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New Generation Banking

New Generation Banking. August 2010. We are an Affiliate of a Reputable Global Conglomerate. 1. Çalık Holding - Overview. The leading investor in Turkey , Balkans and the CIS One of Turkey’s most up and coming Groups with more than 19,000 employees in 12 countries in 4 continents

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New Generation Banking

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  1. New Generation Banking August 2010

  2. We are an Affiliate of a Reputable Global Conglomerate 1

  3. Çalık Holding - Overview • The leading investor in Turkey, Balkans and theCIS • One of Turkey’s most up and coming Groups with more than 19,000 employees in 12 countries in 4 continents • 2008 Assets of USD 4.4 billionand Revenues of USD 1.7 billion • 2009 Assets of USD 4.5 billionand Revenues of USD 1.5 billion • On a national scale rated BBB by Fitch and JCR, on an international scale rated B- by Fitch and BB- by JCR • 5th Turkish corporate issuing a Eurobond • Reputable partnershipsandcooperation with global brands • ENI, EWE, Mitsubishi, General Electric, Turkish Telecom, Qatar InvestmentAuthority, Anatolia Minerals, Initec Energia CONSTRUCTION • 2

  4. Energy – PowerSystems • Completed turnkey delivery of 6 power stations with a totalcapacity of 1137 MW in Turkmenistan • Long-term supply and maintenance contract with Turkmen state • Holds 10 licenses to construct hydroelectric, wind and thermal power plants with a total capacity of 1500 MW in Turkey • Joint construction of a gas power plant in Uzbekistan with Initec Energia of Spain • Project amount of USD 470 million • Generation capacity of 472 MW • Completion date of 2013 3

  5. Energy – Utilities • Çalık Energy was rewarded the tender for 100% • privatisation of Yeşilırmak Electricity Distribution Company • 1.5 million subscribers in the cities of Samsun, • Amasya, Çorum, Ordu and Sinop • Acquisition price was USD 441.5 million • Has a shareholding in Bursagaz and Kayserigaz • Bursagaz and Kayserigaz service 850,000households 4

  6. Energy – Oil & Gas • TAPCO • Awarded the license to build and operate the • strategically importantTrans-Anatolian Pipeline (TAP) • Partnership with ENI Group of Italy • Annual capacity of 50-70 million tons of oil • Completion date of 2013 • Exploration and Drilling • Explores and drills oil and gas in Turkmenistan • Partnership with Parker Drilling of USA • Holds oil and exploration licenses in Eastern Turkey and • Thrace region • Refinery • Awarded the license to build a refinery and • petrochemicals complex in Ceyhan • Annual capacity of processing 10million tons of crude • oil and2 million tons of petrochemicals • Budget of USD 6 billion 5

  7. Telecommunications • Owns 76% stake in Albania's Albtelecom • Turkish Telecom is a strategic partner with 20% share • Only fixed line operator in Albania • 305,000 subscribers with a potential of 800,000 • 30%penetration • Third GSM operator after AMC and Vodafone • 635,000 subscribers • 15% market share 6

  8. Turkey’s Second Largest Media Group Turkey’s Second Largest Media Group • One of only two nationwide print distribution networks • in Turkey • 5 regional offices (2 representative offices) • 5 printing facilities • 25,794 sales outlets (810 chain stores) • 221 distributors • 20% market share in TV & newspaper advertising • Lusail International Media Co., media affiliate of Qatar • Investment Authority is 25% shareholder of Turkuvaz 7

  9. Construction • GAP İnşaat ranked 163rd in the “Top International • Contractors” list of ENR magazine in 2009 • Active in the construction of turnkey industrial plants, • infrastructure and environmental projects, hospitals, • hotels, schools, roads and museums • Cover Middle East, CIS and North Africa • Value of completed projects amounts to approximately • USD 2.5 billion • Latest project is a USD 1.1 billion shopping centre, • residential and office building in partnership with • Varyap • Undertaking Turkey’s first urban transformation and • renovation projects with private involvement in the • heart of Istanbul • Tarlabaşı and Fener Balat 8

