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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 across major balance sheet items, demonstrating resilience and adaptability in a challenging macro environment.
Achieved strong financial performance in 2025, with significant expansion in net interest margin and robust fee generation outpacing inflation for five consecutive years.
Maintained a well-diversified portfolio, prudent underwriting, and strong collection performance, supporting asset quality.
Enhanced capitalization and comfortable capital buffers provide a solid base for future growth.
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.
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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