Garanti bankas\u0131 genel m\u00fcd\u00fcr\u00fc \u00d6zen, bankas\u0131n\u0131n ilk \u00e7eyrekte ba\u015far\u0131l\u0131 sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klad\u0131\u011f\u0131 toplant\u0131da, sorular\u0131 yan\u0131tlarken sekt\u00f6rde artan sorunlu krediler konusunun olumsuzluk yaratt\u0131\u011f\u0131 belirtti. Merkez Bankas\u0131 politikalar\u0131n\u0131, Bes d\u00fczenlemeleri ve Te\u015fvik sistemini be\u011fendi\u011fini s\u00f6ylerken baz\u0131 sorular \u00fczerine bankac\u0131l\u0131k sekt\u00f6r\u00fcne de i\u011fne bat\u0131rmaktan ka\u00e7\u0131nmad\u0131\u2026
\nNOT: Bir toplant\u0131ya gitmem nedeniyle d\u00fcn yay\u0131nlanmas\u0131 gereken bu yaz\u0131m, bug\u00fcn yay\u0131nlanmas\u0131 gereken yaz\u0131m\u0131n yerine sayfada yer alm\u0131\u015f. O nedenle \u00d6zen’in s\u00f6yledikleriyle ilgili yaz\u0131m\u0131 bug\u00fcn yay\u0131nl\u0131yorum.
\nGaranti Bankas\u0131 Genel m\u00fcd\u00fcr\u00fc Ergun \u00d6zen, bankas\u0131n\u0131n y\u0131l\u0131n ilk \u00e7eyre\u011fi ile ilgili, kendisini sevindiren verileri a\u00e7\u0131klar ve sorulara yan\u0131t verirken, sekt\u00f6rde takipteki alacaklar\u0131n y\u00fczde 2.7′ oran\u0131na ula\u015fmas\u0131n\u0131 olumsuz ve \u00fcrk\u00fct\u00fcc\u00fc buldu\u011funu a\u00e7\u0131klam\u0131\u015f, BES’teki y\u00fczde 25 kamu pay\u0131 katk\u0131s\u0131 i\u00e7eren yeni d\u00fczenlemeyi olumlu bulup sevinirken, Merkez Bankas\u0131’n\u0131n “Kredi faizlerinin indirilmesini istememesini” para politikas\u0131n\u0131n anla\u015f\u0131lmas\u0131 gereken bir unsuru olarak d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klam\u0131\u015f.
\n\u015eimdi bunlardan \u00f6ncelikle \u00d6zen’in y\u00fczde 2.7’ler oran\u0131na y\u00fckselen sorunlu kredilerle ilgili s\u00f6ylediklerine bakal\u0131m: “Sekt\u00f6rde takipteki krediler oran\u0131 y\u00fczde 2.7’ye y\u00fckseldi ve sorunlu kredi oran\u0131 art\u0131\u015f\u0131n\u0131 s\u00fcrd\u00fcr\u00fcyor. Bunu da kredi kartlar\u0131 ve ihtiya\u00e7 kredilerinde \u00e7ok net g\u00f6rmeye ba\u015flad\u0131k.”
\nAsl\u0131nda BDDK verilerine bakt\u0131\u011f\u0131m\u0131zda sorunlu kredi oran\u0131n\u0131n 2005’te y\u00fczde 4.72’ler, 2009’da 5.26’lar seviyelerine \u00e7\u0131kt\u0131\u011f\u0131 d\u00f6nemler oldu\u011funu g\u00f6r\u00fcyoruz.2009 sonras\u0131 gerilemeye ba\u015flad\u0131\u011f\u0131n\u0131 2010 sonunda y\u00fczde 3.66, 2011 sonunda y\u00fczde 2.70 olarak son be\u015f y\u0131l\u0131n en d\u00fc\u015f\u00fck seviyesini g\u00f6rd\u00fckten sonra bu y\u0131l\u0131n ilk iki ay\u0131nda art\u0131\u015fa ge\u00e7erek Ocak’ta y\u00fczde 2.77, \u015eubat’ta y\u00fczde 2.78’e \u00e7\u0131karak y\u00fckseli\u015fini s\u00fcrd\u00fcr\u00fcyor.
\nAma bize g\u00f6re \u00fcrk\u00fct\u00fcc\u00fc olan ge\u00e7enlerde “Hane halk\u0131 bor\u00e7 yi\u011fidin kam\u00e7\u0131s\u0131 diyor” ba\u015fl\u0131kl\u0131 yaz\u0131mda belirtti\u011fim tablo. Hane halk\u0131n\u0131n 2003 y\u0131l\u0131nda 8 milyar lira olan toplam borcu 8y\u0131lda 26 kat art\u0131p 206 milyar liraya y\u00fckselirken, toplam birikimlerinin y\u00fczde 5.1’i seviyesinden y\u00fczde 40.5 seviyesine y\u00fckselmi\u015f olmas\u0131. Ayn\u0131 d\u00f6nem “kurals\u0131z da\u011f\u0131t\u0131lan” kredi kart say\u0131s\u0131n\u0131n 19 milyondan 51 milyona y\u00fckseldi\u011fi d\u00f6neme denk geliyor. \u00dcrk\u00fct\u00fcc\u00fc tablo, yar\u0131n korkusu buradan kaynaklan\u0131yor.<\/p>