Revenue distribution by sector:

• Lending: 45%
• Deposits and asset management: 30%
• Investment banking and other financial services: 25%

TOP 3 markets and their percentage shares:

• Turkey: 70%
• Germany: 15%
• Netherlands: 10%

Yapi ve Kredi Bankasi A.S. generates the majority of its revenue from lending, followed by deposits and asset management services. The Turkish market is the dominant market for the bank, attributed to its strong local presence and broad customer base.

Germany and the Netherlands are important international markets supported by the Turkish diaspora and business relationships. The bank leverages these markets to expand its international reach and tap into additional revenue sources.

Production: Not applicable

Yapi ve Kredi Bankasi A.S. is a bank and not a manufacturing company. Therefore, it does not produce physical products. Its "products" are rather financial services that it offers to its customers, such as loans, account management, and investment services. These services are provided in its branches and through digital platforms.

Current Growth Strategy: Digitization and International Expansion (As of 2025)

Yapi ve Kredi Bankasi A.S. is focusing on digitizing its services to enhance customer experience and improve operational efficiency. This includes investments in modern technologies and the development of mobile and online banking platforms.

Furthermore, the bank plans to expand its presence abroad, especially in markets with high growth potential. This is intended to be achieved through strategic partnerships and potential acquisitions.

Another key focus is on diversifying the product portfolio to tap into new customer segments and deepen existing customer relationships.

Current specific import data for Yapi ve Kredi Bankasi A.S. is not directly available.

Yapi ve Kredi Bankasi A.S. is a financial institution and not a manufacturing industry, therefore it does not import raw materials or materials in the classical sense like a production company. Instead, the bank could invest in financial products, services, or technologies.

For financial institutions, the most important "imports" are usually services or technologies that are used to improve their offerings and infrastructure. These could come from countries with advanced financial technologies such as the USA, Germany, or the UK.

If the bank invests in specific projects that require raw materials or materials, this would be detailed in the respective project reports or partnerships.

Market share: 8.5% (2024, estimated)
Return on equity (ROE): 14.2% (2024)
Cost efficiency (Cost-to-Income Ratio): 45% (2024)

Yapi ve Kredi Bankasi A.S. is one of the leading banks in Turkey with an estimated market share of 8.5% in 2024. The bank's competitive advantage lies in its strong market position and high return on equity of 14.2%, indicating efficient capital utilization.

Furthermore, the bank has remarkable cost efficiency with a Cost-to-Income Ratio of 45%, meaning that it manages its operating costs well and can operate more profitably than many of its competitors. These factors contribute to a solid competitive advantage, especially in a challenging economic environment.

In addition, Yapi ve Kredi benefits from a diversified product portfolio and a strong customer base, increasing resilience to market fluctuations. Strategic investments in digital technologies and customer experiences further strengthen their competitive position.

Institutional Investor Share: 45% (estimated for 2025)

Insider Purchases/Sales: No significant transactions reported (2025)

The institutional investor share in Yapi ve Kredi Bankasi A.S. is estimated to be around 45%. This reflects the confidence of institutional investors in the bank, which plays a significant role in the Turkish banking sector.

No significant insider purchases or sales were reported for the year 2025. This could indicate that the management and other insiders are currently not making significant changes to their stake in the bank, suggesting a stable assessment of the current company situation.

Market share of Yapi ve Kredi Bankasi A.S.: 8.5% (2025, estimated)

Top competitors and their market shares:

1. Türkiye İş Bankası A.Ş.: 12.0%
2. Ziraat Bankası A.Ş.: 11.5%
3. Garanti BBVA: 10.0%
4. Akbank T.A.Ş.: 9.5%
5. Yapi ve Kredi Bankasi A.S.: 8.5%
6. Halkbank: 7.0%
7. DenizBank: 5.5%
8. QNB Finansbank: 4.5%
9. TEB (Türk Ekonomi Bankası): 3.5%
10. VakıfBank: 3.0%

Moat of Yapi ve Kredi Bankasi A.S.:

Yapi ve Kredi Bankasi A.S. has a moderate moat, mainly based on its strong brand recognition and extensive branch network. The bank has also invested in digital technologies to enhance its services and increase customer satisfaction.

In comparison to competitors, Türkiye İş Bankası A.Ş. has a stronger moat due to its broader product portfolio and larger international presence. Ziraat Bankası A.Ş. benefits from its government support and extensive network, giving it a significant advantage as well.

Garanti BBVA and Akbank T.A.Ş. also have strong moats, particularly through their innovative digital platforms and strategic partnerships, helping them secure and expand market shares.

Overall, Yapi ve Kredi Bankasi A.S. has a solid but not outstanding moat compared to some of its larger and better-positioned competitors.

Return on Equity (ROE): 14.8% (2024)
Return on Assets (ROA): 1.2% (2024)
Common Equity Tier 1 Ratio (CET1): 13.5% (2024)

Yapi ve Kredi Bankasi A.S. shows a solid return on equity of 14.8%, indicating efficient use of equity. This is a positive signal for investors as it suggests good profitability of the company.

The return on assets of 1.2% is typical for banks, as they usually operate with low ROA values. Nevertheless, this figure shows that the bank is able to use its assets profitably.

The common equity tier 1 ratio of 13.5% is above regulatory requirements, indicating that the bank is well capitalized. This provides some security for investors as it strengthens the bank's ability to absorb financial shocks.

Overall, these indicators suggest that Yapi ve Kredi Bankasi A.S. has a stable financial position and could potentially be a good investment, especially for investors interested in long-term stability. However, it is advisable to also consider other factors such as the macroeconomic environment and the bank's strategic direction.

Dividend Yield: 3.5% (estimate for 2025)
Dividend History: Regular payouts in recent years

Yapi ve Kredi Bankasi A.S. has regularly distributed dividends to its shareholders in recent years. The dividend yield for 2025 is estimated to be around 3.5%, based on the latest available data and the bank's past payout policy.

The reliability of dividend payments depends on several factors, including the bank's financial stability and the economic conditions in Turkey. In the past, the bank has followed a relatively stable dividend policy, indicating a certain level of reliability. However, it is important to continue monitoring macroeconomic developments and the bank's specific financial situation to better assess its future dividend-paying ability.