Turkiye Garanti Bankasi A.S.: BRSA Consolidated Earnings Presentation dated 31 December 2025

TO: Investment Community FROM : Garanti BBVA / Investor Relations SUBJECT: BRSA Consolidated Earnings Presentation dated 31 December 2025 DATE: February 4, 2026   Please find BRSA Consolidated Earnings Presentation dated 31 December 2025 attached, both Turkish and English versions.  Please refer to Garanti Bank Investor Relations website at www.garantibbvainvestorrelations.com to access BRSA Consolidated and Unconsolidated Earnings Presentation dated 31 December 2025.   *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