1. TÜRK EKONOMİ BANKASI A.Ş. 2007 1stQ CONSOLIDATED RESULTS

2. Outline
TEB Financial Group
Türk Ekonomi Bankası
Financial Highlights

3. TEB Financial Group of Companies

4. TEB Financial Investments*
BNPP
Çolakoğlu
50%
TEB Financial Investments
50%
84.3%
15,7% free float
TEB
100.0%
100.0%
100.0%
TEB Leasing
TEB Investment
TEB Factoring
100.0%
100%
TEB NV
TEB Asset M.
*/ Ownership percentages used in Consolidation

5. TEB Financial Group of Companies
TEB Investment
TEB Leasing
TEB Factoring
10th largest brokerage and investment house of Turkey with 3,37% market share as of 1Q07 (specialized in M&A’s and IPO’s )
9th largest leasing company in Turkey as of YE 2006
4th largest factoring company in Turkey with a 6.7% market share in the sector as of YE 2006
TEB Asset Management
TEB NV
The Group manages one of the largest and best performing funds in Turkey with total AUM of EUR 460 mio. and has a market share of % 2,93 as of 1Q07.
“Turkish specialist” in the EU market, total asset size is EUR 783 mio. as of 1Q07
Growth through cross-selling

6. Türk Ekonomi Bankası

7. Expanding Branch Network
GDP coverage
88%
March 2007
Coverage
cities
with 202 branches

8. Corporate Banking
Multinationals and corporates with over US$ 50 mio annual turnover
(as of 1Q07):
27.85 % of loans
24.71 % of deposits
34.10 % of customer contribution
Leader in cash management services
TEB Cash Management was awarded "The Most Innovative and Cost-effective Payments Processing Solution Award" in Excellence, in Payments Innovation Awards competition organized by the European Payments Consulting Association (EPCA).
Project Finance solutions

9. International Trade
centers in cooperation with BNPP trade centers network
Success story of synergy: Turkish Desks in Algeria, Ukraine and Egypt
Share of TEB in foreign trade (mio US$, %) (March 2007)
Undersecretariat of Foreign Trade awarded TEB with “Support of Export Award”

10. Solution Partner in SMEs
Commercial Banking
Corporates with less than US$ 50 mio annual turnover and suppliers and customers of corporate clients :
49.12 % of loans
13.45 % of deposits
67.98 % of customer contribution
Solution partner in SMEs
TEB Academy
Support Line
Accounting Software
Consultancy
Structured Loans
TEB KOBİ TV
Solution Partner in SMEs

11. Bank-Only Loan Portfolio
Loan Portfolio by Industry
Loan Portfolio by Currency
Well diversified loan portfolio
Source: TEB, BRSA Bank-Only Accounts

12. Non Performing Loans Prudent approach, low NPL ratio
Non-Performing Loans as a % of Total Loans
Source: CMB of Turkey announcements and BRSA Bank-Only Accounts
Prudent approach, low NPL ratio

13. Retail Banking and Small Business
Accelerated growth in Retail business with BNPP joint forces
Introduction of new products
Instant Credit
Mobile Payment
“Bonus” credit card scheme
Introduction of Small Business
Banking solutions :
21.80% of loans
14,0 % retail banking, 7.8 % small business
35.50% of deposits
31.8 % retail banking, 3.7 % small business
-4.56% of customer contribution
Emphasis on wealth management

14. Market Share in Retail Loans
Source: TEB; BRSA Bank-Only Accounts

15. Leveraging Customer Base
Private Banking
Pioneered PB services in Turkey since 1989
A sales channel dedicated to high-networth individuals with a min.threshold of US$ 800,000
High synergy with TEB Asset Management, TEB Investment, Treasury, Retail Banking, Commercial Banking, Corporate Banking, for sourcing new clients and product development
Discreationary and non-discreationary asset management, differentiated & tailor made PB products and services package
Total funds managed (as of 1Q07): US$1.3 billion
Contribution to results (as of 1Q07):
0.11% of loans
25.69% of deposits
2.48 % of customer contribution
Aim: Tailor-made service by more focus on customers and special products
Leveraging Customer Base

16. Financial Highlights

17. Consolidated BRSA B/S Highlights
Source: TEB, BRSA Consolidated Accounts

18. Source: TEB, BRSA Consolidated Accounts
Balance Sheet Growth
Source: TEB, BRSA Consolidated Accounts

19. Consolidated Balance Sheet Composition
Assets
Liabilities
Source: TEB, BRSA Consolidated Accounts

20. Source: TEB BRSA Bank-Only Accounts
Loans
Source: TEB BRSA Bank-Only Accounts

21. Source: TEB BRSA Bank-Only Accounts
Deposits
Source: TEB BRSA Bank-Only Accounts

22. Marketable Securities
Source: TEB, BRSA –Bank-Only

23. Consolidated BRSA Income Statement Re-Classified
Source: TEB, BRSA Consolidated Accounts

24. Adjusted Net Interest Margin */
Profitability Ratios
Adjusted Net Interest Margin */
Cost / Income
ROE (net)
ROA (net)
*/ Adj. Net Int. Margin: (Net int. income+net comm. income fm cash loans-prov.s for loans and other+gain/loss) / Interest Earning Assets
Source: TEB, BRSA Consolidated Accounts

25. Marketable Sec. / Assets Capital Adequacy Ratio
Ratios
Loans / Deposits
Marketable Sec. / Assets
Capital Adequacy Ratio
Source: TEB, BRSA Consolidated Accounts

26. Contact Details Investor Relations +90 212 2512121
Levent Çelebioğlu (ext. 1341)
Çiğdem Başaran (ext. 1532)

27. Disclaimer
The information and opinions obtained in this document have been compiled or arrived at by TEB from sources believed to be reliable, but no representation or warranty is made as to their accuracy, completeness or correctness. All opinions and estimates contained in this document constitute TEB’s judgement as of the date of this document and are subject to change without notice. This document is published for the assistance of the recipients, but is not to be relied upon as authoritative or taken in subtitution for the exercise of judgement by any recipient. TEB does not accept any liability for any direct or consequential loss arising from any use of this document or its contents. This document is strictly confidential and may not be reproduced, distributed or published for any purpose.