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Türkiye’s banking sector posted a net profit of ₺422.5 billion ($10.4 billion) as of the end of June 2025, the Banking Regulation and Supervision Agency (BRSA) announced Wednesday.
Total assets in the sector rose by ₺7 trillion from the end of 2024 to reach ₺39.67 trillion, while shareholders’ equity surged by 16.7% to ₺3.38 trillion.
Loans—classified as the largest component of banking assets—stood at ₺19.56 trillion, while the total value of securities held by banks reached ₺6.27 trillion.
The non-performing loan ratio was recorded at 2.12%, signaling relatively stable credit quality across the sector.
Deposits, the primary funding source for banks in Türkiye, increased by 21.2% compared to the end of 2024, reaching ₺22.91 trillion.
The capital adequacy ratio—a key indicator of financial stability—stood at 18.03%, well above international regulatory thresholds.
In July, the Central Bank of the Republic of Türkiye cut its policy rate by 300 basis points to 43%, signaling a return to looser monetary conditions. The decision lowered borrowing costs and expanded liquidity in the financial system, providing support to the profitability of Turkish banks.
Analysts at Goldman Sachs noted that the rate cuts are expected to enhance banks’ profit margins by easing interest expenses. In a research note published last week, the U.S.-based investment bank described the policy shift as a key catalyst for balance sheet improvement across the sector.
Türkiye’s banking index on Borsa Istanbul has returned nearly 10% since the beginning of 2025, outperforming the benchmark BIST 100 index, which posted an 8.6% gain over the same period.
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