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Akbank (AKBNK) investor relations material
Akbank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income rose 17% year-on-year to TL 38.9 billion for the first nine months of 2025, with ROE at 20.4% and ROA at 1.8%.
Revenue grew 48% year-on-year to TL 155,970 million, driven by robust fee generation and renewed NII momentum.
Maintained strong capital adequacy, with CAR at 17.2%-19.3% and Tier 1 at 13.6%.
Operational efficiency improved, with a fee/opex ratio at 104% and cost discipline.
Prudent risk management kept NPL ratio at 3.5% and Stage 2+3 coverage at 34.3%.
Financial highlights
Quarterly swap-adjusted NII improved by 48% quarter-on-quarter, supporting recurring revenue.
TL loan growth reached 28% year-to-date, with strong market share gains in business and consumer loans.
FX loan book grew 5.1% year-to-date, mainly driven by multinationals and infrastructure projects.
Fee income advanced 67% year-on-year, led by payment systems (+76%) and bancassurance (+77%).
Operating expenses increased 35% year-on-year, below revised full-year guidance.
Outlook and guidance
2025 guidance: TL loan growth above 30%, FX loan growth mid-single digit, NIM (swap adjusted) 3%-3.5%.
ROE expected between 20.4% and above 25%, with NPL ratio around 3.5%.
Fee income growth to remain strong but may moderate if commission caps are adjusted.
Cost/income ratio targeted at 40%-high 40%s, with opex growth below 40%.
Cost of risk for next year expected to evolve at similar levels to 2025.
Revised Q4 exit NIM expectation?
Revised full year ROE outlook?
Reason for restructured loan increase?
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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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