T\u00fcrkiye Garanti Bankas\u0131 A.\u015e<\/strong>. 31 Mart 2025 tarihli finansal tablolar\u0131n\u0131 a\u00e7\u0131klad\u0131. Banka\u2019n\u0131n konsolide finansal tablolar\u0131na g\u00f6re, y\u0131l\u0131n ilk 3 ay\u0131nda net k\u00e2r\u0131<\/strong> 25 milyar 398 milyon 699 bin TL oldu. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc<\/strong> 3 trilyon 498 milyar 288 milyon 811 bin TL seviyesinde ger\u00e7ekle\u015firken, ekonomiye nakdi ve gayri nakdi krediler<\/strong> arac\u0131l\u0131\u011f\u0131yla sa\u011flad\u0131\u011f\u0131 destek ise 2 trilyon 602 milyar 582 milyon 394 bin TL oldu. Fonlama baz\u0131n\u0131 dinamik bir \u015fekilde y\u00f6neten Garanti BBVA\u2019n\u0131n fonlama kaynaklar\u0131 i\u00e7indeki en b\u00fcy\u00fck a\u011f\u0131rl\u0131\u011f\u0131 %73 ile m\u00fc\u015fteri mevduatlar\u0131 olu\u015fturmaya devam etti. M\u00fc\u015fteri mevduat taban\u0131 2025 y\u0131l\u0131nda %21,4 b\u00fcy\u00fcme ile 2 trilyon 545 milyar 380 milyon 977 bin TL oldu. G\u00fc\u00e7l\u00fc sermaye oda\u011f\u0131n\u0131 koruyan Bankan\u0131n sermaye yeterlilik oran\u0131<\/strong> %16,2*, \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131<\/strong> %30,5, aktif k\u00e2rl\u0131l\u0131\u011f\u0131<\/strong> ise %3,2 seviyelerinde ger\u00e7ekle\u015fti<\/p>\n\n\n\n * BDDK\u2019n\u0131n ge\u00e7ici \u00f6nlemleri hari\u00e7 <\/em><\/p>\n\n\n\n Konuyla ilgili de\u011ferlendirmede bulunan Garanti BBVA Genel M\u00fcd\u00fcr\u00fc Mahmut Akten <\/strong>\u015funlar\u0131 s\u00f6yledi: \u201c2025 y\u0131l\u0131na dengeli bir makroekonomik g\u00f6r\u00fcn\u00fcmle ba\u015flad\u0131k ancak mart ay\u0131nda, i\u00e7eride ve d\u0131\u015far\u0131da ya\u015fad\u0131\u011f\u0131m\u0131z geli\u015fmelerin etkisiyle volatilitenin artt\u0131\u011f\u0131n\u0131 g\u00f6zlemliyoruz. Bu noktada Merkez Bankas\u0131\u2019n\u0131n zamanl\u0131 ve s\u0131k\u0131 duru\u015funun deste\u011fiyle \u00f6n\u00fcm\u00fczdeki d\u00f6nemde g\u00f6r\u00fcn\u00fcm\u00fcn yeniden dengeye oturaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz. Y\u0131l\u0131n ilk \u00e7eyre\u011finde enflasyondaki d\u00fc\u015f\u00fc\u015f, i\u00e7 talepteki canl\u0131l\u0131k ve finansal istikrar\u0131 destekleyen politikalar, sekt\u00f6r\u00fcm\u00fcz i\u00e7in olumlu bir zemin olu\u015fturdu. Biz de bu d\u00f6nemde, g\u00fc\u00e7l\u00fc finansal yap\u0131m\u0131z ve m\u00fc\u015fteri odakl\u0131 yakla\u015f\u0131m\u0131m\u0131zla ba\u015far\u0131l\u0131 bir performans sergiledik. G\u00fc\u00e7l\u00fc ba\u015flayan birinci \u00e7eyrekle beraber sermaye yap\u0131m\u0131z ve \u00e7evik bilan\u00e7o y\u00f6netimimiz, \u00f6n\u00fcm\u00fczdeki belirsizli\u011fi, daha \u00f6nceki d\u00f6nemlerde pek \u00e7ok kez g\u00f6sterdi\u011fimiz gibi ba\u015far\u0131yla y\u00f6netmemizi sa\u011flayacak. T\u00fcrk liras\u0131 kredilerde t\u00fcketici ve k\u00fc\u00e7\u00fck i\u015fletme kredilerinde \u00f6zel bankalar aras\u0131nda pazar pay\u0131 kazan\u0131p, g\u00fc\u00e7l\u00fc konumumuzu peki\u015ftirdik. Hem TL hem YP m\u00fc\u015fteri mevduatlar\u0131nda bir puan\u0131n \u00fczerinde pazar pay\u0131 kazand\u0131k. Bu performans, m\u00fc\u015fteri deneyimi oda\u011f\u0131m\u0131z, ili\u015fki bankac\u0131l\u0131\u011f\u0131ndaki ve dijitaldeki g\u00fcc\u00fcm\u00fcz\u00fcn bir yans\u0131mas\u0131.