Akbank

Akbank continues to execute with discipline today while transforming for tomorrow through a clear long term vision. The Bank’s strong positioning reflects its proven ability to translate customer-centric strategies into consistent execution, while identifying priority areas for sustainable expansion and maintaining prudent risk management and cost control practices. This disciplined approach reinforces management credibility and underpins the Bank’s ability to navigate evolving market conditions effectively. In 2025, key drivers of profitability included disciplined balance-sheet management and sustained momentum in customer-driven revenues. Supported by its strong capital position and balance-sheet resilience, Akbank pursued selective and quality focused loan growth, with TL loans expanding in line with the Bank’s full-year guidance of over 30% while delivering broad-based market share gains.

 FX loan growth was driven primarily by government backed infrastructure projects and large corporates, allowing the Bank to close its full-year mid-single digit guidance in line. This performance was further supported by strong fee income growth driven by robust customer engagement. As a testament to customer-driven revenue focus and disciplined cost management, the Bank’s fee-to-operating expense ratio further improved to 106% in 2025, +48pp in the last 3 years.

Throughout the period, Akbank maintained a strong focus on asset quality and risk management. Prudent underwriting standards, proactive portfolio monitoring, and a well-diversified asset base continued to underpin balance-sheet resilience, while solvency remained comfortably above regulatory thresholds. Despite maintaining low Stage 2 and Stage 3 loan ratios, the Bank further strengthened its coverage levels, preserving a prudent provisioning stance. This approach reflects Akbank’s commitment to safeguarding asset quality and reinforces the resilience of its balance sheet. The Bank sustained a strong total capital adequacy ratio of 16.8% and a Tier 1 ratio of 13.6%, underscoring its leading capital position among peers and reinforcing confidence in its financial strength and disciplined risk framework.