 6,58%

7,64%8,79%

8,05%7,28% 7,16% 7,00%

8,53%9,58%

10,53%11,29%

11,87%

11,72% 10,90%9,79%

10,68%11,20%11,90%

12,98%11,92%10,35%

Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. Nov. Dec.

Inflation

2016 2017 2018

1

GDP Growth

GDP growth was 11.1% y-o-y in 3Q2017 and this higher-than-expected figure marked thestrongest growth seen in the last 6 years. While growth drivers were broad-based, apick up in domestic demand played a major role. Moreover, increases in export growthand construction investment also impacted economic growth positively while theongoing recovery in tourism also helped drive growth. Moving forward, the MTP targetfor 2017 year-end GDP growth is 5.5% y-o-y due to elevated expectations regarding thereceding of uncertainty which in turn should improve business and consumer sentiment,and in turn help provide some tailwinds for public consumption.

2,5%3,8% 4,0%

5,7%

4,5%5,3%

-1,3%

3,5%

5,3% 5,4%

11,1%

Q1 Q2 Q3 Q4

GDP Growth

2015 2016 2017

Inflation

Y-o-Y annual inflation increased from 8,53% to 11,92% on the back of growinginflationary pressures stemming from ongoing exchange rate depreciation and a rise incommodity prices. Food and Oil price related inflationary pressures continue to play astrong role in driving inflation figures while demand, stoked by the Credit GuaranteeFund, also played a critical role in pushing inflation higher. Inflation is expected to stayin the high single digits with the Central Bank expecting a year-end inflation of 9.8%.

Source: CBRT, Turkstat

Turkish Lira

The Turkish lira appreciated 7.4% versus the USD in the 2017 and depreciated by 23,4 %against the EURO; Lira appreciation has been supported by a defacto tight monetarystance of the central bank, stabilizing domestic political developments after the Aprilreferendum, and USD-related depreciation. The euro, on the other hand, found supporton the back of declining uncertainties about the future of the EU and overall strongeconomic growth in the EU. USD/TRY has been lingering near 3.80 level and EURO/TRYis also at 4.60 level at the end of December. 2,5

3

3,5

4

4,5

5

4.01

.…

15.0

2…

28.0

3…

9.05

.…

21.0

6…

5.08

.…

23.0

9…

4.11

.…

16.1

2…

27.0

1…

10.0

3…

21.0

4…

6.06

.…

20.0

7…

31/0

8…

12/1

0…

23/1

1…

04/0

1…

15/0

2…

FX Rates

USD/TRY

EUR/TRY

Turkey Macroeconomic Developments

2

Central Bank Monetary Policy

The Central Bank maintains its tight monetary policy stance and continues to keep itsmain policy rate window, the weekly repo shut. The O/N lending window and theO/N borrowing window have remained as is since 1Q2017. The Late liquidity windowrate was increased from 11.75% to 12.75% (+100bps) in 2017. The rate hike decisionsof the CB has been linked to the deteriorating Lira movement in addition to theworsening core inflation outlook.

Rates (%) Q1’17 Q2’17 Q3’17 Q4’17

Overnight borrowing rate 7.25 7.25 7.25 7.25

One-week repo (policy) rate 8.00 8.00 8.00 8.00

Overnight lending rate 9.25 9.25 9.25 9.25

Late liquidity window rate 11.75 12.25 12.25 12.75

Foreign Trade and Current Account Balance

In 2017, exports increased by 10,2% to 157,1 billion USD and imports surged by 17,7% to233,8 billion USD compared to 2016, which resulted in the foreign trade deficitexpanding by 36.8% y-o-y to USD 76.7 bio in 2017. Strong global demand, largelyattributable to the recovery in economic activity in European countries, had supportedour export performance in 2017. On the import side, the sharp increase in oil prices,the increase in gold imports, and increasing domestic economic activity led to a steepsurge in imports.

The Current account deficit posted a rapid increase by 42,1% in 2017 compared toprevious year and was realized as 47,1 billion USD. High energy prices and a sharp risein net gold imports in 2017 stoked upward pressure on the current account deficit. Onthe other hand, the recovery in economic activity in the European Union countries,which is Turkey’s largest export market, supported exports. Moreover, a rise in tourismrevenues provided some cushion for the widening in the current account deficit.

-13,9-12,6

-18,3

-23,0 -22,8

-8,1

-8,0

-12,9

-10,3

-15,9

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Foreign Trade Balance Current Account Balance

Balances – Quarterly (billionUSD)

Budget Balance

In 2017, budget indicators performed better than the Medium Term Plan (MTP) targetsannounced in October. Budget revenues exceeded MTP target by 18.3 billion TRYwhereas budget deficit which came in 47.4 billion TRY in 2017 was 14.3 billion TRYbelow the MTP’s year-end forecast.

