SEVCAN ERS\u00d6ZL\u00dc\/BLOOMBERG HT ARA\u015eTIRMA<\/strong><\/span><\/p>\n Akbank 2024’\u00fcn 4. \u00e7eyre\u011finde 9,2 milyar TL k\u00e2r a\u00e7\u0131klad\u0131. Beklenti: 9,1 milyar TL’ydi. Net k\u00e2r y\u0131ll\u0131k bazda y\u00fczde 36 d\u00fc\u015ft\u00fc; \u00e7eyreksel bazda ise y\u00fczde 2 y\u00fckseldi. Akbank 2024 y\u0131l\u0131n\u0131 ise 42,4 milyar TL net k\u00e2rla kapatt\u0131. Net k\u00e2rdaki y\u0131ll\u0131k d\u00fc\u015f\u00fc\u015fte, daralan faiz marjlar\u0131 ve artan operasyonel maliyetler etkili oldu.<\/p>\n Bankan\u0131n \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fczde 19 olarak ger\u00e7ekle\u015fti. 2024 3. \u00e7eyrekte \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fczde 20,2; 2023’te y\u00fczde 37,9 olmu\u015ftu. Aktif k\u00e2rl\u0131l\u0131\u011f\u0131 ise y\u00fczde 1,9 seviyesinde ger\u00e7ekle\u015fti. 2024 3. \u00e7eyrekte aktif k\u00e2rl\u0131l\u0131k y\u00fczde 2; 2023’te y\u00fczde 4,4 olmu\u015ftu.<\/p>\n \u00c7eyreklik net faiz marj\u0131 y\u00fczde 2.6’dan y\u00fczde 3’e y\u00fckseldi. (2023’te y\u00fczde 5’ti)<\/p>\n 2023 y\u0131l\u0131nda y\u00fczde 4,7 seviyesindeki swap ayarl\u0131 net faiz marj\u0131 2024 y\u0131l\u0131nda y\u00fczde 2,2 seviyesine gerileyerek 246 baz puanl\u0131k bir d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Bu d\u00fc\u015f\u00fc\u015f\u00fcn yakla\u015f\u0131k 80 baz puan\u0131, zorunlu kar\u015f\u0131l\u0131k art\u0131\u015flar\u0131n\u0131n negatif etkisinden kaynakland\u0131.<\/p>\n Swap ayarl\u0131 net faiz geliri, y\u00fcksek enflasyon ve s\u0131k\u0131 para politikalar\u0131n\u0131n etkisiyle y\u0131ll\u0131k y\u00fczde 28 d\u00fc\u015f\u00fc\u015fle TL 46,8 milyar TL seviyesine geriledi.<\/p>\n Bankan\u0131n 2023 y\u0131l\u0131ndaki TL kredileri 636 milyar TL seviyesinden 2024 y\u0131l\u0131nda y\u00fczde 41 b\u00fcy\u00fcme ile 896 milyar TL seviyesine ula\u015ft\u0131.<\/p>\n Bankan\u0131n d\u00f6viz kredileri ise 2023 y\u0131l\u0131nda y\u0131ll\u0131k bazda y\u00fczde 23 art\u0131\u015fla 10 milyar dolardan 12,3 milyar dolar seviyesine \u00e7\u0131kt\u0131. Bankan\u0131n takipteki kredi oran\u0131 \u00e7eyreksel bazda y\u00fczde 2,7 ile yatay seyrederken, y\u0131ll\u0131k bazda y\u00fczde 2,2\u2019den y\u00fczde 2,7\u2019ye y\u00fckseldi.<\/p>\n Net \u00fccret ve komisyon gelirleri, y\u0131ll\u0131k bazda y\u00fczde 116 art\u0131\u015fla TL 73,7 milyar seviyesine y\u00fckseldi, pazar pay\u0131 y\u00fczde 16,4’e ula\u015ft\u0131. Bu ba\u015far\u0131n\u0131n, \u00fccret getirisi sa\u011flayan m\u00fc\u015fteri taban\u0131ndaki b\u00fcy\u00fcmeye ve \u00e7apraz sat\u0131\u015f stratejisinden kaynakland\u0131\u011f\u0131 \u00f6ng\u00f6r\u00fcld\u00fc.<\/p>\n Akbank, 2025 y\u0131l\u0131 i\u00e7in TL kredi b\u00fcy\u00fcmesinde y\u00fczde 30\u2019un \u00fczerinde, d\u00f6viz kredilerinde ise \u00e7ift haneli y\u00fcksek oranlarda art\u0131\u015f hedefledi. Banka swap d\u00fczeltilmi\u015f net faiz marj\u0131n\u0131n y\u00fczde 5 seviyesine ula\u015fmas\u0131 planlarken, net \u00fccret ve komisyon gelirlerinde y\u00fczde 40 b\u00fcy\u00fcme \u00f6ng\u00f6rd\u00fc. Takipteki alacak oran\u0131n\u0131n y\u00fczde 3,5 seviyesinde tutulmas\u0131 ve \u00f6zsermaye k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131n y\u00fczde 30\u2019un \u00fczerinde tutulmas\u0131 hedefleniyor.<\/p>\n Akbank, 2025 y\u0131l\u0131na kadar toplamda 5 milyon yeni m\u00fc\u015fteri kazan\u0131m\u0131 ve dijital m\u00fc\u015fteri taban\u0131nda 1,3 milyonluk ek art\u0131\u015f hedefliyor. T\u00fcketici kredilerinde 490 baz puan, KOB\u0130 kredilerinde ise 250 baz puanl\u0131k toplam pazar pay\u0131 art\u0131\u015f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcrken, TL talep mevduatlar\u0131nda 310 baz puanl\u0131k b\u00fcy\u00fcme ile d\u00fc\u015f\u00fck maliyetli fonlama yaratmay\u0131 ama\u00e7l\u0131yor.<\/p>\n<\/div>\n<\/p>\n <\/p>\n Kaynak :\u00a0https:\/\/www.bloomberght.com\/akbank-tan-2024-un-son-ceyreginde-9-2-milyar-tl-net-kr-3740493<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Akbank 2024 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finde beklentilerin bir miktar \u00fczerinde 9,2 milyar TL k\u00e2r a\u00e7\u0131klad\u0131.<\/p>\n","protected":false},"author":1,"featured_media":25481,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[223,329,296,234,330],"manset":[],"class_list":["post-25480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-artis","tag-baz","tag-kar","tag-net","tag-yuzde-2"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25480","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=25480"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25480\/revisions"}],"predecessor-version":[{"id":25482,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/25480\/revisions\/25482"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/25481"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=25480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=25480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=25480"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=25480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}