Income Statement of Banking Sector - 2026

INCOME STATEMENT OF BANKING SECTOR

Currency: Thsd TL

YEAR 2026

JANUARY

FEBRUARY

MARCH

APRIL

MAY

JUNE

JULY

AUGUST

SEPTEMBER

OCTOBER

NOVEMBER

DECEMBER

INTEREST INCOME :

Interest from Loans

2,828,251

5,389,395

8,283,879

11,181,868

14,208,161

17,228,767

20,455,201

23,761,106

Interest from Non-performing Loans

24,781

106,895

152,206

242,987

292,694

371,959

455,494

500,684

Interest from Banks

2,216,086

4,270,364

6,560,574

9,001,039

11,792,241

14,696,951

17,950,053

21,402,361

Interest from Interbank Money Market

2,155,633

4,018,298

6,307,998

8,439,707

10,408,343

12,819,511

15,186,747

17,730,240

Interest from TRNC Development Bank Bonds/Bills

37,465

75,518

194,021

363,565

263,486

432,399

655,347

321,261

Interest from other securities

432,182

824,532

1,229,958

1,695,703

2,464,581

3,024,650

3,520,151

4,559,748

Interest from Reverse Repo Transactions

7,017

37,488

68,919

103,248

140,093

175,291

216,400

Other Interest and Quisi-Interest and Revenue

133,387

255,466

391,741

527,545

665,684

803,204

951,818

1,107,052

Total Interest Income (1+...+8)

7,827,785

14,947,485

23,157,865

31,521,333

40,198,438

49,517,534

59,350,102

69,598,852

INTEREST EXPENSES

10-

Interest to Deposits

3,065,498

5,847,467

8,941,950

12,067,292

15,410,871

18,861,662

22,620,011

26,567,337

11-

Interest to Banks

1,094,515

2,080,588

3,261,192

4,367,946

5,616,802

6,914,457

8,277,470

9,765,347

12-

Interest to Interbank Money Market

1,115

2,346

3,543

4,658

6,038

7,604

9,606

11,625

13-

Interest to Issued Securities

5,702

10,445

15,829

21,124

26,962

32,608

38,726

44,904

14-

Interest to Repo Transactions

15-

Other Interest and Quasi-Interest Expenses

4,728

8,584

14,264

18,215

21,445

23,343

26,631

30,205

16-

Total Interest Expenses (10+...+15)

4,171,558

7,949,430

12,236,778

16,479,235

21,082,118

25,839,674

30,972,444

36,419,418

17-

Net Interest Income (Expense) (9-16)

3,656,227

6,998,055

10,921,087

15,042,098

19,116,320

23,677,860

28,377,658

33,179,434

18-

Special Provisions for Non performing Loans

67,807

203,980

398,402

495,601

614,961

657,360

715,151

1,100,765

19-

General Provisions on Loans

102,860

184,695

259,282

406,876

532,814

645,799

764,776

895,068

20-

Net Interest Income (Expense) After Provisions [(17-(18+19)]

3,485,560

6,609,380

10,263,403

14,139,621

17,968,545

22,374,701

26,897,731

31,183,601

NON-INTEREST INCOME

21-

Fees and Commissions from Loans

132,687

276,605

440,879

587,580

733,230

934,037

1,135,120

1,288,693

22-

Profit Share from subsidiaries & afliliates

22,346

23-

Revenues from Banking Activities

939,034

1,827,925

2,852,658

3,882,716

4,919,342

6,123,129

7,371,851

8,602,507

24-

Income from Sale of Assets

1,368

2,525

2,565

39,137

51,789

83,353

85,631

85,679

25-

Other Non Interest (Other) Income

89,958

178,118

276,656

406,509

472,978

580,552

666,678

746,082

26-

Total Non Interest (Other) Income ( 21+….+25)

1,163,047

2,285,173

3,572,758

4,915,942

6,177,339

7,721,071

9,281,626

10,745,307

INTEREST EXPENSES

27-

Personnel Expenses

694,656

1,523,211

2,248,736

3,136,642

3,921,168

4,653,340

5,506,201

6,349,459

28-

Provision for Termination Indemnities

399

687

29-

Provisions for Securities, Affiliates, Subsidiaries and Joint Ventures Impairment

1,722

2,757

13,868

10,787

12,232

12,181

15,466

14,632

30-

Other Provisions

49,813

43,067

49,459

61,021

59,974

73,883

90,624

103,497

31-

Fees and Commissions Paid

446,343

875,547

1,342,190

1,853,416

2,328,752

2,937,812

3,536,327

4,184,656

32-

Depreciation

24,063

49,542

75,071

102,038

129,055

155,871

188,995

223,305

33-

Taxes, Duties, Charges and Funds

20,904

34,092

47,830

67,119

79,234

115,480

143,628

158,328

34-

Other Non Interest (Other) Expenses

510,576

997,608

1,501,467

2,047,944

2,597,184

3,181,658

3,814,096

4,378,923

35-

Total Non Interest (Other) Expenses (27+…+34)

1,748,476

3,526,223

5,279,020

7,279,366

9,127,998

11,130,624

13,296,024

15,413,487

OTHER NON-INTEREST INCOME (EXPENSE)

Capital Market Transactions Profits (Losses) (Net)

166,420

300,886

479,011

687,813

924,624

1,155,575

1,408,754

1,656,919

Foreign Currency Gains (Losses) (Net)

-134,944

197,689

616,536

747,148

937,132

1,397,776

1,591,923

1,670,964

Extraordinary Income (Expense) (Net)

39-

Total Other Non Interest (Other) Income (Expense) (36+…38)

31,476

498,575

1,095,547

1,434,961

1,861,756

2,553,351

3,000,677

3,327,883

40-

Profit (Loss) Before Tax [(20+26+39)-35]

2,931,607

5,866,905

9,652,688

13,211,158

16,879,642

21,518,499

25,884,010

29,843,304

41-

Provision for Taxes

620,258

1,241,607

2,045,940

2,857,472

3,679,349

4,639,112

5,572,712

6,459,964

42-

Net Income (Losses) (40-41)

2,311,349

4,625,298

7,606,748

10,353,686

13,200,293

16,879,387

20,311,298

23,383,340