{
  "id": "bddk-monthly-10006-ratio-17",
  "slug": "bddk-monthly-10006-ratio-17",
  "enabled": true,
  "title": "Kamu bankaları · Ücret, komisyon ve bankacılık hizmetleri gelirleri / işletme giderleri (%)",
  "short_title": "Kamu bankaları · Ücret, komisyon ve bankacılık hizmetleri gelirleri / işletme giderleri (%)",
  "description": "BDDK aylık bülteninde kamu bankaları için yayımlanan gösterge: Ücret, komisyon ve bankacılık hizmetleri gelirleri / işletme giderleri (%).",
  "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": "10006",
    "group_name": "Kamu",
    "source_row": 17,
    "expected_title": "Ücret, Komisyon ve Bankacılık Hizmetleri Gelirleri / İşletme Giderleri (%)"
  },
  "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 · Kamu 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": 120.377332
    },
    {
      "date": "2004-02-29",
      "value": 57.0206
    },
    {
      "date": "2004-03-31",
      "value": 48.925157
    },
    {
      "date": "2004-04-30",
      "value": 47.492918
    },
    {
      "date": "2004-05-31",
      "value": 42.095279
    },
    {
      "date": "2004-06-30",
      "value": 40.556487
    },
    {
      "date": "2004-07-31",
      "value": 39.171787
    },
    {
      "date": "2004-08-31",
      "value": 39.851527
    },
    {
      "date": "2004-09-30",
      "value": 38.008126
    },
    {
      "date": "2004-10-31",
      "value": 37.808589
    },
    {
      "date": "2004-11-30",
      "value": 40.513824
    },
    {
      "date": "2004-12-31",
      "value": 40.057319
    },
    {
      "date": "2005-01-31",
      "value": 37.140247
    },
    {
      "date": "2005-02-28",
      "value": 43.86323
    },
    {
      "date": "2005-03-31",
      "value": 46.466945
    },
    {
      "date": "2005-04-30",
      "value": 45.732764
    },
    {
      "date": "2005-05-31",
      "value": 46.142505
    },
    {
      "date": "2005-06-30",
      "value": 46.274697
    },
    {
      "date": "2005-07-31",
      "value": 45.958491
    },
    {
      "date": "2005-08-31",
      "value": 45.78454
    },
    {
      "date": "2005-09-30",
      "value": 45.963341
    },
    {
      "date": "2005-10-31",
      "value": 45.366795
    },
    {
      "date": "2005-11-30",
      "value": 46.125116
    },
    {
      "date": "2005-12-31",
      "value": 44.899958
    },
    {
      "date": "2006-01-31",
      "value": 41.29221
    },
    {
      "date": "2006-02-28",
      "value": 42.371932
    },
    {
      "date": "2006-03-31",
      "value": 48.296468
    },
    {
      "date": "2006-04-30",
      "value": 49.520678
    },
    {
      "date": "2006-05-31",
      "value": 51.578768
    },
    {
      "date": "2006-06-30",
      "value": 57.025351
    },
    {
      "date": "2006-07-31",
      "value": 55.242588
    },
    {
      "date": "2006-08-31",
      "value": 55.466445
    },
    {
      "date": "2006-09-30",
      "value": 56.406919
    },
    {
      "date": "2006-10-31",
      "value": 55.578405
    },
    {
      "date": "2006-11-30",
      "value": 54.958746
    },
    {
      "date": "2006-12-31",
      "value": 55.148098
    },
    {
      "date": "2007-01-31",
      "value": 54.09862
    },
    {
      "date": "2007-02-28",
      "value": 52.507957
    },
    {
      "date": "2007-03-31",
      "value": 58.40699
    },
    {
      "date": "2007-04-30",
      "value": 56.750673
    },
    {
      "date": "2007-05-31",
      "value": 57.331788
    },
    {
      "date": "2007-06-30",
      "value": 58.430255
    },
    {
      "date": "2007-07-31",
      "value": 53.149346
    },
    {
      "date": "2007-08-31",
      "value": 52.67814
    },
    {
      "date": "2007-09-30",
      "value": 52.378791
    },
    {
      "date": "2007-10-31",
