CarthagoTurkish banking data
İş BankasıStandardized per-bank financials from quarterly BRSA reports
17th of 23. One of the field's thinnest buffers — 3.2pp over the 12% target ratio.
0.79pp above the median. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 6.7% q/q | 18.5% | 15.2% | −3.35pp |
| Loan–deposit spread | 5.23% | 5.51% | +0.28pp |
| NPL ratio7 consecutive rises | 3.19% | 3.46% | +0.27pp |
| ROE (TTM) | 18.6% | 19.7% | +1.1pp |
Funded by depositors, not markets. Deposits cover 66% of the balance sheet.
| Loan / deposit — TL+FC | 78% | self-funded · audited, quarterly |
| Assets per branch | ₺4.8bn |
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.
27 items16th of 21 — 4.9pp under the median and 9.4pp under inflation.
19th of 21. 2.94pp under the median margin.
16th of 21 — bottom quartile, 11.5pp worse than the median.
Capital step-down. CAR fell 3.3pp in a quarter to 15.2% — a 3.2pp buffer over the 12% target ratio, 30th of 37, while the balance sheet grew 6.7% q/q.Δcar_qoq < −1pp AND buffer < 8pp
Real returns. ROE 19.7% against 32.1% 12-month-average CPI: equity compounds a 12.4pp real loss.roe − cpi_12m_avg < 0
NPL drift. 7 consecutive quarterly rises, to 3.46%. Level and direction are both adverse. Stage-2 — the pre-NPL watchlist — sits at 12.0% of the book.consecutive_rise(npl) ≥ 4q
Liquidity clear. LCR 129% and TL+FC loan/deposit 78% — 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: 13.26 at the start, 24.42 at the end, ranging 13.18 to 25.07. Deposit cost: 4.54 at the start, 18.91 at the end, ranging 4.54 to 20.33. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 13.261361489178533 | 4.5370300647768165 |
| 2023-04-01 | 13.176809649000148 | 5.3411778446716145 |
| 2023-07-01 | 13.699448414960036 | 6.9757224937496325 |
| 2023-10-01 | 15.639162181005265 | 9.59812319501011 |
| 2024-01-01 | 18.300535272833994 | 12.359576538413327 |
| 2024-04-01 | 20.94030494034565 | 15.278419934850518 |
| 2024-07-01 | 23.34808357356729 | 17.805386737673196 |
| 2024-10-01 | 24.467308746552767 | 19.345062426814717 |
| 2025-01-01 | 24.785305931852804 | 20.01881095869256 |
| 2025-04-01 | 25.011982038551462 | 20.32710764234256 |
| 2025-07-01 | 25.06797884030661 | 20.118507222770543 |
| 2025-10-01 | 24.858891175133472 | 19.625255299088412 |
| 2026-01-01 | 24.418920097122818 | 18.906457966659897 |
| 1,019 branches |
| Assets per employee | ₺239mn | 20,630 staff |
| Leverage | 11.7× | assets ÷ equity |
| Stage 1 — performing | ₺2162bn | 84.5% · 0.5% cover |
| Stage 2 — watchlist | ₺308bn | 12.0% · 10.8% cover |
| Stage 3 — NPL | ₺88.5bn | 3.5% · 61.0% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 10.19 at the start, 10.24 at the end, ranging 9.96 to 10.73. Loans: 9.52 at the start, 9.67 at the end, ranging 9.1 to 9.95. Deposits: 10.02 at the start, 11.13 at the end, ranging 10.02 to 11.13. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 10.193062556157562 | 9.521347298615732 | 10.017393968991868 |
| 2023-04-01 | 10.43503861094032 | 9.313388649046587 | 10.226776250376878 |
| 2023-07-01 | 10.093912759984718 | 9.097600286312174 | 10.414076285907026 |
| 2023-10-01 | 10.663416271461395 | 9.592843346908719 | 10.589514470377496 |
| 2024-01-01 | 10.542093356390724 | 9.691542674490204 | 10.608844367055466 |
| 2024-04-01 | 10.540069338270646 | 9.907085298924818 | 10.481552613321167 |
| 2024-07-01 | 10.72664928500671 | 9.949844620427896 | 10.774694182361888 |
| 2024-10-01 | 10.424768688864873 | 9.768588673588887 | 10.623979402486453 |
| 2025-01-01 | 10.444211566682702 | 9.776164835793177 | 11.008196160004506 |
| 2025-04-01 | 10.2956294603104 | 9.836940650350186 | 10.89795006672622 |
| 2025-07-01 | 9.960142516310604 | 9.680250850188866 | 10.944961722487326 |
| 2025-10-01 | 10.142190652992907 | 9.70285804454524 | 10.90224087929004 |
| 2026-01-01 | 10.23829805352488 | 9.66548300025698 | 11.129147509487334 |