{"id":25076,"date":"2026-02-10T04:45:05","date_gmt":"2026-02-10T04:45:05","guid":{"rendered":"https:\/\/bihavadis.com\/?p=25076"},"modified":"2026-02-10T04:45:05","modified_gmt":"2026-02-10T04:45:05","slug":"tebin-aktifleri-2025-sonunda-768-milyar-tl-oldu","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/10\/tebin-aktifleri-2025-sonunda-768-milyar-tl-oldu\/","title":{"rendered":"TEB\u2019in aktifleri 2025 sonunda 768 milyar TL oldu"},"content":{"rendered":"

T\u00fcrk Ekonomi Bankas\u0131 (TEB) 2025 y\u0131l\u0131 finansal sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n

Y\u0131l sonu itibar\u0131yla, TEB\u2019in ekonomiye ve m\u00fc\u015fterilerine sa\u011flad\u0131\u011f\u0131 deste\u011fin en \u00f6nemli g\u00f6stergesi olan kredileri toplam aktiflerinin y\u00fczde 58\u2019ini olu\u015fturdu.\u00a0<\/p>\n

TEB, \u00fclke ekonomisine katk\u0131 sa\u011flayarak s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmeyi desteklerken, \u201ciyi banka\u201d anlay\u0131\u015f\u0131yla toplumda pozitif etki yaratmak i\u00e7in \u00e7al\u0131\u015fmalar\u0131na devam etti.<\/p>\n

2025 y\u0131l\u0131 finansal sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klayan TEB\u2019den ekonomiye 445 milyar TL destek verildi.<\/p>\n

31 Aral\u0131k 2025 tarihi itibar\u0131yla TEB\u2019in aktif toplam\u0131 768 milyar TL olurken, net k\u00e2r\u0131 14 milyar 61 milyon TL olarak ger\u00e7ekle\u015fti. TEB\u2019in ekonomiye ve m\u00fc\u015fterilerine sa\u011flad\u0131\u011f\u0131 deste\u011fin en \u00f6nemli g\u00f6stergesi olan kredileri ise toplam aktiflerinin y\u00fczde 58\u2019ini olu\u015fturdu.<\/p>\n

EKONOM\u0130YE 445 M\u0130LYAR TL DESTEK <\/strong><\/p>\n

Her d\u00f6nem oldu\u011fu gibi risk y\u00f6netimine ve aktif kalitesine \u00f6ncelik veren TEB\u2019in toplam kredileri y\u0131l sonunda 445 milyar TL seviyesinde ger\u00e7ekle\u015firken, ayn\u0131 d\u00f6nemde toplam mevduat\u0131 ise 510 milyar TL oldu. 2025 y\u0131l\u0131nda g\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131yla birlikte istikrarl\u0131 b\u00fcy\u00fcmeyi sa\u011flayan ve karl\u0131l\u0131\u011f\u0131n\u0131 s\u00fcrd\u00fcr\u00fclebilir bir \u015fekilde devam ettiren TEB\u2019in \u00f6zkaynaklar\u0131 58 milyar TL olurken, sermaye yeterlilik rasyosu hedef rasyo olan y\u00fczde 12\u2019nin olduk\u00e7a \u00fcst\u00fcnde, y\u00fczde 18,82 oran\u0131nda ger\u00e7ekle\u015fti.<\/p>\n

Uluslararas\u0131 kurumlardan sa\u011flad\u0131\u011f\u0131 kaynaklarla reel sekt\u00f6r\u00fc destekleyen TEB, y\u0131l\u0131n son \u00e7eyre\u011finde yeniledi\u011fi sendikasyon kredisiyle reel sekt\u00f6r\u00fcn d\u0131\u015f ticaret finansman\u0131na 350 milyon ABD dolar\u0131 tutar\u0131nda destek sa\u011flad\u0131. TEB\u2019in sendikasyon kredisine 500 milyon ABD dolar\u0131 talep gelirken, 14 \u00fclkeden be\u015fi yeni kat\u0131l\u0131mc\u0131 olmak \u00fczere toplam 23 bankan\u0131n kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015fen sendikasyon kredisi ilave kaynak art\u0131\u015f\u0131yla y\u00fczde 106 oran\u0131nda yenilendi.\u00a0<\/p>\n

S\u00dcRD\u00dcR\u00dcLEB\u0130L\u0130RL\u0130K SEND\u0130KASYON KRED\u0130S\u0130<\/strong><\/p>\n

