CarthagoTurkish banking data
Kalkınma ve Yatırım Bk.Standardized per-bank financials from quarterly BRSA reports
9th of 37 — top quartile, 10.0pp over the target.
Cleaner than the median — 1.97pp below it. The worst book in the field runs 11.3%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew -0.2% q/q | 21.9% | 22.0% | +0.11pp |
| NPL ratio | 0.46% | 0.53% | +0.07pp |
| ROE (TTM) | 33.4% | 32.5% | −0.9pp |
No flags active. LCR 421% — funding is not a constraint this quarter.
Deposit-light — still funded by its own capital. Deposits cover 1% of the balance sheet.
| Assets per branch | ₺203.2bn | 1 branches |
| Assets per employee | ₺486mn | 418 staff |
| Leverage | 5.7× |
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.
15 items11th of 35 — 4.9pp over the median and 0.4pp over inflation.
6th of 35. 3.43pp over the median margin.
2nd of 35 — top quartile. 32.4pp 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: 6.97 at the start, 9.88 at the end, ranging 6.97 to 10.79. Deposit cost: no values. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 6.968687234487218 | |
| 2023-04-01 | 8.057095838329337 | |
| 2023-07-01 | 8.683646798082382 | |
| 2023-10-01 | 9.554478742950758 | |
| 2024-01-01 | 10.362312675213396 | |
| 2024-04-01 | 10.340382853182776 | |
| 2024-07-01 | 10.787532572015692 | |
| 2024-10-01 | 10.609368219338947 | |
| 2025-01-01 | 10.337009190340988 | |
| 2025-04-01 | 10.168723693857398 | |
| 2025-07-01 | 10.051838425224465 | |
| 2025-10-01 | 10.008309805673111 | |
| 2026-01-01 | 9.884391605487725 |
| assets ÷ equity |
| Stage 1 — performing | ₺119bn | 94.6% · 0.4% cover |
| Stage 2 — watchlist | ₺6.1bn | 4.9% · 6.5% cover |
| Stage 3 — NPL | ₺0.7bn | 0.5% · 82.1% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.66 at the start, 0.42 at the end, ranging 0.42 to 0.66. Loans: 0.75 at the start, 0.47 at the end, ranging 0.47 to 0.8. Deposits: 0. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.6633288803611215 | 0.7519691089768095 | 0 |
| 2023-04-01 | 0.6536670432420941 | 0.7966044253796444 | 0 |
| 2023-07-01 | 0.6002371280941604 | 0.7011840573925202 | 0 |
| 2023-10-01 | 0.5860072276973581 | 0.6886697538931331 | 0 |
| 2024-01-01 | 0.5599171674500638 | 0.6410043844892841 | 0 |
| 2024-04-01 | 0.525484225152034 | 0.6287612028129308 | 0 |
| 2024-07-01 | 0.5154897992319368 | 0.6150485833276208 | 0 |
| 2024-10-01 | 0.4817422856169756 | 0.5589836944973774 | 0 |
| 2025-01-01 | 0.45582954473027093 | 0.550970204061461 | 0 |
| 2025-04-01 | 0.47926705187581675 | 0.5299454652773955 | 0 |
| 2025-07-01 | 0.4499565023637229 | 0.5173566992267924 | 0 |
| 2025-10-01 | 0.4464835369881453 | 0.5042617695682328 | 0 |
| 2026-01-01 | 0.42156664412341405 | 0.4747622284252186 | 0 |