Regarding the Sale of Non-Performing Loans Portfolio

TO: Investment Community

FROM : Garanti BBVA / Investor Relations

SUBJECT:Regarding the Sale of Non-Performing Loans Portfolio

DATE: July 17, 2026

Our Bank has sold its non-performing loan portfolio receivables arising from loans, credit cards, general purpose loans, cheque accounts, commercial loans, overdraft loans and all other related receivables and expenses together with the interest amount;

• in the total principal and contractual interest amount of TL 233.032.674,04 as of June 15, 2026, to Gelecek Varlık Yönetimi A.Ş. for a total consideration of TL 60.000.000,00,

• in the total principal and contractual interest amount of TL 250.945.304,9 as of June 16, 2026, to Tuna Varlık Yönetim A.Ş. for a total consideration of TL 62.000.000,00,

• in the total principal and contractual interest amount of TL 500.895.556,71 as of June 17, 2026, to Met-ay Varlık Yönetim A.Ş.for a total consideration of TL 85.000.000,00,

• in the total principal and contractual interest amount of TL 534.564.918,17 as of June 18, 2026, to İstanbul Varlık Yönetim A.Ş. for a total consideration of TL 58.000.000,00,

• in the total principal and contractual interest amount of TL 557.999.086,96 as of June 19, 2026, to Dünya Varlık Yönetim A.Ş. for a total consideration of TL 46.000.000,00,

in five separate portfolios for a total consideration of TL 311.000.000,00.

*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