\u201d<\/p>\n\n\n\n Bankan\u0131n teknoloji ve inovasyon vizyonuna de\u011finen Akten<\/strong>, bu kapsamda yap\u0131lan \u00e7al\u0131\u015fmalar\u0131 \u015f\u00f6yle \u00f6zetledi: \u201c2025\u2019in ilk \u00e7eyre\u011finde 17 milyona yakla\u015fan aktif mobil m\u00fc\u015fterimizle, T\u00fcrkiye\u2019nin en \u00e7ok tercih edilen mobil bankac\u0131l\u0131k uygulamalar\u0131ndan biri olmaya devam ediyoruz. M\u00fc\u015fteri deneyimini s\u00fcrekli geli\u015ftirmek amac\u0131yla Garanti BBVA Mobil uygulamam\u0131z\u0131 ba\u015ftan sona yeniledik. Yeni tasar\u0131m\u0131yla sade ve kullan\u0131c\u0131 dostu bir aray\u00fcz sunan uygulamam\u0131z, ki\u015fiye \u00f6zel \u00f6neri ve hat\u0131rlatmalarla finans y\u00f6netimini daha verimli hale getiriyor. Ayr\u0131ca \u00f6zelle\u015ftirilebilir men\u00fc yap\u0131s\u0131 sayesinde, kullan\u0131c\u0131lar\u0131n uygulamay\u0131 kendi ihtiya\u00e7lar\u0131na g\u00f6re d\u00fczenlemesine olanak tan\u0131yarak zaman kazand\u0131r\u0131yor. Bunlara ek olarak, Garanti BBVA Mobil\u2019deki ak\u0131ll\u0131 asistan\u0131m\u0131z Ugi de yapay zek\u00e2 tabanl\u0131 b\u00fcy\u00fck dil modelleri (LLM) ile yenilendi. Belirli konu ba\u015fl\u0131klar\u0131nda standart yan\u0131tlar vermeden, bankan\u0131n veri kaynaklar\u0131n\u0131 tarayarak m\u00fc\u015fteriye \u00f6zel, dinamik ve hiper-ki\u015fiselle\u015ftirilmi\u015f \u00e7\u00f6z\u00fcmler sunuyor. Ugi, ilerleyen d\u00f6nemde de kendini s\u00fcrekli geli\u015ftirerek, ki\u015fiye \u00f6zel ve daha ak\u0131ll\u0131 yan\u0131tlarla t\u0131pk\u0131 bir ki\u015fisel asistan gibi hizmet vermeye devam edecek. Amac\u0131m\u0131z; m\u00fc\u015fterilerimizin ihtiya\u00e7 ve beklentilerine en uygun, ki\u015fiselle\u015ftirilmi\u015f bir deneyim sunmak.\u201d<\/p>\n\n\n\n Garanti BBVA\u2019n\u0131n stratejik \u00f6nceliklerine de de\u011finen Akten, <\/strong>\u201c2025 y\u0131l\u0131 i\u00e7in \u2018S\u00fcrd\u00fcr\u00fclebilir G\u00fc\u00e7l\u00fc B\u00fcy\u00fcme\u2019 \u2018En \u0130yi M\u00fc\u015fteri Deneyimi\u2019 \u2018S\u00fcrd\u00fcr\u00fclebilirlik\u2019 <\/strong>ve \u2018\u00c7al\u0131\u015fanlar\u0131m\u0131z\u2019<\/strong> \u015feklinde d\u00f6rt temel \u00f6ncelik belirledik. <\/strong>Bu \u00f6ncelikler do\u011frultusunda t\u00fcm i\u015f s\u00fcre\u00e7lerimizi yeniden \u015fekillendiriyor, m\u00fc\u015fterilerimize de\u011fer yaratmaya odaklan\u0131yoruz. G\u00fc\u00e7l\u00fc sermaye yap\u0131m\u0131z ve s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcme stratejimizle T\u00fcrkiye’nin ekonomik ve sosyal geli\u015fimine katk\u0131 sa\u011flamaya devam edece\u011fiz. Bankam\u0131z\u0131n y\u0131l\u0131n ilk \u00e7eyre\u011finde ula\u015ft\u0131\u011f\u0131 sonu\u00e7larda eme\u011fi ge\u00e7en t\u00fcm \u00e7al\u0131\u015fma arkada\u015flar\u0131ma, bize g\u00fcvenen ve destekleyen t\u00fcm payda\u015flar\u0131m\u0131za te\u015fekk\u00fcr ederim.\u201d dedi.<\/p>\n\n\n\n Garanti BBVA\u2019n\u0131n Se\u00e7ilmi\u015f Konsolide Finansal G\u00f6stergeleri \u2013 31 Mart 2025<\/strong><\/p>\n\n\n\n Garanti BBVA, 2025’in ilk \u00e7eyre\u011finde 25,4 milyar TL net k\u00e2r elde etti. