CarthagoTurkish banking data
Yapı KrediStandardized per-bank financials from quarterly BRSA reports
12th of 23. One of the field's thinnest buffers — 3.6pp over the 12% target ratio.
1.39pp above the median. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 7.3% q/q | 18.1% | 15.6% | −2.49pp |
| Loan–deposit spread | 6.99% | 7.08% | +0.09pp |
| NPL ratio5 consecutive rises | 3.81% | 4.06% | +0.24pp |
| ROE (TTM) | 21.1% | 23.4% | +2.3pp |
Funded by depositors, not markets. Deposits cover 54% of the balance sheet.
| Loan / deposit — TL+FC | 103% | leans on wholesale · audited, quarterly |
| Assets per branch | ₺4.6bn |
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.
29 items12th of 21 — 1.1pp under the median and 6.6pp under inflation.
9th of 21. 0.32pp over the median margin.
11th of 21 — lower half, 0.0pp worse than the median.
Capital step-down. CAR fell 2.5pp in a quarter to 15.6% — a 3.6pp buffer over the 12% target ratio, 23rd of 37, while the balance sheet grew 7.3% q/q.Δcar_qoq < −1pp AND buffer < 8pp
Real returns. ROE 23.4% against 32.1% 12-month-average CPI: equity compounds a 8.7pp real loss.roe − cpi_12m_avg < 0
NPL drift. 5 consecutive quarterly rises, to 4.06%. Level and direction are both adverse. Stage-2 — the pre-NPL watchlist — sits at 12.0% of the book.consecutive_rise(npl) ≥ 4q
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Loan yield: 13.95 at the start, 25.64 at the end, ranging 13.95 to 26.76. Deposit cost: 7.51 at the start, 18.56 at the end, ranging 7.51 to 21.71. The full data follows as a table.
| Date | Loan yield | Deposit cost |
|---|---|---|
| 2023-01-01 | 13.950137701317786 | 7.511599702184172 |
| 2023-04-01 | 14.622621239889499 | 9.55444974468726 |
| 2023-07-01 | 15.556639538318926 | 11.2381467493439 |
| 2023-10-01 | 17.819076977355977 | 13.675861144887024 |
| 2024-01-01 | 20.55073440489571 | 15.879977941728127 |
| 2024-04-01 | 23.043392236933318 | 18.146903913887414 |
| 2024-07-01 | 25.475333117594662 | 20.578600229428666 |
| 2024-10-01 | 26.486879599161668 | 21.706517706131915 |
| 2025-01-01 | 26.664841973926585 | 21.327514320637768 |
| 2025-04-01 | 26.75737493891626 | 20.747904607983266 |
| 2025-07-01 | 26.539034574094167 | 19.978641450919664 |
| 2025-10-01 | 26.18001887499825 | 19.19491801707494 |
| 2026-01-01 | 25.637083635808285 | 18.55978324726692 |
| 741 branches |
| Assets per employee | ₺232mn | 14,653 staff |
| Leverage | 12.5× | assets ÷ equity |
| Stage 1 — performing | ₺1594bn | 84.0% |
| Stage 2 — watchlist | ₺228bn | 12.0% |
| Stage 3 — NPL | ₺77.0bn | 4.1% · 61.8% cover |
Chart data: 13 rows, Date from 2023-01-01 to 2026-01-01. Assets: 7.56 at the start, 7.06 at the end, ranging 6.96 to 7.95. Loans: 7.27 at the start, 7.17 at the end, ranging 7.01 to 7.94. Deposits: 7.28 at the start, 6.27 at the end, ranging 6.26 to 7.3. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2023-01-01 | 7.55541630188588 | 7.267400650217155 | 7.280519858614622 |
| 2023-04-01 | 7.390410687689075 | 7.006442557565906 | 7.30067158598155 |
| 2023-07-01 | 7.598710488815698 | 7.071577484232637 | 6.75348709090417 |
| 2023-10-01 | 7.555663456878807 | 7.394031478370561 | 6.6032090251390825 |
| 2024-01-01 | 7.951016133968183 | 7.795179939434058 | 7.071738341561579 |
| 2024-04-01 | 7.954351695165239 | 7.940095136414136 | 6.984024184094456 |
| 2024-07-01 | 7.820375245744492 | 7.600674061257391 | 6.657899353660104 |
| 2024-10-01 | 7.466523928116879 | 7.342210655856235 | 6.332623854760655 |
| 2025-01-01 | 7.225895160211 | 7.207769599624076 | 6.393630938789934 |
| 2025-04-01 | 7.267582507884822 | 7.295298184425722 | 6.338792500495838 |
| 2025-07-01 | 7.175799391064679 | 7.314982884566951 | 6.2612210458821 |
| 2025-10-01 | 6.955145868634006 | 7.269988428819765 | 6.274393359894906 |
| 2026-01-01 | 7.0576459762703685 | 7.167884241143561 | 6.265556141833822 |