YKBNK Banking
🏢 Company Profile
Corporate, retail, international and investment banking; has branches in the Netherlands, Switzerland, Azerbaijan and Bahrain. Source: Midas company cards, 24.10.2026.
- KOÇ FİNANSAL HİZMETLER AŞ — 40.95%
- KOÇ HOLDİNG ANONİM ŞİRKETİ — 20.22%
- ZİRAAT PORTFÖY BIST LİKİT BANKA ENDEKSİ HİSSE SENEDİ YOĞUN BORSA YATIRIM FONU — 4.14%
- Last quarter (2026/6): sales 107770000000 TL, net profit margin 28.8% (high)
- Sales growth: YoY %+88.6 (increase).
- Net profit growth: YoY +36.3% (increase).
- Owners' Equity Growth: YoY %+5.7 (increase)
- Asset turnover 0.1 (TTM revenue / total assets) — heavy asset base (may be the norm for a capital-intensive sector).
- Financial liabilities / owners' equity 0% (low leverage); total liabilities (short+long) / owners' equity 0%.
- Current ratio (TradingView balance sheet section) 0.3 — short-term liability pressure.
- Multiples: P/E 5.5 · P/B 1.1.
- Source: İş Yatırım quarterly financial statements + TradingView TTM (06.10.2026); comments are generated with fixed threshold rules and are not investment advice.
| Total Assets | 3.572.4 mlr TL | Total Debt | 1.985.9 mlr TL |
| Current Assets | 543.3 billion TL | Equity | 286.5 mlr TL |
| Financial Debt | — | Net Profit | 31.0 mlr TL |
📋 Announced Financial Statements· manually added financial table summary · last pull: 2026-09-23
| Period | Net Interest Income (mlr TL) | Net Profit (mlr TL) | Profit Margin | Total Assets (mlr TL) | Equity (mlr TL) |
|---|---|---|---|---|---|
| 2026/6 | 107.8 (+ 88.6% YoY) | 31.0 (+ 36.3% YoY) | 28.8% | 3,572.4 | 286.5 |
| 2026/3 | 53.6 (+ 104.7% YoY) | 20.3 (+ 77.7% YoY) | 37.9% | 3,402.3 | 271.1 |
| 2025/12 | 144.6 (+ 90.5% YoY) | 47.1 (+ 62.3% YoY) | 32.6% | 3,171.6 | 255.6 |
| 2025/9 | 97.2 (+ 80.5% YoY) | 37.8 (+ 68.8% YoY) | 38.9% | 3,040.8 | 241.3 |
| 2025/6 | 57.2 (+ 44.1% YoY) | 22.7 (+ 30.7% YoY) | 39.8% | 2,806.3 | 221.7 |
| 2025/3 | 26.2 (+ 15.6% YoY) | 11.4 (+ 10.8% YoY) | 43.6% | 2,543.8 | 205.7 |
| 2024/12 | 75.9 | 29.0 | 38.2% | 2,380.6 | 192.8 |
| 2024/9 | 53.8 | 22.4 | 41.6% | 2,331.0 | 191.0 |
| 2024/6 | 39.7 | 17.4 | 43.9% | 2,178.2 | 183.1 |
| 2024/3 | 22.6 | 10.3 | 45.5% | 2,010.8 | 180.6 |
Income statement items (net interest income and net profit) are cumulative from the beginning of the year; balance sheet items are period-end balances. Source: İş Yatırım financial statements (based on KAP disclosures).
🔎 Fundamental Analysis Summary · automatic
- Net profit margin 6.7% (normal net profit margin).
- Current ratio 0.32 — under short-term liability pressure.
Rule-based summary: It is generated from İş Yatırım financial statements (TTM) and TradingView base data with fixed thresholds; no LLM, no hallucination risk. It is not investment advice.
Valuation and Profitability · single source, last 12 months
Last 5 trading days return: -2.4%
| Market value | 291.3 billion TL |
| Equity (2026/6) | 286.5 billion TL |
| Net profit (last 12 months) | 55.4 billion TL |
| P/E (last 12 months) | 5.3 |
| P/B | 1.02 |
| ROE (last 12 months) | 19.3% |
| Financial debt / equity | — |
Source: İş Yatırım financial statements (KAP disclosures) — same source as the balance sheet table.
Macro Sensitivity · Banking sector
Regime: high inflation + tight monetary policy (6.27 point real interest) · moderate domestic demand
| Trend | positive |
| Score | +2 |
| Channels | interest rate increase, domestic demand increase |
Sector sensitivity matrix x current macro regime; detail Macroeconomic Evaluation.
