Announcement regarding Moody’s rating affirmation

TO: Investment Community

FROM : Garanti BBVA / Investor Relations

SUBJECT:Announcement regarding Moody’s rating affirmation

DATE: July 16, 2026

On 16 July 2026, Moody’s affirmed Garanti BBVA’s Long Term Foreign and Local Currency Deposit Ratings at Ba2. Garanti BBVA’s standalone credit assessment (BCA) and Adjusted BCA were also affirmed at ba3 and ba2, respectively. The outlook on the Bank’s Long Term Foreign and Local Currency Deposit Ratings remains stable.

Bank’s current ratings are as follows:

Moody’s	Previous	Current
Outlook	Stable	Stable
Long Term FC Deposit	Ba2 (Stable)	Ba2 (Stable)
Long Term TL Deposit	Ba2 (Stable)	Ba2 (Stable)
Short Term TL Deposit	Not – Prime	Not – Prime
Short Term FC Deposit	Not – Prime	Not – Prime
Baseline Credit Assessment – BCA	ba3	ba3
Adjusted BCA	ba2	ba2
Subordinated Bond (Foreign)	B1 (hyb)	B1 (hyb)
Senior Unsecured Rating (Medium-Term Note Program)	(P) Ba2	(P) Ba2
National Scale Rating (NSR) Long Term Deposit	Aaa.tr	Aaa.tr
National Scale Rating (NSR) Short Term	TR-1	TR-1

*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