{"id":2545,"date":"2026-06-19T21:53:48","date_gmt":"2026-06-19T18:53:48","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2545"},"modified":"2026-06-20T00:07:15","modified_gmt":"2026-06-19T21:07:15","slug":"bilano-analizi-copy-6","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2545","title":{"rendered":"\u0130\u015f Bankas\u0131 2026 1. \u00c7eyrek Bilan\u00e7o Analizi ve Finansal Sonu\u00e7lar"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"\u0130\u015f Bankas\u0131 2026 1. \u00c7eyrek Bilan\u00e7o Analizi ve Finansal Sonu\u00e7lar (\u0130\u015f Bankas\u0131&amp;apos;n\u0131n 25 Milyar Liral\u0131k ...\" width=\"858\" height=\"644\" src=\"https:\/\/www.youtube.com\/embed\/Hr0kyTa0264?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h1>T\u00fcrkiye \u0130\u015f Bankas\u0131 A.\u015e. 31 Mart 2026 Konsolide Finansal Brifing Raporu<\/h1>\n<p>Bu rapor, T\u00fcrkiye \u0130\u015f Bankas\u0131 A.\u015e.\u2019nin (&#8220;Banka&#8221; veya &#8220;Ana Ortakl\u0131k Banka&#8221;) ve konsolidasyona tabi ortakl\u0131klar\u0131n\u0131n (&#8220;Grup&#8221;) 31 Mart 2026 tarihi itibar\u0131yla sona eren \u00fc\u00e7 ayl\u0131k d\u00f6neme ait konsolide finansal tablolar\u0131n\u0131, faaliyet sonu\u00e7lar\u0131n\u0131 ve stratejik konumland\u0131rmas\u0131n\u0131 sentezlemektedir.<\/p>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>T\u00fcrkiye \u0130\u015f Bankas\u0131 Grubu, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde g\u00fc\u00e7l\u00fc bir finansal b\u00fcy\u00fcme ve operasyonel dayan\u0131kl\u0131l\u0131k sergilemi\u015ftir. Grubun toplam varl\u0131klar\u0131 Mart 2026 itibar\u0131yla <b>5.782,9 milyar TL<\/b> seviyesine ula\u015f\u0131rken, d\u00f6nem net k\u00e2r\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re belirgin bir art\u0131\u015f g\u00f6stererek <b>25.666,8 milyon TL<\/b> olarak ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n<p>Grubun finansal yap\u0131s\u0131, a\u011f\u0131rl\u0131kl\u0131 olarak mevduat tabanl\u0131 bir fonlama stratejisi ve kredi odakl\u0131 bir aktif yap\u0131s\u0131 \u00fczerine kuruludur. BDDK d\u00fczenlemeleri uyar\u0131nca 2026 y\u0131l\u0131nda enflasyon muhasebesi (TMS 29) uygulanmam\u0131\u015f, finansal tablolar tarihi maliyet esaslar\u0131na g\u00f6re sunulmu\u015ftur. PwC taraf\u0131ndan ger\u00e7ekle\u015ftirilen s\u0131n\u0131rl\u0131 denetim sonucunda, finansal tablolar\u0131n ger\u00e7e\u011fe uygunlu\u011fu konusunda olumlu kanaate var\u0131lm\u0131\u015ft\u0131r.<\/p>\n<h2>1. Kurumsal Yap\u0131 ve Y\u00f6netim<\/h2>\n<h3>Kurulu\u015f ve Tarih\u00e7e<\/h3>\n<p>26 A\u011fustos 1924 tarihinde kurulan T\u00fcrkiye \u0130\u015f Bankas\u0131 A.\u015e., her t\u00fcrl\u00fc bankac\u0131l\u0131k i\u015flemini ger\u00e7ekle\u015ftirmek ve s\u0131nai\/mali sekt\u00f6rlerde te\u015febb\u00fcsler kurmak amac\u0131yla yap\u0131land\u0131r\u0131lm\u0131\u015ft\u0131r. Kurulu\u015fundan bu yana bankan\u0131n stat\u00fcs\u00fcnde k\u00f6kl\u00fc bir de\u011fi\u015fiklik ger\u00e7ekle\u015fmemi\u015ftir.<\/p>\n<h3>Sermaye Payla\u015f\u0131m\u0131 ve Ortakl\u0131k Yap\u0131s\u0131<\/h3>\n<p>Banka\u2019n\u0131n sermaye yap\u0131s\u0131, 31 Mart 2026 itibar\u0131yla istikrar\u0131n\u0131 korumaktad\u0131r:<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Ortak Ad\u0131 \/ Unvan\u0131<\/td>\n<td>Pay Oran\u0131 (%)<\/td>\n<td>Pay Tutar\u0131 (Bin TL)<\/td>\n<\/tr>\n<tr>\n<td>T. \u0130\u015f Bankas\u0131 A.