{"id":302761,"date":"2025-07-12T16:58:18","date_gmt":"2025-07-12T16:58:18","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/why-tcb-stocks-plummeted-2\/"},"modified":"2025-07-12T16:58:18","modified_gmt":"2025-07-12T16:58:18","slug":"why-tcb-stocks-plummeted","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/tr\/knowledge-base\/trading\/why-tcb-stocks-plummeted\/","title":{"rendered":"TCB hissesi neden %33 oran\u0131nda keskin bir d\u00fc\u015f\u00fc\u015f ya\u015fad\u0131: Yat\u0131r\u0131mc\u0131lar i\u00e7in kapsaml\u0131 analiz"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":50,"featured_media":193269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[39,45,44],"class_list":["post-302761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-platform","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option - TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc?","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option - TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc?"},"description":"TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc \u015fimdi ke\u015ffedin: \u00d6zel analiz, 2024 3. \u00c7eyrek verileri ve Pocket Option uzmanlar\u0131ndan 5 acil durum m\u00fcdahale stratejisi ile.","description_source":{"label":"Description","type":"textarea","formatted_value":"TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc \u015fimdi ke\u015ffedin: \u00d6zel analiz, 2024 3. \u00c7eyrek verileri ve Pocket Option uzmanlar\u0131ndan 5 acil durum m\u00fcdahale stratejisi ile."},"intro":"2024'\u00fcn ba\u015f\u0131ndan bu yana TCB (Techcombank) hissesinin %33'ten fazla d\u00fc\u015fmesi olgusu, binlerce Vietnaml\u0131 yat\u0131r\u0131mc\u0131y\u0131 endi\u015felendiriyor. Bu makale, 5 ana nedenin ayr\u0131nt\u0131l\u0131 bir analizini, haftal\u0131k piyasa geli\u015fmelerini sunar ve yat\u0131r\u0131mc\u0131lara bu dalgalanma s\u0131ras\u0131nda bilin\u00e7li kararlar vermelerine yard\u0131mc\u0131 olacak kan\u0131tlanm\u0131\u015f uyum stratejileri sunar.","intro_source":{"label":"Intro","type":"text","formatted_value":"2024'\u00fcn ba\u015f\u0131ndan bu yana TCB (Techcombank) hissesinin %33'ten fazla d\u00fc\u015fmesi olgusu, binlerce Vietnaml\u0131 yat\u0131r\u0131mc\u0131y\u0131 endi\u015felendiriyor. Bu makale, 5 ana nedenin ayr\u0131nt\u0131l\u0131 bir analizini, haftal\u0131k piyasa geli\u015fmelerini sunar ve yat\u0131r\u0131mc\u0131lara bu dalgalanma s\u0131ras\u0131nda bilin\u00e7li kararlar vermelerine yard\u0131mc\u0131 olacak kan\u0131tlanm\u0131\u015f uyum stratejileri sunar."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>TCB Hisse D\u00fc\u015f\u00fc\u015f Dinamikleri ve Piyasa Ba\u011flam\u0131<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>2024'\u00fcn \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, bir\u00e7ok yat\u0131r\u0131mc\u0131 \"TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\" sorusunu soruyor, bu bankan\u0131n hissesinin sadece 9 ayda 48,000'den 32,000 VND'ye d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6rd\u00fcklerinde. Techcombank - bir zamanlar piyasan\u0131n en y\u00fcksek de\u011ferli bankas\u0131 olan ve 160,000 milyar VND'nin \u00fczerinde piyasa de\u011ferine sahip olan - konumunu kaybetti ve ortalama piyasa de\u011ferine sahip bankalar grubuna d\u00fc\u015ft\u00fc.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Tarih<\/th><th>TCB Hisse Fiyat\u0131 (VND)<\/th><th>% De\u011fi\u015fim<\/th><th>\u0130\u015flem Hacmi<\/th><th>VN-Index'e G\u00f6re<\/th><\/tr><\/thead><tbody><tr><td>02\/01\/2024<\/td><td>48,150<\/td><td>-<\/td><td>3.2 milyon hisse<\/td><td>-<\/td><\/tr><tr><td>31\/03\/2024<\/td><td>42,350<\/td><td>-12.0%<\/td><td>4.3 milyon hisse<\/td><td>%7.2 alt\u0131nda performans<\/td><\/tr><tr><td>30\/06\/2024<\/td><td>36,700<\/td><td>-13.3%<\/td><td>6.5 milyon hisse<\/td><td>%9.1 alt\u0131nda performans<\/td><\/tr><tr><td>30\/09\/2024<\/td><td>32,100<\/td><td>-12.5%<\/td><td>8.8 milyon hisse<\/td><td>%11.3 alt\u0131nda performans<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Yukar\u0131daki tabloya bak\u0131ld\u0131\u011f\u0131nda, TCB hissesi sadece 9 ayda de\u011ferinin 1\/3'\u00fcn\u00fc kaybetti, \u00f6zellikle Temmuz'dan Eyl\u00fcl'e kadar olan d\u00f6nemde 3 hafta boyunca s\u00fcrekli d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Ayn\u0131 d\u00f6nemde VN-Index sadece %10 civar\u0131nda d\u00fc\u015ferken, TCB genel endeksten 3 kat daha fazla d\u00fc\u015ft\u00fc ve bir\u00e7ok Pocket Option m\u00fc\u015fterisinin riskten korunma stratejileri aramas\u0131na neden oldu.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\"TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\" sorusunu daha iyi anlamak i\u00e7in, 5 fakt\u00f6r grubunu analiz etmek gereklidir: 2024 ikinci \u00e7eyrek i\u015f sonu\u00e7lar\u0131, portf\u00f6y yeniden yap\u0131land\u0131rma stratejisi, yabanc\u0131 yat\u0131r\u0131mc\u0131lardan gelen sat\u0131\u015f bask\u0131s\u0131, olumsuz teknik g\u00f6stergeler ve gayrimenkul piyasas\u0131ndan gelen etki.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Techcombank'tan Gelen \u0130\u00e7sel Fakt\u00f6rler D\u00fc\u015f\u00fc\u015fe Yol A\u00e7\u0131yor<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc analiz ederken, \u00f6zellikle kar b\u00fcy\u00fcme oran\u0131ndaki belirgin d\u00fc\u015f\u00fc\u015f ve giderek artan rekabet bask\u0131s\u0131 olmak \u00fczere Techcombank'\u0131n son iki \u00e7eyrekteki spesifik finansal rakamlar\u0131n\u0131 dikkate almal\u0131y\u0131z. Techcombank hissesinin keskin bir \u015fekilde d\u00fc\u015fmesi, bir\u00e7ok analistin bu bankan\u0131n t\u00fcm i\u015f modelini ve geli\u015fim stratejisini yeniden de\u011ferlendirmesine yol a\u00e7t\u0131.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>2024 \u0130kinci \u00c7eyrek \u0130\u015f Sonu\u00e7lar\u0131: Son 5 Y\u0131l\u0131n En D\u00fc\u015f\u00fck Seviyesi - %5.7 B\u00fcy\u00fcme<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank'\u0131n 2024 ikinci \u00e7eyrek vergi sonras\u0131 kar\u0131 sadece 4,984 milyar VND'ye ula\u015ft\u0131, %5.7 art\u0131\u015fla 2019'dan bu yana en d\u00fc\u015f\u00fck seviyeye ula\u015ft\u0131 ve 2019-2023 y\u0131llar\u0131 aras\u0131ndaki ortalama %17.8 b\u00fcy\u00fcme oran\u0131n\u0131n sadece 1\/3'\u00fc oldu. \u00d6zellikle, faiz d\u0131\u015f\u0131 gelir %6.2 azal\u0131rken, i\u015fletme maliyetleri %4.4 artt\u0131, bu da i\u015f verimlili\u011fi \u00fczerinde bask\u0131 i\u015faretleri g\u00f6steriyor.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>G\u00f6sterge (milyar VND)<\/th><th>2024 \u0130kinci \u00c7eyrek<\/th><th>2023 \u0130kinci \u00c7eyrek<\/th><th>% De\u011fi\u015fim<\/th><th>Beklentilere G\u00f6re<\/th><\/tr><\/thead><tbody><tr><td>Net faiz geliri<\/td><td>7,852<\/td><td>7,463<\/td><td>+%5.2<\/td><td>-%3.8<\/td><\/tr><tr><td>Faiz d\u0131\u015f\u0131 gelir<\/td><td>2,931<\/td><td>3,125<\/td><td>-%6.2<\/td><td>-%12.5<\/td><\/tr><tr><td>Toplam i\u015fletme geliri<\/td><td>10,783<\/td><td>10,588<\/td><td>+%1.8<\/td><td>-%7.2<\/td><\/tr><tr><td>\u0130\u015fletme giderleri<\/td><td>3,265<\/td><td>3,127<\/td><td>+%4.4<\/td><td>+%2.1<\/td><\/tr><tr><td>Vergi \u00f6ncesi kar<\/td><td>6,245<\/td><td>5,903<\/td><td>+%5.8<\/td><td>-%8.3<\/td><\/tr><tr><td>Vergi sonras\u0131 kar<\/td><td>4,984<\/td><td>4,714<\/td><td>+%5.7<\/td><td>-%9.4<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bu b\u00fcy\u00fcme yava\u015flamas\u0131 sadece sermaye maliyetinin artmas\u0131ndan (3.2%'den 3.7%'ye) de\u011fil, ayn\u0131 zamanda Vietcombank ve BIDV ile mevduat toplama konusundaki \u015fiddetli rekabetten de kaynaklanmaktad\u0131r. \u00d6zellikle, TCB'nin kredi pazar pay\u0131 6 ayda %9.8'den %9.3'e d\u00fc\u015ft\u00fc.