{"id":2369,"date":"2026-05-02T14:34:42","date_gmt":"2026-05-02T11:34:42","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2369"},"modified":"2026-05-02T14:35:04","modified_gmt":"2026-05-02T11:35:04","slug":"garan-2026-03-bilano-analizi-trkiye-garanti-bankas","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2369","title":{"rendered":"\ud83d\udd34 GARAN 2026-03 Bilan\u00e7o Analizi | T\u00fcrkiye Garanti Bankas\u0131"},"content":{"rendered":"<h1>T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. 31 Mart 2026 Konsolide Finansal Raporu Bilgilendirme Belgesi<\/h1>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>Bu belge, T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. (&#8220;Banka&#8221;) ve finansal kurulu\u015flar\u0131n\u0131n (&#8220;Grup&#8221;) 31 Mart 2026 tarihinde sona eren \u00fc\u00e7 ayl\u0131k ara d\u00f6neme ait konsolide finansal durumunu ve performans\u0131n\u0131 analiz etmektedir. Raporlama d\u00f6nemi itibar\u0131yla Grup, g\u00fc\u00e7l\u00fc bir varl\u0131k yap\u0131s\u0131 ve k\u00e2rl\u0131l\u0131k sergilemi\u015ftir.<\/p>\n<p><b>Kritik Veriler ve Bulgular:<\/b><\/p>\n<ul>\n<li><b>Net K\u00e2r:<\/b> Grup, 31 Mart 2026 itibar\u0131yla 33.615.247 bin TL toplam d\u00f6nem net k\u00e2r\u0131 elde etmi\u015ftir (Ana ortakl\u0131k pay\u0131: 33.154.454 bin TL).<\/li>\n<li><b>Toplam Varl\u0131klar:<\/b> Konsolide varl\u0131k toplam\u0131 4.783.750.292 bin TL&#8217;ye ula\u015fm\u0131\u015ft\u0131r.<\/li>\n<li><b>Sahiplik Yap\u0131s\u0131:<\/b> Banco Bilbao Vizcaya Argentaria S.A. (BBVA), %85,97 pay oran\u0131 ile Banka&#8217;n\u0131n h\u00e2kim orta\u011f\u0131d\u0131r.<\/li>\n<li><b>Denetim G\u00f6r\u00fc\u015f\u00fc:<\/b> G\u00fcney Ba\u011f\u0131ms\u0131z Denetim (Ernst &amp; Young) taraf\u0131ndan y\u00fcr\u00fct\u00fclen s\u0131n\u0131rl\u0131 denetim sonucunda, finansal tablolar\u0131n BDDK Muhasebe ve Finansal Raporlama Mevzuat\u0131&#8217;na uygun olarak ger\u00e7e\u011fe uygun bir bi\u00e7imde sunulmad\u0131\u011f\u0131na dair herhangi bir olumsuz hususa rastlanmam\u0131\u015ft\u0131r.<\/li>\n<li><b>Enflasyon Muhasebesi:<\/b> BDDK kararlar\u0131 uyar\u0131nca, 2026 y\u0131l\u0131 finansal tablolar\u0131 TMS 29 kapsam\u0131nda enflasyon d\u00fczeltmesine tabi tutulmam\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>1. Kurumsal Yap\u0131 ve Stratejik Ortakl\u0131k<\/h2>\n<h3>1.1 Hissedarl\u0131k ve BBVA Grubu<\/h3>\n<p>T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 1946 y\u0131l\u0131nda kurulmu\u015f olup, 2015 y\u0131l\u0131ndan bu yana &#8220;Yabanc\u0131 Mevduat Bankalar\u0131&#8221; kategorisinde faaliyet g\u00f6stermektedir.<\/p>\n<ul>\n<li><b>BBVA Hakimiyeti:<\/b> 18 May\u0131s 2022&#8217;de tamamlanan g\u00f6n\u00fcll\u00fc pay al\u0131m teklifi s\u00fcreci sonunda BBVA&#8217;n\u0131n pay\u0131 %85,97&#8217;ye y\u00fckselmi\u015ftir.