{"id":795,"date":"2026-07-30T09:41:26","date_gmt":"2026-07-30T06:41:26","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=795"},"modified":"2026-07-30T11:36:08","modified_gmt":"2026-07-30T08:36:08","slug":"garanti-bbva-guclu-sermaye-yapisi-ve-musteri-odakli-stratejisiyle-istikrarli-performansini-surduruyor","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/07\/30\/garanti-bbva-guclu-sermaye-yapisi-ve-musteri-odakli-stratejisiyle-istikrarli-performansini-surduruyor\/","title":{"rendered":"Garanti BBVA G\u00fc\u00e7l\u00fc Sermaye Yap\u0131s\u0131 ve M\u00fc\u015fteri Odakl\u0131 Stratejisiyle \u0130stikrarl\u0131 Performans\u0131n\u0131 S\u00fcrd\u00fcr\u00fcyor"},"content":{"rendered":"<h2><strong>Garanti BBVA, 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda net k\u00e2r\u0131n\u0131 64,4 milyar TL olarak a\u00e7\u0131klad\u0131.<\/strong><\/h2>\n<p>T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 30 Haziran 2026 tarihli finansal tablolar\u0131n\u0131 a\u00e7\u0131klad\u0131. Banka\u2019n\u0131n konsolide finansal tablolar\u0131na g\u00f6re, y\u0131l\u0131n ilk 6 ay\u0131nda net k\u00e2r\u0131 64,4 milyar TL oldu. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 5,2 trilyon TL seviyesinde ger\u00e7ekle\u015firken, ekonomiye nakdi ve gayri nakdi krediler arac\u0131l\u0131\u011f\u0131yla sa\u011flad\u0131\u011f\u0131 destek ise 3,9 trilyon 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 %66,2 ile m\u00fc\u015fteri mevduatlar\u0131 olu\u015fturmaya devam etti. M\u00fc\u015fteri mevduat taban\u0131 y\u0131l\u0131n ilk 6 ay\u0131nda %9,8 b\u00fcy\u00fcme ile 3,5 trilyon TL oldu. G\u00fc\u00e7l\u00fc sermaye oda\u011f\u0131n\u0131 koruyan Bankan\u0131n sermaye yeterlilik oran\u0131 %15,9, \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 %28,1, aktif k\u00e2rl\u0131l\u0131\u011f\u0131 ise %2,7 seviyelerinde ger\u00e7ekle\u015fti.<\/p>\n<h3><strong>Genel M\u00fcd\u00fcr Mahmut Akten\u2019in De\u011ferlendirmeleri<\/strong><\/h3>\n<p>Konuya ili\u015fkin de\u011ferlendirmelerde bulunan Garanti BBVA Genel M\u00fcd\u00fcr\u00fc <strong>Mahmut Akten<\/strong> \u015funlar\u0131 s\u00f6yledi: \u201cY\u0131l\u0131n ikinci \u00e7eyre\u011finde k\u00fcresel ekonomide jeopolitik geli\u015fmeler kaynakl\u0131 y\u00fcksek belirsizlik devam ederken, yurt i\u00e7inde s\u0131k\u0131 para politikas\u0131 ve makro ihtiyati \u00e7er\u00e7eve bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn faaliyet ortam\u0131n\u0131 belirleyen temel unsurlar olmay\u0131 s\u00fcrd\u00fcrd\u00fc.\u201d<\/p>\n<p>Mahmut Akten, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde Garanti BBVA\u2019n\u0131n bu ortamda nas\u0131l farkl\u0131la\u015ft\u0131\u011f\u0131n\u0131 \u015fu s\u00f6zlerle a\u00e7\u0131klad\u0131: \u201cS\u0131k\u0131 para politikas\u0131n\u0131n etkisiyle y\u00fcksek seyreden fonlama maliyetleri ve artan kredi riski maliyetleri, ikinci \u00e7eyrekte bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sermaye getirileri \u00fczerinde