Halk Yat\u0131r\u0131m, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verileri \u00fczerinden haz\u0131rlad\u0131\u011f\u0131 A\u011fustos 2026 de\u011ferlendirmesinde, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn net kar\u0131n\u0131n A\u011fustos ay\u0131nda 79,91 milyar TL oldu\u011funu bildirdi.<\/p>\n
Sekt\u00f6r\u00fcn net kar\u0131 ayl\u0131k bazda y\u00fczde 15,9 artarken, y\u0131ll\u0131k bazda y\u00fczde 5,1 geriledi.<\/p>\n
Halk Yat\u0131r\u0131m\u2019\u0131n de\u011ferlendirmesine g\u00f6re, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn Temmuz-A\u011fustos d\u00f6nemindeki ortalama net kar\u0131, 2025 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011findeki ayl\u0131k ortalama kar\u0131n y\u00fczde 10, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011findeki ayl\u0131k ortalama kar\u0131n ise y\u00fczde 6 alt\u0131nda kald\u0131.<\/p>\n
,Sekt\u00f6r\u00fcn 2026 y\u0131l\u0131n\u0131n ilk sekiz ay\u0131ndaki toplam net k\u00e2r\u0131 ise 676,31 milyar TL olarak ger\u00e7ekle\u015fti. Bu rakam, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 20 art\u0131\u015fa i\u015faret etti.<\/p>\n
De\u011ferlendirmede, A\u011fustos ay\u0131nda karl\u0131l\u0131\u011f\u0131 destekleyen en \u00f6nemli unsurun kar\u015f\u0131l\u0131k giderlerindeki ayl\u0131k y\u00fczde 20\u2019lik d\u00fc\u015f\u00fc\u015f oldu\u011fu belirtildi. Kar\u015f\u0131l\u0131k giderleri 59,34 milyar TL\u2019ye gerilerken, ticari zarar da Temmuz ay\u0131ndaki 53,89 milyar TL\u2019den A\u011fustos ay\u0131nda 46,42 milyar TL\u2019ye indi.<\/p>\n
Menkul k\u0131ymet portf\u00f6y\u00fcnden elde edilen gelirler A\u011fustos ay\u0131nda 76,5 milyar TL k\u00e2r sa\u011flarken, d\u00f6viz i\u015flemleri taraf\u0131nda 122,93 milyar TL zarar kaydedildi. Ticari kar\/zarar kalemi ise 46,42 milyar TL zarar olarak ger\u00e7ekle\u015fti.<\/p>\n
Sekt\u00f6r\u00fcn net faiz geliri A\u011fustos ay\u0131nda ayl\u0131k bazda y\u00fczde 4 azalarak 216,83 milyar TL oldu. Net faiz marj\u0131 ise Temmuz ay\u0131ndaki y\u00fczde 6 seviyesinden y\u00fczde 5,6\u2019ya geriledi.<\/p>\n
TL kredi-mevduat faiz fark\u0131 A\u011fustos ay\u0131nda y\u00fczde 2,4 seviyesinde ger\u00e7ekle\u015fti. Halk Yat\u0131r\u0131m de\u011ferlendirmesinde, \u00f6nceki ay y\u00fczde 2,1 olan s\u00f6z konusu fark\u0131n ayl\u0131k bazda geni\u015fledi\u011fi, ancak \u00e7eyreksel bazda daralman\u0131n s\u00fcrd\u00fc\u011f\u00fc belirtildi.<\/p>\n
\u00dc\u00e7 ay vadeli TL mevduat faizi 21 A\u011fustos itibar\u0131yla y\u00fczde 47,14 seviyesindeyken, sonraki haftan\u0131n verisinde y\u00fczde 44,79\u2019a, 11 Eyl\u00fcl verisinde ise y\u00fczde 43,9\u2019a geriledi.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00f6zsermaye karl\u0131l\u0131\u011f\u0131 (ROE) A\u011fustos ay\u0131nda y\u00fczde 20,4 seviyesine y\u00fckseldi. Temmuz ay\u0131nda y\u00fczde 17,9 olan ayl\u0131k ROE, A\u011fustos\u2019ta toparlan\u0131rken, Temmuz-A\u011fustos d\u00f6neminin ortalamas\u0131 y\u00fczde 19,1 ile 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyrek ortalamas\u0131 olan y\u00fczde 21,4\u2019\u00fcn alt\u0131nda kald\u0131.<\/p>\n
Halk Yat\u0131r\u0131m, banka gruplar\u0131 aras\u0131nda yerli \u00f6zel mevduat bankalar\u0131n\u0131n ayr\u0131\u015ft\u0131\u011f\u0131na dikkat \u00e7ekti. Bu grupta A\u011fustos ay\u0131nda kar\u0131n ayl\u0131k bazda y\u00fczde 11 geriledi\u011fi, \u00f6zsermaye k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131n ise Temmuz-A\u011fustos d\u00f6neminde ortalama y\u00fczde 10 seviyesinde ger\u00e7ekle\u015fti\u011fi belirtildi.<\/p>\n
BDDK verilerine g\u00f6re sekt\u00f6r\u00fcn takipteki kredi oran\u0131 da 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011findeki y\u00fczde 2,8 seviyesinden Temmuz-A\u011fustos d\u00f6neminde y\u00fczde 3\u2019e y\u00fckseldi. Ayn\u0131 d\u00f6nemde takipteki kredi kar\u015f\u0131l\u0131k oran\u0131 y\u00fczde 76,4 oldu.<\/p>\n
Halk Yat\u0131r\u0131m de\u011ferlendirmesinde ayr\u0131ca, kredi b\u00fcy\u00fcmesinin son bir ayda daha istikrarl\u0131 seyretti\u011fi, kamu bankalar\u0131nda kredi b\u00fcy\u00fcmesinin ivme kazand\u0131\u011f\u0131, \u00f6zel mevduat bankalar\u0131nda ise gerileme g\u00f6r\u00fcld\u00fc\u011f\u00fc belirtildi.<\/p>\n
<\/strong> \u0130stanbul, 30 Eyl\u00fcl (Hibya) – Halk Yat\u0131r\u0131m, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verileri \u00fczerinden haz\u0131rlad\u0131\u011f\u0131 A\u011fustos 2026 de\u011ferlendirmesinde, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn net kar\u0131n\u0131n A\u011fustos ay\u0131nda 79,91 milyar TL oldu\u011funu bildirdi.<\/p>\n","protected":false},"author":1,"featured_media":159263,"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-159262","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\/159262","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=159262"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/159262\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/159263"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=159262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=159262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=159262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"