{
  "id": "bddk-monthly-10002-ratio-16",
  "slug": "bddk-monthly-10002-ratio-16",
  "enabled": true,
  "title": "Mevduat bankaları · Faiz dışı gelirler / faiz dışı giderler (%)",
  "short_title": "Mevduat bankaları · Faiz dışı gelirler / faiz dışı giderler (%)",
  "description": "BDDK aylık bülteninde mevduat bankaları için yayımlanan gösterge: Faiz dışı gelirler / faiz dışı giderler (%).",
  "category": "banking",
  "unit": "%",
  "frequency": "monthly",
  "precision": 2,
  "source": {
    "name": "BDDK Aylık Bülten",
    "producer": "BDDK",
    "url": "https://www.bddk.org.tr/BultenAylik/",
    "access": "public_frontend_undocumented"
  },
  "adapter": "bddk_monthly",
  "adapter_options": {
    "group": "10002",
    "group_name": "Mevduat",
    "source_row": 16,
    "expected_title": "Faiz Dışı Gelirler / Faiz Dışı Giderler (%)"
  },
  "status": "available",
  "status_message": "Veriler, elle başlatılan yenilemede kaynaktan alındı. Otomatik veya anlık veri akışı sunulmaz.",
  "notes": [
    "Oranlar, BDDK'nin resmî aylık arayüzündeki tablodan alınır. Yeniden hesaplanmaz veya tarafımızca yıllıklandırılmaz.",
    "Banka grupları birbiriyle örtüşebilir. Bu nedenle grup toplamları birbiriyle toplanmamalıdır.",
    "Verinin ait olduğu ay ile yayımlanma tarihi farklıdır. Seri anahtarları, birimler ve grup adları her veri alımında denetlenir."
  ],
  "history_policy": {
    "mode": "source_full",
    "completeness": "unverified",
    "start": "2003-01-01"
  },
  "presentation": {
    "subtitle": "BDDK aylık bülteni · Mevduat bankaları; oran ve birim tanımı kaynaktaki gibidir",
    "source_credit": "BDDK"
  },
  "preferred_chart": "line",
  "observations": [
    {
      "date": "2003-01-31",
      "value": 0.0
    },
    {
      "date": "2003-02-28",
      "value": 0.0
    },
    {
      "date": "2003-03-31",
      "value": 0.0
    },
    {
      "date": "2003-04-30",
      "value": 0.0
    },
    {
      "date": "2003-05-31",
      "value": 0.0
    },
    {
      "date": "2003-06-30",
      "value": 0.0
    },
    {
      "date": "2003-07-31",
      "value": 0.0
    },
    {
      "date": "2003-08-31",
      "value": 0.0
    },
    {
      "date": "2003-09-30",
      "value": 0.0
    },
    {
      "date": "2003-10-31",
      "value": 0.0
    },
    {
      "date": "2003-11-30",
      "value": 0.0
    },
    {
      "date": "2003-12-31",
      "value": 0.0
    },
    {
      "date": "2004-01-31",
      "value": 99.711901
    },
    {
      "date": "2004-02-29",
      "value": 98.51076
    },
    {
      "date": "2004-03-31",
      "value": 96.073898
    },
    {
      "date": "2004-04-30",
      "value": 94.44808
    },
    {
      "date": "2004-05-31",
      "value": 93.246062
    },
    {
      "date": "2004-06-30",
      "value": 89.746226
    },
    {
      "date": "2004-07-31",
      "value": 94.34655
    },
    {
      "date": "2004-08-31",
      "value": 90.073583
    },
    {
      "date": "2004-09-30",
      "value": 88.827942
    },
    {
      "date": "2004-10-31",
      "value": 89.400301
    },
    {
      "date": "2004-11-30",
      "value": 90.367336
    },
    {
      "date": "2004-12-31",
      "value": 89.964618
    },
    {
      "date": "2005-01-31",
      "value": 99.0545
    },
    {
      "date": "2005-02-28",
      "value": 98.224266
    },
    {
      "date": "2005-03-31",
      "value": 92.481734
    },
    {
      "date": "2005-04-30",
      "value": 91.610227
    },
    {
      "date": "2005-05-31",
      "value": 92.401995
    },
    {
      "date": "2005-06-30",
      "value": 90.829738
    },
    {
      "date": "2005-07-31",
      "value": 90.814968
    },
    {
      "date": "2005-08-31",
      "value": 90.392235
    },
    {
      "date": "2005-09-30",
      "value": 85.486399
    },
    {
      "date": "2005-10-31",
      "value": 86.16058
    },
    {
      "date": "2005-11-30",
      "value": 86.404883
    },
    {
      "date": "2005-12-31",
      "value": 84.558373
    },
    {
      "date": "2006-01-31",
      "value": 95.416335
    },
    {
      "date": "2006-02-28",
      "value": 92.238479
