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Türkiye Is Bankasi
Türkiye Is Bankasi (ISCTR) investor relations material
Türkiye Is Bankasi H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary6 Feb, 2026
Executive summary
Maintained leadership as the largest private bank in Turkey, with 11%-12% market share and a well-diversified portfolio, demonstrating resilience and adaptability in a challenging macro environment.
Achieved strong financial performance in 2025, with robust net interest margin expansion, high fee growth, and disciplined cost management.
Net profit for 2025 reached TL 67,440,675 thousand, up from TL 45,517,445 thousand in 2024, reflecting strong earnings growth year-over-year.
Turkish economy grew moderately at 3.5% in 2025, with inflation ending at 30.89% and policy rate at 38% in December, further cut in January.
Enhanced capitalization and comfortable capital buffers provide a solid base for future growth.
Financial highlights
Net profit increased 65% quarter-on-quarter and 90% year-over-year, with full-year return on equity (ROE) at 19%.
Net interest income rose 181.3% year-over-year to TL 96,922 mn; net fees and commissions up 47% to TL 134,351 mn.
Operating profit surged 235.7% year-over-year to TL 80,246 mn.
Total assets grew 39.1% year-over-year to TL 4,624,940 mn.
Cost/income ratio improved to 55.0% in 2025 from 65.3% in 2024.
Outlook and guidance
2026 GDP growth expected at 4%, with year-end inflation forecasted at 23%-25% and policy rate at 30%.
Full-year NIM guidance for 2026 is around 5%, with gradual expansion expected.
Fee income targeted to grow 40% above inflation in 2026.
OpEx growth guided at 40%-45% for 2026, mainly due to business development and salary agreements.
NPL ratio expected to be around 4% and net cost of risk below 250 bps in 2026.
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Next Türkiye Is Bankasi earnings date
H1 20264 Aug, 2026
Türkiye Is Bankasi
Next Türkiye Is Bankasi earnings date
H1 20264 Aug, 2026
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Frequently asked questions
Türkiye İş Bankası AŞ is a Turkish banking group offering a full range of retail, corporate, and investment banking services. It provides deposit accounts, loans, cards, insurance, asset management, and international trade finance. The bank operates through a large branch network in Turkey and abroad, serving individuals, businesses, and institutional clients. It is headquartered in Istanbul, Turkey, and its shares are listed on the BIST.
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