{"id":2294,"date":"2026-05-02T11:23:03","date_gmt":"2026-05-02T08:23:03","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2294"},"modified":"2026-05-02T11:23:24","modified_gmt":"2026-05-02T08:23:24","slug":"crdfa-2026-03-faaliyet-raporu-analizi-creditwest-faktoring","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2294","title":{"rendered":"\ud83d\udd35 CRDFA 2026-03 Faaliyet Raporu Analizi | Creditwest Faktoring"},"content":{"rendered":"<h1>Creditwest Faktoring A.\u015e. 2026 Birinci \u00c7eyrek Faaliyet ve Strateji De\u011ferlendirmesi<\/h1>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>Bu belge, Creditwest Faktoring A.\u015e.&#8217;nin (&#8220;\u015eirket&#8221;) 01 Ocak \u2013 31 Mart 2026 d\u00f6nemini kapsayan faaliyet raporundan sentezlenen kritik verileri ve stratejik analizleri sunmaktad\u0131r. 1994 y\u0131l\u0131nda kurulan ve 1997&#8217;den beri Borsa \u0130stanbul&#8217;da i\u015flem g\u00f6ren \u015eirket, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde hem finansal b\u00fcy\u00fcme hem de kurumsal y\u00f6netim anlam\u0131nda \u00f6nemli bir ivme yakalam\u0131\u015ft\u0131r.<\/p>\n<p>En dikkat \u00e7ekici geli\u015fmeler aras\u0131nda, \u015eirket sermayesinin %200 oran\u0131nda art\u0131r\u0131larak 100 milyon TL&#8217;den 300 milyon TL&#8217;ye \u00e7\u0131kar\u0131lmas\u0131 ve 16 Nisan 2026 itibar\u0131yla tescil edilmesi yer almaktad\u0131r. Finansal a\u00e7\u0131dan \u015eirket, 2026 y\u0131l\u0131n\u0131n ilk \u00fc\u00e7 ay\u0131nda yakla\u015f\u0131k <b>378,9 milyon TL net d\u00f6nem k\u00e2r\u0131<\/b> elde etmi\u015f ve faktoring alacaklar\u0131n\u0131 2,45 milyar TL seviyesine ta\u015f\u0131m\u0131\u015ft\u0131r. TurkRating taraf\u0131ndan teyit edilen &#8220;TR A+&#8221; uzun vadeli ulusal kredi notu ve &#8220;Pozitif&#8221; g\u00f6r\u00fcn\u00fcm, \u015eirketin finansal istikrar\u0131n\u0131 ve pazar g\u00fcvenilirli\u011fini peki\u015ftirmektedir.<\/p>\n<h2>1. Kurumsal Kimlik ve Stratejik Hedefler<\/h2>\n<p>Creditwest Faktoring A.\u015e., T\u00fcrkiye&#8217;nin k\u00f6kl\u00fc finans kurulu\u015flar\u0131ndan biri olarak vizyon ve misyonunu y\u00fcksek katma de\u011fer yaratma ve m\u00fc\u015fteri memnuniyeti \u00fczerine kurgulam\u0131\u015ft\u0131r.<\/p>\n<ul>\n<li><b>Vizyon:<\/b> M\u00fc\u015fterisi ve \u00e7al\u0131\u015fan\u0131yla birlikte en y\u00fcksek katma de\u011feri yaratan sayg\u0131n ve g\u00fcvenilir bir faktoring kurulu\u015fu olmak.<\/li>\n<li><b>Misyon:<\/b> Yurti\u00e7i ve ihracat faktoringinde m\u00fc\u015fterilerin ihtiya\u00e7lar\u0131n\u0131 h\u0131zl\u0131 ve verimli \u015fekilde kar\u015f\u0131lamak, yenilik\u00e7i anlay\u0131\u015fla T\u00fcrkiye\u2019nin ilk \u00fc\u00e7 faktoring kurulu\u015fu aras\u0131nda yer almak.<\/li>\n<li><b>Pazar Konumu:<\/b> \u015eirket, 31.03.2026 itibar\u0131yla 49 \u015firketin faaliyet g\u00f6sterdi\u011fi T\u00fcrkiye faktoring sekt\u00f6r\u00fcnde etkin bir oyuncudur. \u00d6zellikle kamu alacaklar\u0131n\u0131n finansman\u0131 konusundaki farkl\u0131la\u015fm\u0131\u015f \u00fcr\u00fcnleriyle rakiplerinden ayr\u0131\u015fmaktad\u0131r.