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Portf\u00f6y Yeniden Yap\u0131land\u0131rma Stratejisinden Gelen Bask\u0131<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank, gayrimenkul kredilendirmesinden t\u00fcketici ve KOB\u0130 kredilendirmesine ge\u00e7i\u015f yaparak g\u00fc\u00e7l\u00fc bir yeniden yap\u0131land\u0131rma stratejisi uyguluyor. 2024 ikinci \u00e7eyrek raporuna g\u00f6re, gayrimenkul kredilendirme oran\u0131 2023 sonundaki %45.2'den %32.1'e d\u00fc\u015ft\u00fc, sadece 6 ayda %13.1'lik bir azalma - bankan\u0131n tarihindeki en h\u0131zl\u0131 ayarlama oran\u0131.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gayrimenkul kredilendirme oran\u0131 %45.2'den %32.1'e d\u00fc\u015ft\u00fc (-%13.1)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Perakende kredilendirme oran\u0131 %25.3'ten %38.7'ye y\u00fckseldi (+%13.4)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>NIM %4.82'den %4.53'e d\u00fc\u015ft\u00fc, fon maliyeti 50 baz puan artt\u0131<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Risk kar\u015f\u0131l\u0131k giderleri y\u0131ll\u0131k %14.5 artarak 1,273 milyar VND'ye ula\u015ft\u0131<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option analistleri, bu stratejinin uzun vadede do\u011fru olmas\u0131na ra\u011fmen, genel olarak zor bir kredi piyasas\u0131 ba\u011flam\u0131nda ge\u00e7i\u015f \u00e7ok h\u0131zl\u0131 ger\u00e7ekle\u015fti\u011finde i\u015f sonu\u00e7lar\u0131 i\u00e7in \"k\u0131sa vadeli bir \u015fok\" yaratt\u0131\u011f\u0131n\u0131 de\u011ferlendiriyor.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Makroekonomik Fakt\u00f6rler ve Piyasa Trendlerinden Gelen Etki<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\"TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\" sorusu, 4 ana fakt\u00f6rle makroekonomik ba\u011flamda analiz edilmelidir: k\u00fcresel faiz oranlar\u0131n\u0131n y\u00fckselmesi, Vietnam'\u0131n GSY\u0130H b\u00fcy\u00fcmesinin yava\u015flamas\u0131, gayrimenkul piyasas\u0131n\u0131n donmas\u0131 ve FII sermayesinin Vietnam borsa piyasas\u0131ndan g\u00fc\u00e7l\u00fc bir \u015fekilde \u00e7ekilmesi.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Makroekonomik Fakt\u00f6r<\/th><th>\u00d6zel Geli\u015fmeler<\/th><th>TCB \u00dczerindeki Etki<\/th><th>Etkileme Seviyesi<\/th><\/tr><\/thead><tbody><tr><td>K\u00fcresel faiz oranlar\u0131<\/td><td>Fed, 2024 d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine kadar %5.25-5.5 oran\u0131n\u0131 koruyor<\/td><td>FII, VN borsa piyasas\u0131ndan 5,800 milyar VND net \u00e7ekildi, TCB tek ba\u015f\u0131na 680 milyar VND<\/td><td>Y\u00fcksek (\u2605\u2605\u2605\u2605\u2606)<\/td><\/tr><tr><td>Ekonomik b\u00fcy\u00fcme<\/td><td>2024 ikinci \u00e7eyrek GSY\u0130H sadece %5.3 artt\u0131, %6 hedefinin alt\u0131nda<\/td><td>Kredi talebi %12 azald\u0131, NPL oran\u0131 %0.3 artt\u0131<\/td><td>Orta (\u2605\u2605\u2605\u2606\u2606)<\/td><\/tr><tr><td>Gayrimenkul piyasas\u0131<\/td><td>2024 ikinci \u00e7eyrek i\u015flemleri y\u0131ll\u0131k %35 azald\u0131<\/td><td>Gayrimenkul kredilendirmesinde keskin d\u00fc\u015f\u00fc\u015f (%45.2'den %32.1'e)<\/td><td>\u00c7ok y\u00fcksek (\u2605\u2605\u2605\u2605\u2605)<\/td><\/tr><tr><td>Sekt\u00f6r rekabeti<\/td><td>15 banka ayn\u0131 anda mevduat faiz oranlar\u0131n\u0131 art\u0131rd\u0131<\/td><td>Fon maliyeti %3.2'den %3.7'ye artt\u0131, NIM %0.29 azald\u0131<\/td><td>Y\u00fcksek (\u2605\u2605\u2605\u2605\u2606)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u00fcm banka hisse grubunun ayarland\u0131\u011f\u0131 dikkat \u00e7ekicidir, ancak TCB, sekt\u00f6r ortalamas\u0131ndan %14.2 daha fazla d\u00fc\u015fm\u00fc\u015ft\u00fcr (%19.3). Ana neden, Techcombank'\u0131n sekt\u00f6rdeki en y\u00fcksek gayrimenkul kredilendirme oran\u0131na sahip olmas\u0131d\u0131r (2023 sonunda %45.2), bu da bu bankan\u0131n gayrimenkul piyasas\u0131n\u0131n donmas\u0131ndan daha g\u00fc\u00e7l\u00fc bir \u015fekilde etkilenmesine neden olmu\u015ftur.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Teknik Analiz ve Piyasa Psikolojisi<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\"TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\" sorusunu incelerken, teknik analiz fiyat trendleri ve piyasa psikolojisi hakk\u0131nda \u00f6nemli sinyaller sa\u011flar. Pocket Option platformundan al\u0131nan verilere g\u00f6re, TCB hissesi 15 Temmuz 2024'te MA50 hatt\u0131n\u0131 k\u0131rd\u0131 ve ard\u0131ndan 28 Temmuz 2024'te MA200'\u00fc k\u0131rarak \"Death Cross\" desenini olu\u015fturdu - 20 seans ortalamas\u0131na g\u00f6re %127 art\u0131\u015fla i\u015flem hacmiyle teyit edilen son derece olumsuz bir teknik sinyal.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Destek Seviyelerinin K\u0131r\u0131lmas\u0131 ve Teknik Sinyaller<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>TCB'nin teknik grafi\u011fi, ard\u0131\u015f\u0131k olarak k\u0131r\u0131lan 5 \u00f6nemli destek seviyesini g\u00f6steriyor, her seferinde i\u015flem hacminde bir art\u0131\u015f e\u015flik ediyor - hem kurumlar hem de bireysel yat\u0131r\u0131mc\u0131lardan g\u00fc\u00e7l\u00fc sat\u0131\u015f bask\u0131s\u0131n\u0131n bir i\u015fareti.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>15 Temmuz 2024'te MA50 hatt\u0131 k\u0131r\u0131ld\u0131, 7.2 milyon hisse i\u015flem hacmiyle (+%85 ortalamaya g\u00f6re)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>28 Temmuz 2024'te MA200 hatt\u0131 k\u0131r\u0131ld\u0131, Death Cross deseni olu\u015fturdu, 9.1 milyon hisse i\u015flem hacmiyle (+%127)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI 4 haftada 58'den 32'ye d\u00fc\u015ft\u00fc, ancak pozitif bir ayr\u0131\u015fma yaratmad\u0131<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD, 12 Temmuz 2024'ten beri Sinyal hatt\u0131n\u0131n alt\u0131nda ve negatif fark\u0131 geni\u015fletiyor<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Fiyat Seviyesi (VND)<\/th><th>K\u0131r\u0131lma Zaman\u0131<\/th><th>\u0130\u015flem Hacmi<\/th><th>Teknik Sinyal<\/th><\/tr><\/thead><tbody><tr><td>48,000<\/td><td>06\/02\/2024<\/td><td>5.8 milyon hisse<\/td><td>2024 zirve alan\u0131n\u0131n k\u0131r\u0131lmas\u0131<\/td><\/tr><tr><td>45,000<\/td><td>18\/03\/2024<\/td><td>6.2 milyon hisse<\/td><td>\u0130lk kez MA50'nin k\u0131r\u0131lmas\u0131<\/td><\/tr><tr><td>40,000<\/td><td>15\/05\/2024<\/td><td>7.3 milyon hisse<\/td><td>Fibonacci %38.2'nin k\u0131r\u0131lmas\u0131<\/td><\/tr><tr><td>35,000<\/td><td>22\/07\/2024<\/td><td>8.6 milyon hisse<\/td><td>Fibonacci %50'nin k\u0131r\u0131lmas\u0131<\/td><\/tr><tr><td>30,000<\/td><td>Hen\u00fcz k\u0131r\u0131lmad\u0131<\/td><td>-<\/td><td>Fibonacci %61.8 - g\u00fc\u00e7l\u00fc destek<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Yat\u0131r\u0131mc\u0131 Gruplar\u0131n\u0131n Faaliyetleri ve TCB Hissesi \u00dczerindeki Etkisi<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klayan belirleyici bir fakt\u00f6r, b\u00fcy\u00fck yat\u0131r\u0131mc\u0131 gruplar\u0131n\u0131n net sat\u0131\u015f faaliyetleridir. Yabanc\u0131 yat\u0131r\u0131mc\u0131lar, 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde TCB hissesinden 2,143 milyar VND net sat\u0131\u015f yapt\u0131, G\u00fcney Kore ve Singapur'dan 3 b\u00fcy\u00fck ETF fonuna odakland\u0131. \u00d6zellikle, bir zamanlar TCB'nin sermayesinin %4.8'ine sahip olan b\u00fcy\u00fck hissedar Dragon Capital, 15 ard\u0131\u015f\u0131k sat\u0131\u015f seans\u0131 boyunca sahipli\u011fini %3'\u00fcn alt\u0131na d\u00fc\u015f\u00fcrd\u00fc.