{
  "id": "bddk-monthly-10004-ratio-13",
  "slug": "bddk-monthly-10004-ratio-13",
  "enabled": true,
  "title": "Kalkınma ve yatırım bankaları · Ücret, komisyon ve bankacılık hizmetleri gelirleri / ortalama toplam aktifler (%)",
  "short_title": "Kalkınma ve yatırım bankaları · Ücret, komisyon ve bankacılık hizmetleri gelirleri / ortalama toplam aktifler (%)",
  "description": "BDDK aylık bülteninde kalkınma ve yatırım bankaları için yayımlanan gösterge: Ücret, komisyon ve bankacılık hizmetleri gelirleri / ortalama toplam aktifler (%).",
  "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": "10004",
    "group_name": "Kalkınma ve Yatırım",
    "source_row": 13,
    "expected_title": "Ücret, Komisyon ve Bankacılık Hizmetleri Gelirleri / Ortalama Toplam Aktifler (%)"
  },
  "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 · Kalkınma ve yatırım bankaları; oran ve birim tanımı kaynaktaki gibidir",
    "source_credit": "BDDK"
  },
  "preferred_chart": "line",
  "observations": [
    {
      "date": "2003-01-31",
      "value": 0.053915
    },
    {
      "date": "2003-02-28",
      "value": 0.098336
    },
    {
      "date": "2003-03-31",
      "value": 0.16695
    },
    {
      "date": "2003-04-30",
      "value": 0.236978
    },
    {
      "date": "2003-05-31",
      "value": 0.296871
    },
    {
      "date": "2003-06-30",
      "value": 0.349323
    },
    {
      "date": "2003-07-31",
      "value": 0.395607
    },
    {
      "date": "2003-08-31",
      "value": 0.43725
    },
    {
      "date": "2003-09-30",
      "value": 0.502432
    },
    {
      "date": "2003-10-31",
      "value": 0.552358
    },
    {
      "date": "2003-11-30",
      "value": 0.604894
    },
    {
      "date": "2003-12-31",
      "value": 0.69864
    },
    {
      "date": "2004-01-31",
      "value": 0.048151
    },
    {
      "date": "2004-02-29",
      "value": 0.091214
    },
    {
      "date": "2004-03-31",
      "value": 0.151881
    },
    {
      "date": "2004-04-30",
      "value": 0.210628
    },
    {
      "date": "2004-05-31",
      "value": 0.272153
    },
    {
      "date": "2004-06-30",
      "value": 0.332075
    },
    {
      "date": "2004-07-31",
      "value": 0.379354
    },
    {
      "date": "2004-08-31",
      "value": 0.465293
    },
    {
      "date": "2004-09-30",
      "value": 0.535678
    },
    {
      "date": "2004-10-31",
      "value": 0.540111
    },
    {
      "date": "2004-11-30",
      "value": 0.593131
    },
    {
      "date": "2004-12-31",
      "value": 0.670891
    },
    {
      "date": "2005-01-31",
      "value": 0.047527
    },
    {
      "date": "2005-02-28",
      "value": 0.095701
    },
    {
      "date": "2005-03-31",
      "value": 0.155564
    },
    {
      "date": "2005-04-30",
      "value": 0.199318
    },
    {
      "date": "2005-05-31",
      "value": 0.259607
    },
    {
      "date": "2005-06-30",
      "value": 0.321819
    },
    {
      "date": "2005-07-31",
      "value": 0.400413
    },
    {
      "date": "2005-08-31",
      "value": 0.448121
    },
    {
      "date": "2005-09-30",
      "value": 0.49867
    },
    {
      "date": "2005-10-31",
      "value": 0.548933
    },
    {
      "date": "2005-11-30",
      "value": 0.590657
    },
    {
      "date": "2005-12-31",
      "value": 0.634326
    },
    {
      "date": "2006-01-31",
      "value": 0.048455
    },
    {
      "date": "2006-02-28",
      "value": 0.085587
    },
    {
      "date": "2006-03-31",
      "value": 0.130494
    },
    {
      "date": "2006-04-30",
      "value": 0.159628
    },
    {
      "date": "2006-05-31",
      "value": 0.191603
    },
    {
      "date": "2006-06-30",
      "value": 0.241371
    },
    {
      "date": "2006-07-31",
      "value": 0.281681
    },
    {
      "date": "2006-08-31",
      "value": 0.313086
    },
    {
      "date": "2006-09-30",
