{"id":1212,"date":"2026-02-16T21:04:48","date_gmt":"2026-02-16T18:04:48","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=1212"},"modified":"2026-02-17T03:51:18","modified_gmt":"2026-02-17T00:51:18","slug":"%f0%9f%94%b4%f0%9f%87%b9%f0%9f%87%b7-dstkf-destek-finans-faktoring-2025-12-faaliyet-raporu-analizi","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/1212","title":{"rendered":"\ud83d\udd34\ud83c\uddf9\ud83c\uddf7 #DSTKF | Destek Finans Faktoring 2025\/12 Faaliyet Raporu Analizi &#8211; Destek Finans\u0131n Halka Arz \u00d6ncesi Finansal R\u00f6ntgeni"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/creators.spotify.com\/pod\/profile\/market-risk-tr\/embed\/episodes\/DSTKF--Destek-Finans-Faktoring-202512-Faaliyet-Raporu-Analizi---Destek-Finansn-Halka-Arz-ncesi-Finansal-Rntgeni-e3f64sr\/a-acfphu0\" width=\"400px\" height=\"102px\" frameborder=\"0\" scrolling=\"no\"><\/iframe><br \/>\n<em><strong>2025 Y\u0131l\u0131 Finansal Raporu \u00d6nemli Geli\u015fmeleri<\/strong><\/em><br \/>\n\u2022 G\u00fc\u00e7l\u00fc Kar Art\u0131\u015f\u0131 ve Gelirler: \u015eirketin 2025 y\u0131l\u0131 faktoring gelirleri 7.014.794 Bin TL seviyesine ula\u015farak bir \u00f6nceki y\u0131l\u0131n (4.905.602 Bin TL) olduk\u00e7a \u00fczerine \u00e7\u0131km\u0131\u015ft\u0131r. D\u00f6nem net k\u00e2r\u0131 ise 3.765.780 Bin TL olarak ger\u00e7ekle\u015fmi\u015f olup, 2024 y\u0131l\u0131ndaki 2.110.770 Bin TL\u2019lik k\u00e2ra k\u0131yasla \u00f6nemli bir b\u00fcy\u00fcme kaydedilmi\u015ftir.<br \/>\n\u2022 Halka Arz ve Borsa \u0130stanbul S\u00fcreci: \u015eirketin paylar\u0131n\u0131n halka arz i\u015flemleri tamamlanm\u0131\u015f ve paylar 6 \u015eubat 2025 tarihinde Borsa \u0130stanbul A.\u015e.\u2019de i\u015flem g\u00f6rmeye ba\u015flam\u0131\u015ft\u0131r. Bu s\u00fcre\u00e7le birlikte \u015firketin \u00e7\u0131kar\u0131lm\u0131\u015f sermayesi 333.000.000 TL\u2019ye y\u00fckseltilmi\u015ftir.<br \/>\n\u2022 Varl\u0131k Kalitesi ve Risk Y\u00f6netimi: \u015eirketin takipteki alacaklar oran\u0131 (NPL) %0,25 gibi olduk\u00e7a d\u00fc\u015f\u00fck bir seviyede kalarak sekt\u00f6r ortalamas\u0131n\u0131n alt\u0131nda seyretmeye devam etmi\u015ftir. \u015eirketin toplam aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 48.495.615 Bin TL&#8217;ye ula\u015fm\u0131\u015ft\u0131r.<br \/>\n\u2022 Stratejik Yat\u0131r\u0131mlar: Ba\u011fl\u0131 ortakl\u0131k olan Destek Yat\u0131r\u0131m Bankas\u0131 A.\u015e.\u2019nin \u00f6denmi\u015f sermayesi 1.600.000.000 TL\u2019ye art\u0131r\u0131lm\u0131\u015f ve bu tutar\u0131n 1.000.000.000 TL\u2019lik k\u0131sm\u0131 nakden \u00f6denmi\u015ftir.<br \/>\n\u2022 S\u00fcrd\u00fcr\u00fclebilirlik Ad\u0131mlar\u0131: 30 Aral\u0131k 2025 tarihinde \u015firket b\u00fcnyesinde \u00e7evresel, sosyal ve y\u00f6neti\u015fim (ESG) performans\u0131n\u0131 izlemek amac\u0131yla bir S\u00fcrd\u00fcr\u00fclebilirlik Komitesi kurulmu\u015ftur.