Yapi ve Kredi Bankasi A.S.

Yapi ve Kredi Bankasi A.S.

BBIST:YKBNK
35.32
TRY
-1.10
(-3.02%)
339.06BMarket Cap
Nov 03Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.18
1.28
1.5
1.75
2.01
3.1
2.5
3.06
4.14
13.65
18.54
17.76
28.25
- -
Basic EPS, GAAP
0.54
0.3
0.28
0.43
0.54
0.73
0.43
0.6
1.24
6.24
8.05
3.44
5.57
- -
Free Cash Flow per Basic Share
-0.63
-0.24
0.46
0.03
0.76
0.47
2.66
-1.7
3.2
4.57
18.68
3.6
-14.57
-8.59
Dividend per Share
0.04
0.06
0.06
- -
- -
- -
- -
- -
0.06
0.12
0.94
1.21
- -
- -
Book Value per Share
2.71
2.99
3.42
3.87
4.46
4.62
4.88
5.63
7.52
14.95
21.18
22.83
30.26
33.92
Tangible Book Value per Share
2.5
2.78
3.2
3.64
4.21
4.4
4.65
5.39
7.26
14.79
20.94
22.42
29.61
33.2
Basic Weighted Avg Shares
6,749
6,749
6,749
6,749
6,750
6,431
8,447
8,447
8,447
8,447
8,447
8,447
8,447
8,445
Sales/Revenue/Turnover
7,988
8,620
10,094
11,818
13,560
19,921
21,135
25,823
35,010
115,320
156,629
150,011
238,635
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
250
283
352
363
364
293
642
745
838
1,115
1,714
2,928
4,546
- -
Net Income, GAAP
3,659
2,056
1,909
2,933
3,614
4,667
3,600
5,080
10,490
52,745
68,009
29,017
47,090
- -
Effective Tax Rate (%)
21.26
22.95
24.76
21.85
21.45
22.82
20.59
25.27
24.5
23.77
20.02
13.87
27.84
- -
Profit Margin (%)
45.81
23.85
18.91
24.82
26.65
23.43
17.03
19.67
29.96
45.74
43.42
19.34
19.73
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
36,406
44,116
52,517
59,798
81,516
85,592
96,411
125,159
211,175
225,126
361,705
711,642
942,491
1,106,227
Total Equity
18,286
20,214
23,086
26,121
30,102
39,007
41,192
47,568
63,489
126,262
178,881
192,814
255,617
286,499
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.64
3.45
2.73
3.63
3.66
3.95
2.75
3.27
4.69
16.85
15.25
4.02
4.48
- -
Return on Common Equity (%)
21.36
10.68
8.82
11.92
12.86
13.51
8.98
11.45
18.89
55.59
44.58
15.61
21
- -

Capital Structure

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8,447
8,447
8,447
Market Capitalization
305,952
278,922
339,065

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
647,697
694,297
719,988
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TRY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
29.34%
42.87%
32.57%
Free Cash Flow
199.59%
-104.32%
-505.04%
Net Income, GAAP
66.75%
108.65%
62.29%
Sales/Revenue/Turnover
46.26%
71.13%
59.08%
Total Cash Common Dividend
111,175.79%
222,367.12%
-99.93%

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
41,144
31,844
34,873
42,151
150,011
2025
55,495
53,447
- -
66,505
238,635
2026
84,765
70,498
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.22
0.84
0.59
0.78
3.44
2025
1.35
1.34
- -
1.1
5.57
2026
2.4
1.27
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.21
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Gökhan Erün
Full Time Employees
15,634
Sector
Finance
Industry
Major banks
Address
Yapi Kredi Plaza Istanbul IB Turkey 34330
IPO Date
May 28, 1987
Business
Yapi ve Kredi Bankasi A.S. engages in providing comprehensive banking and financial services primarily in Turkey, serving retail, corporate, commercial, SME, private banking, and wealth management sectors. The bank's main products and services include retail banking offerings such as payment systems, debit and credit cards, consumer loans, vehicle loans, mortgage loans, payroll services, and deposit accounts; corporate and commercial banking including working capital loans, trade finance, international non-cash loans, and project finance; private banking and wealth management services comprising capital-guaranteed mutual funds, pension plans, advisory services, and asset management. Additional services are offered through its domestic subsidiaries in brokerage, leasing, and factoring, as well as international operations in the Netherlands, Azerbaijan, and Germany. Established in 1944 and headquartered in Istanbul, Yapi Kredi operates through a widespread network of branches, ATMs, and digital banking channels. Recent major changes include a strategic focus on strong profit growth and resilience highlighted in its 2025 earnings reporting, with significant increases in net profit driven by lucrative lending and fee-based services as well as best-in-class asset-liability management. The bank issued a perpetual Additional Tier 1 capital transaction worth $600 million in 2025, increased its loan volume by 39% year-over-year to support financing of the Turkish economy, and sustained its leadership in Turkish lira demand deposits by employing effective deposit pricing strategies. Efforts to manage non-performing loans proactively and selective lending strategies have been emphasized to maintain performance amid macroeconomic conditions. Yapi Kredi continues to invest in innovative customer-centric digital banking platforms branded as Limitless Banking, contributing to operational expansion and enhanced service delivery. Yapi ve Kredi Bankasi, founded in 1944 and headquartered in Istanbul, Turkey, serves a diverse customer base through a full spectrum of financial products and services encompassing retail, corporate, and private banking. The bank’s operations are supported by a strong domestic footprint with over 767 branches and advanced digital infrastructure, as well as international subsidiaries that extend its banking presence abroad. It remains a key player in the Turkish banking sector with ongoing strategic capital enhancements and a focus on sustainable growth through innovation and customer-focused solutions.