HALKBANK SUSTAINABILITY REPORT 2017

 Esteemed Stakeholders, We are very pleased to share with you our fourth Sustainability Report on behalf of Halkbank, one of the leading companies of sustainable development in Turkey. Every year, we aim to improve our report in which we share the sustainability performance of our bank. Despite all the factors that have negative influence on the stability of the financial system in 2017, we continued to be one of the biggest supporters of SMEs, artisans, entrepreneurs and exporters as the Bank of productive Turkey. We have continued our operations with the commitment to sustainability and with the aim of continuously creating added value for our stakeholders. As a result of our sustainability approach represented at the highest level within the organization, financial performance as well as fundamental issues such as climate change and human rights are always among the targets and strategies of Halkbank. All the processes managed within the scope of the relevant structure aim at increasing the added value by improving the obtained performance. Halkbank has maintained its support programs that will improve the performance of SMEs in 2017, and allocated significant resources to local economy via agreements signed with the international financial institutions. With the digitization studies and the investments in information technology, modern banking approach has been further developed and new products and services were offered to our customers. We have continued to make contributions to the development of our employees, and we carried out number of applications that will increase employee satisfaction. In addition to all our operational activities, conventional and social projects that respond to the social needs in different areas have also been continued. I would like to thank all our stakeholders for their continuous contribution and support in Halkbank's sustainability efforts. Sincerely,

MESSAGE FROM THE CHAIRMAN

R. Süleyman Özdil

Chairman