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Yapi ve Kredi Bankasi (YKBNK) investor relations material
Yapi ve Kredi Bankasi Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Profit before tax nearly doubled in 2025, with net profit up 79% year-over-year, driven by strong core revenues, margin expansion, and robust asset-liability management.
Maintained best-in-class asset quality, with NPL market share decreasing by 274-275bps and credit card NPL ratio ~30bps below private banks.
Continued investments in technology and human capital, completing a major transformation enabling AI-driven risk management and hyper-personalization.
Consolidated financial statements for 2025 were audited and found to present fairly the financial position and performance in accordance with BRSA and TFRS standards.
The Group operates through a broad network, with 739 domestic branches and 1 overseas, and employs 15,634 people as of year-end.
Financial highlights
Core revenues increased 81% year-over-year, with total revenues up 78% to TL 218 billion and net profit reaching TL 47.1 billion, up 62% year-over-year.
Net interest margin expanded by 151bps year-over-year to 2.4% cumulatively, with Q4 at 2.6%.
Fee income grew 50% annually, exceeding guidance, and net interest income rose to TL 161.1 billion.
Trading income rose 67% year-over-year, driven by customer transactions and treasury activities.
Earnings per share improved to TL 0.0557 from TL 0.0344.
Outlook and guidance
2026 guidance assumes inflation of 23-24% and policy rate near 29-30%, with TL loan growth targeted above 30% and FX loan growth in low single digits.
Net interest margin expected to improve by over 100bps, fee growth to align with inflation, and cost growth targeted below 35%.
ROE/ROTE targeted in the high 20s, at least 5% above inflation, and NPL ratio expected to remain below 4% in 2026.
Cost of risk guided at 150-175bps.
No dividend distribution proposal for 2025 as of the report date.
- TimeTickerHeadlineOpen
- 6 FebWASH
Q4 2025 net income up 48%, adjusted EPS up 41%, AUA $7.8B, dividend yield 7.58%. - 6 FebJ
Strong growth, digital innovation, and margin expansion drive robust multi-year financial outlook. - 6 Feb004020
Operating profit rose on cost savings and high-value sales, with major US expansion underway. - 6 FebJOUT
Net sales up 31%, gross margin at 36.6%, and net loss narrowed to $3.3 million. - 6 FebPECO
Record 2025 occupancy and 7% Core FFO growth; 2026 targets 5.5% FFO growth and strong acquisitions. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRI
Net loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
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