      "value": 0.352416
    },
    {
      "date": "2006-10-31",
      "value": 0.386112
    },
    {
      "date": "2006-11-30",
      "value": 0.422837
    },
    {
      "date": "2006-12-31",
      "value": 0.487148
    },
    {
      "date": "2007-01-31",
      "value": 0.041189
    },
    {
      "date": "2007-02-28",
      "value": 0.071215
    },
    {
      "date": "2007-03-31",
      "value": 0.129638
    },
    {
      "date": "2007-04-30",
      "value": 0.168115
    },
    {
      "date": "2007-05-31",
      "value": 0.23536
    },
    {
      "date": "2007-06-30",
      "value": 0.278675
    },
    {
      "date": "2007-07-31",
      "value": 0.31789
    },
    {
      "date": "2007-08-31",
      "value": 0.358951
    },
    {
      "date": "2007-09-30",
      "value": 0.399215
    },
    {
      "date": "2007-10-31",
      "value": 0.435904
    },
    {
      "date": "2007-11-30",
      "value": 0.484416
    },
    {
      "date": "2007-12-31",
      "value": 0.480661
    },
    {
      "date": "2008-01-31",
      "value": 0.036995
    },
    {
      "date": "2008-02-29",
      "value": 0.066772
    },
    {
      "date": "2008-03-31",
      "value": 0.103414
    },
    {
      "date": "2008-04-30",
      "value": 0.130802
    },
    {
      "date": "2008-05-31",
      "value": 0.168765
    },
    {
      "date": "2008-06-30",
      "value": 0.207436
    },
    {
      "date": "2008-07-31",
      "value": 0.24213
    },
    {
      "date": "2008-08-31",
      "value": 0.274463
    },
    {
      "date": "2008-09-30",
      "value": 0.334116
    },
    {
      "date": "2008-10-31",
      "value": 0.368646
    },
    {
      "date": "2008-11-30",
      "value": 0.402079
    },
    {
      "date": "2008-12-31",
      "value": 0.445192
    },
    {
      "date": "2009-01-31",
      "value": 0.062459
    },
    {
      "date": "2009-02-28",
      "value": 0.105415
    },
    {
      "date": "2009-03-31",
      "value": 0.155044
    },
    {
      "date": "2009-04-30",
      "value": 0.205562
    },
    {
      "date": "2009-05-31",
      "value": 0.246577
    },
    {
      "date": "2009-06-30",
      "value": 0.296614
    },
    {
      "date": "2009-07-31",
      "value": 0.349317
    },
    {
      "date": "2009-08-31",
      "value": 0.394339
    },
    {
      "date": "2009-09-30",
      "value": 0.458468
    },
    {
      "date": "2009-10-31",
      "value": 0.508605
    },
    {
      "date": "2009-11-30",
      "value": 0.548645
    },
    {
      "date": "2009-12-31",
      "value": 0.604556
    },
    {
      "date": "2010-01-31",
      "value": 0.072851
    },
    {
      "date": "2010-02-28",
      "value": 0.119184
    },
    {
      "date": "2010-03-31",
      "value": 0.178657
    },
    {
      "date": "2010-04-30",
      "value": 0.233537
    },
    {
      "date": "2010-05-31",
      "value": 0.28782
    },
    {
      "date": "2010-06-30",
      "value": 0.342438
    },
    {
      "date": "2010-07-31",
      "value": 0.398376
    },
    {
      "date": "2010-08-31",
      "value": 0.444061
    },
    {
      "date": "2010-09-30",
      "value": 0.495805
    },
    {
      "date": "2010-10-31",
      "value": 0.561825
    },
    {
      "date": "2010-11-30",
      "value": 0.631712
    },
    {
      "date": "2010-12-31",
      "value": 0.676499
    },
    {
      "date": "2011-01-31",
      "value": 0.109874
    },
    {
      "date": "2011-02-28",
      "value": 0.188811
    },
    {
      "date": "2011-03-31",
      "value": 0.290274
    },
    {
      "date": "2011-04-30",
      "value": 0.379389
    },
    {
      "date": "2011-05-31",
      "value": 0.464643
    },
    {
      "date": "2011-06-30",
      "value": 0.548328
    },
    {
      "date": "2011-07-31",
      "value": 0.608164
    },
    {
      "date": "2011-08-31",
      "value": 0.659801
    },
    {
      "date": "2011-09-30",
      "value": 0.717464