bask\u0131 olu\u015fturdu. Garanti BBVA olarak g\u00fc\u00e7l\u00fc ve \u00e7e\u015fitlendirilmi\u015f gelir yap\u0131m\u0131z, etkin bilan\u00e7o y\u00f6netimimiz ve sa\u011flam sermaye taban\u0131m\u0131z sayesinde bu etkinin sonu\u00e7lar\u0131m\u0131za yans\u0131mas\u0131n\u0131 g\u00f6rece s\u0131n\u0131rl\u0131 tuttuk. Komisyon gelirlerimiz ile finansal i\u015ftiraklerimizin katk\u0131s\u0131 bu d\u00f6nemde performans\u0131m\u0131z\u0131 desteklerken, sermaye getirimizi enflasyonun s\u0131n\u0131rl\u0131 alt\u0131nda, %28 seviyesinde koruduk.\u201d<\/p>\n<p>Finansal dayan\u0131kl\u0131l\u0131\u011f\u0131m\u0131z\u0131n temelinde, m\u00fc\u015fteri odakl\u0131 ve kredi \u00f6ncelikli b\u00fcy\u00fcme stratejimiz yer al\u0131yor. Geni\u015fleyen m\u00fc\u015fteri taban\u0131m\u0131z ve m\u00fc\u015fterilerimizle kurdu\u011fumuz uzun vadeli ili\u015fkiler, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmemizin en \u00f6nemli dayanaklar\u0131n\u0131 olu\u015fturuyor. \u0130kinci \u00e7eyrekte ihtiya\u00e7 kredileri, kredi kartlar\u0131 ve KOB\u0130 kredilerinde elde etti\u011fimiz g\u00fc\u00e7l\u00fc pazar paylar\u0131yla T\u00fcrk liras\u0131 kredilerdeki liderli\u011fimizi s\u00fcrd\u00fcr\u00fcrken, ekonomiye ve m\u00fc\u015fterilerimizin finansman ihtiya\u00e7lar\u0131na kesintisiz destek vermeye devam ettik.<\/p>\n<h3><strong>D\u0131\u015f Bor\u00e7lanma ve S\u00fcrd\u00fcr\u00fclebilir Finansman \u00c7al\u0131\u015fmalar\u0131<\/strong><\/h3>\n<p>Garanti BBVA\u2019n\u0131n d\u0131\u015f bor\u00e7lanma alan\u0131ndaki \u00e7al\u0131\u015fmalar\u0131na de\u011finen Akten, \u015funlar\u0131 s\u00f6yledi: \u201cGaranti BBVA olarak, uluslararas\u0131 piyasalardan sa\u011flad\u0131\u011f\u0131m\u0131z adil ge\u00e7i\u015f temal\u0131 sendikasyon kredisiyle ilk tematik sendikasyon kredisi anla\u015fmam\u0131z\u0131 ba\u015far\u0131yla tamamlad\u0131k. Bunun yan\u0131 s\u0131ra, yurt d\u0131\u015f\u0131 bor\u00e7lanma program\u0131m\u0131z kapsam\u0131nda s\u00fcrd\u00fcr\u00fclebilir finansman alan\u0131nda \u00fc\u00e7 farkl\u0131 temada tahvil ihrac\u0131 ger\u00e7ekle\u015ftirdik. \u0130lk olarak, s\u00fcrd\u00fcr\u00fclebilir tar\u0131mda iklim de\u011fi\u015fikli\u011fine adaptasyon ve dayan\u0131kl\u0131l\u0131\u011f\u0131 desteklemek amac\u0131yla 30 milyon euro tutar\u0131nda ye\u015fil tahvil ihra\u00e7 ettik. Ard\u0131ndan, Temmuz ay\u0131nda, toplumsal cinsiyet e\u015fitli\u011fini ve kad\u0131nlar\u0131n ekonomik g\u00fc\u00e7lenmesini destekleyen faaliyetlerin finansman\u0131na y\u00f6nelik, Turuncu Tahvil \u0130lkelerini uygulayan (Orange Bond Principles) 30 milyon dolar tutar\u0131nda s\u00fcrd\u00fcr\u00fclebilir tahvil ihrac\u0131 ger\u00e7ekle\u015ftirdik. Son olarak ise iklim de\u011fi\u015fikli\u011fine adaptasyon ve dayan\u0131kl\u0131l\u0131k odakl\u0131 projelere kaynak sa\u011flamak amac\u0131yla 30 milyon dolar tutar\u0131nda s\u00fcrd\u00fcr\u00fclebilir tahvil ihra\u00e7 ettik. Uluslararas\u0131 piyasalardan