Deposits in the Banking Sector Decreased by 504 Billion TL, Loans Increased

The news highlights a decline in deposits and an increase in loans; this is generally a mixed signal for banks. While deposit outflows can raise funding costs, loan growth can support interest income. Technical indicators are already weak: RSI at 33.8, near oversold territory, MACD below the signal line, and price below the SMA20. Short-term bounce buying may occur, but the trend is downward. Therefore, I assess the impact as neutral.

The 504 billion TL decrease in deposits may be perceived negatively for banks in terms of funding costs and liquidity; however, the increase in loans could support net interest margin and profitability expectations. In GARAN's technical outlook, the price is below the SMA20, slightly above the SMA50, and the RSI at 41 indicates a weak-neutral zone; the MACD is below the signal line but above zero. Since the news impact is two-way, it does not produce a clear directional signal in the short term. In the 1-3 day perspective, a fluctuating course in the 132-135 band and volatility depending on the news flow are expected. Since there is no clear catalyst for direction, a cautious neutral stance is appropriate.

The 504 billion TL decline in deposits may be perceived negatively for banks in terms of funding costs and liquidity, but the increase in loans could positively reflect on the net interest margin. ISCTR's price at 13.65 is below the SMA20 (14.04) and above the SMA50 (13.45); a weak trend prevails in the short term. RSI at 45 is in neutral territory, MACD is below the signal line, and momentum is weak. Since the news impact is mixed for the sector overall, it does not generate a strong directional signal on its own. In the 1-3 day outlook, a neutral trend is expected, and the 13.45-14.04 band should be monitored.

The news highlights a decline in deposits and an increase in loans; this is generally a mixed signal for banks. While deposit loss may increase funding costs, loan growth can support interest income. HALKB stock fell 1.35% in the last 24 hours to 49.52 TL, with an RSI of 41 indicating weakness and MACD in negative territory. The price is trading below its SMA20 and SMA50, suggesting that short-term downward pressure may continue. The impact of the news may be limited; the decline in deposits could create liquidity concerns across the sector, but loan growth may be compensatory. Therefore, the direction is uncertain, and a neutral stance is appropriate.