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T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 31 Aral\u0131k 2023 tarihli finansal tablolar\u0131n\u0131 a\u00e7\u0131klad\u0131. Banka\u2019n\u0131n konsolide finansal tablolar\u0131na g\u00f6re, 2023 y\u0131l\u0131 net k\u00e2r\u0131 86 milyar 907 milyon 216 bin TL oldu. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 2 trilyon 201 milyar 713 milyon 095 bin TL seviyesinde ger\u00e7ekle\u015firken, ekonomiye nakdi ve gayri nakdi krediler arac\u0131l\u0131\u011f\u0131yla sa\u011flad\u0131\u011f\u0131 destek ise destek 1 trilyon 613 milyar 753 milyon 675 bin TL oldu.<\/p>\n

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 2023 y\u0131l\u0131nda %77 b\u00fcy\u00fcme ile 1 trilyon 602 milyar 608 milyon 112 bin TL oldu. G\u00fc\u00e7l\u00fc sermaye oda\u011f\u0131n\u0131 koruyan Bankan\u0131n sermaye yeterlilik oran\u0131 %16.5*, \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 %44.5, aktif k\u00e2rl\u0131l\u0131\u011f\u0131 ise %4.9 seviyelerinde ger\u00e7ekle\u015fti.<\/p>\n

Konuyla ilgili bilgi veren Garanti BBVA Genel M\u00fcd\u00fcr\u00fc Recep Ba\u015ftu\u011f; \u201c2023 y\u0131l\u0131, may\u0131s se\u00e7imleri \u00f6ncesi ve sonras\u0131 olarak ayr\u0131\u015fan, iki farkl\u0131 ekonomik politikan\u0131n uyguland\u0131\u011f\u0131 bir y\u0131l oldu. Her iki d\u00f6nemde de bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn rotas\u0131n\u0131 makro-ihtiyat\u0131 \u00f6nlemler ve reg\u00fclasyonlar belirlerken, kur korumal\u0131 mevduat bankalar\u0131n temel odak noktas\u0131 halindeydi. Se\u00e7ime kadar kur korumal\u0131 mevduata ge\u00e7i\u015f, se\u00e7im sonras\u0131nda ise kur korumal\u0131 mevduattan T\u00fcrk Liras\u0131 mevduata d\u00f6n\u00fc\u015f sekt\u00f6r\u00fcn ana g\u00fcndemiydi. Ancak, bankalar bu iki farkl\u0131 d\u00fcnyaya kendilerini h\u0131zl\u0131ca adapte etmeyi ba\u015fard\u0131. Bununla birlikte k\u00e2rl\u0131l\u0131k ve marj y\u00f6netimi sekt\u00f6rde temel sorun olarak devam etti. Sermaye getirileri, ge\u00e7ti\u011fimiz son birka\u00e7 y\u0131lda oldu\u011fu gibi enflasyonun ve di\u011fer sekt\u00f6r sermaye getirilerinin olduk\u00e7a alt\u0131nda kald\u0131. 2023, sorunlu kredilerde son d\u00f6nemlerin en d\u00fc\u015f\u00fck art\u0131\u015f\u0131na sahne oldu. Ancak y\u0131l\u0131n ikinci yar\u0131s\u0131nda belirgin bir dengelenme g\u00f6r\u00fclmeye ba\u015flad\u0131 ve 2024 risk maliyetlerinin de normalle\u015fti\u011fi bir y\u0131l olacak.\u201d dedi. <\/p>\n

Ba\u015ftu\u011f s\u00f6zlerine \u015f\u00f6yle devam etti; Se\u00e7im sonras\u0131nda politika de\u011fi\u015fimi ile ya\u015fanan sadele\u015fme, KKM bakiyesinin d\u00fc\u015fmesi, kur ve faizin \u00f6ng\u00f6r\u00fclebilirli\u011fi, kredi derecelendirme kurumlar\u0131ndan gelen pozitif ad\u0131mlar ve normalle\u015fmeye ba\u015flayan \u00fclke risk primi ile artan yabanc\u0131 ilgisi 2023 y\u0131l\u0131n\u0131n son d\u00f6neminde olumlu fakt\u00f6rler olarak \u00f6ne \u00e7\u0131kt\u0131. Mart ay\u0131ndaki yerel se\u00e7imden sonraki d\u00f6rt y\u0131l boyunca \u00fclkede bir se\u00e7im olmay\u0131\u015f\u0131 enflasyonla m\u00fccadeleye y\u00f6nelik politikalar\u0131n uygulanmaya devam edece\u011fine dair beklentimizi destekliyor.<\/p>\n

