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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
Maintained strong performance in Q2 and H1 2025, supported by diversified revenue streams, subsidiaries' contributions, and effective cost management despite margin pressures and market volatility.
Digitalization and sustainability initiatives advanced, including the first IFRS-aligned sustainability report and multiple awards.
Net profit for H1 2025 reached 41.0 billion TL, up from 39.0 billion TL in the same period last year.
Total assets increased to 4.65 trillion TL as of June 2025, compared to 3.86 trillion TL at year-end 2024.
Shareholders' equity rose to 422.4 billion TL from 372.7 billion TL at year-end 2024.
Financial highlights
Net interest income increased fourfold year-over-year in Q2 and reached 119.8 billion TL for H1 2025, up from 72.4 billion TL in H1 2024.
Net fees and commissions income rose 46.2% year-over-year to 59,745 million TL, with quarterly growth over 22%.
Total assets expanded 19.6% year-to-date, reaching 4.65 trillion TL as of June 2025.
Loans grew 22.0% year-to-date, and deposits rose 23.7% year-to-date, with total deposits at 2.71 trillion TL.
Cash and cash equivalents at period end were 434.3 billion TL, up from 305.2 billion TL a year earlier.
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%.
Policy rate expected to end year at 35%, with annual inflation slightly below 30% for 2025.
Moderate economic growth of around 3% anticipated for 2025.
Comprehensive income for H1 2025 was 57.9 billion TL, up from 33.5 billion TL in H1 2024.
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Next Türkiye Is Bankasi earnings date
H2 202517 Feb, 2026
Next Türkiye Is Bankasi earnings date
H2 202517 Feb, 2026
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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.
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