According to 2017 year-end targets, fiscal discipline was maintained despite the recentexpansionary fiscal policies in 2017. Budget deficit to GDP ratio projections wererevised downwards after the announcement of December figures. Finance Minister NaciAğbal stated that they expected this respective ratio, which is expected to be 2% underthe MTP projections, to be 1.5%. The ratio was 1.1% in 2016.

Budget Balance (billion TRY)

Source: CBRT, Turkstat, Ministry of Finance

-14,9-10,2

-6,4

-15,8

Q1'17 Q2'17 Q3'17 Q4'17

May

Banking Sector Performance

Banking Sector vs Participation Banking Sector

� In 2017 the Total Revenues of the banking sector rose 25,7% compared to 2016.

� Loan growth rate reached 20,9% while NPL amount increased by 6,0%.

� Loan growth is stronger than in previous years owing to expansionary fiscal policies in place and macroprudentialpolicies supportive of the financial system (ex: Credit Guarantee Fund). Commercial loan growth continued to grow at a higher rate than consumer loans.

� Net Profit increased by 30,9%

Banking Sector highlights

� The sector continued to grow in asset and profitability terms during 2017. Participation banking rose 20,5% Ytd. asset growth

� Capital Adequacy figures continued to increase, from16.17% to 16,98%

� Remarkable net profit increase, 43,1 % yoy

� Number of total branches increased to 1032 at the end of 2017

Participation Banking highlights

Key Financial Indicators

(mn TRL)

Year End

2016

Year End

2017Y-Y (%)

Total Assets 2.730.942 3.257.819 19,3%

Loans* 1.804.711 2.182.096 20,9%

Deposits 1.547.551 1.804.766 16,6%

Shareholder’s Equity 300.172 359.091 16,3%

Total revenues 241.270 303.160 25,7%

Net profits 37.532 49.122 30,9%

Key Financial Indicators

(mn TRL)

Year End

2016

Year End

2017Y-Y (%)

Total Assets 132.874 160.136 20,5%

Loans* 88.483 111.071 25,5%

Deposits 84.785 107.311 26,6%

Shareholder’s Equity 11.494 13.645 18,7%

Total revenues 10.417 12.901 23,8%

Net profits 1.106 1.583 43,1%

*Financial leasing receivables included.

3

Appendix

5

Agenda

1 Turkey Macroeconomics

2 Banking Sector Performance

Market Comparison4

3Financial Review

Financial Review

6

Albaraka Turk – 2017 Main Highlights (Balance Sheet)

TRL million Q4’15 Q4’16 Q4’17 Y-Y (%)

Total Assets 29.512 32.851 36.229 10,28

Total Funded Credits 19.505 22.722 25.193 10,87

Deposits 20.346 23.155 25.310 9,31

Shareholder’s Equity 2.104 2.279 2.482 8,91

32.851 33.02134.231 33.827

36.229

22.722 22.892 22.876 23.71125.193

23.155 23.66823.771 24.109

25.310

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Total Assets Total Funded Credits Total Collected Funds

Funded Credits; 69,1%

Securities Portfolio;

7,9%

Liquid Assets; 20,0

Other Assets; 3,0%

Asset Segmentation (2017)

4

*Liquid Assets includes Cash and Balances with the Central Bank, Financial Assets at

Fair Value Through Profit and Loss(net) and Banks

6Albaraka Turk - 2017 Main Highlights (Income Statement)

TRL million Q4’15 Q4’16 Q4’17 Y-Y (%)

Profit Share Income 1.935 2,219 2.659 19,8

Net Profit Share Income 886 1.024 1.268 23,8

Total Operating Profits 1.188 1.372 1.584 15,5

Net Operating Profits 377 264 289 9,5

Tax Provision 74 46 52 13,0

Spesific Provisions for NPL 281 579 699 20,7

Net Profit 303 218 237 8,9

8861.024

1.268

2015 2016 2017

Net Profit Share Income

303

218237

2015 2016 2017

Net Profit

4,144,17

4,32

4,22

4,47

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Net Profit Share Margin*

* Trailing for last four quarters

5

7Albaraka Turk - Asset Composition

Composition of Total Assets (TRL mn) Liquid Assets (TRL mn)

6

*Liquid Assets includes Cash and Balances with the Central Bank, Financial

Assets at Fair Value Through Profit and Loss(net) and Banks

Total Securities Portfolio (TRL mn) Securities Yield (%)

