Financial Ratios Türkiye Halk Bankasi

Equities

HALKB

TRETHAL00019

Banks

Delayed Borsa Istanbul Other stock markets 16:38:22 17/04/2026 +03			5-day change	1st Jan Change
40.50 ^TRY	+2.74%		+1.35%	+10.22%

04-10	Turkey - Factors to Watch on April 10	RE
04-09	Halk Bankasi says Meltem Taylan Aydin has been elected as chairman, Recep Suğleyman Özdil has been elected as general manager	RE

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Published financial data: TÜRKIYE HALK BANKASI

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	55.02B	87.11B	193B	441B	551B
Interest Income On Investments	35.11B	69.52B	119B	237B	367B
Interest Income, Total	90.12B	157B	312B	678B	918B
Interest On Deposits	42.07B	64.52B	238B	559B	700B
Total Interest On Borrowings	22.01B	21.93B	27.39B	75.8B	122B
Interest Expense, Total	64.08B	86.46B	266B	635B	822B
Net Interest Income	26.05B	70.17B	46.01B	43.09B	96.58B
Income From Trading Activities	18.61B	8.15B	32.71B	-11.64B	11.81B
Gain (Loss) on Sale of Assets	398M	890M	1.43B	788M	805M
Total Other Non Interest Income	-20.47B	-1.51B	-9.7B	61.13B	77.11B
Non Interest Income, Total	-1.46B	7.53B	24.44B	50.27B	89.72B
Revenues Before Provison For Loan Losses	24.59B	77.7B	70.45B	93.37B	186B
Provision For Loan Losses	12.12B	37.16B	3.79B	10.14B	38.54B
Total Revenues	12.46B	40.54B	66.66B	83.23B	148B
Salaries And Other Employee Benefits	4.63B	8.84B	20.25B	31.77B	52.2B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	766M	1.66B	2.8B	3.38B	5.26B
(Income) Loss on Equity Invest.	-36.24M	-110M	-210M	-352M	-463M
Total Other Non Interest Expense	5.22B	8.98B	21.35B	29.33B	54.89B
Non Interest Expense, Total	10.58B	19.38B	44.18B	64.13B	112B
EBT, Excl. Unusual Items	1.89B	21.16B	22.47B	19.09B	35.87B
Asset Writedown	-3.02M	-8.66M	-25.58M	-54.31M	-108M
Other Unusual Items	-	-	-7.12B	-	-
EBT, Incl. Unusual Items	1.88B	21.16B	15.33B	19.04B	35.76B
Income Tax Expense	38.49M	5.68B	-2.43B	-4.19B	6.84B
Earnings From Continuing Operations	1.84B	15.47B	17.75B	23.23B	28.92B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.84B	15.47B	17.75B	23.23B	28.92B
Minority Interest	-8.49M	-5.79M	-922M	-1.19B	-1.79B
Net Income - (IS)	1.84B	15.47B	16.83B	22.04B	27.13B
Net Income to Common Incl Extra Items	1.84B	15.47B	16.83B	22.04B	27.13B
Net Income to Common Excl. Extra Items	1.84B	15.47B	16.83B	22.04B	27.13B
Per Share Items
Net EPS - Basic	0.74	3.45	2.53	3.07	3.78
Basic EPS - Continuing Operations	0.74	3.45	2.53	3.07	3.78
Basic Weighted Average Shares Outstanding	2.47B	4.48B	6.64B	7.18B	7.18B
Net EPS - Diluted	0.74	3.45	2.53	3.07	3.78
Diluted EPS - Continuing Operations	0.74	3.45	2.53	3.07	3.78
Diluted Weighted Average Shares Outstanding	2.47B	4.48B	6.64B	7.18B	7.18B
Normalized Basic EPS	0.47	2.95	1.98	1.5	2.87
Normalized Diluted EPS	0.47	2.95	1.98	1.5	2.87
Dividend Per Share	-	-	-	-	-
Payout Ratio	-	-	-	-	-
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	2.04	26.87	-15.83	-21.99	19.13
