Yapı Kredi's net profit for the 3rd quarter was 15.1 billion TL.

Yapı Kredi Announces Its 2025 Third Quarter Financial Statements

Yapı Kredi Bank achieved a 15.1 billion TL net profit in the third quarter of 2025. This result shows a quarter-on-quarter increase of %33 and a year-on-year increase of %201, surpassing the market expectation of 13.2 billion TL by %14. Thus, the bank's total net profit for the first nine months reached 37.8 billion TL, reflecting a year-on-year increase of %69.

Equity and Profitability Trends

Yapı Kredi's equity increased to 241 billion TL with a year-on-year growth of %26.4. The return on equity (ROE) rose from %22.4 in the second quarter to %23.7, exceeding the bank's 2025 target of the "mid 20s" band.

Capital Adequacy Ratio and Interest Margins

The capital adequacy ratio (CAR) increased by 12 basis points quarter-on-quarter to reach %16.9. The net interest margin (NIM), adjusted for swap effects, reached %2.27 on a quarterly basis. As of 9A25, the cumulative margin was %2.03, aligning with the bank's annual goal.

Increase in Fee and Commission Income

The bank’s fee and commission income showed a strong performance, rising %13 quarter-on-quarter and %52 year-on-year. This development reflects the positive impact of increased revenues from payment systems and digital banking.

Total Assets and Credit Volume Growth

Yapı Kredi’s total assets reached 3.04 trillion TL, marking a year-on-year increase of %30.5. Total loan volume was 1.59 trillion TL and total deposit volume was 1.63 trillion TL. The loan/deposit ratio remained stable at %97.3.

Management Expectations

The bank management stated that they maintain their expectations for 2025 and that TL loan growth will be in line with the inflation rate. Additionally, an increase of 200-225 basis points in net interest margin is anticipated throughout the year.

Gökhan Erün: "We Carried Our Global Successes"

Yapı Kredi CEO Gökhan Erün emphasized their achievements in international markets. He announced that they made significant strides with the issuance of a 600 million dollar AT1 bond and a 1.2 billion dollar syndicated loan.