BALANCE SHEET (TL 000)
Assets		2011/9		Share		2010/12		Share		Ytd Change
Cash and Banks		19,830,704		12.4%		11,707,743		8.9%		69.4%
Securities (Net)[1]		42,365,277		26.5%		45,436,557		34.5%		-6.8%
Loans		85,433,292		53.4%		64,231,678		48.7%		33.0%
Non-Performing Loans (Net)		-		-		-		-		-
Affiliates and Subsidiaries		6,984,274		4.4%		6,264,039		4.8%		11.5%
Other Assets		5,391,908		3.3%		4,156,477		3.1%		29.7%
Total Assets		160,005,455		100.0%		131,796,494		100.0%		21.4%

Liabilities and Shareholders' Equity		2011/9		Share		2010/12		Share		Ytd Change
Deposits		95,544,073		59.7%		88,260,157		67.0%		8.3%
REPO and Money Market		20,364,054		12.7%		10,158,890		7.7%		100.5%
Funds Borrowed		14,675,910		9.2%		8,042,442		6.1%		82.5%
Other Liabilities		11,539,015		7.2%		8,321,201		6.3%		38.7%
Shareholders' Equity		17,882,403		11.2%		17,013,804		12.9%		5.1%
Total Liabilities and Shareholders' Equity		160,005,455		100.0%		131,796,494		100.0%		21.4%

INCOME STATEMENT (TL 000)		2011/9		2010/9		YoY Change
Net Interest Income		3,246,935		3,467,529		-6.4%
Trading Gains (Net)		27,535		279,370		-90.1%
Net Fees and Commissions Received		1,025,512		921,753		11.3%
Dividends Received		555,702		369,146		50.5%
Released Provisions		739,178		879,408		-15.9%
Other Operating Income		227,311		229,774		-1.1%
TOTAL OPERATING INCOME		5,822,173		6,146,980		-5.3%
Personnel Expenses		1,405,830		1,249,090		12.5%
Administrative Expenses		755,737		666,646		13.4%
Other Operating Expenses		427,107		463,845		-7.9%
TOTAL OPERATING EXPENSE		2,588,674		2,379,581		8.8%
Loan Loss Provision Charges		392,083		596,265		-34.2%
Other Provision Charges		642,042		299,456		114.4%
Corporate Tax		398,068		492,400		-19.6%
NET PROFIT		1,803,306		2,379,278		-24.2%

OTHER KEY INDICATORS (TL 000)		2011/9		2010/12		Ytd Change
Tier I Capital		16,319,274		15,178,349		7.5%
Tier II Capital		2,107,746		1,858,027		13.4%
Deductions from Capital		174,951		40,871		328.1%
Total Regulatory Capital		18,252,069		16,995,505		7.4%
Value at Market Risk		5,741,988		5,525,375		3.9%
Value at Operational Risk		11,275,425		10,715,692		5.2%
Value at Credit Risk		107,660,214		80,616,131		33.5%
Net FX Position		1,075,912		873,599		23.2%
Net FX Position  (Balance Sheet)		1,078,681		-873,021		223.6%
Net FX Position (Off-Balance Sheet)		-2,769		1,746,620		-100.2%
Demand Deposits		17,706,148		14,468,760		22.4%
Number of Branches		1,194		1,142		4.6%
Number of Personnel		24,788		23,944		3.5%
Number of ATMs		4,443		4,137		7.4%
Number of Credit Cards		5,528,740		5,166,058		7.0%
Number of POS Terminals		265,439		264,564		0.3%

FINANCIAL RATIOS		2011/9		2010/12
Government Securities / Total Securities		93.8%		92.2%
FX Securities / Total Securities		24.1%		21.7%
Retail Loans / Total Loans [2]		28.0%		30.6%
FX Loans / Total Loans		35.9%		31.8%
Related Party Loans / Total Loans		1.3%		1.3%
Loans / Deposits		89.4%		72.8%
NPL Ratio		2.5%		3.6%
NPL Coverage Ratio		100.0%		100.0%
Interest Earning Assets / Total Assets [6]		91.6%		91.1%
Interest Earning Assets / Interest Bearing Liabilities [6]		112.1%		112.8%
FX Deposits / Total Deposits		37.6%		32.5%
TL Saving Deposits / Total Deposits		42.6%		43.4%
Demand Deposits / Total Deposits		18.5%		16.4%
Customer Deposits / Total Funding		73.7%		80.6%
Capital Adequacy Ratio		14.6%		17.5%
Tier I Ratio		13.1%		15.7%
Net FX Position / Shareholders' Equity		5.9%		5.1%
Interest Spread / TL[3]		-		-
Interest Spread / FX[4]		-		-
Net Interest Margin[5] [6]		3.4%		4.3%
Cost / Income		44.5%		40.6%
Net Fees and Commissions Received / Operating Income		17.6%		15.7%
ROAA		1.6%		2.4%
ROAE		13.8%		19.6%
ROAE / On Banking Business		16.1%		28.2%
Payout Ratio		-		23.2%