    },
    {
      "date": "2011-10-31",
      "value": 0.75115
    },
    {
      "date": "2011-11-30",
      "value": 0.787741
    },
    {
      "date": "2011-12-31",
      "value": 0.858628
    },
    {
      "date": "2012-01-31",
      "value": 0.037904
    },
    {
      "date": "2012-02-29",
      "value": 0.079834
    },
    {
      "date": "2012-03-31",
      "value": 0.122638
    },
    {
      "date": "2012-04-30",
      "value": 0.161052
    },
    {
      "date": "2012-05-31",
      "value": 0.205437
    },
    {
      "date": "2012-06-30",
      "value": 0.249839
    },
    {
      "date": "2012-07-31",
      "value": 0.287644
    },
    {
      "date": "2012-08-31",
      "value": 0.333349
    },
    {
      "date": "2012-09-30",
      "value": 0.365757
    },
    {
      "date": "2012-10-31",
      "value": 0.412248
    },
    {
      "date": "2012-11-30",
      "value": 0.445028
    },
    {
      "date": "2012-12-31",
      "value": 0.485749
    },
    {
      "date": "2013-01-31",
      "value": 0.265041
    },
    {
      "date": "2013-02-28",
      "value": 0.088392
    },
    {
      "date": "2013-03-31",
      "value": 0.1342
    },
    {
      "date": "2013-04-30",
      "value": 0.174063
    },
    {
      "date": "2013-05-31",
      "value": 0.21478
    },
    {
      "date": "2013-06-30",
      "value": 0.271164
    },
    {
      "date": "2013-07-31",
      "value": 0.308138
    },
    {
      "date": "2013-08-31",
      "value": 0.342111
    },
    {
      "date": "2013-09-30",
      "value": 0.381144
    },
    {
      "date": "2013-10-31",
      "value": 0.420739
    },
    {
      "date": "2013-11-30",
      "value": 0.449254
    },
    {
      "date": "2013-12-31",
      "value": 0.496497
    },
    {
      "date": "2014-01-31",
      "value": 0.028852
    },
    {
      "date": "2014-02-28",
      "value": 0.068216
    },
    {
      "date": "2014-03-31",
      "value": 0.101875
    },
    {
      "date": "2014-04-30",
      "value": 0.129215
    },
    {
      "date": "2014-05-31",
      "value": 0.1661
    },
    {
      "date": "2014-06-30",
      "value": 0.200879
    },
    {
      "date": "2014-07-31",
      "value": 0.230008
    },
    {
      "date": "2014-08-31",
      "value": 0.261616
    },
    {
      "date": "2014-09-30",
      "value": 0.294002
    },
    {
      "date": "2014-10-31",
      "value": 0.327066
    },
    {
      "date": "2014-11-30",
      "value": 0.359232
    },
    {
      "date": "2014-12-31",
      "value": 0.387689
    },
    {
      "date": "2015-01-31",
      "value": 0.031914
    },
    {
      "date": "2015-02-28",
      "value": 0.063486
    },
    {
      "date": "2015-03-31",
      "value": 0.094857
    },
    {
      "date": "2015-04-30",
      "value": 0.126612
    },
    {
      "date": "2015-05-31",
      "value": 0.150752
    },
    {
      "date": "2015-06-30",
      "value": 0.187975
    },
    {
      "date": "2015-07-31",
      "value": 0.211191
    },
    {
      "date": "2015-08-31",
      "value": 0.233096
    },
    {
      "date": "2015-09-30",
      "value": 0.26378
    },
    {
      "date": "2015-10-31",
      "value": 0.289022
    },
    {
      "date": "2015-11-30",
      "value": 0.319489
    },
    {
      "date": "2015-12-31",
      "value": 0.378718
    },
    {
      "date": "2016-01-31",
      "value": 0.034298
    },
    {
      "date": "2016-02-29",
      "value": 0.067426
    },
    {
      "date": "2016-03-31",
      "value": 0.105712
    },
    {
      "date": "2016-04-30",
      "value": 0.132817
    },
    {
      "date": "2016-05-31",
      "value": 0.162439
    },
    {
      "date": "2016-06-30",
      "value": 0.201516
    },
    {
      "date": "2016-07-31",
      "value": 0.222875
    },
    {
      "date": "2016-08-31",
      "value": 0.251218
    },
    {
      "date": "2016-09-30",
      "value": 0.281047
