Halk Yat\u0131r\u0131m\u2019\u0131n de\u011ferlendirmesine g\u00f6re, BDDK\u2019n\u0131n temmuz ay\u0131 verileri bankac\u0131l\u0131k sekt\u00f6r\u00fcnde karl\u0131l\u0131\u011f\u0131n ayl\u0131k bazda geriledi\u011fine i\u015faret etti.\u00a0<\/p>\n
Sekt\u00f6r\u00fcn net kar\u0131 Temmuz’da 68,96 milyar TL olurken, bu rakam hazirandaki 105,64 milyar TL\u2019ye g\u00f6re y\u00fczde 34,7 d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131ndaki 56,75 milyar TL\u2019lik net k\u00e2ra g\u00f6re ise y\u00fczde 21,5 art\u0131\u015f kaydedildi.<\/p>\n
Halk Yat\u0131r\u0131m analizinde, temmuz ay\u0131 net kar\u0131n\u0131n 2025 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek ayl\u0131k ortalama k\u00e2r\u0131n\u0131n y\u00fczde 16, 2026 y\u0131l\u0131 ikinci \u00e7eyrek ayl\u0131k ortalama k\u00e2r\u0131n\u0131n ise y\u00fczde 13 alt\u0131nda kald\u0131\u011f\u0131 belirtildi.<\/p>\n
Rapora g\u00f6re sekt\u00f6rde net faiz marj\u0131 y\u00fczde 6 seviyesinde \u0131l\u0131ml\u0131 bir seyir izlerken, TL kredi-mevduat faiz makas\u0131 ayl\u0131k bazda 68 baz puan daralarak k\u00e2rl\u0131l\u0131\u011fa beklenen katk\u0131y\u0131 sa\u011flayamad\u0131. Faaliyet giderleri, provizyon giderleri ve ticari zarar kalemlerindeki g\u00f6r\u00fcn\u00fcm de temmuz ay\u0131ndaki zay\u0131f performansta etkili oldu.<\/p>\n
Net faiz geliri temmuzda ayl\u0131k bazda y\u00fczde 3 artarak 226,15 milyar TL’ye y\u00fckseldi. Bankac\u0131l\u0131k hizmet gelirleri ise y\u00fczde 8 gerileyerek 108,42 milyar TL oldu. Kar\u015f\u0131l\u0131k giderleri 74,11 milyar TL ile yatay kal\u0131rken, operasyonel giderler y\u00fczde 8 art\u0131\u015fla 158,92 milyar TL’ye \u00e7\u0131kt\u0131.<\/p>\n
Ticari zarar kalemi de temmuz ay\u0131nda 53,89 milyar TL seviyesinde ger\u00e7ekle\u015fti. Halk Yat\u0131r\u0131m, nisan ay\u0131nda ba\u015flayan y\u00fcksek ticari zarar seyrinin s\u00fcrd\u00fc\u011f\u00fcne dikkat \u00e7ekerek son d\u00f6rt ay\u0131n ortalamas\u0131n\u0131n 48,62 milyar TL oldu\u011funu belirtti.<\/p>\n
Raporda, provizyon giderlerinin ocak ay\u0131ndaki y\u00fcksek seviye d\u0131\u015far\u0131da b\u0131rak\u0131ld\u0131\u011f\u0131nda dahi son alt\u0131 aya k\u0131yasla y\u00fcksek seyrini korudu\u011fu ifade edildi. Temmuz ay\u0131nda kar\u015f\u0131l\u0131k giderleri y\u0131ll\u0131k bazda y\u00fczde 53 artt\u0131.<\/p>\n
Halk Yat\u0131r\u0131m, bu g\u00f6r\u00fcn\u00fcm\u00fcn y\u0131l\u0131n kalan b\u00f6l\u00fcm\u00fcnde bankac\u0131l\u0131k sekt\u00f6r\u00fc k\u00e2rl\u0131l\u0131\u011f\u0131 \u00fczerinde daha belirgin bir bask\u0131 unsuru olabilece\u011fi de\u011ferlendirmesinde bulundu.<\/p>\n