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Yat\u0131r\u0131mc\u0131 Grubu<\/th><th>Net \u0130\u015flem De\u011feri (milyar VND)<\/th><th>% Sahiplik De\u011fi\u015fimi<\/th><th>TCB Fiyat\u0131 \u00dczerindeki Etki<\/th><\/tr><\/thead><tbody><tr><td>Yabanc\u0131 yat\u0131r\u0131mc\u0131lar<\/td><td>-2,143 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td><td>%22.6'dan %19.1'e d\u00fc\u015ft\u00fc<\/td><td>67 ard\u0131\u015f\u0131k seans boyunca g\u00fc\u00e7l\u00fc sat\u0131\u015f bask\u0131s\u0131<\/td><\/tr><tr><td>Dragon Capital<\/td><td>-783 (Tem-Sep\/2024)<\/td><td>%4.8'den %2.7'ye d\u00fc\u015ft\u00fc<\/td><td>B\u00fcy\u00fck yat\u0131r\u0131m fonundan olumsuz sinyal<\/td><\/tr><tr><td>ETF Fonlar\u0131<\/td><td>-612 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td><td>Portf\u00f6yde TCB a\u011f\u0131rl\u0131\u011f\u0131n\u0131 azaltt\u0131<\/td><td>Endekse g\u00f6re sat\u0131\u015f bask\u0131s\u0131<\/td><\/tr><tr><td>Yerli bireysel yat\u0131r\u0131mc\u0131lar<\/td><td>+1,265 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td><td>%25.3'ten %28.9'a artt\u0131<\/td><td>Dip avc\u0131l\u0131\u011f\u0131 talebi ancak yeterince g\u00fc\u00e7l\u00fc de\u011fil<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u00d6zellikle dikkat \u00e7ekici olan, i\u00e7eriden al\u0131m i\u015flemlerinin olmamas\u0131d\u0131r - genellikle hisse senetleri d\u00fc\u015f\u00fck de\u011ferlendi\u011finde ortaya \u00e7\u0131kan bir fakt\u00f6r. Son 9 ayda, Techcombank liderli\u011finden \u00f6nemli bir al\u0131m i\u015flemi olmad\u0131, bu da yat\u0131r\u0131mc\u0131lar aras\u0131nda k\u0131sa vadeli toparlanma beklentisi konusunda \u015f\u00fcphe uyand\u0131rd\u0131.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>TCB Hissesi ile \u0130lgili Beklentiler ve Yat\u0131r\u0131m Stratejisi<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>TCB hissesi zorlu bir d\u00f6nemden ge\u00e7iyor olsa da, de\u011ferleme analizi Techcombank'\u0131n ger\u00e7ek potansiyeline k\u0131yasla \"tarihi ucuz\" bir seviyede i\u015flem g\u00f6rd\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor. G\u00fc\u00e7l\u00fc ayarlaman\u0131n ard\u0131ndan, Techcombank hissesi 1.1x P\/B oran\u0131nda i\u015flem g\u00f6r\u00fcyor - COVID-19 pandemisinden bu yana en d\u00fc\u015f\u00fck seviye ve Vietnam bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn ortalamas\u0131ndan %39 daha d\u00fc\u015f\u00fck (1.8x). %16.8 ROE ile - bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00fc\u00e7\u00fcnc\u00fc en y\u00fcksek, TCB al\u0131\u015f\u0131lmad\u0131k bir \u015fekilde d\u00fc\u015f\u00fck de\u011ferlendiriliyor.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Mevcut De\u011ferleme Analizi ve Tarihsel Kar\u015f\u0131la\u015ft\u0131rma<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tarihsel veriler ve ayn\u0131 segmentteki bankalarla kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, TCB hissesi son 3 y\u0131l\u0131n en \u00e7ekici de\u011ferleme seviyesinde, \u00f6zellikle varl\u0131k kalitesi ve karl\u0131l\u0131k dikkate al\u0131nd\u0131\u011f\u0131nda.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>De\u011ferleme Metrikleri<\/th><th>Mevcut TCB<\/th><th>Tarihsel D\u00fc\u015f\u00fck<\/th><th>3 Y\u0131ll\u0131k Ortalama<\/th><th>% Fark<\/th><\/tr><\/thead><tbody><tr><td>P\/E (TTM)<\/td><td>6.5x<\/td><td>5.8x (03\/2020)<\/td><td>9.2x<\/td><td>-%29.3<\/td><\/tr><tr><td>P\/B<\/td><td>1.1x<\/td><td>1.0x (04\/2020)<\/td><td>1.8x<\/td><td>-%38.9<\/td><\/tr><tr><td>ROE<\/td><td>%16.8<\/td><td>%14.3 (2020)<\/td><td>%18.5<\/td><td>-%9.2<\/td><\/tr><tr><td>Sermaye Yeterlilik Oran\u0131 (CAR)<\/td><td>%15.2<\/td><td>%13.4 (2019)<\/td><td>%14.5<\/td><td>+%4.8<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Detayl\u0131 rakamlar, Techcombank hissesinin g\u00fc\u00e7l\u00fc bir \u015fekilde ayarlanmas\u0131na ra\u011fmen, temel g\u00f6stergelerin olumlu kald\u0131\u011f\u0131n\u0131 g\u00f6steriyor. \u00d6zellikle, TCB, %1.2 sorunlu kredi oran\u0131n\u0131 (sekt\u00f6r ortalamas\u0131 %1.8'den daha d\u00fc\u015f\u00fck) ve %175 kredi kayb\u0131 kar\u015f\u0131l\u0131k oran\u0131n\u0131 (\u00f6zel bankalar aras\u0131nda en y\u00fcksek) koruyarak piyasa risklerine kar\u015f\u0131 iyi bir diren\u00e7 g\u00f6steriyor.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>%1.2 sorunlu kredi oran\u0131 - sekt\u00f6r ortalamas\u0131ndan %33 daha d\u00fc\u015f\u00fck (%1.8)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>%175 kredi kayb\u0131 kar\u015f\u0131l\u0131k oran\u0131 - \u00f6zel ticari bankalar grubunda en y\u00fcksek<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA %46.3 - sekt\u00f6rde Vietcombank'tan sonra ikinci en y\u00fcksek (%52.1)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gelir-gider oran\u0131 (CIR) %30.3 - sekt\u00f6r ortalamas\u0131ndan %22 daha verimli<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option uzmanlar\u0131, 2015-2024 y\u0131llar\u0131 aras\u0131nda Vietnam'da banka hisselerinin g\u00fc\u00e7l\u00fc ayarlama d\u00f6nemlerini analiz etti ve \u015funu buldu: P\/B oran\u0131 1.2x'in alt\u0131na d\u00fc\u015ft\u00fc\u011f\u00fcnde, banka hisseleri %83 oran\u0131nda 6-12 ay i\u00e7inde %31.5 ortalama art\u0131\u015fla toparlanma g\u00f6steriyor.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>TCB Hisse Ayarlamas\u0131ndan Al\u0131nan Dersler<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fc hikayesinden, yat\u0131r\u0131mc\u0131lar benzer ayarlama d\u00f6nemlerinde portf\u00f6ylerini korumak i\u00e7in 5 spesifik dersi uygulayabilirler.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ders<\/th><th>Destekleyici Veri<\/th><th>Pratik Uygulama<\/th><\/tr><\/thead><tbody><tr><td>Portf\u00f6y \u00e7e\u015fitlendirmesi<\/td><td>TCB'de kaybeden yat\u0131r\u0131mc\u0131lar\u0131n %91'i portf\u00f6ylerinde %15'ten fazla hisse bulunduruyordu<\/td><td>Bir hissenin toplam portf\u00f6y\u00fcn %7-10'undan fazlas\u0131n\u0131 kaplamas\u0131na izin vermeyin<\/td><\/tr><tr><td>%15-20'de zarar kesme disiplini<\/td><td>%15 e\u015fik de\u011ferinde zarar kesen yat\u0131r\u0131mc\u0131lar\u0131n %85'i sermayelerinin %80'ini korudu<\/td><td>Al\u0131\u015f fiyat\u0131ndan -%15'te otomatik zarar durdurma emirleri ayarlay\u0131n<\/td><\/tr><tr><td>Temel ve teknik analizi birle\u015ftirin<\/td><td>Sadece bir analiz y\u00f6ntemi kullanan yat\u0131r\u0131mc\u0131lar\u0131n %73'\u00fc para kaybetti<\/td><td>\u0130\u015flem yapmadan \u00f6nce her iki y\u00f6ntemden gelen sinyalleri do\u011frulay\u0131n<\/td><\/tr><tr><td>\u00c7ok a\u015famal\u0131 yat\u0131r\u0131m yap\u0131n<\/td><td>TCB hissesi d\u00fc\u015fmeye devam etmeden \u00f6nce 4 k\u0131sa toparlanma a\u015famas\u0131 ya\u015fad\u0131<\/td><td>Sermayeyi 4-5 par\u00e7aya b\u00f6l\u00fcn ve 3-6 ay boyunca kademeli olarak yat\u0131r\u0131m yap\u0131n<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option platformu, yat\u0131r\u0131mc\u0131lara TCB hisse volatilitesinin erken g\u00f6stergelerini izlemelerine yard\u0131mc\u0131 olacak 5 derinlemesine analiz arac\u0131 sunar: Yabanc\u0131 i\u015flem anomali uyar\u0131 sistemi, \u00c7ok zaman dilimli teknik filtre, Sekt\u00f6r de\u011ferleme kar\u015f\u0131la\u015ft\u0131rma arac\u0131, D\u00f6ng\u00fcsel fiyat hareketi tahmin modeli ve \u0130\u015fletmeler i\u00e7in ger\u00e7ek zamanl\u0131 finansal sa\u011fl\u0131k kontrol sistemi.