<br \/>\n\u2022 K\u00e2r Da\u011f\u0131t\u0131m Politikas\u0131: \u015eirketin b\u00fcy\u00fcme hedeflerini desteklemek amac\u0131yla 2025 y\u0131l\u0131 k\u00e2r\u0131n\u0131n da\u011f\u0131t\u0131lmamas\u0131 ve \u015firketin b\u00fcy\u00fcmesine katk\u0131 sa\u011flamak amac\u0131yla kullan\u0131lmas\u0131 \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/pbs.twimg.com\/media\/HBUhvlvbsAAzEHK?format=jpg&amp;name=4096x4096\" width=\"2752\" height=\"1536\" \/><\/p>\n<hr \/>\n<h1>Finans\u0131n Gelece\u011fine Bak\u0131\u015f: Destek Faktoring&#8217;in 2025 Y\u0131l\u0131ndan \u00c7\u0131kar\u0131lan 5 B\u00fcy\u00fck Ders<\/h1>\n<p>2025 y\u0131l\u0131, k\u00fcresel finansal ekosistemin sadece ekonomik dalgalanmalarla de\u011fil, ayn\u0131 zamanda radikal bir \u015feffafl\u0131k ve kurumsalla\u015fma bask\u0131s\u0131yla yeniden \u015fekillendi\u011fi bir milat oldu. Geleneksel finansal ara\u00e7lar\u0131n yerini dinamik, halka a\u00e7\u0131k ve teknoloji odakl\u0131 yap\u0131lara b\u0131rakt\u0131\u011f\u0131 bu d\u00f6nemde, sekt\u00f6r\u00fcn oyuncular\u0131 i\u00e7in &#8220;g\u00fcven&#8221; art\u0131k bir tercihten \u00f6te, en de\u011ferli sermaye haline geldi.<\/p>\n<p>Destek Faktoring\u2019in 2025 Y\u0131l\u0131 Faaliyet Raporu, bir \u015firketin sadece finansal bir arac\u0131 olmaktan \u00e7\u0131k\u0131p, nas\u0131l halka a\u00e7\u0131k bir &#8220;g\u00fc\u00e7 merkezine&#8221; (Public Powerhouse) d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fcn stratejik yol haritas\u0131n\u0131 sunuyor. Bu rapor, b\u00fcy\u00fcmenin tesad\u00fcf de\u011fil, disiplinli bir risk y\u00f6netimi ve do\u011fru zamanlanm\u0131\u015f bir sermaye piyasas\u0131 entegrasyonu sonucu oldu\u011funu kan\u0131tl\u0131yor.<\/p>\n<h2>Borsa \u0130stanbul\u2019a Merhaba: Bir D\u00f6n\u00fcm Noktas\u0131 Olarak Halka Arz<\/h2>\n<p>6 \u015eubat 2025 tarihi, Destek Faktoring i\u00e7in sadece bir i\u015flem g\u00fcn\u00fc de\u011fil, kurumsal kimli\u011fin evrimle\u015fti\u011fi bir d\u00f6n\u00fcm noktas\u0131yd\u0131. \u015eirket paylar\u0131n\u0131n Borsa \u0130stanbul\u2019da i\u015flem g\u00f6rmeye ba\u015flamas\u0131, finansman kaynaklar\u0131n\u0131n \u00e7e\u015fitlendirilmesinin \u00f6tesinde, \u015firketin fonlama maliyetlerini optimize eden ve piyasa alg\u0131s\u0131n\u0131 &#8220;\u015feffafl\u0131k&#8221; zeminine oturtan stratejik bir hamleydi.<\/p>\n<p>Bu s\u00fcre\u00e7te \u00e7\u0131kar\u0131lm\u0131\u015f sermayenin 250 milyon TL\u2019den 333,3 milyon TL\u2019ye y\u00fckseltilmesi, \u015firketin \u00f6zkaynak taban\u0131n\u0131 sars\u0131lmaz bir yap\u0131ya kavu\u015fturdu. Bu ge\u00e7i\u015f, yat\u0131r\u0131mc\u0131ya verilen bir &#8220;hesap verebilirlik&#8221; s\u00f6z\u00fcd\u00fcr. Ba\u011f\u0131ms\u0131z denet\u00e7i raporunda yer alan \u015fu ifadeler, bu kurumsal s\u00f6z\u00fcn do\u011frulu\u011funu m\u00fch\u00fcrlemektedir:<\/p>\n<p>&#8220;G\u00f6r\u00fc\u015f\u00fcm\u00fcze g\u00f6re, y\u00f6netim kurulunun y\u0131ll\u0131k faaliyet raporunda yer alan konsolide finansal bilgiler ile Y\u00f6netim Kurulunun Grup\u2019un durumu hakk\u0131nda denetlenen konsolide finansal tablolarda yer alan bilgileri kullanarak yapt\u0131\u011f\u0131 irdelemeler, t\u00fcm \u00f6nemli y\u00f6nleriyle, denetlenen tam set konsolide finansal tablolarla ve ba\u011f\u0131ms\u0131z denetim s\u0131ras\u0131nda elde etti\u011fimiz bilgilerle tutarl\u0131d\u0131r ve ger\u00e7e\u011fi yans\u0131tmaktad\u0131r.