LOAN COMPOSITION		2011/9		2010/12
Consumer Loans		20.2%		22.0%
- Housing Loans		8.8%		9.8%
- Auto Loans		1.2%		1.4%
- General Type Consumer Loans		10.3%		10.9%
Overdraft Accounts		1.0%		1.2%
Credit Card Loans		8.0%		8.7%
Installment Type Commercial Loans		15.4%		16.0%
Other TL Loans		19.5%		20.4%
FX Loans		35.9%		31.8%

DEPOSIT COMPOSITION		2011/9		2010/12
TL Deposits		62.4%		67.5%
- Interbank Deposits		0.8%		1.7%
- Savings Deposits		42.6%		43.4%
- Commercial Deposits		11.2%		13.7%
- Public Sector Deposits		0.8%		0.6%
- Other Institutions		7.1%		8.1%
FX Deposits		37.6%		32.5%
- Interbank Deposits		3.8%		1.4%
- Non-Bank FX Deposits		33.7%		31.0%

BALANCE SHEET (USD 000)
Assets		2011/9		Share		2010/12		Share		Ytd Change
Cash and Banks		10,690,406		12.4%		7,602,431		8.9%		40.6%
Securities (Net)[1]		22,838,424		26.5%		29,504,258		34.5%		-22.6%
Loans		46,055,683		53.4%		41,708,882		48.7%		10.4%
Non-Performing Loans (Net)		-		-		-		-		-
Affiliates and Subsidiaries		3,765,107		4.4%		4,067,558		4.8%		-7.4%
Other Assets		2,906,689		3.3%		2,699,011		3.1%		7.7%
Total Assets		86,256,310		100.0%		85,582,139		100.0%		0.8%

Liabilities and Shareholders' Equity		2011/9		Share		2010/12		Share		Ytd Change
Deposits		51,506,239		59.7%		57,311,790		67.0%		-10.1%
REPO and Money Market		10,977,927		12.7%		6,596,682		7.7%		66.4%
Funds Borrowed		7,911,542		9.2%		5,222,365		6.1%		51.5%
Other Liabilities		6,220,493		7.2%		5,403,377		6.3%		15.1%
Shareholders' Equity		9,640,109		11.2%		11,047,925		12.9%		-12.7%
Total Liabilities and Shareholders' Equity		86,256,310		100.0%		85,582,139		100.0%		0.8%

INCOME STATEMENT (USD 000)		2011/9		2010/9		YoY Change
Net Interest Income		1,750,369		2,399,674		-27.1%
Trading Gains (Net)		14,844		193,336		-92.3%
Net Fees and Commissions Received		552,837		637,891		-13.3%
Dividends Received		299,570		255,464		17.3%
Released Provisions		398,479		608,587		-34.5%
Other Operating Income		122,539		159,013		-22.9%
TOTAL OPERATING INCOME		3,138,638		4,253,965		-26.2%
Personnel Expenses		757,860		864,422		-12.3%
Administrative Expenses		407,405		461,347		-11.7%
Other Operating Expenses		230,246		321,000		-28.3%
TOTAL OPERATING EXPENSE		1,395,512		1,646,769		-15.3%
Loan Loss Provision Charges		211,365		412,640		-48.8%
Other Provision Charges		346,114		207,236		67.0%
Corporate Tax		213,514		340,761		-37.3%
NET PROFIT		972,133		1,646,559		-41.0%

OTHER KEY INDICATORS (USD 000)		2011/9		2010/12		Ytd Change
Tier I Capital		8,797,452		9,856,071		-10.7%
Tier II Capital		1,136,251		1,206,511		-5.8%
Deductions from Capital		94,313		26,540		255.4%
Total Regulatory Capital		9,839,390		11,036,042		-10.8%
Value at Market Risk		3,095,411		3,587,906		-13.7%
Value at Operational Risk		6,078,396		6,958,242		-12.6%
Value at Credit Risk		58,037,851		52,348,137		10.9%
Net FX Position		580,006		567,272		2.2%
Net FX Position (Balance Sheet)		581,499		-566,897		202.6%
Net FX Position (Off-Balance Sheet)		-1,493		1,134,169		-100.1%
Demand Deposits		9,545,093		9,395,299		1.6%
Number of Branches		1,194		1,142		4.6%
Number of Personnel		24,788		23,944		3.5%
Number of ATMs		4,443		4,137		7.4%
Number of Credit Cards		5,528,740		5,166,058		7.0%
Number of POS Terminals		265,439		264,564		0.3%

[1]Excluding derivative instruments.
[2]Retail Loans include consumer loans, retail credit card loans and retail overdraft accounts.
[3]Yield on TL Loans - Cost of TL Deposits
[4]Yield on FX Loans - Cost of FX Deposits
[5]On a TL and FX blended base
[6]Interest Earning Assets include TL and FX reserves at Central Bank, which are currently paid 0% interest