{"id":34,"date":"2026-06-15T10:53:58","date_gmt":"2026-06-15T07:53:58","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=34"},"modified":"2026-06-25T15:31:35","modified_gmt":"2026-06-25T12:31:35","slug":"odeabank-arastirmasi-turk-yatirimcinin-guvenli-limani-altin-olmayi-surduruyor","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/06\/15\/odeabank-arastirmasi-turk-yatirimcinin-guvenli-limani-altin-olmayi-surduruyor\/","title":{"rendered":"Odeabank Ara\u015ft\u0131rmas\u0131: T\u00fcrk Yat\u0131r\u0131mc\u0131n\u0131n G\u00fcvenli Liman\u0131 Alt\u0131n Olmay\u0131 S\u00fcrd\u00fcr\u00fcyor"},"content":{"rendered":"

Odeabank ve KONDA i\u015f birli\u011fiyle yap\u0131lan \u201cT\u00fcrkiye\u2019nin Finansal Okuryazarl\u0131k ve Yat\u0131r\u0131m Al\u0131\u015fkanl\u0131klar\u0131 Ara\u015ft\u0131rmas\u0131\u201d, T\u00fcrkiye\u2019de bireylerin finansal bilgi ve yat\u0131r\u0131m al\u0131\u015fkanl\u0131klar\u0131na \u0131\u015f\u0131k tuttu. Toplam 1425 ki\u015finin kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rma; finansal okuryazarl\u0131\u011f\u0131n yaln\u0131zca bilgi d\u00fczeyiyle de\u011fil, bireylerin g\u00fcnl\u00fck finansal davran\u0131\u015flar\u0131 ve karar alma tutumlar\u0131yla birlikte \u015fekillendi\u011fini g\u00f6sterdi.<\/strong><\/h2>\n

Odeabank\u2019\u0131n KONDA Ara\u015ft\u0131rma ve Dan\u0131\u015fmanl\u0131k i\u015f birli\u011fiyle, T\u00fcrkiye\u2019de kent ve metropol alanlar\u0131nda ya\u015fayan 1425 ki\u015fiyle 9-12 Nisan 2026 tarihleri aras\u0131nda ger\u00e7ekle\u015ftirdi\u011fi \u201cT\u00fcrkiye\u2019nin Finansal Okuryazarl\u0131k ve Yat\u0131r\u0131m Al\u0131\u015fkanl\u0131klar\u0131 Ara\u015ft\u0131rmas\u0131\u201d<\/strong>, T\u00fcrkiye\u2019de bireylerin finansal bilgi d\u00fczeyleri, yat\u0131r\u0131m tercihleri ve birikim davran\u0131\u015flar\u0131na ili\u015fkin dikkat \u00e7ekici sonu\u00e7lar ortaya koydu. Ara\u015ft\u0131rma, yat\u0131r\u0131m davran\u0131\u015flar\u0131nda al\u0131\u015fkanl\u0131klar\u0131n ve birikim reflekslerinin etkisini korudu\u011funu g\u00f6sterdi.<\/p>\n

Finansal ba\u015far\u0131da bilgi, zamanlama ve disiplin \u00f6ne \u00e7\u0131k\u0131yor<\/strong><\/h3>\n

Ara\u015ft\u0131rma, finansal okuryazarl\u0131\u011f\u0131n yaln\u0131zca teorik bilgiden ibaret olmad\u0131\u011f\u0131n\u0131; dijital finans ara\u00e7lar\u0131n\u0131n kullan\u0131m\u0131, deneyim ve sab\u0131r ile disiplin gibi ki\u015fisel \u00f6zelliklerle birlikte de\u011ferlendirilmesi gerekti\u011fini ortaya koyuyor. Toplumun yaln\u0131zca y\u00fczde 12\u2019si bu alanlar\u0131n tamam\u0131nda g\u00fc\u00e7l\u00fc bir profile sahipken, e\u011fitimli gen\u00e7lerin bilgiyi prati\u011fe d\u00f6n\u00fc\u015ft\u00fcrmekte zorland\u0131\u011f\u0131, baz\u0131 ileri ya\u015f gruplar\u0131n\u0131n ise s\u0131n\u0131rl\u0131 teknik bilgiye ra\u011fmen b\u00fct\u00e7elerini ba\u015far\u0131l\u0131 \u015fekilde y\u00f6netti\u011fi g\u00f6r\u00fcl\u00fcyor.<\/p>\n

Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 27\u2019si finansal ba\u015far\u0131n\u0131n temelinde bilgi ve analizin yer ald\u0131\u011f\u0131n\u0131 belirtirken, y\u00fczde 25\u2019i do\u011fru zamanlamay\u0131, y\u00fczde 24\u2019\u00fc ise sab\u0131r ve disiplini \u00f6n plana \u00e7\u0131kar\u0131yor. Ekonomik bilgi seviyesi artt\u0131k\u00e7a, ba\u015far\u0131y\u0131 bilgi ve analiz (y\u00fczde 38) ile do\u011fru zamanlama (y\u00fczde 34) fakt\u00f6rlerine ba\u011flama e\u011filimi de g\u00fc\u00e7leniyor.<\/p>\n