&#8221;<\/p>\n<h2>Rakamlar\u0131n G\u00fcc\u00fc: Gelir ve K\u00e2rl\u0131l\u0131kta Ola\u011fan\u00fcst\u00fc S\u0131\u00e7rama<\/h2>\n<p>2025 y\u0131l\u0131 finansal sonu\u00e7lar\u0131, stratejik bir analist g\u00f6z\u00fcyle bak\u0131ld\u0131\u011f\u0131nda &#8220;sa\u011fl\u0131kl\u0131 b\u00fcy\u00fcme&#8221; tan\u0131m\u0131n\u0131n kar\u015f\u0131l\u0131\u011f\u0131d\u0131r. \u015eirket, gelir ve k\u00e2r kalemlerinde sekt\u00f6r\u00fcn g\u0131pta edece\u011fi bir ivme yakalam\u0131\u015ft\u0131r:<\/p>\n<ul>\n<li><b>Faktoring Gelirleri:<\/b> 4,9 milyar TL\u2019den <b>7 milyar TL<\/b> seviyesine ula\u015ft\u0131.<\/li>\n<li><b>D\u00f6nem Net K\u00e2r\u0131:<\/b> 2,1 milyar TL\u2019den <b>3,7 milyar TL<\/b>\u2019ye f\u0131rlad\u0131.<\/li>\n<li><b>Konsolide \u00d6zkaynak:<\/b> <b>12,2 milyar TL<\/b> ile finansal dayan\u0131kl\u0131l\u0131\u011f\u0131n zirvesini temsil etti.<\/li>\n<\/ul>\n<p>Bu ola\u011fan\u00fcst\u00fc s\u0131\u00e7raman\u0131n arkas\u0131ndaki temel itici g\u00fc\u00e7, sadece pazar geni\u015flemesi de\u011fil, <b>Destek Yat\u0131r\u0131m Bankas\u0131 A.\u015e.<\/b> ile kurulan stratejik sinerjidir. Grup yap\u0131s\u0131n\u0131n sundu\u011fu bu ekosistem, operasyonel verimlili\u011fi maksimize ederek gelir art\u0131\u015f\u0131n\u0131 s\u00fcrd\u00fcr\u00fclebilir bir zemine ta\u015f\u0131m\u0131\u015ft\u0131r.<\/p>\n<h2>Risk Y\u00f6netiminde Hassasiyet: Sekt\u00f6r\u00fcn \u00c7ok Alt\u0131nda Bir NPL Ba\u015far\u0131s\u0131<\/h2>\n<p>Faktoring sekt\u00f6r\u00fc i\u00e7in risk, y\u00f6netilmesi gereken en b\u00fcy\u00fck maliyettir. Destek Faktoring, 2025 y\u0131l\u0131 sonunda Takipteki Alacaklar Oran\u0131&#8217;n\u0131 (NPL) <b>%0,25<\/b> seviyesinde tutarak, raporun da vurgulad\u0131\u011f\u0131 \u00fczere &#8220;sekt\u00f6r ortalamalar\u0131n\u0131n olduk\u00e7a alt\u0131nda&#8221; kalmay\u0131 ba\u015farm\u0131\u015ft\u0131r. Bu d\u00fc\u015f\u00fck oran, \u015firketin bir &#8220;g\u00fcven sembol\u00fc&#8221; olarak konumlanmas\u0131n\u0131 sa\u011flamaktad\u0131r.<\/p>\n<p>Kredi Komitesi&#8217;nin disiplinli \u00e7al\u0131\u015fmalar\u0131yla \u015fekillenen bu ba\u015far\u0131n\u0131n \u00fc\u00e7 temel s\u00fctunu \u015funlard\u0131r:<\/p>\n<ul>\n<li><b>Titiz \u0130stihbarat:<\/b> M\u00fc\u015fteri bazl\u0131 limit \u00e7al\u0131\u015fmalar\u0131 ve dinamik risk izleme.<\/li>\n<li><b>\u00c7ok Katmanl\u0131 Denetim:<\/b> Fatura ve alacak temliki s\u00fcre\u00e7lerinde uygulanan kat\u0131 kontrol mekanizmalar\u0131.<\/li>\n<li><b>Dinamik Kredi Politikalar\u0131:<\/b> Piyasa konjonkt\u00fcr\u00fcne anl\u0131k uyum sa\u011flayan limit g\u00fcncellemeleri.