Akbank T/A/S S/Adr (AKBTY) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Dear friends, this is Kaan speaking. Thank you for joining us. I hope you are all well. Today, we will first walk you through our financial performance underpinned by disciplined balance sheet management, strong fee momentum, resilient capital metrics, and continued progress across our strategic priorities. Our earnings reflect not only the current operating environment, but also the structural strengths of our business model. Building on this performance, we will share our guidance for the years ahead, shaped by a prudent assessment of the operating environment. Our focus remains on risk-adjusted returns reflecting our commitment to sustainable profitability and prudent risk management. At the same time, we will frame these near-term priorities within our three-year outlook, where we see clear opportunities to reinforce earnings durability, enhance efficiency, and deepen customer penetration. Our direction remains centered on executing today while positioning the bank for consistent and profitable growth over the coming years. Dear friends, before moving on to our bank, I would like to briefly touch upon the operating environment. Global financial conditions and risk appetite are expected to remain favorable for emerging markets, supported by continued Fed rate cuts along with a tight spread and subdued commodity price environments. World growth remains resilient despite trade policy uncertainties driven by AI and technology investments and more supportive financial conditions. In Turkey, domestic demand and economic activity continue to grow, albeit at a more moderate pace. Consumer inflation is on a gradual downward trend. Central bank is expected to be attentive to inflation risk with cautious and measured rate cuts, while microprudential regulations are set to r...