Presentation (correction slide 18) - Dexia.com

Deniz 2014: Be the first alternative to largest banks while
maintaining DenizBank profitable growth model
Invest TRY 500+ m and speed up branch opening to reach more than 800
branches by 2014 and more than 7% share of doors
Enhance customer centric approach to deliver state-of-the-art quality,
increase loyalty and cross-selling
Maintain disciplined loan culture and prudent risk management
principles
Continue stress on innovation and deliberately enter new profitable
niches
Maintain prudent cost management culture with highly efficient HR, IT and
public relations
Diversify sources of funding with increased share of deposits and
longer term wholesale financing
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