Fibabanka Overview December 2013

 12 Countries  82 Companies  15,000 employees

Fiba Group – Sectors & Companies 4 Girişim Factoring Turkey Fiba HoldingFina Holding Banking Other Financial Services RetailReal Estate & Asset Management Marine&LogisticsEnergyOther Credit Europe Group Holland CEB Holland CEL Romania CEB Suisse CEL Russia CEB Romania CEL Ukraine CEB Russia Credit Europe CEB Ukraine Ipotecar Romania CEB Dubai CE Asigurari Romania CE Life Insurance Russia Fiba Factoring Turkey Girişim NPL Management Turkey Fiba Life Insurance Turkey Marks & Spencer Turkey, Russia, Ukraine Gap Turkey, Russia, Ukraine Banana Republic Turkey, Russia Aeropostale Turkey Fiba Real Estate Turkey Anchor Group Romania Star Mall Real Estate Hong Kong, Shenyang, Shanghai ICS Lemi Invest Moldovia Fiba Mall Management Turkey AJT (Swissôtel İstanbul) Turkey Kumport Container Port, Turkey Fina Energy Holding Turkey Fiba Air Turkey Fiba Group is mainly focused on selected business activities in the service industry Fiba Group has geographically expanded its high performing and value generating business lines, both nationally, internationally, through replicating best practices Fiba Group has also captured value opportunistically through: –Fostering development teams aimed at capturing value through M&As/exits, and participating in new business lines of significant size and growth potential Fibabanka Fiba Portfolio Management

Financial Summary – Fiba Holding and CEB N.V. 5 Credit Europe Bank N.V. (Consolidated) Fiba Holding

Financial Summary-Credit Europe Bank Group 6

Overview of Fibabanka Operations

Overview and Shareholder Structure 8 Overview Shareholder Structure  Acquired in December 2010  1,152 employees as of December 2013, 771 employees at 62 branches and 381 employees at Head Office  Branches in major cities: İstanbul (30), Ankara (7), Antalya (6), İzmir (3), Bursa (1), Adana (2), G.Antep (3), Muğla (1), Kocaeli (1), Denizli (1), Mersin (1),Konya (1), Diyarbakır (1), Şanlıurfa (1), Düzce (1),Tekirdağ (1), Kayseri (1)  Commercial Segmentation: Corporate and commercial customers  Retail Segmentaion: Private,affluent,upper mass and SMEs customers. RETAIL BANKING COMMERCIAL BANKING  26 years of corporate banking experience in the country  Working capital loans to mid and large size corporate customers and also SMEs  Providing medium to long term financing projects in construction & contracting, energy, manufacturing and tourism  Cross sell possibility to local corporate customers (local current accounts, local TRY clearing and custody services)  Create business opportunities through cash management and trade finance products in order to deepen the relationship with customers  Servicing retail customers through alternative distribution channels due to the limited branch network  47 ths active customers * Shares of Credit Europe Bank N.V. and Millennium BCP were transferred to Fiba Holding A.Ş. as of December 2012 (Fiba Holding is the main shareholder of Credit Europe Group.).

Branch Network 9

Financial Figures

Financial Summary-1 11

Loans to Customers 12

Customer Deposits and Funding 13 Other Funding Sources  Syndication loan for EUR 69.5 mln and USD 30.5 mln with maturity Dec  Borrowing from IFC and EFSE for USD 30 mln and EUR 15 mln respectively with maturity June  Subdebt from Fiba Holding for USD 50 mln with maturity Dec  Subdebt from IFC, EBRD and ETDB for USD 40 mln, EUR 20 mln and USD 10 mln respectively with maturity  TL bond issuances total of TL 297 mln.

Income Statement & Key Ratios 14

Key Budget Figures 15