{"id":11210,"date":"2012-02-03T15:22:27","date_gmt":"2012-02-03T13:22:27","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=11210"},"modified":"2012-02-03T15:22:38","modified_gmt":"2012-02-03T13:22:38","slug":"yabanci-bankacilikta-egilimler","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/yabanci-bankacilikta-egilimler\/","title":{"rendered":"Yabanc\u0131 Bankac\u0131l\u0131kta E\u011filimler"},"content":{"rendered":"<p>K\u00fcreselle\u015fmenin h\u0131zlanmas\u0131ndan sonra ve \u00f6zellikle 1990\u2019l\u0131 y\u0131llar\u0131n ba\u015f\u0131ndan krize kadar ge\u00e7en d\u00f6nemde d\u00fcnyada yabanc\u0131 bankalar\u0131n say\u0131s\u0131nda h\u0131zl\u0131 bir art\u0131\u015f g\u00f6zlendi\u011fi malum.<br \/>\nSay\u0131lar\u0131 1995 y\u0131l\u0131nda 774 iken, 2009\u2019da 1334\u2019e ula\u015fm\u0131\u015f. Art\u0131\u015f oran\u0131 y\u00fczde 72. Pazar paylar\u0131n\u0131 da y\u00fczde 20\u2019den y\u00fczde 34\u2019e \u00e7\u0131karm\u0131\u015flar.<br \/>\nGeli\u015fen piyasalarda ise banka say\u0131lar\u0131ndaki art\u0131\u015f daha da belirgin. 330\u2019dan 569\u2019a y\u00fckselmi\u015f. Pazar pay\u0131 art\u0131\u015f\u0131 ise y\u00fczde 100\u2019e yak\u0131n. 2009 y\u0131l\u0131nda geli\u015fen \u00fclke pazarlar\u0131n\u0131n y\u00fczde 36\u2019s\u0131 yabanc\u0131 bankalara ait.<br \/>\nBu verileri ve yabanc\u0131 bankalar\u0131n gittikleri \u00fclkeye olan etkilerini IMF\u2019nin son bir \u00e7al\u0131\u015fmas\u0131nda g\u00f6rd\u00fcm.(*) 137 \u00fclkede 1995 ile 2009 y\u0131llar\u0131 aras\u0131ndaki d\u00f6neme ait veri setiyle durumu analiz etmi\u015fler.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3663720483\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><strong>GENEL YAPI\u00a0<\/strong><br \/>\nT\u00fcrkiye\u2019nin de i\u00e7inde bulundu\u011fu \u00fclkelerdeki yabanc\u0131 bankalar\u0131n genel yap\u0131s\u0131 \u015f\u00f6yle \u00f6zetlenmi\u015f:<\/p>\n<ul>\n<li>Yabanc\u0131 bankalar gittikleri \u00fclkede daha y\u00fcksek sermaye ve daha fazla likiditeyle \u00e7al\u0131\u015f\u0131yorlar.<\/li>\n<\/ul>\n<ul>\n<li>K\u00e2rl\u0131l\u0131klar\u0131 yerli bankalara k\u0131yasla y\u00fcksek.<\/li>\n<\/ul>\n<ul>\n<li>Piyasa paylar\u0131 sanayile\u015fmi\u015f \u00fclkelerde ortalaman\u0131n alt\u0131nda. Y\u00fczde 20 civar\u0131nda.<\/li>\n<\/ul>\n<ul>\n<li>En y\u00fcksek oranda yabanc\u0131 bankalara sahip olanlar eski Do\u011fu Bloku, Latin Amerika ve k\u00fc\u00e7\u00fck ada \u00fclkeleri.<\/li>\n<\/ul>\n<ul>\n<li>Krizlere hassaslar. B\u00f6yle durumlarda kredilerini yerli bankalara k\u0131yasla daha h\u0131zl\u0131 bir bi\u00e7imde geri \u00e7a\u011f\u0131r\u0131yorlar. Finansal istikrara katk\u0131lar\u0131 kriz zamanlar\u0131nda azal\u0131yor.<\/li>\n<\/ul>\n<ul>\n<li>Y\u00fcksek k\u00e2rlar\u0131n\u0131 d\u0131\u015far\u0131ya transfer ederek geli\u015fen \u00fclkelerde yat\u0131r\u0131ma y\u00f6nelebilecek fonlar\u0131n azalmas\u0131na neden oluyorlar.<\/li>\n<\/ul>\n<p><strong>T\u00dcRK\u0130YE\u2019DE DURUM\u00a0<\/strong><br \/>\nT\u00fcrkiye\u2019nin Osmanl\u0131 d\u00f6neminde bile yabanc\u0131 bankalara ye\u015fil \u0131\u015f\u0131k yakm\u0131\u015f bir \u00fclke oldu\u011funu unutmayal\u0131m.