<\/li>\n<\/ul>\n<h2>S\u00fcrd\u00fcr\u00fclebilirlik ve Toplumsal Katk\u0131: De\u011fer Yaratan Finans<\/h2>\n<p>Destek Faktoring, 2025 y\u0131l\u0131nda finansal ba\u015far\u0131y\u0131 toplumsal fayda ile dengeleyen bir ESG (\u00c7evresel, Sosyal ve Y\u00f6neti\u015fim) perspektifi benimsedi. 30 Aral\u0131k 2025\u2019te kurulan <b>S\u00fcrd\u00fcr\u00fclebilirlik Komitesi<\/b>, 2026\u2019da yay\u0131nlanacak ilk s\u00fcrd\u00fcr\u00fclebilirlik raporunun ve uzun vadeli yat\u0131r\u0131mc\u0131 stratejisinin temelini att\u0131.<\/p>\n<p>\u015eirket, sosyal sorumluluk vizyonu kapsam\u0131nda y\u0131l genelinde toplam <b>337.335,25 TL<\/b> tutar\u0131nda ba\u011f\u0131\u015f ger\u00e7ekle\u015ftirmi\u015ftir. Bu \u015feffaf tablonun merkezinde, <b>170.945,25 TL<\/b> ile en b\u00fcy\u00fck deste\u011fi alan <b>Yar\u0131n \u0130\u00e7in Bug\u00fcn Derne\u011fi<\/b> yer almaktad\u0131r. Ba\u011f\u0131\u015f yap\u0131lan di\u011fer kurumlar \u015funlard\u0131r:<\/p>\n<ul>\n<li>T\u00fcrk E\u011fitim Vakf\u0131<\/li>\n<li>Tema Vakf\u0131<\/li>\n<li>T\u00fcrk E\u011fitim Derne\u011fi<\/li>\n<li>\u015ei\u015fli ve \u0130stanbul Polis Hizmetleri Geli\u015ftirme Dernekleri<\/li>\n<\/ul>\n<h2>Dijitalle\u015fme ve Ar-Ge: Gelece\u011fin Finansal Altyap\u0131s\u0131<\/h2>\n<p>2025 y\u0131l\u0131nda teknoloji yat\u0131r\u0131mlar\u0131, sadece bir &#8220;modenizasyon&#8221; de\u011fil, operasyonel h\u0131z\u0131 ve reg\u00fclasyona uyumu art\u0131ran stratejik bir zorunluluk olarak g\u00f6r\u00fcld\u00fc. \u015eirket, mevcut \u00fcr\u00fcnlerin dijital kanallar \u00fczerinden geli\u015ftirilmesine odaklan\u0131rken, ba\u011fl\u0131 ortakl\u0131\u011f\u0131 Destek Yat\u0131r\u0131m Bankas\u0131 A.\u015e.\u2019nin sermayesini 1,6 milyar TL\u2019ye y\u00fckselterek (bu tutar\u0131n 1 milyar TL\u2019si nakden \u00f6denmi\u015ftir) finansal teknoloji ve bankac\u0131l\u0131k sinerjisini g\u00fc\u00e7lendirmi\u015ftir. Bu hamle, faktoring s\u00fcre\u00e7lerinin dijitalle\u015fmesi ve yeni nesil finansal \u00fcr\u00fcnlerin piyasaya s\u00fcr\u00fclmesi i\u00e7in gerekli olan devasa sermaye g\u00fcc\u00fcn\u00fc temsil etmektedir.<\/p>\n<h2>Sonu\u00e7: Gelece\u011fe Dair Provokatif Bir Soru<\/h2>\n<p>Destek Faktoring\u2019in 2025 y\u0131l\u0131 performans\u0131; halka arzla per\u00e7inlenen \u015feffafl\u0131\u011f\u0131n, grup sinerjisinden do\u011fan g\u00fcc\u00fcn ve %0,25 gibi d\u00fc\u015f\u00fck bir risk oran\u0131n\u0131n birle\u015fti\u011finde nas\u0131l bir ba\u015far\u0131 hikayesine d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor. \u015eirket, sekt\u00f6r i\u00e7in sadece bir &#8220;oyuncu&#8221; de\u011fil, bir &#8220;standart belirleyici&#8221; haline gelmi\u015f durumda.<\/p>\n<p>Ancak as\u0131l mesele \u015fu: \u015eeffafl\u0131\u011f\u0131n yeni k\u00fcresel para birimi oldu\u011fu bir \u00e7a\u011fda, Destek Faktoring&#8217;in sergiledi\u011fi bu &#8220;Kamu G\u00fcc\u00fc&#8221; (Public Powerhouse) d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fc ger\u00e7ekle\u015ftiremeyen geleneksel finans yap\u0131lar\u0131n\u0131n hayatta kalma \u015fans\u0131 nedir?