CarthagoTurkish banking data
HSBC TürkiyeStandardized per-bank financials from quarterly BRSA reports
4th of 23 — top quartile, 10.4pp over the target.
Cleaner than the median — 2.54pp below it. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 25.9% q/q | 29.4% | 22.4% | −6.98pp |
| Loan–deposit spread | -0.89% | 0.31% | +1.21pp |
| NPL ratio | 0.14% | 0.12% | −0.01pp |
| ROE (TTM) | 40.8% | 42.4% | +1.6pp |
Funded by depositors, not markets. Deposits cover 67% of the balance sheet.
| Loan / deposit — TL+FC | 36% | self-funded · audited, quarterly |
| Assets per branch | ₺8.5bn | 36 branches |
| Assets per employee |
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.
1 items3rd of 21 — 17.9pp over the median and 7.8pp over inflation.
1st of 21. 5.87pp over the median margin.
7th of 21 — upper half, 10.7pp better than the median.
Capital normalising. CAR fell 7.0pp to 22.4% as the book grew 25.9% q/q, but 10.4pp of buffer remains. Capital being deployed, not depleted.Δcar_qoq < −5pp AND buffer ≥ 8pp → note, not flag
Liquidity clear. LCR 252% and TL+FC loan/deposit 36% — 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: 14.1 at the start, 14.77 at the end, ranging 14.1 to 21.96. Deposit cost: 5.51 at the start, 14.46 at the end, ranging 5.51 to 18.32. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 14.096824230285923 | 5.51312563372908 |
| 2023-04-01 | 14.31572439911509 | 8.24379842051195 |
| 2023-07-01 | 14.938636096036609 | 10.769845786739864 |
| 2023-10-01 | 17.297079206852267 | 14.10707399356464 |
| 2024-01-01 | 19.541231683801424 | 16.075388470959574 |
| 2024-04-01 | 21.061203188859636 | 16.874211796057786 |
| 2024-07-01 | 21.961502066801923 | 17.641011625706142 |
| 2024-10-01 | 20.965287056296905 | 18.2688701213583 |
| 2025-01-01 | 18.953048811155895 | 18.32143083329018 |
| 2025-04-01 | 17.47585586995498 | 18.11357548364132 |
| 2025-07-01 | 16.204249803030095 | 17.285520232245368 |
| 2025-10-01 | 15.585724646327655 | 16.47959644026093 |
| 2026-01-01 | 14.773787023140573 | 14.460346326535545 |
| ₺229mn |
| 1,341 staff |
| Leverage | 12.0× | assets ÷ equity |
| Stage 1 — performing | ₺62.6bn | 82.9% · 0.1% cover |
| Stage 2 — watchlist | ₺12.8bn | 17.0% · 27.2% cover |
| Stage 3 — NPL | ₺0.1bn | 0.1% · 93.7% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.69 at the start, 0.64 at the end, ranging 0.53 to 0.72. Loans: 0.45 at the start, 0.28 at the end, ranging 0.28 to 0.47. Deposits: 0.84 at the start, 0.7 at the end, ranging 0.58 to 0.86. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.6855041818631149 | 0.4519387088300903 | 0.8400619503251433 |
| 2023-04-01 | 0.7236158951640067 | 0.47413842325463973 | 0.8553952886253077 |
| 2023-07-01 | 0.699941857326981 | 0.42211268200646607 | 0.8124013179917945 |
| 2023-10-01 | 0.6079920059416257 | 0.38559333396879586 | 0.6910540634092478 |
| 2024-01-01 | 0.5910992063019973 | 0.41141760907675745 | 0.6668633715138145 |
| 2024-04-01 | 0.5331998045788394 | 0.4052104181712004 | 0.6072858333611177 |
| 2024-07-01 | 0.5817200611708112 | 0.3848927385503544 | 0.619002281671854 |
| 2024-10-01 | 0.5977848724822535 | 0.33333982606015156 | 0.6486218959566178 |
| 2025-01-01 | 0.6308330130822669 | 0.35713249173334316 | 0.6887909240919688 |
| 2025-04-01 | 0.6006091486280098 | 0.3389435849168593 | 0.6531357917150196 |
| 2025-07-01 | 0.6541363704303216 | 0.30520833228460575 | 0.7435053556876038 |
| 2025-10-01 | 0.5342455174501549 | 0.2765382702198104 | 0.577086196839315 |
| 2026-01-01 | 0.636459908588356 | 0.28244492639036695 | 0.701824869776953 |