<br \/>\nNe var ki ge\u00e7mi\u015fte ya\u015fad\u0131\u011f\u0131m\u0131z ekonomik zorluklar 70\u2019li ve 80\u2019li y\u0131llarda yabanc\u0131 bankalar\u0131n say\u0131s\u0131n\u0131 5\u2019e kadar indirmi\u015fti. Ancak 2000\u2019li y\u0131llar\u0131n ortalar\u0131ndan itibaren T\u00fcrkiye de bu r\u00fczg\u00e2ra kap\u0131ld\u0131. Kendini \u201cpiyasa dinamikleri\u201d i\u00e7ine b\u0131rakt\u0131 ve 2009 y\u0131l\u0131nda yabanc\u0131 bankalar\u0131n hisse paylar\u0131n\u0131n y\u00fczde 43\u2019e eri\u015fti\u011fi bir sistemi olu\u015fturdu.<br \/>\nD\u00fcnyadaki yap\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda tablomuz \u015f\u00f6yle g\u00f6r\u00fcn\u00fcyor:<\/p>\n<ul>\n<li>Yabanc\u0131 banka hisselerinin oran\u0131 bizde y\u00fczde 43. Bu oran d\u00fcnya genelinin (% 34) ve OECD ortalamas\u0131n\u0131n (% 24) \u00fczerinde.<\/li>\n<\/ul>\n<ul>\n<li>Aktif toplam\u0131na oran olarak T\u00fcrkiye y\u00fczde 14 ile genel ortalamaya (% 13) yak\u0131n bir konumda bulunuyor.<\/li>\n<\/ul>\n<ul>\n<li>D\u00fcnyadaki yap\u0131ya paralel olarak toplamda hisse pay\u0131 a\u00e7\u0131s\u0131ndan y\u00fcksek olan yabanc\u0131 bankalar, aktif toplam\u0131na oranla d\u00fc\u015f\u00fck d\u00fczeylerini koruyor.<\/li>\n<\/ul>\n<ul>\n<li>B\u00fcy\u00fck bankalardaki yabanc\u0131 pay\u0131n\u0131n fazla olmamas\u0131, yabanc\u0131 bankalar\u0131n pazar pay\u0131n\u0131n d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcne neden oluyor.<\/li>\n<\/ul>\n<p>Gelece\u011fe bakt\u0131\u011f\u0131m\u0131zda, krizin yabanc\u0131 banka art\u0131\u015f\u0131n\u0131 frenlemesi nedeniyle bu konudaki e\u011filimlerin y\u00fcksek olmayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<br \/>\nAyr\u0131ca Basel III\u2019\u00fcn yeni kurallar\u0131 da bankac\u0131l\u0131\u011f\u0131 zorluyor. Di\u011fer \u00fclkelerde banka alma konusundaki i\u015ftah\u0131 frenliyor.<br \/>\nBuna kar\u015f\u0131 nakit zengini petrol ihra\u00e7 eden \u00fclkelerin banka alma arzular\u0131 ge\u00e7mi\u015fe oranla daha y\u00fcksek. Bunu biz de hissediyoruz.<br \/>\n\u00d6n\u00fcm\u00fczdeki 5 y\u0131lda T\u00fcrkiye\u2019deki mevcut durumun de\u011fi\u015fmesini beklemiyorum. Yabanc\u0131 banka hisselerinin toplamda y\u00fczde 50\u2019yi ge\u00e7ebilece\u011fini zannetmiyorum. Toplam aktif i\u00e7indeki paylar\u0131n\u0131n ise y\u00fczde 20\u2019yi a\u015fmas\u0131 g\u00fc\u00e7.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>K\u00fcreselle\u015fmenin h\u0131zlanmas\u0131ndan sonra ve \u00f6zellikle 1990\u2019l\u0131 y\u0131llar\u0131n ba\u015f\u0131ndan krize kadar ge\u00e7en d\u00f6nemde d\u00fcnyada yabanc\u0131 bankalar\u0131n say\u0131s\u0131nda h\u0131zl\u0131 bir art\u0131\u015f g\u00f6zlendi\u011fi malum. Say\u0131lar\u0131 1995 y\u0131l\u0131nda 774&hellip;<\/p>\n","protected":false},"author":418,"featured_media":5395,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/11210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/418"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=11210"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/11210\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/5395"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=11210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=11210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=11210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}