    },
    {
      "date": "2006-03-31",
      "value": 92.502331
    },
    {
      "date": "2006-04-30",
      "value": 93.550561
    },
    {
      "date": "2006-05-31",
      "value": 93.746532
    },
    {
      "date": "2006-06-30",
      "value": 94.225425
    },
    {
      "date": "2006-07-31",
      "value": 94.395268
    },
    {
      "date": "2006-08-31",
      "value": 94.901292
    },
    {
      "date": "2006-09-30",
      "value": 94.704946
    },
    {
      "date": "2006-10-31",
      "value": 94.217629
    },
    {
      "date": "2006-11-30",
      "value": 94.402002
    },
    {
      "date": "2006-12-31",
      "value": 93.903959
    },
    {
      "date": "2007-01-31",
      "value": 91.311358
    },
    {
      "date": "2007-02-28",
      "value": 92.068926
    },
    {
      "date": "2007-03-31",
      "value": 92.568374
    },
    {
      "date": "2007-04-30",
      "value": 93.812576
    },
    {
      "date": "2007-05-31",
      "value": 94.709236
    },
    {
      "date": "2007-06-30",
      "value": 95.290915
    },
    {
      "date": "2007-07-31",
      "value": 95.201626
    },
    {
      "date": "2007-08-31",
      "value": 95.339973
    },
    {
      "date": "2007-09-30",
      "value": 95.321604
    },
    {
      "date": "2007-10-31",
      "value": 95.510765
    },
    {
      "date": "2007-11-30",
      "value": 95.316246
    },
    {
      "date": "2007-12-31",
      "value": 94.241582
    },
    {
      "date": "2008-01-31",
      "value": 95.544089
    },
    {
      "date": "2008-02-29",
      "value": 95.215393
    },
    {
      "date": "2008-03-31",
      "value": 95.497082
    },
    {
      "date": "2008-04-30",
      "value": 96.883047
    },
    {
      "date": "2008-05-31",
      "value": 96.91538
    },
    {
      "date": "2008-06-30",
      "value": 95.950903
    },
    {
      "date": "2008-07-31",
      "value": 95.903549
    },
    {
      "date": "2008-08-31",
      "value": 96.231693
    },
    {
      "date": "2008-09-30",
      "value": 95.262416
    },
    {
      "date": "2008-10-31",
      "value": 95.947734
    },
    {
      "date": "2008-11-30",
      "value": 96.076645
    },
    {
      "date": "2008-12-31",
      "value": 95.330004
    },
    {
      "date": "2009-01-31",
      "value": 97.322183
    },
    {
      "date": "2009-02-28",
      "value": 96.176315
    },
    {
      "date": "2009-03-31",
      "value": 96.151348
    },
    {
      "date": "2009-04-30",
      "value": 96.455346
    },
    {
      "date": "2009-05-31",
      "value": 96.293563
    },
    {
      "date": "2009-06-30",
      "value": 96.034813
    },
    {
      "date": "2009-07-31",
      "value": 95.966619
    },
    {
      "date": "2009-08-31",
      "value": 95.589924
    },
    {
      "date": "2009-09-30",
      "value": 95.083693
    },
    {
      "date": "2009-10-31",
      "value": 95.017405
    },
    {
      "date": "2009-11-30",
      "value": 94.776775
    },
    {
      "date": "2009-12-31",
      "value": 94.325491
    },
    {
      "date": "2010-01-31",
      "value": 96.74358
    },
    {
      "date": "2010-02-28",
      "value": 95.917957
    },
    {
      "date": "2010-03-31",
      "value": 96.473684
    },
    {
      "date": "2010-04-30",
      "value": 96.840349
    },
    {
      "date": "2010-05-31",
      "value": 96.938946
    },
    {
      "date": "2010-06-30",
      "value": 96.602954
    },
    {
      "date": "2010-07-31",
      "value": 96.435909
    },
    {
      "date": "2010-08-31",
      "value": 96.414578
    },
    {
      "date": "2010-09-30",
      "value": 96.593609
    },
    {
      "date": "2010-10-31",
      "value": 96.631526
    },
    {
      "date": "2010-11-30",
      "value": 96.502084
    },
    {
      "date": "2010-12-31",
      "value": 96.296872
    },
    {
      "date": "2011-01-31",
      "value": 96.51481
    },
    {
      "date": "2011-02-28",
      "value": 96.87789
    },
    {
      "date": "2011-03-31",
      "value": 98.615986
    },
    {
      "date": "2011-04-30",
      "value": 98.295562
    },
    {
