{
  "id": "bddk-monthly-10003-ratio-16",
  "slug": "bddk-monthly-10003-ratio-16",
  "enabled": true,
  "title": "Katılım bankaları · Faiz dışı gelirler / faiz dışı giderler (%)",
  "short_title": "Katılım bankaları · Faiz dışı gelirler / faiz dışı giderler (%)",
  "description": "BDDK aylık bülteninde katılım 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": "10003",
    "group_name": "Katılım",
    "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 · Katılım 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": 0.0
    },
    {
      "date": "2004-02-29",
      "value": 0.0
    },
    {
      "date": "2004-03-31",
      "value": 0.0
    },
    {
      "date": "2004-04-30",
      "value": 0.0
    },
    {
      "date": "2004-05-31",
      "value": 0.0
    },
    {
      "date": "2004-06-30",
      "value": 0.0
    },
    {
      "date": "2004-07-31",
      "value": 0.0
    },
    {
      "date": "2004-08-31",
      "value": 0.0
    },
    {
      "date": "2004-09-30",
      "value": 0.0
    },
    {
      "date": "2004-10-31",
      "value": 0.0
    },
    {
      "date": "2004-11-30",
      "value": 0.0
    },
    {
      "date": "2004-12-31",
      "value": 0.0
    },
    {
      "date": "2005-01-31",
      "value": 87.928539
    },
    {
      "date": "2005-02-28",
      "value": 89.916385
    },
    {
      "date": "2005-03-31",
      "value": 86.495068
    },
    {
      "date": "2005-04-30",
      "value": 86.216712
    },
    {
      "date": "2005-05-31",
      "value": 89.29184
    },
    {
      "date": "2005-06-30",
      "value": 90.461954
    },
    {
      "date": "2005-07-31",
      "value": 90.655252
    },
    {
      "date": "2005-08-31",
      "value": 89.444492
    },
    {
      "date": "2005-09-30",
      "value": 90.271321
    },
    {
      "date": "2005-10-31",
      "value": 90.039946
    },
    {
      "date": "2005-11-30",
      "value": 92.275741
    },
    {
      "date": "2005-12-31",
      "value": 93.336345
    },
    {
      "date": "2006-01-31",
      "value": 86.487628
    },
    {
      "date": "2006-02-28",
      "value": 83.270398
    },
    {
      "date": "2006-03-31",
      "value": 86.25715
    },
    {
      "date": "2006-04-30",
      "value": 86.709865
    },
    {
      "date": "2006-05-31",
      "value": 93.965906
    },
    {
      "date": "2006-06-30",
      "value": 94.507623
    },
    {
      "date": "2006-07-31",
      "value": 94.147894
    },
    {
      "date": "2006-08-31",
      "value": 93.926472
    },
    {
      "date": "2006-09-30",
      "value": 93.520436
    },
    {
      "date": "2006-10-31",
      "value": 92.792591
    },
    {
      "date": "2006-11-30",
      "value": 92.438692
    },
    {
      "date": "2006-12-31",
      "value": 92.632525
    },
    {
      "date": "2007-01-31",
      "value": 80.10803
    },
    {
      "date": "2007-02-28",
      "value": 85.134181
    },
    {
      "date": "2007-03-31",
      "value": 84.392492
    },
    {
      "date": "2007-04-30",
      "value": 87.497726
    },
    {
      "date": "2007-05-31",
      "value": 87.676961
    },
    {
      "date": "2007-06-30",
      "value": 87.856083
    },
    {
      "date": "2007-07-31",
      "value": 87.984409
    },
    {
      "date": "2007-08-31",
      "value": 88.493524
    },
    {
      "date": "2007-09-30",
      "value": 91.125881
    },
    {
      "date": "2007-10-31",
      "value": 90.766418
    },
    {
      "date": "2007-11-30",
      "value": 91.158911
    },
    {
      "date": "2007-12-31",
      "value": 91.969481
    },
    {
      "date": "2008-01-31",
      "value": 83.065284
    },
    {
      "date": "2008-02-29",
