{"id":183,"date":"2026-06-13T13:08:57","date_gmt":"2026-06-13T10:08:57","guid":{"rendered":"https:\/\/tabildot.com.tr\/tv\/?p=183"},"modified":"2026-06-13T13:10:49","modified_gmt":"2026-06-13T10:10:49","slug":"%f0%9f%94%b4-halkb-2026-03-bilanco-analizi-turkiye-halk-bankasi-a-s-halkbankin-sifir-cezali-davasi-ve-k","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/tv\/arsivler\/183","title":{"rendered":"\ud83d\udd34 HALKB 2026-03 Bilan\u00e7o Analizi | T\u00fcrkiye Halk Bankas\u0131 A.\u015e. (Halkbank&#8217;\u0131n s\u0131f\u0131r cezal\u0131 davas\u0131 ve k&#8230;"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"\ud83d\udd34 HALKB 2026-03 Bilan\u00e7o Analizi | T\u00fcrkiye Halk Bankas\u0131 A.\u015e. (Halkbank&amp;apos;\u0131n s\u0131f\u0131r cezal\u0131 davas\u0131 ve k...\" width=\"858\" height=\"644\" src=\"https:\/\/www.youtube.com\/embed\/BMAC9knr_PE?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<p>Temel Borsa ve De\u011ferleme Oranlar\u0131 \u2022 Piyasa De\u011feri: 327.338.485.680 TL (Yakla\u015f\u0131k 327,3 milyar TL) \u2022 Net D\u00f6nem K\u00e2r\u0131: 9.946.367.000 TL (Yakla\u015f\u0131k 9,95 milyar TL) \u2022 Y\u0131ll\u0131k Net K\u00e2r De\u011fi\u015fimi: %36,94 art\u0131\u015f \u2022 Fiyat\/Kazan\u00e7 (F\/K) Oran\u0131: 8,23 \u2022 Piyasa De\u011feri \/ Defter De\u011feri (PD\/DD): 1,42 \u2022 Hisse Ba\u015f\u0131na Defter De\u011feri: 32,16 TL \u2022 Firma De\u011feri: Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde &#8220;Net Bor\u00e7&#8221; kavram\u0131 sanayi \u015firketlerinden farkl\u0131 i\u015fledi\u011fi (mevduat ana hammadde oldu\u011fu) i\u00e7in firma de\u011feri genellikle piyasa de\u011ferine \u00e7ok yak\u0131n kabul edilir. Ancak teknik toplam \u00fczerinden bak\u0131ld\u0131\u011f\u0131nda yakla\u015f\u0131k 4,4 trilyon TL seviyelerindedir \u2022 \u015eirketin Net Borcu ve Nakit Durumu: Bankalar do\u011fas\u0131 gere\u011fi &#8220;nette bor\u00e7lu&#8221; kurumlard\u0131r \u00e7\u00fcnk\u00fc toplad\u0131klar\u0131 mevduatlar birer bor\u00e7 kalemidir. Mart 2026 itibar\u0131yla bankan\u0131n 857,5 milyar TL nakit ve nakit benzeri varl\u0131\u011f\u0131na kar\u015f\u0131l\u0131k, 4,11 trilyon TL tutar\u0131nda finansal y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc (mevduat + al\u0131nan krediler + ihra\u00e7 edilen menkul k\u0131ymetler) bulunmaktad\u0131r. Bu durum bir banka i\u00e7in ola\u011fan operasyonel yap\u0131y\u0131 temsil eder \u2022 Varl\u0131klar\u0131n Finansman Oran\u0131: \u2022 \u00d6zkaynaklardaki De\u011fi\u015fim: 2025 sonuna g\u00f6re %3,65 art\u0131\u015f (222,9 milyar TL&#8217;den 231,1 milyar TL&#8217;ye y\u00fckseli\u015f) \u2022 Finansal Bor\u00e7lardaki De\u011fi\u015fim: 2025 sonuna g\u00f6re %3,10 art\u0131\u015f (3,99 trilyon TL&#8217;den 4,11 trilyon TL&#8217;ye y\u00fckseli\u015f) \u2022 Net Faiz Geliri (Sat\u0131\u015f Hacmi Yerine Ge\u00e7er) De\u011fi\u015fimi: %113,7 art\u0131\u015f (17,8 milyar TL&#8217;den 38,1 milyar TL&#8217;ye s\u0131\u00e7rama) \u2022 Esas Faaliyet K\u00e2r\u0131ndaki De\u011fi\u015fim: %145,3 art\u0131\u015f (6,2 milyar TL&#8217;den 15,3 milyar TL&#8217;ye y\u00fckseli\u015f) \u2022 \u00d6zkaynak K\u00e2rl\u0131l\u0131\u011f\u0131ndaki (ROE) De\u011fi\u015fim: %20,72 art\u0131\u015f (2025 sonundaki %14,72 seviyesinden %17,77&#8217;ye y\u00fckseli\u015f) \u2022 Sermaye Yeterlilik Rasyosu (SYR): %12,98 (Yasal s\u0131n\u0131rlar\u0131n \u00fczerinde ancak 2025 sonuna g\u00f6re bir miktar gerilemi\u015f durumdad\u0131r) \u2022 Takipteki Krediler Oran\u0131 (NPL): %4,12 (Kredi portf\u00f6y\u00fc kalitesini g\u00f6sterir, 2025 sonundaki %3,89&#8217;a g\u00f6re hafif bir art\u0131\u015f g\u00f6zlenmektedir) \u2022 Mevduat\u0131n Krediye D\u00f6n\u00fc\u015f\u00fcm Oran\u0131: %65,34 (Bankan\u0131n toplad\u0131\u011f\u0131 mevduat\u0131n ne kadar\u0131n\u0131 krediye d\u00f6n\u00fc\u015ft\u00fcrd\u00fc\u011f\u00fcn\u00fc g\u00f6sterir, verimlilik a\u00e7\u0131s\u0131ndan %58 seviyesinden buraya y\u00fckselmesi pozitiftir) \u2022 Likit Varl\u0131klar\u0131n Toplam Aktiflere Oran\u0131: %18,4 (Nakit ve nakit benzerlerinin toplam varl\u0131klara oran\u0131 bankan\u0131n likidite g\u00fcc\u00fcn\u00fc simgeler) Bor\u00e7luluk ve Finansman Yap\u0131s\u0131K\u00e2rl\u0131l\u0131k ve Faaliyet Verileri (Mart 2025 &#8211; Mart 2026 Kar\u015f\u0131la\u015ft\u0131rmal\u0131)Dikkat \u00c7eken Di\u011fer \u00d6nemli Oranlar<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Temel Borsa ve De\u011ferleme Oranlar\u0131 \u2022 Piyasa De\u011feri: 327.338.485.680 TL (Yakla\u015f\u0131k 327,3 milyar TL) \u2022 Net D\u00f6nem K\u00e2r\u0131: 9.946.367.000 TL (Yakla\u015f\u0131k 9,95 milyar TL) \u2022 Y\u0131ll\u0131k Net K\u00e2r De\u011fi\u015fimi: %36,94 art\u0131\u015f \u2022 Fiyat\/Kazan\u00e7 (F\/K) Oran\u0131: 8,23 \u2022 Piyasa De\u011feri \/&#8230; <\/p>\n","protected":false},"author":2,"featured_media":184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[7,19,15,25],"class_list":["post-183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-risk","tag-2026-03","tag-2026-03-bilanco-analizi","tag-bilanco-analizi","tag-halkb"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/posts\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/comments?post=183"}],"version-history":[{"count":1,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/posts\/183\/revisions"}],"predecessor-version":[{"id":185,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/posts\/183\/revisions\/185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/media\/184"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/media?parent=183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/categories?post=183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/tv\/wp-json\/wp\/v2\/tags?post=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}