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Türkiye Is Bankasi
Türkiye Is Bankasi (ISCTR) investor relations material
Türkiye Is Bankasi Corporate presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Corporate presentation summary6 Nov, 2026
Macro and sector conditions
GDP growth was 3.5% in 2025, 2.6% in 2026 Q1 and 2.3% in Q2; CPI inflation eased to 29.77% in Oct. 2026 from 64.77% in 2023.
At 30 Sep. 2026, banking-sector capital adequacy was 16.7%, NPL ratio 3.1% and ROE 25.5%.
Franchise and digital reach
9M market shares were 10.3% in sector assets, 10.3% in loans and 11.7% in deposits; private-sector-bank shares were 20.2%, 20.2% and 22.4%, respectively.
Nationwide presence included 990 branches and 7,255 ATMs; international operations spanned 11 countries, with 22 foreign branches and 3 fully owned bank subsidiaries.
İşCep had 16.1mn customers; 97% of transactions used non-branch channels, and 88.8% of TL time deposits and 94.2% of GPLs were transacted digitally.
Balance sheet and funding
Q3 2026 total assets were TL 5,299bn, up 14.6% YtD; loans were TL 2,720bn, up 18.0%, and deposits TL 3,547bn, up 14.5%.
Loans were 51.3% of assets; the loan book comprised 36.5% retail and 63.5% commercial, corporate and SME loans.
Q3 deposits were 56.1% TL and 43.9% FX; demand deposits totaled TL 1,519bn, up 14.6% YtD.
FX wholesale funding included USD 5.4bn of long-term and USD 4.3bn of short-term liabilities; FX LCR was 291% and sustainable funding was 46% of FX wholesale funding.
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Latest events from Türkiye Is Bankasi
- Margin recovery and stronger capital, but costs and credit risks pressure ROE.ISCTR
Q3 2026 - Net profit hit TL 30 billion, assets TL 5.1 trillion, and capital adequacy ratio 15.4% in H1 2026.ISCTRH1 2026
- Net profit hit TL 44 billion, with strong loan growth and a 17.85% capital ratio.ISCTRQ3 2025
- Net profit reached TL 12.4 billion, with strong loan and deposit growth and robust capital ratios.ISCTRQ1 2025
- Q1 2026 net profit hit TL 20.4B, assets TL 4.94T, and capital adequacy at 15.17%.ISCTRQ1 2026
- Net profit reached TL 67.4 billion in 2025, with strong NIM, fee growth, and robust capital ratios.ISCTRQ4 2025
- H1 2025 net profit TL 29.8B, assets TL 3.98T, capital adequacy 17.4%, strong digitalization.ISCTRQ2 2025
- Net profit was TL 29.2 billion, capital adequacy 17.8%, and NPL ratio 1.8% in H1 2024.ISCTRQ2 2024
- Assets up 35.5% to TL 3.32T, net income down 37% to TL 45.5B, digitalization strong.ISCTRQ4 2024
Next Türkiye Is Bankasi earnings date
Q4 20265 Feb, 2027
Türkiye Is Bankasi
Next Türkiye Is Bankasi earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
Türkiye İş Bankası AŞ is a Turkish banking group offering a full range of retail, corporate, and investment banking services. It provides deposit accounts, loans, cards, insurance, asset management, and international trade finance. The bank operates through a large branch network in Turkey and abroad, serving individuals, businesses, and institutional clients. It is headquartered in Istanbul, Turkey, and its shares are listed on the BIST.