      "value": 88.988355
    },
    {
      "date": "2008-03-31",
      "value": 93.947154
    },
    {
      "date": "2008-04-30",
      "value": 92.640303
    },
    {
      "date": "2008-05-31",
      "value": 93.263646
    },
    {
      "date": "2008-06-30",
      "value": 93.532345
    },
    {
      "date": "2008-07-31",
      "value": 93.358932
    },
    {
      "date": "2008-08-31",
      "value": 93.118005
    },
    {
      "date": "2008-09-30",
      "value": 93.418307
    },
    {
      "date": "2008-10-31",
      "value": 95.345868
    },
    {
      "date": "2008-11-30",
      "value": 95.550096
    },
    {
      "date": "2008-12-31",
      "value": 95.50969
    },
    {
      "date": "2009-01-31",
      "value": 92.485848
    },
    {
      "date": "2009-02-28",
      "value": 94.43512
    },
    {
      "date": "2009-03-31",
      "value": 93.275289
    },
    {
      "date": "2009-04-30",
      "value": 93.813134
    },
    {
      "date": "2009-05-31",
      "value": 93.359303
    },
    {
      "date": "2009-06-30",
      "value": 93.719899
    },
    {
      "date": "2009-07-31",
      "value": 93.771392
    },
    {
      "date": "2009-08-31",
      "value": 93.388179
    },
    {
      "date": "2009-09-30",
      "value": 92.832174
    },
    {
      "date": "2009-10-31",
      "value": 92.807185
    },
    {
      "date": "2009-11-30",
      "value": 91.909339
    },
    {
      "date": "2009-12-31",
      "value": 91.778402
    },
    {
      "date": "2010-01-31",
      "value": 93.047595
    },
    {
      "date": "2010-02-28",
      "value": 92.79719
    },
    {
      "date": "2010-03-31",
      "value": 93.583844
    },
    {
      "date": "2010-04-30",
      "value": 93.8755
    },
    {
      "date": "2010-05-31",
      "value": 94.464305
    },
    {
      "date": "2010-06-30",
      "value": 94.376073
    },
    {
      "date": "2010-07-31",
      "value": 94.366002
    },
    {
      "date": "2010-08-31",
      "value": 93.995251
    },
    {
      "date": "2010-09-30",
      "value": 94.04786
    },
    {
      "date": "2010-10-31",
      "value": 94.078232
    },
    {
      "date": "2010-11-30",
      "value": 94.108516
    },
    {
      "date": "2010-12-31",
      "value": 94.037609
    },
    {
      "date": "2011-01-31",
      "value": 93.900926
    },
    {
      "date": "2011-02-28",
      "value": 93.999263
    },
    {
      "date": "2011-03-31",
      "value": 94.00296
    },
    {
      "date": "2011-04-30",
      "value": 94.086195
    },
    {
      "date": "2011-05-31",
      "value": 94.325831
    },
    {
      "date": "2011-06-30",
      "value": 94.71878
    },
    {
      "date": "2011-07-31",
      "value": 94.887283
    },
    {
      "date": "2011-08-31",
      "value": 95.404006
    },
    {
      "date": "2011-09-30",
      "value": 95.712177
    },
    {
      "date": "2011-10-31",
      "value": 95.795399
    },
    {
      "date": "2011-11-30",
      "value": 95.8575
    },
    {
      "date": "2011-12-31",
      "value": 95.757963
    },
    {
      "date": "2012-01-31",
      "value": 98.172472
    },
    {
      "date": "2012-02-29",
      "value": 96.972411
    },
    {
      "date": "2012-03-31",
      "value": 95.890161
    },
    {
      "date": "2012-04-30",
      "value": 95.208888
    },
    {
      "date": "2012-05-31",
      "value": 95.318088
    },
    {
      "date": "2012-06-30",
      "value": 94.944981
    },
    {
      "date": "2012-07-31",
      "value": 94.617051
    },
    {
      "date": "2012-08-31",
      "value": 94.194872
    },
    {
      "date": "2012-09-30",
      "value": 93.577782
    },
    {
      "date": "2012-10-31",
