)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Türkiye Is Bankasi (ISCTR) investor relations material
Türkiye Is Bankasi H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary5 Aug, 2025
Executive summary
Delivered strong quarterly and half-year performance, supported by efficiency, digital banking, and process centralization.
Maintained a sustainable business model, value creation for stakeholders, and robust asset quality.
Re-entered the rate cut cycle with a strong balance sheet, positioning for future improvement.
Net profit for H1 2025 reached 41.0 billion TL, up from 39.0 billion TL in the same period last year.
Shareholders' equity rose to 422.4 billion TL from 372.7 billion TL at year-end 2024.
Financial highlights
Net income for H1 2025 rose 2.2% year-over-year to TL 29,790 million; net profit reached 41.0 billion TL.
Net interest income increased 32.6% year-over-year to TL 32,595 million; interest income for H1 2025 was 395.8 billion TL.
Net fees and commissions grew 46.2% year-over-year to TL 59,745 million; net fees and commissions income increased to 17.4 billion TL.
Total assets expanded 19.6% year-to-date, reaching TL 3,975,558 million; total assets increased to 4.65 trillion TL as of June 2025.
Total deposits grew to 2.71 trillion TL as of June 2025, up from 2.18 trillion TL at year-end 2024.
Outlook and guidance
Revised 2025 guidance: TL loan growth ~35%, NIM expansion ~350 bps, net fees & commissions growth ~50%, OPEX growth ~30%, NPL ratio ~3%, net cost of risk ~200 bps, CAR (w/o forbearance) >15%, ROAE ~25%.
Swap adjusted NIM expected to expand through 2025 and 2026, with peak NIM of 6% likely in 2026.
Anticipates quarterly NIM to increase by 100 bps in Q3 and at least 150 bps in Q4, with full-year NIM expansion of 350 bps.
Expects policy rate to be around 35-36% by year-end, with inflation slightly below 30%.
Comprehensive income for H1 2025 was 57.9 billion TL, up from 33.5 billion TL in H1 2024.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Türkiye Is Bankasi earnings date
H2 202517 Feb, 2026
Next Türkiye Is Bankasi earnings date
H2 202517 Feb, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage