IST:KTLEV 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
Total Interest Expense	248.39	218.09	25.49	13.52	6.79	4.93
Net Interest Income	-248.39	-218.09	-25.49	-13.52	-6.79	-4.93
Commissions and Fees	11,453	4,965	1,348	461.86	186.17	91.49
Other Revenue	153.88	153.88	-	-	-	-
Revenue Before Loan Losses	11,359	4,900	1,322	448.34	179.38	86.56
Revenue	11,359	4,900	1,322	448.34	179.38	86.56
Revenue Growth (YoY)	240.56%	270.63%	194.91%	149.94%	107.23%	-
Salaries & Employee Benefits	2,310	1,260	369.48	134.85	68.75	31.79
Cost of Services Provided	1,593	857.12	235.1	172.59	80.68	53.88
Other Operating Expenses	-1,348	-317.88	-271.99	-4.48	-7.97	-0.53
Total Operating Expenses	2,555	1,799	332.58	302.96	141.46	85.14
Operating Income	8,804	3,101	989.58	145.38	37.92	1.42
Currency Exchange Gain (Loss)	-292.25	-220.93	0.18	0.35	0.84	1.02
EBT Excluding Unusual Items	9,020	3,079	1,005	147.07	38.88	2.59
Other Unusual Items	-4.42	-4.42	0.46	0.26	-1.95	-
Pretax Income	9,015	3,075	1,006	147.33	36.93	2.59
Income Tax Expense	2,658	854.93	255.66	31.81	9.74	0.99
Earnings From Continuing Ops.	6,357	2,220	750.18	115.53	27.2	1.6
Minority Interest in Earnings	-102.92	-60.28	-	-	-	-
Net Income	6,254	2,160	750.18	115.53	27.2	1.6
Net Income to Common	6,254	2,160	750.18	115.53	27.2	1.6
Net Income Growth	284.01%	187.91%	549.37%	324.78%	1597.65%	-
Shares Outstanding (Basic)	2,072	2,070	2,070	1,724	-	-
Shares Outstanding (Diluted)	2,072	2,070	2,070	1,724	-	-
Shares Change (YoY)	0.07%	-0.01%	20.05%	-	-	-
EPS (Basic)	3.02	1.04	0.36	0.07	-	-
EPS (Diluted)	3.02	1.04	0.36	0.07	-	-
EPS Growth	283.75%	187.94%	440.90%	-	-	-
Free Cash Flow	5,008	5,900	494.62	94.3	-5.66	-3.8
Free Cash Flow Per Share	2.42	2.85	0.24	0.06	-	-
Dividend Per Share	0.096	0.096	0.142	-	-	-
Dividend Growth	-32.70%	-32.70%	-	-	-	-
Operating Margin	77.51%	63.28%	74.84%	32.43%	21.14%	1.64%
Profit Margin	55.06%	44.08%	56.74%	25.77%	15.16%	1.85%
Free Cash Flow Margin	44.09%	120.40%	37.41%	21.03%	-3.15%	-4.39%
Effective Tax Rate	29.49%	27.80%	25.42%	21.59%	26.36%	38.19%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.