Marmara \u00dcniversitesi Finansal Bilimler Fak\u00fcltesi Bankac\u0131l\u0131k B\u00f6l\u00fcm\u00fc \u00d6\u011fretim \u00dcyesi Do\u00e7. Dr. I\u015f\u0131l, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) Kas\u0131m ay\u0131na ili\u015fkin Ayl\u0131k Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Verileri\u2019ni de\u011ferlendirdi.<\/p>\n
I\u015f\u0131l, T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn 2025 y\u0131l\u0131 Kas\u0131m ay\u0131 (2025\/11) d\u00f6nemine ait finansal tablolar\u0131n\u0131n; aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc, karl\u0131l\u0131k ve kredi kompozisyonu a\u00e7\u0131s\u0131ndan sekt\u00f6r\u00fcn makroekonomik istikrar i\u00e7erisindeki yerini teyit eden g\u00fc\u00e7l\u00fc bir g\u00f6r\u00fcn\u00fcm sundu\u011funu kaydetti.<\/p>\n
Sekt\u00f6r\u00fcn toplam aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn, Kas\u0131m ay\u0131 itibar\u0131yla 44 trilyon 967 milyar TL seviyesine ula\u015farak finansal sistemin derinli\u011fini ortaya koydu\u011funu belirten I\u015f\u0131l, \u201cBilan\u00e7onun aktif taraf\u0131nda en b\u00fcy\u00fck pay\u0131 22 trilyon 174 milyar TL ile krediler al\u0131rken; kredilerin detay\u0131na bak\u0131ld\u0131\u011f\u0131nda, 2,79 trilyon TL\u2019lik k\u0131sm\u0131n\u0131 t\u00fcketici kredilerinin, 3,53 trilyon TL\u2019lik k\u0131sm\u0131n\u0131 ise bireysel ve ticari kredi kartlar\u0131n\u0131n olu\u015fturdu\u011fu g\u00f6r\u00fclmektedir.\u201d dedi.<\/p>\n
Do\u00e7. Dr. I\u015f\u0131l, bankalar\u0131n menkul de\u011ferler portf\u00f6y\u00fcn\u00fcn ise 6 trilyon 900 milyar TL b\u00fcy\u00fckl\u00fc\u011fe ula\u015ft\u0131\u011f\u0131n\u0131, bu stokun 3,85 trilyon TL'sinin devlet tahvillerinden, 1,63 trilyon TL'sinin ise hazinece yurt d\u0131\u015f\u0131nda ihra\u00e7 edilen Eurobond ve benzeri tahvillerden meydana geldi\u011fini ifade etti.<\/p>\n
Pasif tarafta ise temel fonlama kayna\u011f\u0131 olan mevduat (kat\u0131l\u0131m fonu dahil) hacminin, 26 trilyon 70 milyar TL seviyesine y\u00fckseldi\u011fine de\u011finen I\u015f\u0131l, \u015funlar\u0131 kaydetti:<\/p>\n
\u201cBu tutar\u0131n 9,49 trilyon TL'si vadesiz, 16,58 trilyon TL'si ise vadeli mevduat kalemlerinden olu\u015fmaktad\u0131r. Karl\u0131l\u0131k cephesinde; sekt\u00f6r\u00fcn toplam faiz gelirleri 7,55 trilyon TL , toplam faiz giderleri ise 6,05 trilyon TL olarak ger\u00e7ekle\u015fmi\u015ftir. Bu tablo neticesinde bankac\u0131l\u0131k sekt\u00f6r\u00fc, Kas\u0131m sonu itibar\u0131yla 842 milyar 844 milyon TL d\u00f6nem net kar\u0131 elde etmeyi ba\u015farm\u0131\u015ft\u0131r.\u201d<\/p>\n
I\u015f\u0131l, aktif kalitesine y\u00f6nelik kritik bir g\u00f6sterge olan takipteki alacaklar tutar\u0131 557,56 milyar TL seviyesinde kaydedilirken, bu alacaklar i\u00e7in ayr\u0131lan beklenen zarar kar\u015f\u0131l\u0131klar\u0131n\u0131n 783,50 milyar TL ile riskleri fazlas\u0131yla kapsad\u0131\u011f\u0131n\u0131n izlendi\u011fine de\u011findi.<\/p>\n
T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sermaye yeterlili\u011fi ve likidite y\u00f6netimi a\u00e7\u0131s\u0131ndan olduk\u00e7a dayan\u0131kl\u0131 bir performans sergiledi\u011fini g\u00f6sterdi\u011fine dikkati \u00e7eken Do\u00e7. Dr. I\u015f\u0131l, de\u011ferlendirmesinde \u015fu ifadelere yer verdi:<\/p>\n
\u201c3 trilyon 920 milyar TL seviyesindeki toplam \u00f6zkaynak hacmi, sekt\u00f6r\u00fcn olas\u0131 \u015foklara kar\u015f\u0131 koruma kalkan\u0131n\u0131n g\u00fc\u00e7l\u00fc oldu\u011funu teyit etmektedir. Kredilerdeki b\u00fcy\u00fcmenin hem ticari hem de bireysel kanallarda mevduat taban\u0131yla uyumlu bir \u015fekilde ilerlemesi, bankalar\u0131n fonlama maliyetlerini kar marjlar\u0131yla dengeleyebildi\u011fini kan\u0131tlamaktad\u0131r.\u201d<\/p>\n
I\u015f\u0131l, \u00f6zellikle Eurobond ve devlet tahvilleriyle desteklenen menkul k\u0131ymet portf\u00f6y\u00fc ile takipteki alacaklar kar\u015f\u0131lama oranlar\u0131n\u0131n y\u00fcksek seyrinin, sekt\u00f6r\u00fcn 2026 y\u0131l\u0131na girerken aktif kalitesini koruma konusundaki kararl\u0131l\u0131\u011f\u0131n\u0131 ve s\u00fcrd\u00fcr\u00fclebilir karl\u0131l\u0131k potansiyelini a\u00e7\u0131k\u00e7a ortaya koydu\u011funu ifade etti.<\/p>\n
<\/strong> \u0130stanbul, 29 Aral\u0131k (Hibya) \u2013 Marmara \u00dcniversitesi Finansal Bilimler Fak\u00fcltesi Bankac\u0131l\u0131k B\u00f6l\u00fcm\u00fc \u00d6\u011fretim \u00dcyesi Do\u00e7. Dr. G\u00f6khan I\u015f\u0131l, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn, Kas\u0131m sonu itibar\u0131yla 842 milyar 844 milyon TL d\u00f6nem net kar\u0131 elde etmeyi ba\u015fard\u0131\u011f\u0131n\u0131 belirtti. <\/p>\n","protected":false},"author":1,"featured_media":26687,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow07ekDA:productID":"","footnotes":""},"categories":[12,4,1],"tags":[],"class_list":["post-26686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spor","category-dunya","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/26686","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=26686"}],"version-history":[{"count":0,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/26686\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media\/26687"}],"wp:attachment":[{"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=26686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=26686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomigundemi.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=26686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nEKONOM\u0130 GAZETES\u0130 <\/p>\n","protected":false},"excerpt":{"rendered":"