sa\u011flad\u0131\u011f\u0131m\u0131z bu kaynaklar, Bankam\u0131z\u0131n g\u00fc\u00e7l\u00fc finansal yap\u0131s\u0131na ve uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131n g\u00fcvenine i\u015faret ederken; d\u00fc\u015f\u00fck karbonlu ekonomiye ge\u00e7i\u015fi destekleyen yat\u0131r\u0131mlar\u0131n yan\u0131 s\u0131ra sosyal kapsay\u0131c\u0131l\u0131\u011f\u0131, istihdam\u0131 ve ekonomik f\u0131rsatlara eri\u015fimi g\u00fc\u00e7lendiren projelerin finansman\u0131na katk\u0131 sa\u011flamay\u0131 ama\u00e7l\u0131yor.\u201d<\/p>\n<h3><strong>80. Kurulu\u015f Y\u0131l\u0131 De\u011ferlendirmesi<\/strong><\/h3>\n<p>Bankan\u0131n 80. kurulu\u015f y\u0131l\u0131n\u0131 de\u011ferlendiren Akten, s\u00f6zlerini \u015fu \u015fekilde tamamlad\u0131: \u201cGaranti BBVA olarak 80. y\u0131l\u0131m\u0131z\u0131 kutlad\u0131\u011f\u0131m\u0131z bu \u00e7eyrekte, yaln\u0131zca k\u00f6kl\u00fc ge\u00e7mi\u015fimize de\u011fil; g\u00fc\u00e7l\u00fc finansal yap\u0131m\u0131za, teknolojideki \u00f6nc\u00fc konumumuza, yetkin insan kayna\u011f\u0131m\u0131za ve m\u00fc\u015fterilerimizle y\u0131llar i\u00e7inde in\u015fa etti\u011fimiz g\u00fcvene de gururla bak\u0131yoruz. De\u011fi\u015fen ekonomik ko\u015fullara uyum sa\u011flayarak b\u00fcy\u00fcyen bir kurum olarak bug\u00fcn ula\u015ft\u0131\u011f\u0131m\u0131z \u00f6l\u00e7ek, sahip oldu\u011fumuz finansal dayan\u0131kl\u0131l\u0131k ve g\u00fc\u00e7l\u00fc yetkinliklerimiz, gelece\u011fe duydu\u011fumuz g\u00fcvenin en somut g\u00f6stergelerini olu\u015fturuyor. 80 y\u0131ll\u0131k birikimimizden ald\u0131\u011f\u0131m\u0131z g\u00fc\u00e7le, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde de m\u00fc\u015fterilerimiz, payda\u015flar\u0131m\u0131z ve \u00fclkemiz i\u00e7in s\u00fcrd\u00fcr\u00fclebilir de\u011fer yaratmay\u0131 kararl\u0131l\u0131kla s\u00fcrd\u00fcrece\u011fiz.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Garanti BBVA, 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda net k\u00e2r\u0131n\u0131 64,4 milyar TL olarak a\u00e7\u0131klad\u0131.<\/p>\n","protected":false},"author":2,"featured_media":794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":177,"_ecomap_primary_org_name":"Garanti BBVA","_ecomap_mentioned_org_ids":"[]","_ecomap_related_org_ids":"","_ecomap_match_confidence":0.95,"_ecomap_email_message_id":"19fb1b883bb4d12c","_ecomap_email_from":"pressrelease@faselis.com","_ecomap_editor_notes":"Kaynak b\u00fcltendeki e-posta HTML \u015fablonu temizlendi, altbilgi ve abonelik ba\u011flant\u0131lar\u0131 kald\u0131r\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k yeniden yaz\u0131ld\u0131. Metne h2\/h3 yap\u0131s\u0131 eklendi. \u015eirket profili b\u00f6l\u00fcm\u00fc bulunmad\u0131\u011f\u0131 i\u00e7in \u00e7\u0131kar\u0131lmad\u0131. Hafif d\u00fczeltmeler yap\u0131ld\u0131.","_ecomap_original_body":"<p>Say\u0131n  Fintechistanbul.org - Web Sitesi Yaz\u0131i\u015fleri,<br><br>T\u00fcrkiye Garanti Bankas\u0131 A.