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The Banking Regulation and Supervision Agency (BRSA) has shared debt data for the first nine months of 2025. According to the data, Turkey's most indebted provinces have been identified.
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PROVINCES WITH THE HIGHEST NON-PERFORMING LOANS
According to BRSA data, the per capita amount of non-performing loans is ranked by province as follows:
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Karaman – 13,316 TL
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Istanbul – 12,903 TL
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Muğla – 11,462 TL
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Gaziantep – 10,680 TL
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Kocaeli – 9,989 TL
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Among the provinces with the fewest payment issues are:
Muş – 1,702 TL
Bayburt and Gümüşhane also drew attention with their low debt burden.
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ANKARA HAS THE HIGHEST PER CAPITA CREDIT DEBT
According to the report by Nefes, the ranking of provinces in terms of per capita credit debt is as follows:
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Ankara – 595,699 TL
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Istanbul – 582,897 TL
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Gaziantep – 436,827 TL
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Antalya – 383,718 TL
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Denizli – 343,533 TL
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DEBT LEVELS ARE LOW IN EASTERN AND SOUTHEASTERN PROVINCES
The Eastern and Southeastern Anatolia regions remained at the lowest levels in terms of credit debt.
Bingöl was the least indebted city with 61 thousand 386 liras per capita, followed by Hakkari, Ağrı, Şırnak, and Muş.
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NON-PERFORMING LOANS INCREASED BY 91 PERCENT IN ONE YEAR
According to the BRSA's 9-month report for 2025, banks' non-performing loans rose by 91 percent over the last year.
The amount of non-performing loans, which was 263 billion TL in 2024,
exceeded 502 billion TL in 2025.
The growth rate in total cash loans remained at the 42 percent level.
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RECORD INCREASE IN CONSUMER LOANS
Citizens struggling with the cost of living have turned to cash advances and overdraft accounts.
Overdraft accounts increased by 83 percent in one year to reach 660.9 billion TL.
Individual credit card debt exceeded 2.5 trillion TL with a 54 percent increase.
The non-performing ratio in housing loans rose to 58 percent,
while the non-performing ratio in other consumer loans rose to 117 percent.
News Source : 12punto
