Yapi ve Kredi Bankasi A.S. (IST:YKBNK)

IST:YKBNK Income Statement

Financials in millions TRY. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	383,224	306,785	136,589	71,191	38,712	26,591
Interest Income on Investments	199,795	171,974	96,422	62,197	15,390	8,427
Total Interest Income	583,019	478,759	233,012	133,388	54,102	35,017
Interest Paid on Deposits	287,313	261,351	118,734	32,832	15,475	8,900
Interest Paid on Borrowings	160,524	128,649	34,794	21,209	14,874	8,069
Total Interest Expense	447,838	390,000	153,528	54,040	30,349	16,969
Net Interest Income	135,182	88,759	79,484	79,347	23,753	18,048
Net Interest Income Growth (YoY)	51.46%	11.67%	0.17%	234.05%	31.61%	16.08%
Income From Trading Activities	-1,727	-18,100	37,282	21,311	21,549	2,305
Gain (Loss) on Sale of Assets	-7.52	-	-9.64	-	-1.48	-0.05
Other Non-Interest Income	80,826	79,353	39,873	14,890	-10,292	5,470
Total Non-Interest Income	79,091	61,253	77,145	36,201	11,256	7,775
Non-Interest Income Growth (YoY)	31.74%	-20.60%	113.10%	221.61%	44.77%	39.16%
Revenues Before Loan Losses	214,273	150,011	156,629	115,548	35,009	25,823
Provision for Loan Losses	49,310	36,404	24,225	22,521	10,198	9,715
Revenue	164,963	113,607	132,405	93,027	24,811	16,109
Revenue Growth (YoY)	40.23%	-14.20%	42.33%	274.95%	54.02%	32.57%
Salaries and Employee Benefits	40,595	30,022	18,296	9,853	4,804	3,857
Selling, General & Administrative	3,411	2,666	1,794	909.1	483.25	371.71
Other Non-Interest Expense	67,080	48,725	28,909	13,306	5,767	5,172
Total Non-Interest Expense	109,398	79,913	47,376	23,833	10,916	9,311
EBT Excluding Unusual Items	55,565	33,694	85,029	69,194	13,894	6,797
Asset Writedown	-	-	-	-0.29	-0.7	-0.07
Pretax Income	55,565	33,694	85,029	69,194	13,894	6,797
Income Tax Expense	11,140	4,675	17,019	16,448	3,404	1,717
Earnings From Continuing Operations	44,424	29,019	68,010	52,745	10,490	5,080
Minority Interest in Earnings	-3.02	-2.17	-1.33	-0.61	-0.26	-0.17
Net Income	44,421	29,017	68,009	52,745	10,490	5,080
Net Income to Common	44,421	29,017	68,009	52,745	10,490	5,080
Net Income Growth	6.49%	-57.33%	28.94%	402.82%	106.51%	41.09%
Basic Shares Outstanding	8,447	8,447	8,447	8,447	8,447	8,447
Diluted Shares Outstanding	8,447	8,447	8,447	8,447	8,447	8,447
EPS (Basic)	5.26	3.44	8.05	6.24	1.24	0.60
EPS (Diluted)	5.26	3.44	8.05	6.24	1.24	0.60
EPS Growth	6.49%	-57.33%	28.94%	402.82%	106.51%	41.09%
Dividend Per Share	-	-	1.210	0.936	0.118	-
Dividend Growth	-	-	29.20%	690.96%	-	-
Effective Tax Rate	20.05%	13.88%	20.02%	23.77%	24.50%	25.27%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.