<\/li>\n<li><b>K\u00fcresel A\u011f:<\/b> BBVA, 25&#8217;ten fazla \u00fclkede 82 milyon m\u00fc\u015fteriye hizmet veren k\u00fcresel bir finans grubudur.<\/li>\n<\/ul>\n<h3>1.2 Konsolidasyon Kapsam\u0131<\/h3>\n<p>Rapor, Banka ile birlikte a\u015fa\u011f\u0131daki ba\u011fl\u0131 ortakl\u0131klar\u0131 ve yap\u0131land\u0131r\u0131lm\u0131\u015f i\u015fletmeleri kapsamaktad\u0131r:<\/p>\n<ul>\n<li><b>Ba\u011fl\u0131 Ortakl\u0131klar:<\/b> Garanti Bank International NV, Garanti Emeklilik ve Hayat A\u015e, Garanti Holding BV, Garanti Finansal Kiralama A\u015e, Garanti Faktoring A\u015e, Garanti Yat\u0131r\u0131m Menkul K\u0131ymetler A\u015e, Garanti Portf\u00f6y Y\u00f6netimi A\u015e, Garanti \u00d6deme Sistemleri A\u015e, Garanti \u00d6deme ve Elektronik Para Hizmetleri A\u015e.<\/li>\n<li><b>Yap\u0131land\u0131r\u0131lm\u0131\u015f \u0130\u015fletmeler:<\/b> Garanti Diversified Payment Rights Finance Company ve RPV Company.<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>2. Finansal Durum Analizi (Bilan\u00e7o)<\/h2>\n<p>31 Mart 2026 itibar\u0131yla konsolide bilan\u00e7o, varl\u0131k ve y\u00fck\u00fcml\u00fcl\u00fck dengesini a\u015fa\u011f\u0131daki \u015fekilde sergilemektedir:<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Varl\u0131k Kalemleri (Net)<\/td>\n<td>31 Mart 2026 (Bin TL)<\/td>\n<td>31 Aral\u0131k 2025 (Bin TL)<\/td>\n<\/tr>\n<tr>\n<td>Finansal Varl\u0131klar<\/td>\n<td>1.279.933.463<\/td>\n<td>1.260.568.409<\/td>\n<\/tr>\n<tr>\n<td>Krediler (\u0130tfa Edilmi\u015f Maliyet)<\/td>\n<td>2.768.109.767<\/td>\n<td>2.715.711.500<\/td>\n<\/tr>\n<tr>\n<td>Maddi Duran Varl\u0131klar<\/td>\n<td>52.631.937<\/td>\n<td>51.171.365<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Varl\u0131klar<\/b><\/td>\n<td><b>4.783.750.292<\/b><\/td>\n<td><b>4.547.773.680<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Y\u00fck\u00fcml\u00fcl\u00fck Kalemleri<\/td>\n<td>31 Mart 2026 (Bin TL)<\/td>\n<td>31 Aral\u0131k 2025 (Bin TL)<\/td>\n<\/tr>\n<tr>\n<td>Mevduat<\/td>\n<td>3.166.804.452<\/td>\n<td>3.150.033.577<\/td>\n<\/tr>\n<tr>\n<td>\u0130hra\u00e7 Edilen Menkul K\u0131ymetler<\/td>\n<td>172.756.936<\/td>\n<td>170.767.596<\/td>\n<\/tr>\n<tr>\n<td>\u00d6zkaynaklar<\/td>\n<td>453.087.703<\/td>\n<td>446.636.140<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Y\u00fck\u00fcml\u00fcl\u00fckler<\/b><\/td>\n<td><b>4.783.750.292<\/b><\/td>\n<td><b>4.547.773.680<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>\u00d6nemli Tespitler:<\/b><\/p>\n<ul>\n<li>Varl\u0131k yap\u0131s\u0131n\u0131n %57,8&#8217;i kredilerden olu\u015fmaktad\u0131r.<\/li>\n<li>Y\u00fck\u00fcml\u00fcl\u00fckler taraf\u0131nda mevduat, toplam kayna\u011f\u0131n %66,2&#8217;sini olu\u015fturarak en \u00f6nemli fonlama kayna\u011f\u0131 olmaya devam etmektedir.