{"id":13026,"date":"2023-06-14T08:51:10","date_gmt":"2023-06-14T05:51:10","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=13026"},"modified":"2023-06-14T08:51:10","modified_gmt":"2023-06-14T05:51:10","slug":"bankalar-yuksek-kayip-riskiyle-karsi-karsiya","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/bankalar-yuksek-kayip-riskiyle-karsi-karsiya\/","title":{"rendered":"Bankalar y\u00fcksek kay\u0131p riskiyle kar\u015f\u0131 kar\u015f\u0131ya"},"content":{"rendered":"<p><strong>(The Turkish Post) \u2013<\/strong> Ekonomi y\u00f6netiminin devreye ald\u0131\u011f\u0131 yapt\u0131r\u0131mlarla d\u00fc\u015f\u00fck faizli devlet tahvili tutmak zorunda kalan bankalar\u0131n faizlerin artmas\u0131yla 200 milyar liral\u0131k kay\u0131p ya\u015fayabilece\u011fi ifade ediliyor.<\/p>\n<p>D\u00fczenlemelerden bunalan bankalar 22 Haziran&#8217;da faiz art\u0131r\u0131m\u0131na haz\u0131rlanan Merkez Bankas\u0131&#8217;ndan (TCMB) ve Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu&#8217;ndan (BDDK) bir an \u00f6nce normalle\u015fme ad\u0131mlar\u0131 bekliyor. Sekt\u00f6rde ticari krediler durma noktas\u0131na gelirken, bankalar ihtiya\u00e7 kredileri de ayn\u0131 \u015fekilde menkul k\u0131ymet tesisi zorunlulu\u011fu nedeniyle i\u015ftahs\u0131z davran\u0131yor.<\/p>\n<p><strong>2.5 TR\u0130LYONLUK Y\u00dcK<\/strong><\/p>\n<p>Kur Korumal\u0131 Mevduat (KKM) hedeflerinin de bankalar\u0131 \u00e7ok zorlad\u0131\u011f\u0131 belirtilirken, d\u00f6viz al\u0131m\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek ad\u0131na uygulanan bu reg\u00fclasyonlar\u0131n ayn\u0131 anda olmasa da ad\u0131m ad\u0131m yumu\u015fat\u0131lmas\u0131 bekleniyor. Verilen bilgiye g\u00f6re bankalar\u0131n \u00f6nceli\u011fi ticari krediler \u00f6n\u00fcndeki menkul k\u0131ymet y\u00fck\u00fcn\u00fcn tamamen kald\u0131r\u0131lmas\u0131. Bankalar \u015fu anda tuttuklar\u0131 d\u00f6viz mevduat\u0131 ve kulland\u0131rd\u0131klar\u0131 ticari ve bireysel krediler kar\u015f\u0131l\u0131\u011f\u0131nda tahvil almak zorundalar. \u00c7\u00fcnk\u00fc ekonomi y\u00f6netimi, bir\u00e7ok reg\u00fclasyona tabi tutarak bankalar\u0131 devlet i\u00e7 bor\u00e7lanma senetleri (D\u0130BS) almaya zorluyor.<\/p>\n<p>Bankalar\u0131n mecburen ald\u0131\u011f\u0131 tahviller kredi mekanizmas\u0131n\u0131 kilitledi\u011fi gibi ayn\u0131 zamanda sekt\u00f6r\u00fcn s\u0131rt\u0131nda ciddi bir kambura d\u00f6n\u00fc\u015ft\u00fc. Merkez Bankas\u0131 verilerine g\u00f6re piyasa de\u011feri itibar\u0131yla toplam 3 trilyon 387 milyar TL&#8217;lik tahvil portf\u00f6y\u00fcn\u00fcn 2 trilyon 580 milyar TL&#8217;si, yani y\u00fczde 76&#8217;s\u0131 bankalar\u0131n elinde. Bloomberg Intelligence&#8217;\u0131n, yeni ekonomi y\u00f6netiminin bankalar \u00fczerindeki etkilerini de\u011ferlendirdi\u011fi T\u00fcrkiye raporunda, tahvil faizlerindeki y\u00fckseli\u015fin, portf\u00f6ylerinde y\u00fcksek miktarda devlet tahvili bulunan bankalar\u0131n 200 milyar liral\u0131k kay\u0131p ya\u015famas\u0131na sebep olabilece\u011fi ve bunun da bankalar\u0131n sermaye yeterlilik rasyosunda 200 baz puanl\u0131k d\u00fc\u015f\u00fc\u015fe neden olarak y\u00fczde 15&#8217;e geriletebilece\u011fi \u00f6ng\u00f6r\u00fcld\u00fc.<\/p>\n<p><strong>TL&#8217;de y\u00fczde 15&#8217;lik kay\u0131p zorlar<\/strong><\/p>\n<p>ABD&#8217;li yay\u0131n kurulu\u015fu Bloomberg Intelligence raporunda, son d\u00f6nemde TL&#8217;nin ya\u015fad\u0131\u011f\u0131 y\u00fczde 15&#8217;ten fazla de\u011fer kayb\u0131n\u0131n T\u00fcrk bankalar\u0131n\u0131 etkileyece\u011fi \u00f6ng\u00f6r\u00fcld\u00fc. Kurdaki art\u0131\u015f nedeniyle d\u00f6rt b\u00fcy\u00fck yerli bankan\u0131n sermaye yeterlilik oran\u0131n\u0131n 65 baz puan d\u00fc\u015febilece\u011fi belirtildi. Raporda, T\u00fcrk bankalar\u0131n\u0131n kriz y\u00f6netimi becerilerinin bu y\u0131l test edilece\u011fine vurgu yap\u0131l\u0131rken, 2018 krizine at\u0131fta bulunularak bankalar\u0131n faiz kaynakl\u0131 \u015fok terapilerine yabanc\u0131 olmad\u0131\u011f\u0131 vurguland\u0131. \u00d6te yandan kurum analistlerine g\u00f6re ise piyasa her ne kadar ortodoks politikalara h\u0131zl\u0131 bir d\u00f6n\u00fc\u015f\u00fc tercih etse de h\u00fck\u00fcmet i\u00e7in b\u00fcy\u00fcme ve istihdam\u0131n \u00f6nceli\u011fini koruyabilece\u011fi belirtildi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(The Turkish Post) \u2013 Ekonomi y\u00f6netiminin devreye ald\u0131\u011f\u0131 yapt\u0131r\u0131mlarla d\u00fc\u015f\u00fck faizli devlet tahvili tutmak zorunda kalan bankalar\u0131n faizlerin artmas\u0131yla 200 milyar liral\u0131k kay\u0131p ya\u015fayabilece\u011fi ifade ediliyor. D\u00fczenlemelerden bunalan bankalar 22 Haziran&#8217;da faiz art\u0131r\u0131m\u0131na haz\u0131rlanan Merkez Bankas\u0131&#8217;ndan (TCMB) ve Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu&#8217;ndan (BDDK) bir an \u00f6nce normalle\u015fme ad\u0131mlar\u0131 bekliyor. Sekt\u00f6rde ticari krediler durma noktas\u0131na [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":13027,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"S\u00f6zc\u00fc","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"1","zoom_button_out_step":"4","zoom_button_in_step":"4","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"2","hide":""},"jnews_override_bookmark_settings":{"override_bookmark_button":"0","override_show_bookmark_button":"0"},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[2,1],"tags":[756,1003,1422,1259],"class_list":["post-13026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-banka","tag-faiz","tag-slider-manset","tag-tcmb"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/13026","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=13026"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/13026\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/13027"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=13026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=13026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=13026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}