Is Finansal Kiralama A.S. · BIST:ISFIN
Is Finansal Kiralama A.S — Q1 2026 Earnings Presentation
27 slides from Is Finansal Kiralama A.S's earnings presentation, March 2026
Slide 1: Investor Presentation March 2026
INVESTOR PRESENTATION MARCH 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 March 31, 2026, with a new transaction volume of USD 177 million and a market share of 7,80 %, İş Leasing maintained its strong position in the sector. TL 52,0 billion in leasing receivables, it holds a 12.83% market share based on receivables. Total consolidated equity is TL
Slide 6: Company Overview: Ratings, Shareholders, Indices
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: Branches
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 40.307 TL 106.650 TL 51.983 Million Million Factoring Million Total Assets Receivables Leasing Receivables TL 14.521 USD 177 Million Million Shareholders’ Equity Transaction Volume
Slide 10: Consolidated Financial Highlights
Consolidated Financial Highlights TL Million, consolidated 03.2025 2025 03.2026 Δ Leasing Receivables 30.416 50.316 51.983 3% Factoring Receivables 32.016 36.455 40.307 11% Non Performing Receivables 1.602 1.931 1.907 -1% Provisions (-) 1.744 1.838 1.995 8% Total Assets 70.609 101.221 106.650 5% Fin
Slide 11: Unconsolidated Key Figures
Unconsolidated Key Figures FINANCIAL HIGHLIGHTS SECTOR FINANCIAL HIGHLIGHTS İŞ LEASING (Unconsolidated) İş Leasing Sector Million TL 03.2025 2025 03.2026 Δ Million TL 03.2025 2025 03.2026 Δ Share Leasing Receivables 256.197 371.118 405.152 9,2% Leasing Receivables 30.416 50.316 51.983 3,3% 12,83% No
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% 3,81% 3,00% 3,61% 2,71% 3,04% 2,60% 2,50% 2,53% 2,00% 2,03% 2,20% 1,50% 1,00% 2016 2017 2018 2019
Slide 13: Leverage
LEVERAGE 7,4 7,7 7,1 7,7 6,4 5,3 5,0 2020 2021 2022 2023 2024 2025 2026/03
Slide 14: Industrial & Asset Breakdown
Industrial & Asset Breakdown, % Assets Distribution (%) Sectoral Distribution(%)
Slide 15: Financial Results: Funding
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 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/03
Slide 18: New Leasing Volume
New Leasing Volume is LEASING Million USD rc— 40,66% 7.745 -3,69% | el a, 1,045 6.365 6.194 Biel 59% r aseax , —_— om r rosox Toy 5.506 4.795 _4666% 9 ue 1% 5.140 3.990 4.052 3.303 . ai = 2015 2016 2017 2018 2021 2022 2023 2024 2025 2026/03 HiLeasing tM Sale & Leaseback
Slide 19: Portfolio Development
is LEASING Portfolio Development Leasing Receivables (Million USD) 12.509 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/03
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% 10.000 8.554 8.658 9.128 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 2.118 5% 1.772 0 0% 2019 2020 2021 2022 2023 2024 2025 2026/03 Lease Receivables (USD) TL
Slide 21: Profitability
Profitability Net Profit of Sector (Million TL) 26.219 17.180 14.488 7.691 5.897 952 917 1.125 1.502 2.042 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026/03 Equity & Leverage 6,2 6,3 6,2 120.000 5,7 5,6 4,5 6 100.000 4,6 4,7 4,5 4,4 5 80.000 4 60.000 3 40.000 2 20.000 1 14.575 22.640 41.065 61.85
Slide 22: Profitability: Customer Base and NPL
Profitability Customer Base %13,18 %12,76 %1L18 %11,37 %10,65 %9,00 %8,75 2022 2019 2020 2021 2023 2024 2025 2026/03 mmSector Total Number Of Customers | —is Leasing Share Non Performing Loans 48,3 %6,7 %5,8 4,1 %2,0 2019 2020 2021 MEENPL (Million TL) 2022 —NPL(%) 2023 2024 2025 2026/03 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
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