Turkiye Garanti Bankasi Anonim Sirketi (TKGBF)
OTHER OTC:TKGBF
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 emphasizes strong franchise metrics — robust loan and deposit growth, high and improving NIM, substantial fee acceleration, solid capital ratios and clear guidance for continued margin and earnings expansion. Headwinds are mainly operational or regulatory and include elevated OpEx, normalization of cost of risk, a Q4 tax-related one-off and constraints from macroprudential measures. Management presents these as manageable, conservative or investment-driven, with mitigants (fee diversification, liquidity buffer, capital generation).Company Guidance
Strong Profitability and Net Income Growth
Cumulative net income of TRY 111 billion in 2025, up 21% year-on-year, delivering a 29% ROE for the year (Q4 ROE would be ~30% excluding tax-regulation one-off). Management emphasizes sector‑leading earnings generation and capital‑generative growth.
Robust Core Banking Revenues and NIM Leadership
Core banking revenues grew for the eighth consecutive quarter; Q4 core banking revenues rose 11% quarter-on-quarter and reached TRY 300 billion (declared highest among peers). Net interest margin recovered by 60 bps in Q4 to 5.4%, and annual net interest income including swap cost doubled year-on-year.
Very Strong TL Loan Growth and Market Share Gains
TL loan portfolio reached TRY 1.7 trillion; TL loans grew 10% quarter-on-quarter in Q4 and 45% year-on-year for 2025, outpacing the operating plan and achieving market share gains across retail and SME products.
Customer Funding Franchise and Liquidity
Total customer deposits exceeded TRY 3 trillion and represent 69% of assets. TL deposit market share among private peers increased to 21%; demand deposits account for 41% of total deposits. Foreign-currency liquidity buffer of $7.1 billion supports $9.8 billion total external debt (short-term $3.5 billion).
Fee Income Momentum and Wealth Management Gains
Fee base grew 50% year-on-year in 2025, driven by payment systems, lending-related and money-transfer fees. Mutual fund market share rose by 1.3 percentage points to 11.6%; management targets 30–35% fee growth for 2026.
Capital Strength and Solvency
Consolidated CET1 ratio at 13.1% in Q4; capital adequacy ratio 17.5% (without BRSA forbearance). Reported TRY 179 billion of excess capital and ongoing issuance (subordinated bonds totaling $2.45 billion over last two years) to support growth.
Guidance: Growth, Margin Expansion and ROE Target
2026 guidance includes TL loan growth of 30–35%, net interest margin expansion of ~75 basis points, net cost of risk normalizing to 2–2.5%, fee growth of 30–35%, and a target of mid-single-digit positive real ROE (assumes year-end inflation ~25% and policy rate ~32%).
Improving Asset-Quality Trends in Retail and SME
Management reports improvement in retail NPL roll rates (around 40% improvement year-on-year) and credit-card roll rates (~20–25% improvement). SME NPL roll rate in January was ~20% lower than last year; FX Stage-2 coverage remains healthy at 16%.
Turkiye Garanti Bankasi Anonim Sirketi (TKGBF) Earnings, Revenues Date & History
TKGBF 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
TKGBF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $3.59 | $3.58 | -0.53% |
Oct 30, 2025 | $2.91 | $2.93 | +0.65% |
Jul 30, 2025 | $3.26 | $3.37 | +3.25% |
Apr 28, 2025 | $3.60 | $3.60 | 0.00% |
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 (TKGBF) report earnings?
Turkiye Garanti Bankasi Anonim Sirketi (TKGBF) is schdueled to report earning on Apr 29, 2026, TBA (Confirmed).
What is Turkiye Garanti Bankasi Anonim Sirketi (TKGBF) earnings time?
Turkiye Garanti Bankasi Anonim Sirketi (TKGBF) 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 TKGBF EPS forecast?
Currently, no data Available