<\/p>\n
Vak\u0131fBank, 2021 y\u0131l\u0131na ait konsolide bilan\u00e7osunu Kamuyu Ayd\u0131nlatma Platformu’na (KAP) bildirdi.<\/p>\n
Bankan\u0131n son \u00e7eyrek k\u00e2r\u0131 piyasa beklentisi olan yakla\u015f\u0131k 1 milyar 900 milyon TL\u2019nin hafif \u00fczerinde 1 milyar 998 milyon TL seviyesinde ger\u00e7ekle\u015fti. Bankan\u0131n 2021 toplam solo k\u00e2r\u0131 4 milyar 175 milyon TL\u2019ye ula\u015ft\u0131. Banka, bu rakam\u0131n neredeyse yar\u0131s\u0131n\u0131 son \u00e7eyrekte elde etti.<\/p>\n
Y\u0131l\u0131n ilk \u00e7eyre\u011finde 400 milyon TL serbest kar\u015f\u0131l\u0131k ay\u0131ran Vak\u0131fBank, bu \u00e7eyre\u011fe ilaveten 300 milyon TL serbest kar\u015f\u0131l\u0131k ay\u0131rd\u0131. B\u00f6ylelikle, 2021 y\u0131l\u0131nda ayr\u0131lan toplam serbest kar\u015f\u0131l\u0131k bakiyesi 700 milyon TL\u2019ye y\u00fckseldi. Bankan\u0131n aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc kurun etkisi ile ilk defa 1 trilyon TL seviyesini a\u015ft\u0131 ve y\u0131ll\u0131k y\u00fczde 44 b\u00fcy\u00fcme kaydetti.<\/p>\n
B\u00fcy\u00fcme taraf\u0131nda, bankan\u0131n TL kredileri \u00e7eyreklik y\u00fczde 9,3 ve y\u0131ll\u0131k y\u00fczde 20,2 seviyesinde, sekt\u00f6r ortalamalar\u0131na paralel ger\u00e7ekle\u015fti. Yabanc\u0131 para kredileri ise dolar baz\u0131nda \u00e7eyrekten \u00e7eyre\u011fe y\u00fczde 4,5; y\u0131ldan y\u0131la ise y\u00fczde 2,7 darald\u0131.<\/p>\n
Vak\u0131fBank\u2019\u0131n toplam mevduatlar\u0131 \u00e7eyrekten \u00e7eyre\u011fe y\u00fczde 26,9, y\u0131ldan y\u0131la y\u00fczde 42,7 oran\u0131nda b\u00fcy\u00fcd\u00fc. Bu b\u00fcy\u00fcme k\u0131r\u0131l\u0131m\u0131nda, T\u00fcrk Liras\u0131 mevduat b\u00fcy\u00fcmesi \u00e7eyrekten \u00e7eyre\u011fe y\u00fczde 6,4; y\u0131ldan y\u0131la y\u00fczde 18,7 oran\u0131nda b\u00fcy\u00fcd\u00fc. Yabanc\u0131 para cinsi mevduatlar ise \u00e7eyreklik y\u00fczde 1,5; y\u0131ll\u0131k olarak ise y\u00fczde 6,2 darald\u0131.<\/p>\n
Bankan\u0131n, bu \u00e7eyrek T\u00dcFE\u2019ye endeksli menkul k\u0131ymetlerin getirisi ile net faiz marj\u0131nda ciddi bir art\u0131\u015f oldu. \u015eirketin 3. \u00e7eyrekte y\u00fczde 2,89 olan net faiz marj\u0131, bu \u00e7eyrek 192 baz puan art\u0131\u015fla y\u00fczde 4,81 seviyesine y\u00fckseldi ve 2021 d\u00f6nemindeki en y\u00fcksek \u00e7eyreklik net faiz marj\u0131na ula\u015f\u0131ld\u0131. \u00c7eyreklik art\u0131\u015fa ra\u011fmen yine de 2021 y\u0131l\u0131 ortalama net faiz marj\u0131 y\u00fczde 2,80 seviyesinde ger\u00e7ekle\u015fti. Bu rakam 2020 y\u0131l\u0131nda ortalama y\u00fczde 4,30 seviyesindeydi.<\/p>\n
