Yapi Kredi stock faces a 47.22 percent profit drop

Published on 10/01/2026 at 03:43 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Yapi Kredi posted TRY 10.7 billion in Q2 2026 net income, down from TRY 20.3 billion in Q1. First-half loans rose 33 percent year over year.

Yapi Kredi, TRAYKBNK91N6, Illustration mit AI erstellt.

Yapi Kredi stock faces a 47.22 percent quarterly profit drop after the bank reported TRY 10.7 billion in Q2 2026 net income, compared with TRY 20.3 billion in Q1. The first-half balance sheet still expanded, with total assets reaching TRY 4.0 trillion as of June 30, 2026.

Second-quarter profit loses ground

According to Investing.com, Yapi Kredi's first-half 2026 net profit reached TRY 31.0 billion, an increase of 36 percent from the comparable period. The same report put tangible return on equity at 23.4 percent and year-to-date net interest margin at 2.9 percent.

The quarterly comparison is less favorable. Net income fell 47.22 percent from Q1 to Q2, while net interest income increased from TRY 58.27 billion to TRY 59.52 billion over the same periods. That contrast points to pressure elsewhere in the income statement rather than a contraction in core interest income.

Loans expand despite volatility

Yapi Kredi said its total cash and non-cash loans grew 33 percent year over year to TRY 3.0 trillion in the first half of 2026. The bank also reported 734 branches, 6,208 ATMs and approximately 15,000 employees on its investor-relations page.

Investing.com reported a first-half risk cost of 201 basis points, while management maintained its 2026 outlook for tangible return on equity in the mid-to-high 20 percent range and net interest margin improvement above 100 basis points. The risk-cost figure is the key counterweight to the loan expansion because higher provisions can limit the earnings benefit of balance-sheet growth.

Next results arrive in November

According to Makkler, Yapi Kredi's next earnings report is scheduled for November 2, 2026, with a consensus EPS estimate of TRY 1.96 and revenue estimate of TRY 81.91 billion. That date gives investors the next formal checkpoint for loan growth, margins and credit costs.

Market value and yearly range

Yapi Kredi's market capitalization stood at TRY 287.5 billion on Borsa Istanbul on September 30, 2026. Its 52-week range was TRY 27.14 to TRY 44.50, placing the bank's valuation in a wide trading band as investors weigh balance-sheet growth against quarterly earnings volatility.