Total Current Taxes	188M	17.05B	1.36B	2.5B	3.97B
Total Deferred Taxes	-149M	-11.36B	-3.79B	-6.69B	2.87B
Normalized Net Income	1.17B	13.22B	13.12B	10.74B	20.63B
Non-Cash Pension Expense	221M	511M	955M	1.68B	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	64.01B	85.66B	152B	669B	931B
Investment Securities, Total	227B	346B	598B	743B	1,104B
Trading Asset Securities, Total	10.07B	37.66B	3.79B	4.53B	15.03B
Total investments	238B	384B	602B	748B	1,119B
Gross Loans	566B	878B	1,337B	1,551B	2,149B
Allowance For Loan Losses	-23.28B	-54.18B	-49.97B	-44.95B	-68.44B
Other Adjustments to Gross Loans	-1.3B	-2.26B	-6.05B	-6.67B	-15.07B
Net Loans	541B	822B	1,281B	1,500B	2,066B
Gross Property Plant And Equipment	9.76B	19.33B	33.89B	55.14B	90.77B
Accumulated Depreciation	-2.63B	-3.75B	-6.11B	-9.46B	-13.45B
Net Property Plant And Equipment	7.13B	15.58B	27.78B	45.68B	77.32B
Other Intangibles, Total	680M	839M	2.1B	3.45B	5.73B
Investment in Real Estate	1.37B	2.11B	15.09B	25.35B	49.73B
Other Receivables	2.01M	10.86M	-	7.14M	103M
Restricted Cash	66.53B	87.23B	156B	-	-
Other Current Assets, Total	2.48M	1.77M	3.52M	55.7B	102B
Deferred Tax Assets Long-Term (Collected)	231M	8.52B	14.51B	23.85B	19.38B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	13.18B	28.56B	47.02B	73.18B	127B
Total Assets	932B	1,434B	2,297B	3,144B	4,497B
Liabilities
Accounts Payable, Total	2.12M	1.14M	16.98M	33.26M	21.7M
Interest Bearing Deposits	618B	1,049B	1,858B	2,305B	3,141B
Non-Interest Bearing Deposits	29.76B	40.3B	72.56B	156B	467B
Total Deposits	647B	1,090B	1,931B	2,461B	3,608B
Short-Term Borrowings	9.77B	1.86B	4.34B	32.16B	33.54B
Current Portion of Long-Term Debt	143B	118B	45.49B	268B	263B
Current Portion of Leases	41.42M	79.59M	62.1M	247M	307M
Long-Term Debt	37.59B	43.84B	63B	86.39B	180B
Long-Term Leases	1.02B	1.44B	2.23B	3.98B	8.33B
Current Income Taxes Payable	949M	9.68B	5.18B	9.69B	19.17B
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	100M	104M	179M	260M	462M
Pension & Other Post Retirement Benefits	2.32B	5.39B	8.3B	7.08B	9.99B
Deferred Tax Liability Non-Current	2.15M	2.15M	2.15M	3.05B	9.23B
Other Non Current Liabilities	45.75B	76.18B	94.41B	102B	143B
Total Liabilities	888B	1,346B	2,154B	2,974B	4,274B
Common Stock, Total	2.47B	4.97B	7.18B	7.18B	7.18B
Additional Paid In Capital	5.82B	16.72B	44.51B	44.51B	44.51B
Retained Earnings	33.11B	48.95B	71.16B	89.21B	117B
Comprehensive Income and Other	2.33B	16.36B	18B	25.66B	49.66B
Total Common Equity	43.73B	87B	141B	167B	218B
Minority Interest	282M	427M	2.07B	3.38B	4.58B
Total Equity	44.01B	87.43B	143B	170B	223B
Total Liabilities And Equity	932B	1,434B	2,297B	3,144B	4,497B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.47B	4.97B	7.18B	7.18B	7.18B
ECS Total Common Shares Outstanding	2.47B	4.97B	7.18B	7.18B	7.18B
Book Value / Share	17.68	17.51	19.6	23.18	30.39
Tangible Book Value	43.05B	86.16B	139B	163B	213B
Tangible Book Value Per Share	17.4	17.34	19.31	22.7	29.59