Alt\u0131n g\u00fcvenli liman olmay\u0131 s\u00fcrd\u00fcr\u00fcyor<\/strong><\/h3>\n

Ara\u015ft\u0131rma, yat\u0131r\u0131m alg\u0131s\u0131nda da \u00f6nemli bir k\u0131r\u0131lmaya dikkat \u00e7ekiyor. D\u00fczenli yat\u0131r\u0131m veya birikim yapt\u0131\u011f\u0131n\u0131 s\u00f6yleyenlerin oran\u0131 y\u00fczde 34 olurken, yat\u0131r\u0131m ara\u00e7lar\u0131ndan en az birine sahip olanlar\u0131n oran\u0131 y\u00fczde 52\u2019ye y\u00fckseliyor. Bu fark\u0131n merkezinde ise alt\u0131n yer al\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 35\u2019i alt\u0131n yat\u0131r\u0131m\u0131 yapt\u0131\u011f\u0131n\u0131 belirtmesine ra\u011fmen, yaln\u0131zca alt\u0131na yat\u0131r\u0131m yapan her 5 ki\u015fiden 2\u2019si bunu \u201cyat\u0131r\u0131m\u201d olarak tan\u0131mlam\u0131yor. Ara\u015ft\u0131rma sonu\u00e7lar\u0131, alt\u0131n\u0131n toplum nezdinde bir yat\u0131r\u0131m arac\u0131ndan \u00e7ok \u201cg\u00fcvende hissetme\u201d ve \u201ck\u00f6t\u00fc g\u00fcn i\u00e7in birikim yapma\u201d davran\u0131\u015f\u0131yla ili\u015fkilendirildi\u011fini ortaya koyuyor. Ara\u015ft\u0131rmada modern yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n kullan\u0131m oranlar\u0131n\u0131n ise h\u00e2l\u00e2 s\u0131n\u0131rl\u0131 oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Borsa yat\u0131r\u0131m\u0131 yapanlar\u0131n oran\u0131 y\u00fczde 7, yat\u0131r\u0131m fonu kullananlar\u0131n oran\u0131 y\u00fczde 3, kripto varl\u0131k sahibi olanlar\u0131n oran\u0131 ise y\u00fczde 2 seviyesinde bulunuyor. Ara\u015ft\u0131rma, kat\u0131l\u0131mc\u0131lar\u0131n yat\u0131r\u0131m tercihlerinde y\u00fcksek kazan\u00e7tan \u00e7ok g\u00fcvenilirlik, eri\u015filebilirlik ve d\u00fc\u015f\u00fck risk beklentisinin belirleyici oldu\u011funa dikkat \u00e7ekiyor. Genel toplum refleksi \u201c\u00f6nce harcamak, kalanla birikim yapmak\u201d \u015feklinde ilerliyor. Bu durum, yat\u0131r\u0131m k\u00fclt\u00fcr\u00fcn\u00fcn proaktif de\u011fil daha \u00e7ok reaktif bi\u00e7imde geli\u015fti\u011fine i\u015faret ediyor.<\/p>\n

Kad\u0131nlar ve gen\u00e7ler yat\u0131r\u0131m ekosisteminde daha g\u00f6r\u00fcn\u00fcr hale geliyor<\/strong><\/h3>\n

Ara\u015ft\u0131rman\u0131n \u00f6ne \u00e7\u0131kan sonu\u00e7lar\u0131ndan biri de kad\u0131nlar\u0131n yat\u0131r\u0131m ekosistemindeki y\u00fckselen rol\u00fc oldu. Son \u00fc\u00e7 ay i\u00e7inde yat\u0131r\u0131m yapmaya ba\u015flayanlar\u0131n y\u00fczde 71\u2019ini kad\u0131nlar olu\u015ftururken, gen\u00e7lerin yat\u0131r\u0131m d\u00fcnyas\u0131na ilgisinin de giderek artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. \u00d6zellikle 18-33 ya\u015f grubunun yeni yat\u0131r\u0131mc\u0131lar aras\u0131nda \u00f6nemli bir paya sahip olmas\u0131, finansal okuryazarl\u0131kta ku\u015faklar aras\u0131 davran\u0131\u015f de\u011fi\u015fimine i\u015faret ediyor. Finansal bilgi seviyesi gen\u00e7 ve orta ya\u015f grubunda zirveye ula\u015f\u0131rken, finansal \u00f6zg\u00fcven skorunun erkeklerde \u00e7ok daha y\u00fcksek oldu\u011fu g\u00f6zlemleniyor.<\/p>\n

