Turkiye Garanti Bankasi A.S. / US9001487019

TO: Investment Community FROM : Garanti BBVA / Investor Relations SUBJECT: Announcement regarding JCR Credit Rating   DATE: September 30, 2025     JCR Eurasia Rating, has evaluated the consolidated structure of “Türkiye Garanti Bankas? A.?.” (the “Bank”) in the highest investment level category, affirmed the Long-Term National Issuer Credit Rating at ‘AAA (tr)’ and the Short-Term National Issuer Credit Rating at ‘J1+ (tr)’ with ‘Stable’ outlooks on 30 September 2025. On the other hand, the Long-Term International Foreign and Local Currency Issuer Credit Ratings have been affirmed at ‘BBB-’ and ‘BBB’ respectively, with ‘Stable’ outlooks, positioned above the country ceiling. The Bank’s current ratings are as follows:  

	Current Rating	Prior
Long Term National	AAA (tr) / Stable Outlook	AAA (tr) / Stable Outlook
Short Term National	J1+ (tr) / Stable Outlook	J1+ (tr) / Stable Outlook
Foreign Currency Long Term International	BBB- / Stable Outlook	BBB- / Stable Outlook
Local Currency Long Term International	BBB / Stable Outlook	BBB / Stable Outlook

  *In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.   We declare that our above statements are in conformity with the principles included in the Board’s Communiqué, Serial II Nr.15.1, that it exactly reflects the information we received; that the information complies with our records, books and documents; that we did our best to obtain the correct and complete information relative to this subject and that we are responsible for the declarations made in this regard.     Yours sincerely, Garanti BBVA Contact Garanti BBVA Investor Relations: Tel: +90 212 318 2352 Fax: +90 212 216 5902 E-mail: investorrelations@garantibbva.com.tr www.garantibbvainvestorrelations.com