\u015e. Mensuplar\u0131 Munzam Sosyal G\u00fcvenlik ve Yard\u0131mla\u015fma Sand\u0131\u011f\u0131 Vakf\u0131<\/td>\n<td>%38,66<\/td>\n<td>9.665.357<\/td>\n<\/tr>\n<tr>\n<td>Atat\u00fcrk Hisseleri (Cumhuriyet Halk Partisi taraf\u0131ndan temsil edilen)<\/td>\n<td>%28,09<\/td>\n<td>7.023.013<\/td>\n<\/tr>\n<tr>\n<td>Halka A\u00e7\u0131k Paylar<\/td>\n<td>%33,25<\/td>\n<td>8.311.630<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam<\/b><\/td>\n<td><b>%100,00<\/b><\/td>\n<td><b>25.000.000<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i>Not: Atat\u00fcrk hisselerinin temett\u00fc gelirleri vasiyet gere\u011fi T\u00fcrk Dil Kurumu ve T\u00fcrk Tarih Kurumu\u2019na b\u0131rak\u0131lm\u0131\u015ft\u0131r.<\/i><\/p>\n<h3>\u00dcst Y\u00f6netim<\/h3>\n<p>Y\u00f6netim Kurulu Ba\u015fkanl\u0131\u011f\u0131 g\u00f6revini <b>Adnan Bali<\/b>, Genel M\u00fcd\u00fcrl\u00fck g\u00f6revini ise <b>Hakan Aran<\/b> y\u00fcr\u00fctmektedir. Denetim Komitesi Ba\u015fkanl\u0131\u011f\u0131 g\u00f6revini Bahattin \u00d6zarslant\u00fcrk \u00fcstlenmi\u015ftir.<\/p>\n<h2>2. Konsolidasyon ve Grup \u015eirketleri<\/h2>\n<p>Grup, bankac\u0131l\u0131k d\u0131\u015f\u0131ndaki finansal alanlarda da geni\u015f bir i\u015ftirak portf\u00f6y\u00fcne sahiptir. Tam konsolidasyon y\u00f6ntemine g\u00f6re finansal tablolara dahil edilen ana kurulu\u015flar \u015funlard\u0131r:<\/p>\n<ul>\n<li><b>Sigorta ve Emeklilik:<\/b> Anadolu Anonim T\u00fcrk Sigorta \u015eirketi, Anadolu Hayat Emeklilik A.\u015e., Milli Reas\u00fcrans T.A.\u015e.<\/li>\n<li><b>Bankac\u0131l\u0131k ve Yat\u0131r\u0131m:<\/b> TSKB, \u0130\u015fbank AG (Almanya), JSC \u0130\u015fbank (Rusya), \u0130\u015f Yat\u0131r\u0131m Menkul De\u011ferler A.\u015e., \u0130\u015f Portf\u00f6y Y\u00f6netimi A.\u015e.<\/li>\n<li><b>Finansman Hizmetleri:<\/b> \u0130\u015f Finansal Kiralama A.\u015e., \u0130\u015f Faktoring A.\u015e., Efes Varl\u0131k Y\u00f6netim A.\u015e.<\/li>\n<li><b>Gayrimenkul:<\/b> \u0130\u015f GYO A.\u015e., TSKB GYO A.\u015e.<\/li>\n<\/ul>\n<p>Arap T\u00fcrk Bankas\u0131 A.\u015e. ve MOKA United \u00d6deme Hizmetleri ise <b>\u00f6zkaynak y\u00f6ntemi<\/b> ile muhasebele\u015ftirilmi\u015ftir.<\/p>\n<h2>3. Finansal Performans Analizi<\/h2>\n<h3>Bilan\u00e7o Geli\u015fimi (Varl\u0131klar ve Y\u00fck\u00fcml\u00fcl\u00fckler)<\/h3>\n<p>Grubun bilan\u00e7o b\u00fcy\u00fckl\u00fc\u011f\u00fc 2025 y\u0131l sonuna g\u00f6re yakla\u015f\u0131k %7,3 oran\u0131nda b\u00fcy\u00fcm\u00fc\u015ft\u00fcr.<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Kalem (Bin TL)<\/td>\n<td>31\/03\/2026<\/td>\n<td>31\/12\/2025<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Varl\u0131klar<\/b><\/td>\n<td><b>5.782.905.466<\/b><\/td>\n<td><b>5.389.338.141<\/b><\/td>\n<\/tr>\n<tr>\n<td>&#8211; Nakit ve MB (Net)<\/td>\n<td>1.173.191.768<\/td>\n<td>1.076.235.615<\/td>\n<\/tr>\n<tr>\n<td>&#8211; Krediler (Net)<\/td>\n<td>2.916.354.948<\/td>\n<td>2.716.991.252<\/td>\n<\/tr>\n<tr>\n<td>&#8211; Maddi Duran