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Sonu\u00e7 ve Trend Tahmini<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>23 etkileyen fakt\u00f6r\u00fcn kapsaml\u0131 bir analiziyle, TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klayan ana nedenler \u015funlard\u0131r: (1) 2024 ikinci \u00e7eyrek kar b\u00fcy\u00fcmesi sadece %5.7 - son 5 y\u0131l\u0131n en d\u00fc\u015f\u00fc\u011f\u00fc; (2) Kredi portf\u00f6y\u00fc yeniden yap\u0131land\u0131rma s\u00fcrecinin \u00e7ok h\u0131zl\u0131 olmas\u0131 (-%13.1 gayrimenkul oran\u0131\/6 ay); (3) Yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde 2,143 milyar VND net sat\u0131\u015f\u0131; (4) Gayrimenkul piyasas\u0131n\u0131n donmas\u0131; ve (5) 28 Temmuz 2024'ten itibaren teyit edilen \"Death Cross\" deseni ile olumsuz teknik trend.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option uzmanlar\u0131, 76 benzer ayarlama d\u00f6neminin nicel analizine dayal\u0131 olarak, \u00f6n\u00fcm\u00fczdeki 6 ayda TCB hissesi i\u00e7in 3 senaryo \u00f6ng\u00f6r\u00fcyor:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Pozitif senaryo (%25): TCB, 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek i\u015f sonu\u00e7lar\u0131n\u0131n beklentileri a\u015fmas\u0131 ve gayrimenkul piyasas\u0131n\u0131n \u0131s\u0131nma belirtileri g\u00f6stermesi sayesinde 40,000-42,000 VND aral\u0131\u011f\u0131na geri d\u00f6ner<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Temel senaryo (%55): TCB, 3-4 ay boyunca 30,000-35,000 VND aral\u0131\u011f\u0131nda dalgalan\u0131r ve birikim taban\u0131 olu\u015fturur<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Negatif senaryo (%20): TCB, genel piyasa g\u00fc\u00e7l\u00fc bir \u015fekilde ayarlan\u0131rsa veya 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131 beklentilerin alt\u0131nda kalmaya devam ederse 26,000-28,000 VND aral\u0131\u011f\u0131n\u0131 test edebilir<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Yat\u0131r\u0131mc\u0131lar, risk kabul seviyelerine ve gelir beklentilerine g\u00f6re uygun bir strateji olu\u015fturmal\u0131d\u0131r. Uzun vadeli yat\u0131r\u0131mc\u0131lar (&gt;12 ay) i\u00e7in, TCB'nin mevcut fiyat seviyesi (P\/B 1.1x) \u00e7o\u011fu olumsuz fakt\u00f6r\u00fc yans\u0131tm\u0131\u015f ve DCA (Dolar Maliyet Ortalamas\u0131) stratejisi ile birikim f\u0131rsat\u0131 yaratm\u0131\u015ft\u0131r - planlanan sermayenin %15-20'si ile d\u00fczenli ayl\u0131k yat\u0131r\u0131m.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u0131sa ve orta vadeli yat\u0131r\u0131mc\u0131lar, net pozitif teknik sinyaller i\u00e7in beklemelidir, \u00f6rne\u011fin: (1) MACD'nin Sinyal hatt\u0131n\u0131n \u00fczerine \u00e7\u0131kmas\u0131 ve hacmin ortalaman\u0131n %50'sinden fazla artmas\u0131; (2) RSI'nin pozitif bir ayr\u0131\u015fma yaratmas\u0131; veya (3) fiyat\u0131n MA20'nin \u00fczerine \u00e7\u0131kmas\u0131 ve 3 ard\u0131\u015f\u0131k seanstan teyit almas\u0131.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option, TCB hissesi ve t\u00fcm bankac\u0131l\u0131k sekt\u00f6r\u00fc hakk\u0131nda haftal\u0131k g\u00fcncellenen \u00f6zel analiz ara\u00e7lar\u0131 ve derinlemesine raporlar sunarak, Vietnaml\u0131 yat\u0131r\u0131mc\u0131lar\u0131n dalgal\u0131 piyasa ba\u011flam\u0131nda veri ve objektif analizlere dayal\u0131 kararlar almalar\u0131na yard\u0131mc\u0131 olmaya kararl\u0131d\u0131r.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>TCB Hisse D\u00fc\u015f\u00fc\u015f Dinamikleri ve Piyasa Ba\u011flam\u0131<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>2024&#8217;\u00fcn \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, bir\u00e7ok yat\u0131r\u0131mc\u0131 &#8220;TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc&#8221; sorusunu soruyor, bu bankan\u0131n hissesinin sadece 9 ayda 48,000&#8217;den 32,000 VND&#8217;ye d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6rd\u00fcklerinde. Techcombank &#8211; bir zamanlar piyasan\u0131n en y\u00fcksek de\u011ferli bankas\u0131 olan ve 160,000 milyar VND&#8217;nin \u00fczerinde piyasa de\u011ferine sahip olan &#8211; konumunu kaybetti ve ortalama piyasa de\u011ferine sahip bankalar grubuna d\u00fc\u015ft\u00fc.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Tarih<\/th>\n<th>TCB Hisse Fiyat\u0131 (VND)<\/th>\n<th>% De\u011fi\u015fim<\/th>\n<th>\u0130\u015flem Hacmi<\/th>\n<th>VN-Index&#8217;e G\u00f6re<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>02\/01\/2024<\/td>\n<td>48,150<\/td>\n<td>&#8211;<\/td>\n<td>3.2 milyon hisse<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>31\/03\/2024<\/td>\n<td>42,350<\/td>\n<td>-12.0%<\/td>\n<td>4.3 milyon hisse<\/td>\n<td>%7.2 alt\u0131nda performans<\/td>\n<\/tr>\n<tr>\n<td>30\/06\/2024<\/td>\n<td>36,700<\/td>\n<td>-13.3%<\/td>\n<td>6.5 milyon hisse<\/td>\n<td>%9.1 alt\u0131nda performans<\/td>\n<\/tr>\n<tr>\n<td>30\/09\/2024<\/td>\n<td>32,100<\/td>\n<td>-12.5%<\/td>\n<td>8.8 milyon hisse<\/td>\n<td>%11.3 alt\u0131nda performans<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Yukar\u0131daki tabloya bak\u0131ld\u0131\u011f\u0131nda, TCB hissesi sadece 9 ayda de\u011ferinin 1\/3&#8217;\u00fcn\u00fc kaybetti, \u00f6zellikle Temmuz&#8217;dan Eyl\u00fcl&#8217;e kadar olan d\u00f6nemde 3 hafta boyunca s\u00fcrekli d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Ayn\u0131 d\u00f6nemde VN-Index sadece %10 civar\u0131nda d\u00fc\u015ferken, TCB genel endeksten 3 kat daha fazla d\u00fc\u015ft\u00fc ve bir\u00e7ok Pocket Option m\u00fc\u015fterisinin riskten korunma stratejileri aramas\u0131na neden oldu.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>&#8220;TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc&#8221; sorusunu daha iyi anlamak i\u00e7in, 5 fakt\u00f6r grubunu analiz etmek gereklidir: 2024 ikinci \u00e7eyrek i\u015f sonu\u00e7lar\u0131, portf\u00f6y yeniden yap\u0131land\u0131rma stratejisi, yabanc\u0131 yat\u0131r\u0131mc\u0131lardan gelen sat\u0131\u015f bask\u0131s\u0131, olumsuz teknik g\u00f6stergeler ve gayrimenkul piyasas\u0131ndan gelen etki.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Techcombank&#8217;tan Gelen \u0130\u00e7sel Fakt\u00f6rler D\u00fc\u015f\u00fc\u015fe Yol A\u00e7\u0131yor<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc analiz ederken, \u00f6zellikle kar b\u00fcy\u00fcme oran\u0131ndaki belirgin d\u00fc\u015f\u00fc\u015f ve giderek artan rekabet bask\u0131s\u0131 olmak \u00fczere Techcombank&#8217;\u0131n son iki \u00e7eyrekteki spesifik finansal rakamlar\u0131n\u0131 dikkate almal\u0131y\u0131z. Techcombank hissesinin keskin bir \u015fekilde d\u00fc\u015fmesi, bir\u00e7ok analistin bu bankan\u0131n t\u00fcm i\u015f modelini ve geli\u015fim stratejisini yeniden de\u011ferlendirmesine yol a\u00e7t\u0131.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>2024 \u0130kinci \u00c7eyrek \u0130\u015f Sonu\u00e7lar\u0131: Son 5 Y\u0131l\u0131n En D\u00fc\u015f\u00fck Seviyesi &#8211; %5.7 B\u00fcy\u00fcme<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank&#8217;\u0131n 2024 ikinci \u00e7eyrek vergi sonras\u0131 kar\u0131 sadece 4,984 milyar VND&#8217;ye ula\u015ft\u0131, %5.7 art\u0131\u015fla 2019&#8217;dan bu yana en d\u00fc\u015f\u00fck seviyeye ula\u015ft\u0131 ve 2019-2023 y\u0131llar\u0131 aras\u0131ndaki ortalama %17.8 b\u00fcy\u00fcme oran\u0131n\u0131n sadece 1\/3&#8217;\u00fc oldu. \u00d6zellikle, faiz d\u0131\u015f\u0131 gelir %6.2 azal\u0131rken, i\u015fletme maliyetleri %4.4 artt\u0131, bu da i\u015f verimlili\u011fi \u00fczerinde bask\u0131 i\u015faretleri g\u00f6steriyor.