Yapi ve Kredi Bankasi AS
Yapi ve Kredi Bankasi A.S., together with its subsidiaries, provides commercial banking and financial products and services in Turkey and internationally. It operates through three segments: Retail Banking; Corporate Banking; and Commercial and SME Banking. The Retail Banking segment offers banking products and services, such as card payment systems; individual portfolio; blue class; private and … Read more
Yapi ve Kredi Bankasi AS (YKBNK) - Net Assets
Latest net assets as of December 2025: TL255.62 Billion TRY
Based on the latest financial reports, Yapi ve Kredi Bankasi AS (YKBNK) has net assets worth TL255.62 Billion TRY as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (TL3.52 Trillion) and total liabilities (TL3.27 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | TL255.62 Billion |
| % of Total Assets | 7.26% |
| Annual Growth Rate | -29.69% |
| 5-Year Change | 302.62% |
| 10-Year Change | 878.58% |
| Growth Volatility | 43.54 |
Yapi ve Kredi Bankasi AS - Net Assets Trend (2000–2025)
This chart illustrates how Yapi ve Kredi Bankasi AS's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Yapi ve Kredi Bankasi AS (2000–2025)
The table below shows the annual net assets of Yapi ve Kredi Bankasi AS from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | TL255.62 Billion | +32.57% |
| 2024-12-31 | TL192.81 Billion | +7.79% |
| 2023-12-31 | TL178.88 Billion | +41.67% |
| 2022-12-31 | TL126.26 Billion | +98.87% |
| 2021-12-31 | TL63.49 Billion | +33.47% |
| 2020-12-31 | TL47.57 Billion | +15.48% |
| 2019-12-31 | TL41.19 Billion | +5.60% |
| 2018-12-31 | TL39.01 Billion | +29.58% |
| 2017-12-31 | TL30.10 Billion | +15.24% |
| 2016-12-31 | TL26.12 Billion | +13.15% |
| 2015-12-31 | TL23.09 Billion | +14.21% |
| 2014-12-31 | TL20.21 Billion | +10.54% |
| 2013-12-31 | TL18.29 Billion | +10.53% |
| 2012-12-31 | TL16.54 Billion | +27.91% |
| 2011-12-31 | TL12.93 Billion | +18.18% |
| 2010-12-31 | TL10.94 Billion | +25.70% |
| 2009-12-31 | TL8.71 Billion | +23.69% |
| 2008-12-31 | TL7.04 Billion | +38.93% |
| 2007-12-31 | TL5.07 Billion | +25.58% |
| 2006-12-31 | TL4.03 Billion | +152.00% |
| 2005-12-31 | TL1.60 Billion | -100.00% |
| 2004-12-31 | TL3407.32 Trillion | +14.64% |
| 2003-12-31 | TL2972.18 Trillion | +19.58% |
| 2002-12-31 | TL2485.54 Trillion | +97.32% |
| 2001-12-31 | TL1259.68 Trillion | -26.26% |
| 2000-12-31 | TL1708.26 Trillion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Yapi ve Kredi Bankasi AS's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | TL48.73 Billion | 19.06% |
| Other Components | TL206.88 Billion | 80.94% |
| Total Equity | TL255.61 Billion | 100.00% |
Yapi ve Kredi Bankasi AS Competitors by Market Cap
The table below lists competitors of Yapi ve Kredi Bankasi AS ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Stepstone Group Inc
NASDAQ:STEP
|
$3.33 Billion |
|
Sofina Société Anonyme
PINK:SFNXF
|
$3.33 Billion |
|
Beijing Enterprises Water Group Limited
PINK:BJWTY
|
$3.33 Billion |
|
mBank SA
WAR:MBK
|
$3.33 Billion |
|
Finning International Inc.
PINK:FINGF
|
$3.33 Billion |
|
Sai MicroElectronics Inc
SHE:300456
|
$3.33 Billion |
|
Aalberts N.V
F:AACA
|
$3.32 Billion |
|
Ubiquiti Networks Inc
NYSE:UI
|
$3.32 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Yapi ve Kredi Bankasi AS's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 192,808,874,000 to 255,609,879,000, a change of 62,801,005,000 (32.6%).
- Net income of 47,090,151,000 contributed positively to equity growth.