<\/li>\n<\/ul>\n<h2>2. Finansal Performans Analizi<\/h2>\n<p>\u015eirket, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde operasyonel b\u00fcy\u00fcmesini s\u00fcrd\u00fcrm\u00fc\u015ft\u00fcr. Temel bilan\u00e7o kalemleri ve rasyolar a\u015fa\u011f\u0131daki tabloda kar\u015f\u0131la\u015ft\u0131rmal\u0131 olarak sunulmu\u015ftur:<\/p>\n<h3>Temel Finansal Veriler (TL)<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Kalem<\/td>\n<td>31.03.2026<\/td>\n<td>31.12.2025<\/td>\n<td>De\u011fi\u015fim (%)<\/td>\n<\/tr>\n<tr>\n<td><b>Faktoring Alacaklar\u0131<\/b><\/td>\n<td>2.448.117.665<\/td>\n<td>2.065.090.561<\/td>\n<td>%18,5<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Aktifler<\/b><\/td>\n<td>3.953.207.067<\/td>\n<td>3.217.372.525<\/td>\n<td>%22,9<\/td>\n<\/tr>\n<tr>\n<td><b>\u00d6zkaynaklar<\/b><\/td>\n<td>1.460.286.222<\/td>\n<td>1.460.286.222<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td><b>Net D\u00f6nem K\u00e2r\u0131<\/b><\/td>\n<td>378.885.188<\/td>\n<td>916.250.637 (Y\u0131ll\u0131k)<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td><b>Finansal Bor\u00e7lar<\/b><\/td>\n<td>2.013.123.907<\/td>\n<td>1.656.977.024<\/td>\n<td>%21,5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Kritik Finansal Rasyolar<\/h3>\n<ul>\n<li><b>D\u00f6nem K\u00e2r\u0131 \/ Aktif:<\/b> %38,34 (31.12.2025: %28,48)<\/li>\n<li><b>\u015e\u00fcpheli Alacaklar \/ Aktif:<\/b> %0,89 (Risk y\u00f6netimindeki etkinli\u011fi g\u00f6steren iyile\u015fme).<\/li>\n<li><b>\u00d6zkaynak \/ Pasif:<\/b> %46,54 (G\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131n\u0131n korunmas\u0131).<\/li>\n<li><b>Faktoring Alacaklar\u0131 \/ Aktif:<\/b> %61,93.<\/li>\n<\/ul>\n<h2>3. Sermaye Yap\u0131s\u0131 ve \u0130\u015ftirakler<\/h2>\n<p>\u015eirket, Alt\u0131nba\u015f Holding A.\u015e.&#8217;nin ana hissedarl\u0131\u011f\u0131nda istikrarl\u0131 bir ortakl\u0131k yap\u0131s\u0131na sahiptir.<\/p>\n<ul>\n<li><b>Ortakl\u0131k Da\u011f\u0131l\u0131m\u0131:<\/b>\n<ul>\n<li>Alt\u0131nba\u015f Holding A.\u015e. (A ve B Grubu toplam): %29,05<\/li>\n<li>Atlas Portf\u00f6y D\u00f6rd\u00fcnc\u00fc Serbest (TL) Fon: %18,08<\/li>\n<li>Halka Arz Olan K\u0131s\u0131m: %52,87<\/li>\n<\/ul>\n<\/li>\n<li><b>\u00d6nemli \u0130\u015ftirak:<\/b> \u015eirket, Ukrayna&#8217;da faaliyet g\u00f6steren <b>Joint Company West Finance and Credit Bank<\/b>&#8216;\u0131n %42 oran\u0131ndaki pay\u0131na sahiptir. Bu al\u0131m s\u00fcreci 30.12.2020 tarihi itibar\u0131yla tamamlanm\u0131\u015ft\u0131r.<\/li>\n<li><b>Sermaye Art\u0131r\u0131m\u0131:<\/b> 16 Ocak 2026 tarihli y\u00f6netim kurulu karar\u0131yla ba\u015flayan ve 16 Nisan 2026&#8217;da tescil edilen bedelsiz sermaye art\u0131r\u0131m\u0131 ile \u00f6denmi\u015f sermaye 100 milyon TL&#8217;den <b>300 milyon TL&#8217;ye<\/b> y\u00fckseltilmi\u015ftir. Bu art\u0131\u015f\u0131n tamam\u0131 ola\u011fan\u00fcst\u00fc yedeklerden kar\u015f\u0131lanm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>4. Bor\u00e7lanma Ara\u00e7lar\u0131 ve Fonlama Stratejisi<\/h2>\n<p>Creditwest, banka kredilerine alternatif olarak sermaye piyasalar\u0131n\u0131 aktif kullanmaktad\u0131r. 31.03.2026 itibar\u0131yla vadesi gelmemi\u015f 3 adet bono ihrac\u0131 bulunmaktad\u0131r:<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Tutar (TL)<\/td>\n<td>\u0130hra\u00e7 Tarihi<\/td>\n<td>\u0130tfa Tarihi<\/td>\n<td>Faiz Oran\u0131 (Y\u0131ll\u0131k Basit)<\/td>\n<\/tr>\n<tr>\n<td>47.000.000<\/td>\n<td>29.12.2025<\/td>\n<td>29.06.2026<\/td>\n<td>BIST TLREF + %3,50<\/td>\n<\/tr>\n<tr>\n<td>50.000.000<\/td>\n<td>03.02.2026<\/td>\n<td>04.08.2026<\/td>\n<td>BIST TLREF + %3,25<\/td>\n<\/tr>\n<tr>\n<td>60.000.000<\/td>\n<td>19.02.2026<\/td>\n<td>20.08.2026<\/td>\n<td>BIST TLREF + %3,25<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u015eirket ayr\u0131ca Mart 2016&#8217;dan bu yana <b>Takasbank Para Piyasas\u0131<\/b> \u00fcyesi olarak fonlama kaynaklar\u0131n\u0131 \u00e7e\u015fitlendirmektedir.