Faaliyet giderlerinin y\u00fcksek seyretmesinin ise beklenmeyen bir negatif katalist olarak de\u011ferlendirilmedi\u011fi belirtildi. Analizde, ikinci \u00e7eyrekte \u00f6zel bankalar\u0131n faaliyet giderlerinin y\u0131l sonu \u00f6ng\u00f6r\u00fcleriyle paralel ger\u00e7ekle\u015fti\u011fi ve y\u0131l ba\u015f\u0131ndaki beklentilerin de y\u00fcksek gider seviyelerine i\u015faret etti\u011fi hat\u0131rlat\u0131ld\u0131.<\/p>\n
Rapora g\u00f6re y\u0131l\u0131n kalan\u0131nda \u00fccret ve komisyon gelirlerinin performans\u0131 bankalar\u0131n y\u0131l sonu sonu\u00e7lar\u0131 a\u00e7\u0131s\u0131ndan belirleyici olacak. Net \u00fccret ve komisyon gelirleri ayl\u0131k bazda s\u0131n\u0131rl\u0131 gerilese de y\u0131l i\u00e7erisindeki g\u00fc\u00e7l\u00fc seyrini korudu.<\/p>\n
Sekt\u00f6r\u00fcn \u00f6zsermaye k\u00e2rl\u0131l\u0131\u011f\u0131 (ROE) temmuz ay\u0131nda y\u00fczde 17,9 olarak ger\u00e7ekle\u015fti. Bu oran may\u0131sta y\u00fczde 15,8, haziranda ise y\u00fczde 27,9 seviyesindeydi.<\/p>\n
Halk Yat\u0131r\u0131m, haftal\u0131k repo ihalelerinin yeniden a\u00e7\u0131lmas\u0131n\u0131n marj taraf\u0131nda geni\u015fleme sa\u011flayabilece\u011fini ancak bunun y\u0131l sonu a\u00e7\u0131s\u0131ndan tek ba\u015f\u0131na yeterli olmayaca\u011f\u0131n\u0131 de\u011ferlendirdi. Eyl\u00fclde faiz indirimi yap\u0131lmamas\u0131 ve indirimlerin ekimde ba\u015flamas\u0131 durumunda bankalar aras\u0131ndaki karl\u0131l\u0131k ayr\u0131\u015fmas\u0131n\u0131n daha belirgin hale gelebilece\u011fi ifade edildi.<\/p>\n
Banka gruplar\u0131 aras\u0131nda yabanc\u0131 \u00f6zel mevduat bankalar\u0131 y\u00fczde 25,8’lik ROE ile \u00f6ne \u00e7\u0131karken, yat\u0131r\u0131m ve kalk\u0131nma bankalar\u0131nda bu oran y\u00fczde 30,8 oldu. Yerli \u00f6zel mevduat bankalar\u0131n\u0131n ROE’si ise y\u00fczde 10,7 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n
Halk Yat\u0131r\u0131m, mevcut konjonkt\u00fcrde \u00f6zsermaye k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fcksek bankalar\u0131n y\u0131l\u0131n geri kalan\u0131nda daha olumlu ayr\u0131\u015fabilece\u011fi g\u00f6r\u00fc\u015f\u00fcn\u00fc korurken, GARAN ve TSKB\u2019nin daha korunakl\u0131 konumda oldu\u011funu belirtti. Raporda, ISCTR’nin ikinci \u00e7eyrek sonu\u00e7lar\u0131n\u0131n ard\u0131ndan model portf\u00f6yden \u00e7\u0131kar\u0131ld\u0131\u011f\u0131, YKBNK’nin ise ISCTR ve AKBNK’ya k\u0131yasla daha h\u0131zl\u0131 toparlanma g\u00f6sterebilece\u011finin d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fc aktar\u0131ld\u0131.<\/p>\n
BDDK verilerine g\u00f6re sekt\u00f6r\u00fcn takipteki kredi oran\u0131 temmuz ay\u0131nda y\u00fczde 2,9\u2019a y\u00fckseldi. \u0130kinci \u00e7eyrekte y\u00fczde 2,8 olan oran, 2025’in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde y\u00fczde 2,2 seviyesindeydi.<\/p>\n
