CarthagoTurkish banking data
Aktif Yatırım BankasıStandardized per-bank financials from quarterly BRSA reports
26th of 37. One of the field's thinnest buffers — 3.4pp over the 12% target ratio.
0.07pp above the median. The worst book in the field runs 11.3%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 3.3% q/q | 20.3% | 15.4% | −4.90pp |
| NPL ratio | 2.24% | 2.57% | +0.33pp |
| ROE (TTM) | 39.0% | 37.7% | −1.3pp |
Capital step-down. CAR fell 4.9pp in a quarter to 15.4% — a 3.4pp buffer over the 12% target ratio, 26th of 37, while the balance sheet grew 3.3% q/q.
Deposit-light — still funded by its own capital. Deposits cover 13% of the balance sheet.
| Assets per branch | ₺8.9bn | 16 branches |
| Assets per employee | ₺190mn | 745 staff |
| Leverage | 8.4× |
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.
KAP8th of 35 — 10.0pp over the median and 4.2pp over inflation.
7th of 35. 2.51pp over the median margin.
9th of 35 — top quartile. 8.4pp better than the median: scale is earning its keep.
No deposit cost or spread: this bank takes no deposits — it funds itself in the market, so the ladder starts at what the assets earn. These rows are absent because they do not exist for this funding model, not because the figures are missing.
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Loan yield: 21.78 at the start, 28.61 at the end, ranging 21.78 to 28.61. Deposit cost: no values. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 21.780627113477806 | |
| 2023-04-01 | 22.230536374152933 | |
| 2023-07-01 | 22.59725833689438 | |
| 2023-10-01 | 23.550442910652535 | |
| 2024-01-01 | 24.607235857805414 | |
| 2024-04-01 | 25.27233345166643 | |
| 2024-07-01 | 26.193622534068172 | |
| 2024-10-01 | 27.10931511019438 | |
| 2025-01-01 | 27.17499285451493 | |
| 2025-04-01 | 27.2202724698985 | |
| 2025-07-01 | 27.457598032027942 | |
| 2025-10-01 | 28.086673963538306 | |
| 2026-01-01 | 28.61119546272394 |
| assets ÷ equity |
| Stage 1 — performing | ₺61.5bn | 91.7% · 0.4% cover |
| Stage 2 — watchlist | ₺3.8bn | 5.7% · 5.4% cover |
| Stage 3 — NPL | ₺1.7bn | 2.6% · 50.3% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.32 at the start, 0.29 at the end, ranging 0.29 to 0.33. Loans: 0.22 at the start, 0.25 at the end, ranging 0.22 to 0.26. Deposits: 0. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.32128103993587476 | 0.21896633957014092 | 0 |
| 2023-04-01 | 0.32291442172089835 | 0.22279489928174728 | 0 |
| 2023-07-01 | 0.3163090717440863 | 0.23622899541505624 | 0 |
| 2023-10-01 | 0.32713389642909324 | 0.2175703828642205 | 0 |
| 2024-01-01 | 0.3306929377089354 | 0.22713007197454763 | 0 |
| 2024-04-01 | 0.3239261926601822 | 0.2474455493747087 | 0 |
| 2024-07-01 | 0.31934831578243394 | 0.25934781641093085 | 0 |
| 2024-10-01 | 0.31898402447637797 | 0.24784633049902108 | 0 |
| 2025-01-01 | 0.29808163150163236 | 0.2499038013928811 | 0 |
| 2025-04-01 | 0.3119538810909318 | 0.2641857520676685 | 0 |
| 2025-07-01 | 0.2964416890134746 | 0.25520683694128893 | 0 |
| 2025-10-01 | 0.3007743752595175 | 0.2580541938317451 | 0 |
| 2026-01-01 | 0.2938371880341268 | 0.25190954386607234 | 0 |