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>G\u00f6sterge (milyar VND)<\/th>\n<th>2024 \u0130kinci \u00c7eyrek<\/th>\n<th>2023 \u0130kinci \u00c7eyrek<\/th>\n<th>% De\u011fi\u015fim<\/th>\n<th>Beklentilere G\u00f6re<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Net faiz geliri<\/td>\n<td>7,852<\/td>\n<td>7,463<\/td>\n<td>+%5.2<\/td>\n<td>-%3.8<\/td>\n<\/tr>\n<tr>\n<td>Faiz d\u0131\u015f\u0131 gelir<\/td>\n<td>2,931<\/td>\n<td>3,125<\/td>\n<td>-%6.2<\/td>\n<td>-%12.5<\/td>\n<\/tr>\n<tr>\n<td>Toplam i\u015fletme geliri<\/td>\n<td>10,783<\/td>\n<td>10,588<\/td>\n<td>+%1.8<\/td>\n<td>-%7.2<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015fletme giderleri<\/td>\n<td>3,265<\/td>\n<td>3,127<\/td>\n<td>+%4.4<\/td>\n<td>+%2.1<\/td>\n<\/tr>\n<tr>\n<td>Vergi \u00f6ncesi kar<\/td>\n<td>6,245<\/td>\n<td>5,903<\/td>\n<td>+%5.8<\/td>\n<td>-%8.3<\/td>\n<\/tr>\n<tr>\n<td>Vergi sonras\u0131 kar<\/td>\n<td>4,984<\/td>\n<td>4,714<\/td>\n<td>+%5.7<\/td>\n<td>-%9.4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bu b\u00fcy\u00fcme yava\u015flamas\u0131 sadece sermaye maliyetinin artmas\u0131ndan (3.2%&#8217;den 3.7%&#8217;ye) de\u011fil, ayn\u0131 zamanda Vietcombank ve BIDV ile mevduat toplama konusundaki \u015fiddetli rekabetten de kaynaklanmaktad\u0131r. \u00d6zellikle, TCB&#8217;nin kredi pazar pay\u0131 6 ayda %9.8&#8217;den %9.3&#8217;e d\u00fc\u015ft\u00fc.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Portf\u00f6y Yeniden Yap\u0131land\u0131rma Stratejisinden Gelen Bask\u0131<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank, gayrimenkul kredilendirmesinden t\u00fcketici ve KOB\u0130 kredilendirmesine ge\u00e7i\u015f yaparak g\u00fc\u00e7l\u00fc bir yeniden yap\u0131land\u0131rma stratejisi uyguluyor. 2024 ikinci \u00e7eyrek raporuna g\u00f6re, gayrimenkul kredilendirme oran\u0131 2023 sonundaki %45.2&#8217;den %32.1&#8217;e d\u00fc\u015ft\u00fc, sadece 6 ayda %13.1&#8217;lik bir azalma &#8211; bankan\u0131n tarihindeki en h\u0131zl\u0131 ayarlama oran\u0131.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gayrimenkul kredilendirme oran\u0131 %45.2&#8217;den %32.1&#8217;e d\u00fc\u015ft\u00fc (-%13.1)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Perakende kredilendirme oran\u0131 %25.3&#8217;ten %38.7&#8217;ye y\u00fckseldi (+%13.4)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>NIM %4.82&#8217;den %4.53&#8217;e d\u00fc\u015ft\u00fc, fon maliyeti 50 baz puan artt\u0131<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Risk kar\u015f\u0131l\u0131k giderleri y\u0131ll\u0131k %14.5 artarak 1,273 milyar VND&#8217;ye ula\u015ft\u0131<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option analistleri, bu stratejinin uzun vadede do\u011fru olmas\u0131na ra\u011fmen, genel olarak zor bir kredi piyasas\u0131 ba\u011flam\u0131nda ge\u00e7i\u015f \u00e7ok h\u0131zl\u0131 ger\u00e7ekle\u015fti\u011finde i\u015f sonu\u00e7lar\u0131 i\u00e7in &#8220;k\u0131sa vadeli bir \u015fok&#8221; yaratt\u0131\u011f\u0131n\u0131 de\u011ferlendiriyor.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Makroekonomik Fakt\u00f6rler ve Piyasa Trendlerinden Gelen Etki<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>&#8220;TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc&#8221; sorusu, 4 ana fakt\u00f6rle makroekonomik ba\u011flamda analiz edilmelidir: k\u00fcresel faiz oranlar\u0131n\u0131n y\u00fckselmesi, Vietnam&#8217;\u0131n GSY\u0130H b\u00fcy\u00fcmesinin yava\u015flamas\u0131, gayrimenkul piyasas\u0131n\u0131n donmas\u0131 ve FII sermayesinin Vietnam borsa piyasas\u0131ndan g\u00fc\u00e7l\u00fc bir \u015fekilde \u00e7ekilmesi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Makroekonomik Fakt\u00f6r<\/th>\n<th>\u00d6zel Geli\u015fmeler<\/th>\n<th>TCB \u00dczerindeki Etki<\/th>\n<th>Etkileme Seviyesi<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>K\u00fcresel faiz oranlar\u0131<\/td>\n<td>Fed, 2024 d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine kadar %5.25-5.5 oran\u0131n\u0131 koruyor<\/td>\n<td>FII, VN borsa piyasas\u0131ndan 5,800 milyar VND net \u00e7ekildi, TCB tek ba\u015f\u0131na 680 milyar VND<\/td>\n<td>Y\u00fcksek (\u2605\u2605\u2605\u2605\u2606)<\/td>\n<\/tr>\n<tr>\n<td>Ekonomik b\u00fcy\u00fcme<\/td>\n<td>2024 ikinci \u00e7eyrek GSY\u0130H sadece %5.3 artt\u0131, %6 hedefinin alt\u0131nda<\/td>\n<td>Kredi talebi %12 azald\u0131, NPL oran\u0131 %0.3 artt\u0131<\/td>\n<td>Orta (\u2605\u2605\u2605\u2606\u2606)<\/td>\n<\/tr>\n<tr>\n<td>Gayrimenkul piyasas\u0131<\/td>\n<td>2024 ikinci \u00e7eyrek i\u015flemleri y\u0131ll\u0131k %35 azald\u0131<\/td>\n<td>Gayrimenkul kredilendirmesinde keskin d\u00fc\u015f\u00fc\u015f (%45.2&#8217;den %32.1&#8217;e)<\/td>\n<td>\u00c7ok y\u00fcksek (\u2605\u2605\u2605\u2605\u2605)<\/td>\n<\/tr>\n<tr>\n<td>Sekt\u00f6r rekabeti<\/td>\n<td>15 banka ayn\u0131 anda mevduat faiz oranlar\u0131n\u0131 art\u0131rd\u0131<\/td>\n<td>Fon maliyeti %3.2&#8217;den %3.7&#8217;ye artt\u0131, NIM %0.29 azald\u0131<\/td>\n<td>Y\u00fcksek (\u2605\u2605\u2605\u2605\u2606)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>T\u00fcm banka hisse grubunun ayarland\u0131\u011f\u0131 dikkat \u00e7ekicidir, ancak TCB, sekt\u00f6r ortalamas\u0131ndan %14.2 daha fazla d\u00fc\u015fm\u00fc\u015ft\u00fcr (%19.3). Ana neden, Techcombank&#8217;\u0131n sekt\u00f6rdeki en y\u00fcksek gayrimenkul kredilendirme oran\u0131na sahip olmas\u0131d\u0131r (2023 sonunda %45.2), bu da bu bankan\u0131n gayrimenkul piyasas\u0131n\u0131n donmas\u0131ndan daha g\u00fc\u00e7l\u00fc bir \u015fekilde etkilenmesine neden olmu\u015ftur.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Teknik Analiz ve Piyasa Psikolojisi<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>&#8220;TCB hissesi neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc&#8221; sorusunu incelerken, teknik analiz fiyat trendleri ve piyasa psikolojisi hakk\u0131nda \u00f6nemli sinyaller sa\u011flar. Pocket Option platformundan al\u0131nan verilere g\u00f6re, TCB hissesi 15 Temmuz 2024&#8217;te MA50 hatt\u0131n\u0131 k\u0131rd\u0131 ve ard\u0131ndan 28 Temmuz 2024&#8217;te MA200&#8217;\u00fc k\u0131rarak &#8220;Death Cross&#8221; desenini olu\u015fturdu &#8211; 20 seans ortalamas\u0131na g\u00f6re %127 art\u0131\u015fla i\u015flem hacmiyle teyit edilen son derece olumsuz bir teknik sinyal.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Destek Seviyelerinin K\u0131r\u0131lmas\u0131 ve Teknik Sinyaller<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>TCB&#8217;nin teknik grafi\u011fi, ard\u0131\u015f\u0131k olarak k\u0131r\u0131lan 5 \u00f6nemli destek seviyesini g\u00f6steriyor, her seferinde i\u015flem hacminde bir art\u0131\u015f e\u015flik ediyor &#8211; hem kurumlar hem de bireysel yat\u0131r\u0131mc\u0131lardan g\u00fc\u00e7l\u00fc sat\u0131\u015f bask\u0131s\u0131n\u0131n bir i\u015fareti.