    },
    {
      "date": "2016-10-31",
      "value": 0.306159
    },
    {
      "date": "2016-11-30",
      "value": 0.331152
    },
    {
      "date": "2016-12-31",
      "value": 0.363175
    },
    {
      "date": "2017-01-31",
      "value": 0.033229
    },
    {
      "date": "2017-02-28",
      "value": 0.063907
    },
    {
      "date": "2017-03-31",
      "value": 0.117233
    },
    {
      "date": "2017-04-30",
      "value": 0.15424
    },
    {
      "date": "2017-05-31",
      "value": 0.20855
    },
    {
      "date": "2017-06-30",
      "value": 0.251528
    },
    {
      "date": "2017-07-31",
      "value": 0.287013
    },
    {
      "date": "2017-08-31",
      "value": 0.3218
    },
    {
      "date": "2017-09-30",
      "value": 0.35404
    },
    {
      "date": "2017-10-31",
      "value": 0.384522
    },
    {
      "date": "2017-11-30",
      "value": 0.418824
    },
    {
      "date": "2017-12-31",
      "value": 0.459085
    },
    {
      "date": "2018-01-31",
      "value": 0.03918
    },
    {
      "date": "2018-02-28",
      "value": 0.070749
    },
    {
      "date": "2018-03-31",
      "value": 0.106073
    },
    {
      "date": "2018-04-30",
      "value": 0.143954
    },
    {
      "date": "2018-05-31",
      "value": 0.182659
    },
    {
      "date": "2018-06-30",
      "value": 0.214032
    },
    {
      "date": "2018-07-31",
      "value": 0.262417
    },
    {
      "date": "2018-08-31",
      "value": 0.287977
    },
    {
      "date": "2018-09-30",
      "value": 0.304978
    },
    {
      "date": "2018-10-31",
      "value": 0.335486
    },
    {
      "date": "2018-11-30",
      "value": 0.482161
    },
    {
      "date": "2018-12-31",
      "value": 0.531063
    },
    {
      "date": "2019-01-31",
      "value": 0.042373
    },
    {
      "date": "2019-02-28",
      "value": 0.079234
    },
    {
      "date": "2019-03-31",
      "value": 0.119408
    },
    {
      "date": "2019-04-30",
      "value": 0.15843
    },
    {
      "date": "2019-05-31",
      "value": 0.201706
    },
    {
      "date": "2019-06-30",
      "value": 0.242541
    },
    {
      "date": "2019-07-31",
      "value": 0.282749
    },
    {
      "date": "2019-08-31",
      "value": 0.317261
    },
    {
      "date": "2019-09-30",
      "value": 0.357425
    },
    {
      "date": "2019-10-31",
      "value": 0.39827
    },
    {
      "date": "2019-11-30",
      "value": 0.43165
    },
    {
      "date": "2019-12-31",
      "value": 0.475523
    },
    {
      "date": "2020-01-31",
      "value": 0.040373
    },
    {
      "date": "2020-02-29",
      "value": 0.081015
    },
    {
      "date": "2020-03-31",
      "value": 0.124492
    },
    {
      "date": "2020-04-30",
      "value": 0.164166
    },
    {
      "date": "2020-05-31",
      "value": 0.198235
    },
    {
      "date": "2020-06-30",
      "value": 0.239183
    },
    {
      "date": "2020-07-31",
      "value": 0.27081
    },
    {
      "date": "2020-08-31",
      "value": 0.310126
    },
    {
      "date": "2020-09-30",
      "value": 0.345306
    },
    {
      "date": "2020-10-31",
      "value": 0.391513
    },
    {
      "date": "2020-11-30",
      "value": 0.440433
    },
    {
      "date": "2020-12-31",
      "value": 0.493086
    },
    {
      "date": "2021-01-31",
      "value": 0.051791
    },
    {
      "date": "2021-02-28",
      "value": 0.101008
    },
    {
      "date": "2021-03-31",
      "value": 0.148242
    },
    {
      "date": "2021-04-30",
      "value": 0.192418
    },
    {
      "date": "2021-05-31",
      "value": 0.236638
    },
    {
      "date": "2021-06-30",
      "value": 0.283464
    },
    {
      "date": "2021-07-31",
      "value": 0.324493
    },
    {
      "date": "2021-08-31",
      "value": 0.372351
    },
    {
      "date": "2021-09-30",
      "value": 0.435494
    },