      "date": "2011-05-31",
      "value": 98.249888
    },
    {
      "date": "2011-06-30",
      "value": 98.356001
    },
    {
      "date": "2011-07-31",
      "value": 98.11538
    },
    {
      "date": "2011-08-31",
      "value": 97.964999
    },
    {
      "date": "2011-09-30",
      "value": 98.047983
    },
    {
      "date": "2011-10-31",
      "value": 98.132245
    },
    {
      "date": "2011-11-30",
      "value": 97.998696
    },
    {
      "date": "2011-12-31",
      "value": 97.836783
    },
    {
      "date": "2012-01-31",
      "value": 96.83271
    },
    {
      "date": "2012-02-29",
      "value": 96.643862
    },
    {
      "date": "2012-03-31",
      "value": 97.103816
    },
    {
      "date": "2012-04-30",
      "value": 96.898038
    },
    {
      "date": "2012-05-31",
      "value": 97.172
    },
    {
      "date": "2012-06-30",
      "value": 97.366294
    },
    {
      "date": "2012-07-31",
      "value": 97.687232
    },
    {
      "date": "2012-08-31",
      "value": 96.455374
    },
    {
      "date": "2012-09-30",
      "value": 97.403103
    },
    {
      "date": "2012-10-31",
      "value": 97.31811
    },
    {
      "date": "2012-11-30",
      "value": 97.228537
    },
    {
      "date": "2012-12-31",
      "value": 96.07211
    },
    {
      "date": "2013-01-31",
      "value": 97.495702
    },
    {
      "date": "2013-02-28",
      "value": 96.558402
    },
    {
      "date": "2013-03-31",
      "value": 96.010269
    },
    {
      "date": "2013-04-30",
      "value": 95.726576
    },
    {
      "date": "2013-05-31",
      "value": 95.985247
    },
    {
      "date": "2013-06-30",
      "value": 96.371646
    },
    {
      "date": "2013-07-31",
      "value": 96.590178
    },
    {
      "date": "2013-08-31",
      "value": 96.565432
    },
    {
      "date": "2013-09-30",
      "value": 96.698206
    },
    {
      "date": "2013-10-31",
      "value": 96.630883
    },
    {
      "date": "2013-11-30",
      "value": 96.594945
    },
    {
      "date": "2013-12-31",
      "value": 96.500997
    },
    {
      "date": "2014-01-31",
      "value": 98.576373
    },
    {
      "date": "2014-02-28",
      "value": 99.28259
    },
    {
      "date": "2014-03-31",
      "value": 99.026189
    },
    {
      "date": "2014-04-30",
      "value": 98.793654
    },
    {
      "date": "2014-05-31",
      "value": 98.590348
    },
    {
      "date": "2014-06-30",
      "value": 98.456484
    },
    {
      "date": "2014-07-31",
      "value": 98.243878
    },
    {
      "date": "2014-08-31",
      "value": 98.083351
    },
    {
      "date": "2014-09-30",
      "value": 97.942674
    },
    {
      "date": "2014-10-31",
      "value": 97.992514
    },
    {
      "date": "2014-11-30",
      "value": 98.218833
    },
    {
      "date": "2014-12-31",
      "value": 98.626513
    },
    {
      "date": "2015-01-31",
      "value": 99.464282
    },
    {
      "date": "2015-02-28",
      "value": 99.412685
    },
    {
      "date": "2015-03-31",
      "value": 99.471856
    },
    {
      "date": "2015-04-30",
      "value": 99.425532
    },
    {
      "date": "2015-05-31",
      "value": 99.441223
    },
    {
      "date": "2015-06-30",
      "value": 99.475144
    },
    {
      "date": "2015-07-31",
      "value": 99.450751
    },
    {
      "date": "2015-08-31",
      "value": 99.455591
    },
    {
      "date": "2015-09-30",
      "value": 99.481052
    },
    {
      "date": "2015-10-31",
      "value": 99.493289
    },
    {
      "date": "2015-11-30",
      "value": 99.503509
    },
    {
      "date": "2015-12-31",
      "value": 99.486884
    },
    {
      "date": "2016-01-31",
      "value": 99.524865
    },
    {
      "date": "2016-02-29",
      "value": 0.0
    },
    {
      "date": "2016-03-31",
      "value": 99.469314
    },
    {
      "date": "2016-04-30",
      "value": 99.459897
    },
    {
      "date": "2016-05-31",
      "value": 99.479482
    },
    {
      "date": "2016-06-30",
      "value": 99.470886
    },
    {
      "date": "2016-07-31",
