Book size: 2700; First Pay: 2026-08-19; Redemption: 2031-08-19; Registration: 144A/Reg S; Comments: B&D: HSBC. Tax Call: Yes. Deal Stats: By Geography: UK 30%, US 29%, Cont Europe 22%, MENA 14%, Asia 5%. By Type: AM 71%, Bank/PB 17%, HF 10%, Broker/Other 2%;

Reoffer: PerpNC5.5: T+372.9 / 100 / 7.950% Final Books > US$2.7bn (excl. JLM interest). Peak book > US$2.8bn (excl. JLM interest). Launched: PerpNC5.5: US$600m @ 7.95% - Books > US$2.7bn (excl. JLM interest) Guidance: PerpNC5.5: 8.000-8.125% - Books > US$2.8bn (excl. JLM interest) IPTs: PerpNC5.5: 8.500%a Issuer: Akbank T.A.Ş. Ticker: AKBNK LEI: 789000TUMN63Z28TJ497 Issuer Ratings: Ba3 (stable) Moody's / BB- (positive) Fitch Expected Issue Rating: B- (Fitch) Instrument: US$ Perpetual Fixed Rate Resettable Additional Tier 1 Notes Format: 144A / Reg S Size: US$600m Tenor: Perpetual NC 5.5 Status: Direct, unsecured and subordinated obligations; subordinated to Senior Obligations, pari passu with Parity Obligations, senior to Junior Obligations First Reset Date: 19-Aug-31 (Date falling 5 years and 6 months after the Issue Date) Reset Date: The First Reset Date and every 5 years thereafter Back-End Reset: T+422.1 Interest: Fixed rate from Issue Date to First Reset Date. From each Reset Date, interest at Reset Margin + CMT Rate. Semi-annual. Interest Payment Dates: 19-Feb and 19-Aug in each year, commencing 19-Aug-26 Interest Cancellation: Optional at Issuer's sole discretion at any time and for any reason (in whole or in part). Should the Notes no longer qualify as Additional Tier 1 capital following a Capital Disqualification Event, if the Issuer does not exercise its option to redeem, interest cancellation provisions shall cease to apply. Mandatory cancellation upon: (i) insufficient distributable items; (ii) BRSA requiring cancellation; (iii) payments would cause maximum distributable amount to be exceeded; (iv) breach of regulatory restrictions on AT1 payments; (v) Trigger Event or Non-Viability Event. Cancelled interest is non-cumulative and obligation extinguished. Restrictions Following Interest Cancellation: If interest cancelled: (i) board shall not recommend distributions on share capital; (ii) Issuer shall not redeem, purchase or acquire Junior Obligations Optional Redemption: Issuer Call on any date from 19-Feb-31 to First Reset Date, or any Interest Payment Date thereafter, at Prevailing Principal Amount plus accrued interest (subject to full write-up following Trigger Event Write-Down). Issuer Residual Call at any time upon Capital Disqualification Event, Tax Event, or if ≥75% of initial aggregate principal purchased. All redemptions subject to conditions being met. Trigger Event Write-Down: If CET1 Ratio of Issuer and/or Group < 5.125%, Issuer shall (a) cancel accrued and unpaid interest and (b) if insufficient to restore CET1 Ratio to 5.125%, reduce Prevailing Principal Amount by Trigger Event Write-Down Amount Non-Viability Write-Down: Upon Non-Viability Event (as determined by BRSA), Issuer shall cancel accrued and unpaid interest and reduce Prevailing Principal Amount by Non-Viability Event Write-Down Amount. Non-Viable means point at which: (a) operating licence to be revoked and Issuer liquidated; or (b) rights of shareholders, management and supervision transferred to Savings Deposit Insurance Fund Trigger Event Write-Up: Subject to Applicable Banking Regulations, BRSA approval (if required), and positive distributable net profit, Issuer may increase Prevailing Principal Amount up to Maximum Write-Up Amount Substitution and Variation: Following a Capital Disqualification Event or Tax Event, Issuer may substitute or vary Notes for Qualifying Additional Tier 1 Securities (terms not materially less favourable), subject to BRSA approval Clearing: Euroclear/Clearstream, DTC Governing Law: English law, except status of Notes governed by Turkish law Denominations: US$200k + 1k Listing: Euronext Dublin (GEM) Joint Bookrunners: BofA Securities, Citi, Emirates NBD Capital, First Abu Dhabi Bank, HSBC (B&D), J.P. Morgan ISIN: Reg S: XS3298828966 144A: US00971YAN04 Pricing: 12-Feb-26 Settlement: 19-Feb-26 (T+5)