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Investor Relations14 Oct 2025
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Turkiye Garanti Bankasi (GARAN) investor relations material
Turkiye Garanti Bankasi Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for the first half of 2025 reached TL 53.6 billion, up 20% year-over-year, with ROAE at 30.7% and ROAA at 3.1%.
Core banking revenues grew 61% year-over-year, driven by strong NII, robust fee income, and provision reversals.
Maintained sector leadership in TL lending, consumer loans, and credit cards among private banks.
Asset quality improved with a stable NPL ratio at 2.6% and declining Stage-2 loan share.
Total assets reached TL 3.82 trillion, with customer deposits up 26.7% to TL 2.66 trillion.
Financial highlights
Net interest income rose 42.7% year-over-year to TL 82.4 billion, with core NII resilient despite higher funding costs.
Net fees and commissions increased 56.5% year-over-year to TL 65.5 billion, covering 86% of operating expenses.
Operating expenses grew 69% year-over-year, with cost/income ratio at 47.7% in 1H25.
Loans/deposits ratio at 81.8%; liquidity coverage ratio at 134%, well above regulatory minimum.
Customer deposits funded 69.5% of assets; performing loans/assets ratio was 57.4%.
Outlook and guidance
Maintains low 30s ROE guidance, expected to settle near the lower bound.
2025 GDP growth forecast at 3.5%, with risks tilted to the downside due to tight monetary and fiscal policy.
Margin expansion delayed by two quarters due to CBRT's tight stance; robust fee growth expected to offset margin pressures.
Focus on TL-based growth, digitalization, and sustainability, with a new TL 3.5 trillion sustainable finance target for 2018-2029.
Management expects positive impact from disinflation and potential interest rate cuts.
What % of assets are funded via deposits?
What's the effective date for TFRS 17?
What's the bank's policy on loan write-downs?
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Next Turkiye Garanti Bankasi earnings date
Q3 202530 Oct, 2025
Next Turkiye Garanti Bankasi earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Turkiye Garanti Bankasi A.S. is a Turkish bank. The bank offers a broad range of financial products and services across various segments, including retail banking, corporate/commercial banking, and investment banking. Its services cater to a diverse clientele, encompassing everything from deposit accounts, loans, leasing, and factoring to more specialized services like custody, time and demand deposits, consumer loans, auto and housing loans, working capital loans, and foreign currency loans. Additionally, Garanti BBVA provides investment services such as investment funds, stocks, derivatives, and its e-trader platform.The company is headquartered in Istanbul, Turkey, and its shares are listed on the Istanbul Stock Exchange.
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