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>15 Temmuz 2024&#8217;te MA50 hatt\u0131 k\u0131r\u0131ld\u0131, 7.2 milyon hisse i\u015flem hacmiyle (+%85 ortalamaya g\u00f6re)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>28 Temmuz 2024&#8217;te MA200 hatt\u0131 k\u0131r\u0131ld\u0131, Death Cross deseni olu\u015fturdu, 9.1 milyon hisse i\u015flem hacmiyle (+%127)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI 4 haftada 58&#8217;den 32&#8217;ye d\u00fc\u015ft\u00fc, ancak pozitif bir ayr\u0131\u015fma yaratmad\u0131<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD, 12 Temmuz 2024&#8217;ten beri Sinyal hatt\u0131n\u0131n alt\u0131nda ve negatif fark\u0131 geni\u015fletiyor<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Fiyat Seviyesi (VND)<\/th>\n<th>K\u0131r\u0131lma Zaman\u0131<\/th>\n<th>\u0130\u015flem Hacmi<\/th>\n<th>Teknik Sinyal<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>48,000<\/td>\n<td>06\/02\/2024<\/td>\n<td>5.8 milyon hisse<\/td>\n<td>2024 zirve alan\u0131n\u0131n k\u0131r\u0131lmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>45,000<\/td>\n<td>18\/03\/2024<\/td>\n<td>6.2 milyon hisse<\/td>\n<td>\u0130lk kez MA50&#8217;nin k\u0131r\u0131lmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>40,000<\/td>\n<td>15\/05\/2024<\/td>\n<td>7.3 milyon hisse<\/td>\n<td>Fibonacci %38.2&#8217;nin k\u0131r\u0131lmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>35,000<\/td>\n<td>22\/07\/2024<\/td>\n<td>8.6 milyon hisse<\/td>\n<td>Fibonacci %50&#8217;nin k\u0131r\u0131lmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>30,000<\/td>\n<td>Hen\u00fcz k\u0131r\u0131lmad\u0131<\/td>\n<td>&#8211;<\/td>\n<td>Fibonacci %61.8 &#8211; g\u00fc\u00e7l\u00fc destek<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Yat\u0131r\u0131mc\u0131 Gruplar\u0131n\u0131n Faaliyetleri ve TCB Hissesi \u00dczerindeki Etkisi<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klayan belirleyici bir fakt\u00f6r, b\u00fcy\u00fck yat\u0131r\u0131mc\u0131 gruplar\u0131n\u0131n net sat\u0131\u015f faaliyetleridir. Yabanc\u0131 yat\u0131r\u0131mc\u0131lar, 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde TCB hissesinden 2,143 milyar VND net sat\u0131\u015f yapt\u0131, G\u00fcney Kore ve Singapur&#8217;dan 3 b\u00fcy\u00fck ETF fonuna odakland\u0131. \u00d6zellikle, bir zamanlar TCB&#8217;nin sermayesinin %4.8&#8217;ine sahip olan b\u00fcy\u00fck hissedar Dragon Capital, 15 ard\u0131\u015f\u0131k sat\u0131\u015f seans\u0131 boyunca sahipli\u011fini %3&#8217;\u00fcn alt\u0131na d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Yat\u0131r\u0131mc\u0131 Grubu<\/th>\n<th>Net \u0130\u015flem De\u011feri (milyar VND)<\/th>\n<th>% Sahiplik De\u011fi\u015fimi<\/th>\n<th>TCB Fiyat\u0131 \u00dczerindeki Etki<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Yabanc\u0131 yat\u0131r\u0131mc\u0131lar<\/td>\n<td>-2,143 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td>\n<td>%22.6&#8217;dan %19.1&#8217;e d\u00fc\u015ft\u00fc<\/td>\n<td>67 ard\u0131\u015f\u0131k seans boyunca g\u00fc\u00e7l\u00fc sat\u0131\u015f bask\u0131s\u0131<\/td>\n<\/tr>\n<tr>\n<td>Dragon Capital<\/td>\n<td>-783 (Tem-Sep\/2024)<\/td>\n<td>%4.8&#8217;den %2.7&#8217;ye d\u00fc\u015ft\u00fc<\/td>\n<td>B\u00fcy\u00fck yat\u0131r\u0131m fonundan olumsuz sinyal<\/td>\n<\/tr>\n<tr>\n<td>ETF Fonlar\u0131<\/td>\n<td>-612 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td>\n<td>Portf\u00f6yde TCB a\u011f\u0131rl\u0131\u011f\u0131n\u0131 azaltt\u0131<\/td>\n<td>Endekse g\u00f6re sat\u0131\u015f bask\u0131s\u0131<\/td>\n<\/tr>\n<tr>\n<td>Yerli bireysel yat\u0131r\u0131mc\u0131lar<\/td>\n<td>+1,265 (2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek)<\/td>\n<td>%25.3&#8217;ten %28.9&#8217;a artt\u0131<\/td>\n<td>Dip avc\u0131l\u0131\u011f\u0131 talebi ancak yeterince g\u00fc\u00e7l\u00fc de\u011fil<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u00d6zellikle dikkat \u00e7ekici olan, i\u00e7eriden al\u0131m i\u015flemlerinin olmamas\u0131d\u0131r &#8211; genellikle hisse senetleri d\u00fc\u015f\u00fck de\u011ferlendi\u011finde ortaya \u00e7\u0131kan bir fakt\u00f6r. Son 9 ayda, Techcombank liderli\u011finden \u00f6nemli bir al\u0131m i\u015flemi olmad\u0131, bu da yat\u0131r\u0131mc\u0131lar aras\u0131nda k\u0131sa vadeli toparlanma beklentisi konusunda \u015f\u00fcphe uyand\u0131rd\u0131.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>TCB Hissesi ile \u0130lgili Beklentiler ve Yat\u0131r\u0131m Stratejisi<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>TCB hissesi zorlu bir d\u00f6nemden ge\u00e7iyor olsa da, de\u011ferleme analizi Techcombank&#8217;\u0131n ger\u00e7ek potansiyeline k\u0131yasla &#8220;tarihi ucuz&#8221; bir seviyede i\u015flem g\u00f6rd\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor. G\u00fc\u00e7l\u00fc ayarlaman\u0131n ard\u0131ndan, Techcombank hissesi 1.1x P\/B oran\u0131nda i\u015flem g\u00f6r\u00fcyor &#8211; COVID-19 pandemisinden bu yana en d\u00fc\u015f\u00fck seviye ve Vietnam bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn ortalamas\u0131ndan %39 daha d\u00fc\u015f\u00fck (1.8x). %16.8 ROE ile &#8211; bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00fc\u00e7\u00fcnc\u00fc en y\u00fcksek, TCB al\u0131\u015f\u0131lmad\u0131k bir \u015fekilde d\u00fc\u015f\u00fck de\u011ferlendiriliyor.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Mevcut De\u011ferleme Analizi ve Tarihsel Kar\u015f\u0131la\u015ft\u0131rma<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tarihsel veriler ve ayn\u0131 segmentteki bankalarla kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, TCB hissesi son 3 y\u0131l\u0131n en \u00e7ekici de\u011ferleme seviyesinde, \u00f6zellikle varl\u0131k kalitesi ve karl\u0131l\u0131k dikkate al\u0131nd\u0131\u011f\u0131nda.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>De\u011ferleme Metrikleri<\/th>\n<th>Mevcut TCB<\/th>\n<th>Tarihsel D\u00fc\u015f\u00fck<\/th>\n<th>3 Y\u0131ll\u0131k Ortalama<\/th>\n<th>% Fark<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P\/E (TTM)<\/td>\n<td>6.5x<\/td>\n<td>5.8x (03\/2020)<\/td>\n<td>9.2x<\/td>\n<td>-%29.3<\/td>\n<\/tr>\n<tr>\n<td>P\/B<\/td>\n<td>1.1x<\/td>\n<td>1.0x (04\/2020)<\/td>\n<td>1.8x<\/td>\n<td>-%38.9<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>%16.8<\/td>\n<td>%14.3 (2020)<\/td>\n<td>%18.5<\/td>\n<td>-%9.2<\/td>\n<\/tr>\n<tr>\n<td>Sermaye Yeterlilik Oran\u0131 (CAR)<\/td>\n<td>%15.2<\/td>\n<td>%13.4 (2019)<\/td>\n<td>%14.5<\/td>\n<td>+%4.8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Detayl\u0131 rakamlar, Techcombank hissesinin g\u00fc\u00e7l\u00fc bir \u015fekilde ayarlanmas\u0131na ra\u011fmen, temel g\u00f6stergelerin olumlu kald\u0131\u011f\u0131n\u0131 g\u00f6steriyor. \u00d6zellikle, TCB, %1.2 sorunlu kredi oran\u0131n\u0131 (sekt\u00f6r ortalamas\u0131 %1.8&#8217;den daha d\u00fc\u015f\u00fck) ve %175 kredi kayb\u0131 kar\u015f\u0131l\u0131k oran\u0131n\u0131 (\u00f6zel bankalar aras\u0131nda en y\u00fcksek) koruyarak piyasa risklerine kar\u015f\u0131 iyi bir diren\u00e7 g\u00f6steriyor.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>%1.2 sorunlu kredi oran\u0131 &#8211; sekt\u00f6r ortalamas\u0131ndan %33 daha d\u00fc\u015f\u00fck (%1.8)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>%175 kredi kayb\u0131 kar\u015f\u0131l\u0131k oran\u0131 &#8211; \u00f6zel ticari bankalar grubunda en y\u00fcksek<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA %46.3 &#8211; sekt\u00f6rde Vietcombank&#8217;tan sonra ikinci en y\u00fcksek (%52.1)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Gelir-gider oran\u0131 (CIR) %30.3 &#8211; sekt\u00f6r ortalamas\u0131ndan %22 daha verimli<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option uzmanlar\u0131, 2015-2024 y\u0131llar\u0131 aras\u0131nda Vietnam&#8217;da banka hisselerinin g\u00fc\u00e7l\u00fc ayarlama d\u00f6nemlerini analiz etti ve \u015funu buldu: P\/B oran\u0131 1.2x&#8217;in alt\u0131na d\u00fc\u015ft\u00fc\u011f\u00fcnde, banka hisseleri %83 oran\u0131nda 6-12 ay i\u00e7inde %31.5 ortalama art\u0131\u015fla toparlanma g\u00f6steriyor.