  10. Textiles • GAP Güneydoğu is one of the world’s top tensuppliers • of denim • The only rated textiles company in Turkey with a local • currency rating of BBB+ from Fitch • Active in the production of yarn, fabric, garment and • home textiles • Manufacturing operations in Turkey, Turkmenistan • and in Egypt • Majority of sales exported to North America, Europe, • North Africa and East Asia • Top 3 export destinations are the USA, Italy and • Spain • Customers include global names such as Diesel, Replay, • Lee-Wrangler, Levi’s,Benetton, H&M, Calvin Klein, • TommyHilfiger, Zara, Miss Sixty, M&S, Next, Esprit, • Escada 9

  11. Mining • An extensive partnership with Anatolia Minerals in • Turkish mining industry • Anatolia Minerals is based in the US and holds more than 100 licenses inTurkey • Çalık Madenpartners up with Çukurdere, a subsidiary of • Anatolia Minerals • 175,000 ounces of annual production started in 2010 • Çukurdere owns a gold mine in Erzincan with 6mn • ounces reserves • The alliance will allow for joint exploration and • development of other minerals in Turkey on a 50/50 basis 10

  12. Çalık Financial Services Çalık Financial Services 11

  13. Banka Kombetare Tregtare 12

  14. Aktif Bank - Fact Sheet 13

  15. Summary Financials – Triple Digit Growth in the Balance Sheet for the Last Two Consecutive Years Total Assets (in TL thousands) Total Equity (in TL thousands) CAR: 16.4% 14 Note: Solo financials audited in accordance with BRSA standards

  16. Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years 682,175 682,175 CAR: 16% 15 Note: Solo financials audited in accordance with BRSA standards

  17. Our Strategy : • Three Pillar Strategy Built on a Strong Banking Base New Generation Banking Direct Banking City Banking Regional Banking Corporate Banking Retail Banking Investment Banking Treasury 16

  18. Our Banking Base • Strong and Dedicated Team • Centralized Multi-Institutional Operational Infrastructure • Inhouse Core Banking System – “Akustik” • State-of-Art Unique Platforms • Kreaktif (Credit Factory) • Aktif Online • Aktif Collection • Aktif Card System • Aktif Insurance 17

  19. Direct Banking • Branchless banking model • Replacing expensive and old-fashioned branch dominated network • Physical and electronic alternative delivery channels • Post Offices, Dealers, Web, Call Centre • Presence at points of sale • No time or location constraints • Technologically sophisticated products 18

  20. Our Channels Aktif Bank Web-site Post Office Branches • Aktif Bank Web-Site and City Portals - throughout Turkey • Dealer Portals - throughout Turkey • Call Centre - throughout Turkey and in Albania • PTT - 3,750 points throughout Turkey • Aktif Points - 760 points in 8 cities • Aktif Kiosks - 32locations in 4 cities • Branches – 6 branches in 5 cities Aktif Kiosk Aktif Bank Dealer Portal 19

  21. UPT is the First Service that Surfs on Aktif Online Platform • UPT is the cheapest and easiest way of money transfer in Turkey from banks to post offices and post offices to banks real -time UPT Is Easy! UPT Is Cheap! Money transfers to anyone with or without a bank account in Turkey is possible! Filling an order form with proof of identification is enough! Only TL 7.5 for money transfers up to TL 1,000 compared to the average of TL 30 for Electronic Fund Transfer (EFT)! • UPT Is Widespread! UPT is available at 3,750 PTTbranches, over 8,800 bank branches, telephone and internet banking ! Cash withdrawals through 22,800 ATMs in Turkey possible! • “There are 1,179 locations where there is no bank branch but a PTT office in Turkey ” 20

  22. Aktif Bank collaborates with PTT and offers consumer loans to the PTT payroll customers • Given sufficient funding, accessing these 500,000 payroll customers with secured, colleteralized retail loans offers has a sales potential of USD 1 billion • Credit operations  was introduced to PTT for the first time by providing loan training to 1500 staff in 25 cities • Started on 18th June with PTT Personnel • Nation-wide launch in July 1st Kredi 21