    {
      "date": "2021-10-31",
      "value": 0.479598
    },
    {
      "date": "2021-11-30",
      "value": 0.534821
    },
    {
      "date": "2021-12-31",
      "value": 0.627571
    },
    {
      "date": "2022-01-31",
      "value": 0.060684
    },
    {
      "date": "2022-02-28",
      "value": 0.117096
    },
    {
      "date": "2022-03-31",
      "value": 0.190659
    },
    {
      "date": "2022-04-30",
      "value": 0.274959
    },
    {
      "date": "2022-05-31",
      "value": 0.334691
    },
    {
      "date": "2022-06-30",
      "value": 0.40801
    },
    {
      "date": "2022-07-31",
      "value": 0.467241
    },
    {
      "date": "2022-08-31",
      "value": 0.530269
    },
    {
      "date": "2022-09-30",
      "value": 0.618914
    },
    {
      "date": "2022-10-31",
      "value": 0.692359
    },
    {
      "date": "2022-11-30",
      "value": 0.776366
    },
    {
      "date": "2022-12-31",
      "value": 0.876
    },
    {
      "date": "2023-01-31",
      "value": 0.103287
    },
    {
      "date": "2023-02-28",
      "value": 0.15505
    },
    {
      "date": "2023-03-31",
      "value": 0.265343
    },
    {
      "date": "2023-04-30",
      "value": 0.368412
    },
    {
      "date": "2023-05-31",
      "value": 0.456626
    },
    {
      "date": "2023-06-30",
      "value": 0.554749
    },
    {
      "date": "2023-07-31",
      "value": 0.671061
    },
    {
      "date": "2023-08-31",
      "value": 0.780133
    },
    {
      "date": "2023-09-30",
      "value": 0.896687
    },
    {
      "date": "2023-10-31",
      "value": 1.001304
    },
    {
      "date": "2023-11-30",
      "value": 1.095326
    },
    {
      "date": "2023-12-31",
      "value": 1.184681
    },
    {
      "date": "2024-01-31",
      "value": 0.092731
    },
    {
      "date": "2024-02-29",
      "value": 0.188578
    },
    {
      "date": "2024-03-31",
      "value": 0.305424
    },
    {
      "date": "2024-04-30",
      "value": 0.418204
    },
    {
      "date": "2024-05-31",
      "value": 0.540669
    },
    {
      "date": "2024-06-30",
      "value": 0.634904
    },
    {
      "date": "2024-07-31",
      "value": 0.721975
    },
    {
      "date": "2024-08-31",
      "value": 0.816469
    },
    {
      "date": "2024-09-30",
      "value": 0.905062
    },
    {
      "date": "2024-10-31",
      "value": 0.992712
    },
    {
      "date": "2024-11-30",
      "value": 1.076271
    },
    {
      "date": "2024-12-31",
      "value": 1.188522
    },
    {
      "date": "2025-01-31",
      "value": 0.105861
    },
    {
      "date": "2025-02-28",
      "value": 0.215897
    },
    {
      "date": "2025-03-31",
      "value": 0.314556
    },
    {
      "date": "2025-04-30",
      "value": 0.396618
    },
    {
      "date": "2025-05-31",
      "value": 0.473272
    },
    {
      "date": "2025-06-30",
      "value": 0.554635
    },
    {
      "date": "2025-07-31",
      "value": 0.639046
    },
    {
      "date": "2025-08-31",
      "value": 0.719887
    },
    {
      "date": "2025-09-30",
      "value": 0.798796
    },
    {
      "date": "2025-10-31",
      "value": 0.880767
    },
    {
      "date": "2025-11-30",
      "value": 0.951891
    },
    {
      "date": "2025-12-31",
      "value": 1.034581
    },
    {
      "date": "2026-01-31",
      "value": 0.093809
    },
    {
      "date": "2026-02-28",
      "value": 0.178284
    },
    {
      "date": "2026-03-31",
      "value": 0.268811
    },
    {
      "date": "2026-04-30",
      "value": 0.354126
    },
    {
      "date": "2026-05-31",
      "value": 0.430927
    },
    {
      "date": "2026-06-30",
      "value": 0.525039
    },
    {
      "date": "2026-07-31",
      "value": 0.621061
    },
    {
      "date": "2026-08-31",
      "value": 0.712651
    }
  ],
  "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"
  }
}
