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Yapi ve Kredi Bankasi (YKBNK) investor relations material
Yapi ve Kredi Bankasi Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net profit for the first nine months reached TL 37.8 billion, up 69% year-over-year, with strong core revenue growth and improved profitability metrics.
Return on tangible equity stood at 23.7% and return on assets at 1.7% for the period.
Core revenues rose 91% year-over-year, supported by robust net interest income and fee growth.
Asset quality outperformed peers, with net NPL inflows declining for the fifth consecutive quarter and NPL ratio at 3.3–3.4%.
The Group maintained strong liquidity, with total and foreign currency liquidity coverage ratios at 125% and 308%, respectively.
Financial highlights
Revenues increased 23% quarter-on-quarter to TL 59 billion and 82% year-over-year to TL 153 billion.
Net interest income including swap costs rose 258% year-over-year to TL 49.6 billion.
Net fees and commissions income grew 50% year-over-year to TL 84.2 billion.
Operating expenses increased 52% year-over-year, with fee coverage over OpEx at 97% for the first nine months.
Pre-provision profit surged 145% year-over-year to TL 66.7 billion.
Outlook and guidance
Guidance maintained for 2025: TL loan growth below inflation, mid-teens growth in FX loans.
NIM improvement of 200–225 bps expected, with actual +130 bps year-to-date.
Fee growth guidance at ≥40%, with 50% achieved year-to-date.
Cost of risk expected between 125–175 bps in 2026.
ROTE expected in the mid-twenties, with 23.7% achieved.
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Next Yapi ve Kredi Bankasi earnings date
Q4 202530 Jan, 2026
Next Yapi ve Kredi Bankasi earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Yapı ve Kredi Bankası A.Ş. (Yapi Kredi), a subsidiary of Koç Financial Services, is a financial institution in Turkey offering a comprehensive suite of retail and commercial banking solutions. The bank provides a wide array of products and services such as various types of deposits (time, demand, funds, home, dowry, and e-deposits), personal, mortgage, housing, and auto loans, debit and credit cards, and investment products like mutual funds, bonds, and stocks. It also offers insurance solutions covering life, health, travel, auto, house, and pension, along with payroll services, financing, investment banking, payment solutions, money transfer, and online and mobile banking services. The company is headquartered in Istanbul, Turkey, and its shares are listed on the Istanbul Stock Exchange.
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