<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>3. Operasyonel Performans (K\u00e2r veya Zarar)<\/h2>\n<p>2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde Grup, gelir kalemlerinde \u00f6nemli art\u0131\u015flar kaydetmi\u015ftir.<\/p>\n<ul>\n<li><b>Net Faiz Geliri:<\/b> 71.431.416 bin TL (\u00d6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemi: 38.191.970 bin TL). Bu art\u0131\u015f, faiz gelirlerinin giderlerden daha h\u0131zl\u0131 b\u00fcy\u00fcmesiyle desteklenmi\u015ftir.<\/li>\n<li><b>Net \u00dccret ve Komisyon Gelirleri:<\/b> 42.859.908 bin TL (\u00d6nceki y\u0131l: 30.245.931 bin TL).<\/li>\n<li><b>Ticari Zarar:<\/b> T\u00fcrev finansal i\u015flemlerden kaynaklanan 24,5 milyar TL&#8217;lik negatif etkinin sonucunda, net ticari zarar 5.288.979 bin TL olarak ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n<li><b>Faaliyet Br\u00fct K\u00e2r\u0131:<\/b> 133.708.330 bin TL.<\/li>\n<li><b>Beklenen Zarar Kar\u015f\u0131l\u0131klar\u0131:<\/b> 30.462.872 bin TL tutar\u0131nda kar\u015f\u0131l\u0131k ayr\u0131lm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>4. Risk Y\u00f6netimi ve T\u00fcrev Ara\u00e7lar<\/h2>\n<p>Grup, finansal risklerini y\u00f6netmek amac\u0131yla aktif bir t\u00fcrev \u00fcr\u00fcn portf\u00f6y\u00fc kullanmaktad\u0131r.<\/p>\n<ul>\n<li><b>T\u00fcrev Finansal Ara\u00e7lar:<\/b> 31 Mart 2026 itibar\u0131yla toplam 3.741.674.206 bin TL tutar\u0131nda t\u00fcrev finansal ara\u00e7 hacmi bulunmaktad\u0131r. Bunun b\u00fcy\u00fck \u00e7o\u011funlu\u011funu (3,48 trilyon TL) al\u0131m-sat\u0131m ama\u00e7l\u0131 i\u015flemler olu\u015fturmaktad\u0131r.<\/li>\n<li><b>Riskten Korunma:<\/b> Sabit faizli enstr\u00fcmanlar\u0131n ger\u00e7e\u011fe uygun de\u011fer riskinden korunmak i\u00e7in faiz ve \u00e7apraz para swaplar\u0131 kullan\u0131lmaktad\u0131r.<\/li>\n<li><b>Nakit Ak\u0131\u015f Riski:<\/b> De\u011fi\u015fken faizli enstr\u00fcmanlar\u0131n nakit ak\u0131\u015f riskinden korunmak amac\u0131yla yap\u0131lan i\u015flemlerden do\u011fan etkin k\u0131s\u0131mlar \u00f6zkaynaklar alt\u0131nda muhasebele\u015ftirilmektedir.<\/li>\n<li><b>Net Yat\u0131r\u0131m Riski:<\/b> Yurt d\u0131\u015f\u0131 ba\u011fl\u0131 ortakl\u0131klar (GBI ve Garanti Holding BV) \u00fczerinden do\u011fan kur riski, uzun vadeli yabanc\u0131 para krediler ile korunmaktad\u0131r.<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>5. Muhasebe Politikalar\u0131 ve S\u0131n\u0131rl\u0131 Denetim Notlar\u0131<\/h2>\n<h3>5.1 Raporlama Esaslar\u0131<\/h3>\n<p>Finansal tablolar, BDDK Muhasebe ve Finansal Raporlama Mevzuat\u0131 ve TMS 34 &#8220;Ara D\u00f6nem Finansal Raporlama Standard\u0131&#8221; h\u00fck\u00fcmlerine uygun olarak haz\u0131rlanm\u0131\u015ft\u0131r.