ISBTR FINANCIAL STATEMENTS

Türkiye Is Bankasi A.S. — balance sheet, income statement and cash flow trends

ISBTRTürkiye Is Bankasi A.S.

🇹🇷 Turkey · IS · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue310.8 K ₺+76.6%

Gross Profit310.8 K ₺+76.6%

Operating Income36.7 K ₺—

EBITDA36.7 K ₺—

Net Income87.4 K ₺+71.8%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
ISBTR	—	—	—	28.1%
MYFW	—	—	—	8.0%
FSBW	—	—	—	15.0%
FVCB	—	—	—	19.0%
JMSB	—	—	—	19.3%
CZFS	—	—	—	22.5%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity487.9 K ₺100%

Key Figures

YoY change

Total Assets5.7 M ₺+34.2%

Total Liabilities5.2 M ₺+34.8%

Total Equity487.9 K ₺+28.8%

Cash & ST Investments1 M ₺+29.4%

Total Debt0 ₺—

Net Debt——

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ISBTR	—	0.0%	-28.33	8.5%
MYFW	0.11	34.7%	-9.28	8.4%
FSBW	13.98	70.9%	3.80	9.8%
FVCB	3.28	11.7%	0.69	11.1%
JMSB	0.12	31.9%	-4.56	11.4%
CZFS	0.06	57.8%	1.32	11.4%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
TSKB	—	0.0%	-0.47	13.4%
SKBNK	—	0.0%	-13.41	5.9%
ISATR	—	0.0%	-28.34	8.5%
KLNMA	—	0.0%	-0.00	17.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow87.4 K ₺+71.8%

Capital Expenditures-97.7 K ₺—

Free Cash Flow-10.3 K ₺-129.3%

Dividends Paid——

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ISBTR	28.1%	-3.3%	31.4%	100.0%
MYFW	2.9%	1.0%	1.9%	35.8%
FSBW	33.0%	23.8%	9.2%	219.7%
FVCB	21.3%	21.2%	0.0%	112.0%
JMSB	20.7%	20.5%	0.2%	107.2%
CZFS	25.0%	25.2%	1.0%	110.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
SKBNK	14.2%	31.2%	17.0%	100.0%
ISATR	28.1%	-3.3%	31.4%	100.0%
KLNMA	58.1%	57.8%	0.3%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 3, 26. This content is for informational purposes only and is not investment advice.