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Akbank
Akbank (AKBNK) investor relations material
Akbank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
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.
Impact of not applying inflation accounting?
Details on NPL portfolio sale impact?
Subordinated debt early repayment strategy?
FX loan growth strategy given tighter caps?
Levers to achieve <35% cost-income by 2028?
How to preserve asset quality in 2026?
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Next Akbank earnings date
Q1 202628 Apr, 2026
Akbank
Next Akbank earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Akbank T.A.S. is a Turkish bank offering a broad range of banking products and services not only domestically but also internationally. Its operations encompass retail, commercial, corporate, private banking, and international trade finance services. The bank's comprehensive service portfolio includes deposit accounts, retail and commercial loans, credit cards, insurance products, asset management services, and investment banking, among others. The company is headquartered in Istanbul, Turkey, and its shares are listed on the Istanbul Stock Exchange.
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