CarthagoTurkish banking dataStandardized per-bank financials from quarterly BRSA reports
1st of 23. 73.2pp of headroom — capital raised well ahead of the book.
Cleaner than the median — 2.66pp below it. The worst book in the field runs 6.7%.
| Metric | Q4 2025 | Q1 2026 | Δ |
|---|---|---|---|
| Capital adequacywhile assets grew 19.3% q/q | 60.1% | 85.2% | +25.14pp |
| NPL ratio | 0.00% | 0.01% | +0.01pp |
No flags active. LCR 1597% and TL+FC loan/deposit 61% — funding is not a constraint this quarter.
Trailing-twelve-month figures need four quarters of income statement over five quarter-ends of average balances. This bank has filed 3 quarters (first: 2025Q3), so yield, funding cost, spread, cost of risk and ROE cannot be formed without inventing a denominator.
rule: the ladder needs a ttm roe — never a blank tile
Deposit-light — still funded by its own capital. Deposits cover 23% of the balance sheet.
| Loan / deposit — TL+FC | 61% | self-funded · audited, quarterly |
| Assets per branch | — | branch count not filed |
| Assets per employee | ₺40mn | 126 staff |
| Leverage | 1.8× | assets ÷ equity |
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 footnotes| Stage 1 — performing | ₺0.7bn | 99.6% |
| Stage 2 — watchlist | ₺0.0bn | 0.4% |
| Stage 3 — NPL | ₺0.0bn | 0.0% · 19.2% cover |
Chart data: 3 rows, Date from 2025-07-01 to 2026-01-01. Assets: 0.01. Loans: 0. Deposits: 0. The full data follows as a table.
| Date | Assets | Loans | Deposits |
|---|---|---|---|
| 2025-07-01 | 0.013482727398628921 | 0.00003244389830788922 | 0.000008512502720189539 |
| 2025-10-01 | 0.009202072716274637 | 0.001257019050094406 | 0.0006825607785844931 |
| 2026-01-01 | 0.010388327764255216 | 0.0026544571550944996 | 0.003944497979628603 |