{"id":2918,"date":"2026-01-23T16:38:59","date_gmt":"2026-01-23T13:38:59","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=2918"},"modified":"2026-01-23T16:38:59","modified_gmt":"2026-01-23T13:38:59","slug":"tcmb-finansal-hesaplar-raporu-net-finansal-pozisyon-acigi-gsyihye-oranla-%208e-geriledi","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/01\/23\/tcmb-finansal-hesaplar-raporu-net-finansal-pozisyon-acigi-gsyihye-oranla-%208e-geriledi\/","title":{"rendered":"TCMB Finansal Hesaplar Raporu: Net finansal pozisyon a\u00e7\u0131\u011f\u0131 GSY\u0130H\u2019ye oranla %20,8\u2019e geriledi"},"content":{"rendered":"<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Veri Y\u00f6neti\u015fimi ve \u0130statistik Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc taraf\u0131ndan yay\u0131mlanan <strong>Finansal Hesaplar Raporu (2025-III)<\/strong>, ekonomideki sekt\u00f6rlerin bilan\u00e7o b\u00fcy\u00fckl\u00fcklerini ve sekt\u00f6rler aras\u0131 finansal ili\u015fkileri ortaya koydu. Raporda, yurt i\u00e7i yerle\u015fiklerin toplam finansal varl\u0131klar\u0131n\u0131n d\u00f6nem sonunda yakla\u015f\u0131k <strong>202 trilyon TL<\/strong>, y\u00fck\u00fcml\u00fcl\u00fcklerinin ise <strong>214 trilyon TL<\/strong> seviyesinde izlendi\u011fi belirtildi.<\/p>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p><strong>Toplam ekonomi \u201cnet bor\u00e7 veren\u201d konumuna ge\u00e7ti<\/strong><\/p>\n<p>Sekt\u00f6rlerin net finansal i\u015flemleri incelendi\u011finde, toplam ekonomi bir \u00f6nceki \u00e7eyrekte <strong>GSY\u0130H\u2019nin %3,2\u2019si<\/strong> oran\u0131nda <strong>net bor\u00e7 alan<\/strong> konumdayken, 2025\u2019in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde <strong>GSY\u0130H\u2019nin %0,6\u2019s\u0131<\/strong> oran\u0131nda <strong>net bor\u00e7 veren<\/strong> tarafa ge\u00e7ti. Ayn\u0131 d\u00f6nemde T\u00fcrkiye ekonomisinin net finansal pozisyon a\u00e7\u0131\u011f\u0131n\u0131n GSY\u0130H\u2019ye oran\u0131 <strong>%20,8<\/strong> olarak kaydedildi.<\/p>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p><strong>Hanehalk\u0131 alacakl\u0131, \u015firketler ve kamu bor\u00e7lu tarafta<\/strong><\/p>\n<p>Sekt\u00f6rel da\u011f\u0131l\u0131m, hanehalk\u0131n\u0131n ve \u201cd\u00fcnyan\u0131n geri kalan\u0131\u201dn\u0131n yurt i\u00e7indeki di\u011fer sekt\u00f6rlere kar\u015f\u0131 <strong>alacakl\u0131<\/strong>, finansal olmayan kurulu\u015flar ile genel y\u00f6netimin ise <strong>bor\u00e7lu<\/strong> pozisyonda oldu\u011funu g\u00f6sterdi. Finansal kurulu\u015flar\u0131n net pozisyonu da raporda <strong>s\u0131n\u0131rl\u0131 bor\u00e7lu<\/strong> g\u00f6r\u00fcn\u00fcmde yer ald\u0131.<\/p>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p>A\u015fa\u011f\u0131da rapordaki sekt\u00f6r bazl\u0131 net finansal pozisyon (stok) \u00f6zetlenmi\u015ftir (milyar TL):<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Sekt\u00f6r<\/strong><\/td>\n<td><strong>Net finansal pozisyon<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Toplam ekonomi<\/td>\n<td>-11.996<\/td>\n<\/tr>\n<tr>\n<td>Finansal olmayan kurulu\u015flar<\/td>\n<td>-22.325<\/td>\n<\/tr>\n<tr>\n<td>Finansal kurulu\u015flar<\/td>\n<td>-1.896<\/td>\n<\/tr>\n<tr>\n<td>Genel y\u00f6netim<\/td>\n<td>-6.865<\/td>\n<\/tr>\n<tr>\n<td>Hanehalk\u0131<\/td>\n<td>+19.089<\/td>\n<\/tr>\n<tr>\n<td>D\u00fcnyan\u0131n geri kalan\u0131<\/td>\n<td>+11.996<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p><strong>Hanehalk\u0131nda