Loan and Credit Card Data
● During the week of January 9, the credit volume of the banking sector reached 23.02 trillion TL. Compared to the beginning of 2025, thew of Key Economic Data for the Week of January 12 - January 18
● During the week of January 9, view of Key Economic Data for the Week of January 12 - January 18
● During the week of January 9, the credit volume of the banking sector reached 23.02 trillion TL. Compared to the beginning of 2025, the increase rate was 44.29%, while a decrease of 25.7 billion TL was recorded compared to the previous week.
● According to the brsa weekly data, personal credit card debt since the beginning of the year 2025% rise 49,87 2,76 Trillion TL. Of these debts, 1.03 trillion TL consisted of installment-based expenditures, while 1.73 trillion TL consisted of non-installment expenditures.
● According to TCMB data, total bank and credit card expenditures in the week of January 9 decreased by 17.9% compared to the previous week, amounting to 483.5 billion TL.ording to TCMB data, total bank and credit card expenditures in the week of January 9 decreased by 17.9% compared to the previous week, amounting to 483.5 billion TL. The increase rate compa According to TCMB data, total bank and credit card expenditures in the week of January 9 decreased by 17.9 According to TCMB data, total bank and credit card expenditures e week of January 9 decreased by 17.9% compared to the previous week, amounting to 483.5 billion TL. The increase rate compared to the same week last year was 48.2%, while the annual increase in the 4-week average of total expenditures decreased to 53.9%.
Economic Indicators and Expectations
● During the week of January 9, the Central Bank's total reserves increased by $7 billion to $196.1 billion. Gold reserves increased by $2.2 billion to $116.7 billion, while gross foreign exchange reserves increased by $4.8 billion to $79.3 billion.
● In December 2025, the central government budget recorded a deficit of 528.1 billion TL. During the same period, the primary balanceember 2025, the central government budget recorded a deficit of 528.1 billion TL. During the same period, the primary balance showed a deficit of 411.5 billion TL. In the last month of 2025, budget expenditures increased by 4.8% compared to the same month in 2024, while the increase in budget revenues reached 43.7%.
● Within the scope of the 2026 Public Investment Program, a total of 1 trillion 920.8 billion TL in funding was allocated for 13,887 projects. Within the of the 2026 Public Investment Program, a total of 1 trillion 920.8 billion TL in funding was allocated for 13,887 projects. The highest share of investment allocations was allocated to the Transportation and Communications secto Within the scope of the 2026 Public Investment Program, a total of 1 trillion 920.8 billion TL in funding was allocated for 13,887 projects. The highest share of investment allocations was allocated to the Transportation and Communications sector at 26.5%, while Mining ranked second with 18%. The total size of projects aimed at reducing earthquake risk was calculated as 697 billion TL. Additionally, the program's share of educational investments was 13.2%, while the agricultural sector received a 10% share.
● The World Bank increased its growth expectations for Turkey. World Bank increased its growth expectations for Turkey. The institution increased its 2025 growth forecast from 3.1% World Bank increased its growth expectations for Turkey. The institution increased its 2025 growth forecast from 3.1% to 3.5%, while revising its 2026 projection from 3.6% to 3.7%. The growth expectation for 2027 was increased from 4.2% to 4.4%.
● In November, the annual increase in trade sales volume continued. The total trade sales volume rose by 7.1% compared to the same month last year, with retail trade standing out, the annual increase in trade sales volume continued. The total trade sales volume rose by 7.1% compared to the same month last year, with retail trade standing out with a 14.2% increase. The increase in wholesale trade, on the other hand, remained more limited at 3.3%. Additionally, while the trade sales volume increased by 0.5% on a monthly basis, wholesale trade rose by 0.1% and retail trade by 1.5%.
● In November, the current account balance deteriorated more than expected. The current account deficit reached $4.0 billion, significantly exceeding the $2.8 billion deficit in the same month last year In November, the current account balance deteriorated more than expected. The current aIn November, the current account balance deteriorated more than expected. The current account deficit reached $4.0 billion, significantly exceeding the $2.8 billion deficit in the same month last year. With this figure, the 12-month cumulative current account deficit ror, the current account balance deteriorated more than expected. The current account deficit reached $4.0 billion, significantly exceeding the $2.8 billion deficit in the same month last year. With this figure, the 12-month cumulative current account deficit rose to $23.2 billion.
● According to the December 2025 data of the TBB Risk Center, the total amount of 15.2 Million checks submitted to banks in 2025 was TL 9.8 Trillion, while the amount of 307 thousand checks that remained unrequited at the time of submission was recorded as TL 259 Billion.
Foreign Exchange and Investor Movements
● According to the CBRT data, foreign currency deposits of real persons residing in the country increased by $ 530 Million and reached $ 143 Billion in the week of January 9. Foreign currency deposits of legal entities decreased by $ 1.1 Billion to $ 76.8 Billion.
● According to the data from the Central Bank of Turkey for the week of January 9, foreign investors made an inflow of 237.6 million dollars in the stock market.to the data from the Central Bank of Turkey for the week of January 9, foreign investors made an inflow of 237.6 million dollars in the stock market. During the same period, wcording to the data from the Central Bank of Turkey for the week of January 9, foreign investors made an inflow of 237.6 million dol According to the data from the Central Bank of Turkey for the week of January 9, foreign investrs made an inflow of 237.6 million dollars in the stock market. During the same period, while there was an inflow of $909.2 million in Government Bonds (G-Bonds), the $864.8 million portion recorded in transactions resulted from definitive purchases. In corporate bonds, a net outflow of $10.8 million was recorded. Thus, the net inflow for the week totaled $1.1 billion.
Market Data
● The BIST 100 index closed the day on January 16, 2026, at 12,668.52 points, an increase of 1.70% compared to the previous day.
● The ounce price of gold began the day at $4,592.41 in markets on January 19.
We have reached the end of this week's HangiBilgi Newsletter price of gold began the day at $4,592.41 in market