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Edge1 May 2026
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Türkiye Vakiflar Bankasi Türk Anonim Ortakligi
Türkiye Vakiflar Bankasi Türk Anonim Ortakligi (VAKBN) investor relations material
Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary6 May, 2026
Executive summary
Net income for 1Q26 was TL 15.0 billion, down 25% year-over-year and 46% sequentially from 4Q25, reflecting higher operating expenses and provisions.
Total revenues reached TL 85.6 billion, up 13% year-over-year but down 9% from the previous quarter.
Conservative CPI valuation and outstanding free provisions provide a buffer against uncertainty.
Financial highlights
Net interest income for 1Q26 was TL 53.8 billion, up 156% year-over-year but down 19% sequentially.
Net fee and commission income grew 26% year-over-year to TL 19.3 billion, outperforming sector averages.
Operating expenses increased 60% year-over-year and 12% sequentially, mainly due to promotional expenses.
Provisions rose 55% sequentially to TL 25.8 billion.
ROAE was 18.4% and ROAA was 1.1% for 1Q26.
Outlook and guidance
Net interest margin (NIM) evolved in line with guidance, despite conservative CPI assumptions.
Management expects opex growth to decline in upcoming periods as promotional expenses normalize.
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Latest events from Türkiye Vakiflar Bankasi Türk Anonim Ortakligi
- Net profit reached TL 40.4 billion, assets exceeded TL 4 trillion, and CAR hit 16.11%.VAKBN
Q4 202421 Apr 2026 - Net income up 54% YoY, strong NIM and loan growth, capital ratios and funding remain robust.VAKBNQ3 202520 Mar 2026
- Net profit surged 81% to TL 27.2 billion, with record asset growth and robust capital ratios.VAKBNQ3 202420 Mar 2026
- Net income up 57% YoY to TL 30 billion, ROAE at 25.8%, and NPL ratio rose to 2.5%.VAKBNQ2 202520 Mar 2026
- Net income up 67% YoY to TL 20,034 million, with strong ROAE and fee growth amid NIM pressure.VAKBNQ1 202520 Mar 2026
- Net income up 248% YoY to TL 19.2bn, with strong asset growth and robust capital ratios.VAKBNQ2 202420 Mar 2026
- Net income rose 73% to TL 70.1 billion, with ROAE at 25.9% and strong capital ratios.VAKBNQ4 202520 Mar 2026
- Net income surged 73% to TL 70.1 billion in 2025, driven by digital and sustainable growth.VAKBNInvestor presentation20 Mar 2026
Next Türkiye Vakiflar Bankasi Türk Anonim Ortakligi earnings date
Q2 20266 Aug, 2026
Türkiye Vakiflar Bankasi Türk Anonim Ortakligi
Next Türkiye Vakiflar Bankasi Türk Anonim Ortakligi earnings date
Q2 20266 Aug, 2026
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