\u015e., 30 Haziran 2026 tarihli finansal tablolar\u0131n\u0131 a\u00e7\u0131klad\u0131. Banka\u2019n\u0131n konsolide finansal tablolar\u0131na g\u00f6re, y\u0131l\u0131n ilk 6 ay\u0131nda, net k\u00e2r\u0131 64,4 milyar TL oldu. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 5,2 trilyon TL seviyesinde ger\u00e7ekle\u015firken, ekonomiye nakdi ve gayri nakdi krediler arac\u0131l\u0131\u011f\u0131yla sa\u011flad\u0131\u011f\u0131 destek ise 3,9 trilyon TL oldu. <br><br><\/p><meta name=\"robots\" content=\"noindex, nofollow\"><meta http-equiv=\"Content-Type\" content=\"text\/html; charset=utf-8\"><title>Garanti BBVA, G\u00fc\u00e7l\u00fc Sermaye Yap\u0131s\u0131 ve M\u00fc\u015fteri Odakl\u0131 Stratejisiyle \u0130stikrarl\u0131 Performans\u0131n\u0131 S\u00fcrd\u00fcr\u00fcyor<\/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:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:21px;\">Garanti BBVA, G\u00fc\u00e7l\u00fc Sermaye Yap\u0131s\u0131 ve M\u00fc\u015fteri Odakl\u0131 Stratejisiyle \u0130stikrarl\u0131 Performans\u0131n\u0131 S\u00fcrd\u00fcr\u00fcyor<\/span><\/strong><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:center;'><br><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;\">T\u00fcrkiye Garanti Bankas\u0131 A.\u015e<\/span><\/strong><span style=\"font-size:16px;\">., 30 Haziran 2026 tarihli finansal tablolar\u0131n\u0131 a\u00e7\u0131klad\u0131. Banka\u2019n\u0131n konsolide finansal tablolar\u0131na g\u00f6re, y\u0131l\u0131n ilk 6 ay\u0131nda, <strong fr-original-style=\"\" style=\"font-weight: 700;\">net k\u00e2r\u0131<\/strong> 64,4 milyar TL oldu. <strong fr-original-style=\"\" style=\"font-weight: 700;\">Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc<\/strong> 5,2 trilyon TL seviyesinde ger\u00e7ekle\u015firken, ekonomiye <strong fr-original-style=\"\" style=\"font-weight: 700;\">nakdi ve gayri nakdi krediler<\/strong> arac\u0131l\u0131\u011f\u0131yla sa\u011flad\u0131\u011f\u0131 destek ise 3,9 trilyon 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 %66,2 ile m\u00fc\u015fteri mevduatlar\u0131 olu\u015fturmaya devam etti. M\u00fc\u015fteri mevduat taban\u0131 y\u0131l\u0131n ilk 6 ay\u0131nda %9,8 b\u00fcy\u00fcme ile 3,5 trilyon TL oldu. G\u00fc\u00e7l\u00fc sermaye oda\u011f\u0131n\u0131 koruyan Bankan\u0131n <strong fr-original-style=\"\" style=\"font-weight: 700;\">sermaye yeterlilik oran\u0131<\/strong> %15,9, <strong fr-original-style=\"\" style=\"font-weight: 700;\">\u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131<\/strong> %28,1, <strong fr-original-style=\"\" style=\"font-weight: 700;\">aktif k\u00e2rl\u0131l\u0131\u011f\u0131<\/strong> ise %2,7 seviyelerinde ger\u00e7ekle\u015fti.