Total Debt	191B	165B	115B	391B	484B
Deposits at Interest - Cash	1M	2.16B	14.26B	-	96.77B
Net Debt	92.87B	42.05B	-80.42B	-282B	-462B
Equity Method Investments, Total	1.2B	1.69B	3.43B	3.41B	4.8B
Full Time Employees	20.27K	20.78K	22.09K	21.4K	22.58K
Number Of Offices	1.02K	1.04K	1.08K	-	1.11K
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.84B	15.47B	16.83B	22.04B	27.13B
Depreciation, Depletion & Amortization	774M	943M	2.07B	2.91B	4.28B
Amortization of Goodwill and Intangible Assets - (CF)	229M	258M	591M	757M	1.43B
Total Depreciation, Depletion & Amortization	1B	1.2B	2.66B	3.67B	5.71B
Change in Trading Asset Securities	-9.52B	-9.27B	-5.05B	-12.77B	-2.89B
Change in Other Net Operating Assets (Collected)	-21.83B	-311B	-460B	11.94B	-605B
Other Operating Activities	-33.46B	-51.47B	-175B	-117B	-77.6B
Cash from Operations	-61.97B	-355B	-621B	-92.51B	-653B
Capital Expenditure	-1.46B	-3.29B	-9.12B	-16.72B	-18.13B
Sale of Property, Plant, and Equipment	2.72B	3.06B	4.96B	-	-
Cash Acquisitions	-	-	-	-	-100M
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-19.12B	-65.09B	-96.92B	-53.95B	-177B
Other Investing Activities, Total	-270M	-417M	-1.85B	-2.19B	-4.03B
Cash from Investing	-18.14B	-65.74B	-103B	-72.86B	-199B
Long-Term Debt Issued, Total	12.53B	25.86B	4.96B	45.68B	54.76B
Total Debt Issued	12.53B	25.86B	4.96B	45.68B	54.76B
Long-Term Debt Repaid, Total	-18.16B	-16.19B	-6.35B	-34.98B	-6.58B
Total Debt Repaid	-18.16B	-16.19B	-6.35B	-34.98B	-6.58B
Issuance of Common Stock	-	13.4B	30B	-	-
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	82.13B	404B	727B	393B	873B
Other Financing Activities, Total	-	-826K	-1.55M	-	-2.94M
Cash from Financing	76.49B	427B	756B	404B	921B
Foreign Exchange Rate Adjustments	24.03B	15.56B	34.12B	23.77B	37.92B
Net Change in Cash	20.41B	21.97B	66.01B	262B	107B
Supplemental Items
Cash Interest Paid	62.21B	79.81B	54.05B	628B	828B
Cash Income Tax Paid (Refund)	479M	9.36B	11.14B	3.32B	-
Net Debt Issued / Repaid	-5.63B	9.67B	-1.4B	10.7B	48.18B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.23	1.31	0.95	0.85	0.76
Return On Equity %	4.25	23.54	15.12	14.85	14.72
Return on Common Equity	4.26	23.66	14.54	14.34	14.1
Shareholders Value Added	-3.11B	7.88B	3.53B	4.35B	5.47B
Margin Analysis
SG&A Margin	42.43	25.46	34	41.48	38.15
Net Interest Income / Total Revenues %	208.96	173.09	69.02	51.78	65.36
EBT Excl. Non-Recurring Items Margin %	15.13	52.2	33.72	22.94	24.28
Income From Continuing Operations Margin %	14.8	38.16	26.63	27.91	19.57
Net Income Margin %	14.73	38.15	25.25	26.48	18.36
Net Avail. For Common Margin %	14.73	38.15	25.25	26.48	18.36
Normalized Net Income Margin	9.39	32.61	19.69	12.91	13.96
Asset quality
Nonperforming Loans / Total Loans %	3.05	2.2	1.5	-	3.83
Nonperforming Loans / Total Assets %	1.85	1.35	0.87	-	1.83
Nonperforming Assets / Total Assets %	2.34	1.68	1.02	-	1.83
NPAs / Loans and OREO	3.85	2.74	1.75	-	3.83