      "value": 52.309004
    },
    {
      "date": "2007-11-30",
      "value": 51.857993
    },
    {
      "date": "2007-12-31",
      "value": 53.340878
    },
    {
      "date": "2008-01-31",
      "value": 50.706317
    },
    {
      "date": "2008-02-29",
      "value": 49.588366
    },
    {
      "date": "2008-03-31",
      "value": 53.357708
    },
    {
      "date": "2008-04-30",
      "value": 53.2892
    },
    {
      "date": "2008-05-31",
      "value": 53.547137
    },
    {
      "date": "2008-06-30",
      "value": 53.995997
    },
    {
      "date": "2008-07-31",
      "value": 52.548157
    },
    {
      "date": "2008-08-31",
      "value": 52.429397
    },
    {
      "date": "2008-09-30",
      "value": 52.444102
    },
    {
      "date": "2008-10-31",
      "value": 52.281296
    },
    {
      "date": "2008-11-30",
      "value": 51.599851
    },
    {
      "date": "2008-12-31",
      "value": 50.703025
    },
    {
      "date": "2009-01-31",
      "value": 50.751507
    },
    {
      "date": "2009-02-28",
      "value": 46.78429
    },
    {
      "date": "2009-03-31",
      "value": 48.619972
    },
    {
      "date": "2009-04-30",
      "value": 52.082963
    },
    {
      "date": "2009-05-31",
      "value": 50.779037
    },
    {
      "date": "2009-06-30",
      "value": 50.187885
    },
    {
      "date": "2009-07-31",
      "value": 49.33779
    },
    {
      "date": "2009-08-31",
      "value": 49.23457
    },
    {
      "date": "2009-09-30",
      "value": 50.697643
    },
    {
      "date": "2009-10-31",
      "value": 50.870832
    },
    {
      "date": "2009-11-30",
      "value": 50.749155
    },
    {
      "date": "2009-12-31",
      "value": 51.074874
    },
    {
      "date": "2010-01-31",
      "value": 45.698901
    },
    {
      "date": "2010-02-28",
      "value": 44.643936
    },
    {
      "date": "2010-03-31",
      "value": 47.5388
    },
    {
      "date": "2010-04-30",
      "value": 48.136419
    },
    {
      "date": "2010-05-31",
      "value": 47.6438
    },
    {
      "date": "2010-06-30",
      "value": 47.327674
    },
    {
      "date": "2010-07-31",
      "value": 46.677161
    },
    {
      "date": "2010-08-31",
      "value": 46.357563
    },
    {
      "date": "2010-09-30",
      "value": 46.701799
    },
    {
      "date": "2010-10-31",
      "value": 46.256133
    },
    {
      "date": "2010-11-30",
      "value": 45.88849
    },
    {
      "date": "2010-12-31",
      "value": 45.579515
    },
    {
      "date": "2011-01-31",
      "value": 46.833157
    },
    {
      "date": "2011-02-28",
      "value": 43.404514
    },
    {
      "date": "2011-03-31",
      "value": 46.095815
    },
    {
      "date": "2011-04-30",
      "value": 46.687735
    },
    {
      "date": "2011-05-31",
      "value": 48.224665
    },
    {
      "date": "2011-06-30",
      "value": 49.728684
    },
    {
      "date": "2011-07-31",
      "value": 49.056478
    },
    {
      "date": "2011-08-31",
      "value": 48.815871
    },
    {
      "date": "2011-09-30",
      "value": 49.013537
    },
    {
      "date": "2011-10-31",
      "value": 49.162421
    },
    {
      "date": "2011-11-30",
      "value": 48.532581
    },
    {
      "date": "2011-12-31",
      "value": 49.105271
    },
    {
      "date": "2012-01-31",
      "value": 41.685716
    },
    {
      "date": "2012-02-29",
      "value": 39.591985
    },
    {
      "date": "2012-03-31",
      "value": 42.913613
    },
    {
      "date": "2012-04-30",
      "value": 43.346771
    },
    {
      "date": "2012-05-31",
      "value": 47.049436
    },
    {
      "date": "2012-06-30",
      "value": 48.191042
    },
    {
      "date": "2012-07-31",
