T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 2025 mali y\u0131l\u0131n\u0131 dikkat \u00e7ekici finansal ba\u015far\u0131larla tamamlad\u0131\u011f\u0131n\u0131 duyurdu. Bankan\u0131n 31 Aral\u0131k 2025 itibar\u0131yla konsolide finansal tablolar\u0131na g\u00f6re, net k\u00e2r\u0131 111 milyar 262 milyon TL olarak ger\u00e7ekle\u015fti. Bu g\u00fc\u00e7l\u00fc performansla birlikte, aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 4 trilyon 547 milyar TL’ye ula\u015f\u0131rken, Garanti BBVA’n\u0131n T\u00fcrk ekonomisine nakdi ve gayri nakdi kredilerle sa\u011flad\u0131\u011f\u0131 toplam destek 3 trilyon 489 milyar TL’yi a\u015ft\u0131.<\/p>\n
Bankan\u0131n fonlama yap\u0131s\u0131nda m\u00fc\u015fteri mevduatlar\u0131, %69.1’lik oranla ana kaynak olmay\u0131 s\u00fcrd\u00fcrd\u00fc. M\u00fc\u015fteri mevduat taban\u0131, y\u0131ll\u0131k bazda %50’lik kayda de\u011fer bir b\u00fcy\u00fcmeyle 3 trilyon 143 milyar TL seviyesine y\u00fckseldi. Finansal sa\u011flaml\u0131\u011f\u0131n\u0131 koruyan Garanti BBVA’n\u0131n sermaye yeterlilik oran\u0131 %17.5, \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 %29.1 ve aktif k\u00e2rl\u0131l\u0131\u011f\u0131 ise %2.9 olarak kay\u0131tlara ge\u00e7ti.<\/p>\n
Garanti BBVA Genel M\u00fcd\u00fcr\u00fc Mahmut Akten, 2025 y\u0131l\u0131n\u0131 de\u011ferlendirirken, k\u00fcresel ve yerel ekonomideki dezenflasyon hedefleriyle uyumlu bir normalle\u015fme s\u00fcrecine i\u015faret etti. Akten, \u201c2025, para politikas\u0131nda kademeli normalle\u015fmenin ve bankac\u0131l\u0131k sekt\u00f6r\u00fcnde g\u00fc\u00e7l\u00fc bir stratejik duru\u015fun gerektirdi\u011fi bir d\u00f6nem oldu. Ekonomi y\u00f6netiminin kararl\u0131 ad\u0131mlar\u0131 sayesinde enflasyonla m\u00fccadelede somut ilerlemeler kaydedildi ve para politikas\u0131 ad\u0131mlar\u0131 kontroll\u00fc bir \u00e7er\u00e7evede \u015fekillendi\u201d dedi.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn bu s\u00fcre\u00e7te ekonomideki dengelenmenin etkilerini hissetti\u011fini belirten Akten, \u00f6zellikle TL mevduat d\u00fczenlemelerinin, politika faizinin \u00fczerinde seyreden mevduat maliyetlerini bankalar\u0131n bilan\u00e7o y\u00f6netiminde kritik bir unsur haline getirdi\u011fini vurgulad\u0131. Kredi b\u00fcy\u00fcmesinin ise reg\u00fclasyonlar dahilinde kald\u0131\u011f\u0131n\u0131 ekledi.<\/p>\n
Garanti BBVA\u2019n\u0131n bu zorlu d\u00f6nemde dahi etkin y\u00f6netim ve g\u00fc\u00e7l\u00fc bilan\u00e7o yap\u0131s\u0131yla istikrarl\u0131 performans\u0131n\u0131 s\u00fcrd\u00fcrd\u00fc\u011f\u00fcn\u00fc ifade eden Mahmut Akten, konsolide aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 4,5 trilyon TL\u2019yi, TL kredi b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn ise 1,7 trilyon TL\u2019yi a\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Akten, \u201cTL kredilerdeki geleneksel liderli\u011fimizi, pazar pay\u0131 art\u0131\u015f\u0131yla daha da peki\u015ftirdik. Bireysel ve t\u00fczel portf\u00f6y dengemizi titizlikle korurken, bireysel kredi hacminde a\u00e7\u0131k ara liderli\u011fimizi s\u00fcrd\u00fcrd\u00fck. Reel sekt\u00f6r\u00fcn en b\u00fcy\u00fck destek\u00e7isi