Erkekler borsa, fon ve kripto gibi modern yat\u0131r\u0131m ara\u00e7lar\u0131nda daha bask\u0131n bir profil \u00e7izerken; kad\u0131nlar\u0131n sisteme daha \u00e7ok alt\u0131n \u00fczerinden dahil oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Beyaz yakal\u0131 ve \u00fcniversite mezunu kesim daha fazla finansal \u00fcr\u00fcn \u00e7e\u015fitlili\u011fine y\u00f6nelirken; i\u015f\u00e7i, esnaf ve \u00e7ift\u00e7i gruplar\u0131nda araba ve gayrimenkul gibi somut yat\u0131r\u0131mlar \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n

Finansal bilin\u00e7 art\u0131yor, al\u0131\u015fkanl\u0131klar ayn\u0131 h\u0131zda de\u011fi\u015fmiyor<\/strong><\/h3>\n

Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 48\u2019i yat\u0131r\u0131m karar\u0131nda en \u00e7ok \u201ckendi bilgi ve analizine\u201d g\u00fcveniyor. Ara\u015ft\u0131rman\u0131n finansal okuryazarl\u0131k profillerine ili\u015fkin sonu\u00e7lar\u0131 da dikkat \u00e7ekiyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 40\u2019\u0131 temel finansal sorulara (enflasyon ve faiz hesab\u0131 gibi) do\u011fru yan\u0131t verirken bu bilgiye sahip olanlar\u0131n b\u00fcy\u00fck \u00e7o\u011funlu\u011fu, finansal davran\u0131\u015flar\u0131n\u0131 buna g\u00f6re \u015fekillendiremiyor. Kat\u0131l\u0131mc\u0131lar\u0131n yaln\u0131zca y\u00fczde 12\u2019si finansal bilgi, davran\u0131\u015f ve tutum ekseninde g\u00fc\u00e7l\u00fc performans sergileyerek \u201cb\u00fct\u00fcnc\u00fcl olarak g\u00fc\u00e7l\u00fc finansal okuryazarl\u0131k\u201d profiline giriyor. Y\u00fczde 15\u2019i g\u00fc\u00e7l\u00fcye yak\u0131n finansal okuryazarl\u0131k profiline dahil olurken, y\u00fczde 14\u2019\u00fc finansal konularda bilgili ancak bu bilgisini yat\u0131r\u0131m davran\u0131\u015f\u0131na d\u00f6n\u00fc\u015ft\u00fcremiyor.<\/p>\n

Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131 de\u011ferlendiren Odeabank Genel M\u00fcd\u00fcr\u00fc Mert \u00d6nc\u00fc<\/strong>, \u015funlar\u0131 s\u00f6yledi: \u201cFinansal okuryazarl\u0131k bug\u00fcn yaln\u0131zca finansal kavramlar\u0131 bilmekle s\u0131n\u0131rl\u0131 olmayan, bireylerin g\u00fcnl\u00fck hayatlar\u0131n\u0131 do\u011frudan etkileyen \u00f6nemli bir yetkinlik alan\u0131 haline geldi. \u00d6zellikle kad\u0131nlar\u0131n ve gen\u00e7lerin yat\u0131r\u0131m ekosistemine artan ilgisini \u00e7ok de\u011ferli buluyoruz. Odeabank olarak, uzun s\u00fcredir yat\u0131r\u0131m odakl\u0131 bankac\u0131l\u0131k yakla\u015f\u0131m\u0131m\u0131zla, toplum genelinde finansal okuryazarl\u0131\u011f\u0131 geli\u015ftirmek ve yaymak amac\u0131yla \u00e7al\u0131\u015fmalar y\u00fcr\u00fct\u00fcyoruz. Odea Radyo\u2019da finansal okuryazarl\u0131k odakl\u0131 haz\u0131rlad\u0131\u011f\u0131m\u0131z programlar, Yat\u0131r\u0131m Odakl\u0131 Podcast serimiz ve dijital mecralar\u0131m\u0131zda olu\u015fturdu\u011fumuz i\u00e7eriklerle bilgi temelli bir yat\u0131r\u0131m ekosisteminin geli\u015fimini destekliyoruz. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde de bireylerin finansal kararlar\u0131n\u0131 daha bilin\u00e7li ve s\u00fcrd\u00fcr\u00fclebilir bir \u015fekilde almas\u0131na katk\u0131 sa\u011flamay\u0131 s\u00fcrd\u00fcrece\u011fiz.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Odeabank ve KONDA i\u015f birli\u011fiyle yap\u0131lan ara\u015ft\u0131rma, T\u00fcrkiye’de finansal okuryazarl\u0131k ve yat\u0131r\u0131m al\u0131\u015fkanl\u0131klar\u0131na \u0131\u015f\u0131k tutuyor. Alt\u0131n g\u00fcvenli liman olarak \u00f6ne \u00e7\u0131karken, kad\u0131nlar ve gen\u00e7ler yat\u0131r\u0131m ekosisteminde daha g\u00f6r\u00fcn\u00fcr hale geliyor.<\/p>\n","protected":false},"author":2,"featured_media":33,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":203,"_ecomap_primary_org_name":"Odea Bank","_ecomap_mentioned_org_ids":"[1509]","_ecomap_related_org_ids":",1509,","_ecomap_match_confidence":0.95,"_ecomap_email_message_id":"19eca3cbe0d9cd18","_ecomap_email_from":"pressrelease@faselis.com","_ecomap_editor_notes":"Kaynak b\u00fcltenden HTML e-posta \u015fablonu temizlendi, footer ve abonelik ba\u011flant\u0131lar\u0131 kald\u0131r\u0131ld\u0131. Sondaki 'Odeabank Hakk\u0131nda' \u015firket profili b\u00f6l\u00fcm\u00fc \u00e7\u0131kar\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k yeniden yaz\u0131ld\u0131, spot h2 olarak d\u00fczenlendi, b\u00f6l\u00fcm ba\u015fl\u0131klar\u0131 h3 olarak eklendi. Hafif d\u00fczeltmeler yap\u0131ld\u0131, abart\u0131l\u0131 ifadeler n\u00f6trle\u015ftirildi.","_ecomap_original_body":"