TEB, ilk kez haz\u0131rlad\u0131\u011f\u0131 S\u00fcrd\u00fcr\u00fclebilir Finansman \u00c7er\u00e7eve dok\u00fcman\u0131 ile \u00e7evresel ve sosyal a\u00e7\u0131dan s\u00fcrd\u00fcr\u00fclebilir projelerin finansman\u0131n\u0131 hedefleyen \u201cS\u00fcrd\u00fcr\u00fclebilirlik Sendikasyon Kredisi\u201d <\/em><\/b>yap\u0131s\u0131na ge\u00e7ti. Uluslararas\u0131 piyasalarda ye\u015fil, sosyal ve s\u00fcrd\u00fcr\u00fclebilir finansman ara\u00e7lar\u0131 ihra\u00e7 etme imkan\u0131 sa\u011flayan \u00e7er\u00e7eve dok\u00fcman kapsam\u0131nda, \u00e7evresel ve sosyal a\u00e7\u0131dan s\u00fcrd\u00fcr\u00fclebilir projelerin finansman\u0131 ve d\u0131\u015f ticaretin finansman\u0131 desteklenirken; iklim de\u011fi\u015fikli\u011fiyle m\u00fccadele, temiz enerjiye ge\u00e7i\u015f, enerji verimlili\u011fi, okyanuslar\u0131n korunmas\u0131, biyolojik \u00e7e\u015fitlili\u011fin s\u00fcrd\u00fcr\u00fclmesi, kapsay\u0131c\u0131 ekonomik b\u00fcy\u00fcme ve e\u011fitimde e\u015fitlik gibi alanlarda somut katk\u0131lar sa\u011flanmas\u0131 hedefleniyor.<\/p>\n

TEB, s\u00fcrd\u00fcr\u00fclebilir ve d\u00fc\u015f\u00fck karbonlu ekonomiye ge\u00e7i\u015fi destekleme hedefi do\u011frultusunda, Avrupa \u0130mar ve Kalk\u0131nma Bankas\u0131 (EBRD) ile i\u015f birli\u011fini g\u00fc\u00e7lendirdi. EBRD taraf\u0131ndan y\u00fcr\u00fct\u00fclen Ye\u015fil Ekonomi Finansman Program\u0131\u2019n\u0131n (GEFF II) bir par\u00e7as\u0131 olarak, aral\u0131k ay\u0131nda 100 milyon Euro tutar\u0131nda bir kredi s\u00f6zle\u015fmesi imzaland\u0131 ve 50 milyon Euro tutar\u0131ndaki ilk dilim finansman sa\u011fland\u0131. TEB ile EBRD aras\u0131ndaki uzun soluklu i\u015f birli\u011finde ilk ye\u015fil finansman ad\u0131m\u0131 olan bu kredi; kurumsal firmalar, KOB\u0130\u2019ler ve bireysel m\u00fc\u015fterilerin s\u00fcrd\u00fcr\u00fclebilirlik odakl\u0131 yat\u0131r\u0131mlar\u0131n\u0131n finansman\u0131nda kullan\u0131lacak.<\/p>\n

<\/p>\n

CEPTETEB<\/strong><\/p>\n

TEB, y\u0131l boyunca m\u00fc\u015fterilerinin finansal ihtiya\u00e7lar\u0131na y\u00f6nelik \u00fcr\u00fcn ve hizmetler sunmaya devam etti. Mobil bankac\u0131l\u0131k uygulamas\u0131 CEPTETEB \u00fczerinden kredi kart\u0131, KMH ve kredi \u00fcr\u00fcnleri yeniden yap\u0131land\u0131r\u0131larak kredili \u00fcr\u00fcnlerin y\u00f6netimi daha esnek hale getirildi. Geli\u015ftirilen dijital platform \u00f6demeleri fonksiyonuyla kullan\u0131c\u0131lar\u0131n anla\u015fmal\u0131 dijital platformlara Visa logolu TEB kartlar\u0131na tan\u0131mlanm\u0131\u015f \u00fcyeliklerini g\u00f6r\u00fcnt\u00fcleyerek \u00f6deme talimatlar\u0131n\u0131 kolayca y\u00f6netmesine imk\u00e2n sa\u011fland\u0131.\u00a0<\/p>\n