<\/p>\n<p>&nbsp;<\/p>\n<h1><span style=\"color: #0000ff;\">Destek Finans Faktoring A.\u015e. 2025 Y\u0131l\u0131 Faaliyet Raporu Bilgilendirme Notu<\/span><\/h1>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>Destek Finans Faktoring A.\u015e.&#8217;nin 2025 y\u0131l\u0131 faaliyet d\u00f6nemi, \u015firketin kurumsalla\u015fma ve b\u00fcy\u00fcme stratejileri a\u00e7\u0131s\u0131ndan d\u00f6n\u00fcm noktas\u0131 niteli\u011finde bir y\u0131l olmu\u015ftur. Y\u0131l\u0131n en kritik geli\u015fmesi, \u015firketin paylar\u0131n\u0131n halka arz edilerek 6 \u015eubat 2025 tarihi itibar\u0131yla Borsa \u0130stanbul A.\u015e.\u2019de i\u015flem g\u00f6rmeye ba\u015flamas\u0131d\u0131r. Bu s\u00fcre\u00e7le birlikte \u015firketin \u00e7\u0131kar\u0131lm\u0131\u015f sermayesi 250.000.000 TL&#8217;den 333.333.333 TL&#8217;ye y\u00fckseltilmi\u015ftir.<\/p>\n<p>Finansal a\u00e7\u0131dan bak\u0131ld\u0131\u011f\u0131nda, \u015firket 2025 y\u0131l\u0131nda 7,01 milyar TL faktoring geliri elde ederek, bir \u00f6nceki y\u0131la g\u00f6re gelirlerini %43 oran\u0131nda art\u0131rm\u0131\u015ft\u0131r. D\u00f6nem net k\u00e2r\u0131 ise 3,76 milyar TL olarak ger\u00e7ekle\u015fmi\u015ftir. \u015eirket, %0,25 seviyesindeki d\u00fc\u015f\u00fck Takipteki Alacaklar Oran\u0131 (NPL) ile risk y\u00f6netimindeki ihtiyatl\u0131 duru\u015funu korumu\u015ftur. G\u00fc\u00e7l\u00fc \u00f6z kaynak yap\u0131s\u0131 ve %25,17&#8217;lik \u00f6z kaynak\/toplam y\u00fck\u00fcml\u00fcl\u00fck oran\u0131 ile sekt\u00f6rdeki konumunu peki\u015ftiren \u015firket, s\u00fcrd\u00fcr\u00fclebilirlik ilkelerine uyum kapsam\u0131nda 2025 y\u0131l sonunda &#8220;S\u00fcrd\u00fcr\u00fclebilirlik Komitesi&#8221;ni hayata ge\u00e7irmi\u015ftir.<\/p>\n<h2>1. Kurumsal Profil ve Operasyonel \u00c7er\u00e7eve<\/h2>\n<h3>\u015eirket Bilgileri<\/h3>\n<p>Destek Finans Faktoring A.\u015e., \u0130stanbul \u015ei\u015fli merkezli olarak faaliyetlerini s\u00fcrd\u00fcrmektedir. \u015eirket, 31 Aral\u0131k 2025 tarihi itibar\u0131yla T\u00fcrkiye&#8217;de BDDK verilerine g\u00f6re faaliyet g\u00f6steren 49 faktoring \u015firketinden biridir. \u015eirketin herhangi bir \u015fubesi bulunmamaktad\u0131r.<\/p>\n<h3>Sekt\u00f6rel Ba\u011flam<\/h3>\n<p>Faktoring i\u015flemleri, mal ve hizmet sat\u0131\u015flar\u0131ndan do\u011fan vadeli alacaklar\u0131n temliki yoluyla finansman, garanti ve tahsilat hizmetlerini kapsamaktad\u0131r. T\u00fcrkiye&#8217;de bu faaliyetler 6362 say\u0131l\u0131 Sermaye Piyasas\u0131 Kanunu ve ilgili y\u00f6netmelikler \u00e7er\u00e7evesinde BDDK denetiminde y\u00fcr\u00fct\u00fclmektedir.