İş Bankası announced a net profit of 14.2 billion TL for the third quarter of 2025.

Strong Financial Performance from İş Bankası

İş Bankası achieved a net profit of 14.2 billion TL in the third quarter of 2025, in line with market expectations. The bank's net fee and commission income, along with net interest income including swap costs, significantly supported profitability.

Active Size and Loan Portfolio

The bank's active size increased by 32 percent year-on-year, reaching 4 trillion 220 billion TL. The active profitability was 1.6 percent on a quarterly and yearly basis.

The loan portfolio rose by 37 percent year-on-year, reaching 2 trillion 102 billion TL. In the third quarter of 2025, the bank's net interest margin (NFM) adjusted for swap costs was recorded at 2.34 percent.

Profitability and Deposits

Deposits grew by 39 percent year-on-year, reaching 2 trillion 850 billion TL. The loan-to-deposit ratio was 73.76 percent.

Equity and Non-Performing Loans

The bank's equity increased by 31 percent year-on-year, reaching 380 billion TL. The ratio of non-performing loans to total loans was determined to be 2.37 percent.

Income Growth and Future Expectations

Net fee and commission income increased by 10 percent quarter-on-quarter, reaching 36 billion TL. In the first nine months of 2025, this figure was recorded at 95.8 billion TL.

İş Bankası expects approximately 35 percent growth in TL lending for 2025 and anticipates a 350 basis points expansion in the net interest margin by the end of the year.