Bankan\u0131n 4. \u00e7eyrekteki net risk maliyet rasyosu 329 baz puan seviyesinde ger\u00e7ekle\u015fti. Bu rasyo y\u0131l\u0131n ilk 9 ayl\u0131k d\u00f6neminde 22 baz puand\u0131. Son \u00e7eyrekteki art\u0131\u015fla 2021 y\u0131l\u0131 ortalama net risk maliyet rasyosu 102 baz puana ula\u015ft\u0131.<\/p>\n
\u00dccret ve komisyon gelirleri y\u0131ll\u0131k bazda %32,6 oran\u0131nda artt\u0131<\/b><\/p>\n
Bankan\u0131n \u00fccret ve komisyon gelirleri y\u0131ll\u0131k bazda y\u00fczde 32,6 oran\u0131nda artarken, faaliyet giderlerindeki art\u0131\u015f y\u0131ll\u0131k y\u00fczde 17,8 seviyesinde ger\u00e7ekle\u015fti. Sermaye taraf\u0131nda bankan\u0131n toplam SYR\u2019si y\u00fczde 14,85 seviyesinde, ana sermaye rasyosu y\u00fczde 12,88 seviyesinde, \u00e7ekirdek sermaye rasyosu taraf\u0131nda y\u00fczde 9,96 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n
Hat\u0131rlanaca\u011f\u0131 \u00fczere Vak\u0131fBank yak\u0131n zamanda 13,4 milyar TL\u2019lik tahsisli sermaye art\u0131r\u0131m karar\u0131 a\u00e7\u0131klam\u0131\u015ft\u0131, ancak bu sermaye art\u0131r\u0131m\u0131n\u0131n yeni a\u00e7\u0131klanm\u0131\u015f olmas\u0131 sebebiyle bu bilan\u00e7o d\u00f6neminde finansallar\u0131na yans\u0131mad\u0131. Yat\u0131r\u0131mc\u0131 sunumunda sermaye art\u0131r\u0131mlar\u0131n\u0131n banka rasyolar\u0131na hipotetik etkisine de\u011finen banka; bu art\u0131r\u0131mla hipotetik olarak 2021 y\u0131l sonu finansallar\u0131na yans\u0131t\u0131lsa, sermaye rasyolar\u0131 yakla\u015f\u0131k 250 baz puan daha y\u00fcksek olaca\u011f\u0131 bilgisine yer verdi. Di\u011fer bir ifade ile y\u00fczde 14,85 olan toplam SYR yakla\u015f\u0131k y\u00fczde 17,4 seviyesine, ana sermaye y\u00fczde 15,4 seviyesine, \u00e7ekirdek sermaye rasyosu da y\u00fczde 12,5 seviyelerine gelmi\u015f olacakt\u0131.<\/p>\n
Yat\u0131r\u0131mc\u0131 sunumunda 2022 y\u0131l\u0131 b\u00fct\u00e7esinde beklentilerini payla\u015fan banka TL kredilerde sekt\u00f6r ortalamas\u0131na paralel b\u00fcy\u00fcme bekliyor. YP kredilerde ise ABD Dolar\u0131 baz\u0131nda hafif daralma \u00f6ng\u00f6r\u00fcyor.<\/p>\n
T\u00dcFE\u2019ye endeksli menkul k\u0131ymet gelirlerindeki art\u0131\u015fla do\u011fru orant\u0131l\u0131 olarak Swap maliyetleri dahil net faiz marj\u0131nda y\u0131ll\u0131k 75-100 baz puan iyile\u015fme bekleyen bankan\u0131n mevcut durumda 57 milyar TL\u2019lik T\u00dcFE\u2019ye endeksli menkul k\u0131ymet portf\u00f6y\u00fc var.<\/p>\n
