Turkiye Is Bankasi AS (OTCPK:TYIBF)

Q3 2025 Turkiye Is Bankasi AS Earnings Call Transcript

Oct 30, 2025 / 03:30 PM GMT

Release Date Price: $0.27744

Transcript

Key Points

Positve

Turkiye Is Bankasi AS (IST:ISBTR) delivered a strong set of results in Q3 2025, with a notable 116% increase in swap-adjusted net interest income on a quarterly basis.
The bank's net fee income generation remained robust, registering a quarterly increase of 10% and an annual growth of 47%.
Asset quality indicators remained solid across retail, SME, and corporate segments, with an NPL ratio of 2.7%.
Capital and liquidity metrics further improved, providing ample flexibility to support future growth opportunities.
The bank's diversified fee base, built on stronger customer relationships and expanding digital channels, continues to provide resilience to its overall revenue stream.

Negative

The macroeconomic environment posed challenges, with production activities losing momentum and inflation expectations exceeding 30% by year-end.
There was a significant charge in asset quality due to credit card restructurings under the newly introduced retail restructuring framework.
The bank's return on equity guidance of 25% for the year appears challenging, with expectations now adjusted to around 20%.
There is upside pressure on the cost of risk, which remains elevated at 218 basis points.
The easing in Turkish deposit costs is slower than initial expectations, impacting the net interest margin trajectory.

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

ISCTR.IS - Turkiye Is Bankasi AS
Q3 2025 Turkiye Is Bankasi AS Earnings Call
Oct 30, 2025 / 03:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, welcome all to each bank 3rd quarter 2025. Financial results, audio workers.

Today our presenters will be Ms. Ebrahuja, Deputy Chief Executive. Ms.

Mr. Mama, CFO.

M Nif Osman, head of I and sustainability.

The presentation will be followed by a piano session.

If you wish to ask a question, you may raise your hand or you may submit your question via the KA box. Now I hand over to our presenters.

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Unidentified_2 [2]
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Good evening. Welcome to our earnings presentation for the 3rd

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