IST:QNBFK Income Statement

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

Millions TRY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	7,312	6,846	5,437	3,204	1,460	863.85
Total Interest Expense	3,504	3,335	3,207	2,140	1,038	600.26
Net Interest Income	3,808	3,511	2,229	1,064	422.84	263.59
Revenue Before Loan Losses	3,808	3,511	2,229	1,064	422.84	263.59
Provision for Loan Losses	648.18	713.34	356.41	282.76	251.99	266.08
Revenue	3,160	2,798	1,873	781.61	170.86	-2.49
Revenue Growth (YoY)	41.88%	49.38%	139.63%	357.47%	-	-
Salaries & Employee Benefits	580.8	527.95	339.95	187.14	80.27	42.94
Cost of Services Provided	142.89	133.82	105.81	68.43	34.43	19.61
Other Operating Expenses	-143.96	-176.71	-103.52	-229.89	-310.06	-185.64
Total Operating Expenses	579.73	485.07	342.23	25.67	-195.36	-123.09
Operating Income	2,580	2,313	1,531	755.94	366.22	120.6
Currency Exchange Gain (Loss)	292.93	307.51	113.17	375.65	141.85	157.42
EBT Excluding Unusual Items	2,868	2,620	1,644	1,132	508.07	278.02
Pretax Income	2,868	2,620	1,644	1,132	508.07	278.02
Income Tax Expense	855.58	791.37	438.76	307.21	106.52	76.49
Net Income	2,012	1,829	1,205	824.38	401.55	201.54
Net Income to Common	2,012	1,829	1,205	824.38	401.55	201.54
Net Income Growth	41.56%	51.76%	46.19%	105.30%	99.25%	43.27%
Shares Outstanding (Basic)	2,000	2,000	1,071	1,000	1,000	1,000
Shares Outstanding (Diluted)	2,000	2,000	1,071	1,000	1,000	1,000
Shares Change (YoY)	51.40%	86.73%	7.10%	-	-	-
EPS (Basic)	1.01	0.91	1.13	0.82	0.40	0.20
EPS (Diluted)	1.01	0.91	1.13	0.82	0.40	0.20
EPS Growth	-6.49%	-18.73%	36.50%	105.30%	99.25%	43.27%
Free Cash Flow	-	-11,049	-2,711	-787.5	-2,007	-455.19
Free Cash Flow Per Share	-	-5.52	-2.53	-0.79	-2.01	-0.46
Operating Margin	81.65%	82.66%	81.73%	96.72%	214.34%	-
Profit Margin	63.68%	65.37%	64.34%	105.47%	235.03%	-
Free Cash Flow Margin	-	-394.90%	-144.75%	-100.75%	-1174.78%	-
Effective Tax Rate	29.84%	30.20%	26.69%	27.15%	20.96%	27.51%
Revenue as Reported	6,703	6,703	5,323	3,168	1,452	855.63

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