- Other factors increased equity by 15,710,854,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | TL47.09 Billion | +18.42% |
| Other Changes | TL15.71 Billion | +6.15% |
| Total Change | TL- | 32.57% |
Book Value vs Market Value Analysis
This analysis compares Yapi ve Kredi Bankasi AS's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.19x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.07x to 1.19x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | TL4.46 | TL35.98 | x |
| 2018-12-31 | TL4.62 | TL35.98 | x |
| 2019-12-31 | TL4.88 | TL35.98 | x |
| 2020-12-31 | TL5.63 | TL35.98 | x |
| 2021-12-31 | TL7.52 | TL35.98 | x |
| 2022-12-31 | TL14.95 | TL35.98 | x |
| 2023-12-31 | TL21.18 | TL35.98 | x |
| 2024-12-31 | TL22.83 | TL35.98 | x |
| 2025-12-31 | TL30.26 | TL35.98 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Yapi ve Kredi Bankasi AS utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.42%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.73%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 13.78x
- Recent ROE (18.42%) is above the historical average (16.79%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 7.35% | 6.05% | 0.23x | 5.27x | TL-44.53 Trillion |
| 2002 | 37.55% | 20.18% | 0.22x | 8.29x | TL661.44 Trillion |
| 2003 | 3.34% | 2.26% | 0.19x | 7.80x | TL-190.99 Trillion |
| 2006 | 15.15% | 10.75% | 0.09x | 15.16x | TL179.72 Million |
| 2007 | 18.22% | 10.98% | 0.14x | 11.69x | TL392.40 Million |
| 2008 | 18.03% | 13.30% | 0.14x | 9.99x | TL561.89 Million |
| 2009 | 17.83% | 16.15% | 0.13x | 8.21x | TL677.63 Million |
| 2010 | 20.48% | 26.87% | 0.09x | 8.43x | TL1.14 Billion |
| 2011 | 18.60% | 29.54% | 0.07x | 9.02x | TL1.11 Billion |
| 2012 | 13.90% | 23.15% | 0.08x | 7.94x | TL642.16 Million |
| 2013 | 12.76% | 15.83% | 0.09x | 8.77x | TL504.64 Million |
| 2014 | 10.17% | 14.06% | 0.07x | 9.65x | TL34.69 Million |
| 2015 | 8.27% | 25.24% | 0.03x | 10.19x | TL-399.91 Million |
| 2016 | 11.23% | 24.82% | 0.04x | 10.38x | TL320.73 Million |
| 2017 | 12.01% | 26.65% | 0.04x | 10.63x | TL603.95 Million |
| 2018 | 11.97% | 23.43% | 0.05x | 9.57x | TL766.76 Million |
| 2019 | 8.74% | 17.03% | 0.05x | 9.98x | TL-519.03 Million |
| 2020 | 10.68% | 19.67% | 0.05x | 10.23x | TL322.76 Million |
| 2021 | 16.52% | 29.96% | 0.04x | 12.30x | TL4.14 Billion |
| 2022 | 41.77% | 48.38% | 0.09x | 9.38x | TL40.12 Billion |
| 2023 | 38.02% | 43.42% | 0.08x | 10.42x | TL50.12 Billion |
| 2024 | 15.05% | 19.34% | 0.06x | 13.25x | TL9.74 Billion |
| 2025 | 18.42% | 19.73% | 0.07x | 13.78x | TL21.53 Billion |
Industry Comparison
This section compares Yapi ve Kredi Bankasi AS's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $246,417,535,505,778
- Average return on equity (ROE) among peers: 15.50%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Yapi ve Kredi Bankasi AS (YKBNK) | TL255.62 Billion | 7.35% | 12.78x | $3.33 Billion |
| Akbank TAS (AKBNK) | $26.14 Billion | 12.93% | 7.37x | $6.52 Billion |
| Albaraka Turk Katilim Bankasi AS (ALBRK) | $182.49 Million | 25.28% | 9.79x | $283.95K |
| Turkiye Halk Bankasi (HALKB) | $42.78 Billion | 8.61% | 15.27x | $5.53 Billion |
| ICBC Turkey Bank AS (ICBCT) | $604.31 Million | 7.50% | 5.38x | $27.00 Million |
| Turkiye Is Bankasi AS Class C (ISCTR) | $219.56 Billion | 1.71% | 0.26x | $8.52 Billion |
| Qnb Finansbank AS (QNBTR) | $19.24 Billion | 14.31% | 11.21x | $51.51 Million |
| Haci Omer Sabanci Holding AS (SAHOL) | $25.47 Billion | 7.36% | 4.93x | $3.66 Billion |
| Sekerbank TAS (SKBNK) | $6.84 Billion | 26.99% | 9.09x | $583.53 Million |
| Turkiye Vakiflar Bankasi TAO (VAKBN) | $2217.42 Trillion | 34.82% | 10.51x | $722.86 Million |