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Akbank (AKBNK) investor relations material
Akbank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for H1 2025 rose 3% year-over-year to TL 24,852 million, with ROE at 20.1%–20.3% and ROA at 1.8%–1.9%.
Revenue increased 39% year-over-year, driven by strong fee income, digital expansion, and disciplined cost management.
Active customer base expanded 73% since 2021, reaching 14.7 million, with digital penetration at 87%.
Strong capital and liquidity positions maintained, with CAR at 17.4%–20.32% and leverage ratio at 5.89%.
Significant events included a USD 500 million Tier 2 note issuance, covered bond issuance, and major NPL sale.
Financial highlights
Net fees and commissions income grew 60% year-over-year, reaching TL 48,468–51,219 million.
Operating expenses rose 35% year-over-year, with cost/income ratio at 54.5%.
NPL ratio at 3.4%–3.6%, with Stage 2+3 loans at 8.7% and coverage at 32.7%.
Total deposits reached TL 1,804–1,890 billion, and total assets TL 2,818–2,984 billion.
Earnings per share for H1 2025 was TL 0.04779.
Outlook and guidance
2025 guidance: TL loan growth above 30%, FX loan growth mid-single digits, and ROE above 25%.
Swap-adjusted NIM guidance revised to 3–3.5%, with margin recovery expected from 3Q25.
Fee income growth guidance revised up to 60% for the full year.
Net cost of credit expected at 150–200 bps for the full year.
NPL ratio expected to remain around 3.5%.
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