  23. Kreaktif – Credit Factory From application to assesment, we built our credit factory with flexible workflows and high integration capacity with multiple channels • Automatic Decision System • Office Verification Module • Fraud Module • User-friendly screens • Smart Application Fields • Dynamic Matrix • Online Outsource Interrogation 22

  24. Consumer Loans through Dealers and ADCs • Doğtaş and Kelebek are two major furniture manufacturer chains in Turkey with sales points around the globe • Aktif Bank’s Dealer Credit System - Kreaktif is used at more than 150 dealers of Doğtaş and Kelebek • Average loan amount: TL 4,000 • Average tenor: 15 months • Negotiations continue with “Tepe Home” for similar cooperations Heating and Cooling Private Bus Associations • Boiler and installation loan program is available at 40dealers in Kayseri in cooperation with Kayserigaz • Private bus assocations in Bursa, Kayseri, Gaziantep, Düzce, Kütahya, Sakarya are offered • SME Loans with and without a collateral • Refinancing Loans • Vehicle Loans 23

  25. City Banking • Design, implementation and operation of product and services specifically tailored to cities • AFC systems, bill payments, cash management services and city card • Corporate banking and investment products for municipalities and local businesses • City portals • Up-to-date information on city life • Received “Best E-portal Information Technology Award” in 2009 by Kayseri Ministry of Transport 24

  26. Aktif Bank Subsidiary “E-Kent” • Turkey’s largest Automatic Fare Collection “AFC” • Operator in transportation • Provides modern and high-technology solutions for city life • Contactless cards “city card”, smart bus stops and • vehicle tracking systems • Expert in field operations • Services citizens, municipalities and private bus • companies with advancedtechnology solutions • and consulting 25

  27. E-Kent - In Numbers Smart Bus Stops • Operational in 8 cities • Bursa, Kayseri, Gaziantep, Düzce, Kütahya, Sakarya, • Kırklareli, Tokat • Servicing 9 million people • With 3 million pre-paid transportation cards • Used at 3,000 buses and 500 tollgates • 950 top-up points and ticket booths • Handles more than 1 billion transactions annually • 2009 Transportation Revenue: TL 800 million Vehicle Tracking System Validators Passenger Information System Terminals Tollgates 26

  28. City Card Product Family • Widespread, chip based, contactless, high security payment platform • KART 00 - Pre-paid transportation card • AKTIF 00 - Pre-paid urban card enabling quick and safe transactions at every point in the city • e.g. campus card, fan card, gift card, food card, corporate card etc. • CREDITAKTIF 00 - Credit card with additional installments feature to AKTIF 00 (to be launched in Q1 2011) • “Different card solutions for different customer needs” 27

  29. “Kart 00 Family” Prepaid Transportation Card Products • Functional in transportation “Kart 00” • Special card designs valid in transportation “She card”, “Sticker card” SHE CARD STICKER CARD • Recollection cards functional in transportation • “Horoscope zodiac cardvisual”, “Railway system card” RAILWAY SYSTEM CARD HOROSCOPE CARD 28

  30. “AKTIF 00 Family” AKTIF 00 is The Most Extensive Prepaid Card Programme in the World • An urban card enabling quick and safe transaction, usable in every point of the city. Social Facilities Transportation Vending machines & Kiosks & Parking Systems Shopping 29

  31. Regional Banking • Generate scale by building an extensive physical distribution network in the Balkans, CIS and Middle East • Contribute to the development of trade between these countries and Turkey • BKT with 69 branches in Albania and Kosovo • Further expansion into the Region 30

  32. Corporate Banking Products • Cash Management • Treasury Foreign Trade • Fixed Income Securities • Mutual Funds • Hedging Products • Collection System • Cheque / Bill • DDS • Card • Integrated Receivables Management (B.A.Y.) • Store Loyalty Card • Salary Payment System • Mass Transfer System • Accounting Integration System • L/C • L/G • Financing Insurance • Property • Business Interruption • Auto • Transportation • Liability • Credit • Individual / Group Loans • Cash • Non-cash 31

