Consumer packaged goods - If it provides good customer service

Liquidity Risk Management Solid Liquidity Positioning

Preparedness to Manage Unexpected Expenses

While households have good separate collection (outside rural areas and especially in states with CDS), biggest challenges are in the commercial and business areas

~1/4 of consumers switch products and brands if labelled sustainable

Exhibit 19 Net NPL Inflow Total Volume Expected Growth [TRY bn, 2010-23]

We are using AI to enhance the effectiveness of our sales and marketing engine

The three key features of the 14th FYP

Cautious investment outlook in 2024 due to ongoing reforms