Q3 2025 Akbank TAS Earnings Call Transcript

Oct 23, 2025 / 10:59 AM GMT

Release Date Price: €1.88 (-8.74%)

Transcript

Key Points

Positve

Akbank TAS (AKBTY) reported a 17% year-on-year increase in net income, reaching 38,908 million, with a return on equity (ROE) of 20.4%.
The bank achieved a 48% year-on-year growth in revenue, driven by robust fee generation and renewed net interest income (NII) momentum.
Akbank TAS (AKBTY) captured 90 basis points of market share in business banking loans among private banks, demonstrating targeted focus on growth segments.
The bank's securities portfolio showed a balanced approach with a focus on yield maximization, achieving a 21% year-to-date growth in foreign currency securities.
Akbank TAS (AKBTY) maintained a strong capital position with total capital, tier one, and core equity tier one ratios at 17.2%, 13.6%, and 12.4%, respectively.

Negative

The anticipated margin expansion was postponed due to strong monetary tightening in April.
Economic activity showed signs of moderation in Q3, with mild economic growth expected for the year.
The bank's Turkish time deposit market share fell short due to funding optimization efforts and regulation-driven low levels of Turkish RDR.
The net cost of credit increased to 230 basis points, driven by ongoing retail NPL inflows and strengthening coverage ratios.
The bank's full-year cost of credit may slightly exceed the upper end of the guidance range of 150 to 200 basis points.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

AKBNK.IS - Akbank TAS
Q3 2025 Akbank TAS Earnings Call
Oct 23, 2025 / NTS GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Dear friends, hi, this is Kann speaking.

Thank you for joining our 3rd quarter earning poll.

I'm speaking to you from Copenhagen. While I am on the road, I wanted to take a moment to connect with all of you and share my perspective on the current operating environment and how we are positioning ourselves for the period ahead.

After my remarks, I will leave the floor to Turat, Abreau, and Uche and our IR team who will go through the detailed financial results and handle the Q&A.

Although I'm not able to stay for the entire call, I'm looking forward to catching up again soon.

Before we dive into the numbers, I want to take a moment to talk about the broader macro environment, particularly what we are seeing

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.