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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.Q2 2025 earnings summary31 Jul, 2025
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.
What % of shares are publicly traded?
Explain the Group's financial instruments strategy.
Detail the impact of TAS 29.
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Next Yapi ve Kredi Bankasi earnings date
Q3 202531 Oct, 2025
Next Yapi ve Kredi Bankasi earnings date
Q3 202531 Oct, 2025
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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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