mevduat a\u011f\u0131rl\u0131\u011f\u0131 s\u00fcr\u00fcyor<\/strong><\/p>\n<p>Rapora g\u00f6re hanehalk\u0131 finansal varl\u0131klar\u0131nda <strong>para ve mevduat<\/strong> kalemi yakla\u015f\u0131k <strong>%56<\/strong> payla \u00f6ne \u00e7\u0131karken, y\u00fck\u00fcml\u00fcl\u00fcklerin neredeyse tamam\u0131n\u0131 <strong>krediler<\/strong> olu\u015fturuyor. Hanehalk\u0131 borcunun <strong>GSY\u0130H\u2019ye oran\u0131 %9,7<\/strong> seviyesinde izlenirken, borcun harcanabilir gelire oran\u0131 da <strong>%22<\/strong> ile yatay seyrini korudu.<\/p>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p><strong>Firmalarda hisse ve \u00f6zkaynak belirleyici<\/strong><\/p>\n<p>Finansal olmayan kurulu\u015flarda (reel sekt\u00f6r) hem varl\u0131k hem de y\u00fck\u00fcml\u00fcl\u00fck taraf\u0131nda <strong>hisse senedi ve \u00f6zkaynaklar<\/strong> kaleminin belirleyici oldu\u011fu vurguland\u0131. Sekt\u00f6r\u00fcn bor\u00e7lulu\u011funa ili\u015fkin g\u00f6stergelerde, borcun <strong>GSY\u0130H\u2019ye oran\u0131 %39<\/strong> d\u00fczeyinde raporland\u0131.<\/p>\n<p>Finansal+Hesaplar+Raporu_2025Q3<\/p>\n<p><strong>Toplam bor\u00e7\/GSY\u0130H %94: Uluslararas\u0131 kar\u015f\u0131la\u015ft\u0131rmada \u201cd\u00fc\u015f\u00fck\u201d seviye vurgusu<\/strong><\/p>\n<p>Kredi ve bor\u00e7lanma senetlerinden olu\u015fan toplam borcun GSY\u0130H\u2019ye oran\u0131 2025\u2019in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde <strong>%94<\/strong> seviyesinde ger\u00e7ekle\u015fti. Raporda, uluslararas\u0131 kar\u015f\u0131la\u015ft\u0131rmalar dikkate al\u0131nd\u0131\u011f\u0131nda T\u00fcrkiye\u2019de yerle\u015fik sekt\u00f6rlerin toplam borcunun g\u00f6rece <strong>d\u00fc\u015f\u00fck<\/strong> seviyede seyretti\u011fi de\u011ferlendirmesi yer ald\u0131.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TCMB\u2019nin 2025 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek Finansal Hesaplar Raporu\u2019na g\u00f6re yurt i\u00e7i yerle\u015fik sekt\u00f6rlerin toplam finansal varl\u0131klar\u0131 yakla\u015f\u0131k 202 trilyon TL, y\u00fck\u00fcml\u00fcl\u00fckleri 214 trilyon TL d\u00fczeyinde ger\u00e7ekle\u015fti. Net finansal pozisyon a\u00e7\u0131\u011f\u0131n\u0131n GSY\u0130H\u2019ye oran\u0131 bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re 1,9 puan azalarak %20,8 oldu.<\/p>\n","protected":false},"author":2,"featured_media":2919,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>TCMB Finansal Hesaplar Raporu: Net finansal pozisyon a\u00e7\u0131\u011f\u0131 GSY\u0130H\u2019ye oranla %20,8\u2019e geriledi - Merceknet Haber<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merceknet.com\/tr\/2026\/01\/23\/tcmb-finansal-hesaplar-raporu-net-finansal-pozisyon-acigi-gsyihye-oranla-%208e-geriledi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TCMB Finansal Hesaplar Raporu: Net finansal pozisyon a\u00e7\u0131\u011f\u0131 GSY\u0130H\u2019ye oranla %20,8\u2019e geriledi - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"TCMB\u2019nin 2025 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek Finansal Hesaplar Raporu\u2019na g\u00f6re yurt i\u00e7i yerle\u015fik sekt\u00f6rlerin toplam finansal varl\u0131klar\u0131 yakla\u015f\u0131k 202 trilyon TL, y\u00fck\u00fcml\u00fcl\u00fckleri 214 trilyon TL d\u00fczeyinde ger\u00e7ekle\u015fti. 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