CarthagoTurkish banking data
AkbankStandardized per-bank financials from quarterly BRSA reports
9th of 23 — upper half, 5.1pp over the target.
1.14pp above the median. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 2.5% q/q | 20.0% | 17.1% | −2.92pp |
| Loan–deposit spread | 2.03% | 2.81% | +0.79pp |
| NPL ratio | 3.66% | 3.80% | +0.14pp |
| ROE (TTM) | 21.5% | 23.0% | +1.5pp |
Funded by depositors, not markets. Deposits cover 65% of the balance sheet.
| Loan / deposit — TL+FC | 85% | self-funded · audited, quarterly |
| Assets per branch | ₺5.4bn |
Balance sheet · income statement · cash flow — as filed, y/y, real (CPI-deflated) or common-size against the sector. Plus the shape: composition, the profit waterfall and the interest flow.
3 statements · 4 lensesFX net open position and the ≤1y repricing gap from the §4 footnotes, with the audited capital stack and its buffer over the 12% minimum.
§4 footnotesShareholders ≥5% and the §7 subsidiary grid, from the KAP Genel Bilgi Formu — re-scraped weekly.
KAPPress coverage tagged to this bank, quarterly results decks and recent KAP disclosures.
32 items14th of 21 — 1.5pp under the median and 6.8pp under inflation.
16th of 21. 1.78pp under the median margin.
10th of 21 — upper half, 1.8pp better than the median.
Capital step-down. CAR fell 2.9pp in a quarter to 17.1% — a 5.1pp buffer over the 12% target ratio, 19th of 37, while the balance sheet grew 2.5% q/q.Δcar_qoq < −1pp AND buffer < 8pp
Real returns. ROE 23.0% against 32.1% 12-month-average CPI: equity compounds a 9.0pp real loss.roe − cpi_12m_avg < 0
Liquidity clear. LCR 133% and TL+FC loan/deposit 85% — funding is not a constraint this quarter.lcr < 120 OR ldr > 100 → would fire; neither did
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Loan yield: 14.69 at the start, 25.81 at the end, ranging 14.65 to 27.4. Deposit cost: 8.22 at the start, 22.99 at the end, ranging 8.22 to 25.52. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 14.687821176009644 | 8.223148342231452 |
| 2023-04-01 | 14.64579442673033 | 9.916732819529939 |
| 2023-07-01 | 15.256408207000108 | 11.913274124550574 |
| 2023-10-01 | 17.674974455195947 | 14.940948816761024 |
| 2024-01-01 | 20.74043966316573 | 17.9552598396645 |
| 2024-04-01 | 23.77433584057183 | 21.02693011304417 |
| 2024-07-01 | 25.991160853463796 | 23.444567581464874 |
| 2024-10-01 | 27.137878583577507 | 24.96187624142883 |
| 2025-01-01 | 27.36025278990853 | 25.323801406711645 |
| 2025-04-01 | 27.401289030139388 | 25.517998803954473 |
| 2025-07-01 | 27.054177610659625 | 25.332840735989144 |
| 2025-10-01 | 26.3974995826879 | 24.37086536707366 |
| 2026-01-01 | 25.80628182184363 | 22.99361589233318 |
| 634 branches |
| Assets per employee | ₺275mn | 12,441 staff |
| Leverage | 11.3× | assets ÷ equity |
| Stage 1 — performing | ₺1655bn | 87.8% · 0.7% cover |
| Stage 2 — watchlist | ₺158bn | 8.4% · 10.4% cover |
| Stage 3 — NPL | ₺71.7bn | 3.8% · 65.6% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 7.67 at the start, 7.09 at the end, ranging 7.09 to 7.96. Loans: 6.97 at the start, 7.12 at the end, ranging 6.75 to 7.59. Deposits: 7.47 at the start, 7.55 at the end, ranging 7.29 to 7.96. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 7.669954091428284 | 6.97037664337533 | 7.472986976982339 |
| 2023-04-01 | 7.6928939175375595 | 6.754075424484425 | 7.651099003481882 |
| 2023-07-01 | 7.832619865369157 | 7.051944630387309 | 7.633732156108423 |
| 2023-10-01 | 7.775221637251066 | 7.120064567695334 | 7.760402531464712 |
| 2024-01-01 | 7.749101765597895 | 7.1772200603236875 | 7.929972731131948 |
| 2024-04-01 | 7.963125601387273 | 7.534544483554963 | 7.9579306475327725 |
| 2024-07-01 | 7.64250211977037 | 7.576965418055911 | 7.907456661405998 |
| 2024-10-01 | 7.889975071880095 | 7.5863560837244925 | 7.801963339882592 |
| 2025-01-01 | 7.688752003250957 | 7.2758926032253575 | 7.547512836219607 |
| 2025-04-01 | 7.298763764605503 | 7.00930165764297 | 7.4711051997714994 |
| 2025-07-01 | 7.1475015777488995 | 7.173580230942638 | 7.398299353876074 |
| 2025-10-01 | 7.315643627512322 | 7.261717501817551 | 7.288028422811103 |
| 2026-01-01 | 7.0940394080917955 | 7.119818392884373 | 7.549062278540718 |