Say\u0131n Fintechistanbul.org - Web Sitesi Yaz\u0131i\u015fleri;

Odeabank\u2019\u0131n KONDA Ara\u015ft\u0131rma ve Dan\u0131\u015fmanl\u0131k i\u015f birli\u011fiyle ger\u00e7ekle\u015ftirdi\u011fi \u201cT\u00fcrkiye\u2019nin Finansal Okuryazarl\u0131k ve Yat\u0131r\u0131m Al\u0131\u015fkanl\u0131klar\u0131 Ara\u015ft\u0131rmas\u0131\u201d, T\u00fcrkiye\u2019de bireylerin finansal bilgi ve yat\u0131r\u0131m al\u0131\u015fkanl\u0131klar\u0131na \u0131\u015f\u0131k tuttu.

<\/p>BASIN B\u00dcLTEN\u0130: \u201cT\u00fcrkiye\u2019nin Finansal Davran\u0131\u015f Haritas\u0131 A\u00e7\u0131kland\u0131: Alt\u0131n G\u00fcvenli Liman Olmay\u0131 S\u00fcrd\u00fcr\u00fcyor\u201d<\/title> <center><table align=\"center\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" height=\"100%\" id=\"bodycontent\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; color: #1c2b28; font-size: 12px; margin: 0; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 0; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" id=\"bodyinside\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; border-collapse: collapse; color: #1c2b28; font-size: 12px; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 20px;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" id=\"template\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #ffffff; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px; width: 600px;\" width=\"600\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" id=\"preheader\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" class=\"preheadercontent\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; color: #808080; font-family: Helvetica,Arial,sans-serif; font-size: 11px; line-height: 125%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 10px; padding-left: 20px; padding-right: 20px; padding-top: 10px; text-align: center;\"><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top:20px\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" class=\"mailbody\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; font-family: Helvetica,Arial,sans-serif; font-size: 14px; line-height: 1.5; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 20px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><em><span style=\"font-size:27px;\">Odeabank Ara\u015ft\u0131rmas\u0131'na G\u00f6re T\u00fcrk Yat\u0131r\u0131mc\u0131n\u0131n G\u00fcvenli Liman\u0131 Alt\u0131n<\/span><\/em><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:center;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:center;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><em><span style='font-family:\"Calibri\",sans-serif;'>Odeabank\u2019\u0131n KONDA Ara\u015ft\u0131rma ve Dan\u0131\u015fmanl\u0131k i\u015f birli\u011fiyle ger\u00e7ekle\u015ftirdi\u011fi \u201cT\u00fcrkiye\u2019nin Finansal Okuryazarl\u0131k ve Yat\u0131r\u0131m Al\u0131\u015fkanl\u0131klar\u0131 Ara\u015ft\u0131rmas\u0131\u201d, T\u00fcrkiye\u2019de bireylerin finansal bilgi ve yat\u0131r\u0131m al\u0131\u015fkanl\u0131klar\u0131na \u0131\u015f\u0131k tuttu. Toplam 1425 ki\u015finin kat\u0131l\u0131m\u0131yla, T\u00fcrkiye genelinde ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rma; finansal okuryazarl\u0131\u011f\u0131n yaln\u0131zca bilgi d\u00fczeyiyle de\u011fil, bireylerin g\u00fcnl\u00fck finansal davran\u0131\u015flar\u0131 ve karar alma tutumlar\u0131yla birlikte \u015fekillendi\u011fini g\u00f6sterdi.