Is Finansal Kiralama A.S. · BIST:ISFIN
Is Finansal Kiralama A.S — Q2 2026 Earnings Presentation
27 slides from Is Finansal Kiralama A.S's earnings presentation, June 2026
Slide 1: Investor Presentation June 2026
INVESTOR PRESENTATION JUNE 2026
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 June 30, 2026, with a new transaction volume of USD 441 million and a market share of 9,14 %, İş Leasing maintained its strong position in the sector. TL 57,2 billion in leasing receivables, it holds a 12.43% market share based on receivables. Total consolidated equity is TL 1
Slide 6: Company Overview
Company Overview Rating İş Leasing TİBAŞ TSKB Fitch Long-Term Foreing BB- BB- B+ Currency Türkiye İş SAHA 9,30 - 9,67 Bankası A.Ş. 39,1% Where to sell Türkiye Sınai Kalkınma Bankası A.Ş. 0,9% Trakya Yatırım 30,5% Marketing Holding A.Ş. 29,5% Strategy Other 78,23% TRADED INDICES BIST – ALL SHARES BIS
Slide 7: Company Overview
Company Overview 149 Avcılar Branch Kozyatağı Branch Şişli Branch Kartal Branch Trabzon Branch Bursa Branch 52 % Ostim Branch Başkent Branch 48 % İzmir Branch Kayseri Branch 43 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 50.728 TL 124.490 TL 57.230 Million Million Factoring Million Total Assets Receivables Leasing Receivables TL 15.438 USD 441 Million Million Shareholders’ Equity Transaction Volume
Slide 10: Consolidated Financial Highlights
Consolidated Financial Highlights TL Million, consolidated 06.2025 2025 06.2026 Δ Leasing Receivables 37.488 50.316 57.230 14% Factoring Receivables 40.253 36.455 50.728 39% Non Performing Receivables 1.885 1.931 2.304 19% Provisions (-) 1.911 1.838 2.138 16% Total Assets 88.149 101.221 124.490 23%
Slide 11: Unconsolidated Key Figures
Unconsolidated Key Figures FINANCIAL HIGHLIGHTS SECTOR FINANCIAL HIGHLIGHTS İŞ LEASING (Unconsolidated) İş Leasing Sector Million TL 06.2025 2025 06.2026 Δ Million TL 06.2025 2025 06.2026 Δ Share Leasing Receivables 295.343 371.118 460.384 24,1% Leasing Receivables 37.488 50.316 57.230 13,7% 12,43%
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% 6,50% 7,20% 6,00% 6,57% 6,67% 6,26% 5,50% 5,77% 5,00% 5,55% 4,50% 4,65% 4,63% 4,76% 4,87% 4,00% 4,07% 3,50% 4,32% 3,90% 3,00% 3,81% 2,71% 3,61% 3,04% 3,00% 2,50% 2,53% 2,00% 1,50% 2,20% 1,92% 1,00% 0,50% 0,00% 2016 201
Slide 13: Leverage
is LEASING LEVERAGE Leverage A a : ’ r ; T ; ; ; ; 2020 2021 2022 2023 2024 2025 2026/06
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 TTT 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/06
Slide 18: New Leasing Volume
is LEASING New Leasing Volume Million USD — 40,600 7.748, 3.69% ce Tose foo ——el 73% 6.365 6.130 6.194 22.59% re el 26.84% 5.506 ——o f 2080% 5.140 4795 se6e%s 294% P455% aa | 3.990 4,052 3.303, ' 7 ‘ 2015 2016 2017 2018 2019 2020 2021, 2022 2023 2024 2025 2026/03 leasing _— bi Sale & Leaseback 2.547
Slide 19: Portfolio Development
is LEASING Portfolio Development Leasing Receivables (Million USD) 2019 2020-2021 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/06 mFX% mTL%
Slide 20: Portfolio Development
Portfolio Development 30.000 45% 39% 40% 25.000 34% 33% 35% 30% 20.000 28% 30% 24% 23% 23% 25% 15.000 20% 9.889 10.000 8.554 8.658 15% 7.803 6.411 6.310 6.420 6.646 10% 5.000 2.053 2.349 2.120 2.531 2.177 1.996 2.306 1.772 5% 0 0% 2019 2020 2021 2022 2023 2024 2025 2026/06 Lease Receivables (USD) TL
Slide 21: Profitability
Profitability Net Profit of Sector (Million TL) 26.219 17.180 15.867 14.488 5.897 7.691 952 917 1.125 1.502 2.042 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/03 2026/06 Equity & Leverage 6,2 6,3 6,2 120.000 5,7 5,6 6 100.000 4,6 4,7 4,5 4,7 4,4 5 80.000 4 60.000 3 40.000 2 20.000 1 22.640 41.0
Slide 22: Profitability
Profitability %12,65 %13,18 %12,20 412,76 %10,65 %11,18 LT 9, B %9,00 r 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/06 mmSector Total Number Of Customers © —is Leasing Share Non Performing Loans %8,3 10.000 %6,7 bade ie 8.000 6.000 4.000 %1,9 2.000 2017 2018 2019 2020 2021 2022 2023 2024 2025
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
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