Akbank T.A.\u015e. 31 Mart 2026 Ara D\u00f6nem Finansal Raporu Bilgilendirme Belgesi<\/h1>\n
Y\u00f6netici \u00d6zeti<\/h2>\n
Bu belge, Akbank T.A.\u015e.’nin (“Banka”) 31 Mart 2026 tarihi itibar\u0131yla haz\u0131rlanan konsolide olmayan ara d\u00f6nem finansal raporunun kapsaml\u0131 bir analizini sunmaktad\u0131r. Rapor, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) mevzuat\u0131na uygun olarak haz\u0131rlanm\u0131\u015f ve DRT Ba\u011f\u0131ms\u0131z Denetim (Deloitte Touche Tohmatsu Limited \u00fcyesi) taraf\u0131ndan s\u0131n\u0131rl\u0131 denetime tabi tutulmu\u015ftur.<\/p>\n
Temel bulgular, Banka’n\u0131n finansal durumunun ve performans\u0131n\u0131n, ilgili mevzuat \u00e7er\u00e7evesinde ger\u00e7e\u011fe uygun bir \u015fekilde sunuldu\u011funu g\u00f6stermektedir. Sabanc\u0131 Grubu’nun kontrol\u00fcnde olan Akbank, 31 Mart 2026 itibar\u0131yla 1.1 trilyon TL’yi a\u015fan toplam finansal varl\u0131k y\u00f6netmekte, T\u00fcrkiye genelinde 633 \u015fube ve 12.000’den fazla personel ile geni\u015f bir operasyonel a\u011f \u00fczerinden faaliyetlerini s\u00fcrd\u00fcrmektedir.<\/p>\n
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1. Ba\u011f\u0131ms\u0131z Denetim S\u00fcreci ve Sonu\u00e7lar\u0131<\/h2>\n
Banka’n\u0131n 31 Mart 2026 tarihli finansal tablolar\u0131 \u00fczerinde y\u00fcr\u00fct\u00fclen s\u0131n\u0131rl\u0131 denetim s\u00fcreci, DRT Ba\u011f\u0131ms\u0131z Denetim ve Serbest Muhasebeci Mali M\u00fc\u015favirlik A.\u015e. taraf\u0131ndan ger\u00e7ekle\u015ftirilmi\u015ftir.<\/p>\n
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Denetim G\u00f6r\u00fc\u015f\u00fc:<\/b> S\u0131n\u0131rl\u0131 denetim sonucunda, finansal tablolar\u0131n Banka’n\u0131n finansal durumunu ve performans\u0131n\u0131 BDDK Muhasebe ve Finansal Raporlama Mevzuat\u0131’na uygun olarak yans\u0131tmad\u0131\u011f\u0131na dair herhangi bir hususa rastlanmam\u0131\u015ft\u0131r.<\/li>\n
Kapsam K\u0131s\u0131tlamas\u0131:<\/b> Denetim, “S\u0131n\u0131rl\u0131 Ba\u011f\u0131ms\u0131z Denetim Standard\u0131 (SBDS) 2410” uyar\u0131nca y\u00fcr\u00fct\u00fclm\u00fc\u015ft\u00fcr. Bu kapsam, tam bir ba\u011f\u0131ms\u0131z denetime k\u0131yasla daha dard\u0131r ve esas olarak sorgulama ile analitik prosed\u00fcrlere dayanmaktad\u0131r.<\/li>\n
Faaliyet Raporu Uyumu:<\/b> Yedinci b\u00f6l\u00fcmde sunulan ara d\u00f6nem faaliyet raporunda yer alan finansal bilgilerin, denetimden ge\u00e7mi\u015f finansal tablolarla t\u00fcm \u00f6nemli y\u00f6nleriyle tutarl\u0131 oldu\u011fu teyit edilmi\u015ftir.<\/li>\n<\/ul>\n
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2. Banka Hakk\u0131nda Genel Bilgiler ve Kurumsal Yap\u0131<\/h2>\n
Tarih\u00e7e ve Stat\u00fc<\/h3>\n
