Is Finansal Kiralama A.s. · BIST:ISFIN
Is Finansal Kiralama A.s — Q2 2025 Earnings Presentation
27 slides from Is Finansal Kiralama A.s's earnings presentation, June 2025
Slide 1: Investor Presentation June 2025
INVESTOR PRESENTATION JUNE 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 435 million and a market share of 13,85 %, İş Leasing maintained its strong position in the sector. With leasing receivables reaching TL 37,5 billion, the market share in terms of receivables is 12,69%. Total consolidated equity is TL 10,9 billio
Slide 6: Company Overview
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% Trakya Yatırım Marketing Trading Volume Price 29,5% Holding A.Ş. Strategy 12.000.000 18 10.000.000 16
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 39 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 40.253 TL 88.149 Million Million TL 37.488 Factoring Total Assets Million Receivables Leasing Receivables TL 10.947 USD 435 Million Million Shareholders’ Equity Transaction Volume
Slide 10: Consolidated Financial Highlights
Consolidated Financial Highlights TL Million, consolidated 06.2024 2024 06.2025 Δ Leasing Receivables, Net 23.426 26.660 37.488 41% Factoring Receivables, Net 21.688 35.124 40.253 15% Non Performing Receivables 1.072 1.078 1.885 75% Provisions (-) 1.220 1.405 1.911 36% Total Assets 53.469 69.747 88.
Slide 11: Unconsolidated Key Figures
Unconsolidated Key Figures FINANCIAL HIGHLIGHTS SECTOR FINANCIAL HIGHLIGHTS İŞ LEASING (SOLO) İş Leasing Sector Million TL 06.2024 2024 06.2025 Δ Million TL 06.2024 2024 06.2025 Δ Share Leasing Receivables 203.336 234.106 295.343 26,2% Leasing Receivables 22.851 26.660 37.488 40,6% 12,69% Non Perfor
Slide 12: NPL
is LEASING Kg NPL sector NPL% 10,00% 9.50% 9.00% 850% 8.00% 331% 7.50% 700% 7.20% 6,50% “A 657% isi) 6,00% 6.26% 5,50% 577% 555% 5,00% 450% 465% 463% iat aa) 4,00% 430% 2,63% 3,50% 3,00% 248% 2,50% < 2,00% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/03, 2025/08
Slide 13: Leverage
LEVERAGE 7,7 7,4 6,4 6,7 5,3 5,0 2020 2021 2022 2023 2024 2025/06
Slide 14: Industrial & Asset Breakdown
Industrial & Asset Breakdown, % Assets Distribution (%) Sectoral Distribution(%) 35% 30% 2024 Q2/2025 21% 18% 12% 9% 10% 9% 6% 6% 6% 6% 7% 4% 4% 3% 3% 4% 3% 3% 2% 1% TEXTILE CONSTRUCTION METAL INDUSTRY TRANSPORTATION MINING REAL ESTATE FORESTRY FOOD AND ENERGY RUBBER, PLASTIC OTHER PRODUCTS AND BEVE
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
Number of Leasing Companies Number of Leasing Companies 26 25 24 23 22 22 21 21 19 20 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/06
Slide 18: New Leasing Volume
New Leasing Volume Million USD -3,69% 1,04% 6.365 6.194 -22,59% 7,13% 6.130 26,84% 1,55% 5.506 24% 18% 20,80% 24% 4.795 5.140 -46,66% 23% 29,14% 3.990 19% 18% 4.052 3.303 19% 16% 2.558 20% 28% 1.761 1.454 21% 29% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1/2025 Q2/2025 Leasing Sale& Lease B
Slide 19: Portfolio Development
Portfolio Development Leasing Receivables (Million USD) 13.786 12.509 11.539 8.202 7.803 7.431 6.411 6.310 6.420 6.646 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/06 Currency Distribution 90% 80% 77% 77% 70% 75% 75% 72% 75% 70% 66% 67% 60% 61% 50% 40% 39% 30% 30% 34% 33% 28% 20% 25% 25% 23% 23
Slide 20: Portfolio Development
Portfolio Development 30.000 45% 39% 40% 25.000 34% 33% 35% 30% 20.000 28% 30% 25% 24% 25% 15.000 20% 10.000 8.554 15% 7.803 7.431 6.411 6.310 6.420 6.646 10% 5.000 2.053 2.349 2.120 2.531 2.177 1.875 5% 1.772 0 0% 2019 2020 2021 2022 2023 2024 2025/06 Lease Receivables (USD) TL TL %
Slide 21: Profitability
Profitability Net Profit of Sector (Million TL) 17.180 14.488 12.658 5.897 923 952 917 1.125 1.502 2.042 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025/06 Equity & Leverage 6,2 6,3 6,2 90.000 5,7 5,6 80.000 5,2 6 4,6 4,7 70.000 4,4 5 60.000 4,4 4 50.000 40.000 3 30.000 2 20.000 1 10.000 10.376 12
Slide 22: NPL
NPL Non Performing Loans %8,3 6.5 00 %7,2 %6,7 %8,5 %8,5 %8,4 %8,4 %8,3 %8,3 %4,1 %8,2 %8,2 %8,1 %6,3 %5,8 %8,1 %8,0 %8,0 %7,9 %7,9 %7,8 %7,8 %7,7 %7,7 %7,6 %7,6 %7,5 %7,5 %7,4 %7,4 %7,3 %5,5 %7,3 %7,2 %7,2 5.5 00 %7,1 %7,1 %7,0 %7,0 %6,9 %6,9 %6,8 %6,8 %6,7 %6,7 %6,6 %6,6 %6,5 %6,5 %6,4 %6,4 %6,3 %
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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