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 3,5 trilyon TL\u2019yi a\u015farken, m\u00fc\u015fteri mevduatlar\u0131 %21,4 art\u0131\u015fla 2,5 trilyon TL\u2019ye…<\/p>\n","protected":false},"author":6,"featured_media":1576,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_customify_content_layout":"","_customify_sidebar":"","_customify_page_header_display":"default","_customify_disable_header":"","_customify_disable_header_top":"","_customify_disable_header_main":"","_customify_disable_header_bottom":"","_customify_disable_page_title":"","_customify_disable_content_vertical_padding":"","_customify_disable_footer_top":"","_customify_disable_footer_main":"","_customify_disable_footer_bottom":"","_customify_breadcrumb_display":"","_customify_header_transparent_display":"","footnotes":""},"categories":[16],"tags":[],"class_list":["post-1575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haber"],"_links":{"self":[{"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/posts\/1575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/comments?post=1575"}],"version-history":[{"count":1,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/posts\/1575\/revisions"}],"predecessor-version":[{"id":1577,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/posts\/1575\/revisions\/1577"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/media\/1576"}],"wp:attachment":[{"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/media?parent=1575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/categories?post=1575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mallandmotto.com\/index.php\/wp-json\/wp\/v2\/tags?post=1575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Ba\u015fl\u0131ca Bilan\u00e7o Kalemleri (TL Bin)<\/strong><\/td> Cari D\u00f6nem
31.03.2025<\/strong><\/td>\u00d6nceki D\u00f6nem
31.12.2024<\/strong><\/td>De\u011fi\u015fim<\/strong> <\/strong>%\u0394 <\/td><\/tr> Toplam Aktifler<\/td> 3.498.288.811 <\/td> 3.002.579.379 <\/td> 16,5%<\/td><\/tr> Krediler*<\/td> 1.985.190.259 <\/td> 1.776.363.816 <\/td> 11,8%<\/td><\/tr> -Canl\u0131 Krediler<\/em><\/td> 1.937.117.283 <\/em><\/td> 1.738.553.379 <\/em><\/td> 11,4%<\/em><\/td><\/tr> -Takipteki Krediler<\/em><\/td> 48.072.976 <\/em><\/td> 37.810.437 <\/em><\/td> 27,1%<\/em><\/td><\/tr> M\u00fc\u015fteri Mevduatlar\u0131<\/td> 2.545.380.977 <\/td> 2.096.355.514 <\/td> 21,4%<\/td><\/tr> \u00d6zsermaye<\/td> 340.666.959 <\/td> 331.407.821 <\/td> 2,8%<\/td><\/tr> *Finansal Kiralama ve Faktoring alacaklar\u0131n\u0131 i\u00e7ermemektedir.<\/em><\/td> <\/td> <\/td> <\/td><\/tr> Ba\u015fl\u0131ca Gelir Kalemleri (TL Bin)<\/strong><\/td> Cari D\u00f6nem
31.03.2025<\/strong><\/td>\u00d6nceki D\u00f6nem
31.03.2024<\/strong><\/td>De\u011fi\u015fim <\/strong>%\u0394 <\/td><\/tr> Net Faiz Geliri<\/td> 39.321.741 <\/td> 24.939.752 <\/td> 57,7%<\/td><\/tr> Operasyonel Giderler<\/td> 35.645.369 <\/td> 21.779.664 <\/td> 63,7%<\/td><\/tr> -Personel Giderleri<\/em><\/td> 13.561.064 <\/em><\/td> 8.640.634 <\/em><\/td> 56,9%<\/em><\/td><\/tr> -Di\u011fer Faaliyet Giderleri<\/em><\/td> 22.084.305 <\/em><\/td> 13.139.030 <\/em><\/td> 68,1%<\/em><\/td><\/tr> Net \u00dccret ve Komisyonlar<\/td> 30.383.178 <\/td> 19.626.300 <\/td> 54,8%<\/td><\/tr> Net K\u00e2r<\/td> 25.398.699 <\/td> 22.479.583 <\/td> 13,0%<\/td><\/tr> <\/td> <\/td> <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"