IST:SEKFK 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 and Dividend Income	449.39	387.56	215.73	166.26	68.42	63.95
Total Interest Expense	863.29	672.6	319.25	176.5	108.47	67.73
Net Interest Income	-413.91	-285.04	-103.52	-10.24	-40.05	-3.77
Other Revenue	1,052	706.65	324.05	200.21	45.65	35.71
Revenue Before Loan Losses	638.52	421.61	220.52	189.97	5.6	31.93
Provision for Loan Losses	6.74	2.58	0.04	79.25	19.44	28.52
Revenue	631.79	419.03	220.48	110.72	-13.85	3.42
Revenue Growth (YoY)	101.49%	90.05%	99.14%	-	-	-
Salaries & Employee Benefits	96.17	76.19	42.08	17.87	12.63	9.92
Cost of Services Provided	245.63	186.97	113.42	52.2	48.34	48.21
Other Operating Expenses	180.05	100.96	110.41	16.25	-15.45	-7.97
Total Operating Expenses	521.84	364.12	265.91	86.33	45.53	50.15
Operating Income	109.95	54.91	-45.43	24.39	-59.37	-46.74
Currency Exchange Gain (Loss)	19.34	32.34	119.17	62.87	72.01	27.94
EBT Excluding Unusual Items	174.57	121.07	82.99	89.6	14.99	-17.43
Pretax Income	248.26	194.91	107.44	100.18	55.19	18.14
Income Tax Expense	30.68	34	-83.99	-2.47	7.17	4.57
Earnings From Continuing Ops.	217.58	160.91	191.43	102.65	48.03	13.57
Minority Interest in Earnings	-	-	-	-0.3	-0.14	-0.11
Net Income	217.58	160.91	191.43	102.35	47.89	13.46
Net Income to Common	217.58	160.91	191.43	102.35	47.89	13.46
Net Income Growth	35.21%	-15.94%	87.03%	113.71%	255.79%	-
Shares Outstanding (Basic)	100	100	100	100	100	100
Shares Outstanding (Diluted)	100	100	100	100	100	100
Shares Change (YoY)	0.00%	-	-	-	-	-
EPS (Basic)	2.18	1.61	1.91	1.02	0.48	0.13
EPS (Diluted)	2.18	1.61	1.91	1.02	0.48	0.13
EPS Growth	35.21%	-15.95%	87.03%	113.71%	256.08%	-
Free Cash Flow	41.36	72.98	150.39	99.47	60.02	-36.89
Free Cash Flow Per Share	0.41	0.73	1.50	0.99	0.60	-0.37
Dividend Per Share	-	-	0.150	0.099	-	-
Dividend Growth	-	-	52.28%	-	-	-
Operating Margin	17.40%	13.10%	-20.60%	22.03%	-	-1368.61%
Profit Margin	34.44%	38.40%	86.82%	92.44%	-	394.17%
Free Cash Flow Margin	6.55%	17.42%	68.21%	89.84%	-	-1080.35%
Effective Tax Rate	12.36%	17.45%	-	-	12.98%	25.19%
Revenue as Reported	1,502	1,094	539.78	366.47	114.07	99.66

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