INTEGRATED
ANNUAL REPORT

2025

Our success Comes From Our Strong Financial Structure

By the end of 2025, we increased our total assets by 49%, reaching TL 769 billion. Our extended financing volume reached TL 491 billion , while our market share in the participation banking sector stood at 21%. Our net profit amounted to TL 5.8 billion, and our shareholders' equity reached TL 29 billion.

While the share of participation banking within the overall banking sector reached 9.2%, our Bank-celebrating its 10th anniversary-achieved an 18% share within the participation banking segment.

We have steadfastly maintained our strong financial structure, effective balance sheet management, and sustainable growth approach.

Our Strength Comes from Our Extensive Service Network

With our Head Office located in the Istanbul Financial Center, we serve more than 1.5 million customers through our 225 domestic and 2 overseas branches, supported by 3,140 employees. In 2025, we further strengthened our service network by opening 17 new branches across the country.

We continue our operations with 200 retail, 19 commercial, 6 corporate, and 2 overseas branches In addition, we support our customer oriented service approach through 8 Private Banking Portfolio (Corner) locations.

With our expanding organizational structure and accessibility, we have continued to grow.

Our Digital Success Stems from Our Commitment to Continuous Improvement

The number of our digital customers through our internet banking channel reached 1 million as of the end of 2025, and the number of transactions performed via internet and mobile channels rose to 30.9 million. While the usage rate of digital channels reached 97%, the weight of digital channels in banking transactions increased.

Our internet banking channel and Katilim Mobil application have been renewed, and our channel diversity has been increased through developments in digital branch, open banking services, and ATM infrastructure.

We enhanced our digital channels through targeted investments, improving the overall customer experience.

Our Financial Leasing Performance Stems from Our Innovative Practices

By the end of 2025, we expanded our leasing portfolio, providing stronger support to the needs of the real sector. Through the solutions we offered particularly in the manufacturing, energy, and trade sectors, we facilitated access to financing.

With our participation based leasing models, we provided financing for machinery, equipment, and renewable energy investments. Through our Online Leasing Insurance product, we accelerated quotation and policy processes and offered ease of transactions through digital channels.

Through strategic collaborations and digital integrations, we made our leasing processes more accessible and efficient.

Our Growth in Agricultural Financing Stems from Our Sustainability Oriented Approach

By positioning the agricultural sector as a strategic focus area, we supported farmers through both subsidized and non subsidized agricultural financing solutions. Within this framework, by the end of 2025, our Bank's agricultural financing volume exceeded TL 45 billion, reaching a 9% share within the total financing portfolio.

With our Subsidized (State Supported) Agricultural Financing product, we were honored with the "Islamic Bank of the Year" award under the International Finance Awards 2025. Through the KFK Guaranteed Agricultural Financing product and the solutions offered within the scope of TARSIM, we facilitated producers' access to financing and strengthened their risk management capabilities.