CEPTETEB \u0130\u015eTE platformunda ticari m\u00fc\u015fterilere y\u00f6nelik kredi kart\u0131 bor\u00e7 yap\u0131land\u0131rma, HGS ba\u015fvuru, dijital kartlarla \u00fcyelik kontrol\u00fc, \u00e7ek karnesi ve ibraz izleme gibi alanlarda yeni geli\u015ftirmeler yap\u0131ld\u0131. M\u00fc\u015fterilerine online \u0130hracat Bedeli Kabul Belgesi (\u0130BKB) sunan ilk bankalardan biri olan TEB, y\u00fczde 3 d\u00f6viz d\u00f6n\u00fc\u015f\u00fcm deste\u011fi kapsam\u0131nda te\u015fvikli \u0130BKB hizmetini online kanala ta\u015f\u0131d\u0131. Rotatif ve spot kredi kullan\u0131m \u00f6zelli\u011fi platforma eklenirken, ticari m\u00fc\u015fterilere \u00f6zel kredi ve banka kart\u0131 \u015fifre alma \u00f6zelli\u011fi getirildi, teminat mektubu ve \u00e7ek karnesi ba\u015fvurusuna eri\u015fim sa\u011fland\u0131. \u00a0<\/p>\n

TEB, Kad\u0131n Bankac\u0131l\u0131\u011f\u0131 ile s\u00fcrd\u00fcr\u00fclebilir ekonomik b\u00fcy\u00fcme i\u00e7in kad\u0131n i\u015fletme sahiplerinin ve giri\u015fimcilerin i\u015f d\u00fcnyas\u0131ndaki varl\u0131\u011f\u0131n\u0131 g\u00fc\u00e7lendirmeye y\u00f6nelik \u00e7al\u0131\u015fmaya devam etti. Y\u0131l boyunca kad\u0131n giri\u015fimcilerin finansmana eri\u015fimini art\u0131rmaya y\u00f6nelik \u00e7al\u0131\u015fmalar yapan TEB, kad\u0131n KOB\u0130\u2019lere kulland\u0131r\u0131lan kredilerde bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine k\u0131yasla y\u00fczde 70 oran\u0131nda b\u00fcy\u00fcme elde etti. Kad\u0131n giri\u015fimcilerin yaln\u0131zca finansmana de\u011fil ayn\u0131 zamanda bilgiye, pazara ve i\u015f a\u011flar\u0131na eri\u015fimini destekleyen TEB, Kad\u0131n Bankac\u0131l\u0131\u011f\u0131 \u00e7al\u0131\u015fmalar\u0131yla kad\u0131n giri\u015fimcilerin i\u015flerini b\u00fcy\u00fctmelerine, istihdam yaratmalar\u0131na ve ekonomiye daha g\u00fc\u00e7l\u00fc kat\u0131lmalar\u0131na katk\u0131 sunmay\u0131 s\u00fcrd\u00fcrd\u00fc.<\/p>\n

TEB, toplumun s\u00fcrd\u00fcr\u00fclebilir kalk\u0131nmas\u0131na katk\u0131da bulunmak amac\u0131yla\u00a0finansal okuryazarl\u0131\u011fa odaklanan \u00e7al\u0131\u015fmalar\u0131na devam etti. TEB Aile Akademisi ile 2025 y\u0131l\u0131nda\u00a030\u2019dan fazla kurumda 10 binden fazla ki\u015fiye finansal okuryazarl\u0131k e\u011fitimleri verildi.\u00a0S\u00fcrd\u00fcr\u00fclebilir \u00e7evre ve iklim fark\u0131ndal\u0131\u011f\u0131 olu\u015fturmak amac\u0131yla tasarlanan iklim okuryazarl\u0131\u011f\u0131 ve \u00e7evre hukuku okuryazarl\u0131\u011f\u0131 e\u011fitimleri 5 binden fazla ki\u015fiye y\u00fcz y\u00fcze ve dijital olarak sunuldu. TEB Aile Akademisi taraf\u0131ndan finansal okuryazarl\u0131k e\u011fitimi verilen birey say\u0131s\u0131 y\u0131l sonu itibar\u0131yla 21 milyonu a\u015ft\u0131.<\/p>\n

TEB, finansal okuryazarl\u0131k \u00e7al\u0131\u015fmalar\u0131 kapsam\u0131nda her y\u0131l toplumun finansal sa\u011fl\u0131k durumunu de\u011ferlendirmek ve bu alanda katedilen mesafeyi \u00f6l\u00e7mek i\u00e7in d\u00fczenli olarak ara\u015ft\u0131rma yap\u0131yor. TEB, bu y\u0131l Bah\u00e7e\u015fehir \u00dcniversitesi Ekonomik ve Toplumsal Ara\u015ft\u0131rmalar Merkezi (BETAM) ile haz\u0131rlad\u0131\u011f\u0131 ara\u015ft\u0131rman\u0131n sonu\u00e7lar\u0131n\u0131 kamuoyuyla payla\u015ft\u0131. T\u00fcrkiye genelinde 12 ilde yakla\u015f\u0131k 2.500 anketle ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rmada hanelerdeki finansal karar al\u0131c\u0131lar\u0131n finansal durumlar\u0131, finansal karar alma \u015fekilleri ve finansal okuryazarl\u0131k seviyeleri de\u011ferlendirildi.\u00a0<\/p>\n