olarak, TL t\u00fczel nakdi ve gayri nakdi kredilerde \u00f6zel bankalar aras\u0131nda \u00f6nc\u00fc rol\u00fcm\u00fcz\u00fc koruduk\u201d \u015feklinde konu\u015ftu. \u00d6deme sistemlerinin stratejik \u00f6nemini vurgulayan Akten, m\u00fc\u015fteri kaynakl\u0131 ve tabana yayg\u0131n fonlama yap\u0131lar\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir bilan\u00e7o y\u00f6netimine katk\u0131s\u0131n\u0131 dile getirdi. Toplam m\u00fc\u015fteri mevduat\u0131n\u0131n 3 trilyon TL\u2019yi ge\u00e7ti\u011fini ve di\u011fer fonlama kaynaklar\u0131n\u0131 \u00e7e\u015fitlendirdiklerini belirtti. Ayr\u0131ca, 2025\u2019te tamamlanan iki yeni i\u015flemle birlikte son iki y\u0131lda toplam 2,45 milyar ABD dolar\u0131 tutar\u0131nda sermaye benzeri tahvil ihrac\u0131 ger\u00e7ekle\u015ftirerek, sermaye yap\u0131s\u0131n\u0131 g\u00fc\u00e7lendiren \u00f6nemli bir finansal temel olu\u015fturduklar\u0131n\u0131n alt\u0131n\u0131 \u00e7izdi.<\/p>\n
Akten, Garanti BBVA\u2019n\u0131n m\u00fc\u015fteri odakl\u0131 stratejisine ve dijitalle\u015fme vizyonuna da \u00f6zel bir vurgu yapt\u0131. \u201c2025 y\u0131l\u0131nda \u2018Radikal M\u00fc\u015fteri Perspektifi\u2019mizle t\u00fcm s\u00fcre\u00e7lerimizi m\u00fc\u015fterilerimizin bak\u0131\u015f a\u00e7\u0131s\u0131ndan yeniden tasarlamaya devam ettik. Bu yakla\u015f\u0131m\u0131m\u0131z sayesinde BBVA Grubu i\u00e7erisinde T\u00fcrkiye, dijitalle\u015fme ve m\u00fc\u015fteri deneyimi alan\u0131nda \u00f6rnek \u00fclke konumuna y\u00fckseldi. Bu, insan odakl\u0131 \u00e7abalar\u0131m\u0131z\u0131n k\u00fcresel \u00f6l\u00e7ekte takdir edildi\u011finin g\u00fc\u00e7l\u00fc bir g\u00f6stergesidir\u201d ifadelerini kulland\u0131.<\/p>\n
Yapay zek\u00e2n\u0131n bu d\u00f6n\u00fc\u015f\u00fcmdeki kritik rol\u00fcn\u00fc de a\u00e7\u0131klayan Akten, \u00fcretken yapay zek\u00e2y\u0131 hizmetlerinin merkezine entegre ederek sezgisel ve empatik bir bankac\u0131l\u0131k deneyimi sunduklar\u0131n\u0131 belirtti. 2025\u2019te \u00fcretken yapay zek\u00e2 ile yeniden tasarlanan yeni nesil dijital asistanlar\u0131 UG\u0130\u2019nin, son bir y\u0131lda 73 milyonu a\u015fk\u0131n sohbet ger\u00e7ekle\u015ftirerek 8 milyondan fazla m\u00fc\u015fteriye destek sa\u011flad\u0131\u011f\u0131n\u0131 duyurdu. Bu ba\u015far\u0131lar, World Finance Digital Banking Awards 2025\u2019te T\u00fcrkiye\u2019nin \u2018Bireysel Bankac\u0131l\u0131kta En \u0130yi Dijital Banka\u2019 ve \u2018En \u0130yi Mobil Bankac\u0131l\u0131k Uygulamas\u0131\u2019 \u00f6d\u00fcllerini kazanmas\u0131yla ta\u00e7land\u0131r\u0131ld\u0131. Akten, bu \u00f6d\u00fclleri, dijital bankac\u0131l\u0131\u011f\u0131 sadece teknolojik bir yat\u0131r\u0131m olarak de\u011fil, m\u00fc\u015fteri ya\u015fam\u0131n\u0131 kolayla\u015ft\u0131ran b\u00fct\u00fcnsel bir deneyim olarak ele almalar\u0131n\u0131n bir sonucu olarak g\u00f6rd\u00fcklerini s\u00f6zlerine ekledi.<\/p>\n