9,81

9,29,25

8,83

8,39

Q4'17Q3'17Q2'17Q1'17Q4'16

(*) Profit share income received from securities for the last 4Q/4Q average securities

Funded Credits; 69,5%

Securities Portfolio;

7,9%

Liquid Assets*; 20,1%

Other Assets; 2,5%

8.616 8.590 9.734 8.784 9.612

26,23% 26,01%28,44%

25,97% 26,53%

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Liquid Assets % of Total Assets

*Liquid Assets includes Cash and Balances with the Central Bank, Financial

Assets at Fair Value Through Profit and Loss(net) and Banks and

Availabe for sale

1.383 1.428 1.6491.330 1.349

669 612625

509 533

556

977

988 993

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Available for sale Held to Maturity Other Marketable Securities

3.251

2.052

2.5962.8752.827

22.722 22.892 22.876 23.71125.193

6.474 6.306 6514 6.681 6.665

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

TRL USD*

10,25

9,82

9,91

9,73

9,82

Q4'17Q3'17Q2'17Q1'17Q4'16

*USD equivalent of total funded credits

Total Funded Credits (including financial leasing, million)

QoQ Growth: 6,3% in TRL terms YoY growth: 10,9% in TRL terms

Credit Yields(1) (%)

(1) Profit share income received from credits for the last 4Q/4Q average credits

Albaraka Turk - Funded Credits Portfolio

Q4’16 Q1’17 Q2’17 Q3’17 Q4’17

Corporate Credits 41,9 41,6 40,8 40,4 40,3

SME Credits 43,9 43,6 44,6 45,4 46,2

Retail Credits 14,2 14,8 14,6 14,2 13,5

Total 100.0 100.0 100.0 100.0 100.0

TRL52,2%

USD*32,7%

EUR*15,1%

Composition of Total Funded Credits* (%) Currency Composition of Total Funded Credits* (Q4’17)

*Including USD & EUR indexed credits*According to BRSA definition

7

52,3 51,954,6 55,3 57,7

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

4,75

5,616,02

5,364,68

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

1.106

13231425

13091213

578687

778725 699

1.106

1323 1342 13181213

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

NPA Spesific Provisions Collateral

Non-performing Loans (TRL million)

147

172189 193 187

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Cost of Risk** (bps)

NPL Ratio*

** Spesific provisions for credits for last 4Q/ 4Q average credits

*Including financial leasing & accruals and rediscounts

Provisioning Ratio (%)

Albaraka Turk - Asset Quality

8

22% 20% 22% 21% 23%

18% 19% 19% 20% 18%

60% 61% 59% 59% 59%

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Fund Borrowed* Current Accounts Participation accounts

Composition of Total Liabilities (Q4’17, %) Composition of Funding Base (TRL million)

70

18

75

Funds Collected

Wholesale Funding

Shareholders' Equity

Others

30.506

10,5%

32.69529.583 29.548

Albaraka Turk - Funding Profile

9

*Fund Borrowed includes Funds Borrowed , Borrowings from Money Market

and Subordinated Loans

30.448

23.155 23.668 23.771 24.10925.310

6.597 6.520 6768 6793 6696

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

TRL USD*

Total Funds Collected (TRL million)

Cost of Funds Collected**

*USD equivalent of total collected funds

**Profit share expense to depositors for the last 4Q/4Q average participation accounts

Currency Composition of Funds Collected (Q4’17, %)

Maturity Composition of Funds Collected (Q4’17, %)

28

22

42

3 1 4 Current Acc.

Up to 1 month

Up to 3 months

Up to 6 months

Up to 1 year

>1year

9,3%

Albaraka Turk - Funding Profile (Collected Funds)

10

5,57%5,30%5,24%5,21%5,26%

8,63%8,19%8,00%

7,90%8,10%

1,85%1,78%1,76%

1,69%1,61%

1,10%0,93%

0,95%0,98%1,08%

Q4'17Q3'17Q2'17Q1'17Q4'16

Average TL FC Precious Metal

52

29

15

4

TRL USD EUR Others

Off Balance Sheet Composition (%) LGs*-to-Total Assets

23,8%23,0%

20,8%19,7% 19,4%

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Off Balance Sheet (TRL million)

*Revocable credit limits not included.

