1. Türkiye Stocks

  2. •

    Financial Services

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    Banks - Regional
Türkiye Is Bankasi A.S.

Türkiye Is Bankasi A.S.

ISCTR.IS
Türkiye Is Bankasi A.S.TR flagIstanbul Stock Exchange
14.47
TRY
+0.13
- -
361.75BMarket Cap
Türkiye Is Bankasi A.S.
ISCTR.IS
(Istanbul Stock Exchange)

Recent

price

14.47

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.43
0.5
0.6
0.66
0.78
0.85
1.04
0.94
1.17
1.35
1.78
13.61
6.13
9.38
11.23
16.96
19.66
Revenue per Share
0.12
0.1
0.17
0.15
0.16
0.19
0.22
0.24
0.27
0.24
0.27
3.01
2.46
2.89
1.82
2.71
3.05
Basic EPS, GAAP
0.11
-0.4
-0.55
-0.3
-0.49
-0.36
0.27
- -
0.96
1.13
1.09
23.01
3.44
17.67
7.38
7.24
4.94
Free Cash Flow per Basic Share
0.03
0.03
0.03
0.04
0.03
0.04
0.05
0.07
0.08
0.01
0.01
0.24
0.08
0.5
0.31
0.33
0.24
Dividend per Share
0.3
0.62
0.75
0.86
1.02
1.16
1.35
0.53
0.59
0.52
0.52
4
2.86
3.31
3.04
4.02
2.41
Book Value per Share
0.76
0.89
1.11
1.19
1.47
1.74
1.97
1.89
2.19
2.58
2.93
20.89
8.24
11.85
14.42
19.39
19.06
Tangible Book Value per Share
24,999
24,999
24,999
24,999
24,999
24,999
24,999
24,999
24,999
24,999
24,999
4,500
25,000
25,000
25,000
25,000
25,001
Basic Weighted Avg Shares
10,752
12,451
15,002
16,596
19,545
21,197
25,909
23,376
29,174
33,693
44,518
61,243
153,322
234,449
280,669
423,907
491,512
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
242
815
824
931
1,064
1,082
983
717
660
1,003
1,011
1,256
2,049
3,426
5,626
8,716
7,461
Depreciation Expense
2,939
2,460
4,173
3,689
3,923
4,667
5,449
6,068
6,672
6,010
6,655
13,541
61,599
72,254
45,537
67,873
76,162
Net Income, GAAP
17.57
19.91
17.49
16.88
17.73
14.2
17.94
19.85
16.7
16.82
27.33
17.88
18.29
13.5
11.55
20.59
21.91
Effective Tax Rate (%)
27.33
19.76
27.82
22.23
20.07
22.02
21.03
25.96
22.87
17.84
14.95
22.11
40.18
30.82
16.22
16.01
15.5
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
14,557
24,672
29,496
43,729
59,734
78,286
91,245
108,626
137,946
131,022
168,542
274,150
301,506
531,748
894,235
1,138,096
1,298,543
LT Debt
18,987
22,565
27,993
30,124
37,416
44,126
50,156
48,125
55,615
65,701
74,862
96,168
210,053
303,357
372,712
504,819
498,065
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
44.61
21.48
24.49
18.32
16.65
17.1
17.34
25.77
47.54
43.37
51.61
87.7
137.69
93.78
57.37
76.89
143.75
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
25,000
25,000
25,000
Market Capitalization
353,758
352,258
329,257

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
938,145
1,076,236
1,173,192
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
30.69%
49.92%
35.44%
Free Cash Flow
2,370.4%
123.13%
-1.88%
Net Income, GAAP
52.66%
97.55%
49.05%
Sales/Revenue/Turnover
39.65%
62.31%
51.03%
Total Cash Common Dividend
109.78%
214.79%
9.12%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
54,398
66,278
67,339
80,577
280,669
2025
70,187
96,939
143,325
135,862
423,907
2026
115,386
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.56
0.61
- -
- -
1.82
2025
0.49
0.71
- -
- -
2.71
2026
0.82
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.01
0.3
- -
- -
0.31
2025
0.15
0.18
- -
- -
0.33
2026
0.06
- -
- -
- -
- -
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Business
Türkiye Is Bankasi A.S. (ISCTR.IS) is Turkey's largest private bank, providing a comprehensive range of retail, corporate, commercial, SME, private, agricultural, and investment banking products and services primarily in Turkey with select international operations. The bank offers personal, car, housing, cash, and non-cash loans; debit and credit cards; deposit products including term and non-term deposits; investment services such as mutual funds, gold accounts, debt instruments, equities, warrants, eurobonds, futures, and options; cash management solutions encompassing payment and liquidity management, e-solutions, salary payments, cheques, promissory notes, direct debiting, automatic collections, and retailer cards; foreign trade financing; multinational and expat banking; private banking and asset management; payment services for taxes, bills, student fees, Western Union transfers, insurance, consumer loans, credit cards, and rent; insurance products including compulsory earthquake, motor third-party liability, comprehensive motor, health, personal accident, workplace, life critical illness, credit card protection, and loan protection policies; pension funds; and additional activities in reinsurance, real estate investment trusts, house brokerage, facility management, and publishing. Founded in 1924 at the initiative of Mustafa Kemal Atatürk and headquartered at Is Kuleleri in Istanbul's Levent district, the bank operates through an extensive domestic branch network and digital platforms like its award-winning İşCep mobile app, serving individuals, SMEs, large corporations, and multinational clients across various sectors. In 2024, Türkiye Is Bankasi secured approximately USD 360 million in funding via a securitization program linked to foreign remittance flows, with participation from the European Bank for Reconstruction and Development (EBRD) and DEG - Deutsche Investitions- und Entwicklungsgesellschaft, allocating portions to green economy financing, SME digital transformation, and women entrepreneurs; the bank has also issued Tier 2 Eurobonds and green bonds abroad in 2025, alongside domestic bill issuances, reflecting ongoing capital market engagement and strategic support for sustainable initiatives.