{"id":66999,"date":"2024-08-01T20:12:05","date_gmt":"2024-08-01T20:12:05","guid":{"rendered":"https:\/\/ekamu.net\/?p=66999"},"modified":"2024-08-01T20:12:05","modified_gmt":"2024-08-01T20:12:05","slug":"tskbnin-ikinci-ceyrek-kari-beklentilerin-uzerinde","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/08\/01\/tskbnin-ikinci-ceyrek-kari-beklentilerin-uzerinde\/","title":{"rendered":"TSKB\u2019n\u0131n ikinci \u00e7eyrek k\u00e2r\u0131 beklentilerin \u00fczerinde"},"content":{"rendered":"<p><div>Bankan\u0131n net k\u00e2r\u0131 \u00e7eyreksel bazda y\u00fczde 28 artarken y\u0131ll\u0131k bazda ise y\u00fczde 39 art\u0131\u015f kaydettti. Bankan\u0131n \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 ilk yar\u0131 sonunda y\u00fczde 37.1 olarak ger\u00e7ekle\u015fti.<\/div>\n<div>Bankan\u0131n toplam 1.75 milyar TL tutar\u0131nda da serbest kar\u015f\u0131l\u0131k sto\u011fu bulunurken toplam kar\u015f\u0131l\u0131k oran\u0131 y\u00fczde 5.9 seviyesinde.<\/div>\n<div>T\u00dcFE&#8217;ye dayal\u0131 varl\u0131k etkisiyle g\u00fc\u00e7lenen net faiz geliri, \u00fccret ve komisyon gelirlerindeki y\u0131ll\u0131k art\u0131\u015f ve devam eden i\u015ftirak gelirleri net k\u00e2ra y\u0131ll\u0131k bazda katk\u0131 sa\u011flayan unsurlar oldu. Bankan\u0131n \u00f6zkaynak k\u00e2rl\u0131l\u0131k oran\u0131 2024 ilk \u00e7eyrek sonundaki y\u00fczde 34.7 seviyesinden y\u00fczde 37.1&#8217;ye y\u00fckseldi.<\/div>\n<div>Banka 2024 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda \u00e7eyreksel bazda y\u00fczde 9 art\u0131\u015fla 2 milyar 760 milyon TL net faiz geliri elde etti. 2024 ilk \u00e7eyrekte 837 milyon TL T\u00fcfeks geliri elde etmi\u015fti, s\u00f6z konusu rakam ikinci \u00e7eyrekte 874 milyona y\u00fckseldi. Bankan\u0131n y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f net faiz marj\u0131 \u00e7eyreksel bazda y\u00fczde 5.7\u2019den y\u00fczde 5,9&#8217;a y\u00fckseldi.<\/div>\n<div>\u00c7ekirdek net faiz marj\u0131 ise ayn\u0131 d\u00f6nemde y\u00fczde 3,9 seviyesinden y\u00fczde 4&#8217;e y\u00fckseldi. Bankan\u0131n kredi marjlar\u0131n\u0131 korudu\u011fu ve swap maliyetlerinde \u00e7eyreksel olarak y\u00fczde 19 azald\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/div>\n<div>Net \u00fccret komisyon ve komisyon geliri ikinci \u00e7eyrekte 164 milyon TL olurken, net \u00fccret komisyon gelirlerinde \u00e7eyreksel bazda y\u00fczde 26 ve y\u0131ll\u0131k bazda y\u00fczde 115 art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/div>\n<div>TSKB&#8217;nin sermaye yeterlilik oranlar\u0131 yasal s\u0131n\u0131rlar\u0131n \u00fczerinde ve g\u00fc\u00e7l\u00fc kalmaya devam etti. 2024 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde y\u00fczde 19.5 seviyesinde olan ana sermaye yeterlilik oran\u0131 bu \u00e7eyrekte 1,5 puan artarak y\u00fczde 20,3 seviyesine \u00e7\u0131kt\u0131. Serbest kar\u015f\u0131l\u0131k stoku hari\u00e7 sermaye yeterlilik oran\u0131 ise y\u00fczde 21,3 olarak hesapland\u0131.<\/div>\n<div>Banka ikinci \u00e7eyrek sonu\u00e7lar\u0131na g\u00f6re y\u0131l sonu beklentilerinde baz\u0131 de\u011fi\u015fikliklere gitti. 2024 y\u0131l\u0131 beklentilerine g\u00f6re banka; kurdan ar\u0131nd\u0131r\u0131lm\u0131\u015f kredilerde y\u00fcksek tek hane b\u00fcy\u00fcme yerine, d\u00fc\u015f\u00fck \u00e7ift haneli b\u00fcy\u00fcme \u00f6ng\u00f6r\u00fcyor. Takipteki kredi oran\u0131 ikinci \u00e7eyrek sonunda y\u00fczde 2,7 seviyesinde ger\u00e7ekle\u015firken 2024 sonunda ise takip rasyosunda 50 bps\u2019lik d\u00fc\u015f\u00fc\u015f bekleniyor.<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">Bloomberg HT<\/span><\/p>\n<p><span style=\"display: block; width: 343.125px; color: rgb(55, 58, 60); font-size: 14px; background-color: rgb(255, 249, 236);\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye S\u0131nai Kalk\u0131nma Bankas\u0131 (TSKB) 2024 y\u0131l\u0131n\u0131n 2. \u00e7eyre\u011finde 2 milyar 469 milyon TL solo net d\u00f6nem k\u00e2r\u0131 ile piyasa beklentisi olan 2 milyar 282 milyon TL&#8217;nin \u00fczerine \u00e7\u0131kt\u0131.<\/p>\n","protected":false},"author":1,"featured_media":67000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[424,3507,445,686,2022],"class_list":["post-66999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-424","tag-bankanin","tag-ceyrek","tag-net","tag-sonu"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/66999","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=66999"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/66999\/revisions"}],"predecessor-version":[{"id":67001,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/66999\/revisions\/67001"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/67000"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=66999"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=66999"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=66999"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}