CarthagoTurkish banking data
ŞekerbankStandardized per-bank financials from quarterly BRSA reports
5th of 23 — top quartile, 10.1pp over the target.
Cleaner than the median — 1.33pp below it. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 15.1% q/q | 22.5% | 22.1% | −0.36pp |
| Loan–deposit spread | 13.95% | 14.72% | +0.77pp |
| NPL ratio | 1.29% | 1.33% | +0.04pp |
| ROE (TTM) | 17.6% | 17.7% | +0.1pp |
Funded by depositors, not markets. Deposits cover 66% of the balance sheet.
| Loan / deposit — TL+FC | 88% | self-funded · audited, quarterly |
| Assets per branch | ₺1.0bn | 239 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.
17 items17th of 21 — 6.8pp under the median and 10.9pp under inflation.
5th of 21. 1.93pp over the median margin.
18th of 21 — bottom quartile, 20.8pp worse than the median.
Real returns. ROE 17.7% against 32.1% 12-month-average CPI: equity compounds a 14.4pp real loss.roe − cpi_12m_avg < 0
Liquidity clear. LCR 138% and TL+FC loan/deposit 88% — 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: 16.67 at the start, 32.15 at the end, ranging 16.06 to 32.51. Deposit cost: 6.07 at the start, 17.42 at the end, ranging 6.07 to 19.72. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 16.66606003308283 | 6.069401000416394 |
| 2023-04-01 | 16.46666348185106 | 6.195545595250841 |
| 2023-07-01 | 16.063602443292112 | 6.856825416860827 |
| 2023-10-01 | 17.978256765146515 | 8.380748028588547 |
| 2024-01-01 | 21.425638765625976 | 10.59572003993962 |
| 2024-04-01 | 25.89389346834349 | 13.152758405099119 |
| 2024-07-01 | 29.621917008960224 | 15.849566167274428 |
| 2024-10-01 | 31.168205997225616 | 18.187305611808352 |
| 2025-01-01 | 31.43217559811032 | 19.610695149431088 |
| 2025-04-01 | 31.80061052092715 | 19.718696996424384 |
| 2025-07-01 | 32.13003739045655 | 19.48080334619722 |
| 2025-10-01 | 32.5053398045363 | 18.5544359630141 |
| 2026-01-01 | 32.14644822567998 | 17.423931859506467 |
| ₺71mn |
| 3,329 staff |
| Leverage | 16.9× | assets ÷ equity |
| Stage 1 — performing | ₺133bn | 96.1% · 0.2% cover |
| Stage 2 — watchlist | ₺3.5bn | 2.6% · 13.0% cover |
| Stage 3 — NPL | ₺1.8bn | 1.3% · 48.3% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 0.41 at the start, 0.49 at the end, ranging 0.35 to 0.49. Loans: 0.41 at the start, 0.52 at the end, ranging 0.34 to 0.52. Deposits: 0.43 at the start, 0.53 at the end, ranging 0.34 to 0.53. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 0.41211591047639634 | 0.40761156519832303 | 0.4317072127494693 |
| 2023-04-01 | 0.38319933532575345 | 0.36946582580258086 | 0.4014201841975446 |
| 2023-07-01 | 0.3648942767826134 | 0.35496548600526234 | 0.36486218979801516 |
| 2023-10-01 | 0.3535994085451453 | 0.3483398525414706 | 0.3372025007955766 |
| 2024-01-01 | 0.36779922399847464 | 0.3410838296088474 | 0.3367603541500185 |
| 2024-04-01 | 0.3678320085092393 | 0.3544647342987635 | 0.36811475576827263 |
| 2024-07-01 | 0.3618352269144241 | 0.3510945757115454 | 0.3659689337803202 |
| 2024-10-01 | 0.3673088217262974 | 0.35307428470987373 | 0.37006429567800053 |
| 2025-01-01 | 0.3608867113190446 | 0.38854640086381437 | 0.3936182564548514 |
| 2025-04-01 | 0.4056132698201783 | 0.4075666109321488 | 0.45976321411820276 |
| 2025-07-01 | 0.4285952595969471 | 0.43423132572691153 | 0.45218583394220435 |
| 2025-10-01 | 0.4481514610084691 | 0.4717572854081647 | 0.4921793461723445 |
| 2026-01-01 | 0.48794123440396253 | 0.522011164585088 | 0.5325118998572239 |