      "value": 99.391351
    },
    {
      "date": "2016-08-31",
      "value": 99.324396
    },
    {
      "date": "2016-09-30",
      "value": 99.208627
    },
    {
      "date": "2016-10-31",
      "value": 99.137412
    },
    {
      "date": "2016-11-30",
      "value": 99.076621
    },
    {
      "date": "2016-12-31",
      "value": 98.990372
    },
    {
      "date": "2017-01-31",
      "value": 98.494741
    },
    {
      "date": "2017-02-28",
      "value": 0.0
    },
    {
      "date": "2017-03-31",
      "value": 0.0
    },
    {
      "date": "2017-04-30",
      "value": 98.049526
    },
    {
      "date": "2017-05-31",
      "value": 97.879922
    },
    {
      "date": "2017-06-30",
      "value": 97.699546
    },
    {
      "date": "2017-07-31",
      "value": 97.574832
    },
    {
      "date": "2017-08-31",
      "value": 97.460149
    },
    {
      "date": "2017-09-30",
      "value": 97.385397
    },
    {
      "date": "2017-10-31",
      "value": 97.370999
    },
    {
      "date": "2017-11-30",
      "value": 97.36239
    },
    {
      "date": "2017-12-31",
      "value": 97.204582
    },
    {
      "date": "2018-01-31",
      "value": 97.594697
    },
    {
      "date": "2018-02-28",
      "value": 96.777129
    },
    {
      "date": "2018-03-31",
      "value": 96.838327
    },
    {
      "date": "2018-04-30",
      "value": 97.09042
    },
    {
      "date": "2018-05-31",
      "value": 97.712816
    },
    {
      "date": "2018-06-30",
      "value": 97.745547
    },
    {
      "date": "2018-07-31",
      "value": 97.78564
    },
    {
      "date": "2018-08-31",
      "value": 98.397698
    },
    {
      "date": "2018-09-30",
      "value": 98.380268
    },
    {
      "date": "2018-10-31",
      "value": 98.401721
    },
    {
      "date": "2018-11-30",
      "value": 98.342257
    },
    {
      "date": "2018-12-31",
      "value": 98.193232
    },
    {
      "date": "2019-01-31",
      "value": 98.587631
    },
    {
      "date": "2019-02-28",
      "value": 97.723497
    },
    {
      "date": "2019-03-31",
      "value": 97.77653
    },
    {
      "date": "2019-04-30",
      "value": 97.570334
    },
    {
      "date": "2019-05-31",
      "value": 97.523111
    },
    {
      "date": "2019-06-30",
      "value": 97.420681
    },
    {
      "date": "2019-07-31",
      "value": 97.508797
    },
    {
      "date": "2019-08-31",
      "value": 97.329923
    },
    {
      "date": "2019-09-30",
      "value": 97.24128
    },
    {
      "date": "2019-10-31",
      "value": 97.186972
    },
    {
      "date": "2019-11-30",
      "value": 97.034529
    },
    {
      "date": "2019-12-31",
      "value": 96.651964
    },
    {
      "date": "2020-01-31",
      "value": 96.797093
    },
    {
      "date": "2020-02-29",
      "value": 96.122535
    },
    {
      "date": "2020-03-31",
      "value": 95.992095
    },
    {
      "date": "2020-04-30",
      "value": 96.038842
    },
    {
      "date": "2020-05-31",
      "value": 96.283451
    },
    {
      "date": "2020-06-30",
      "value": 95.885178
    },
    {
      "date": "2020-07-31",
      "value": 95.77103
    },
    {
      "date": "2020-08-31",
      "value": 95.976256
    },
    {
      "date": "2020-09-30",
      "value": 96.038701
    },
    {
      "date": "2020-10-31",
      "value": 96.151855
    },
    {
      "date": "2020-11-30",
      "value": 96.801562
    },
    {
      "date": "2020-12-31",
      "value": 96.710563
    },
    {
      "date": "2021-01-31",
      "value": 98.161333
    },
    {
      "date": "2021-02-28",
      "value": 98.378619
    },
    {
      "date": "2021-03-31",
      "value": 98.66182
    },
    {
      "date": "2021-04-30",
      "value": 98.543188
    },
    {
      "date": "2021-05-31",
      "value": 98.237413
    },
    {
      "date": "2021-06-30",
      "value": 98.245445
    },
    {
      "date": "2021-07-31",
      "value": 98.100688
    },
    {
      "date": "2021-08-31",
      "value": 98.023047
    },
    {
      "date": "2021-09-30",
      "value": 97.858658
    },
    {
