Türkiye Is Bankasi A.S. (ISCTR) Earnings Call Transcripts

Türkiye Is Bankasi A.S.'s Latest Earnings Call - Q1 FY2026

In the first quarter of 2026, Türkiye Is Bankasi A.S. reported a net profit increase of 64% year-over-year, driven by strong fee income growth and effective balance sheet management. The bank achieved swap adjusted net interest income of TRY 38 billion, reflecting an 8% quarterly increase and a remarkable 218% annual growth. Management maintained its guidance for full-year net interest margin at 5% and fee income growth at 40%, despite geopolitical uncertainties impacting the macroeconomic environment.

Reported metrics

Guidance from management

Management maintained full-year guidance for net interest margin at 5% and fee income growth at 40%, despite acknowledging potential downside risks due to geopolitical tensions. They expect loan growth in the mid-30s percentage range.

What management said

Maybe I can go through the effect of the securities yield curve, the movement there. At the moment, I can say that in -- by the end of April, it is at least half of the negative impact has been come back under the -- our equities. But of course, from now on, there is still way to go.

Thank you very much for your participation. We believe today we have disclosed another strong set of results, indicating our expertise in changing operating environments. Regarding the details, let's be in touch. Looking forward to see you all in person soon. Good night. Have a nice day.

What analysts pressed on

Analysts expressed concerns regarding the impact of geopolitical tensions on asset quality and the potential for increased loan restructuring. There were also questions about the sustainability of fee income growth in a volatile economic environment.

Main topics on the call

• Strong Fee Income Growth — Fee and commission income surged 41% annually, reaching TRY 38 billion, supported by healthy volume growth in payment systems and credit card business. Management stated, "The momentum in fee and commission income remain...
• Net Interest Margin Outlook — The swap adjusted net interest margin improved by 10 basis points quarter-on-quarter to 3.8%. Management expects NIM to continue expanding in the second half of the year, contingent on the resumption of the rate cut cycl...
• Asset Quality Stability — The bank's NPL ratio stood at 3.5%, consistent with guidance, and management expressed confidence in maintaining asset quality despite geopolitical tensions. They noted, "We are monitoring the Stage 2 portfolio closely,"...
• Operational Expenses Management — Quarterly OpEx grew 14%, driven by strategic investments in customer acquisition and business development. Management expects OpEx growth to normalize towards mid-40s for the year, indicating a focus on efficiency while ...

Read the full Türkiye Is Bankasi A.S. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 28 Türkiye Is Bankasi A.S. earnings call transcripts on record, spanning January 8, 2020 to August 3, 2026. Based on this history, Türkiye Is Bankasi A.S. reports quarterly. The most recent call on file is dated August 3, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

ISCTR

Exchange

IBSE

Country

TR

Sector

Financials

Industry

Banks

Calls on record

28

First call

January 8, 2020

Most recent

August 3, 2026

Reporting cadence

quarterly