<\/p>\n<h2>5. Kurumsal Y\u00f6neti\u015fim ve Derecelendirme<\/h2>\n<p>\u015eirket, y\u00fcksek d\u00fczeyde kurumsal y\u00f6neti\u015fim uyumu sergilemektedir. TurkRating taraf\u0131ndan 14 May\u0131s 2025&#8217;te teyit edilen genel uyum notu <b>8,87<\/b>&#8216;dir.<\/p>\n<ul>\n<li><b>B\u00f6l\u00fcmsel Uyum Notlar\u0131:<\/b>\n<ul>\n<li>Y\u00f6netim Kurulu ve Y\u00f6neticiler: 9,00<\/li>\n<li>Kamuyu Ayd\u0131nlatma ve \u015eeffafl\u0131k: 8,93<\/li>\n<li>Pay Sahipleri: 8,77<\/li>\n<li>Menfaat Sahipleri: 8,65<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>Y\u00f6netim Kurulu ve Komiteler<\/h3>\n<p>Y\u00f6netim Kurulu 7 \u00fcyeden olu\u015fmakta olup, Ba\u015fkanl\u0131k g\u00f6revini <b>Nusret Alt\u0131nba\u015f<\/b>, Genel M\u00fcd\u00fcrl\u00fck g\u00f6revini ise <b>Dilber B\u0131\u00e7akc\u0131<\/b> y\u00fcr\u00fctmektedir. 2026&#8217;n\u0131n ilk \u00e7eyre\u011finde Y\u00f6netim Kurulu 16 kez toplanm\u0131\u015ft\u0131r.<\/p>\n<p>Aktif \u00e7al\u0131\u015fan komiteler \u015funlard\u0131r:<\/p>\n<ol>\n<li><b>Denetimden Sorumlu Komite:<\/b> Ba\u015fkan Mehmet Adnan Dabak (Ba\u011f\u0131ms\u0131z \u00dcye).<\/li>\n<li><b>Kurumsal Y\u00f6netim Komitesi:<\/b> Ba\u015fkan Mehmet \u015eeref Akka\u015f (Ba\u011f\u0131ms\u0131z \u00dcye).<\/li>\n<li><b>Riskin Erken Saptanmas\u0131 Komitesi:<\/b> Ba\u015fkan Mehmet Adnan Dabak (Ba\u011f\u0131ms\u0131z \u00dcye).<\/li>\n<\/ol>\n<h2>6. Risk Y\u00f6netimi ve \u0130\u00e7 Kontrol<\/h2>\n<p>\u015eirket; kredi, piyasa, likidite, faiz, kur ve mevzuat risklerini kapsayan kapsaml\u0131 bir risk y\u00f6netimi sistemi uygulamaktad\u0131r.<\/p>\n<ul>\n<li><b>\u0130\u00e7 Kontrol:<\/b> Denetimden Sorumlu Komiteye ba\u011fl\u0131 \u00e7al\u0131\u015fan \u0130\u00e7 Kontrol Birimi, s\u00fcre\u00e7 seviyesindeki riskleri odak noktas\u0131na alarak denetim faaliyetlerini s\u00fcrd\u00fcrmektedir.<\/li>\n<li><b>Kredi Derecelendirme (17 Nisan 2026 G\u00fcncellemesi):<\/b>\n<ul>\n<li><b>Uzun Vadeli Ulusal:<\/b> TR A+ (G\u00f6r\u00fcn\u00fcm: Pozitif)<\/li>\n<li><b>K\u0131sa Vadeli Ulusal:<\/b> TR A1<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>7. \u0130nsan Kaynaklar\u0131 ve Sosyal Sorumluluk<\/h2>\n<p>\u015eirket, 31.03.2026 itibar\u0131yla 39 personelle faaliyetlerini y\u00fcr\u00fctmektedir. \u00c7al\u0131\u015fan profilinin e\u011fitim d\u00fczeyi y\u00fcksektir (%25 Y\u00fcksek Lisans, %45 Lisans).<\/p>\n<ul>\n<li><b>Ba\u011f\u0131\u015f Politikas\u0131:<\/b> Net d\u00f6nem k\u00e2r\u0131n\u0131n %5&#8217;ini a\u015fmamak kayd\u0131yla e\u011fitim ve \u00f6\u011fretim faaliyetlerine ba\u011f\u0131\u015f yapma yetkisi bulunmaktad\u0131r. Ancak 2026&#8217;n\u0131n ilk \u00fc\u00e7 ay\u0131nda yap\u0131lm\u0131\u015f bir ba\u011f\u0131\u015f bulunmamaktad\u0131r.