Turkiye Garanti Bankasi A.S.: Annoucement about the issuance of subordinated eurobond abroad

TO: Investment Community

FROM : Garanti BBVA / Investor Relations

SUBJECT: Announcement about the issuance of subordinated eurobond abroad

DATE: October 07, 2025

Our Bank has mandated Banco Bilbao Vizcaya Argentaria, S.A, Merrill Lynch International, Citigroup Global Markets Limited, Societe Generale, Abu Dhabi Commercial Bank PJSC, Mashreqbank psc, ING Bank N.V and SMBC Bank International plc for an issuance of U.S. dollar-denominated subordinated notes (Basel III compliant) to be sold abroad. The fixed rate notes with nominal amount of USD 700 million, 10.5NC5.5 maturity, redemption date of 15 April 2036 and the coupon rate of 7,625%.

*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