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Yapi ve Kredi Bankasi (YKBNK) investor relations material
Yapi ve Kredi Bankasi Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit for H1 2025 reached TL 22.75 billion, up 31% year-over-year, with core revenues rising 83% and return on tangible equity at 22.4%.
Core business income remained resilient despite market volatility and disruptions in the rate cycle.
Selective lending and agile pricing strategies drove market share gains in loans and deposits.
Asset quality outperformed peers, with NPL ratio at 3.1–3.2% and robust coverage.
Capital adequacy and liquidity ratios remained strong, supporting growth and risk management.
Financial highlights
Net interest margin improved 116 bps year-to-date, with core revenue margin up 161 bps to 6.5%.
Net interest income (swap-adjusted) rose 240% year-over-year to TL 29.88 billion.
Fees and commissions increased 45% year-over-year to TL 52.15 billion, covering 96% of operating expenses.
Operating expenses rose 52% year-over-year, mainly from inflation and investments in human capital.
Pre-provision profit doubled year-over-year to TL 40.34 billion.
Outlook and guidance
NIM improvement target revised to 200–225 bps for the year; fee growth guidance raised to at least 40%.
Loan growth expected below average inflation, with cost increase guidance maintained below 50%.
Cost of risk guided at 150–175 bps; ROE guidance maintained at mid-20s.
Continued focus on prudent risk management and profitability.
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