CarthagoTurkish banking data
AnadolubankStandardized per-bank financials from quarterly BRSA reports
6th of 23 — upper half, 9.1pp over the target.
0.43pp above the median. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 18.1% q/q | 25.0% | 21.1% | −3.86pp |
| Loan–deposit spread | 16.47% | 17.45% | +0.98pp |
| NPL ratio5 consecutive rises | 2.90% | 3.10% | +0.20pp |
| ROE (TTM) | 41.9% | 42.7% | +0.9pp |
Funded by depositors, not markets. Deposits cover 64% of the balance sheet.
| Loan / deposit — TL+FC | 77% | self-funded · audited, quarterly |
| Assets per branch | ₺2.2bn | 96 branches |
| Assets per employee | ₺122mn |
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.
KAP2nd of 21 — 18.2pp over the median and 8.1pp over inflation.
2nd of 21. 4.92pp over the median margin.
1st of 21 — top quartile. 27.9pp better than the median: scale is earning its keep.
NPL drift. 5 consecutive quarterly rises, to 3.10%. Level and direction are both adverse. Stage-2 — the pre-NPL watchlist — sits at 2.5% of the book.consecutive_rise(npl) ≥ 4q
Liquidity clear. LCR 128% and TL+FC loan/deposit 77% — 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: 19.19 at the start, 38.95 at the end, ranging 18.11 to 41.7. Deposit cost: 9.93 at the start, 21.5 at the end, ranging 9.93 to 25.37. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 19.18547124346597 | 9.928110648578915 |
| 2023-04-01 | 18.36621134401043 | 11.907134850081308 |
| 2023-07-01 | 18.10944768120674 | 13.886338273694326 |
| 2023-10-01 | 22.33557308733419 | 17.746635812556644 |
| 2024-01-01 | 27.172345320537307 | 20.80421118365272 |
| 2024-04-01 | 33.069395231710416 | 22.681651176166678 |
| 2024-07-01 | 38.06619779341596 | 24.684724739609763 |
| 2024-10-01 | 40.92528843145907 | 24.99609137315066 |
| 2025-01-01 | 41.69573308171376 | 25.372859459103147 |
| 2025-04-01 | 41.31691356997742 | 24.51355584595262 |
| 2025-07-01 | 41.0532261527718 | 24.067709919788935 |
| 2025-10-01 | 39.917734197139424 | 23.447788116168798 |
| 2026-01-01 | 38.945012328735274 | 21.495811858841034 |
| 1,737 staff |
| Leverage | 6.8× | assets ÷ equity |
| Stage 1 — performing | ₺98.5bn | 94.4% · 0.5% cover |
| Stage 2 — watchlist | ₺2.6bn | 2.5% · 6.8% cover |
| Stage 3 — NPL | ₺3.2bn | 3.1% · 68.7% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.27 at the start, 0.44 at the end, ranging 0.24 to 0.44. Loans: 0.27 at the start, 0.39 at the end, ranging 0.24 to 0.39. Deposits: 0.31 at the start, 0.46 at the end, ranging 0.25 to 0.46. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.27112310370186893 | 0.2686107926549006 | 0.3138207491624215 |
| 2023-04-01 | 0.26146494257201874 | 0.26824890674528185 | 0.29632645032895705 |
| 2023-07-01 | 0.26938653775770466 | 0.27523549975595696 | 0.29050469200959395 |
| 2023-10-01 | 0.2447069093645121 | 0.2447755060755267 | 0.27378067669035283 |
| 2024-01-01 | 0.251022343911943 | 0.2409364714783722 | 0.2513069836761666 |
| 2024-04-01 | 0.280556606530171 | 0.2582378336742524 | 0.29773849825625964 |
| 2024-07-01 | 0.2869144371697069 | 0.2854749173360759 | 0.31226699114851314 |
| 2024-10-01 | 0.3270047110597912 | 0.3133539531301988 | 0.37091323322731085 |
| 2025-01-01 | 0.35500570915134466 | 0.32000787506923833 | 0.3802735100084965 |
| 2025-04-01 | 0.3970747460493191 | 0.35318862484044744 | 0.38091535485558126 |
| 2025-07-01 | 0.3804595765824984 | 0.3559351960503978 | 0.3500362466992603 |
| 2025-10-01 | 0.3948657347337408 | 0.3620577976848244 | 0.33753656730961396 |
| 2026-01-01 | 0.44099516988931997 | 0.3940598538297478 | 0.46339158916779544 |