The provinces that pay their debts most regularly have been identified: Cities with the least debt to banks announced

Data on non-performing loans in the banking sector for the first quarter of 2026 has been shared, detailed by province. During this period, the total cash loan volume was recorded at 25.58 trillion TL, while the amount of non-performing loans reached 678.7 billion TL. This figure corresponds to approximately 2.65 percent of the total credit volume.

Bayburt leads the list of cities with the most disciplined credit repayments. Among the provinces with the lowest total amount of non-performing loans, Bayburt, Gümüşhane, and Tunceli ranked in the top three. Bayburt topped the list with 163 million TL, followed by Gümüşhane with 274.57 million TL and Tunceli with 302.16 million TL. Ardahan, Kilis, Iğdır, Bingöl, Muş, Çankırı, and Erzincan also stood out among the provinces with low debt.

Similarly, the amount of non-performing loans per capita relative to the population yielded remarkable results. Muş was recorded as the province with the lowest debt per capita at 1,470 TL. In Bayburt and Bingöl, this figure was determined to be 1,970 TL. Gümüşhane (1,980 TL), Ağrı (2,100 TL), Bitlis (2,180 TL), Iğdır (2,480 TL), Kars (2,530 TL), Erzincan (2,540 TL), and Kilis (2,860 TL) were included in the list of low-risk provinces.

FINANCIAL DISCIPLINE STANDS OUT IN SMALL CITIES

According to expert assessments, the high level of credit repayment discipline in the provinces analyzed significantly reduces financial risk. It is observed that in cities with smaller populations, the debt burden is managed in a more controlled manner, and the rate of falling into credit default remains low. This picture is also characterized as an indicator of regional economic resilience.

Looking at the general results, it is stated that provinces that pay their debts on time are more economically stable and contribute positively to credit repayment performance in the banking sector.