Akbank's net profit in the third quarter grows above expectations.

Akbank's Financial Report for Q3 2025

Akbank reported a net profit of 14.1 billion TL in Q3 2025, surpassing the market expectation of 13.6 billion TL. This growth was achieved through net fee and commission income as well as net interest income including swap costs. On a yearly basis, net profit increased by 56%, while on a quarterly basis, it rose by 26%.

Assets and Credit Growth

Akbank's total assets reached 3 trillion 231 billion TL, demonstrating an annual increase of 22%. The return on assets was recorded at 1.8% on a quarterly basis, above the previous quarter's rate of 1.5%. Additionally, the loan volume increased by 26% year-on-year, rising to 1 trillion 678 billion TL. As of Q3 2025, the bank's net interest margin was determined to be 2.7%.

Increase in Deposits and Loans

Deposits have risen annually by 24% to 2 trillion TL. The loan-to-deposit ratio stood at 84%. The bank's equity reached 278 billion TL during this period, with cumulative return on equity reaching 20.4%.

Key Financial Performance Figures

The non-performing loans ratio remained stable at 3.5%, consistent with the previous quarter, while the capital adequacy ratio was determined to be 17.2%. An important development recorded was the expected 52% increase in net interest income for 2025, projected to reach 30.9 billion TL.

Revisions in Macroeconomic Assumptions

Akbank made changes to its macroeconomic assumptions for 2025. The inflation forecast was raised from 27.5% to a range of 28-32%. The GDP growth forecast was reduced from 3.2% to 3.0%.

Conclusion Assessment

For 2025, Akbank maintains a growth target of around 30% for its TL loan portfolio. Expectations for net interest margin remain in the range of 3-3.5%. The bank's return on equity has been recorded at 20.4%, with a year-end target exceeding 25%.