<\/p>\n<h2>2. Sermaye Yap\u0131s\u0131 ve Halka Arz<\/h2>\n<p>2025 y\u0131l\u0131 i\u00e7erisinde ger\u00e7ekle\u015ftirilen sermaye art\u0131r\u0131m\u0131 ve halka arz i\u015flemleri sonucunda \u015firketin ortakl\u0131k yap\u0131s\u0131 \u015fu \u015fekilde \u015fekillenmi\u015ftir:<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Pay Sahibinin Ad\u0131\/Unvan\u0131<\/td>\n<td>Hisse Adedi<\/td>\n<td>Sermaye Tutar\u0131 (TL)<\/td>\n<\/tr>\n<tr>\n<td>Destek Holding A.\u015e.<\/td>\n<td>250.000.000<\/td>\n<td>250.000.000<\/td>\n<\/tr>\n<tr>\n<td>Di\u011fer (Halka A\u00e7\u0131k K\u0131s\u0131m Dahil)<\/td>\n<td>57.972.767<\/td>\n<td>57.972.767<\/td>\n<\/tr>\n<tr>\n<td>Tera Portf\u00f6y Para Piyasas\u0131 (TL) Fonu<\/td>\n<td>25.060.566<\/td>\n<td>25.360.566<\/td>\n<\/tr>\n<tr>\n<td><b>TOPLAM<\/b><\/td>\n<td><b>333.333.333<\/b><\/td>\n<td><b>333.333.000<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Not:<\/b> Halka arz s\u00fcreci 6 \u015eubat 2025&#8217;te tamamlanm\u0131\u015f olup, elde edilen fonlar izahnamede belirtilen kullan\u0131m yerlerine uygun \u015fekilde de\u011ferlendirilmi\u015ftir.<\/p>\n<h2>3. Y\u00f6netim Yap\u0131s\u0131 ve Kurumsal Y\u00f6netim<\/h2>\n<h3>Y\u00f6netim Kurulu<\/h3>\n<p>\u015eirket, alt\u0131 \u00fcyeden olu\u015fan yetkin bir y\u00f6netim kurulu taraf\u0131ndan sevk ve idare edilmektedir. Y\u00f6netim Kurulu \u00fcyeleri 2 Ekim 2027 tarihine kadar g\u00f6rev yapmak \u00fczere se\u00e7ilmi\u015ftir.<\/p>\n<ul>\n<li><b>Altun\u00e7 Kumova:<\/b> Y\u00f6netim Kurulu Ba\u015fkan\u0131 (\u0130crada g\u00f6revli de\u011fil)<\/li>\n<li><b>\u00d6zg\u00fcr Akayo\u011flu:<\/b> Y\u00f6netim Kurulu \u00dcyesi (\u0130crada g\u00f6revli de\u011fil)<\/li>\n<li><b>Kerim Tosun:<\/b> Y\u00f6netim Kurulu \u00dcyesi (\u0130crada g\u00f6revli de\u011fil)<\/li>\n<li><b>Nuray Elmasta\u015f:<\/b> Y\u00f6netim Kurulu \u00dcyesi ve Genel M\u00fcd\u00fcr (\u0130crada g\u00f6revli)<\/li>\n<li><b>Azize Binnur Tosun:<\/b> Ba\u011f\u0131ms\u0131z Y\u00f6netim Kurulu \u00dcyesi<\/li>\n<li><b>Orhan Aks\u00fct:<\/b> Ba\u011f\u0131ms\u0131z Y\u00f6netim Kurulu \u00dcyesi<\/li>\n<\/ul>\n<h3>Komiteler<\/h3>\n<p>Kurumsal y\u00f6netim ilkeleri uyar\u0131nca olu\u015fturulan komiteler \u015funlard\u0131r:<\/p>\n<ul>\n<li><b>Kurumsal Y\u00f6netim Komitesi:<\/b> Ba\u015fkan Orhan Aks\u00fct.<\/li>\n<li><b>Denetim Komitesi:<\/b> Ba\u015fkan Azize Binnur Tosun.<\/li>\n<li><b>Riskin Erken Saptanmas\u0131 Komitesi:<\/b> Ba\u015fkan Orhan Aks\u00fct.<\/li>\n<li><b>S\u00fcrd\u00fcr\u00fclebilirlik Komitesi:<\/b> 30 Aral\u0131k 2025 tarihinde kurulmu\u015ftur; Genel M\u00fcd\u00fcr Nuray Elmasta\u015f ba\u015fkanl\u0131k etmektedir.<\/li>\n<\/ul>\n<h2>4. Finansal Performans Analizi<\/h2>\n<p>\u015eirket, 2025 y\u0131l\u0131nda b\u00fcy\u00fcme ivmesini s\u00fcrd\u00fcrm\u00fc\u015f ve karl\u0131l\u0131k hedeflerine ula\u015fm\u0131\u015ft\u0131r.