Varl\u0131klar<\/td>\n<td>98.824.675<\/td>\n<td>97.694.739<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Y\u00fck\u00fcml\u00fcl\u00fckler<\/b><\/td>\n<td><b>5.782.905.466<\/b><\/td>\n<td><b>5.389.338.141<\/b><\/td>\n<\/tr>\n<tr>\n<td>&#8211; Mevduat<\/td>\n<td>3.342.885.689<\/td>\n<td>3.172.838.500<\/td>\n<\/tr>\n<tr>\n<td>&#8211; \u00d6zkaynaklar<\/td>\n<td>498.064.676<\/td>\n<td>504.818.783<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>\u00d6nemli Tespitler:<\/b><\/p>\n<ul>\n<li><b>Kredi B\u00fcy\u00fcmesi:<\/b> Krediler, toplam varl\u0131klar\u0131n yakla\u015f\u0131k %50&#8217;sini olu\u015fturarak aktif yap\u0131s\u0131ndaki ana a\u011f\u0131rl\u0131\u011f\u0131n\u0131 korumu\u015ftur.<\/li>\n<li><b>Mevduat Taban\u0131:<\/b> Toplam y\u00fck\u00fcml\u00fcl\u00fcklerin %57,8&#8217;ini olu\u015fturan mevduatlar, bankan\u0131n en kritik fonlama kayna\u011f\u0131 olmaya devam etmektedir.<\/li>\n<\/ul>\n<h3>Gelir ve Gider Analizi<\/h3>\n<p>2026&#8217;n\u0131n ilk \u00e7eyre\u011finde k\u00e2rl\u0131l\u0131k rasyolar\u0131 g\u00fc\u00e7l\u00fc bir seyir izlemi\u015ftir.<\/p>\n<ul>\n<li><b>Net Faiz Geliri:<\/b> 57.747 milyon TL (\u00d6nceki d\u00f6nem: 31.012 milyon TL).<\/li>\n<li><b>Net \u00dccret ve Komisyon Gelirleri:<\/b> 35.766 milyon TL.<\/li>\n<li><b>Ticari Kar (Net):<\/b> 2.351 milyon TL. Bu kalem alt\u0131nda kambiyo i\u015flemlerinden 19,2 milyar TL k\u00e2r elde edilirken, t\u00fcrev finansal i\u015flemlerden 22,4 milyar TL zarar kaydedilmi\u015ftir.<\/li>\n<li><b>Personel Giderleri:<\/b> 25.958 milyon TL seviyesinde ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n<\/ul>\n<h2>4. Muhasebe Politikalar\u0131 ve Risk Y\u00f6netimi<\/h2>\n<h3>Enflasyon Muhasebesi (TMS 29) Uygulamas\u0131<\/h3>\n<p>BDDK&#8217;n\u0131n ald\u0131\u011f\u0131 \u00e7e\u015fitli kararlar (12.12.2023, 11.01.2024 ve 18.12.2025 tarihli kararlar) neticesinde, bankalar ve finansal kurulu\u015flar\u0131n 2026 y\u0131l\u0131nda da enflasyon d\u00fczeltmesine tabi tutulmayaca\u011f\u0131 ilan edilmi\u015ftir. Bu nedenle, 31.03.2026 tarihli raporlarda TMS 29 h\u00fck\u00fcmleri uygulanmam\u0131\u015ft\u0131r.<\/p>\n<h3>Sigorta Standartlar\u0131 (TFRS 17)<\/h3>\n<p>&#8220;Sigorta S\u00f6zle\u015fmeleri&#8221; standard\u0131 olan TFRS 17\u2019nin uygulama tarihi, KGK kararlar\u0131yla bankalar ve sigorta i\u015ftirakleri i\u00e7in 01.01.2027 tarihine ertelenmi\u015ftir.<\/p>\n<h3>Finansal Risk Stratejileri<\/h3>\n<ul>\n<li><b>Likidite Riski:<\/b> Grup, likidite ihtiyac\u0131n\u0131 yayg\u0131n muhabir a\u011f\u0131, piyasa yap\u0131c\u0131l\u0131\u011f\u0131 ve TCMB imk\u00e2nlar\u0131 ile kontrol alt\u0131nda tutmaktad\u0131r. D\u00f6viz bazl\u0131 ihtiya\u00e7lar i\u00e7in para swaplar\u0131 aktif olarak kullan\u0131lmaktad\u0131r.<\/li>\n<li><b>Kur Riski:<\/b> \u0130\u015fbank AG (Almanya) \u00fczerindeki net yat\u0131r\u0131m riskine kar\u015f\u0131 Kas\u0131m 2023&#8217;ten itibaren &#8220;Net Yat\u0131r\u0131m Riskinden Korunma Muhasebesi&#8221; uygulanmaktad\u0131r. Bu kapsamda 466,7 milyon Euro tutar\u0131ndaki vadesiz mevduat korunma arac\u0131 olarak belirlenmi\u015ftir.<\/li>\n<li><b>De\u011fer D\u00fc\u015f\u00fckl\u00fc\u011f\u00fc:<\/b> Finansal varl\u0131klar TFRS 9 kapsam\u0131nda beklenen kredi zarar kar\u015f\u0131l\u0131\u011f\u0131 modeline g\u00f6re (90 g\u00fcn gecikme gibi kriterler baz al\u0131narak) de\u011ferlendirilmektedir.