<\/span><\/em><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:center;line-height:12.05pt;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><span style='font-family:\"Calibri\",sans-serif;'>Odeabank\u2019\u0131n KONDA Ara\u015ft\u0131rma ve Dan\u0131\u015fmanl\u0131k i\u015f birli\u011fiyle, T\u00fcrkiye\u2019de kent ve metropol alanlar\u0131nda ya\u015fayan 1425 ki\u015fiyle 9-12 Nisan 2026 tarihleri aras\u0131nda ger\u00e7ekle\u015ftirdi\u011fi <strong fr-original-style=\"\" style=\"font-weight: 700;\">\u201cT\u00fcrkiye\u2019nin Finansal Okuryazarl\u0131k ve Yat\u0131r\u0131m Al\u0131\u015fkanl\u0131klar\u0131 Ara\u015ft\u0131rmas\u0131\u201d<\/strong>, T\u00fcrkiye\u2019de bireylerin finansal bilgi d\u00fczeyleri, yat\u0131r\u0131m tercihleri ve birikim davran\u0131\u015flar\u0131na ili\u015fkin dikkat \u00e7ekici sonu\u00e7lar ortaya koydu. Ara\u015ft\u0131rma, yat\u0131r\u0131m davran\u0131\u015flar\u0131nda al\u0131\u015fkanl\u0131klar\u0131n ve birikim reflekslerinin etkisini korudu\u011funu g\u00f6sterdi.<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><span style='font-family:\"Calibri\",sans-serif;'>\u00a0<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-family:\"Calibri\",sans-serif;'>Finansal ba\u015far\u0131da bilgi, zamanlama ve disiplin \u00f6ne \u00e7\u0131k\u0131yor<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:justify;'><span style='font-family:\"Calibri\",sans-serif;'>Ara\u015ft\u0131rma, finansal okuryazarl\u0131\u011f\u0131n yaln\u0131zca teorik bilgiden ibaret olmad\u0131\u011f\u0131n\u0131; dijital finans ara\u00e7lar\u0131n\u0131n kullan\u0131m\u0131, deneyim ve sab\u0131r ile disiplin gibi ki\u015fisel \u00f6zelliklerle birlikte de\u011ferlendirilmesi gerekti\u011fini ortaya koyuyor. Toplumun yaln\u0131zca y\u00fczde 12\u2019si bu alanlar\u0131n tamam\u0131nda g\u00fc\u00e7l\u00fc bir profile sahipken, e\u011fitimli gen\u00e7lerin bilgiyi prati\u011fe d\u00f6n\u00fc\u015ft\u00fcrmekte zorland\u0131\u011f\u0131, baz\u0131 ileri ya\u015f gruplar\u0131n\u0131n ise s\u0131n\u0131rl\u0131 teknik bilgiye ra\u011fmen b\u00fct\u00e7elerini ba\u015far\u0131l\u0131 \u015fekilde y\u00f6netti\u011fi g\u00f6r\u00fcl\u00fcyor.<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:justify;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:justify;'><span style='font-family:\"Calibri\",sans-serif;'>Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 27\u2019si finansal ba\u015far\u0131n\u0131n temelinde bilgi ve analizin yer ald\u0131\u011f\u0131n\u0131 belirtirken, y\u00fczde 25\u2019i do\u011fru zamanlamay\u0131, y\u00fczde 24\u2019\u00fc ise sab\u0131r ve disiplini \u00f6n plana \u00e7\u0131kar\u0131yor. Ekonomik bilgi seviyesi artt\u0131k\u00e7a, ba\u015far\u0131y\u0131 bilgi ve analiz (y\u00fczde 38) ile do\u011fru zamanlama (y\u00fczde 34) fakt\u00f6rlerine ba\u011flama e\u011filimi de g\u00fc\u00e7leniyor.<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:justify;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;\">Alt\u0131n g\u00fcvenli liman olmay\u0131 s\u00fcrd\u00fcr\u00fcyor<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><span style=\"font-size:16px;\">Ara\u015ft\u0131rma, yat\u0131r\u0131m alg\u0131s\u0131nda da \u00f6nemli bir k\u0131r\u0131lmaya dikkat \u00e7ekiyor. D\u00fczenli yat\u0131r\u0131m veya birikim yapt\u0131\u011f\u0131n\u0131 s\u00f6yleyenlerin oran\u0131 y\u00fczde 34 olurken, yat\u0131r\u0131m ara\u00e7lar\u0131ndan en az birine sahip olanlar\u0131n oran\u0131 y\u00fczde 52\u2019ye y\u00fckseliyor. Bu fark\u0131n merkezinde ise alt\u0131n yer al\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 35\u2019i alt\u0131n yat\u0131r\u0131m\u0131 yapt\u0131\u011f\u0131n\u0131 belirtmesine ra\u011fmen, <span style=\"color:black;\">yaln\u0131zca alt\u0131na yat\u0131r\u0131m yapan her 5 ki\u015fiden 2\u2019si bunu \u201cyat\u0131r\u0131m\u201d olarak tan\u0131mlam\u0131yor.