{"id":25336,"date":"2025-10-11T13:25:03","date_gmt":"2025-10-11T13:25:03","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=25336"},"modified":"2025-10-11T13:25:03","modified_gmt":"2025-10-11T13:25:03","slug":"garanti-bbvanin-dorduncu-ceyrek-kari-beklentiyi-asti","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2025\/10\/11\/garanti-bbvanin-dorduncu-ceyrek-kari-beklentiyi-asti\/","title":{"rendered":"Garanti BBVA’n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyrek k\u00e2r\u0131 beklentiyi a\u015ft\u0131"},"content":{"rendered":"

VAHAP TA\u015eTAN\/BLOOMBERG HT ARA\u015eTIRMA ANAL\u0130ST\u0130<\/strong><\/p>\n

Garanti Bankas\u0131 2024 y\u0131l\u0131 d\u00f6rd\u00fcnc\u00fc \u00e7eyrek bilan\u00e7osunu a\u00e7\u0131klad\u0131. Banka bu d\u00f6nemde 25,2 milyar TL k\u00e2r a\u00e7\u0131klad\u0131. Beklenti 24,7 milyar TL’ydi.<\/p>\n

Net k\u00e2r \u00e7eyreklik bazda y\u00fczde 12,5 art\u0131\u015f g\u00f6sterdi. Banka 2024 y\u0131l\u0131n\u0131 ise 91,2 milyar TL net k\u00e2r ile tamamlad\u0131. Net k\u00e2r y\u0131ll\u0131k y\u00fczde 5,6 artt\u0131. Bankan\u0131n \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fczde 32,5 olarak ger\u00e7ekle\u015fti. 3. \u00e7eyrekte y\u00fczde 32,9 olmu\u015ftu. Bankan\u0131n aktif k\u00e2rl\u0131l\u0131\u011f\u0131 ise y\u00fczde 3,5 oldu.<\/p>\n

Bankan\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte net faiz marj\u0131 \u00e7eyreklik y\u00fczde 4,8’e y\u00fckselirken 2024 y\u0131l\u0131 genelinde ise net faiz marj\u0131 y\u00fczde 4,1’e geriledi. 2023’te net faiz marj\u0131 y\u00fczde 5,1’di. 2024 y\u0131l\u0131 ikinci yar\u0131s\u0131nda ek makro ihtiyati tedbirler, bankan\u0131n net faiz marj\u0131 \u00fczerinde bask\u0131 yaratan ana etken oldu. Zorunlu kar\u015f\u0131l\u0131klardaki art\u0131\u015f\u0131n k\u00fcm\u00fclatif net faiz marj\u0131 \u00fczerinde yakla\u015f\u0131k 80 baz puanl\u0131k negatif etkiye sahip oldu\u011fu g\u00f6r\u00fcld\u00fc.<\/p>\n

Bankan\u0131n \u00e7ekirdek net faiz geliri 2024 y\u0131l\u0131nda y\u00fczde 41 artarken net \u00fccret ve komisyonlar y\u00fczde 123 art\u0131\u015f g\u00f6sterdi. TL krediler \u00e7eyreklik y\u00fczde 10,8 artarken YP krediler \u00e7eyreklik bazda yatay seyretti. Bankan\u0131n takipteki kredi oran\u0131 y\u00fczde 2,1 ile yatay seyretti.<\/p>\n

Garanti Bankas\u0131 2025 y\u0131l\u0131 beklentilerini de payla\u015ft\u0131; Buna g\u00f6re TL kredilerde enflasyon \u00fcst\u00fc b\u00fcy\u00fcme, YP kredilerde y\u00fczde 10-12 aral\u0131\u011f\u0131nda b\u00fcy\u00fcme ve y\u00fczde 30-32 band\u0131nda \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 bekleniyor. Banka ayr\u0131ca 2025 y\u0131l sonunda y\u00fczde 26,5 enflasyon ve y\u00fczde 31 oran\u0131nda politika faiz beklentisi payla\u015ft\u0131.<\/p>\n\n

<\/p>\n

Kaynak :\u00a0https:\/\/www.bloomberght.com\/garanti-bbva-nin-dorduncu-ceyrek-kri-beklentiyi-asti-3740317<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Garanti Bankas\u0131 2024 y\u0131l\u0131 d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde beklentilerin \u00fczerinde 25,2 milyar TL k\u00e2r a\u00e7\u0131klad\u0131. Beklenti 24,7 milyar TL’ydi.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[206,218,296,274,234],"manset":[],"class_list":["post-25336","post","type-post","status-publish","format-standard","hentry","category-ekonomi","tag-banka","tag-ceyrek","tag-kar","tag-kredi","tag-net"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=25336"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25336\/revisions"}],"predecessor-version":[{"id":25337,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25336\/revisions\/25337"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=25336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=25336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=25336"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=25336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}