Banka \u00fccret komisyon taraf\u0131nda banka y\u0131ll\u0131k y\u00fczde 20 civar\u0131 bir b\u00fcy\u00fcme \u00f6ng\u00f6r\u00fcyor. Operasyonel giderler taraf\u0131nda ise d\u00fc\u015f\u00fck baz etkisinden dolay\u0131 art\u0131\u015f\u0131n enflasyonun \u00fczerinde olmas\u0131 bekleniyor. Ancak banka taraf\u0131ndan kuvvetli maliyet y\u00f6netiminin devam edece\u011finin de alt\u0131 \u00e7izildi.<\/p>\n
Vak\u0131fBank\u2019\u0131n aktif kalitesinde ise net risk maliyetinde y\u0131ll\u0131k ortalama 150 baz puan civar\u0131nda olmas\u0131 \u00f6ng\u00f6r\u00fcld\u00fc. T\u00fcm bu birle\u015fenler do\u011frultusunda banka y\u00f6netiminin ortalama \u00f6z kaynak rasyo beklentisi \u201corta onlu rakamlar\u201d seviyesinde bulunuyor. Bu \u00f6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131 beklentisi 13,4 milyar TL\u2019lik \u00f6z kaynak art\u0131\u015f\u0131n\u0131 da hesaba katan bir \u015fekilde hesaplanarak Yat\u0131r\u0131mc\u0131 Sunumu\u2019nda payla\u015f\u0131ld\u0131.<\/p>\n
Yat\u0131r\u0131mc\u0131 sunumunda kurul karar\u0131n\u0131n sermaye art\u0131r\u0131m\u0131na dair detay isteyen yabanc\u0131 yat\u0131r\u0131mc\u0131lar bu ay sonuna kadar sermaye art\u0131r\u0131m\u0131n\u0131n detaylar\u0131n\u0131n a\u00e7\u0131klanaca\u011f\u0131 bilgisi verildi. BDDK ve SPK onaylar\u0131n\u0131n ard\u0131ndan Borsa \u0130stanbul\u2019da toptan sat\u0131\u015f pazar\u0131nda yeni paylar\u0131n sat\u0131\u015f\u0131 ger\u00e7ekle\u015fecek; sat\u0131\u015f fiyat\u0131 belli oldu\u011funda ise s\u00f6z konusu fiyata g\u00f6re ortakl\u0131k yap\u0131s\u0131n\u0131n nihai hali \u015fekillenmi\u015f olacak. Sermaye art\u0131\u015f\u0131 T\u00fcrkiye Varl\u0131k Fonu\u2019na tahsisli oldu\u011fu i\u00e7in; ortakl\u0131k yap\u0131s\u0131n\u0131n i\u00e7inde T\u00fcrkiye Varl\u0131k Fonu\u2019nun pay\u0131 artarken, di\u011fer mevcut ortaklar\u0131n pay\u0131 azalm\u0131\u015f olacak. Banka; Yat\u0131r\u0131mc\u0131 Sunumu esnas\u0131nda t\u00fcm bu s\u00fcrecin \u015eubat ay\u0131 sonuna kadar bitirilmesinin \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc bilgisini payla\u015ft\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
BLOOMBERG HT- ARA\u015eTIRMA Vak\u0131fBank, 2021 y\u0131l\u0131na ait konsolide bilan\u00e7osunu Kamuyu Ayd\u0131nlatma Platformu’na (KAP) bildirdi. Bankan\u0131n son \u00e7eyrek …<\/p>\n","protected":false},"author":6,"featured_media":13556,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[379,1216],"class_list":["post-13555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borsalar","tag-banka","tag-yillik"],"yoast_head":"\n