Albaraka Turk - Off balance sheet growth

11

*Below 20% of LGs to Total Risk is targeted

71 72 70 62 61

7 7 88 9

22 21 23 30 30

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

LG LC Others

Q4’16 Q1’17 Q2’17 Q3’17 Q4’17

Growth (%)

Y-Y

Letter of Guarantee 7.810 7.593 7.129 6.657 7.024 -10,06

Letter of Credit 753 714 803 860 1031 36,91

Others* 2.389 2.168 2.303 3.159 3.390 41,90

Total: 10.951 10.476 10.235 10.676 11.445 4,51

6Albaraka Turk - Operating Performance Breakdown

Income (million TRL)

1.935 2.219 2.659

-1.049 -1.195 -1.391

Profit Share Expense

Profit Share Income

Net Profit Share Income (million TRL)

Key Movements in Income (million TRL)

Yield Movement (%)

86,50% 86,42%89,38%

13,50% 13,58%10,62%

2015 2016 2017

Fees, commission and others Profit Share Income

297525672237

2015 2016 2017

8861024

1268

12

2016 Profit ShareIncome

Fees &Comm

TradingIncome

Others 2017

25672975

-350

+3+440

9,82% 9,73% 9,91% 9,82%10,25%

4,14% 4,17% 4,32% 4,22% 4,47%

5,26% 5,21% 5,24% 5,30% 5,57%

Q4'16 Q1'17 Q2'17 Q3'17 Q4'17

Credit Yield

Net Profit Share margin

Cost of Collected Funds

� Total Profit Share Income up 20%� Profit Share Expense increased 16%� Net Profit Share Income increased 24%� Net Operating Income increased 10%� Provisions increased 24%� Net Profits increased 9%

Highlights

14Income- Cost Dynamics

13

(000 TRL)

Year on Year Change Quarterly Change Notes

2016 2017 % Q4’16 Q4’17 %

Net Profit Share Income

1.023.618 1.267.799 23,85 266.568 365.914 37,27

Profit share expense increased by 16,4% while PSI raised by 19,8% YoY basis. Joint venture projects returns reached to TL 233.165 in 2017 (2016: TL 63.818)

Net FeeIncome

145.935 148.457 1,73 40.744 39.272 -3,61 Credit Guarantee Fund Commisions, LG risk decline

Net TradingIncome

45.139 45.363 0,50 -6.611 19.418 394,72 Increasing swap costs

Other Income 157.511 122.146 -22,45 75.391 36.831 -51,15Reversal of prior year provisions is lower than2016. Change in Accounting System (netting of some income and expense items)

Provisioning 372.157 460.758 23,81 145.033 101.939 -29,71 Higher provisions in 2017

Other Costs 736.126 834.207 13,32 188.790 245.931 30,27YoY increase in OPEX İn line with CPI, New branchOpenings

Tax 46.311 51.707 11,65 3.527 17.590 398,72 -

Net Profits 217.609 237.093 8,95 38.742 95.976 147,73 -

Appendix

5

Agenda

1 Turkey Macroeconomics

2 Banking Sector Performance

Market Comparison4

3Financial Review

Percent 2016 2017

AlbarakaTürk

ParticipationBanks*

BankingSector*

AlbarakaTürk

ParticipationBanks*

BankingSector*

Asset Size 11,1 10,5 15,8 10,3 20,5 19,3

Total Credits** 16,5 7,2 17,1 10,9 25,4 20,7

Collected Funds*** 13,8 12,1 16,8 9,3 26,6 16,6

* According to BRSA data

** Including Leasing Receivables, Interest (Profit Share) and Income Accruals and Rediscounts from Loans, Loans Extended to Banks

*** Including Deposit (Participation Funds) Interest (Profit Share) Rediscounts and Deposit (Participation Funds) Collected from Banks

21%

13%

26%

15%

18%

16%

19,30%

24,4%

17,8%

39,7%

33,9%

28,3%

11,1% 10,3%

2011 2012 2013 2014 2015 2016 2017

Asset Size GrowthBanking Sector

Albaraka Türk

Albaraka Turk - Balance Sheet Year-End Comparison %

14

Percent 2016 2017

AlbarakaTürk/

ParticipationBanks

AlbarakaTürk/ Banking

Sector

ParticipationBanks/ Banking

Sector

AlbarakaTürk/

ParticipationBanks

AlbarakaTürk/ Banking

Sector

ParticipationBanks/ Banking

Sector

Asset Size 24,7 1,2 4,9 22,6 1,1 4,9

Total Credits* 25,7 1,3 4,9 22,2 1,1 5,1

Deposits/Collected Funds** 27,3 1,5 5,5 23,6 1,4 5,9

* Including Leasing Receivables, Interest (Profit Share) and Income Accruals and Rediscounts from Loans, Loans Extended to Banks