\u00a0<\/span>Ara\u015ft\u0131rma sonu\u00e7lar\u0131, alt\u0131n\u0131n toplum nezdinde bir yat\u0131r\u0131m arac\u0131ndan \u00e7ok \u201cg\u00fcvende hissetme\u201d ve \u201ck\u00f6t\u00fc g\u00fcn i\u00e7in birikim yapma\u201d davran\u0131\u015f\u0131yla ili\u015fkilendirildi\u011fini ortaya koyuyor. Ara\u015ft\u0131rmada modern yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n kullan\u0131m oranlar\u0131n\u0131n ise h\u00e2l\u00e2 s\u0131n\u0131rl\u0131 oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Borsa yat\u0131r\u0131m\u0131 yapanlar\u0131n oran\u0131 y\u00fczde 7, yat\u0131r\u0131m fonu kullananlar\u0131n oran\u0131 y\u00fczde 3, kripto varl\u0131k sahibi olanlar\u0131n oran\u0131 ise y\u00fczde 2 seviyesinde bulunuyor. Ara\u015ft\u0131rma, kat\u0131l\u0131mc\u0131lar\u0131n yat\u0131r\u0131m tercihlerinde y\u00fcksek kazan\u00e7tan \u00e7ok g\u00fcvenilirlik, eri\u015filebilirlik ve d\u00fc\u015f\u00fck risk beklentisinin belirleyici oldu\u011funa dikkat \u00e7ekiyor.\u00a0<\/span><span style=\"font-size:16px;\">Genel toplum refleksi \u201c\u00f6nce harcamak, kalanla birikim yapmak\u201d \u015feklinde\u00a0<\/span><span style=\"font-size:16px;\">ilerliyor. Bu durum, yat\u0131r\u0131m k\u00fclt\u00fcr\u00fcn\u00fcn proaktif de\u011fil daha \u00e7ok reaktif bi\u00e7imde geli\u015fti\u011fine i\u015faret ediyor.<\/span><span style=\"font-size:16px;\">\u00a0<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;\">Kad\u0131nlar ve gen\u00e7ler yat\u0131r\u0131m ekosisteminde daha g\u00f6r\u00fcn\u00fcr hale geliyor<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><span style=\"font-size:16px;\">Ara\u015ft\u0131rman\u0131n \u00f6ne \u00e7\u0131kan sonu\u00e7lar\u0131ndan biri de kad\u0131nlar\u0131n yat\u0131r\u0131m ekosistemindeki y\u00fckselen rol\u00fc oldu. Son \u00fc\u00e7 ay i\u00e7inde yat\u0131r\u0131m yapmaya ba\u015flayanlar\u0131n y\u00fczde 71\u2019ini kad\u0131nlar olu\u015ftururken, gen\u00e7lerin yat\u0131r\u0131m d\u00fcnyas\u0131na ilgisinin de giderek artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.\u00a0<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><span style='font-family:\"Calibri\",sans-serif;'>\u00d6zellikle 18-33 ya\u015f grubunun yeni yat\u0131r\u0131mc\u0131lar aras\u0131nda \u00f6nemli bir paya sahip olmas\u0131, finansal okuryazarl\u0131kta ku\u015faklar aras\u0131 davran\u0131\u015f de\u011fi\u015fimine i\u015faret ediyor. \u00a0Finansal bilgi seviyesi gen\u00e7 ve orta ya\u015f grubunda zirveye ula\u015f\u0131rken, finansal \u00f6zg\u00fcven skorunun erkeklerde \u00e7ok daha y\u00fcksek oldu\u011fu g\u00f6zlemleniyor.<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><span style='font-family:\"Calibri\",sans-serif;'>Erkekler borsa, fon ve kripto gibi modern yat\u0131r\u0131m ara\u00e7lar\u0131nda daha bask\u0131n bir profil \u00e7izerken; kad\u0131nlar\u0131n sisteme daha \u00e7ok alt\u0131n \u00fczerinden dahil oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Beyaz yakal\u0131 ve \u00fcniversite mezunu kesim daha fazla finansal \u00fcr\u00fcn \u00e7e\u015fitlili\u011fine y\u00f6nelirken; i\u015f\u00e7i, esnaf ve \u00e7ift\u00e7i gruplar\u0131nda araba ve gayrimenkul gibi somut yat\u0131r\u0131mlar \u00f6ne \u00e7\u0131k\u0131yor.\u00a0<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-family:\"Calibri\",sans-serif;'>Finansal bilin\u00e7 art\u0131yor, al\u0131\u015fkanl\u0131klar ayn\u0131 h\u0131zda de\u011fi\u015fmiyor<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><span style=\"font-size:16px;color:black;\">Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 48'i yat\u0131r\u0131m karar\u0131nda en \u00e7ok \"kendi bilgi ve analizine\" g\u00fcveniyor.\u00a0<\/span><span style=\"font-size:16px;color:black;\">Ara\u015ft\u0131rman\u0131n finansal okuryazarl\u0131k profillerine ili\u015fkin sonu\u00e7lar\u0131 da dikkat \u00e7ekiyor.\u00a0<\/span><span style=\"font-size:16px;\">Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 40'\u0131 temel finansal sorulara (enflasyon ve faiz hesab\u0131 gibi) do\u011fru yan\u0131t verirken bu bilgiye sahip olanlar\u0131n b\u00fcy\u00fck \u00e7o\u011funlu\u011fu, finansal davran\u0131\u015flar\u0131n\u0131 buna g\u00f6re \u015fekillendiremiyor. Kat\u0131l\u0131mc\u0131lar\u0131n yaln\u0131zca y\u00fczde 12\u2019si finansal bilgi, davran\u0131\u015f ve tutum ekseninde g\u00fc\u00e7l\u00fc performans sergileyerek \u201cb\u00fct\u00fcnc\u00fcl olarak g\u00fc\u00e7l\u00fc finansal okuryazarl\u0131k\u201d profiline giriyor. Y\u00fczde 15\u2019i g\u00fc\u00e7l\u00fcye yak\u0131n finansal okuryazarl\u0131k profiline dahil olurken, y\u00fczde 14\u2019\u00fc finansal konularda bilgili ancak bu bilgisini yat\u0131r\u0131m davran\u0131\u015f\u0131na d\u00f6n\u00fc\u015ft\u00fcremiyor.