KKM Balance Drops by 31 Million Lira to 205 Million: Banking Sector Data

The banking sector's total credit volume increased by 70 billion 835 million lira as of July 10, reaching 26 trillion 817 billion 337 million lira. Total deposits, including interbank transactions, rose by 180 billion 354 million lira to 30 trillion 52 billion lira.

Consumer Loans and Commercial Credit Growth

■Consumer loans increased by 6 billion 281 million lira to 3 trillion 395 billion 746 million lira.

■Installment commercial credits rose by 5 billion 72 million lira to 4 trillion 128 billion 233 million lira.

Decline in Personal Credit Card Debt

■Personal credit card debt decreased by 0.3% to 3 trillion 276 billion 850 million lira.

■Installment debt accounted for 1 trillion 214 billion 328 million lira, while non-installment debt was 2 trillion 62 billion 521 million lira.

Following Debts and Legal Reserves

■Following debts increased by 9 billion 416 million lira to 785 billion 704 million lira.

■Legal reserves grew by 2 billion 444 million lira to 5 trillion 757 billion 479 million lira.

The KKM balance's drop of 31 million lira last week signals liquidity concerns in the banking sector despite credit growth. For long-term value investors, this could be a critical signal to reassess dividend champions and buyback programs. The simultaneous increase in credit and deposit growth suggests markets will continue to monitor banking risk appetites.