Akbank (AKBNK) Q4 2025 earnings summary

Executive summary

• Net income grew 35% year-on-year to TL 57,254,821, with ROE at 21.5% and ROA at 1.9%, driven by robust fee income and NII recovery.

• Revenue rose 50% year-on-year to TL 222,033 million, supported by strong fee and interest income.

• Maintained solid capital buffers (CAR 16.8%, Tier 1 13.6%) and prudent risk management.

• Strategic focus on digitalization, ESG, customer acquisition, and sustainable, risk-adjusted returns.

• Auditor issued an unqualified opinion, confirming compliance with regulations.

Financial highlights

• Net interest income increased 54% year-on-year to TL 108,985,221; net fees and commissions up 64% to TL 120,971,683.

• Quarterly net income rose 30% to TL 18,317 million, with sequential ROE improvement to 24.9%.

• TL loan growth reached 42%, FX loan growth 10%, both exceeding guidance.

• Cost increase contained at 33% year-on-year, below guidance, with CIR at 50.6%.

• Earnings per share increased to TL 0.11011 from TL 0.08147 year-over-year.

Outlook and guidance

• Targeting cost-to-income ratio below 35% by 2028, with gradual improvement toward low 40s this year.

• 2026 guidance: TL loan growth >30%, FX loan growth >10%, NIM ~4%, net fees & commissions growth >30%.

• ROE targeted above inflation, with high-20% range expected.

• No significant changes in business strategy or funding structure anticipated for the coming year.

• Guidance incorporates regulatory changes and macroprudential measures.