<\/li>\n<\/ul>\n<h2>5. Naz\u0131m Hesaplar ve Bilan\u00e7o D\u0131\u015f\u0131 Taahh\u00fctler<\/h2>\n<p>Grup, bilan\u00e7o i\u00e7i kalemlerin yan\u0131 s\u0131ra \u00f6nemli d\u00fczeyde garanti ve taahh\u00fct hacmi y\u00f6netmektedir:<\/p>\n<ul>\n<li><b>Garanti ve Kefaletler:<\/b> 978,4 milyar TL (Teminat mektuplar\u0131 a\u011f\u0131rl\u0131kl\u0131).<\/li>\n<li><b>Taahh\u00fctler:<\/b> 2.697,6 milyar TL (Kredi kart\u0131 harcama limit taahh\u00fctleri 1.855,6 milyar TL ile en b\u00fcy\u00fck kalemi olu\u015fturmaktad\u0131r).<\/li>\n<li><b>T\u00fcrev Finansal Ara\u00e7lar:<\/b> Toplam 2.832 milyar TL hacminde t\u00fcrev i\u015flem hacmi mevcuttur; bu i\u015flemlerin b\u00fcy\u00fck \u00e7o\u011funlu\u011fu (1.756,8 milyar TL) para ve faiz swaplar\u0131ndan olu\u015fmaktad\u0131r.<\/li>\n<\/ul>\n<h2>Sonu\u00e7<\/h2>\n<p>31 Mart 2026 d\u00f6nemi itibar\u0131yla T\u00fcrkiye \u0130\u015f Bankas\u0131 Grubu, b\u00fcy\u00fcme stratejisini mevduat g\u00fcc\u00fc ve geni\u015f i\u015ftirak yap\u0131s\u0131 ile desteklemeye devam etmektedir. Faiz marjlar\u0131ndaki geli\u015fim ve komisyon gelirlerindeki art\u0131\u015f, Grubun net k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 \u00f6nceki y\u0131l\u0131n ayn\u0131 \u00e7eyre\u011fine g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde yukar\u0131 ta\u015f\u0131m\u0131\u015ft\u0131r. D\u00fczenleyici otoritenin enflasyon muhasebesi ve yeni sigorta standartlar\u0131na dair erteleme kararlar\u0131, d\u00f6nemin mali sunum esaslar\u0131n\u0131 belirleyen ana unsurlar olmu\u015ftur.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"2545\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorile <i class=<\/button>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye \u0130\u015f Bankas\u0131 2026 y\u0131l\u0131na ait ilk \u00e7eyrek finansal sonu\u00e7lar\u0131n\u0131 kamuoyuyla payla\u015ft\u0131. K\u00fcresel belirsizliklerin ve jeopolitik gerginliklerin artt\u0131\u011f\u0131 bir d\u00f6nemde 5,8 trilyon TL aktif b\u00fcy\u00fckl\u00fc\u011fe ula\u015fan banka, ekonomiye sa\u011flad\u0131\u011f\u0131 4 trilyon TL&#8217;lik dev kaynakla \u00f6zel bankalar aras\u0131ndaki liderli\u011fini peki\u015ftirdi. 25,7 milyar TL k\u00e2r rakam\u0131n\u0131n yan\u0131 s\u0131ra T\u00fcrkiye&#8217;nin ilk mavi tahvil ihrac\u0131 ve s\u00fcrd\u00fcr\u00fclebilirlik odakl\u0131 yeni nesil bankac\u0131l\u0131k vizyonuna dair t\u00fcm detaylar\u0131 yaz\u0131m\u0131zda bulabilirsiniz<\/p>\n","protected":false},"author":5,"featured_media":1725,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[211],"class_list":["post-2545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilancoanalizi","tag-isctr"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2545","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2545"}],"version-history":[{"count":2,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2545\/revisions"}],"predecessor-version":[{"id":2549,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2545\/revisions\/2549"}],"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=2545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}