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TÜRKİYE İŞ BANKASI A.Ş.

Investor Presentation • Feb 12, 2025

Investor Presentation

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İşbank 2025 Year-End Expectations
TL Loan Growth	~35%
Net Interest Margin (Swap adjusted)	+450 bps expansion
Net Fees & Commissions Growth	~50%
OPEX Growth	Avg. CPI
NPL Ratio	~3%
Net Cost of Risk	~200 bps
Capital Adequacy Ratio (w/o forbearance)	>15%
Return on Average Equity	~30%