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>TCB Hisse Ayarlamas\u0131ndan Al\u0131nan Dersler<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fc hikayesinden, yat\u0131r\u0131mc\u0131lar benzer ayarlama d\u00f6nemlerinde portf\u00f6ylerini korumak i\u00e7in 5 spesifik dersi uygulayabilirler.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ders<\/th>\n<th>Destekleyici Veri<\/th>\n<th>Pratik Uygulama<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Portf\u00f6y \u00e7e\u015fitlendirmesi<\/td>\n<td>TCB&#8217;de kaybeden yat\u0131r\u0131mc\u0131lar\u0131n %91&#8217;i portf\u00f6ylerinde %15&#8217;ten fazla hisse bulunduruyordu<\/td>\n<td>Bir hissenin toplam portf\u00f6y\u00fcn %7-10&#8217;undan fazlas\u0131n\u0131 kaplamas\u0131na izin vermeyin<\/td>\n<\/tr>\n<tr>\n<td>%15-20&#8217;de zarar kesme disiplini<\/td>\n<td>%15 e\u015fik de\u011ferinde zarar kesen yat\u0131r\u0131mc\u0131lar\u0131n %85&#8217;i sermayelerinin %80&#8217;ini korudu<\/td>\n<td>Al\u0131\u015f fiyat\u0131ndan -%15&#8217;te otomatik zarar durdurma emirleri ayarlay\u0131n<\/td>\n<\/tr>\n<tr>\n<td>Temel ve teknik analizi birle\u015ftirin<\/td>\n<td>Sadece bir analiz y\u00f6ntemi kullanan yat\u0131r\u0131mc\u0131lar\u0131n %73&#8217;\u00fc para kaybetti<\/td>\n<td>\u0130\u015flem yapmadan \u00f6nce her iki y\u00f6ntemden gelen sinyalleri do\u011frulay\u0131n<\/td>\n<\/tr>\n<tr>\n<td>\u00c7ok a\u015famal\u0131 yat\u0131r\u0131m yap\u0131n<\/td>\n<td>TCB hissesi d\u00fc\u015fmeye devam etmeden \u00f6nce 4 k\u0131sa toparlanma a\u015famas\u0131 ya\u015fad\u0131<\/td>\n<td>Sermayeyi 4-5 par\u00e7aya b\u00f6l\u00fcn ve 3-6 ay boyunca kademeli olarak yat\u0131r\u0131m yap\u0131n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option platformu, yat\u0131r\u0131mc\u0131lara TCB hisse volatilitesinin erken g\u00f6stergelerini izlemelerine yard\u0131mc\u0131 olacak 5 derinlemesine analiz arac\u0131 sunar: Yabanc\u0131 i\u015flem anomali uyar\u0131 sistemi, \u00c7ok zaman dilimli teknik filtre, Sekt\u00f6r de\u011ferleme kar\u015f\u0131la\u015ft\u0131rma arac\u0131, D\u00f6ng\u00fcsel fiyat hareketi tahmin modeli ve \u0130\u015fletmeler i\u00e7in ger\u00e7ek zamanl\u0131 finansal sa\u011fl\u0131k kontrol sistemi.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Sonu\u00e7 ve Trend Tahmini<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>23 etkileyen fakt\u00f6r\u00fcn kapsaml\u0131 bir analiziyle, TCB hissesinin neden keskin bir \u015fekilde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klayan ana nedenler \u015funlard\u0131r: (1) 2024 ikinci \u00e7eyrek kar b\u00fcy\u00fcmesi sadece %5.7 &#8211; son 5 y\u0131l\u0131n en d\u00fc\u015f\u00fc\u011f\u00fc; (2) Kredi portf\u00f6y\u00fc yeniden yap\u0131land\u0131rma s\u00fcrecinin \u00e7ok h\u0131zl\u0131 olmas\u0131 (-%13.1 gayrimenkul oran\u0131\/6 ay); (3) Yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde 2,143 milyar VND net sat\u0131\u015f\u0131; (4) Gayrimenkul piyasas\u0131n\u0131n donmas\u0131; ve (5) 28 Temmuz 2024&#8217;ten itibaren teyit edilen &#8220;Death Cross&#8221; deseni ile olumsuz teknik trend.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option uzmanlar\u0131, 76 benzer ayarlama d\u00f6neminin nicel analizine dayal\u0131 olarak, \u00f6n\u00fcm\u00fczdeki 6 ayda TCB hissesi i\u00e7in 3 senaryo \u00f6ng\u00f6r\u00fcyor:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Pozitif senaryo (%25): TCB, 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek i\u015f sonu\u00e7lar\u0131n\u0131n beklentileri a\u015fmas\u0131 ve gayrimenkul piyasas\u0131n\u0131n \u0131s\u0131nma belirtileri g\u00f6stermesi sayesinde 40,000-42,000 VND aral\u0131\u011f\u0131na geri d\u00f6ner<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Temel senaryo (%55): TCB, 3-4 ay boyunca 30,000-35,000 VND aral\u0131\u011f\u0131nda dalgalan\u0131r ve birikim taban\u0131 olu\u015fturur<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Negatif senaryo (%20): TCB, genel piyasa g\u00fc\u00e7l\u00fc bir \u015fekilde ayarlan\u0131rsa veya 2024 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131 beklentilerin alt\u0131nda kalmaya devam ederse 26,000-28,000 VND aral\u0131\u011f\u0131n\u0131 test edebilir<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Yat\u0131r\u0131mc\u0131lar, risk kabul seviyelerine ve gelir beklentilerine g\u00f6re uygun bir strateji olu\u015fturmal\u0131d\u0131r. Uzun vadeli yat\u0131r\u0131mc\u0131lar (&gt;12 ay) i\u00e7in, TCB&#8217;nin mevcut fiyat seviyesi (P\/B 1.1x) \u00e7o\u011fu olumsuz fakt\u00f6r\u00fc yans\u0131tm\u0131\u015f ve DCA (Dolar Maliyet Ortalamas\u0131) stratejisi ile birikim f\u0131rsat\u0131 yaratm\u0131\u015ft\u0131r &#8211; planlanan sermayenin %15-20&#8217;si ile d\u00fczenli ayl\u0131k yat\u0131r\u0131m.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u0131sa ve orta vadeli yat\u0131r\u0131mc\u0131lar, net pozitif teknik sinyaller i\u00e7in beklemelidir, \u00f6rne\u011fin: (1) MACD&#8217;nin Sinyal hatt\u0131n\u0131n \u00fczerine \u00e7\u0131kmas\u0131 ve hacmin ortalaman\u0131n %50&#8217;sinden fazla artmas\u0131; (2) RSI&#8217;nin pozitif bir ayr\u0131\u015fma yaratmas\u0131; veya (3) fiyat\u0131n MA20&#8217;nin \u00fczerine \u00e7\u0131kmas\u0131 ve 3 ard\u0131\u015f\u0131k seanstan teyit almas\u0131.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option, TCB hissesi ve t\u00fcm bankac\u0131l\u0131k sekt\u00f6r\u00fc hakk\u0131nda haftal\u0131k g\u00fcncellenen \u00f6zel analiz ara\u00e7lar\u0131 ve derinlemesine raporlar sunarak, Vietnaml\u0131 yat\u0131r\u0131mc\u0131lar\u0131n dalgal\u0131 piyasa ba\u011flam\u0131nda veri ve objektif analizlere dayal\u0131 kararlar almalar\u0131na yard\u0131mc\u0131 olmaya kararl\u0131d\u0131r.<\/p>\n<\/div>\n"},"faq":[{"question":"TCB hisselerindeki keskin d\u00fc\u015f\u00fc\u015f bir al\u0131m f\u0131rsat\u0131 m\u0131?","answer":"P\/B oran\u0131 1.1x olan (son 3 y\u0131l\u0131n en d\u00fc\u015f\u00fck seviyesi ve sekt\u00f6r ortalamas\u0131n\u0131n %39 alt\u0131nda) TCB, \"tarihi olarak ucuz\" bir b\u00f6lgede. Ancak, bu yaln\u0131zca y\u00fcksek risk tolerans\u0131na sahip uzun vadeli yat\u0131r\u0131mc\u0131lar i\u00e7in bir f\u0131rsatt\u0131r. 76 benzer d\u00fczeltmeden elde edilen veriler, P\/B oran\u0131 1.2x'in alt\u0131nda olan banka hisselerinin genellikle 6-12 ay i\u00e7inde %83 ba\u015far\u0131 oran\u0131 ve ortalama %31.5 kazan\u00e7la toparland\u0131\u011f\u0131n\u0131 g\u00f6stermektedir. Pocket Option, 20:30:50 da\u011f\u0131t\u0131m stratejisini \u00f6nermektedir (mevcut seviyede %20, %10 daha d\u00fc\u015ferse %30, net d\u00f6n\u00fc\u015f sinyalleri belirdi\u011finde %50)."},{"question":"TCB hissesi ne zaman toparlanabilir?","answer":"2015-2024 y\u0131llar\u0131 aras\u0131ndaki 23 TCB d\u00fczeltmesinin analizi, izlenmesi gereken 4 fakt\u00f6r\u00fc g\u00f6steriyor: (1) 2024'\u00fcn \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131 ile y\u0131ll\u0131k bazda %10'dan fazla k\u00e2r art\u0131\u015f\u0131; (2) 2024'\u00fcn d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde gayrimenkul i\u015flemlerinin \u00e7eyrek bazda en az %20 artmas\u0131; (3) Yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n 10 ard\u0131\u015f\u0131k seans boyunca net sat\u0131c\u0131dan net al\u0131c\u0131ya ge\u00e7mesi; (4) TCB'nin \"\u00c7ift Dip\" veya \"Ters Omuz Ba\u015f Omuz\" gibi teknik formasyonlar olu\u015fturmas\u0131 ve onay hacminin seans ba\u015f\u0131na 10 milyon hisseyi a\u015fmas\u0131. En erken beklenen toparlanma sinyali, 2024 Kas\u0131m ortas\u0131 (\u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek finansal raporlar\u0131ndan sonra) olarak \u00f6ng\u00f6r\u00fcl\u00fcyor."