Is Finansal Kiralama A.S. · BIST:ISFIN
Is Finansal Kiralama A.S — FY2025 Earnings Presentation
27 slides from Is Finansal Kiralama A.S's earnings presentation, December 2025
Slide 1: Investor Presentation December 2025
INVESTOR PRESENTATION DECEMBER 2025
Slide 2: Advantageous, Competent, Flexible, Foreseeable
Advantageous Competent Flexible Foreseeable
Slide 3: Company Overview
Company Overview iS LEASING
Slide 4: Milestones
Milestones As a result of the increase in Incorporated under the company value and transaction partnership of İşbank, Initial public volume, it is included in the ISE Societe General and IFC. offering (ISFIN) 50 index. 1988 2000 2005 1985 1995 The Leasing Law 2004 2009 enters into force. İşbank Grou
Slide 5: Company Overview
Company Overview As of December 31, 2025, with a new transaction volume of USD 1,043 million and a market share of 13.47 %, İş Leasing maintained its strong position in the sector. Leasing receivables for 31 December 2025 period increased by 88.7% to TL 50,3 billion. As of December 31, 2025, The Com
Slide 6: Company Overview
Company Overview Rating İş Leasing TİBAŞ TSKB Fitch Long-Term Foreing BB- BB- B+ Currency SAHA 9,30 - 9,67 Where to sell Trading Volume Price Marketing 40.000.000 25 35.000.000 20 Strategy 30.000.000 25.000.000 15 20.000.000 15.000.000 10 10.000.000 5 5.000.000 0 0 October-25 April-25 November-25 Ma
Slide 7: Company Overview
Company Overview 148 Avcılar Branch Kozyatağı Branch Şişli Branch Kartal Branch Trabzon Branch Bursa Branch 53 % Ostim Branch Başkent Branch 47 % İzmir Branch Kayseri Branch 41 Sales Diyarbakır Branch Ege Serbest Bölge Branch Konya Branch Staff Adana Şube Gaziantep Branch Antalya Branch 16 Branches
Slide 8: Financial Results
FINANCIAL RESULTS is LEASING
Slide 9: Financial Results
FINANCIAL RESULTS TL 36.455 TL 101.221 TL 50.316 Million Million Factoring Million Total Assets Receivables Leasing Receivables TL 13.454 USD 1.043 Million Million Shareholders’ Equity Transaction Volume
Slide 10: Consolidated Financial Highlights
Consolidated Financial Highlights TL Million, consolidated 2024 2025 Δ Leasing Receivables 26.660 50.316 89% Factoring Receivables 35.124 36.455 4% Non Performing Receivables 1.078 1.931 79% Provisions (-) 1.405 1.838 31% Total Assets 69.747 101.221 45% Financial Liabilities 57.179 83.404 46% Equity
Slide 11: Unconsolidated Key Figures
Unconsolidated Key Figures FINANCIAL HIGHLIGHTS SECTOR FINANCIAL HIGHLIGHTS İŞ LEASING (Unconsolidated) İş Lease Sector Million TL 2024 2025 Δ Million TL 2024 2025 Δ Share Leasing Receivables 234.106 371.118 58,5% Leasing Receivables 26.660 50.316 88,7% 13,56% Non Performing Receivables 7.348 8.344
Slide 12: NPL
NPL 10,00% Sector NPL % İş Leasing NPL% 9,50% 9,00% 8,50% 8,00% 8,31% 7,50% 7,00% 7,20% 6,50% 6,57% 6,67% 6,00% 6,26% 5,50% 5,77% 5,00% 5,55% 4,50% 4,65% 4,63% 4,76% 4,00% 4,87% 4,07% 3,50% 4,32% 3,90% 3,00% 3,81% 2,71% 3,61% 3,04% 2,50% 2,53% 2,00% 2,20% 1,50% 1,00% 2016 2017 2018 2019 2020 2021 20
Slide 13: Leverage
is LEASING LEVERAGE Leverage at a i : 2021 2023 2024 2025
Slide 14: Industrial & Asset Breakdown
Industrial & Asset Breakdown, % Assets Distribution (%) Sectoral Distribution(%)
Slide 15: Financial Results
FINANCIAL RESULTS Strong relationships with both domestic and international Efficient use banks of capital market instruments Efficient hedging strategy against FX risk Structured Usage of Finance alternative funding channels (Derivatives)
Slide 16: Leasing Sector in Turkey
LEASING SECTOR IN TURKEY is LEASING
Slide 17: Number of Leasing Companies
is LEASING Number of Leasing Companies Number of Leasing Companies TUT 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 18: New Leasing Volume
New Leasing Volume is LEASING Milyon USD ' aa3m 40,66% 3.69% ro r " 7.745 ———l 1,04% r 26,549 -22,59% ee 1,55% 6.365 6.130 6.194 20.80% a 5.506 4.795 5.140 3.990 4.052 3.303 2.558 UI 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 leasing tl Sale & Leaseback
Slide 19: Portfolio Development
is LEASING Portfolio Development Leasing Receivables (Million USD) 11.539 8.658 2018 2020 2021 2022 2023 2024 2025 2019 12.509 2016 2017 Currency Distribution 2017 2018 2019 2020 2021 2022 2024 2025 mFX% mTL%
Slide 20: Portfolio Development
is LEASING Portfolio Development 39% 8.554 7.803 8.658 6.411 6.310 6.420 6.646 E- | | i | | a. 1.996 2019 2020 2021 2022 2023 2024 2025 mmm Lease Receivables (USD) TL ——=TL%
Slide 21: Profitability
is LEASING Profitability Net Profit of Sector 26.219 14.488 17-180 952 917, 1.125«1502 2.042 5-897 Hl || | 2017 2018 2019 2020 2021 2022 2023 2024 2025 Equity & Leverage 6,2 63 62 2016 = 2017 2018 2019 202022021 2022 2023 2024 2025 mm Equity ——Leverage
Slide 22: NPL and Customer Base
NPL Customer Base ‘%12,65 413,18 %12,76 612,20 , %10,65 11,18 %11,37 %10,02 6,3 %9,A3 '%9,00 51,024) 2019 2022 2023 2024 2025 mmSector Total Number Of Customers © —lis Leasing Share Non Performing Loans %8,3 %6,7 %5,8 ad 2017 2018 2019 2022 2023 2024 2025 is LEASING
Slide 23: Sustainability
SUSTAINABILITY is LEASING
Slide 24: Sustainability
SUSTAINABILITY İş Leasing approaches sustainability as a whole, encompassing its economic, environmental, and social aspects, while adhering to all pertinent laws and regulations in its operations. Considering sustainability as an integral part of its way of doing business to leave a more livable wo
Slide 25: Sustainability
SUSTAINABILITY To achieve its sustainable development and green transformation goals, İş Leasing places great importance on understanding the expectations of its various stakeholders and managing this process effectively by strengthening collaborations with national and international organizations.
Slide 26: Investor Relations Unit
Investor Relations Unit [email protected]
Slide 27: Disclaimer Statement
Disclaimer Statement The information in this document has been obtained by İş Finansal Kiralama A.Ş. (“İş Leasing”) from sources believed to be reliable, however, İş Leasing cannot guarantee the accuracy, completeness , or correctness of such information. This document has been issued for informatio
İş Finansal Kiralama A.Ş. (İş Leasing) — FY2025 Earnings Presentation on 6ix