      "value": 93.166318
    },
    {
      "date": "2012-11-30",
      "value": 92.77818
    },
    {
      "date": "2012-12-31",
      "value": 92.017499
    },
    {
      "date": "2013-01-31",
      "value": 89.600584
    },
    {
      "date": "2013-02-28",
      "value": 89.047407
    },
    {
      "date": "2013-03-31",
      "value": 87.946886
    },
    {
      "date": "2013-04-30",
      "value": 94.816944
    },
    {
      "date": "2013-05-31",
      "value": 94.251738
    },
    {
      "date": "2013-06-30",
      "value": 94.760061
    },
    {
      "date": "2013-07-31",
      "value": 95.033357
    },
    {
      "date": "2013-08-31",
      "value": 95.833821
    },
    {
      "date": "2013-09-30",
      "value": 95.769062
    },
    {
      "date": "2013-10-31",
      "value": 95.567956
    },
    {
      "date": "2013-11-30",
      "value": 95.189712
    },
    {
      "date": "2013-12-31",
      "value": 95.15285
    },
    {
      "date": "2014-01-31",
      "value": 96.753006
    },
    {
      "date": "2014-02-28",
      "value": 95.724751
    },
    {
      "date": "2014-03-31",
      "value": 95.399239
    },
    {
      "date": "2014-04-30",
      "value": 97.071677
    },
    {
      "date": "2014-05-31",
      "value": 96.256531
    },
    {
      "date": "2014-06-30",
      "value": 94.204569
    },
    {
      "date": "2014-07-31",
      "value": 93.805334
    },
    {
      "date": "2014-08-31",
      "value": 93.394755
    },
    {
      "date": "2014-09-30",
      "value": 92.375863
    },
    {
      "date": "2014-10-31",
      "value": 92.150469
    },
    {
      "date": "2014-11-30",
      "value": 91.733394
    },
    {
      "date": "2014-12-31",
      "value": 90.375448
    },
    {
      "date": "2015-01-31",
      "value": 96.98567
    },
    {
      "date": "2015-02-28",
      "value": 95.764115
    },
    {
      "date": "2015-03-31",
      "value": 97.370112
    },
    {
      "date": "2015-04-30",
      "value": 96.983044
    },
    {
      "date": "2015-05-31",
      "value": 96.235149
    },
    {
      "date": "2015-06-30",
      "value": 96.38329
    },
    {
      "date": "2015-07-31",
      "value": 96.146513
    },
    {
      "date": "2015-08-31",
      "value": 96.290395
    },
    {
      "date": "2015-09-30",
      "value": 96.310969
    },
    {
      "date": "2015-10-31",
      "value": 95.827438
    },
    {
      "date": "2015-11-30",
      "value": 95.679821
    },
    {
      "date": "2015-12-31",
      "value": 95.714299
    },
    {
      "date": "2016-01-31",
      "value": 98.595717
    },
    {
      "date": "2016-02-29",
      "value": 0.0
    },
    {
      "date": "2016-03-31",
      "value": 94.745087
    },
    {
      "date": "2016-04-30",
      "value": 94.256438
    },
    {
      "date": "2016-05-31",
      "value": 96.693173
    },
    {
      "date": "2016-06-30",
      "value": 96.955433
    },
    {
      "date": "2016-07-31",
      "value": 96.693252
    },
    {
      "date": "2016-08-31",
      "value": 96.508173
    },
    {
      "date": "2016-09-30",
      "value": 96.350329
    },
    {
      "date": "2016-10-31",
      "value": 96.220723
    },
    {
      "date": "2016-11-30",
      "value": 96.444614
    },
    {
      "date": "2016-12-31",
      "value": 96.00548
    },
    {
      "date": "2017-01-31",
      "value": 97.937234
    },
    {
      "date": "2017-02-28",
      "value": 0.0
    },
    {
      "date": "2017-03-31",
      "value": 0.0
    },
    {
      "date": "2017-04-30",
      "value": 97.301177
    },
    {
      "date": "2017-05-31",
      "value": 97.212293
    },
    {
      "date": "2017-06-30",