Kredi risk maliyeti y\u00fczde 2 seviyesinde kal\u0131rken, takipteki krediler i\u00e7in kar\u015f\u0131l\u0131k oran\u0131 y\u00fczde 76,3 oldu. Kredilerin mevduata oran\u0131 ise y\u00fczde 91,4 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sermaye yeterlilik oran\u0131 (SYR) temmuz ay\u0131nda y\u00fczde 16,6 seviyesinde kal\u0131rken, \u00e7ekirdek sermaye yeterlilik oran\u0131 (CET1) y\u00fczde 12,4 olarak ger\u00e7ekle\u015fti.<\/p>\n
Halk Yat\u0131r\u0131m, sermaye yeterlilik rasyolar\u0131n\u0131n ikinci \u00e7eyrek seviyelerini korudu\u011funa dikkat \u00e7ekti. Bununla birlikte banka gruplar\u0131 aras\u0131nda s\u0131n\u0131rl\u0131 ayr\u0131\u015fmalar ya\u015fand\u0131.<\/p>\n
Yerli \u00f6zel mevduat bankalar\u0131nda \u00e7ekirdek sermaye yeterlilik oran\u0131 y\u00fczde 12,0, sermaye yeterlilik oran\u0131 ise y\u00fczde 17,1 oldu. Yabanc\u0131 \u00f6zel mevduat bankalar\u0131nda bu oranlar s\u0131ras\u0131yla y\u00fczde 13,9 ve y\u00fczde 17,7 seviyesinde ger\u00e7ekle\u015fti. Kamu bankalar\u0131nda ise \u00e7ekirdek sermaye yeterlilik oran\u0131 y\u00fczde 10,2, sermaye yeterlilik oran\u0131 y\u00fczde 14,3 olarak kaydedildi.<\/p>\n
Halk Yat\u0131r\u0131m\u2019\u0131n de\u011ferlendirmesinde, temmuz ay\u0131 verilerinin bankac\u0131l\u0131k sekt\u00f6r\u00fcnde net karl\u0131l\u0131\u011f\u0131n ayl\u0131k bazda belirgin \u015fekilde zay\u0131flad\u0131\u011f\u0131n\u0131, \u00f6zellikle daralan kredi-mevduat makas\u0131, y\u00fcksek faaliyet ve kar\u015f\u0131l\u0131k giderleri ile ticari zararlar\u0131n karl\u0131l\u0131\u011f\u0131 bask\u0131lad\u0131\u011f\u0131n\u0131 ortaya koydu\u011fu belirtildi.<\/p>\n
Buna kar\u015f\u0131l\u0131k net faiz gelirindeki art\u0131\u015f ve sermaye yeterlilik rasyolar\u0131n\u0131n korunmas\u0131, sekt\u00f6r a\u00e7\u0131s\u0131ndan \u00f6ne \u00e7\u0131kan olumlu unsurlar olarak de\u011ferlendirildi.<\/p>\n
<\/strong> \u0130stanbul, 1 Eyl\u00fcl (Hibya) \u2013 Halk Yat\u0131r\u0131m\u2019\u0131n de\u011ferlendirmesine g\u00f6re, BDDK\u2019n\u0131n temmuz ay\u0131 verileri bankac\u0131l\u0131k sekt\u00f6r\u00fcnde karl\u0131l\u0131\u011f\u0131n ayl\u0131k bazda geriledi\u011fine i\u015faret etti.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":142106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[4,1,9],"tags":[],"class_list":["post-142105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dunya","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/142105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=142105"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/142105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/142106"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=142105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=142105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=142105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"