Turkey’s Banking Regulation and Supervision Agency (BDDK) released new data covering the first nine months of 2025, revealing the country’s debt landscape by province.
The capital, Ankara, recorded the highest total credit debt, while the central Anatolian province of Karaman had the largest share of citizens unable to repay their loans and facing collection proceedings.
According to a report in Nefes daily, when looking at total credit debt, Ankarans are at the top of the list with an average of 595,699 lira per person. In Istanbul, this figure was 582,897 lira, in Gaziantep 436,827 lira, in Antalya 383,718 lira, and in Denizli 343,533 lira.
The amount of non-performing receivables per capita in Karaman reached 13,316 lira. Karaman was followed by Istanbul with 12,903 lira and Muğla with 11,462 lira. Gaziantep ranked fourth with 10,680 lira, while Kocaeli ranked fifth with 9,989 lira.
The province experiencing the least difficulty in payments was Muş, with 1,702 lira. Bayburt and Gümüşhane also ranked among the cities with the lightest debt burden.
The provinces in the east and southeast continued to have the lowest credit debt levels. With 61,386 lira per person, Bingöl had the lowest debt, while Hakkari, Ağrı, Şırnak, and Muş were also notable for having low debt levels.
The report reveals that in a single year, banks' non-performing loans rose by 91%. While the increase in overall cash loans stayed at 42%, the amount, which was 263 billion lira last year, surpassed 502 billion lira this year.