      "value": 48.430025
    },
    {
      "date": "2012-08-31",
      "value": 48.102399
    },
    {
      "date": "2012-09-30",
      "value": 48.236405
    },
    {
      "date": "2012-10-31",
      "value": 48.032415
    },
    {
      "date": "2012-11-30",
      "value": 47.954226
    },
    {
      "date": "2012-12-31",
      "value": 47.533311
    },
    {
      "date": "2013-01-31",
      "value": 48.857031
    },
    {
      "date": "2013-02-28",
      "value": 46.129906
    },
    {
      "date": "2013-03-31",
      "value": 48.107305
    },
    {
      "date": "2013-04-30",
      "value": 47.268692
    },
    {
      "date": "2013-05-31",
      "value": 46.71147
    },
    {
      "date": "2013-06-30",
      "value": 49.217981
    },
    {
      "date": "2013-07-31",
      "value": 49.113199
    },
    {
      "date": "2013-08-31",
      "value": 47.86914
    },
    {
      "date": "2013-09-30",
      "value": 48.961397
    },
    {
      "date": "2013-10-31",
      "value": 48.666646
    },
    {
      "date": "2013-11-30",
      "value": 48.180978
    },
    {
      "date": "2013-12-31",
      "value": 48.620287
    },
    {
      "date": "2014-01-31",
      "value": 46.315573
    },
    {
      "date": "2014-02-28",
      "value": 46.172222
    },
    {
      "date": "2014-03-31",
      "value": 47.440937
    },
    {
      "date": "2014-04-30",
      "value": 47.80788
    },
    {
      "date": "2014-05-31",
      "value": 48.11056
    },
    {
      "date": "2014-06-30",
      "value": 49.149179
    },
    {
      "date": "2014-07-31",
      "value": 49.203493
    },
    {
      "date": "2014-08-31",
      "value": 49.769407
    },
    {
      "date": "2014-09-30",
      "value": 50.824544
    },
    {
      "date": "2014-10-31",
      "value": 50.545115
    },
    {
      "date": "2014-11-30",
      "value": 50.264907
    },
    {
      "date": "2014-12-31",
      "value": 50.93567
    },
    {
      "date": "2015-01-31",
      "value": 49.469406
    },
    {
      "date": "2015-02-28",
      "value": 49.639807
    },
    {
      "date": "2015-03-31",
      "value": 52.830684
    },
    {
      "date": "2015-04-30",
      "value": 51.268309
    },
    {
      "date": "2015-05-31",
      "value": 50.958486
    },
    {
      "date": "2015-06-30",
      "value": 51.336252
    },
    {
      "date": "2015-07-31",
      "value": 51.197267
    },
    {
      "date": "2015-08-31",
      "value": 50.731619
    },
    {
      "date": "2015-09-30",
      "value": 50.317201
    },
    {
      "date": "2015-10-31",
      "value": 50.017005
    },
    {
      "date": "2015-11-30",
      "value": 49.886584
    },
    {
      "date": "2015-12-31",
      "value": 50.509953
    },
    {
      "date": "2016-01-31",
      "value": 44.283183
    },
    {
      "date": "2016-02-29",
      "value": 46.106099
    },
    {
      "date": "2016-03-31",
      "value": 48.521113
    },
    {
      "date": "2016-04-30",
      "value": 47.851613
    },
    {
      "date": "2016-05-31",
      "value": 48.611666
    },
    {
      "date": "2016-06-30",
      "value": 49.7813
    },
    {
      "date": "2016-07-31",
      "value": 49.230975
    },
    {
      "date": "2016-08-31",
      "value": 50.008994
    },
    {
      "date": "2016-09-30",
      "value": 51.027462
    },
    {
      "date": "2016-10-31",
      "value": 51.464195
    },
    {
      "date": "2016-11-30",
      "value": 52.439336
    },
    {
      "date": "2016-12-31",
      "value": 53.057173
    },
    {
      "date": "2017-01-31",
      "value": 55.102312
    },
    {
      "date": "2017-02-28",
      "value": 56.813469
    },
    {
      "date": "2017-03-31",
      "value": 59.160595
    },
    {
      "date": "2017-04-30",