NPAs / Equity	49.48	27.5	16.39	-	36.88
Allowance for Credit Losses / Net Charge-offs %	-985.89	-2.38K	-962.67	-	-640.53
Allowance for Credit Losses / Nonperforming Loans %	135.08	279.88	249.64	-	83.23
Allowance for Credit Losses / Total Loans %	4.12	6.17	3.74	2.9	3.18
Provision for Loan Losses / Net Charge-offs %	-513.44	-1.63K	-73.04	-	-360.75
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.3	5.53	6.2	5.65	5.04
Total Average Equity / Total Average Assets %	5.33	5.56	6.29	5.75	5.14
Total Equity + Allowance for Loan Losses / Total Loans %	11.85	16.08	14.27	13.63	13.34
Gross Loans / Total Deposits %	87.36	80.58	69.25	63.05	59.57
Net Loans / Total Deposits %	83.56	75.4	66.35	60.95	57.26
Tier 1 Capital Ratio %	11.57	12.07	13.24	-	13.02
Total Capital Ratio %	13.9	13.89	14.68	-	15.56
Core Tier 1 Capital Ratio	8.84	9.99	10.92	-	10.25
Tier 2 Capital Ratio	2.33	1.83	1.46	-	2.55
Coverage Ratio	135.08	279.88	249.64	-	83.23
Interbank Ratio	2.88	7.11	44.32	10.19	11.45
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	1.09	1.96	1.56	1.25	1.29
EBT + Interest Expense / Interest Expense	1.03	1.24	1.06	1.03	1.04
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	33.32	238.26	-34.44	-6.33	124.11
Non Interest Income, 1 Yr. Growth %	189.56	96.02	121.43	105.69	78.47
Provision For Loan Losses, 1 Yr. Growth %	73.64	206.56	-89.8	167.45	280.13
Total Revenues, 1 Yr. Growth %	3.42	225.26	51.32	24.86	77.53
Earnings From Cont. Operations, 1 Yr. Growth %	-33	738.8	-6.47	30.83	24.51
Net Income, 1 Yr. Growth %	-50.17	742.36	-8.31	30.94	23.11
Normalized Net Income, 1 Yr. Growth %	-46.51	1.03K	-11.3	-18.13	91.98
Diluted EPS Before Extra, 1 Yr. Growth %	-45.97	365.46	-38.22	21.09	23.11
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Gross Loans, 1 Yr. Growth %	21.77	55.25	52.29	16.01	38.54
Allowance For Loan Losses, 1 Yr. Growth %	34.06	132.75	-7.77	-10.04	52.25
Net Loans, 1 Yr. Growth %	21.32	51.87	55.93	17.06	37.74
Non Performing Loans, 1 Yr. Growth %	-2.61	12.33	3.41	-	150.6
Non Performing Assets, 1 Yr. Growth %	-2.59	10.4	-2.58	-	150.6
Total Assets, 1 Yr. Growth %	33.82	53.9	59.7	36.87	43.04
Total Deposits, 1 Yr Growth %	38.32	68.3	77.2	27.44	46.62
Tangible Book Value, 1 Yr. Growth %	2.8	100.14	54.39	17.56	30.36
Common Equity, 1 Yr. Growth %	2.86	98.95	55.28	18.26	31.1
Total Equity, 1 Yr. Growth %	2.88	98.65	55.55	18.91	31.19
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	49.36	89.52	48.92	-21.64	44.89
Non Interest Income, 2 Yr. CAGR %	-16.81	286.51	152.26	113.41	91.6
Provision For Loan Losses, 2 Yr. CAGR %	61.07	130.72	-44.08	-47.76	218.85
Total Revenues, 2 Yr. CAGR %	16.96	83.41	131.25	37.45	48.89
Earnings From Cont. Operations, 2 Yr. CAGR %	-6.27	137.06	210.24	10.62	27.63
Net Income, 2 Yr. CAGR %	-10.02	104.87	202.77	9.57	26.96
Normalized Net Income, 2 Yr. CAGR %	-11.08	145.85	234.89	-14.78	54.22
Diluted EPS Before Extra, 2 Yr. CAGR %	-33.12	58.58	84.74	-13.51	22.1
