{"id":46731,"date":"2026-02-25T07:36:07","date_gmt":"2026-02-25T07:36:07","guid":{"rendered":"https:\/\/bihavadis.com\/?p=46731"},"modified":"2026-02-25T07:36:07","modified_gmt":"2026-02-25T07:36:07","slug":"bddk-kredi-kuruluslarinin-nakdi-kredileri-242-trilyon-tl-oldu","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/25\/bddk-kredi-kuruluslarinin-nakdi-kredileri-242-trilyon-tl-oldu\/","title":{"rendered":"BDDK: Kredi kurulu\u015flar\u0131n\u0131n nakdi kredileri 24,2 trilyon TL oldu"},"content":{"rendered":"

T\u00fcrkiye Bankalar Birli\u011fi (TBB) Risk Merkezi \u00fcyesi kurulu\u015flar taraf\u0131ndan kulland\u0131r\u0131lan nakdi krediler, 2025 Aral\u0131k itibar\u0131yla, ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 44 artarak 24 bin 204 milyar TL oldu.<\/p>\n

Nakdi kredilerin 23 trilyon 246 milyar TL\u2019si bankalar (65 banka), 370 milyar TL\u2019si finansal kiralama \u015firketleri (21 finansal kiralama \u015firketi), 281 milyar TL\u2019si faktoring \u015firketleri (54 faktoring \u015firketi) ve 308 milyar TL\u2019si finansman \u015firketleri (24 finansman \u015firketi) taraf\u0131ndan kulland\u0131r\u0131ld\u0131.<\/p>\n

Tasfiye olunacak alacaklar 2025 y\u0131l\u0131 Aral\u0131k ay\u0131 itibar\u0131yla 740 milyar TL oldu. Tasfiye olunacak alacaklar\u0131n 711 milyar TL\u2019si bankalara; 13 milyar TL\u2019si finansal kiralama \u015firketlerine, 11 milyar TL\u2019si faktoring \u015firketlerine ve 5 milyar TL\u2019si finansman \u015firketlerine aittir. Tasfiye olunacak alacaklar\u0131n toplam kredilere oran\u0131 Aral\u0131k 2025 itibar\u0131yla, bir \u00f6nceki y\u0131la g\u00f6re 0,8 puan artarak y\u00fczde 3 oldu.<\/p>\n

T\u0130CAR\u0130 KRED\u0130LER 18,3 TR\u0130LYON TL OLDU<\/strong><\/p>\n

Ticari krediler y\u00fczde 43 artarak 18,3 trilyon TL\u2019ye ula\u015ft\u0131. Ticari kredilerin toplam i\u00e7indeki pay\u0131 y\u00fczde 76 d\u00fczeyinde ger\u00e7ekle\u015fti. Nakdi krediler i\u00e7inde TL krediler \u00f6nceki y\u0131la g\u00f6re y\u00fczde 39 artarak 9.443 milyar TL olurken; YP krediler ise y\u00fczde 47 artarak 8.848 milyar TL oldu. YP kredilerin nakdi krediler i\u00e7indeki pay\u0131 y\u00fczde 48 seviyesinde ger\u00e7ekle\u015fti. Toplam gayri nakdi krediler bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 50 artarak 9.016 milyar TL oldu. Ticari krediler i\u00e7inde imalat sanayi y\u00fczde 31 ile en y\u00fcksek paya sahip sekt\u00f6r oldu. Pay\u0131 y\u00fczde 19 ve \u00fczerinde olan di\u011fer ana sekt\u00f6r ise toptan ve perakende ticaret sekt\u00f6r\u00fc oldu.<\/p>\n

Aral\u0131k 2025 itibar\u0131yla tasfiye olunacak alacak oran\u0131 en y\u00fcksek olan sekt\u00f6r y\u00fczde 4,3 ile in\u015faat sekt\u00f6r\u00fc oldu. Yabanc\u0131 para nakdi kredilerin toplam nakdi krediler i\u00e7indeki pay\u0131 en y\u00fcksek olan sekt\u00f6r ise y\u00fczde 85 ile enerji sekt\u00f6r\u00fc oldu.<\/p>\n