Technical Status
| General | STRONG SELL |
| Short term (EMA 5-8-13-21) | SELL |
| Medium term (EMA 34-55) | SELL |
| Long term (EMA 89-144) | SELL |
| Wave Trend (indicator) | SELL |
| Channel position | 13% |
| Trend strength (r) | 0.12 |
| Score | 0 |
EMA sequence + Wave Trend + 60-day regression channel. Details: Technical Scan · Stock Center
Last 7 Days News
- HOW MUCH IS THE YAPI KREDİ PROMOTION? How Much Promotion Does Yapı Kredi Give in October? Promotion Amount by Salary 2026 — CNN Türk · 29.10
- Volume war at Borsa Istanbul: As Yapı Kredi sells, HSBC... — Hisse.net · 29.10
- YAPI VE KREDI BANK. (YKBNK) Stock — Mynet Finans · 28.10
- Yapı Kredi gives a 10 thousand TL non-refundable reward! Last day October 31 — Kesin Karar · 25.10
- Collaboration between Lexus and Yapı Kredi Leasing! — Motor1.com Türkiye · 23.10
📋 KAP Notifications
- October 23 15:11 — Circuit Breaker Notification on a Share Basis→
- 22 Ekim 11:48 — Default Transaction→
- October 22 10:18 — Default Transaction→
- 21 October 18:12 — SPK Transaction Ban Due to Share Announcement →
- 12 October 14:05 — VIOP Transaction Cancellation Announcements→
- 30 September 15:17 — Circuit Breaker Notification on a Share Basis→
- 30 September 14:02 — SPK Transaction Ban Due to Share Announcement →
- 24 September 17:07 — Debt Instruments, Investment Funds and Warrant Redemption/Coupon/Yield/Cash Settlement Payment Transactions→
All notifications: KAP →
📝 Evaluations· prepared manually · last update: 23.09.2026
📈 Technical Analysis
Yapı Kredi is trading at 36.88 TL with a 0.33% premium on September 23, 2026. Short-term EMA and Wave Trend in BUY position; medium and long-term WAIT — table at 2/4 NEUTRAL level. Channel position at 64%, trend strength (r) 0.16 indicates a structure where the direction has not yet become clear. The stock is priced 8% above the 60-day low of 34.02 TL and 20% below the peak of 45.82 TL; showing a relatively lagging performance despite the strong trend in the banking index.
🌍 Macroeconomic Evaluation
Yapı Kredi's special bank profile, main beneficiary of the disinflation program: TÜFE's decline to 31.5% and interest rate cut expectations have the potential to support credit volumes and net interest margin in the second half of 2026. Group synergy under Koç Holding provides a competitive advantage in the corporate customer base; foreign investor perception is improving after the simplification with UniCredit partnership. Balanced performance of USD/TL at 48.83 level and decrease in CDS premium are feeding corporate entry into Turkish banking assets; large private banks are the first stops of this rotation. Scale economy of digitalization investments provides protection against branch cost inflation. Stability of deposit behavior in an environment where gram gold is at 6.786 TL maintains the funding base. Main risks; slower-than-expected decline in inflation, regulatory burdens and macroprudential limits on credit growth.
🧾 Balance Sheet Evaluation
Yapı Kredi increased its net profit by 36.3% annually in the first half of 2026; with a net profit of 10.7 billion TL (-5.4%) in the second quarter, it slightly declined compared to the high base of the previous year. The bank, which generated a total of 55.4 billion TL net profit in the last four quarters, is positioned in the middle among large private banks with a market value of ~312 billion TL, ~5.6x P/E and ~1.1x P/B ratios. Since FD/EBITDA is not meaningful in banking, valuation is carried out on P/E, P/B and ROE axes. ROE of 19.3 in the last four quarters is strong; increase in fee-commission income and digital channel efficiency support profit quality. The decrease in profit/revenue ratio from 39.8% in the first half of the previous year to 19.8% indicates that the securities gain base has been adjusted; conversely, 6-month profit growth of 36.3% shows it is leading among private banks. Asset quality and provision buffers are solid; position in individual and SME banking is maintained. Dividend policy is regular; capital adequacy is comfortable. In summary, Yapı Kredi; a balanced member of the bank basket with strong profit growth, reasonable multiples and quality income composition; the relative lag in price performance leaves room for valuation.
This section is manually updated; for informational purposes only, not investment advice.