[CONSOLIDATION_METHOD_TITLE] [CONSOLIDATION_METHOD]
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Ref: Public Disclosure of QNB Bank dated 07.02.2014:

As stated in our public disclosure referred above, QNB Bank established a Medium Term Note (MTN) program ("Program"), which was prepared to enable issuances in various currencies and maturities. Within the scope of the Program, a loan agreement for the sale of sustainable debt instruments amounting to USD 100,000,000 was signed on 05.12.2025.

*In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.