Is Finansal Kiralama A.s. · BIST:ISFIN
Is Finansal Kiralama A.s — Q3 2025 Earnings Presentation
27 slides from Is Finansal Kiralama A.s's earnings presentation, September 2025
Slide 1: Investor Presentation September 2025
INVESTOR PRESENTATION SEPTEMBER 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 With a new transaction volume of USD 711 million and a market share of 13,28 %, İş Leasing maintained its strong position in the sector. With leasing receivables reaching TL 42,7 billion, the market share in terms of receivables is 12,99%. Total consolidated equity is TL 12,5 billio
Slide 6: Company Overview: Ownership, Rating and Share Performance
Company Overview Rating İş Leasing TİBAŞ TSKB Fitch Long-Term Foreing BB- BB- B+ Currency SAHA 9,30 - 9,67 Türkiye İş Bankası A.Ş. 39,2% Where to sell Türkiye Sınai Kalkınma Bankası 0,9% A.Ş. 30,4% Trading Volume Price Trakya Yatırım Marketing 40.000.000 25 29,5% Holding A.Ş. Strategy 35.000.000 30.
Slide 7: Company Overview: Branches
Company Overview 146 Avcılar Branch Kozyatağı Branch Şişli Branch Kartal Branch Trabzon Branch Bursa Branch 53 % Ostim Branch Başkent Branch 47 % İzmir Branch Kayseri Branch 40 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 40.139 TL 98.139 TL 42.703 Million Million Factoring Total Assets Million Receivables Leasing Receivables TL 12.471 USD 711 Million Million Shareholders’ Equity Transaction Volume
Slide 10: Consolidated Financial Highlights
Consolidated Financial Highlights TL Million, consolidated 09.2024 2024 09.2025 Δ Leasing Receivables, Net 24.723 26.660 42.703 60% Factoring Receivables, Net 19.243 35.124 40.139 14% Non Performing Receivables 1.023 1.078 1.719 59% Provisions (-) 1.301 1.405 1.957 39% Total Assets 52.521 69.747 98.
Slide 11: Unconsolidated Key Figures
Unconsolidated Key Figures FINANCIAL HIGHLIGHTS SECTOR FINANCIAL HIGHLIGHTS İŞ LEASING (SOLO) İş Leasing Sector Million TL 09.2024 2024 09.2025 Δ Million TL 09.2024 2024 09.2025 Δ Share Leasing Receivables 222.112 234.106 328.661 40,4% Leasing Receivables 24.723 26.660 42.703 60,2% 12,99% Non Perfor
Slide 12: NPL
iS LEASING NPL “Sector NPL% —is Leasing NPL% 10,00% 950% 3.00% 3.50% 5.00% 31% 750% 7,00% 7.20% 650% A 657% berm 6,00% 626% 5,50% 577% 5,00% 450% 4,05% 463% es car BE 4.00% 350K 432% 3.00%, 3,03% 381% 3.63% ~ 3.00% 3.61% 212% 3.04% 2.48% —__ 2,50% 2,00% 2016 2017 2018 2019 2020 2021, 2022 2023 2024
Slide 13: Leverage
is LEASING LEVERAGE 2021 2022 2025/09
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 Li 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/09
Slide 18: New Leasing Volume
New Leasing Volume is LEASING Milyon USD -3,69% | 1,049 6.365 « 713% 6.130 6.194 22,59% E pm 2888% 20.80% 155% 5.506 5.140 4.795 -A6,66% r 298% 3.969 4.052 3.303 2.558 2.078 1761 | ~ rT 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 = Q1/2025 2/2025 93/2025 Hileasing tM Sale & Lease Back
Slide 19: Portfolio Development
Portfolio Development Leasing Receivables (Million USD) 13.786 12.509 11.539 8.202 7.803 7.920 6.411 6.310 6.420 6.646 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/09 Currency Distribution 90% 80% 77% 77% 77% 70% 75% 75% 72% 70% 66% 67% 60% 61% 50% 40% 39% 30% 30% 34% 33% 28% 20% 25% 25% 23% 23
Slide 20: Portfolio Development
is LEASING Portfolio Development 39% 7.920 6.411 6.310 6.420 6.646 2019 2021 2022 2023 2024 2025/09 (mm Lease Receivables (USD) TL mmm TL %
Slide 21: Profitability
Profitability Net Profit of Sector 17.180 19-007 (Million TL) 14.488 5.897 923 952 917 1.125 1.502 2.042 — ee 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/09 Equity & Leverage 6,2 6,3 6,2 2016 «= 2017,-—=s« 2018 = 2019S 2020-2021. =S 2022S 2023) 2024 +=. 2025/09 mmm Equity ——Leverage is LEASING
Slide 22: NPL
NPL Customer Base 12,65 13,18 112,76 410,65 %11,18 %612,20 %11,37 %10,02 " %9,43 8,9 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/09 mmSektér Miisteri Adedi ~=—is Leasing Pazar Pay Non Performing Loans %8,3 4.096) 2025/09 2020 2021 2022 MMENPL (Million TL) —NPL(96) 2017 2019 is LEASING KS
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 yatirimciiliskileri@isleasing.com.tr
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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