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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.
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.
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