During the nineteenth century, Ottoman market has started integrate with the world economy. With the impact of free-trade pacts and steam navigation, it's trade volume had expanded in a short period of time. The need of business-circles to "modern" credit instıtutıons emerged. The port cities being the first, similar demands were coming from almost all trade centers: There was the need for institutions which would organize trade life, provide stability in money market and transactions, and meet the capital need of espicially the small landholders and manufacturers. Though the demand for credit institutions were high in Anatolia during the period 1840-1880, when an evident increase in the volume of trade was observed in the main Anatolian ports, banks and banking activities did not become widespread outside İstanbul. Tje pirincipal reason for this was that giving credit to the state was the most profitable banking activity because of the urgent credit need of the state and that related institutions were located in İstanbul. In conclusion, the demand for credit institutions in Anatolia remained unanswered for the 1835-1880 period.