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Gross Loans, 2 Yr. CAGR %	33.03	37.5	53.76	32.92	26.78
Allowance For Loan Losses, 2 Yr. CAGR %	39.03	76.64	46.52	-8.91	17.03
Net Loans, 2 Yr. CAGR %	32.76	35.74	53.89	35.1	26.98
Non Performing Loans, 2 Yr. CAGR %	3.53	4.6	7.78	-	-
Non Performing Assets, 2 Yr. CAGR %	1.97	3.7	3.71	-	-
Total Assets, 2 Yr. CAGR %	41	43.51	57.02	47.84	39.92
Total Deposits, 2 Yr CAGR %	46.74	52.58	72.7	50.27	36.69
Tangible Book Value, 2 Yr. CAGR %	16.53	43.44	79.52	34.73	23.8
Common Equity, 2 Yr. CAGR %	17.06	43.05	79.47	35.51	24.52
Total Equity, 2 Yr. CAGR %	16.92	42.96	80.2	36	24.9
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	42.74	81.82	33.04	27.59	11.23
Non Interest Income, 3 Yr. CAGR %	-31.92	52.84	264.68	135.67	101.06
Provision For Loan Losses, 3 Yr. CAGR %	67.08	99.61	-18.41	-5.78	1.23
Total Revenues, 3 Yr. CAGR %	4.31	64.47	76.85	88.31	49.69
Earnings From Cont. Operations, 3 Yr. CAGR %	-11.61	94.6	86.13	132.65	15.07
Net Income, 3 Yr. CAGR %	-11.59	89.64	65.92	128.96	13.91
Normalized Net Income, 3 Yr. CAGR %	-14.48	107.5	81.71	109.4	11.71
Diluted EPS Before Extra, 3 Yr. CAGR %	-29.49	27.69	22.63	60.48	-2.71
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	28.17	40.06	42.26	39.98	34.77
Allowance For Loan Losses, 3 Yr. CAGR %	37.08	65.09	42.24	24.53	8.1
Net Loans, 3 Yr. CAGR %	27.88	38.85	42.16	40.48	35.98
Non Performing Loans, 3 Yr. CAGR %	22.9	6.38	4.2	-	61.96
Non Performing Assets, 3 Yr. CAGR %	27.53	4.71	1.57	-	50.67
Total Assets, 3 Yr. CAGR %	33.88	45.18	48.87	49.99	46.22
Total Deposits, 3 Yr CAGR %	37.22	53.6	60.38	56.06	49.05
Tangible Book Value, 3 Yr. CAGR %	13.93	39.55	49.08	55.9	33.26
Common Equity, 3 Yr. CAGR %	14.29	39.7	49.07	56.17	34.03
Total Equity, 3 Yr. CAGR %	14.21	39.51	49.49	56.88	34.38
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	28.66	53.01	38.72	29.85	37.66
Non Interest Income, 5 Yr. CAGR %	-14.77	12.62	39.51	88.57	181.9
Provision For Loan Losses, 5 Yr. CAGR %	40.6	89.87	7.84	16.76	40.74
Total Revenues, 5 Yr. CAGR %	8.14	29.77	43.43	55.64	65.08
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.2	30.74	46.06	61.73	60.06
Net Income, 5 Yr. CAGR %	-6.24	30.81	44.66	57.59	49.08
Normalized Net Income, 5 Yr. CAGR %	-10.98	32.74	47.63	48.66	56.64
Diluted EPS Before Extra, 5 Yr. CAGR %	-18.2	1.29	3.65	13.08	22.42
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	27.6	32.52	37.86	37.16	35.85
Allowance For Loan Losses, 5 Yr. CAGR %	41.83	61.8	40.78	30.14	31.56
Net Loans, 5 Yr. CAGR %	27.15	31.44	37.71	37.34	35.88
Non Performing Loans, 5 Yr. CAGR %	25.25	24.01	16.61	-	35.97
Non Performing Assets, 5 Yr. CAGR %	28.53	26.86	17.41	-	29.76
Total Assets, 5 Yr. CAGR %	31.41	35.65	42.7	46.33	45.22
Total Deposits, 5 Yr CAGR %	33.9	41.33	50.44	52.26	50.45
Tangible Book Value, 5 Yr. CAGR %	15.39	27.9	36.66	38.76	38.4
Common Equity, 5 Yr. CAGR %	15.63	28	36.9	39.16	38.72
Total Equity, 5 Yr. CAGR %	15.55	27.92	37.07	39.47	39.12