
Yapi Ve Kredi Bankasi AS (YKBNK) Earnings: 2025 Outlook Promising Despite Current Net Income Missζ
- Yapi Kredi’s net income for the fiscal year was 29 billion liras, missing the estimate of 31 billion liras and decreasing by 57% from the previous year.
- Net interest income increased slightly by 4.1% year-over-year, reaching 75.9 billion liras.
- Fee and commission income showed significant growth, rising to 73.1 billion liras from 34.5 billion liras year-over-year.
- For 2025, the lira loan growth is expected to be below average inflation.
- Foreign exchange loan growth is anticipated to be in the mid-teens in 2025.
- The net interest margin (NIM) is projected to improve by approximately 300 basis points in 2025.
- Fee growth for 2025 is expected to be between 25% and 30%.
- Cost growth for 2025 is projected to remain below 50%.
- The total cost of risk (CoR) is seen at between 150 basis points and 175 basis points for 2025.
- Return on tangible equity (RoTE) for 2025 is predicted to be in the mid-20% range.
- Analyst recommendations include 15 buy ratings and 6 hold ratings, with no sell ratings.
A look at Yapi Ve Kredi Bankasi As Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 5 | |
| Growth | 4 | |
| Resilience | 2 | |
| Momentum | 4 | |
| OVERALL SMART SCORE | 3.8 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Yapi Ve Kredi Bankasi As, a financial institution with a diverse range of services including retail and corporate banking, asset management, and insurance, has received varying scores in different aspects of its operations according to Smartkarma Smart Scores. The bank scored high in Dividend with a rating of 5, showcasing its commitment to rewarding shareholders. It also received strong scores in Value and Growth, indicating solid financial performance and potential for expansion. However, its Resilience score was lower, suggesting some potential vulnerabilities in the face of economic challenges. With a Momentum score of 4, the bank is showing positive traction in the market.
Overall, Yapi Ve Kredi Bankasi As seems to be in a favorable position for long-term success, considering its strong performance in Dividend, Value, Growth, and Momentum. However, attention may need to be given to improving its Resilience score to better navigate unexpected economic downturns. With a diverse portfolio of services spanning banking, asset management, and insurance, the bank appears well-positioned to weather market fluctuations and capitalize on growth opportunities in the future.
Summary: Yapi Ve Kredi Bankasi As is a versatile financial institution offering a wide range of services including retail and corporate banking, asset management, insurance, and more. The Group also has interests in publishing, real estate, and telecommunications sectors, showcasing a diversified portfolio of business activities.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
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