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Dear Customers, Esteemed Business Partners,

In spite of the risks and fluctuations created by the present environment in Turkey and the global markets, we continue our profitable and rapid growth performance as the youthful, innovative and dynamic bank of Turkey. As of the first nine months of 2016, we have increased our net profit by 214% compared to the same period of last year, up to 115,3 million TL. In the same period, Odeabank's total credits reached 23.5 billion TL, deposits to 25.5 billion TL and net assets to 33.1 billion TL. These successful financial results we have achieved in the year 2016, which has been quite challenging, is the most important indication of your confidence in Odeabank.

As you all follow closely, both the global economy and the Turkish economy are going through a sensitive period. Yet, despite this critical process we are in, the Turkish economy continues to attract the interest of foreign investors with its high potential. Turkey continues determinedly on its path without deviating from financial discipline, pausing its infrastructure investments or giving up its structural reforms that will increase its global competitive power. We have confidence in the potential of our country too; from the day we have started our operations to this day, we continue our investments without slowing down or losing sight of our goals, in order to enter the major league of the Turkish banking sector and become the first bank to come to mind in all banking services.

We have shown our confidence in our country's future and the potential of our economy once again, with the large scale investments we have made up to now as a bank built from the ground up, as well as our 1 billion TL capital increase which we have determinedly continued and completed successfully in spite of the coup attempt on July 15. This capital increase is also an indication of the confidence of our major shareholder Bank Audi, as well as acclaimed international financial institutions like IFC and EBRD in the potential of the Turkish banking sector. With this capital increase, we will get the opportunity to increase our support for the infrastructural projects and investments that will contribute to the development of the Turkish economy; also being able to support more effectively the SMEs that constitute 70 percent of Turkey's employment, yet benefit from only 30 percent of the credits.

As Odeabank, all our financial results we have been declaring since our establishment reveal the profitable growth in our key performance indicators. As of the third quarter of 2016 we are the 8th largest bank among all private banks in terms of deposits and 9th in terms of net assets. We continue to improve our service quality with each passing day with our 50 branches in 15 cities, 65 ATMs and 1622 employees. We aim to further increase our number of employees and branches until the end of 2016 especially in big cities.

In the first nine months of 2016, we have played an important role in the materialization of many projects with our financing support to many sectors across the board, while we continued to our grow as planned under roof of Corporate and Commercial Banking. In this area, we continue to strengthen our long term relationships we have established with our current customer portfolio. We will continue our activities to make Odeabank Corporate and Commercial services one of the pioneering and most preferred services in the banking sector by establishing sustainable success and high quality brand image and value.

We have established our SME Banking line of business within this year, making organizational changes in order to provide a more comprehensive service in line with our “Personalized Banking Approach” to SMEs, which we have determined as one of our primary target segments. We have advanced our activities in export financing with the competitive resources we obtained from abroad. We signed a credit agreement of 100 million Euros with the European Investment Bank to be used in financing the investment projects and working capital needs of SMEs based in Turkey. Our vision in SME Banking is to make Odeabank the main bank for SME customers with its rapid and specialized solutions, technology and customer experience. We will continue to structure our activities in SME Banking proactively and take actions in order to double our market share in this segment. With the support of our main shareholder Bank Audi, we anticipate to mediate commercial projects with Middle Eat and Nort Africa regions and become the leading bank of Turkey for this region. We believe we can reach this goal with the strength and credibility of the Bank Audi Group in their region.

Meanwhile in Retail banking, we have passed on to a more efficient segment management by providing personalized credit offers to our retail customers in addition to our “Nakit Hazır” brand we have developed for cash usage. We have made a new addition to the services we provide from our alternative distribution channels by developing the infrastructure to provide instant credit to our current customers through our Call Center and Internet Banking channels. In Consumer Financing, we will continue to increase our merchant sales points by diversifying the sectors of our partner companies and remain on our customers' side by providing our retail customers accessible financing solutions whenever they need it. Our card numbers already exceeding 320 thousand, we have launched Odeabank Private Card posessing distinctive features compared to other cards in the market, for our upper segment customers. Our retail banking customers have already reached 800 thousands.

As Odeabank we have diversified our savings tools and made them more attractive to savings account owners with new alternatives like Private Pension, Funded Deposit attached to Mutual Funds Distribution Channel and Withdrawable Annual Time Deposit accounts, suitable to the circumstances of this new period. We have also began to trade gold in our branches. That being said, we are expanding our Asset Management services adding value to the deposits and investments of our high-end customers with each passing day. In a pioneering practice in Investment Banking, we have partnered with 13 leading portfolio management companies of Turkey and thus diversified the funds we provide our customers. We have begun our stock trading transactions whose infrastructure was established in line with the new CMB regulation. We are one of the first banks to obtain all 3 licences in this area by complying 100% with the new processes and regulations of CMB. We provide this service with CMB licenced employees in both our headquarters and branches. By way of investment suggestions given by our headquarters, we aid our customers in their investment decisions ranging from Investment Funds to Stocks, from Gold Accounts to Derivative Transactions. Our Asset Management services have already reached 24 thousand customers.

In the third quarter of 2016 we have continued to win awards given by international organizations; we have been selected as Turkey's "Best Digital Bank" in the Retail Banking category in the "World's Best Digital Banks Awards 2016" organized by Global Finance for the 17th time this year, also being the best of Western Europe in “Bill Payment & Presentment”, “Information Security Initiatives”, “Investment Management Services” and “Social Media”. In the Interactive Media Awards 2016 our Odeabank and Bank'O Card websites have been awarded as the "Best in Class". In one of the most prestigious awards programs of international business world, Stevie Awards, we have received the highest number of awards among the banks attending from Turkey by receiving 4 gold, 1 silver and 8 bronze awards, comprising a total of 13 awards. Moreover, we have been selected as the "Bank of the Year" in banking category this year as well as last year.

The progress achieved by Odeabank in all areas of banking in such a short time is viewed as a success story in both Turkey and international platforms. Our aim as Odeabank is extending our customer focused banking approach to larger masses while focusing on improving our service quality in each passing day, being in the major league with our investments we realize without having to sacrifice our principles and creating more resources for the economy. I extend our thanks to all our shareholders who have supported us in reaching this goal.

Sincerely,

Hüseyin Özkaya

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