Halkbank Reports 27.1 Billion TL Net Profit for 2025, Exceeding Market Expectations

Annual Profit Increases by 23 Percent Türkiye Halk Bankası A.Ş.
(Halkbank) has announced its financial results for 2025.
The bank exceeded market expectations of 6.3 billion TL by posting a net profit of 6.9 billion TL in the final quarter of the year, significantly increasing its annual profitability.
Halkbank's total net profit for 2025 reached 27.1 billion TL, a 23 percent increase from the 22 billion TL recorded the previous year.
The bank's interest income rose by 35 percent year-on-year to 918 billion TL, with subsidiary income and tax adjustments serving as key drivers of profitability.
A notable improvement was observed in operational performance regarding the net interest margin.
The net interest margin, adjusted for swap costs, rose to 2.8 percent for the full year of 2025, up from 1.6 percent in 2024.
Strong Growth in Commission Income Net fee and commission income saw a robust annual increase of 62 percent.
The distribution of these revenues was as follows: Payment systems: 42 percent Money transfers: 22 percent While the fourth-quarter profit remained consistent with the same period of the previous year, it experienced a 13 percent contraction compared to the third quarter.
The bank's return on equity (ROE) rose to 14.8 percent by year-end, while the non-performing loan (NPL) ratio was recorded at 4 percent.
Strategic Targets for 2026 Halkbank also shared its strategic targets for 2026, operating under the assumption that the policy interest rate will be 28 percent.
In this context, the bank aims for a net interest margin exceeding 4 percent and a return on equity that surpasses inflation.