Ba\u015ftu\u011f bilan\u00e7o b\u00fcy\u00fcmelerinin bundan sonra dijitalle\u015fmeyle de \u015fekillenece\u011fini vurgulayarak \u015funlar\u0131 s\u00f6yledi; \u201cUla\u015ft\u0131\u011f\u0131m\u0131z hacimsel ve adetsel b\u00fcy\u00fckl\u00fcklerde dijitalle\u015fmenin \u00f6nemli bir katk\u0131s\u0131 var. \u015eubelerimizde yetkin \u00e7al\u0131\u015fma arkada\u015flar\u0131m\u0131z her ge\u00e7en g\u00fcn daha nitelikli ve dan\u0131\u015fman y\u00f6nlerini daha fazla ortaya koyan hizmetler sunarken, kitle y\u00f6netimi ve operasyonel i\u015flemler yapay zeka teknolojileri ekseninde y\u00fcr\u00fct\u00fcl\u00fcyor. Garanti BBVA olarak bug\u00fcn makine \u00f6\u011frenmesinden derin \u00f6\u011frenmeye \u00e7ok farkl\u0131 algoritmalarla kurulmu\u015f, pazarlama ve sat\u0131\u015f, fiyatlama, fraud, kredi de\u011ferlendirme, m\u00fc\u015fteri memnuniyeti gibi alanlarda y\u00fczlerce modelimiz bulunuyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde ise \u00fcretken yapay zek\u00e2 teknolojisi hayat\u0131m\u0131zda olacak. Mevcut verileri analiz etmenin \u00f6tesinde, yeni veri \u00fcreterek yeni i\u00e7erik ortaya koyabilen \u00fcretken yapay zek\u00e2 ile daha geni\u015f bir m\u00fc\u015fteri taban\u0131na daha y\u00fcksek kalitede hizmet sunabilece\u011fiz. Hedefimiz; mobil uygulamam\u0131z i\u00e7erisinde yer alan ak\u0131ll\u0131 asistan\u0131m\u0131z\u0131, m\u00fc\u015fterilerimizin ihtiyac\u0131n\u0131 anlayan ve onlar\u0131 proaktif \u00f6nerilerle y\u00f6nlendiren, ki\u015fisel bir asistana d\u00f6n\u00fc\u015ft\u00fcrmek. Ayn\u0131 zamanda \u00e7al\u0131\u015fma arkada\u015flar\u0131m\u0131z\u0131n ve yeni yeteneklerin mutlu ve \u00fcyesi olmaktan gurur duyduklar\u0131 kurum olmaya devam ederek, m\u00fc\u015fteri mutlulu\u011funu \u00e7ok daha y\u00fckse\u011fe ta\u015f\u0131mak\u201d.<\/p>\n

Ba\u015ftu\u011f, T\u00fcrkiye Cumhuriyeti’nin 100. ya\u015f\u0131na tan\u0131kl\u0131k eden \u015fansl\u0131 bir kitle oldu\u011fumuzu hat\u0131rlatarak s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc: \u201cT\u00fcrkiye Cumhuriyeti gayri safi milli has\u0131las\u0131 1 trilyon dolar\u0131 bulan \u00fclkeler aras\u0131na girdi. Cumhuriyet’in de\u011ferlerinden ilham alan en b\u00fcy\u00fck \u00f6zel sekt\u00f6r bankalar\u0131ndan biri olarak ekonomik ve toplumsal kalk\u0131nma i\u00e7in \u00fczerimize d\u00fc\u015fen sorumlulu\u011fun fark\u0131nday\u0131z. Bizi bu yolculukta destekleyen ve bize g\u00fcvenen, ba\u015fta m\u00fc\u015fterilerimiz olmak \u00fczere t\u00fcm payda\u015flar\u0131m\u0131za te\u015fekk\u00fcr ediyorum.\u201d<\/p>\n

patronlardunyasi.com<\/strong><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Garanti BBVA, 2023 y\u0131l\u0131nda 86 milyar 907 milyon 216 bin TL konsolide net kar elde etti<\/p>\n","protected":false},"author":1,"featured_media":58860,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[63],"tags":[117,108,223,2223,294],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/posts\/58859"}],"collection":[{"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/comments?post=58859"}],"version-history":[{"count":1,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/posts\/58859\/revisions"}],"predecessor-version":[{"id":58861,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/posts\/58859\/revisions\/58861"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/media\/58860"}],"wp:attachment":[{"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/media?parent=58859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/categories?post=58859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nonamefx.com\/wp-json\/wp\/v2\/tags?post=58859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}