  33. Integrated Receivables Management (B.A.Y.) • End-to-end receivables management service • No differentiation of receivables • Invoices, cheques, notes and bills are included in the collection scheme • Obtain financing by pledging receivables • Advisory Services • Initial assessment of agency and dealer network of the client • Reporting and notification by follow-up through the call centre • In case of default, legal follow-up of overdue payments 32

  34. Aktif Bank Bond • We initated the formation of a commercial paper market • in Turkey • Under this program, we issued the first bank bond in • Turkey • All of our issuances have been fully subscribed • 1st tranche: TL 35 million (September 2009) • 2nd tranche: TL 65 million (September 2009) • 3rd tranche: TL 100 million (February 2010) • 4th tranche: TL 400 million (April 2010) • With a maturity profile of 30 days to 360 days • Tax advantage over time deposits • Aktif Bond is quoted on Reuters and Bloomberg 33

  35. : Your Local Partner • Why ACT Office • Establish a strong foothold in Turkey and in the region • Focus on decision making, not on the process of day-to-day business • Easy access to local expertise with extensive experience • Flash News Hotline • On-site business and corporate intelligence • Benefit is yours, the rest belongs to us (local “Scapegoat”) • Low cost base • ACT Office Services • Marketing • Promote and publicize your products • Search for clients, markets and sectors • Research • Filtered information to develop new insights to industries and sectors • Credit & Legal Advisory • Credit assessment • Collateralization • Monitoring • Administrative & Logistic 34

  36. ACT Office Services - ITFC and ICIEC Signed 06 Nov‘ 09 Signed 10 Nov‘ 09 • Founded in 1994 • Export and Investment Insurance • Number of Member Countries: 37 Founded in 2006 Trade Finance Number of Member Countries: 56 PROFILE • Marketing & Research • Operations • Claim • Risk Assessment • Legal Services • Logistic & Admin • Marketing & Research • Operations • Credits • Treasury • Legal Services • Logistic & Admin • SCOPE OF • SERVICES 35

  37. Our Correspondent Bank Network 36

  38. We are an Innovative Service Organization • First direct bank of Turkey • Firstbank to issue a commercial paper program • First bank to introduce “Liaison Office” concept in Turkey (“ACT Office”) • Only bank to have online realtime integration with Post Offices • Market leader in contactless cards in Turkey • First bank to develop “a-purse” which is a dual interface chip card application with transportation functionality • First bank to own a transportation operator “E-Kent” • First bank to develop a transportation kiosk • One of the 6 banks in Turkey with an instant decision making credit system “Credit Factory” • One of the 9 banks with dealer credit system 37

  39. FI Contacts Gonca Yılmaz Çetin Assistant Manager + 90 212 340 8322 gonca.cetin@aktifbank.com.tr Alper Nalbant Vice President + 90 212 340 8324 alper.nalbant@aktifbank.com.tr Sedat Yalçınkaya Specialist + 90 212 340 8323 sedat.yalcinkaya@aktifbank.com.tr 38

  40. Areas of Cooperation-Your Suggestions... 39

  41. Disclaimer: The contents of this document are provided here for informational purposes only and may not be up to date or fully state all the relevant facts, therefore no warranty, express or implied, is given as to the accuracy thereof and neither Aktif Bank nor any of its affiliates, administrators, directors, or employees shall be liable for any consequences which arise as a result of the use of, or reliance on, the contents and any associated material by you or any third party to whom you supply, copy, send or distribute the contents and any associated material including but not limited to loss of profit, loss of data and information, business, revenue, contracts, reputation or goodwill or any other expenses, costs and damages whether direct or indirect and whether reasonably foreseeable or not. This document is confidential and no portion of the contents herein may be copied, distributed, or reproduced in any form or by means without prior written consent of the Financial Institutions of Aktif Bank. 40

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