      "value": 57.655706
    },
    {
      "date": "2017-05-31",
      "value": 56.437323
    },
    {
      "date": "2017-06-30",
      "value": 56.583945
    },
    {
      "date": "2017-07-31",
      "value": 56.49079
    },
    {
      "date": "2017-08-31",
      "value": 56.664126
    },
    {
      "date": "2017-09-30",
      "value": 57.064316
    },
    {
      "date": "2017-10-31",
      "value": 57.095563
    },
    {
      "date": "2017-11-30",
      "value": 57.238738
    },
    {
      "date": "2017-12-31",
      "value": 57.245955
    },
    {
      "date": "2018-01-31",
      "value": 53.232555
    },
    {
      "date": "2018-02-28",
      "value": 52.360306
    },
    {
      "date": "2018-03-31",
      "value": 56.194449
    },
    {
      "date": "2018-04-30",
      "value": 56.430421
    },
    {
      "date": "2018-05-31",
      "value": 56.545435
    },
    {
      "date": "2018-06-30",
      "value": 58.140855
    },
    {
      "date": "2018-07-31",
      "value": 59.275685
    },
    {
      "date": "2018-08-31",
      "value": 60.191134
    },
    {
      "date": "2018-09-30",
      "value": 61.976102
    },
    {
      "date": "2018-10-31",
      "value": 63.846782
    },
    {
      "date": "2018-11-30",
      "value": 66.640502
    },
    {
      "date": "2018-12-31",
      "value": 67.938409
    },
    {
      "date": "2019-01-31",
      "value": 73.854949
    },
    {
      "date": "2019-02-28",
      "value": 73.276965
    },
    {
      "date": "2019-03-31",
      "value": 80.663366
    },
    {
      "date": "2019-04-30",
      "value": 80.748568
    },
    {
      "date": "2019-05-31",
      "value": 80.741345
    },
    {
      "date": "2019-06-30",
      "value": 82.562206
    },
    {
      "date": "2019-07-31",
      "value": 82.182311
    },
    {
      "date": "2019-08-31",
      "value": 82.831922
    },
    {
      "date": "2019-09-30",
      "value": 84.838703
    },
    {
      "date": "2019-10-31",
      "value": 85.327136
    },
    {
      "date": "2019-11-30",
      "value": 84.905239
    },
    {
      "date": "2019-12-31",
      "value": 84.818162
    },
    {
      "date": "2020-01-31",
      "value": 75.88648
    },
    {
      "date": "2020-02-29",
      "value": 76.341556
    },
    {
      "date": "2020-03-31",
      "value": 72.203121
    },
    {
      "date": "2020-04-30",
      "value": 67.589233
    },
    {
      "date": "2020-05-31",
      "value": 62.437637
    },
    {
      "date": "2020-06-30",
      "value": 60.819807
    },
    {
      "date": "2020-07-31",
      "value": 61.749123
    },
    {
      "date": "2020-08-31",
      "value": 62.584435
    },
    {
      "date": "2020-09-30",
      "value": 63.088709
    },
    {
      "date": "2020-10-31",
      "value": 63.298417
    },
    {
      "date": "2020-11-30",
      "value": 63.586761
    },
    {
      "date": "2020-12-31",
      "value": 64.637935
    },
    {
      "date": "2021-01-31",
      "value": 64.451058
    },
    {
      "date": "2021-02-28",
      "value": 68.71282
    },
    {
      "date": "2021-03-31",
      "value": 68.570108
    },
    {
      "date": "2021-04-30",
      "value": 68.507738
    },
    {
      "date": "2021-05-31",
      "value": 69.007268
    },
    {
      "date": "2021-06-30",
      "value": 72.651292
    },
    {
      "date": "2021-07-31",
      "value": 73.143573
    },
    {
      "date": "2021-08-31",
      "value": 74.209732
    },
    {
      "date": "2021-09-30",
      "value": 76.119456
    },
    {
      "date": "2021-10-31",
      "value": 76.473884
    },
    {
      "date": "2021-11-30",
      "value": 77.894456
    },
    {
      "date": "2021-12-31",
      "value": 78.295316
    },
    {
      "date": "2022-01-31",
