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Türkiye Halk Bankasi
Türkiye Halk Bankasi (HALKB) investor relations material
Türkiye Halk Bankasi Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary8 Nov, 2025
Executive summary
Total assets surpassed TL 4 trillion, increasing up to 40.1% year-over-year and 10.4% quarter-on-quarter, driven by securities growth and robust core banking performance.
Net income rose as much as 80.1% year-over-year to TRY 20.2 billion, with quarterly surges of 64% and 31.6% YoY growth to TRY 20.7 billion in the first nine months of 2025.
SME loans remained a key segment, comprising up to 55% of commercial loans and a 14.4% market share, with strong growth in both SME and retail lending.
ROE remained strong, reaching up to 18.5% YtD, and cost-to-income ratio improved to 66.4%.
Shareholders' equity increased up to TRY 201.3 billion, up 43.5% year-over-year.
Financial highlights
Net interest income nearly doubled year-over-year, with NIM improving to 3.6% YtD and net fee and commission income up 44.7%.
Securities portfolio exceeded TRY 1 trillion, growing 12.8% quarter-on-quarter.
Deposit base grew up to 37.6% year-over-year, with demand deposits reaching 24% of total.
NPL ratio ranged from 2.4% to 3.8%, with coverage ratios rising to 66.1%.
Operating expenses contracted 2.6% quarter-over-quarter, improving cost-to-income.
Outlook and guidance
Continued growth expected in lending, especially to SMEs, and expansion in digital and green financing.
Internal capital generation and strategic funding optimization to support capital base and profitability.
Anticipation of positive impact from easing global financial conditions and strong external demand.
CPI linkers' valuation rate set at 30% for 2025, reflecting inflation expectations.
Establishment of Halk Katılım Bankası to enhance participation finance in 2026.
Detail financial impact of accounting changes
Wholesale funding targets and strategy?
Reasons for NPL ratio decoupling from sector?
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Next Türkiye Halk Bankasi earnings date
Q4 202513 Feb, 2026
Türkiye Halk Bankasi
Next Türkiye Halk Bankasi earnings date
Q4 202513 Feb, 2026
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