      "value": 96.996028
    },
    {
      "date": "2017-07-31",
      "value": 96.856556
    },
    {
      "date": "2017-08-31",
      "value": 96.750773
    },
    {
      "date": "2017-09-30",
      "value": 96.723544
    },
    {
      "date": "2017-10-31",
      "value": 96.877076
    },
    {
      "date": "2017-11-30",
      "value": 97.177896
    },
    {
      "date": "2017-12-31",
      "value": 97.127051
    },
    {
      "date": "2018-01-31",
      "value": 95.176611
    },
    {
      "date": "2018-02-28",
      "value": 95.306884
    },
    {
      "date": "2018-03-31",
      "value": 97.328773
    },
    {
      "date": "2018-04-30",
      "value": 97.495488
    },
    {
      "date": "2018-05-31",
      "value": 98.662668
    },
    {
      "date": "2018-06-30",
      "value": 98.586704
    },
    {
      "date": "2018-07-31",
      "value": 98.6785
    },
    {
      "date": "2018-08-31",
      "value": 99.261798
    },
    {
      "date": "2018-09-30",
      "value": 99.185847
    },
    {
      "date": "2018-10-31",
      "value": 99.356285
    },
    {
      "date": "2018-11-30",
      "value": 99.41559
    },
    {
      "date": "2018-12-31",
      "value": 99.313028
    },
    {
      "date": "2019-01-31",
      "value": 99.098047
    },
    {
      "date": "2019-02-28",
      "value": 98.659284
    },
    {
      "date": "2019-03-31",
      "value": 98.922578
    },
    {
      "date": "2019-04-30",
      "value": 98.950136
    },
    {
      "date": "2019-05-31",
      "value": 99.115671
    },
    {
      "date": "2019-06-30",
      "value": 98.920677
    },
    {
      "date": "2019-07-31",
      "value": 98.932897
    },
    {
      "date": "2019-08-31",
      "value": 98.948221
    },
    {
      "date": "2019-09-30",
      "value": 98.852714
    },
    {
      "date": "2019-10-31",
      "value": 98.853178
    },
    {
      "date": "2019-11-30",
      "value": 99.29371
    },
    {
      "date": "2019-12-31",
      "value": 99.195204
    },
    {
      "date": "2020-01-31",
      "value": 97.850882
    },
    {
      "date": "2020-02-29",
      "value": 99.772796
    },
    {
      "date": "2020-03-31",
      "value": 99.794658
    },
    {
      "date": "2020-04-30",
      "value": 99.745475
    },
    {
      "date": "2020-05-31",
      "value": 98.227593
    },
    {
      "date": "2020-06-30",
      "value": 98.001002
    },
    {
      "date": "2020-07-31",
      "value": 97.978065
    },
    {
      "date": "2020-08-31",
      "value": 98.185375
    },
    {
      "date": "2020-09-30",
      "value": 98.11073
    },
    {
      "date": "2020-10-31",
      "value": 98.165485
    },
    {
      "date": "2020-11-30",
      "value": 98.505858
    },
    {
      "date": "2020-12-31",
      "value": 98.481134
    },
    {
      "date": "2021-01-31",
      "value": 98.403477
    },
    {
      "date": "2021-02-28",
      "value": 99.847606
    },
    {
      "date": "2021-03-31",
      "value": 99.343232
    },
    {
      "date": "2021-04-30",
      "value": 99.32603
    },
    {
      "date": "2021-05-31",
      "value": 99.259448
    },
    {
      "date": "2021-06-30",
      "value": 99.265102
    },
    {
      "date": "2021-07-31",
      "value": 99.201769
    },
    {
      "date": "2021-08-31",
      "value": 99.218989
    },
    {
      "date": "2021-09-30",
      "value": 99.152802
    },
    {
      "date": "2021-10-31",
      "value": 99.161568
    },
    {
      "date": "2021-11-30",
      "value": 99.279497
    },
    {
      "date": "2021-12-31",
      "value": 99.430969
    },
    {
      "date": "2022-01-31",
      "value": 99.578778
    },
    {
      "date": "2022-02-28",
