Introduction A&T Finansal Kiralama A.Ş. Annual Report 2024 12 13 Esteemed shareholders, As A&T Finansal Kiralama A.Ş., we continued to demonstrate stable and sustainable growth in 2024. During 2024, as in the previous year, we have seen increasing political and economic tensionsworldwide. The effects are reflected in increasingly restrictive trade policies, government subsidies, mistrust even among allies, and the resurgence of real conflict. Türkiye has not been immune to these global pressures, facing persistent economic challenges, including high inflation, currency depreciation, and elevated interest rates. While policymakers have taken steps to stabilise financial markets and rebuild investor confidence, businesses and consumers continue to navigate uncertainty. Despite these headwinds, certain sectors have demonstrated resilience, and ongoing reforms aim to lay the foundation for long-term stability and growth. A%T Finansal Kiralama A.Ş.’s strategy has delivered improved financial performance and increased profit. In 2024, We continued to demonstrate stable and sustainable growth. Our profits achieved 24.400 million Turkish Lira, reflecting a 25% increase from the previous year. Business volume expanded by 60% and reached TL 1,004 billion, while total receivables grew and reached TL 1,600 billion, making a 16% increase. Assets also increased, reaching TL 1,716 billion. Notably, our non-performing loans (NPL) ratio has remained near zero for the past three years, with an NPL ratio stood at 0.05% in 2024. This reflects the strength of our risk management approach and the resilience of our credit portfolio. As we move into 2025, I am confident that there are opportunities ahead for us and our customers to help us sustain our strong performance. We aim to create long-termvalue for our shareholders and capture opportunities. I would like to end by reiterating my thanks tomy colleagues and the Board of Directors for all that they have done and all that they continue to do for A&T Finansal Kiralama A.Ş.. Their tireless efforts are reflected by our improved financial performance and increased returns for shareholders in 2024, and I look forward to them securing the foundations for our future successes. Yours sincerely, Moataz TAMER General Manager & Board Member The results in 2024 reinforce the hard work of the last three years and the inherent strength of our balance sheet and commitment to financial stability and responsible growth, ensuring continued success in Türkiye’s leasing sector. GENERAL MANAGER STATEMENT 25% Profitability Increase 60% Business Volume Increase
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