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Yapi Ve Kredi Bankasi AS (IST:YKBNK) ROE % : 22.92% (As of Mar. 2025)


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What is Yapi Ve Kredi Bankasi AS ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Yapi Ve Kredi Bankasi AS's annualized net income for the quarter that ended in Mar. 2025 was ₺45,673 Mil. Yapi Ve Kredi Bankasi AS's average Total Stockholders Equity over the quarter that ended in Mar. 2025 was ₺199,243 Mil. Therefore, Yapi Ve Kredi Bankasi AS's annualized ROE % for the quarter that ended in Mar. 2025 was 22.92%.

The historical rank and industry rank for Yapi Ve Kredi Bankasi AS's ROE % or its related term are showing as below:

IST:YKBNK' s ROE % Range Over the Past 10 Years
Min: 8.82   Med: 13.19   Max: 55.59
Current: 15.81

During the past 13 years, Yapi Ve Kredi Bankasi AS's highest ROE % was 55.59%. The lowest was 8.82%. And the median was 13.19%.

IST:YKBNK's ROE % is ranked better than
82.56% of 1588 companies
in the Banks industry
Industry Median: 9.295 vs IST:YKBNK: 15.81

Yapi Ve Kredi Bankasi AS ROE % Historical Data

The historical data trend for Yapi Ve Kredi Bankasi AS's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Yapi Ve Kredi Bankasi AS ROE % Chart

Yapi Ve Kredi Bankasi AS Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.45 18.89 55.59 44.58 15.61

Yapi Ve Kredi Bankasi AS Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.93 15.62 10.69 13.78 22.92

Competitive Comparison of Yapi Ve Kredi Bankasi AS's ROE %

For the Banks - Regional subindustry, Yapi Ve Kredi Bankasi AS's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Yapi Ve Kredi Bankasi AS's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Yapi Ve Kredi Bankasi AS's ROE % distribution charts can be found below:

* The bar in red indicates where Yapi Ve Kredi Bankasi AS's ROE % falls into.


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Yapi Ve Kredi Bankasi AS ROE % Calculation

Yapi Ve Kredi Bankasi AS's annualized ROE % for the fiscal year that ended in Dec. 2024 is calculated as

ROE %=Net Income (A: Dec. 2024 )/( (Total Stockholders Equity (A: Dec. 2023 )+Total Stockholders Equity (A: Dec. 2024 ))/ count )
=29016.823/( (178878.319+192808.874)/ 2 )
=29016.823/185843.5965
=15.61 %

Yapi Ve Kredi Bankasi AS's annualized ROE % for the quarter that ended in Mar. 2025 is calculated as

ROE %=Net Income (Q: Mar. 2025 )/( (Total Stockholders Equity (Q: Dec. 2024 )+Total Stockholders Equity (Q: Mar. 2025 ))/ count )
=45672.592/( (192808.874+205676.409)/ 2 )
=45672.592/199242.6415
=22.92 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2025) net income data. ROE % is displayed in the 30-year financial page.


Yapi Ve Kredi Bankasi AS  (IST:YKBNK) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Mar. 2025 )
=Net Income/Total Stockholders Equity
=45672.592/199242.6415
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(45672.592 / 221979.492)*(221979.492 / 2644644.774)*(2644644.774 / 199242.6415)
=Net Margin %*Asset Turnover*Equity Multiplier
=20.58 %*0.0839*13.2735
=ROA %*Equity Multiplier
=1.73 %*13.2735
=22.92 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Mar. 2025 )
=Net Income/Total Stockholders Equity
=45672.592/199242.6415
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (45672.592 / 57502.484) * (57502.484 / 221979.492) * (221979.492 / 2644644.774) * (2644644.774 / 199242.6415)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.7943 * 25.9 % * 0.0839 * 13.2735
=22.92 %

Note: The net income data used here is four times the quarterly (Mar. 2025) net income data. The Revenue data used here is four times the quarterly (Mar. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Yapi Ve Kredi Bankasi AS ROE % Related Terms

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Yapi Ve Kredi Bankasi AS Business Description

Traded in Other Exchanges
N/A
Address
Yap? Kredi Plaza D Blok Levent, Istanbul, TUR, 34330
Yapi Ve Kredi Bankasi AS is a banking group operating in, and with its credit exposed nearly entirely to Turkey. The company's strategy emphasizes growth, profitability, and customer satisfaction. The Bank carries out its banking operations through two main business units Retail Banking and Corporate and Commercial Banking. The group also has domestic financial subsidiaries in asset management, brokerage, leasing, and factoring. An overwhelming majority of its outstanding shares are held by Koç Group, a largest conglomerate in Turkey. The group's largest contributor to revenue is retail banking, which includes card payment systems, as well as individual and small to midsize enterprise banking.

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