\u00a0<\/span><\/p><p style='margin:0cm;text-indent:0cm;font-size:15px;font-family:\"Times New Roman\",serif;margin-top:4.0pt;margin-right:-2.6pt;margin-bottom:4.0pt;margin-left:0cm;text-align:justify;'><span style='font-size:11px;font-family:\"Times\",serif;'>\u00a0<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;line-height:115%;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;line-height:115%;\">Konuya ili\u015fkin de\u011ferlendirmelerde bulunan Garanti BBVA Genel M\u00fcd\u00fcr\u00fc Mahmut Akten \u015funlar\u0131 s\u00f6yledi:\u00a0<\/span><\/strong><span style=\"font-size:16px;line-height:115%;color:black;\">\u201cY\u0131l\u0131n ikinci \u00e7eyre\u011finde k\u00fcresel ekonomide jeopolitik geli\u015fmeler kaynakl\u0131 y\u00fcksek belirsizlik devam ederken, yurt i\u00e7inde s\u0131k\u0131 para politikas\u0131 ve makro ihtiyati \u00e7er\u00e7eve bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn faaliyet ortam\u0131n\u0131 belirleyen temel unsurlar olmay\u0131 s\u00fcrd\u00fcrd\u00fc.\u201d\u00a0<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;line-height:115%;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;line-height:115%;color:black;\">\u00a0<\/span><\/strong><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;line-height:115%;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;line-height:115%;color:black;\">Mahmut Akten 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde Garanti BBVA\u2019n\u0131n bu ortamda nas\u0131l farkl\u0131la\u015ft\u0131\u011f\u0131n\u0131 \u015fu s\u00f6zlerle a\u00e7\u0131klad\u0131<\/span><\/strong><span style=\"font-size:16px;line-height:115%;color:black;\">: \u201cS\u0131k\u0131 para politikas\u0131n\u0131n etkisiyle y\u00fcksek seyreden fonlama maliyetleri ve artan kredi riski maliyetleri, ikinci \u00e7eyrekte bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sermaye getirileri \u00fczerinde bask\u0131 olu\u015fturdu. Garanti BBVA olarak g\u00fc\u00e7l\u00fc ve \u00e7e\u015fitlendirilmi\u015f gelir yap\u0131m\u0131z, etkin bilan\u00e7o y\u00f6netimimiz ve sa\u011flam sermaye taban\u0131m\u0131z sayesinde bu etkinin sonu\u00e7lar\u0131m\u0131za yans\u0131mas\u0131n\u0131 g\u00f6rece s\u0131n\u0131rl\u0131 tuttuk. Komisyon gelirlerimiz ile finansal i\u015ftiraklerimizin katk\u0131s\u0131 bu d\u00f6nemde performans\u0131m\u0131z\u0131 desteklerken, sermaye getirimizi enflasyonun s\u0131n\u0131rl\u0131 alt\u0131nda, %28 seviyesinde koruduk.<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;line-height:115%;'><span style=\"font-size:16px;line-height:115%;color:black;\">\u00a0<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;line-height:115%;'><span style=\"font-size:16px;line-height:115%;color:black;\">Finansal dayan\u0131kl\u0131l\u0131\u011f\u0131m\u0131z\u0131n temelinde, m\u00fc\u015fteri odakl\u0131 ve kredi \u00f6ncelikli b\u00fcy\u00fcme stratejimiz yer al\u0131yor. Geni\u015fleyen m\u00fc\u015fteri taban\u0131m\u0131z ve m\u00fc\u015fterilerimizle kurdu\u011fumuz uzun vadeli ili\u015fkiler, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmemizin en \u00f6nemli dayanaklar\u0131n\u0131 olu\u015fturuyor. \u0130kinci \u00e7eyrekte ihtiya\u00e7 kredileri, kredi kartlar\u0131 ve KOB\u0130 kredilerinde elde etti\u011fimiz g\u00fc\u00e7l\u00fc pazar paylar\u0131yla T\u00fcrk liras\u0131 kredilerdeki liderli\u011fimizi s\u00fcrd\u00fcr\u00fcrken, ekonomiye ve m\u00fc\u015fterilerimizin finansman ihtiya\u00e7lar\u0131na kesintisiz destek vermeye devam ettik.