<\/span>\u00a0<\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;'><br><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><span style='font-family:\"Calibri\",sans-serif;'>Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131 de\u011ferlendiren <strong fr-original-style=\"\" style=\"font-weight: 700;\">Odeabank Genel M\u00fcd\u00fcr\u00fc Mert \u00d6nc\u00fc<\/strong>, \u015funlar\u0131 s\u00f6yledi: \u201cFinansal okuryazarl\u0131k bug\u00fcn yaln\u0131zca finansal kavramlar\u0131 bilmekle s\u0131n\u0131rl\u0131 olmayan, bireylerin g\u00fcnl\u00fck hayatlar\u0131n\u0131 do\u011frudan etkileyen \u00f6nemli bir yetkinlik alan\u0131 haline geldi. \u00d6zellikle kad\u0131nlar\u0131n ve gen\u00e7lerin yat\u0131r\u0131m ekosistemine artan ilgisini \u00e7ok de\u011ferli buluyoruz. Odeabank olarak, uzun s\u00fcredir yat\u0131r\u0131m odakl\u0131 bankac\u0131l\u0131k yakla\u015f\u0131m\u0131m\u0131zla, toplum genelinde finansal okuryazarl\u0131\u011f\u0131 geli\u015ftirmek ve yaymak amac\u0131yla \u00e7al\u0131\u015fmalar y\u00fcr\u00fct\u00fcyoruz. Odea Radyo\u2019da finansal okuryazarl\u0131k odakl\u0131 haz\u0131rlad\u0131\u011f\u0131m\u0131z programlar, Yat\u0131r\u0131m Odakl\u0131 Podcast serimiz ve dijital mecralar\u0131m\u0131zda olu\u015fturdu\u011fumuz i\u00e7eriklerle bilgi temelli bir yat\u0131r\u0131m ekosisteminin geli\u015fimini destekliyoruz. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde de bireylerin finansal kararlar\u0131n\u0131 daha bilin\u00e7li ve s\u00fcrd\u00fcr\u00fclebilir bir \u015fekilde almas\u0131na katk\u0131 sa\u011flamay\u0131 s\u00fcrd\u00fcrece\u011fiz.\u201d<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:11px;font-family:\"Calibri\",sans-serif;color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>Odeabank Hakk\u0131nda:\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;text-align:justify;line-height:12.05pt;'><span style=\"font-size:12px;color:black;\">T\u00fcrkiye bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 15 y\u0131l aradan sonra lisans alarak 2012 y\u0131l\u0131nda faaliyete ba\u015flayan Odea Bank A.\u015e., 2025 Aral\u0131k itibar\u0131yla 35 \u015fubesi ve 1300\u2019den fazla \u00e7al\u0131\u015fan\u0131 ile faaliyet g\u00f6stermektedir. Odea Bank A.\u015e.'nin \u00e7o\u011funluk hissedar\u0131, oda\u011f\u0131nda stratejik altyap\u0131 ve k\u00fcresel tedarik zincirleri bulunan aktif ve \u00f6nc\u00fc yat\u0131r\u0131mc\u0131 Abu Dabi merkezli ADQ\u2019dur. \u00d6zg\u00fcn fiziksel hizmetlerle b\u00fct\u00fcnle\u015ftirilmi\u015f en iyi dijital deneyimi sunan, T\u00fcrkiye\u2019nin \u00f6nde gelen \u201cfijital\u201d bankas\u0131 olma vizyonuyla faaliyetlerini s\u00fcrd\u00fcren bankan\u0131n 2024 y\u0131l\u0131nda kurdu\u011fu, teknoloji alan\u0131na odaklanan Odeatech isimli bir i\u015ftiraki bulunmaktad\u0131r. Yat\u0131r\u0131m odakl\u0131 bankac\u0131l\u0131k stratejisi do\u011frultusunda \u201cYat\u0131r\u0131m\u0131n Merkezinde Sen Vars\u0131n\u201d mottosuyla bireysel bankac\u0131l\u0131k hizmetleri sunan banka ayn\u0131 zamanda ticari bankac\u0131l\u0131k faaliyetleri kapsam\u0131nda i\u015fletmeler i\u00e7in \u00f6zelle\u015ftirilmi\u015f finansal \u00e7\u00f6z\u00fcmler sunmaktad\u0131r.