IST:KLNMA Income Statement

Financials in millions TRY. Fiscal year is January - December.

Millions TRY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	10,469	9,667	7,109	3,127	1,374	811.13
Interest Income on Investments	17,231	14,122	9,093	3,415	952.14	410.8
Total Interest Income	27,700	23,790	16,202	6,541	2,326	1,222
Interest Paid on Borrowings	13,660	12,480	8,654	3,489	843.03	479.06
Total Interest Expense	13,660	12,480	8,654	3,489	843.03	479.06
Net Interest Income	14,040	11,310	7,548	3,052	1,483	742.88
Net Interest Income Growth (YoY)	27.58%	49.85%	147.29%	105.80%	99.64%	4.25%
Income From Trading Activities	-5.7	-628.23	2,149	394.57	19.59	-57.54
Gain (Loss) on Sale of Assets	2.2	2.16	70.58	28.04	60.61	123.13
Gain (Loss) on Sale of Investments	-30.89	-	-	-	-	-
Other Non-Interest Income	317.08	511.52	-2,462	-123.16	143.91	140.48
Total Non-Interest Income	282.69	-114.55	-243.12	299.44	224.12	206.06
Non-Interest Income Growth (YoY)	-	-	-	33.61%	8.76%	185.12%
Revenues Before Loan Losses	14,323	11,196	7,305	3,352	1,707	948.94
Provision for Loan Losses	417.06	734.52	492.04	495.23	488.18	165.99
Revenue	13,906	10,461	6,813	2,856	1,219	782.95
Revenue Growth (YoY)	47.82%	53.55%	138.51%	134.32%	55.69%	6.97%
Salaries and Employee Benefits	1,190	866.44	460.42	221.33	98.5	81.35
Selling, General & Administrative	1.78	1.25	1	0.38	0.54	0.92
Other Non-Interest Expense	924.63	885.34	710.31	302	104.94	80.23
Total Non-Interest Expense	2,116	1,753	1,172	523.71	203.98	162.5
EBT Excluding Unusual Items	11,790	8,708	5,641	2,333	1,015	620.45
Pretax Income	11,790	8,708	5,641	2,333	1,015	620.45
Income Tax Expense	3,551	2,533	1,598	632.31	198.56	118.87
Net Income	8,239	6,176	4,043	1,700	816.47	501.58
Net Income to Common	8,239	6,176	4,043	1,700	816.47	501.58
Net Income Growth	50.09%	52.76%	137.75%	108.26%	62.78%	12.18%
Basic Shares Outstanding	6,788	4,508	2,500	2,005	2,041	993
Diluted Shares Outstanding	6,788	4,508	2,500	2,005	2,041	993
Shares Change (YoY)	23.41%	80.33%	24.66%	-1.75%	105.63%	-6.75%
EPS (Basic)	1.21	1.37	1.62	0.85	0.40	0.51
EPS (Diluted)	1.21	1.37	1.62	0.85	0.40	0.51
EPS Growth	21.62%	-15.29%	90.72%	111.97%	-20.84%	20.31%
Effective Tax Rate	30.12%	29.08%	28.33%	27.11%	19.56%	19.16%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.