Türkiye Is Bankasi (ISCTR) Corporate presentation summary

Macro and sector conditions

• GDP growth was 3.5% in 2025, 2.6% in 2026 Q1 and 2.3% in Q2; CPI inflation eased to 29.77% in Oct. 2026 from 64.77% in 2023.

• At 30 Sep. 2026, banking-sector capital adequacy was 16.7%, NPL ratio 3.1% and ROE 25.5%.

Franchise and digital reach

• 9M market shares were 10.3% in sector assets, 10.3% in loans and 11.7% in deposits; private-sector-bank shares were 20.2%, 20.2% and 22.4%, respectively.

• Nationwide presence included 990 branches and 7,255 ATMs; international operations spanned 11 countries, with 22 foreign branches and 3 fully owned bank subsidiaries.

• İşCep had 16.1mn customers; 97% of transactions used non-branch channels, and 88.8% of TL time deposits and 94.2% of GPLs were transacted digitally.

Balance sheet and funding

• Q3 2026 total assets were TL 5,299bn, up 14.6% YtD; loans were TL 2,720bn, up 18.0%, and deposits TL 3,547bn, up 14.5%.

• Loans were 51.3% of assets; the loan book comprised 36.5% retail and 63.5% commercial, corporate and SME loans.

• Q3 deposits were 56.1% TL and 43.9% FX; demand deposits totaled TL 1,519bn, up 14.6% YtD.

• FX wholesale funding included USD 5.4bn of long-term and USD 4.3bn of short-term liabilities; FX LCR was 291% and sustainable funding was 46% of FX wholesale funding.