{"id":91859,"date":"2025-05-13T23:36:07","date_gmt":"2025-05-13T23:36:07","guid":{"rendered":"https:\/\/ekamu.net\/?p=91859"},"modified":"2025-05-13T23:36:07","modified_gmt":"2025-05-13T23:36:07","slug":"garanti-bbvadan-ucuncu-ceyrekte-221-milyar-tl-net-kar","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2025\/05\/13\/garanti-bbvadan-ucuncu-ceyrekte-221-milyar-tl-net-kar\/","title":{"rendered":"Garanti BBVA&#8217;dan \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte 22,1 milyar TL net k\u00e2r"},"content":{"rendered":"<div>\n<p>Garanti BBVA&#8217;dan Kamuyu Ayd\u0131nlatma Platforum&#8217;na yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, bankan\u0131n \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 beklentilere paralel olarak y\u00fczde 32,9 olarak ger\u00e7ekle\u015fti.<\/p>\n<p>Bankan\u0131n net faiz marj\u0131 \u00e7eyreklik d\u00f6nemde y\u00fczde 4,1\u2019e y\u00fckselirken 9 ayl\u0131k d\u00f6nemde y\u00fczde 3,8 olarak kaydedildi. Ge\u00e7en y\u0131l ayn\u0131 d\u00f6nem y\u00fczde 5,1 olmu\u015ftu.<\/p>\n<p>Temel bankac\u0131l\u0131k gelirlerinde \u00e7eyreklik y\u00fczde 12 b\u00fcy\u00fcme g\u00f6steren bankan\u0131n \u00e7ekirdek net faiz gelirleri de y\u00fczde 15 art\u0131\u015f g\u00f6sterdi.<\/p>\n<p>Net \u00fccret ve komisyon gelirlerinde ise \u00e7eyreklik y\u00fczde 18\u2019lik ve k\u00fcm\u00fclatif olarak y\u0131ll\u0131k y\u00fczde 156 art\u0131\u015f ya\u015fand\u0131.<\/p>\n<\/div>\n<div>\n<p>TL krediler ge\u00e7en seneye g\u00f6re y\u00fczde 53 b\u00fcy\u00fcrken D\u00f6viz kredileri y\u00fczde 16 artt\u0131. Bankan\u0131n ikinci \u00e7eyrekte y\u00fczde 1,9 olan takipteki kredi oran\u0131 da \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte y\u00fczde 2,1\u2019e y\u00fckseldi.<\/p>\n<p>Banka 2024 y\u0131l\u0131nda d\u00f6viz kredilerinde yuk\u00e2r\u0131 y\u00f6nl\u00fc risk payla\u015f\u0131rken 2024 y\u0131l\u0131nda s\u0131k\u0131 para politikas\u0131 ve makro ihtiyati tedbirlere k\u00e2r\u015f\u0131n yatay seyir beklentisini koruyor. Banka yakla\u015f\u0131k 35&#8217;lerdeki \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 beklentisini de korudu.<\/p>\n<p>Garanti BBVA Genel M\u00fcd\u00fcr\u00fc Mahmut Akten \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek verilerine ili\u015fkin, \u201c2024 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fi, enflasyonla m\u00fccadelenin \u00f6n planda oldu\u011fu ve bu do\u011frultuda s\u0131k\u0131 para politikas\u0131 duru\u015funun kararl\u0131l\u0131kla s\u00fcrd\u00fcr\u00fcld\u00fc\u011f\u00fc bir d\u00f6nem olarak \u015fekillendi. Makro ihtiyati tedbirlerle peki\u015ftirilen para politikas\u0131, fonlama maliyetleri \u00fczerindeki bask\u0131n\u0131n devam etmesine yol a\u00e7t\u0131. Bu durum, T\u00fcrk liras\u0131 kredi-mevduat marjlar\u0131 \u00fczerindeki bask\u0131n\u0131n daha da yo\u011funla\u015fmas\u0131na neden oldu. Ancak, m\u00fc\u015fteriyi \u00f6nceliklendiren b\u00fcy\u00fcme yakla\u015f\u0131m\u0131m\u0131z, ekonomik ko\u015fullar\u0131n s\u0131k\u0131la\u015ft\u0131\u011f\u0131 d\u00f6nemlerde dahi bizi farkl\u0131 k\u0131lmay\u0131 s\u00fcrd\u00fcr\u00fcyor. Bu yakla\u015f\u0131m\u0131m\u0131z m\u00fc\u015fterilerimizle kurdu\u011fumuz uzun vadeli ili\u015fkiler ve onlar\u0131n \u00f6ncelikli banka tercihi olmam\u0131z sayesinde, bu \u00e7eyrekte de \u00f6zel bankalar aras\u0131nda T\u00fcrk liras\u0131 kredilerde ve T\u00fcrk liras\u0131 m\u00fc\u015fteri mevduatlar\u0131nda liderli\u011fimizi korumay\u0131 ba\u015fard\u0131k. Konut kredisi, ihtiya\u00e7 kredisi, ta\u015f\u0131t kredisi ve kredi kartlar\u0131nda ald\u0131\u011f\u0131m\u0131z g\u00fc\u00e7l\u00fc pazar pay\u0131 ile TL kredi b\u00fcy\u00fckl\u00fc\u011f\u00fcm\u00fcz\u00fc 1 trilyon TL\u2019nin \u00fczerine \u00e7\u0131kard\u0131k&#8221; de\u011ferlendirmesini yapt\u0131.<\/p>\n<\/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>Garanti Bankas\u0131 2024 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde beklentilerin \u00fczerinde 22,1 milyar TL k\u00e2r a\u00e7\u0131klad\u0131. Net k\u00e2r \u00e7eyreklik y\u00fczde 1,4 artarken y\u0131ll\u0131k ise y\u00fczde 6,4 darald\u0131.<\/p>\n","protected":false},"author":1,"featured_media":91860,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[48,445,857,663],"class_list":["post-91859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-ceyrek","tag-donem","tag-kredi"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/91859","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=91859"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/91859\/revisions"}],"predecessor-version":[{"id":91861,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/91859\/revisions\/91861"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/91860"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=91859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=91859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=91859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}