Turkiye Is Bankasi AS (OTCPK:TYIBF)

Q1 2025 Turkiye Is Bankasi AS Earnings Call Transcript

May 6, 2025 / 10:59 AM GMT

Release Date Price: $0.27744

Transcript

Key Points

Positve

Turkiye Is Bankasi AS (IST:ISCTR) reported a significant expansion in net interest income, registering the highest improvement in its peer group.
The bank's cost control measures led to a 5% quarterly decline in operating expenses, with annual increases well below inflation levels.
SME loans, a focus area for the bank, saw a growth of close to 14%, contributing to a strong asset quality and market share of 22% among private banks.
The bank maintained a robust liquidity position, with FX liquid assets more than enough to cover external liabilities, and an FX liquidity coverage ratio of 256%.
Turkiye Is Bankasi AS (IST:ISCTR) achieved a return on tangible equity of about 18% in the first quarter, indicating strong profitability.

Negative

The current account deficit widened in the first two months of 2025, increasing to $12.8 billion.
There was a net tightening in monetary policy due to unexpected market volatility, which could impact future financial performance.
The budget deficit reached 36.8% of the year-end target in the first quarter, indicating fiscal challenges.
Flows to non-performing loans (NPL) increased slightly, although they remained manageable.
The bank's net interest margin may face pressure due to recent monetary policy changes, potentially delaying improvement in net interest income.

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

ISCTR.IS - Turkiye Is Bankasi AS
Q1 2025 Turkiye Is Bankasi AS Earnings Call
May 06, 2025 / NTS GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, welcome to H Bank's first quarter of 2025 financial results audio webcast.

Today our presenters will be Ms. Islam Aam, chief economist and deputy CEO responsible for IRN sustainability, Mr. Mehmettuuk, CFO, and Ms. Mirggan Osman, head of IRN sustainability.

As always, the presentation will be followed by a KNA session. If you wish to ask a question, please raise your hand or type your question into the KA area. Now I hand over to our presenters.

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Unidentified_2 [2]
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Welcome to our earnings presentation for the 1st

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