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Turkiye Garanti Bankasi AS (TKGBY)
OTHER OTC:TKGBY
US Market
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Turkiye Garanti Bankasi AS (TKGBY) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 29, 2026
TBA (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.22
Last Year’s EPS
0.17
Same Quarter Last Year
Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 30, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call reflects a strong financial performance with record net income and sustained revenue growth. However, challenges such as increased inflation expectations and Stage 2 loans present potential risks. Overall, the positive aspects significantly outweigh the negative trends, indicating a robust outlook.
Company Guidance
During the third quarter of 2025, Garanti BBVA provided updated guidance, emphasizing a balanced outlook for Turkey's economic growth, with GDP expected to grow by 3.7% in 2025 and 4% in 2026. The bank revised its year-end inflation expectation to 33% and adjusted the policy rate assumption to 38.5%. Despite a slight slowdown in GDP growth, the bank maintained a strong financial performance, achieving a quarterly net income of TRY 30.9 billion, a 9% increase, and a 31% return on equity (ROE) over nine months. The current account deficit is forecasted to be 1.2% of GDP in 2025, while net interest income (NII) grew by 20% due to strategic liquidity management. The bank's net cost of risk expectation was lowered to below 2%, while net interest margin (NIM) expansion guidance was revised to 1.5% to 2%, reflecting an upward revision of the policy rate. Fee growth guidance was also revised, with expectations for fee coverage of operating expenses to be 90% to 95%. The bank's strong capital position was supported by a $700 million Tier 2 issuance, enhancing its capital adequacy ratio.
Record Net Income and Continued Growth
Third quarter net income reached a new record level of TRY 30.9 billion, a 9% quarterly growth, leading to 31% ROE with relatively low leverage.
Sustained Core Banking Revenue Growth
Core banking revenues continued to grow for 7 consecutive quarters, reaching 7.8% of assets, the highest level among peers.
Strong Loan and Deposit Growth
Growth in TL loans was 10% in the third quarter, with credit cards and consumer loans at 15% and 12% respectively. Deposit base grew with a 14% increase in foreign currency deposits.
Effective Margin Management
Core margin improved by 44 basis points through opportunistic liquidity management and proactive funding strategies.
Improved Capital Adequacy
Issued $700 million Tier 2 in October, improving capital adequacy ratio by 92 basis points and reducing currency sensitivity.

Turkiye Garanti Bankasi AS (TKGBY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

TKGBY Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 29, 2026
2025 (Q4)
0.22 / -
0.172
Oct 30, 2025
2025 (Q3)
0.16 / 0.16
0.1542.60% (<+0.01)
Jul 30, 2025
2025 (Q2)
0.15 / 0.16
0.1564.49% (<+0.01)
Apr 28, 2025
2025 (Q1)
0.17 / 0.16
0.164-4.27% (>-0.01)
Jan 29, 2025
2024 (Q4)
0.17 / 0.17
0.231-25.54% (-0.06)
Oct 30, 2024
2024 (Q3)
0.15 / 0.15
0.193-20.21% (-0.04)
Jul 30, 2024
2024 (Q2)
0.15 / 0.16
0.0027700.00% (+0.15)
Apr 29, 2024
2024 (Q1)
0.14 / 0.16
0.1583.80% (<+0.01)
Jan 29, 2024
2023 (Q4)
0.18 / 0.23
0.245-5.71% (-0.01)
Oct 30, 2023
2023 (Q3)
0.19 / 0.19
0.0029550.00% (+0.19)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

TKGBY Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 30, 2025
$3.05$3.10+1.64%
Jul 30, 2025
$3.43$3.51+2.33%
Apr 28, 2025
$2.67$2.64-1.12%
Jan 29, 2025
$3.69$3.67-0.54%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Turkiye Garanti Bankasi AS (TKGBY) report earnings?
Turkiye Garanti Bankasi AS (TKGBY) is schdueled to report earning on Jan 29, 2026, TBA (Confirmed).
    What is Turkiye Garanti Bankasi AS (TKGBY) earnings time?
    Turkiye Garanti Bankasi AS (TKGBY) earnings time is at Jan 29, 2026, TBA (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is TKGBY EPS forecast?
          TKGBY EPS forecast for the fiscal quarter 2025 (Q4) is 0.22.
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