PASHA_BANK_ANNUAL REPORT 2022

42 PASHA Bank 2022 Annual Report Premium Banking In 2022, 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 Turkey 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 Turkey. In 2022, 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 launch in 2022 specific to Azerbaijan citizens with the “Don’t be a Guest in the Sister Country, Be a Home-owner” motto and started to extend loans. In today’s world when digital transformation is at front sight in every area, PASHA Bank took some significant steps in the third quarter of 2022 and started the “PASHA Sign” project which will be implemented in the second half of 2023. The project will speed up the operational processes and make customer satisfaction and acquisition much faster. In 2023, PASHA Bank Premium Banking Department will continue to bring individual investors in Turkey 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 2023. Project Management PASHA Bank continued to develop projects for producing services and products for customers and employees in accordance with the Bank’s 2021-2023 strategic road map and strategic goals. The bank will provide for sustainability of secure and high quality technological infrastructural developments in the following periods as well. Within the scope of digitalization at the strategic plan; • EFT, Foreign Currency Purchase/ Sale transactions and monitoring of repurchase and securities transactions were made possible via Internet Banking application. Premium Banking Unit continued to offer treasury and capital market products to investors and gained speed significantly in customer acquisition. acceleration PASHA Bank’s 2022 Operations