{"id":2342,"date":"2026-05-02T13:15:16","date_gmt":"2026-05-02T10:15:16","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2342"},"modified":"2026-05-02T13:15:43","modified_gmt":"2026-05-02T10:15:43","slug":"ykbnk-2026-03-bilano-analizi-yap-ve-kredi-bankas","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2342","title":{"rendered":"\ud83d\udd34 YKBNK 2026-03 Bilan\u00e7o Analizi | Yap\u0131 ve Kredi Bankas\u0131"},"content":{"rendered":"
Yap\u0131 ve Kredi Bankas\u0131 A.\u015e. 31 Mart 2026 Konsolide Finansal Raporu Brifing Belgesi<\/h1>\n
Y\u00f6netici \u00d6zeti<\/h2>\n
Bu brifing belgesi, Yap\u0131 ve Kredi Bankas\u0131 A.\u015e.’nin (“Banka” veya “Grup”) 31 Mart 2026 tarihi itibar\u0131yla haz\u0131rlanan ara d\u00f6nem konsolide finansal raporunu ve s\u0131n\u0131rl\u0131 denetim sonu\u00e7lar\u0131n\u0131 sentezlemektedir.<\/p>\n
Raporun temel bulgular\u0131 a\u015fa\u011f\u0131dad\u0131r:<\/p>\n
\n
Finansal B\u00fcy\u00fcme:<\/b> Grubun toplam varl\u0131klar\u0131 31 Aral\u0131k 2025 tarihindeki 3,52 trilyon TL seviyesinden, 31 Mart 2026 itibar\u0131yla 3,76 trilyon TL seviyesine y\u00fckselmi\u015ftir.<\/li>\n
Karl\u0131l\u0131k Performans\u0131:<\/b> 2026 y\u0131l\u0131n\u0131n ilk \u00fc\u00e7 ayl\u0131k d\u00f6neminde net k\u00e2r, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine (11,42 milyar TL) k\u0131yasla \u00f6nemli bir art\u0131\u015f g\u00f6stererek 20,30 milyar TL olarak ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n
Denetim G\u00f6r\u00fc\u015f\u00fc:<\/b> G\u00fcney Ba\u011f\u0131ms\u0131z Denetim (Ernst & Young) taraf\u0131ndan y\u00fcr\u00fct\u00fclen s\u0131n\u0131rl\u0131 denetim sonucunda, finansal tablolar\u0131n BDDK Muhasebe ve Finansal Raporlama Mevzuat\u0131\u2019na uygunlu\u011fu konusunda olumsuz bir hususa rastlanmam\u0131\u015ft\u0131r.<\/li>\n
Sahiplik Yap\u0131s\u0131:<\/b> Ko\u00e7 Grubu, do\u011frudan ve dolayl\u0131 hisseleriyle toplam %61,17 oran\u0131nda paya sahip olup Banka’n\u0131n hakim orta\u011f\u0131 konumundad\u0131r. Halka a\u00e7\u0131kl\u0131k oran\u0131 %38,83’t\u00fcr.<\/li>\n
Operasyonel \u00d6l\u00e7ek:<\/b> Banka, Mart 2026 itibar\u0131yla T\u00fcrkiye genelinde 740 \u015fube ve 15.656 ki\u015filik toplam grup personeli ile faaliyetlerini s\u00fcrd\u00fcrmektedir.<\/li>\n<\/ul>\n
——————————————————————————–<\/p>\n
1. Kurumsal Yap\u0131 ve Y\u00f6netim<\/h2>\n
1.1. Tarih\u00e7e ve Kurulu\u015f<\/h3>\n