** Including Deposit (Participation Funds) Interest (Profit Share) Rediscounts and Deposit (Participation Funds) Collected from Banks

22,6%4,9%

Banking Sector Participation Banking Sector

Albaraka Turk - Market Share 2017 1H

15

Percent 2016 2017

Albaraka Türk Participation

BanksBanking Sector Albaraka Türk

ParticipationBanks

BankingSector

CAR 13,46 16,17 15,57 17,07 16,98 16,87

NPL Ratio 4,75 3,58 3,22 4,68 3,22 2,95

Provisioning Ratio 52,31 61,00 77,39 57,68 70,75 79,38

Loan/Deposits 98,13 110,61 117,23 96,72 102,53 117,96

ROAA (IBT) 0,88 1,10 1,89 0,73 0,76 1,52

ROAE (NI) 9,91 9,71 13,26 8,51 11,88 14,56

Asset Yield 8,97 8,87 8,37 8,95 8,03 7,13

Asset Spread 4,53 4,45 3,39 5,12 4,11 3,01

Net Profit Share Margin 4,14 4,54 4,01 4,17 4,19 3,52

Net Fee Income / Avg. Assets 1,18 0,80 0,96 1,04 0,86 0,90

Op Costs / Avg. Assets 2,47 2,33 2,34 2,38 2,34 2,06

Cost/Income* 53,65 46,37 40,68 49,30 44,00 35,86

Credits / Branches (000‘TRL) 106.676 92.074 153.632 107.474 94.017 162.385

Staff / Branches 17,82 15,04 17,70 17,86 14,97 18,00

CA / Deposits 23,44 28,35 20,33 23,58 28,15 20,94*Cost: Operating Costs, Income: NII/NPSI, Net Fees and Commissions Income, Other Income

Financial Ratios - Sector Comparison

16

Appendix

5

Agenda

1 Turkey Macroeconomics

2 Banking Sector Performance

Market Comparison4

3Financial Review

(Thousand TRL) Dec’16 Dec‘17 Growth (%)

Cash and Banks 7.157.229 7.268.402 -1,55%

Financial Assets 1.448.786 2.343.384 61,75%

Funded Credits 22.722.054 25.193.463 10,88%

Cash Credits 21.843.075 24.456.382 11,96%

NPL 1.105.954 1.212.610 9,64%

Provisions 578.505 699.437 20,90%

Net Financial Leasing Receivables 878.979 737.081 -16,14%

Investments Held to Maturity (Net) 668.582 532.803 -20,31%

Associates 30.119 30.119 0,00%

Fixed Assets 517.131 618.141 11,86%

Assets Held For Sale and Investment 92.317 84.230 -8,76%

Other Assets (inc. Tax Assets) 214.520 158.535 -11,46%

Total Assets 32.850.738 36.229.077 10,28%

Funds Collected 23.155.164 25.309.840 9,32%

Funds Borrowed 4.424.195 5.411.969 22,33%

Debts 1.247.030 1.133.779 -9,08%

Provisions (inc. Taxes) 233.849 264.820 13,24%

Tier II Sukuk 1.510.937 1.627.163 7,69%

Shareholders’ Equity 2.279.593 2.481.506 8,86%

Capital 900.000 900.000 0,00%

Capital Reserves (inc. Premium) 211.876 238.121 12,39%

Profit Reserves 946.757 1.113.454 17,61%

Profits 221.560 242.622 9,51%

Prior Periods 3,951 5.529 39,94

Current Year 217,609 237.093 8,95

Total Liabilities 32.850.738 36.229.077 10,28%

Albaraka Turk- Summary Balance Sheet

17

(Thousand TRL) Dec’16 Dec’17 Growth (%)

Profit Share Income 2.218.804 2.658.587 19,82%

Profit Share Expense 1.195.186 1.390.788 16,37%

Net Profit Share Income 1.023.618 1.267.799 23,85%

Net Fees and Commissions Income 145.935 148.457 1,73%

Fees and Commissions Received 208.127 216.704 4,12%

Fees and Commissions Paid 62.192 68.247 9,74%

Net Trading Income 45.139 45.363 0,50%

Other Operating Income 157.511 122.146 -22,45%

Total Operating Profit 1.372.203 1.583.765 15,42%

Provisions for Loan Losses 372.157 460.758 23,81%

Other Operating Expenses 736.126 834.207 13,32%

Net Operating Profit 263.920 288.800 9,43%

Tax Provision 46.311 51.707 11,65%

Net Profits 217.609 237.093 8,95%

Albaraka Turk – Summary Income Statement

18

THANK YOU

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