Banking sector: approx. 70%
Insurance: approx. 15%
Capital markets and investment banking: approx. 10%

Top 3 markets:

1. Turkey: approx. 85%
2. Europe (especially Germany): approx. 10%
3. Middle East: approx. 5%

Türkiye Is Bankasi A.S. generates the majority of its revenues from traditional banking, serving both retail and corporate clients. The insurance sector also contributes significantly to the income, followed by capital markets and investment banking.

The bank's main market is Turkey, which is not surprising given that it is one of the largest banks in the country. Europe, especially Germany, is an important market due to the large Turkish diaspora. The Middle East offers additional growth opportunities as the bank expands its international presence.

Main production sites: Turkey

Türkiye Is Bankasi A.S. is primarily a bank and not a production company in the traditional sense. Therefore, it does not produce physical products but offers financial services. The main activities of the bank include providing banking services such as loans, deposits, asset management, and other financial products.

The services are mainly provided in Turkey, with the bank also operating international branches and subsidiaries to offer its services globally.

Revenue Growth: Estimated 10% (2025) Profit Growth: Estimated 8% (2025)

Türkiye Is Bankasi A.S. pursues a growth strategy focused on digitization and innovation. The company is heavily investing in the development of digital services to expand its customer base and increase efficiency.

Another key focus is on expanding into international markets, particularly in regions with high growth potential. The bank plans to strengthen its presence in these markets through strategic partnerships and acquisitions.

In addition, Türkiye Is Bankasi is focusing on sustainable financing projects to meet the increasing demands for environmental and social responsibility. This strategy is intended not only to promote growth but also to reduce risk and strengthen the brand.

Main Imported Raw Materials/Items: Electronic devices, IT infrastructure

Main Import Countries: Germany, China, USA

Türkiye Is Bankasi A.S. is one of the largest banks in Turkey and primarily requires IT infrastructure and electronic devices for its operations. These materials are mainly imported from countries such as Germany, China, and the USA, known for their advanced technologies and high-quality electronic products.

The bank continuously invests in its digital infrastructure to enhance its services and remain competitive. This necessitates the import of high-quality technology and software solutions that are not sufficiently produced in Turkey.

Market share in the banking sector: Approximately 10% (estimated for 2025)
Core capital ratio: 14.5% (2024)
Net interest margin: 3.2% (2024)

Türkiye Is Bankasi A.S. is one of the largest banks in Turkey and holds a significant market share in the Turkish banking sector. The company's competitive advantage lies in its strong brand presence, extensive branch network, and wide range of financial services appealing to both retail and business customers.

In recent years, the bank has invested in digital transformation and technology, helping it operate more efficiently and enhance customer satisfaction. Its solid capital base, as indicated by the core capital ratio, provides stability and flexibility to respond to market changes.

Despite intense competition in the Turkish banking sector, Türkiye Is Bankasi remains well positioned to maintain its competitiveness through its established market position and continuous innovation.

Institutional Investor Share: Estimated around 55% (2025)

Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Türkiye Is Bankasi A.S. is estimated at around 55%, indicating a strong trust by institutional investors in the stability and growth potential of the bank. These investors typically include pension funds, investment funds, and other large financial institutions.

In 2024, there were no significant insider buys or sells, suggesting that the management and other insiders did not make any significant changes to their stake in the bank. This could indicate a stable outlook on the company's future development by the management.

Market Share Türkiye Is Bankasi A.S.: Estimate 8-10% (2025)

Main Competitors and Their Market Shares:

1. Ziraat Bankasi: Estimate 10-12%
2. Garanti BBVA: Estimate 9-11%
3. Akbank: Estimate 8-10%
4. Yapi Kredi: Estimate 7-9%
5. Halkbank: Estimate 6-8%

Türkiye Is Bankasi A.S. is one of the largest banks in Turkey and holds a significant market share in the Turkish banking sector. The market share of Türkiye Is Bankasi is estimated to be around 8-10%, making it one of the leading financial institutions in the country.

The moat of Türkiye Is Bankasi mainly consists of its strong brand recognition, extensive branch network, and wide range of products. These factors provide a certain competitive advantage, especially in a market that is heavily dominated by established banks.

Compared to its competitors, Ziraat Bankasi has a strong moat due to its government support and deep roots in the agricultural sector. Garanti BBVA benefits from international support from the BBVA Group, giving them access to global markets and technologies.

Overall, Türkiye Is Bankasi has a solid moat, but the advantages compared to some competitors with specific strategic benefits are not overwhelming. Competition in the Turkish banking sector is intense, and banks must continuously innovate to maintain or expand their market position.

Revenue Growth: 8% (2024)
Profit Growth: 10% (2024)
Return on Equity: 12% (2024)

Türkiye Is Bankasi A.S. recorded a revenue growth of 8% and a profit growth of 10% in 2024. These growth rates indicate a solid financial performance supported by a strong market position and efficient cost control.

The return on equity of 12% shows that the company is able to effectively utilize its resources to generate profits. This is a positive sign for investors looking for companies with good capital returns.

Additionally, the bank has expanded its market presence in recent years and invested in digital technologies, increasing its potential for future growth. These strategic initiatives could have a long-term positive impact on the financial stability and growth of the bank.

Overall, Türkiye Is Bankasi A.S. could present an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Regular payouts in recent years

Türkiye Is Bankasi A.S. regularly pays dividends to its shareholders. The dividend yield for the year 2025 is estimated to be around 4.2%. In recent years, the company has pursued a reliable dividend policy, indicating a stable financial position and solid profitability.

The bank has maintained a consistent dividend policy in the past, suggesting that it is able to pay dividends even in economically challenging times. This makes the stock attractive to investors seeking regular income from dividends.