Yap\u0131 ve Kredi Bankas\u0131 A.\u015e., 9 Eyl\u00fcl 1944 tarihinde \u00f6zel sermayeli bir ticaret bankas\u0131 olarak kurulmu\u015ftur. Banka, kurulu\u015fundan bu yana stat\u00fcs\u00fcnde \u00f6nemli bir de\u011fi\u015fiklik yapmadan her t\u00fcrl\u00fc bankac\u0131l\u0131k faaliyeti ve iktisadi giri\u015fimde bulunma yetkisine sahiptir.<\/p>\n
1.2. Sermaye ve Ortakl\u0131k Yap\u0131s\u0131<\/h3>\n
31 Mart 2026 itibar\u0131yla Banka’n\u0131n sermaye da\u011f\u0131l\u0131m\u0131 \u015fu \u015fekildedir:<\/p>\n
\n\n
\n
Ortak<\/td>\n
Pay Tutar\u0131 (Nominal TL)<\/td>\n
Pay Oran\u0131 (%)<\/td>\n<\/tr>\n
\n
Ko\u00e7 Finansal Hizmetler A.\u015e.<\/td>\n
3.459.065.642,23<\/td>\n
40,95<\/td>\n<\/tr>\n
\n
Ko\u00e7 Holding A.\u015e.<\/td>\n
1.707.666.574,00<\/td>\n
20,22<\/td>\n<\/tr>\n
\n
Halka A\u00e7\u0131k Paylar (BIST)<\/td>\n
–<\/td>\n
38,83<\/td>\n<\/tr>\n
\n
Toplam<\/b><\/td>\n
8.447.051.000,00<\/b><\/td>\n
100,00<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Not: Ko\u00e7 Finansal Hizmetler A.\u015e., Ko\u00e7 Grubu ve Temel Ticaret ve Yat\u0131r\u0131m A.\u015e. y\u00f6netimi alt\u0131ndad\u0131r.<\/i><\/p>\n
1.3. \u00dcst Y\u00f6netim<\/h3>\n
12 Mart 2026 tarihli Ola\u011fan Genel Kurul Toplant\u0131s\u0131 sonras\u0131 y\u00f6netim ve denetim kadrolar\u0131nda g\u00fcncellemeler yap\u0131lm\u0131\u015ft\u0131r:<\/p>\n
\n
Y\u00f6netim Kurulu Ba\u015fkan\u0131:<\/b> Y. Ali Ko\u00e7<\/li>\n
Murahhas \u00dcye ve Genel M\u00fcd\u00fcr:<\/b> G\u00f6khan Er\u00fcn<\/li>\n
Denetim Komitesi Ba\u015fkan\u0131:<\/b> Fatih K. Ebi\u00e7lio\u011flu (Ahmet \u00c7imeno\u011flu’nun yerine se\u00e7ilmi\u015ftir)<\/li>\n<\/ul>\n
——————————————————————————–<\/p>\n
2. Konsolidasyon Kapsam\u0131<\/h2>\n
Grup, ana banka faaliyetlerinin yan\u0131 s\u0131ra geni\u015f bir finansal i\u015ftirak ve ba\u011fl\u0131 ortakl\u0131k a\u011f\u0131n\u0131 y\u00f6netmektedir.<\/p>\n
Tam Konsolidasyona Tabi \u00d6nemli Ba\u011fl\u0131 Ortakl\u0131klar:<\/b><\/p>\n
\n
Yap\u0131 Kredi Leasing, Faktoring, Yat\u0131r\u0131m Menkul De\u011ferler ve Portf\u00f6y Y\u00f6netimi.<\/li>\n
Yurt D\u0131\u015f\u0131 Operasyonlar:<\/b> Yap\u0131 Kredi Bank Nederland N.V., Yap\u0131 Kredi Bank Azerbaijan CJSC ve Yap\u0131 Kredi Bank Deutschland OHG.<\/li>\n
Yap\u0131land\u0131r\u0131lm\u0131\u015f \u0130\u015fletme:<\/b> Bankan\u0131n ba\u011fl\u0131 ortakl\u0131\u011f\u0131 olmamakla birlikte %100 kontrol g\u00fcc\u00fcne sahip oldu\u011fu Yap\u0131 Kredi Diversified Payment Rights Finance Company<\/i>.<\/li>\n<\/ul>\n
