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Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY)
OTHER OTC:TKGZY
Earnings Data
Report Date
Apr 29, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.17Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong operating and capital results: double-digit loan growth (45% YoY in TL loans), robust fee growth (+50% YoY), improved NIM (5.4% and +60 bps QoQ), solid capital (CET1 13.1%) and ample FX liquidity ($7.1bn). Challenges noted include a one-off Q4 tax impact, elevated operating expense growth (+67%), modestly higher NPL ratio (3.1%) driven by retail/credit cards, negative CPI-linker impact on NIM (~-40 bps), and regulatory/macroprudential uncertainty that could constrain future growth or fees. Management’s guidance is conservative (NIM +75 bps guidance, TL loan growth 30–35% in 2026, cost-of-risk 2–2.5%) and aims for mid-single-digit positive real ROE in 2026. On balance, the positive operating momentum, capital strength and fee diversification outweigh the near-term headwinds and one-offs.Company Guidance
Strong Full-Year Profitability
Cumulative net income of TRY 111 billion, up 21% year-on-year; full-year return on equity (ROE) of 29% (would be ~30% excluding a one-off tax effect in 4Q).
Sustained Core Revenue Momentum
Core banking revenues reached TRY 300 billion and grew for the eighth consecutive quarter; core banking revenues rose 11% quarter-on-quarter in 4Q driven by higher net interest income and resilient fees.
Very Strong Loan Growth (TL)
TL loan portfolio reached TRY 1.7 trillion; TL loans grew 10% quarter-on-quarter in 4Q and 45% for the full year, outpacing the bank's operating-plan guidance and delivering market share gains across retail and SME products.
High Deposit Base and Market Share Gains
Total customer deposits exceeded TRY 3 trillion (69% of assets); TL deposit market share among private peers increased to 21%; demand deposits represent 41% of total deposits, supporting margin resilience.
NIM and Net Interest Income Improvement
Net interest margin recovered by 60 basis points in 4Q to 5.4%; net interest income (including swap cost) roughly doubled year-on-year, and management guides for ~75 bps additional NIM expansion in 2026 under base assumptions.
Robust Fee Revenue Growth
Fee base increased ~50% year-on-year with payment systems fees as the main driver; bank is #1 in money transfer and both life and non-life insurance fees; mutual fund market share rose by 1.3 percentage points to 11.6%.
Strong Capital and Liquidity Position
Consolidated CET1 ratio of 13.1% and total capital adequacy of 17.5% (without BRSA forbearance); excess capital of TRY 179 billion; external debt of $9.8 billion with $7.1 billion FX liquidity buffer.
Successful Wholesale Funding and ESG Innovation
Two new transactions in 2025 increased subordinated bond issuances to $2.45 billion over two years; issued Turkey’s first Biodiversity and Blue-Themed Bond and secured a diversified syndicated loan (including a new 3-year tranche).
Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) Earnings, Revenues Date & History
TKGZY Earnings History
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
TKGZY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $3.79 | $3.71 | -2.13% |
Oct 30, 2025 | $3.05 | $3.10 | +1.51% |
Jul 30, 2025 | $3.43 | $3.51 | +2.42% |
Apr 28, 2025 | $2.67 | $2.64 | -1.27% |
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 Anonim Sirketi 144A (TKGZY) report earnings?
Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) is schdueled to report earning on Apr 29, 2026, TBA (Confirmed).
What is Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) earnings time?
Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) earnings time is at Apr 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 TKGZY EPS forecast?
Currently, no data Available