Mahmut Akten, s\u00fcrd\u00fcr\u00fclebilirlik alan\u0131ndaki stratejik ad\u0131mlar\u0131n alt\u0131n\u0131 \u00e7izerek, \u201cS\u00fcrd\u00fcr\u00fclebilir finansman\u0131 i\u015f modelimizin merkezine yerle\u015ftirerek, 2025\u2019te \u00e7evresel ve toplumsal fayda odakl\u0131 projelere destek vermeye devam ettik. Mavi ve ye\u015fil finansman alan\u0131ndaki \u00f6nc\u00fc rol\u00fcm\u00fcz\u00fc yeni \u00fcr\u00fcnlerle g\u00fc\u00e7lendirirken, T\u00fcrkiye\u2019nin ilk Biyo\u00e7e\u015fitlilik ve Mavi Temal\u0131 Tahvil ihrac\u0131n\u0131 ger\u00e7ekle\u015ftirerek sekt\u00f6rde yeni bir \u00e7\u0131\u011f\u0131r a\u00e7t\u0131k. Uluslararas\u0131 piyasalardan farkl\u0131 vadelerde S\u00fcrd\u00fcr\u00fclebilir Bor\u00e7 Finansman\u0131 \u00c7er\u00e7evesiyle uyumlu sendikasyon kredisi temin ettik. Ayr\u0131ca, Antalya\u2013Alanya Otoyolu Projesi i\u00e7in 1,7 milyar EUR\u2019luk finansmanda \u2018S\u00fcrd\u00fcr\u00fclebilirlik Koordinat\u00f6r\u00fc\u2019 olarak g\u00f6rev alarak, T\u00fcrkiye\u2019deki en b\u00fcy\u00fck s\u00fcrd\u00fcr\u00fclebilirlikle ba\u011flant\u0131l\u0131 kurumsal kredi i\u015flemlerinden birine imza att\u0131k\u201d ifadelerini kulland\u0131.<\/p>\n
S\u00f6zlerini sonland\u0131r\u0131rken Akten, 2025 y\u0131l\u0131n\u0131n Garanti BBVA i\u00e7in sadece finansal ba\u015far\u0131larla de\u011fil, ayn\u0131 zamanda vizyonlar\u0131n\u0131 hayata ge\u00e7irme noktas\u0131nda stratejik ve k\u00fclt\u00fcrel bir derinlik kazand\u0131\u011f\u0131 bir y\u0131l oldu\u011funu belirtti. \u201cM\u00fc\u015fteriyle birlikte b\u00fcy\u00fcmeyi esas alan i\u015f modelimiz, sa\u011flam sermaye yap\u0131m\u0131z ve uzun vadeli de\u011fer yaratma odakl\u0131 yakla\u015f\u0131m\u0131m\u0131zla sekt\u00f6rdeki lider konumumuzu sa\u011flamla\u015ft\u0131rd\u0131k. Bu \u00f6nemli ba\u015far\u0131da eme\u011fi ge\u00e7en t\u00fcm \u00e7al\u0131\u015fma arkada\u015flar\u0131ma ve bize g\u00fcven duyan de\u011ferli payda\u015flar\u0131m\u0131za \u015f\u00fckranlar\u0131m\u0131 sunuyorum\u201d diyerek konu\u015fmas\u0131n\u0131 tamamlad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 2025 mali y\u0131l\u0131n\u0131 dikkat \u00e7ekici finansal ba\u015far\u0131larla tamamlad\u0131\u011f\u0131n\u0131 duyurdu. Bankan\u0131n 31 Aral\u0131k 2025 itibar\u0131yla konsolide finansal tablolar\u0131na g\u00f6re, net k\u00e2r\u0131 111 milyar 262 milyon TL olarak ger\u00e7ekle\u015fti. Bu g\u00fc\u00e7l\u00fc performansla birlikte, aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 4 trilyon 547 milyar TL’ye ula\u015f\u0131rken, Garanti BBVA’n\u0131n T\u00fcrk ekonomisine nakdi ve gayri nakdi kredilerle sa\u011flad\u0131\u011f\u0131 toplam destek […]<\/p>\n","protected":false},"author":0,"featured_media":1319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1318","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/comments?post=1318"}],"version-history":[{"count":1,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1318\/revisions"}],"predecessor-version":[{"id":1320,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1318\/revisions\/1320"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/media\/1319"}],"wp:attachment":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/media?parent=1318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/categories?post=1318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/tags?post=1318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}