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Dear Customers, Esteemed Business Partners,

We have completed 2016, a year full of challenges both for the global economy and the Turkish economy, growing with sure steps and increasing our capital strength, thanks to our innovative and dynamic banking perspective, customer-focused approach and effective risk management policy. As Odeabank, the young and innovative bank of Turkey, we continue towards our goal to become one of the first banks that come to mind in all banking services.

Thanks to our high growth performance we maintained above sector average since our establishment, we have increased our net profit by 298% to 200.4 million TL in 2016. Compared to the year before, we have increased our net assets by 19.3% to 38.3 billion TL, our deposits by 15.5% to 29.3 billion TL, total credits by 21.3% to 26.4 billion TL. Thus, we have further strengthened our position in the Turkish banking sector.

2016 has been a year we have surpassed all our goals; reassuring all our shareholders, investors and customers and adding value to the Turkish economy. We have completed the year as the 8th largest among private deposit banks in terms of deposits and the 9th largest in net assets, also attracting attention of the world's leading international financial institutions.

In the month of July, when Turkey was going through a fragile period, we realized a successful capital increase with the contribution of our main shareholder Bank Audi and respected international financial institutions like IFC and EBRD. The funds we obtained through the equity investment make us stronger and more sturdy in terms of new investments and growth.

We will get one step closer to the major league of the Turkish banking sector by expanding our customer penetration in retail banking and making a connection with even the smallest enterprise in corporate and commercial banking.

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. We will continue to structure our activities in SME Banking in a proactive manner and to take actions that will double our market share in this segment.

In retail banking, 2016 has been a year our customers were introduced with new products; in the same manner 2017 will be a year we will introduce new products and services to our customers and our sector. We have launched our new product named 'Private Card' to the credit card market in June, with distinctive features that will improve our customers' lives. In November, we have combined forces with Atlasglobal for a co-branded credit card that combines airline miles with shopping miles.

In addition to credit cards, we have continued to offer new capabilities to our retail customers, renewing our web site to be fully compatible with our mobile application. On our new website we adopted a “simple and interactive design” policy. With this new design Odeabank customers can now carry out all internet banking transactions on a single site regardless of the device (smartphone, tablet or laptop) they are using or whether they are on the mobile or desktop site.

Among our Asset Management services, we have achieved successful results with our Oxygen Account that substantially increased Odeabank's current account volume and reinforced the significant boost in the customer numbers and loyalty. We have diversified our savings alternatives offered under the umbrella of Odeabank Asset Management services, making them more interesting to customers with new account alternatives in line with current circumstances such as Funded Deposit Connected to Fund Distribution Channel and Withdrawable Annual Time Deposit. Within this scope, we have lead the way in investment banking by collaborating with the leading portfolio management companies of Turkey.

As of the end of 2016, we are further improving our service quality every day with 50 branches in 15 cities, 65 ATMs and 1622 employees. We aim to further increase the number of our branches and employees by the end of 2017 focusing on big cities.

The progress made by Odeabank in all fields of banking in such a short time is described as a success story both in Turkey and in international platforms. Our continuous diversification of products and services and technological investments have enabled us to receive numerous awards in the international arena in 2016 as in previous years. In the 13th Stevie Awards organized in 2016, we received 4 golden, 1 silver and 1 bronze awards adding up to a total of 13 awards, including the “Bank of the Year” award in Banking category. Our bank received the most number of awards not just within the banking sector, but also among all participating companies from Turkey. One of the most prestigious banking awards in the world, Global Banking & Finance Review also awarded Odeabank in 3 different categories. We also won 5 awards in the '2016 World's Best Digital Banks' organized for the 17th time by the esteemed financial publication Global Finance. We are proud of all of these awards.

We distinguish ourselves not only with our contributions to the economy and the banking sector, but also in the social life of Turkey, reinforcing our years of support for basketball with the motto “the bank of basketball” by sponsoring the Euro League and Final Four. We also continue our support for the culture and arts with O'Art, introducing artworks by leading names of Turkey and the world to art lovers.

Turkish economy continues to attract the attention of international investors with its high potential. We also have faith in the potential of our country; continuing our investments without pause, with the aim of entering the major league of the Turkish banking sector and becoming the first bank that comes to mind in all banking services. I extend our thanks to all our shareholders who support us in reaching this goal.

Hüseyin Özkaya