Banque de Commerce et de Placements S.A. (%30,67 pay)<\/li>\n
Allianz Ya\u015fam ve Emeklilik A.\u015e. (%20,00 pay)<\/li>\n<\/ul>\n
——————————————————————————–<\/p>\n
3. Finansal Durum Analizi (Bilan\u00e7o)<\/h2>\n
31 Mart 2026 itibar\u0131yla konsolide bilan\u00e7o verileri, Grubun likidite ve varl\u0131k yap\u0131s\u0131ndaki b\u00fcy\u00fcmeyi yans\u0131tmaktad\u0131r.<\/p>\n
3.1. Varl\u0131klar (Aktifler)<\/h3>\n
Toplam aktifler \u00f6nceki d\u00f6nem sonuna g\u00f6re yakla\u015f\u0131k %6,7 oran\u0131nda artm\u0131\u015ft\u0131r.<\/p>\n
3.2. Y\u00fck\u00fcml\u00fcl\u00fckler ve \u00d6zkaynaklar (Pasifler)<\/h3>\n
Mevduat, Grubun en b\u00fcy\u00fck fonlama kayna\u011f\u0131 olmaya devam etmektedir.<\/p>\n
\n\n
\n
Y\u00fck\u00fcml\u00fcl\u00fck Kalemi<\/td>\n
31\/03\/2026 (Bin TL)<\/td>\n
31\/12\/2025 (Bin TL)<\/td>\n<\/tr>\n
\n
Mevduat<\/td>\n
2.027.066.029<\/td>\n
1.959.143.020<\/td>\n<\/tr>\n
\n
Al\u0131nan Krediler<\/td>\n
437.635.272<\/td>\n
412.109.351<\/td>\n<\/tr>\n
\n
\u0130hra\u00e7 Edilen Menkul K\u0131ymetler<\/td>\n
333.712.475<\/td>\n
299.027.618<\/td>\n<\/tr>\n
\n
Toplam \u00d6zkaynaklar<\/td>\n
271.134.773<\/td>\n
255.617.115<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
——————————————————————————–<\/p>\n
4. Finansal Performans Analizi (K\u00e2r veya Zarar)<\/h2>\n
2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde net faiz gelirleri ve \u00fccret-komisyon gelirlerindeki art\u0131\u015f, k\u00e2rl\u0131l\u0131\u011f\u0131 destekleyen temel unsurlar olmu\u015ftur.<\/p>\n
4.1. Gelir Kalemleri<\/h3>\n
\n
Net Faiz Geliri:<\/b> 58,10 milyar TL (\u00d6nceki d\u00f6nem: 29,75 milyar TL).<\/li>\n
Net \u00dccret ve Komisyon Gelirleri:<\/b> 32,43 milyar TL.<\/li>\n
Ticari Zarar (Net):<\/b> -18,81 milyar TL (T\u00fcrev ve kambiyo i\u015flemlerinden kaynaklanan net etki).<\/li>\n<\/ul>\n
“S\u0131n\u0131rl\u0131 denetimimize g\u00f6re, ili\u015fikteki ara d\u00f6nem konsolide finansal bilgilerin… BDDK Muhasebe ve Finansal Raporlama Mevzuat\u0131\u2019na uygun olarak t\u00fcm \u00f6nemli y\u00f6nleriyle ger\u00e7e\u011fe uygun bir bi\u00e7imde sunulmad\u0131\u011f\u0131 kanaatine varmam\u0131za sebep olacak herhangi bir husus dikkatimizi \u00e7ekmemi\u015ftir.”<\/p>\n
Rapor, 29 Nisan 2026 tarihinde Sorumlu Denet\u00e7i Emre \u00c7elik taraf\u0131ndan imzalanm\u0131\u015ft\u0131r.<\/p>\n