<\/p>\n

S\u00dcRD\u00dcR\u00dcLEB\u0130L\u0130RL\u0130K F\u0130NANSMANI<\/strong><\/p>\n

KOB\u0130 Bankac\u0131l\u0131\u011f\u0131 \u00e7al\u0131\u015fmalar\u0131yla TEB, \u00e7evresel ve sosyal sorumluluk bilinciyle hareket ederek KOB\u0130’lerin s\u00fcrd\u00fcr\u00fclebilirlik hedeflerine ula\u015fmas\u0131n\u0131 destekledi. S\u00fcrd\u00fcr\u00fclebilirlik finansman\u0131 kapsam\u0131nda; yenilenebilir enerji, enerji verimlili\u011fi, d\u00f6ng\u00fcsel ekonomi, at\u0131k y\u00f6netimi, elektrikli ula\u015f\u0131m ara\u00e7lar\u0131 ve karbon emisyonlar\u0131n\u0131 azaltmaya y\u00f6nelik yenileme projelerinin finansman\u0131nda KOB\u0130’lere ve belediyelere \u00e7\u00f6z\u00fcmler sundu. Ayr\u0131ca KOB\u0130\u2019lere y\u00f6nelik TEB KOB\u0130 S\u00fcrd\u00fcr\u00fclebilirlik Finansman \u00dcr\u00fcn\u00fc\u2019n\u00fc hayata ge\u00e7irdi.<\/p>\n

TEB,\u00a0Giri\u015fim Bankac\u0131l\u0131\u011f\u0131 ile giri\u015fimcileri desteklemeyi ve ekosisteme katk\u0131 sa\u011flamay\u0131 y\u0131l\u0131n son \u00e7eyre\u011finde de s\u00fcrd\u00fcrd\u00fc. T\u0130M taraf\u0131ndan d\u00fczenlenen T\u00fcrkiye Innovation Week\u2019in bu y\u0131l da partnerleri aras\u0131nda yer alan TEB, T\u0130M-TEB\u00a0Giri\u015fim Evi giri\u015fimcilerinin stantlar\u0131n\u0131n bulundu\u011fu InnovaZone\u2019da giri\u015fimcilerle yat\u0131r\u0131mc\u0131lar\u0131 bir araya getiren \u00e7ok say\u0131da program ger\u00e7ekle\u015ftirdi. T\u00fcrkiye genelinde faaliyet g\u00f6steren T\u0130M-TEB Giri\u015fim Evleri\u2019nin Startup to Export program\u0131 kapsam\u0131nda 30 giri\u015fimci, uluslararas\u0131 a\u011fa kat\u0131lma ve m\u00fc\u015fteri edinimi konular\u0131nda desteklendi.<\/p>\n

\u0130hracat\u00e7\u0131lar\u0131 desteklemek amac\u0131yla uygun maliyetli TCMB reeskont kredisi ve Exim kredi kullan\u0131mlar\u0131n\u0131n yak\u0131ndan takip edildi\u011fi y\u0131l\u0131n son \u00e7eyre\u011finde TEB\u2019in arac\u0131l\u0131k etti\u011fi TCMB reeskont kredi kullan\u0131m\u0131 11,7 milyar TL\u2019ye ula\u015ft\u0131.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

TEB’in 2025 finansal sonu\u00e7lar\u0131 a\u00e7\u0131kland\u0131: Banka, m\u00fc\u015fteri kredileriyle toplam aktiflerinin y\u00fczde 58’ini olu\u015fturarak ekonomiye sa\u011flam bir destek sundu. Bu ba\u015far\u0131, TEB’in toplumda pozitif bir etki yaratma \u00e7abalar\u0131n\u0131n bir g\u00f6stergesidir.<\/p>\n","protected":false},"author":1,"featured_media":25077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[72,1633,903,970,4205],"class_list":["post-25076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-ekonomi","tag-finansman","tag-kredi","tag-surdurulebilir","tag-teb"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/25076","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=25076"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/25076\/revisions"}],"predecessor-version":[{"id":25080,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/25076\/revisions\/25080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/25077"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=25076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=25076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=25076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}