PASHA BANK ANNUAL REPOT 2024

PREMIUM BANKING With the target of being the first bank that comes to mind not only in commercial area but also in retail area, PASHA Bank realized the mortgage product relaunch in 2024 specific to Azerbaijan citizens with the “Don’t be a Guest in the Sister Country, Be a Home- owner” motto and continued to expand its loan book in 2024. In 2024, Premium Banking Department continued to offer treasury and capital market products to investors in accordance with individual customers’ needs and gained speed in customer acquisition. Through Premium Banking business branch, PASHA Bank invites foreign individuals and corporate investors to invest in Türkiye with various bond issuances in Azerbaijan having different terms and currencies, in addition to Turkish lira PASHA Bank financial bonds issued for qualified investors in Türkiye. In 2024, in addition to investment products such as repurchase agreements and Eurobond purchase-sales, PASHA Bank also had an active year in offering alternative borrowing instruments to its customers in Turkish Capital Markets such as Asset-backed Security issuances. Through these instruments, the Bank provided financial resources to the real sector and had the opportunity to offer high return advantage to qualified investors with these guaranteed products. With the target of being the first bank that comes to mind not only in commercial area but also in retail area, PASHA Bank realized the mortgage product relaunch in 2024 specific to Azerbaijan citizens with the “Don’t be a Guest in the Sister Country, Be a Home- owner” motto and continued to expand its loan book in 2024. In 2025, PASHA Bank Premium Banking Department will continue to bring individual investors in Türkiye and Azerbaijan together with investment products suitable with their risk appetite and to increase its own appetite to add alternative investment products to its product range suitable for its customer profile. Premium Banking cares about sustainable growth, thus aims to sustain 100% customer satisfaction values and privileged service experience successfully in 2025. WITH THE MOTTO “DON’T BE A GUEST IN THE SISTER COUNTRY, BE A HOME-OWNER!” THE VOLUME OF MORTGAGE LOANS SPECIFICALLY FOR AZERBAIJANI CITIZENS HAS CONTINUED TO INCREASE IN 2024. mortgage loans 46 PASHA Bank 2024 Annual Report