      "date": "2021-10-31",
      "value": 97.862711
    },
    {
      "date": "2021-11-30",
      "value": 98.142313
    },
    {
      "date": "2021-12-31",
      "value": 98.767161
    },
    {
      "date": "2022-01-31",
      "value": 99.190461
    },
    {
      "date": "2022-02-28",
      "value": 98.896828
    },
    {
      "date": "2022-03-31",
      "value": 98.926828
    },
    {
      "date": "2022-04-30",
      "value": 98.86254
    },
    {
      "date": "2022-05-31",
      "value": 98.877217
    },
    {
      "date": "2022-06-30",
      "value": 98.764559
    },
    {
      "date": "2022-07-31",
      "value": 98.512215
    },
    {
      "date": "2022-08-31",
      "value": 98.555822
    },
    {
      "date": "2022-09-30",
      "value": 98.348507
    },
    {
      "date": "2022-10-31",
      "value": 98.349888
    },
    {
      "date": "2022-11-30",
      "value": 98.295932
    },
    {
      "date": "2022-12-31",
      "value": 97.854395
    },
    {
      "date": "2023-01-31",
      "value": 99.770324
    },
    {
      "date": "2023-02-28",
      "value": 99.112115
    },
    {
      "date": "2023-03-31",
      "value": 99.035821
    },
    {
      "date": "2023-04-30",
      "value": 99.344306
    },
    {
      "date": "2023-05-31",
      "value": 100.070342
    },
    {
      "date": "2023-06-30",
      "value": 100.751911
    },
    {
      "date": "2023-07-31",
      "value": 100.771158
    },
    {
      "date": "2023-08-31",
      "value": 100.756025
    },
    {
      "date": "2023-09-30",
      "value": 100.748265
    },
    {
      "date": "2023-10-31",
      "value": 100.502136
    },
    {
      "date": "2023-11-30",
      "value": 100.326036
    },
    {
      "date": "2023-12-31",
      "value": 100.07558
    },
    {
      "date": "2024-01-31",
      "value": 98.71044
    },
    {
      "date": "2024-02-29",
      "value": 98.327034
    },
    {
      "date": "2024-03-31",
      "value": 98.794568
    },
    {
      "date": "2024-04-30",
      "value": 98.388974
    },
    {
      "date": "2024-05-31",
      "value": 98.305888
    },
    {
      "date": "2024-06-30",
      "value": 98.724969
    },
    {
      "date": "2024-07-31",
      "value": 98.750273
    },
    {
      "date": "2024-08-31",
      "value": 98.771747
    },
    {
      "date": "2024-09-30",
      "value": 98.875356
    },
    {
      "date": "2024-10-31",
      "value": 98.888125
    },
    {
      "date": "2024-11-30",
      "value": 98.905794
    },
    {
      "date": "2024-12-31",
      "value": 98.764405
    },
    {
      "date": "2025-01-31",
      "value": 98.7897
    },
    {
      "date": "2025-02-28",
      "value": 98.668038
    },
    {
      "date": "2025-03-31",
      "value": 98.787126
    },
    {
      "date": "2025-04-30",
      "value": 98.710915
    },
    {
      "date": "2025-05-31",
      "value": 98.690321
    },
    {
      "date": "2025-06-30",
      "value": 98.483175
    },
    {
      "date": "2025-07-31",
      "value": 98.420772
    },
    {
      "date": "2025-08-31",
      "value": 98.220095
    },
    {
      "date": "2025-09-30",
      "value": 98.048097
    },
    {
      "date": "2025-10-31",
      "value": 98.026111
    },
    {
      "date": "2025-11-30",
      "value": 97.836764
    },
    {
      "date": "2025-12-31",
      "value": 97.54359
    },
    {
      "date": "2026-01-31",
      "value": 98.247511
    },
    {
      "date": "2026-02-28",
      "value": 97.590776
    },
    {
      "date": "2026-03-31",
      "value": 97.002169
    },
    {
      "date": "2026-04-30",
      "value": 98.917937
    },
    {
      "date": "2026-05-31",
      "value": 98.601714
    },
    {
      "date": "2026-06-30",
      "value": 98.352709
    },
    {
      "date": "2026-07-31",
      "value": 96.190543
    },
    {
      "date": "2026-08-31",
      "value": 96.009181
    }
  ],
  "retrieved_at": "2026-10-24T16:45:21Z",
  "reference_period": "2026-08-31",
  "coverage": {
    "first": "2003-01-31",
    "last": "2026-08-31",
    "observations": 284,
    "completeness": "source_response"
  }
}
