Turkey · Delayed Price · Currency is TRY Türkiye Is Bankasi A.S. Earnings Call Transcripts
Fiscal Year 2026
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First quarter saw strong net profit and fee growth, resilient asset quality, and robust capital ratios despite inflation and funding cost pressures. Guidance for loan growth, NIM, and fee income remains intact, with rate cuts expected in H2.
Fiscal Year 2025
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Delivered robust 2025 results with 90% net profit growth, 285 bps NIM expansion, and 47% fee income growth. 2026 guidance targets 4% GDP growth, 25% inflation, NIM around 5%, and continued strong asset quality and capital ratios.
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Strong fee and net interest income growth, disciplined cost control, and resilient asset quality drove robust Q2 results. Full-year NIM expansion revised to 350 bps, with further improvement expected in 2026. Asset quality pressures remain muted, with capital and liquidity ratios at solid levels.
Fiscal Year 2024
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2024 featured strong fee and loan growth, robust asset quality, and resilient capital ratios amid tight monetary policy. 2025 guidance targets higher NIM, 35% TL loan growth, 50% fee growth, and a 30% ROE, with manageable risk outlook and continued digitalization.
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Swap-adjusted net interest income and fee generation drove profitability, with asset quality and capital ratios remaining strong. NIM guidance for 2024 faces downside risk due to delayed rate cuts, but early 2025 is expected to see improvement as monetary easing begins.
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Strong fee income and prudent risk management offset margin pressures amid high inflation and monetary tightening. Asset quality remains robust, with NPL ratio at 1.8% and capital ratios solid; full-year ROE guidance is around 30%.