Akbank, 30 Ocak 1948 tarihinde \u00f6zel sermayeli bir ticaret bankas\u0131 stat\u00fcs\u00fcnde faaliyete ge\u00e7mi\u015ftir. Kurulu\u015fundan bu yana stat\u00fcs\u00fcnde herhangi bir de\u011fi\u015fiklik olmam\u0131\u015ft\u0131r.<\/p>\n
Sermaye ve Ortakl\u0131k Yap\u0131s\u0131<\/h3>\n
Banka’n\u0131n sermaye yap\u0131s\u0131 Sabanc\u0131 Grubu’nun hakimiyeti alt\u0131ndad\u0131r. 31 Mart 2026 itibar\u0131yla ortakl\u0131k yap\u0131s\u0131n\u0131n temel bile\u015fenleri \u015f\u00f6yledir:<\/p>\n
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Ortak Ad\u0131 \/ Ticari Unvan\u0131<\/td>\n
Pay Oran\u0131<\/td>\n
Pay Tutar\u0131 (Nominal – Bin TL)<\/td>\n<\/tr>\n
Halka A\u00e7\u0131k K\u0131s\u0131m (B\u0130ST ve ADR dahil)<\/td>\n
~%52,00<\/td>\n
–<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Banka hisseleri 1990 y\u0131l\u0131ndan beri Borsa \u0130stanbul’da i\u015flem g\u00f6rmektedir. Ayr\u0131ca sermayenin %4,03’l\u00fck b\u00f6l\u00fcm\u00fc American Depository Receipt (ADR) ve adi hisse senedi olarak uluslararas\u0131 piyasalarda yer almaktad\u0131r.<\/p>\n
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3. Y\u00f6netim Kadrosu<\/h2>\n
Banka’n\u0131n \u00fcst y\u00f6netimi, geni\u015f tecr\u00fcbeye sahip profesyonellerden olu\u015fmaktad\u0131r. Y\u00f6netim Kurulu Ba\u015fkan\u0131 Suzan Sabanc\u0131, Genel M\u00fcd\u00fcr ise C. Kaan G\u00fcr’d\u00fcr.<\/p>\n
Kilit Y\u00f6netim Fig\u00fcrleri:<\/b><\/p>\n
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Y\u00f6netim Kurulu Ba\u015fkan\u0131:<\/b> Suzan Sabanc\u0131<\/li>\n
Genel M\u00fcd\u00fcr:<\/b> C. Kaan G\u00fcr<\/li>\n
4. Operasyonel Kapasite ve Hizmet Alanlar\u0131<\/h2>\n
Akbank, geni\u015f bir yelpazede bankac\u0131l\u0131k ve finansal hizmetler sunmaktad\u0131r.<\/p>\n
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Faaliyet Alanlar\u0131:<\/b> Bireysel bankac\u0131l\u0131k, KOB\u0130 bankac\u0131l\u0131\u011f\u0131, ticari bankac\u0131l\u0131k, kurumsal ve yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131, \u00f6zel bankac\u0131l\u0131k, hazine i\u015flemleri ve uluslararas\u0131 bankac\u0131l\u0131k.<\/li>\n
Acentelik Hizmetleri:<\/b> Banka, \u015fubeleri arac\u0131l\u0131\u011f\u0131yla Aksigorta A.\u015e. ve AgeSA Hayat ve Emeklilik A.\u015e. ad\u0131na sigorta acenteli\u011fi y\u00fcr\u00fctmektedir.<\/li>\n
5. Finansal Durum Analizi (Se\u00e7ilmi\u015f Veriler)<\/h2>\n
31 Mart 2026 itibar\u0131yla konsolide olmayan bilan\u00e7oda yer alan baz\u0131 temel kalemler, bin T\u00fcrk Liras\u0131 (TL) cinsinden a\u015fa\u011f\u0131da sunulmu\u015ftur:<\/p>\n
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Varl\u0131klar<\/td>\n
31\/03\/2026 (Bin TL)<\/td>\n
31\/12\/2025 (Bin TL)<\/td>\n<\/tr>\n
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Finansal Varl\u0131klar (Net Toplam)<\/b><\/td>\n
