Akbank (AKBNK) Corporate Presentation summary

Operating environment and sector outlook

• Türkiye's young, dynamic population and low household debt support financial stability and growth potential.

• The sector faces global policy uncertainty, inflationary pressures, and tighter monetary policy.

• Disinflation is supported by tight monetary and macroprudential policies, with manageable external deficits.

• Economic growth remains positive but has moderated, with unemployment rates gradually declining.

Corporate structure and governance

• Major shareholder Sabancı Holding provides long-term vision and multinational partnerships.

• Board and executive team have extensive experience, with a focus on innovation and client-centricity.

• International advisory board includes global experts, supporting strategic direction.

Financial performance and business highlights (1Q25)

• RoE reached 22.7% and RoA 2.0%, both above projections; revenue grew 42% YoY.

• Net income for 1Q25 was TL 13.7 bn, with strong fee income and trading gains.

• Fee/opex ratio improved to 92%, exceeding strategic targets.

• Active customer base rose 73% since 2021, reaching 14.6 mn, with digital penetration at 87%.

• Digital channels account for the majority of product sales and customer acquisition.