CarthagoTurkish banking data
FibabankaStandardized per-bank financials from quarterly BRSA reports
18th of 23. One of the field's thinnest buffers — 2.9pp over the 12% target ratio.
1.81pp above the median. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 23.5% q/q | 21.0% | 14.9% | −6.16pp |
| Loan–deposit spread | 21.54% | 22.77% | +1.24pp |
| NPL ratio7 consecutive rises | 4.43% | 4.48% | +0.05pp |
| ROE (TTM) | 33.2% | 36.4% | +3.2pp |
Funded by depositors, not markets. Deposits cover 66% of the balance sheet.
| Loan / deposit — TL+FC | 64% | self-funded · audited, quarterly |
| Assets per branch | ₺6.7bn | 35 branches |
| Assets per employee | ₺137mn | 1,718 staff |
| Leverage |
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.
KAP4th of 21 — 11.9pp over the median and 3.3pp over inflation.
3rd of 21. 3.53pp over the median margin.
5th of 21 — top quartile. 12.2pp better than the median: scale is earning its keep.
Capital step-down. CAR fell 6.2pp in a quarter to 14.9% — a 2.9pp buffer over the 12% target ratio, 31st of 37, while the balance sheet grew 23.5% q/q.Δcar_qoq < −1pp AND buffer < 8pp
NPL drift. 7 consecutive quarterly rises, to 4.48%. Level and direction are both adverse. Stage-2 — the pre-NPL watchlist — sits at 7.2% of the book.consecutive_rise(npl) ≥ 4q
Liquidity clear. LCR 189% and TL+FC loan/deposit 64% — 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: 17.88 at the start, 45.6 at the end, ranging 16.67 to 48.57. Deposit cost: 8.81 at the start, 22.83 at the end, ranging 8.81 to 31.49. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 17.88217174461036 | 8.81468261043959 |
| 2023-04-01 | 17.00317554528733 | 10.6273089434499 |
| 2023-07-01 | 16.668960348524397 | 12.905597695386462 |
| 2023-10-01 | 20.35547000622395 | 17.379630550827947 |
| 2024-01-01 | 26.333855423643232 | 21.475870376989707 |
| 2024-04-01 | 33.362869883203885 | 26.39168704096393 |
| 2024-07-01 | 40.34758689747962 | 30.00079859077678 |
| 2024-10-01 | 44.27252283848313 | 31.4855224373712 |
| 2025-01-01 | 46.35819437125315 | 31.19170926713161 |
| 2025-04-01 | 48.23357088945412 | 30.03960066183957 |
| 2025-07-01 | 48.56619769012367 | 28.63551439134062 |
| 2025-10-01 | 48.051029240911916 | 26.513024363400035 |
| 2026-01-01 | 45.59883477978591 | 22.825750195304582 |
| 11.4× |
| assets ÷ equity |
| Stage 1 — performing | ₺87.4bn | 88.3% · 0.8% cover |
| Stage 2 — watchlist | ₺7.2bn | 7.2% · 5.8% cover |
| Stage 3 — NPL | ₺4.4bn | 4.5% · 67.6% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.53 at the start, 0.49 at the end, ranging 0.4 to 0.53. Loans: 0.51 at the start, 0.37 at the end, ranging 0.29 to 0.51. Deposits: 0.51 at the start, 0.53 at the end, ranging 0.4 to 0.53. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.5266052082313888 | 0.5141019538192089 | 0.5094305645613856 |
| 2023-04-01 | 0.49575959379627355 | 0.45589141465001515 | 0.45534410008229964 |
| 2023-07-01 | 0.4937442153293486 | 0.44689217752427207 | 0.4625469892415638 |
| 2023-10-01 | 0.45003425146036785 | 0.42742219439912976 | 0.4360515339615256 |
| 2024-01-01 | 0.460068384638069 | 0.4154252684951105 | 0.45958990798481053 |
| 2024-04-01 | 0.43456257940325427 | 0.426141611247264 | 0.4379217034775013 |
| 2024-07-01 | 0.4183848122442568 | 0.38190424105209503 | 0.42423395400827313 |
| 2024-10-01 | 0.40644425101985426 | 0.3193085816189834 | 0.4275937706470684 |
| 2025-01-01 | 0.41097027530591046 | 0.3144198348628745 | 0.43670711405601703 |
| 2025-04-01 | 0.4023419752496521 | 0.28684302172050896 | 0.4047624073579665 |
| 2025-07-01 | 0.39527351324541254 | 0.3027096410823952 | 0.4188316712032919 |
| 2025-10-01 | 0.41932618620790635 | 0.3434901984769011 | 0.43882101378810384 |
| 2026-01-01 | 0.4897517271897709 | 0.37369683102341417 | 0.5270235274499266 |