<\/p>\n<h3>5.2 Enflasyon Muhasebesi \u0130stisnas\u0131<\/h3>\n<p>TMS 29 &#8220;Y\u00fcksek Enflasyonlu Ekonomilerde Finansal Raporlama&#8221; standard\u0131n\u0131n normal \u015fartlarda uygulanmas\u0131 gerekmesine ra\u011fmen, BDDK&#8217;n\u0131n 18 Aral\u0131k 2025 tarihli ve 11340 say\u0131l\u0131 karar\u0131 uyar\u0131nca 2026 y\u0131l\u0131nda bankalar i\u00e7in enflasyon d\u00fczeltmesi yap\u0131lmamas\u0131na karar verilmi\u015ftir.<\/p>\n<h3>5.3 Denet\u00e7i G\u00f6r\u00fc\u015f\u00fc \u00d6zet<\/h3>\n<p>G\u00fcney Ba\u011f\u0131ms\u0131z Denetim (EY) taraf\u0131ndan haz\u0131rlanan 29 Nisan 2026 tarihli raporda:<\/p>\n<ul>\n<li>Ara d\u00f6nem konsolide finansal bilgilerin, Grubun finansal durumunu ve performans\u0131n\u0131 t\u00fcm \u00f6nemli y\u00f6nleriyle ger\u00e7e\u011fe uygun bir bi\u00e7imde yans\u0131tmad\u0131\u011f\u0131na dair bir bulguya rastlanmad\u0131\u011f\u0131 belirtilmi\u015ftir.<\/li>\n<li>Ara d\u00f6nem faaliyet raporundaki finansal bilgilerin, denetlenen tablolarla tutarl\u0131 oldu\u011fu teyit edilmi\u015ftir.<\/li>\n<\/ul>\n<button class=\"simplefavorite-button\" data-postid=\"2369\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorile <i class=<\/button>","protected":false},"excerpt":{"rendered":"<p>Garanti BBVA, 80. kurulu\u015f y\u0131l\u0131nda s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcme ve dijital d\u00f6n\u00fc\u015f\u00fcm odakl\u0131 stratejisiyle 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde 33.6 milyar TL net k\u00e2r a\u00e7\u0131klad\u0131. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 5 trilyon TL s\u0131n\u0131r\u0131na dayanan banka, ekonomiye sa\u011flad\u0131\u011f\u0131 3.5 trilyon TL&#8217;yi a\u015fan kredi deste\u011fi ve %30.3&#8217;l\u00fck \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 ile sekt\u00f6rdeki \u00f6nc\u00fc konumunu peki\u015ftirdi. 30.6 milyon m\u00fc\u015fteriye hizmet veren Garanti BBVA, teknolojiye yapt\u0131\u011f\u0131 6 milyar dolarl\u0131k yat\u0131r\u0131mla dijital bankac\u0131l\u0131kta 18.2 milyon aktif kullan\u0131c\u0131ya ula\u015ft\u0131.<\/p>\n","protected":false},"author":2,"featured_media":1725,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[336],"class_list":["post-2369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilancoanalizi","tag-garan"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2369","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2369"}],"version-history":[{"count":1,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2369\/revisions"}],"predecessor-version":[{"id":2370,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2369\/revisions\/2370"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media\/1725"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media?parent=2369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}