1.127.844.794<\/b><\/td>\n
1.167.523.505<\/b><\/td>\n<\/tr>\n
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Nakit De\u011ferler ve Merkez Bankas\u0131<\/td>\n
501.656.898<\/td>\n
559.433.242<\/td>\n<\/tr>\n
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Bankalar<\/td>\n
75.077.333<\/td>\n
34.023.810<\/td>\n<\/tr>\n
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Finansal Varl\u0131klar (Ger\u00e7e\u011fe Uygun De\u011fer Fark\u0131 Kar\/Zarara Yans\u0131t\u0131lan)<\/td>\n
6. Risk Y\u00f6netimi ve Mali B\u00fcnye Prensipleri<\/h2>\n
Raporun d\u00f6rd\u00fcnc\u00fc b\u00f6l\u00fcm\u00fc, Banka’n\u0131n risk y\u00f6netim stratejilerini ve mali b\u00fcnye sa\u011flaml\u0131\u011f\u0131n\u0131 detayland\u0131rmaktad\u0131r:<\/p>\n
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\u00d6zkaynak Y\u00f6netimi:<\/b> Banka’n\u0131n sermaye yeterlili\u011fi ve \u00f6zkaynak kalemleri yak\u0131ndan izlenmektedir.<\/li>\n
Risk T\u00fcrleri:<\/b> Kur riski, faiz oran\u0131 riski, likidite riski ve hisse senedi pozisyon riski temel risk kategorileri olarak tan\u0131mlanm\u0131\u015ft\u0131r.<\/li>\n
Likidite Kar\u015f\u0131lama Oran\u0131:<\/b> Banka’n\u0131n k\u0131sa vadeli y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131lama kapasitesini \u00f6l\u00e7en likidite kar\u015f\u0131lama ve net istikrarl\u0131 fonlama oranlar\u0131 raporlanmaktad\u0131r.<\/li>\n
T\u00fcrev \u00dcr\u00fcnler:<\/b> D\u00f6viz ve faiz riskinden korunma amac\u0131yla vadeli i\u015flem, opsiyon ve di\u011fer t\u00fcrev ara\u00e7lar aktif olarak kullan\u0131lmaktad\u0131r.<\/li>\n<\/ul>\n
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7. \u00d6nemli Muhasebe Politikalar\u0131<\/h2>\n
Finansal tablolar haz\u0131rlan\u0131rken a\u015fa\u011f\u0131daki temel esaslar dikkate al\u0131nm\u0131\u015ft\u0131r:<\/p>\n
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Sunum Esaslar\u0131:<\/b> Finansal raporlar, BDDK’n\u0131n bankalar\u0131n hesap ve kay\u0131t d\u00fczenine ili\u015fkin y\u00f6netmelikleri ve T\u00fcrkiye Muhasebe Standartlar\u0131 (TMS 34) uyar\u0131nca haz\u0131rlanm\u0131\u015ft\u0131r.<\/li>\n
Beklenen Zarar Kar\u015f\u0131l\u0131klar\u0131:<\/b> TFRS 9 \u00e7er\u00e7evesinde, finansal varl\u0131klar i\u00e7in beklenen kredi zarar kar\u015f\u0131l\u0131klar\u0131 hesaplanmaktad\u0131r.<\/li>\n
Netle\u015ftirme:<\/b> Finansal ara\u00e7lar, ancak yasal bir hak ve netle\u015ftirme niyeti varsa bilan\u00e7oda net olarak g\u00f6sterilmektedir.<\/li>\n
Yabanc\u0131 Para \u0130\u015flemleri:<\/b> Yabanc\u0131 para cinsinden i\u015flemler, i\u015flem tarihindeki kurlar \u00fczerinden muhasebele\u015ftirilmekte ve d\u00f6nem sonlar\u0131nda yeniden de\u011ferlenmektedir.<\/li>\n<\/ul>\n