<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;color:black;\">\u00a0<\/span><\/strong><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;color:black;\">Garanti BBVA\u2019n\u0131n d\u0131\u015f bor\u00e7lanma alan\u0131ndaki \u00e7al\u0131\u015fmalar\u0131na de\u011finen Akten, \u015funlar\u0131 s\u00f6yledi:<\/span><\/strong><span style=\"font-size:16px;color:black;\">\u00a0\u201cGaranti BBVA olarak, uluslararas\u0131 piyasalardan sa\u011flad\u0131\u011f\u0131m\u0131z adil ge\u00e7i\u015f temal\u0131 sendikasyon kredisiyle ilk tematik sendikasyon kredisi anla\u015fmam\u0131z\u0131 ba\u015far\u0131yla tamamlad\u0131k. Bunun yan\u0131 s\u0131ra, yurt d\u0131\u015f\u0131 bor\u00e7lanma program\u0131m\u0131z kapsam\u0131nda s\u00fcrd\u00fcr\u00fclebilir finansman alan\u0131nda \u00fc\u00e7 farkl\u0131 temada tahvil ihrac\u0131 ger\u00e7ekle\u015ftirdik. \u0130lk olarak, s\u00fcrd\u00fcr\u00fclebilir tar\u0131mda iklim de\u011fi\u015fikli\u011fine adaptasyon ve dayan\u0131kl\u0131l\u0131\u011f\u0131 desteklemek amac\u0131yla 30 milyon euro tutar\u0131nda ye\u015fil tahvil ihra\u00e7 ettik. Ard\u0131ndan, Temmuz ay\u0131nda, toplumsal cinsiyet e\u015fitli\u011fini ve kad\u0131nlar\u0131n ekonomik g\u00fc\u00e7lenmesini destekleyen faaliyetlerin finansman\u0131na y\u00f6nelik, Turuncu Tahvil \u0130lkelerini uygulayan (Orange Bond Principles) 30 milyon dolar tutar\u0131nda s\u00fcrd\u00fcr\u00fclebilir tahvil ihrac\u0131 ger\u00e7ekle\u015ftirdik. Son olarak ise iklim de\u011fi\u015fikli\u011fine adaptasyon ve dayan\u0131kl\u0131l\u0131k odakl\u0131 projelere kaynak sa\u011flamak amac\u0131yla 30 milyon dolar tutar\u0131nda s\u00fcrd\u00fcr\u00fclebilir tahvil ihra\u00e7 ettik. Uluslararas\u0131 piyasalardan sa\u011flad\u0131\u011f\u0131m\u0131z bu kaynaklar, Bankam\u0131z\u0131n g\u00fc\u00e7l\u00fc finansal yap\u0131s\u0131na ve uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131n g\u00fcvenine i\u015faret ederken; d\u00fc\u015f\u00fck karbonlu ekonomiye ge\u00e7i\u015fi destekleyen yat\u0131r\u0131mlar\u0131n yan\u0131 s\u0131ra sosyal kapsay\u0131c\u0131l\u0131\u011f\u0131, istihdam\u0131 ve ekonomik f\u0131rsatlara eri\u015fimi g\u00fc\u00e7lendiren projelerin finansman\u0131na katk\u0131 sa\u011flamay\u0131 ama\u00e7l\u0131yor.\u201d<\/span><\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;'>\u00a0<\/p><p style='margin:0cm;text-indent:-.05pt;font-size:15px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style=\"font-size:16px;\">Bankan\u0131n\u00a080. kurulu\u015f y\u0131l\u0131n\u0131 de\u011ferlendiren Akten, s\u00f6zlerini \u015fu \u015fekilde tamamlad\u0131:<\/span><\/strong><span style=\"font-size:16px;\">\u00a0<strong fr-original-style=\"\" style=\"font-weight: 700;\">\u201c<\/strong>Garanti BBVA olarak 80. y\u0131l\u0131m\u0131z\u0131 kutlad\u0131\u011f\u0131m\u0131z bu \u00e7eyrekte, yaln\u0131zca k\u00f6kl\u00fc ge\u00e7mi\u015fimize de\u011fil; g\u00fc\u00e7l\u00fc finansal yap\u0131m\u0131za, teknolojideki \u00f6nc\u00fc konumumuza, yetkin insan kayna\u011f\u0131m\u0131za ve m\u00fc\u015fterilerimizle y\u0131llar i\u00e7inde in\u015fa etti\u011fimiz g\u00fcvene de gururla bak\u0131yoruz. De\u011fi\u015fen ekonomik ko\u015fullara uyum sa\u011flayarak b\u00fcy\u00fcyen bir kurum olarak bug\u00fcn ula\u015ft\u0131\u011f\u0131m\u0131z \u00f6l\u00e7ek, sahip oldu\u011fumuz finansal dayan\u0131kl\u0131l\u0131k ve g\u00fc\u00e7l\u00fc yetkinliklerimiz, gelece\u011fe duydu\u011fumuz g\u00fcvenin en somut g\u00f6stergelerini olu\u015fturuyor. 80 y\u0131ll\u0131k birikimimizden ald\u0131\u011f\u0131m\u0131z g\u00fc\u00e7le, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde de m\u00fc\u015fterilerimiz, payda\u015flar\u0131m\u0131z ve \u00fclkemiz i\u00e7in s\u00fcrd\u00fcr\u00fclebilir de\u011fer yaratmay\u0131 kararl\u0131l\u0131kla s\u00fcrd\u00fcrece\u011fiz.\u201d<\/span><\/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=11726165&amp;uidchk=5e9da&amp;ct=tr&amp;pt=1264142&amp;pts=1001628&amp;e=bulten@mercek.net&amp;o=28894&amp;ot=4&amp;chk=9c283\" target=\"_blank\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/faselis_tr\/brands\/28898\/s1785392198_Mahmut_Akten.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; -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><\/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=\"photodesc\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #1c2b28; font-family: Helvetica,Arial,sans-serif; font-size: 12px; line-height: 150%; 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 valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; 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; color: black; font-family: Helvetica,Arial,sans-serif; font-size: 18px; font-weight: bold; height: 32px; line-height: 32px; padding-bottom: 0; padding-left: 0; padding-right: 0; padding-top: 20px;\">Ek Dosyalar<\/h2><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" class=\"attachmentimage\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 22px;\" width=\"22\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/mailing\/attachment.png\" alt=\"msword Icon\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; outline: none; text-decoration: none;\"><\/td><td valign=\"top\" class=\"attachmenttext\" 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; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-left: 10px; padding-right: 10px; text-align: left;\">GarantiBBVA_Bilan\u00e7o_BB.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=11726161&amp;uidchk=db297&amp;ct=tr&amp;pt=1264142&amp;pts=1001628&amp;e=bulten@mercek.net&amp;o=28894&amp;ot=4&amp;chk=9c283\" 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; -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=\"footer\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; 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