<\/p>\n

B\u0130REYSEL KRED\u0130LER 5,9 TR\u0130LYON TL OLDU <\/strong><\/p>\n

Bankalar ve banka d\u0131\u015f\u0131 finansal kurulu\u015flar taraf\u0131ndan kulland\u0131r\u0131lan bireysel krediler, y\u00fczde 49 artarak 5.914 milyar TL oldu. Bireysel kredilerin y\u00fczde 99\u2019u bankalar taraf\u0131ndan kulland\u0131r\u0131l\u0131rken, finansman \u015firketleri taraf\u0131ndan kulland\u0131r\u0131lan 31 milyar TL\u2019lik bireysel kredinin 18 milyar TL\u2019si ta\u015f\u0131t kredilerinden olu\u015ftu. Bireysel kredilerin y\u00fczde 49\u2019unu kredi kartlar\u0131, y\u00fczde 25\u2019ini ihtiya\u00e7 kredileri, y\u00fczde 12\u2019sini konut kredileri, y\u00fczde 1\u2019ini ta\u015f\u0131t kredileri ve y\u00fczde 13\u2019\u00fcn\u00fc kredili mevduat hesab\u0131 olu\u015fturdu. Bireysel kredilerde tasfiye olunacak alacak oran\u0131 y\u00fczde 4,0 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n

B\u0130REYSEL KRED\u0130 KULLANAN M\u00dc\u015eTER\u0130LER\u0130N SAYISI 43,6 M\u0130LYON K\u0130\u015e\u0130 OLDU<\/strong><\/p>\n

Bireysel kredi kullanan ki\u015fi say\u0131s\u0131 (takipteki krediler hari\u00e7) son bir y\u0131lda yakla\u015f\u0131k 1,8 milyon ki\u015fi artarak 43,6 milyon ki\u015fi olurken, ortalama kredi bakiyesi ise 136 bin TL d\u00fczeyinde ger\u00e7ekle\u015fti.<\/p>\n

<\/p>\n

\u0130LK DEFA KRED\u0130 KULLANANLAR: <\/strong><\/p>\n

Aral\u0131k ay\u0131nda 240 bin ki\u015fi ilk defa kredili mevduat hesab\u0131, 190 bin ki\u015fi ilk defa kredi kart\u0131, 152 bin ki\u015fi ilk defa t\u00fcketici kredisi kullan\u0131rken, ilk defa ta\u015f\u0131t kredisi kullanan ki\u015fi say\u0131s\u0131 33 bin oldu. 18 bin ki\u015fi ise ilk defa konut kredisi kulland\u0131.<\/p>\n

B\u0130REYSEL KRED\u0130 KARTI L\u0130M\u0130T KULLANIM ORANI Y\u00dcZDE 21 OLDU<\/strong><\/p>\n

Bireysel kredi kartlar\u0131nda 0-100.000 TL limit aral\u0131\u011f\u0131ndaki ki\u015fi say\u0131s\u0131n\u0131n oran\u0131 y\u00fczde 39 iken, s\u00f6z konusu aral\u0131\u011f\u0131n tutar olarak pay\u0131 y\u00fczde 6\u2019d\u0131r. Aral\u0131k ay\u0131 itibar\u0131yla bireysel kredi kartlar\u0131ndaki 14 trilyon TL\u2019lik toplam limitin kullan\u0131m oran\u0131 y\u00fczde 21 oldu.<\/p>\n

<\/p>\n

\u0130STANBUL, B\u0130REYSEL KRED\u0130DE EN Y\u00dcKSEK PAYA SAH\u0130P \u0130L OLDU<\/strong><\/p>\n

Aral\u0131k 2025 itibar\u0131yla \u0130stanbul y\u00fczde 27, Ankara y\u00fczde 10 ve \u0130zmir y\u00fczde 7\u2019lik bireysel kredi pay\u0131na sahiptir. Ad\u0131yaman, Kahramanmara\u015f ve Hatay son 12 ayda bireysel kredi bakiyesi en \u00e7ok artan iller oldu. Ki\u015fi ba\u015f\u0131na ortalama bireysel kredi (kredi kart\u0131 dahil) bakiyesi en y\u00fcksek iller ise s\u0131ras\u0131yla \u0130stanbul, Ankara ve \u0130zmir oldu.<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Bankalar Birli\u011fi’nin Risk Merkezi verilerine g\u00f6re, 2025’in son ay\u0131nda kulland\u0131r\u0131lan nakdi krediler 24,2 trilyon TL’yi a\u015ft\u0131. Bankalar\u0131n yan\u0131 s\u0131ra finansal kiralama ve faktoring \u015firketlerinin de pay\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde artt\u0131.<\/p>\n","protected":false},"author":1,"featured_media":46732,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[1645,6203,903,4233,4234],"class_list":["post-46731","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-artarak","tag-bireysel-kredi","tag-kredi","tag-krediler","tag-milyar-tl"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46731","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=46731"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46731\/revisions"}],"predecessor-version":[{"id":46736,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46731\/revisions\/46736"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/46732"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=46731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=46731"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=46731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}