Q4 2025 Turkiye Vakiflar Bankasi TAO Earnings Call Transcript
(audio in progress) -- expand and materialized at 5.8%, which was 4.5%. It means that during the quarter we had additional 1.3 percentage point quarterly expansion in our courses on the Turkish lbalance sheet site, which is also outperforming the sector average considering the sector quarterly to core expansion of 1.1 percentage points.
Such quarterly swap adjustment interest margin performance brought full year swap adjusted net interest margin also, to a very strong numbers as of September, as of third quarter and cumulative swap adjustment interest margin was in the area of 2.7%, but thanks to such the strongest quarter of the year in Q4, full year average swap adjust net interest margin further increased to 3.4% area, which is up by 110 basis points, compared to average of 2024, which materialized at 2.3%.
So in this manner, one of the most eye-catching performance of Vakif Bank financials can be seen on the net interest margin site, and we were very happy and we were very glad to see such a strong net interest margin
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