      "value": 99.540902
    },
    {
      "date": "2022-03-31",
      "value": 99.073063
    },
    {
      "date": "2022-04-30",
      "value": 99.105586
    },
    {
      "date": "2022-05-31",
      "value": 99.412019
    },
    {
      "date": "2022-06-30",
      "value": 99.420431
    },
    {
      "date": "2022-07-31",
      "value": 99.444173
    },
    {
      "date": "2022-08-31",
      "value": 99.426935
    },
    {
      "date": "2022-09-30",
      "value": 99.329547
    },
    {
      "date": "2022-10-31",
      "value": 99.327616
    },
    {
      "date": "2022-11-30",
      "value": 99.285705
    },
    {
      "date": "2022-12-31",
      "value": 98.951978
    },
    {
      "date": "2023-01-31",
      "value": 99.451437
    },
    {
      "date": "2023-02-28",
      "value": 99.313502
    },
    {
      "date": "2023-03-31",
      "value": 98.63635
    },
    {
      "date": "2023-04-30",
      "value": 99.002121
    },
    {
      "date": "2023-05-31",
      "value": 99.62266
    },
    {
      "date": "2023-06-30",
      "value": 99.946786
    },
    {
      "date": "2023-07-31",
      "value": 100.084535
    },
    {
      "date": "2023-08-31",
      "value": 100.319525
    },
    {
      "date": "2023-09-30",
      "value": 100.35738
    },
    {
      "date": "2023-10-31",
      "value": 100.320613
    },
    {
      "date": "2023-11-30",
      "value": 100.204898
    },
    {
      "date": "2023-12-31",
      "value": 100.035678
    },
    {
      "date": "2024-01-31",
      "value": 99.639436
    },
    {
      "date": "2024-02-29",
      "value": 99.274159
    },
    {
      "date": "2024-03-31",
      "value": 100.102824
    },
    {
      "date": "2024-04-30",
      "value": 99.661585
    },
    {
      "date": "2024-05-31",
      "value": 99.560836
    },
    {
      "date": "2024-06-30",
      "value": 99.837382
    },
    {
      "date": "2024-07-31",
      "value": 99.815944
    },
    {
      "date": "2024-08-31",
      "value": 99.638917
    },
    {
      "date": "2024-09-30",
      "value": 99.895127
    },
    {
      "date": "2024-10-31",
      "value": 99.783874
    },
    {
      "date": "2024-11-30",
      "value": 99.96636
    },
    {
      "date": "2024-12-31",
      "value": 99.876075
    },
    {
      "date": "2025-01-31",
      "value": 99.375381
    },
    {
      "date": "2025-02-28",
      "value": 102.338769
    },
    {
      "date": "2025-03-31",
      "value": 101.13868
    },
    {
      "date": "2025-04-30",
      "value": 100.486257
    },
    {
      "date": "2025-05-31",
      "value": 100.261816
    },
    {
      "date": "2025-06-30",
      "value": 100.12227
    },
    {
      "date": "2025-07-31",
      "value": 99.924167
    },
    {
      "date": "2025-08-31",
      "value": 99.819826
    },
    {
      "date": "2025-09-30",
      "value": 99.879529
    },
    {
      "date": "2025-10-31",
      "value": 99.804574
    },
    {
      "date": "2025-11-30",
      "value": 99.700208
    },
    {
      "date": "2025-12-31",
      "value": 99.655273
    },
    {
      "date": "2026-01-31",
      "value": 99.084147
    },
    {
      "date": "2026-02-28",
      "value": 99.16968
    },
    {
      "date": "2026-03-31",
      "value": 99.21893
    },
    {
      "date": "2026-04-30",
      "value": 99.052148
    },
    {
      "date": "2026-05-31",
      "value": 98.734285
    },
    {
      "date": "2026-06-30",
      "value": 98.806932
    },
    {
      "date": "2026-07-31",
      "value": 98.611812
    },
    {
      "date": "2026-08-31",
      "value": 98.668327
    }
  ],
  "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"
  }
}