      "value": 79.877602
    },
    {
      "date": "2022-02-28",
      "value": 81.330279
    },
    {
      "date": "2022-03-31",
      "value": 84.582282
    },
    {
      "date": "2022-04-30",
      "value": 87.591554
    },
    {
      "date": "2022-05-31",
      "value": 90.378437
    },
    {
      "date": "2022-06-30",
      "value": 94.060818
    },
    {
      "date": "2022-07-31",
      "value": 92.498433
    },
    {
      "date": "2022-08-31",
      "value": 91.968573
    },
    {
      "date": "2022-09-30",
      "value": 93.802733
    },
    {
      "date": "2022-10-31",
      "value": 93.823949
    },
    {
      "date": "2022-11-30",
      "value": 92.847835
    },
    {
      "date": "2022-12-31",
      "value": 91.654616
    },
    {
      "date": "2023-01-31",
      "value": 64.849488
    },
    {
      "date": "2023-02-28",
      "value": 54.129424
    },
    {
      "date": "2023-03-31",
      "value": 60.904679
    },
    {
      "date": "2023-04-30",
      "value": 64.617507
    },
    {
      "date": "2023-05-31",
      "value": 67.951422
    },
    {
      "date": "2023-06-30",
      "value": 71.647431
    },
    {
      "date": "2023-07-31",
      "value": 74.764632
    },
    {
      "date": "2023-08-31",
      "value": 79.708938
    },
    {
      "date": "2023-09-30",
      "value": 84.472872
    },
    {
      "date": "2023-10-31",
      "value": 86.941685
    },
    {
      "date": "2023-11-30",
      "value": 88.976438
    },
    {
      "date": "2023-12-31",
      "value": 91.039008
    },
    {
      "date": "2024-01-31",
      "value": 95.811528
    },
    {
      "date": "2024-02-29",
      "value": 104.445621
    },
    {
      "date": "2024-03-31",
      "value": 109.353195
    },
    {
      "date": "2024-04-30",
      "value": 110.120453
    },
    {
      "date": "2024-05-31",
      "value": 112.127187
    },
    {
      "date": "2024-06-30",
      "value": 111.002499
    },
    {
      "date": "2024-07-31",
      "value": 111.820504
    },
    {
      "date": "2024-08-31",
      "value": 112.063373
    },
    {
      "date": "2024-09-30",
      "value": 114.746242
    },
    {
      "date": "2024-10-31",
      "value": 115.259511
    },
    {
      "date": "2024-11-30",
      "value": 114.896065
    },
    {
      "date": "2024-12-31",
      "value": 115.047603
    },
    {
      "date": "2025-01-31",
      "value": 106.188271
    },
    {
      "date": "2025-02-28",
      "value": 103.173131
    },
    {
      "date": "2025-03-31",
      "value": 104.274259
    },
    {
      "date": "2025-04-30",
      "value": 100.23622
    },
    {
      "date": "2025-05-31",
      "value": 100.593353
    },
    {
      "date": "2025-06-30",
      "value": 102.682239
    },
    {
      "date": "2025-07-31",
      "value": 104.334961
    },
    {
      "date": "2025-08-31",
      "value": 105.994368
    },
    {
      "date": "2025-09-30",
      "value": 107.241516
    },
    {
      "date": "2025-10-31",
      "value": 107.72031
    },
    {
      "date": "2025-11-30",
      "value": 106.936142
    },
    {
      "date": "2025-12-31",
      "value": 106.318034
    },
    {
      "date": "2026-01-31",
      "value": 94.908585
    },
    {
      "date": "2026-02-28",
      "value": 94.023114
    },
    {
      "date": "2026-03-31",
      "value": 95.416835
    },
    {
      "date": "2026-04-30",
      "value": 91.199922
    },
    {
      "date": "2026-05-31",
      "value": 88.316721
    },
    {
      "date": "2026-06-30",
      "value": 91.641484
    },
    {
      "date": "2026-07-31",
      "value": 92.394753
    },
    {
      "date": "2026-08-31",
      "value": 94.799332
    }
  ],
  "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"
  }
}