<\/span><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><em><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:black;'>Ba\u011flant\u0131lar:<\/span><\/em><\/strong><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"http:\/\/www.odeabank.com.tr\/\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>www.odeabank.com.tr<\/span><\/strong><\/a><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"http:\/\/www.facebook.com\/OdeaBank\/\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>www.facebook.com\/OdeaBank\/<\/span><\/strong><\/a><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"https:\/\/twitter.com\/odeabank\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>https:\/\/twitter.com\/odeabank<\/span><\/strong><\/a><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"http:\/\/www.youtube.com\/user\/odeabank\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>www.youtube.com\/user\/odeabank<\/span><\/strong><\/a><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"http:\/\/www.linkedin.com\/company\/2759616\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>www.linkedin.com\/company\/2759616<\/span><\/strong><\/a><\/p><p style='margin-right:0cm;margin-left:0cm;font-size:15px;font-family:\"Calibri\",sans-serif;margin:0cm;line-height:12.05pt;'><a fr-original-style=\"\" href=\"http:\/\/www.instagram.com\/odeabank\" style=\"user-select: auto;\"><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;font-family:\"Calibri\",sans-serif;color:blue;text-decoration:none;'>www.instagram.com\/odeabank<\/span><\/strong><\/a><\/p><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"4\" width=\"100%\" id=\"photos\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" class=\"photo\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 20px; width: 200px; max-width: 200px; overflow: hidden;\" width=\"200\"><a href=\"https:\/\/get.faselis.com\/downloadfile.php?uid=11668048&uidchk=9083e&ct=tr&pt=1257740&pts=996633&e=bulten@mercek.net&o=28894&ot=4&chk=309af\" target=\"_blank\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/faselis_tr\/brands\/28270\/s1781250640_Odeabank_Genel_M__d__r___Mert___nc__.jpg.jpg\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; max-width: 160px; outline: none; text-decoration: none;\" class=\"photoimage\"><\/a><p class=\"alttext\" style=\"width:194px;max-width: 194px;padding:0 20px;padding-bottom: 0; padding-left: 20px; padding-right: 20px; padding-top: 0; font-family: Helvetica,Arial,sans-serif; font-size: 11px;overflow:hidden;\" align=\"left\" valign=\"top\"><\/p><\/td><td align=\"center\" valign=\"top\" class=\"photo\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 20px; width: 200px;\" width=\"200\"><\/td><td align=\"center\" valign=\"top\" class=\"photo\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 20px; width: 200px;\" width=\"200\"><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" class=\"photo\" style=\"-ms-text-size-adjust: none; 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border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" id=\"videos\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"left\" valign=\"top\" colspan=\"3\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><h2 class=\"headers\" style=\"border-bottom: 2px solid #CCCCCC; 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height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-left: 10px; padding-right: 10px; text-align: left;\">Odeabank Aras\u0327t\u0131rma Bu\u0308lteni-12.06.26.docx<\/td><td valign=\"top\" class=\"videodownload\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 12px; font-weight: bold; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; text-align: right; width: 100px;\" width=\"100\"><a href=\"https:\/\/get.faselis.com\/downloadfile.php?uid=11668044&uidchk=1c1ea&ct=tr&pt=1257740&pts=996633&e=bulten@mercek.net&o=28894&ot=4&chk=309af\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #1c2b28; text-decoration: underline;\">\u0130ndir<\/a><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; 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