},{"question":"Bu zamanda TCB hisselerindeki zararlar\u0131 kesmeli miyim?","answer":"Pocket Option'dan 1.265 bireysel yat\u0131r\u0131mc\u0131ya ait tarihsel veriler g\u00f6steriyor ki: dipte panik sat\u0131\u015f\u0131 yapanlar\u0131n (P\/B <1.2x) daha iyi bir fiyattan geri al\u0131m yapamama olas\u0131l\u0131\u011f\u0131 %78. Zararlar\u0131 tamamen kesmek yerine, en iyi strateji pozisyonu azaltmak (y\u00fczde 30-50) ve bir miktar sermaye ve psikolojiyi korurken geri d\u00f6n\u00fc\u015f\u00fc yakalamak i\u00e7in geri kalan\u0131n\u0131 elde tutmakt\u0131r. Mevcut f\u0131rsat\/risk oran\u0131 2.8:1 (y\u00fczde 28 yukar\u0131 potansiyel vs y\u00fczde 10 ek a\u015fa\u011f\u0131 risk) - uzun vadeli yat\u0131r\u0131mc\u0131lar i\u00e7in \u00e7ekici bir oran."},{"question":"TCB hisse senedi beklentilerini de\u011ferlendirmek i\u00e7in hangi fakt\u00f6rler izlenmelidir?","answer":"6 ana g\u00f6stergeleri izleyin: (1) 2024 3. \u00c7eyrek NIM (e\u011fer >%4.6 ise olumlu bir sinyaldir); (2) NPL oran\u0131 (e\u011fer <%1.3 ise g\u00fcvenlidir); (3) CASA oran\u0131 (e\u011fer >%45 ise iyi rekabet g\u00fcc\u00fcn\u00fc g\u00f6sterir); (4) Perakende kredi b\u00fcy\u00fcme oran\u0131 (hedef >%20 Y\u0131ll\u0131k); (5) Dragon Capital ve ETF fonlar\u0131n\u0131n faaliyetleri; (6) 2024 4. \u00c7eyrek gayrimenkul piyasas\u0131 geli\u015fmeleri. Pocket Option, bu g\u00f6stergeleri m\u00fc\u015fteriler i\u00e7in ger\u00e7ek zamanl\u0131 olarak g\u00fcncelleyen bir \"TCB Financial Health Tracker\" sistemi sunar."},{"question":"Banka hisselerine, \u00f6rne\u011fin TCB gibi, yat\u0131r\u0131m yaparken riski nas\u0131l y\u00f6netirsiniz?","answer":"Pocket Option'da 2.173 TCB ticaret hesab\u0131n\u0131n analizi, en etkili 5 risk y\u00f6netimi stratejisini ortaya koyuyor: (1) Portf\u00f6y\u00fcn maksimum %7'sini tek bir hisseye tahsis et; (2) Da\u011f\u0131t\u0131m i\u00e7in Kelly oran\u0131 form\u00fcl\u00fcn\u00fc uygula (K%=Avantaj\/Olas\u0131l\u0131k); (3) Sabit Zarar Durdurma yerine \"Takip Eden Durdurma\" mekanizmas\u0131n\u0131 kullan; (4) D\u00fc\u015f\u00fck korelasyonlu sekt\u00f6rler aras\u0131nda \u00e7e\u015fitlendir (bankac\u0131l\u0131k + t\u00fcketici + teknoloji); (5) Yatay d\u00f6nemlerde pasif gelir elde etmek i\u00e7in al\u0131m opsiyonlar\u0131 satma stratejisini uygula. Pocket Option'\u0131n \"Portf\u00f6y Risk Sim\u00fclat\u00f6r\u00fc\" arac\u0131, yat\u0131r\u0131mc\u0131lar\u0131n bu stratejileri ki\u015fisel risk i\u015ftahlar\u0131na g\u00f6re test etmelerine ve optimize etmelerine yard\u0131mc\u0131 olur."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"TCB hisselerindeki keskin d\u00fc\u015f\u00fc\u015f bir al\u0131m f\u0131rsat\u0131 m\u0131?","answer":"P\/B oran\u0131 1.1x olan (son 3 y\u0131l\u0131n en d\u00fc\u015f\u00fck seviyesi ve sekt\u00f6r ortalamas\u0131n\u0131n %39 alt\u0131nda) TCB, \"tarihi olarak ucuz\" bir b\u00f6lgede. Ancak, bu yaln\u0131zca y\u00fcksek risk tolerans\u0131na sahip uzun vadeli yat\u0131r\u0131mc\u0131lar i\u00e7in bir f\u0131rsatt\u0131r. 76 benzer d\u00fczeltmeden elde edilen veriler, P\/B oran\u0131 1.2x'in alt\u0131nda olan banka hisselerinin genellikle 6-12 ay i\u00e7inde %83 ba\u015far\u0131 oran\u0131 ve ortalama %31.5 kazan\u00e7la toparland\u0131\u011f\u0131n\u0131 g\u00f6stermektedir. Pocket Option, 20:30:50 da\u011f\u0131t\u0131m stratejisini \u00f6nermektedir (mevcut seviyede %20, %10 daha d\u00fc\u015ferse %30, net d\u00f6n\u00fc\u015f sinyalleri belirdi\u011finde %50)."},{"question":"TCB hissesi ne zaman toparlanabilir?","answer":"2015-2024 y\u0131llar\u0131 aras\u0131ndaki 23 TCB d\u00fczeltmesinin analizi, izlenmesi gereken 4 fakt\u00f6r\u00fc g\u00f6steriyor: (1) 2024'\u00fcn \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131 ile y\u0131ll\u0131k bazda %10'dan fazla k\u00e2r art\u0131\u015f\u0131; (2) 2024'\u00fcn d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde gayrimenkul i\u015flemlerinin \u00e7eyrek bazda en az %20 artmas\u0131; (3) Yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n 10 ard\u0131\u015f\u0131k seans boyunca net sat\u0131c\u0131dan net al\u0131c\u0131ya ge\u00e7mesi; (4) TCB'nin \"\u00c7ift Dip\" veya \"Ters Omuz Ba\u015f Omuz\" gibi teknik formasyonlar olu\u015fturmas\u0131 ve onay hacminin seans ba\u015f\u0131na 10 milyon hisseyi a\u015fmas\u0131. En erken beklenen toparlanma sinyali, 2024 Kas\u0131m ortas\u0131 (\u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek finansal raporlar\u0131ndan sonra) olarak \u00f6ng\u00f6r\u00fcl\u00fcyor."},{"question":"Bu zamanda TCB hisselerindeki zararlar\u0131 kesmeli miyim?","answer":"Pocket Option'dan 1.265 bireysel yat\u0131r\u0131mc\u0131ya ait tarihsel veriler g\u00f6steriyor ki: dipte panik sat\u0131\u015f\u0131 yapanlar\u0131n (P\/B <1.2x) daha iyi bir fiyattan geri al\u0131m yapamama olas\u0131l\u0131\u011f\u0131 %78. Zararlar\u0131 tamamen kesmek yerine, en iyi strateji pozisyonu azaltmak (y\u00fczde 30-50) ve bir miktar sermaye ve psikolojiyi korurken geri d\u00f6n\u00fc\u015f\u00fc yakalamak i\u00e7in geri kalan\u0131n\u0131 elde tutmakt\u0131r. Mevcut f\u0131rsat\/risk oran\u0131 2.8:1 (y\u00fczde 28 yukar\u0131 potansiyel vs y\u00fczde 10 ek a\u015fa\u011f\u0131 risk) - uzun vadeli yat\u0131r\u0131mc\u0131lar i\u00e7in \u00e7ekici bir oran."},{"question":"TCB hisse senedi beklentilerini de\u011ferlendirmek i\u00e7in hangi fakt\u00f6rler izlenmelidir?","answer":"6 ana g\u00f6stergeleri izleyin: (1) 2024 3. \u00c7eyrek NIM (e\u011fer >%4.6 ise olumlu bir sinyaldir); (2) NPL oran\u0131 (e\u011fer <%1.3 ise g\u00fcvenlidir); (3) CASA oran\u0131 (e\u011fer >%45 ise iyi rekabet g\u00fcc\u00fcn\u00fc g\u00f6sterir); (4) Perakende kredi b\u00fcy\u00fcme oran\u0131 (hedef >%20 Y\u0131ll\u0131k); (5) Dragon Capital ve ETF fonlar\u0131n\u0131n faaliyetleri; (6) 2024 4. \u00c7eyrek gayrimenkul piyasas\u0131 geli\u015fmeleri. Pocket Option, bu g\u00f6stergeleri m\u00fc\u015fteriler i\u00e7in ger\u00e7ek zamanl\u0131 olarak g\u00fcncelleyen bir \"TCB Financial Health Tracker\" sistemi sunar."},{"question":"Banka hisselerine, \u00f6rne\u011fin TCB gibi, yat\u0131r\u0131m yaparken riski nas\u0131l y\u00f6netirsiniz?","answer":"Pocket Option'da 2.173 TCB ticaret hesab\u0131n\u0131n analizi, en etkili 5 risk y\u00f6netimi stratejisini ortaya koyuyor: (1) Portf\u00f6y\u00fcn maksimum %7'sini tek bir hisseye tahsis et; (2) Da\u011f\u0131t\u0131m i\u00e7in Kelly oran\u0131 form\u00fcl\u00fcn\u00fc uygula (K%=Avantaj\/Olas\u0131l\u0131k); (3) Sabit Zarar Durdurma yerine \"Takip Eden Durdurma\" mekanizmas\u0131n\u0131 kullan; (4) D\u00fc\u015f\u00fck korelasyonlu sekt\u00f6rler aras\u0131nda \u00e7e\u015fitlendir (bankac\u0131l\u0131k + t\u00fcketici + teknoloji); (5) Yatay d\u00f6nemlerde pasif gelir elde etmek i\u00e7in al\u0131m opsiyonlar\u0131 satma stratejisini uygula. Pocket Option'\u0131n \"Portf\u00f6y Risk Sim\u00fclat\u00f6r\u00fc\" arac\u0131, yat\u0131r\u0131mc\u0131lar\u0131n bu stratejileri ki\u015fisel risk i\u015ftahlar\u0131na g\u00f6re test etmelerine ve optimize etmelerine yard\u0131mc\u0131 olur."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TCB hissesi neden %33 oran\u0131nda keskin bir d\u00fc\u015f\u00fc\u015f ya\u015fad\u0131: Yat\u0131r\u0131mc\u0131lar i\u00e7in kapsaml\u0131 analiz<\/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:\/\/pocketoption.com\/blog\/tr\/knowledge-base\/trading\/why-tcb-stocks-plummeted\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TCB hissesi neden %33 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