<\/li>\n<li><b>K\u00e2r Da\u011f\u0131t\u0131m \u00d6nerisi:<\/b> \u015eirket stratejisi ve \u00f6zkaynak yap\u0131s\u0131n\u0131n g\u00fc\u00e7lendirilmesi amac\u0131yla, 2025 y\u0131l\u0131 net k\u00e2r\u0131n\u0131n da\u011f\u0131t\u0131lmayarak ola\u011fan\u00fcst\u00fc yedeklere aktar\u0131lmas\u0131 kararla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>8. Hukuki Durum ve Davalar<\/h2>\n<p>31.03.2026 itibar\u0131yla \u015eirketin taraf oldu\u011fu hukuki s\u00fcre\u00e7ler \u015f\u00f6yledir:<\/p>\n<ul>\n<li><b>\u015eirket Taraf\u0131ndan Y\u00fcr\u00fct\u00fclen \u0130cra Takipleri:<\/b> 239 adet, toplam 132,4 milyon TL.<\/li>\n<li><b>\u015eirket Aleyhine A\u00e7\u0131lan Davalar:<\/b> 13 adet, toplam 1,26 milyon TL. (Bu davalar a\u011f\u0131rl\u0131kl\u0131 olarak icra takiplerine itiraz niteli\u011findedir).<\/li>\n<li>D\u00f6nem i\u00e7erisinde y\u00f6netim kurulu \u00fcyeleri veya y\u00f6neticiler hakk\u0131nda herhangi bir adli veya idari yapt\u0131r\u0131m uygulanmam\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<button class=\"simplefavorite-button\" data-postid=\"2294\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorile <i class=<\/button>","protected":false},"excerpt":{"rendered":"<p>Creditwest Faktoring, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde finansal performans\u0131n\u0131 ve sermaye yap\u0131s\u0131n\u0131 yeni bir boyuta ta\u015f\u0131d\u0131. \u015eirketin yay\u0131nlad\u0131\u011f\u0131 son faaliyet raporuna g\u00f6re, faktoring alacaklar\u0131 2,4 milyar TL baraj\u0131n\u0131 a\u015farken, \u00fc\u00e7 ayl\u0131k net d\u00f6nem kar\u0131 378,8 milyon TL olarak kaydedildi<br \/>\n.<br \/>\nBu d\u00f6nemdeki en dikkat \u00e7ekici geli\u015fme ise \u015firketin \u00f6zkaynaklar\u0131n\u0131 g\u00fc\u00e7lendirme hamlesi oldu. Mevcut sermayesini %200 oran\u0131nda bedelsiz art\u0131rarak 300 milyon TL&#8217;ye \u00e7\u0131karan Creditwest, TurkRating&#8217;den ald\u0131\u011f\u0131 &#8220;Pozitif&#8221; g\u00f6r\u00fcn\u00fcm notuyla da piyasadaki g\u00fcvenilirli\u011fini per\u00e7inledi<br \/>\n. 31 Mart itibar\u0131yla 8,1 milyar TL piyasa de\u011ferine ula\u015fan \u015firket, hem kurumsal y\u00f6netim ilkelerine uyumu hem de operasyonel verimlili\u011fi ile faktoring sekt\u00f6r\u00fcndeki \u00f6nc\u00fc konumunu s\u00fcrd\u00fcr\u00fcyor<br \/>\n. Finansal \u00e7\u00f6z\u00fcmlerini &#8220;m\u00fc\u015fteriye art\u0131 de\u011fer katma&#8221; felsefesiyle sunan Creditwest, 2026 hedefleri do\u011frultusunda sa\u011flam ad\u0131mlarla ilerlemeye devam ediyor<br \/>\n.<\/p>\n","protected":false},"author":8,"featured_media":1297,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[251],"tags":[326],"class_list":["post-2294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faaliyetraporuanalizi","tag-crdfa"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2294","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2294"}],"version-history":[{"count":1,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2294\/revisions"}],"predecessor-version":[{"id":2295,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2294\/revisions\/2295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media\/1297"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media?parent=2294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}