Is Is Bank (ISCTR) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 27.8% | |
| Net Margin | 19.1% | |
| Return on Equity (ROE) | 20.5% | |
| Return on Assets (ROA) | 1.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $181.1B |
| Free Cash Flow | $181.1B |
| Total Debt | $1.1T |
| Total Assets | $5.4T |
Price & Trading
| Last Close | TRY 13.18 |
| 50-Day MA | TRY 15.59 |
| 200-Day MA | TRY 14.18 |
| Avg Volume | 636.5M |
| Beta | -0.0 |
|
52-Week Range
TRY 10.07
| |
About Is Bank (ISCTR)
Türkiye Is Bankasi A.S., together with its subsidiaries, provides various banking products and services to individuals and businesses in Turkey. It operates through Corporate/Commercial Banking; Retail/Private Banking; Treasury Operations and Investment Activities; Insurance and Reinsurance Activities; and Other segments. The company offers personal loans comprising land, education, overdraft, and yacht loans; car and home loans; credit and debit cards; deposit and investment products, such as term deposits, term TL, term FX, term gold, non-term deposits, gold, equities, futures and options markets, mutual funds, Eurobonds, and debt instruments; digital banking; compulsory earthquake, motor vehicle compulsory third party liability, comprehensive motor, health, personal accident, workplace, life, critical illness, credit card payment protecting, and loan payment protection insurance products; pension funds; and expat, private, and startup banking services. It also provides cash and non-cash loans; letters of guarantee and credit; agricultural banking; and foreign trade transactions, trading, and financing services. In addition, the company offers project financing, working capital and investment loans, cash management, checks and promissory notes, bill collection, payroll payments, investment accounts, tax collection, and other banking products; overdraft accounts, money transfer, and safe deposit boxes; individual retirement plans, life and non-life insurance services, and reinsurance services; securities trading, spot and forward trading, syndication, and securitization services; derivative transactions, such as forwards, swaps, futures and options; brokerage, venture capital, and real estate investment trust services; investment banking; and financial leasing, factoring, asset management, portfolio management, and payment services. Türkiye Is Bankasi A.S. was founded in 1924 and is headquartered in Istanbul, Turkey.
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Frequently Asked Questions
Is Is Bank (ISCTR) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Is Bank is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Is Bank's debt ratio?
Is Bank's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Is Bank's key financial metrics?
Is Bank has a market capitalization of $341.6B, trailing P/E ratio of 4.8, and revenue of $423.9B. Return on equity stands at 20.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.