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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.
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Q2 2025 earnings summary29 Jul, 2025

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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Frequently asked questions

Akbank T.A.S. is a Turkish bank offering a broad range of banking products and services not only domestically but also internationally. Its operations encompass retail, commercial, corporate, private banking, and international trade finance services. The bank's comprehensive service portfolio includes deposit accounts, retail and commercial loans, credit cards, insurance products, asset management services, and investment banking, among others. The company is headquartered in Istanbul, Turkey, and its shares are listed on the Istanbul Stock Exchange.

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