<\/p>\n<h3>Temel Finansal G\u00f6stergeler (Bin TL)<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>G\u00f6sterge<\/td>\n<td>2024 (01.01 &#8211; 31.12)<\/td>\n<td>2025 (01.01 &#8211; 31.12)<\/td>\n<td>De\u011fi\u015fim (%)<\/td>\n<\/tr>\n<tr>\n<td>Faktoring Gelirleri<\/td>\n<td>4.905.602<\/td>\n<td>7.014.794<\/td>\n<td>+42,9%<\/td>\n<\/tr>\n<tr>\n<td>D\u00f6nem Net K\u00e2r\u0131<\/td>\n<td>2.110.770<\/td>\n<td>3.765.780<\/td>\n<td>+78,4%<\/td>\n<\/tr>\n<tr>\n<td>\u00d6z Kaynaklar \/ Toplam Y\u00fck\u00fcml\u00fcl\u00fckler<\/td>\n<td>%19,41<\/td>\n<td>%25,17<\/td>\n<td>+5,76 puan<\/td>\n<\/tr>\n<tr>\n<td>Takipteki Alacaklar Oran\u0131 (NPL)<\/td>\n<td>%0,14<\/td>\n<td>%0,25<\/td>\n<td>+0,11 puan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u0130\u015ftirakler<\/h3>\n<ul>\n<li><b>Destek Yat\u0131r\u0131m Bankas\u0131 A.\u015e.:<\/b> %99,99 do\u011frudan i\u015ftirak pay\u0131.<\/li>\n<li><b>Destek Yat\u0131r\u0131m Menkul De\u011ferler A.\u015e.:<\/b> %99,99 dolayl\u0131 i\u015ftirak pay\u0131.<\/li>\n<\/ul>\n<h2>5. Risk Y\u00f6netimi ve \u0130\u00e7 Kontrol<\/h2>\n<p>\u015eirket, risk y\u00f6netimini stratejik bir \u00f6ncelik olarak ele almaktad\u0131r:<\/p>\n<ul>\n<li><b>Kredi Riski:<\/b> Kredi Komitesi her m\u00fc\u015fteri i\u00e7in ayr\u0131 limit ve kulland\u0131r\u0131m \u015fartlar\u0131 belirlemektedir. 2025 sonu itibar\u0131yla NPL oran\u0131 %0,25 ile sekt\u00f6r ortalamas\u0131n\u0131n olduk\u00e7a alt\u0131ndad\u0131r.<\/li>\n<li><b>Likit Riski:<\/b> Aktif-pasif vade uyumuna dikkat edilmekte ve fonlama kaynaklar\u0131n\u0131n \u00e7e\u015fitlendirilmesi hedeflenmektedir.<\/li>\n<li><b>\u0130\u00e7 Denetim:<\/b> &#8220;Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri Kanunu&#8221; ile uyumlu, ba\u011f\u0131ms\u0131z bir i\u00e7 kontrol b\u00f6l\u00fcm\u00fc faaliyet g\u00f6stermektedir.<\/li>\n<\/ul>\n<h2>6. K\u00e2r Pay\u0131 Da\u011f\u0131t\u0131m Politikas\u0131 ve Sosyal Sorumluluk<\/h2>\n<h3>K\u00e2r Da\u011f\u0131t\u0131m\u0131<\/h3>\n<p>\u015eirketin k\u00e2r da\u011f\u0131t\u0131m politikas\u0131, da\u011f\u0131t\u0131labilir net k\u00e2r\u0131n en az %20&#8217;sinin nakit veya bedelsiz pay olarak da\u011f\u0131t\u0131lmas\u0131n\u0131 hedeflemektedir. Ancak, 2025 Y\u0131l\u0131 Ola\u011fan Genel Kurul Toplant\u0131s\u0131&#8217;nda, \u015firketin b\u00fcy\u00fcme stratejilerini desteklemek ve \u00f6z kaynak yap\u0131s\u0131n\u0131 korumak amac\u0131yla k\u00e2r da\u011f\u0131t\u0131m\u0131 yap\u0131lmamas\u0131 y\u00f6n\u00fcnde karar al\u0131nm\u0131\u015ft\u0131r.<\/p>\n<h3>Sosyal Sorumluluk ve Ba\u011f\u0131\u015flar<\/h3>\n<p>2025 y\u0131l\u0131 i\u00e7erisinde toplam <b>337.335,25 TL<\/b> tutar\u0131nda ba\u011f\u0131\u015f yap\u0131lm\u0131\u015ft\u0131r. Ba\u015fl\u0131ca ba\u011f\u0131\u015f yap\u0131lan kurumlar:<\/p>\n<ul>\n<li>Yar\u0131n \u0130\u00e7in Bug\u00fcn Derne\u011fi: 170.945,25 TL<\/li>\n<li>T\u00fcrk E\u011fitim Vakf\u0131 (TEV): 79.300 TL<\/li>\n<li>\u015ei\u015fli Polis Hizmetleri Geli\u015ftirme Derne\u011fi: 50.000 TL<\/li>\n<li>Tema Vakf\u0131: 29.090 TL<\/li>\n<\/ul>\n<h2>7. \u00d6nemli Hususlar ve Gelecek Beklentileri<\/h2>\n<ul>\n<li><b>Ba\u011f\u0131ms\u0131z Denetim G\u00f6r\u00fc\u015f\u00fc:<\/b> G\u00fcreli Yeminli Mali M\u00fc\u015favirlik taraf\u0131ndan yap\u0131lan denetim sonucunda, \u015firketin finansal tablolar\u0131n\u0131n t\u00fcm \u00f6nemli y\u00f6nleriyle ger\u00e7e\u011fi do\u011fru ve d\u00fcr\u00fcst bir \u015fekilde yans\u0131tt\u0131\u011f\u0131 teyit edilmi\u015ftir (Olumlu G\u00f6r\u00fc\u015f).<\/li>\n<li><b>S\u00fcrd\u00fcr\u00fclebilirlik:<\/b> \u0130lk s\u00fcrd\u00fcr\u00fclebilirlik raporunun, g\u00f6n\u00fcll\u00fcl\u00fck esas\u0131na dayal\u0131 olarak 2026 y\u0131l\u0131 verileriyle 2027 y\u0131l\u0131nda yay\u0131nlanmas\u0131 planlanmaktad\u0131r.<\/li>\n<li><b>Dava ve Hukuki Durum:<\/b> \u015eirket aleyhine a\u00e7\u0131lm\u0131\u015f, mali durumu \u00f6nemli \u00f6l\u00e7\u00fcde etkileyebilecek nitelikte herhangi bir dava bulunmamaktad\u0131r.<\/li>\n<li><b>Personel Yap\u0131s\u0131:<\/b> 31 Aral\u0131k 2025 itibar\u0131yla toplam personel say\u0131s\u0131 222&#8217;dir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ba\u015fl\u0131k: Destek Faktoring 2025 Y\u0131l\u0131nda Rekor B\u00fcy\u00fcme ve Stratejik D\u00f6n\u00fc\u015f\u00fcmle G\u00fc\u00e7lendi<br \/>\n&#8220;Destek Finans Faktoring A.\u015e., 2025 y\u0131l\u0131 faaliyet raporuyla finansal g\u00fcc\u00fcn\u00fc ve sekt\u00f6rdeki \u00f6nc\u00fc konumunu bir kez daha kan\u0131tlad\u0131. Y\u0131la damga vuran Borsa \u0130stanbul halka arz s\u00fcreciyle kurumsalla\u015fma yolunda dev bir ad\u0131m atan \u015firket, net k\u00e2r\u0131n\u0131 bir \u00f6nceki y\u0131la oranla ciddi \u00f6l\u00e7\u00fcde art\u0131rarak 3,7 milyar TL&#8217;nin \u00fczerine ta\u015f\u0131d\u0131. Takipteki alacaklar oran\u0131n\u0131 %0,25 gibi rekor d\u00fc\u015f\u00fck bir seviyede tutmay\u0131 ba\u015faran Destek Faktoring, hem aktif kalitesini korudu hem de Destek Yat\u0131r\u0131m Bankas\u0131 gibi stratejik i\u015ftiraklerine yapt\u0131\u011f\u0131 yat\u0131r\u0131mlarla gelece\u011fe odakland\u0131. S\u00fcrd\u00fcr\u00fclebilirlik Komitesi\u2019nin kurulu\u015fuyla ESG standartlar\u0131n\u0131 da operasyonlar\u0131na dahil eden \u015firketin 2025 yolculu\u011fu, istikrarl\u0131 b\u00fcy\u00fcme ve g\u00fcvenin simgesi oldu.&#8221;.<\/p>\n","protected":false},"author":11,"featured_media":1134,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[251],"tags":[256],"class_list":["post-1212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faaliyetraporuanalizi","tag-dstkf"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/1212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=1212"}],"version-history":[{"count":4,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/1212\/revisions"}],"predecessor-version":[{"id":1253,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/1212\/revisions\/1253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media\/1134"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media?parent=1212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=1212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=1212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}