{"id":206,"date":"2011-05-12T21:18:34","date_gmt":"2011-05-12T18:18:34","guid":{"rendered":"http:\/\/bilgeyatirimci.net\/?p=206"},"modified":"2011-06-04T19:50:15","modified_gmt":"2011-06-04T16:50:15","slug":"bankacilik-karlarinda-ki-azalis-ozel-sektoru-etkileyecek-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bankacilik-karlarinda-ki-azalis-ozel-sektoru-etkileyecek-mi\/","title":{"rendered":"Bankac\u0131l\u0131k Karlar\u0131nda ki Azal\u0131\u015f \u00d6zel Sekt\u00f6r\u00fc Etkileyecek mi?"},"content":{"rendered":"<p>Hafta i\u00e7inde, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, 2011 y\u0131l\u0131\u00a0 1.\u00e7eyrek bankac\u0131l\u0131k raporunu yay\u0131mland\u0131. Sonu\u00e7lar ilk bak\u0131\u015fta, Avrupa Bankac\u0131l\u0131k sistemi kriterlerine g\u00f6re olumlu geli\u015fme g\u00f6stermesine ra\u011fmen, gelecek aylar i\u00e7in g\u00f6r\u00fcn\u00fcm pek ho\u015f de\u011fil.\u00a0\u00a0\u00a0 Raporda dikkatimi \u00e7eken konu ise, Merkez Bankas\u0131&#8217;n\u0131n ald\u0131\u011f\u0131 ekonomik tedbirlerin, etkisini g\u00f6stermi\u015f olmas\u0131.\u00a0 Buna g\u00f6re, T\u00fcrk Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn aktif toplam\u0131 2011 y\u0131l\u0131 1. \u00e7eyre\u011finde % 3,9 artm\u0131\u015f, kredilerin art\u0131\u015f h\u0131z\u0131 ise\u00a0 yava\u015flam\u0131\u015f durumda. Bankalar\u0131n Menkul k\u0131ymetler c\u00fczdan\u0131ndaki aktif pay\u0131 ise\u00a0 azalmaya devam ediyor. Banka k\u00e2rlar\u0131 ise, ki bana g\u00f6re en \u00f6nemli g\u00f6sterge, ortalama % 15 oran\u0131nda azalm\u0131\u015f durumda.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1874065420\"><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>Bug\u00fcn T\u00fcrk Bankac\u0131l\u0131k sekt\u00f6r\u00fc, y\u00fczde 18&#8217;lik sermaye yeterlilik rasyosu ile, Avrupa&#8217;n\u0131n Basel II kriterleriyle bankalara uygulamak istedi\u011fi,\u00a0 %8&#8217;lik yeterlilik oran\u0131ndan \u00e7ok daha iyi durumda ve \u015fu an i\u00e7in, bankalar\u0131m\u0131z\u0131n mali yap\u0131s\u0131 son derece sa\u011fl\u0131kl\u0131. Yeterlilik\u00a0 rasyosu yan\u0131nda,\u00a0 2011 y\u0131l\u0131 birinci \u00e7eyre\u011finde bankalar\u0131n takipte ki kredi oran\u0131, 2010 y\u0131l\u0131 Mart d\u00f6nemine g\u00f6re, % 4,9&#8217;dan % 3,2&#8217;ye inmi\u015f . Sonu\u00e7 olarak sorunlu kredi de yok denecek kadar az. Ancak, bankalar\u0131n toplad\u0131klar\u0131 mevduatlar\u0131 hangi oranda kredi olarak da\u011f\u0131tt\u0131\u011f\u0131n\u0131 g\u00f6steren Kredi \/ Mevduat\u00a0 rasyosunu inceledi\u011fimizde, tehlikeli bir y\u00fckseli\u015f oldu\u011fu g\u00f6r\u00fclmekte. 2010 y\u0131l\u0131\u00a0 Mart ay\u0131nda, % 82 seviyesinde olan, Kredi \/ Mevduat oran\u0131, 2011 y\u0131l\u0131 Mart sonu itibari ile, % 93&#8217;e y\u00fckselmi\u015f durumda.\u00a0 \u00d6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131na bakacak olursak, ortalama\u00a0 % 17 olan oran, Avrupa bankalar\u0131n\u0131n \u00e7ok \u00fczerinde seyrediyor. Ancak, Merkez Bankas\u0131n\u0131n, son aylarda t\u00fcketici kredilerini ve cari a\u00e7\u0131\u011f\u0131\u00a0 frenlemek ad\u0131na alm\u0131\u015f oldu\u011fu \u00f6nlemler sonucu y\u00fckseltti\u011fi Munzam kar\u015f\u0131l\u0131klar, bankalar\u0131n \u00f6z kaynak karl\u0131l\u0131\u011f\u0131n\u0131; 2010 y\u0131l\u0131\u00a0 Mart ay\u0131nda % 22 seviyesinden % 17\u2019lere geriletmi\u015f.<\/p>\n<p>Merkez Bankas\u0131n\u0131n alm\u0131\u015f oldu\u011fu ekonomik tedbirler,\u00a0 \u00f6zellikle mevduat faizleri \u00fczerinde\u00a0 maliyetleri y\u00fckseltti\u011finden dolay\u0131, bankalar\u0131n k\u00e2rl\u0131l\u0131\u011f\u0131 h\u0131zla azalmaya devam ediyor. \u00d6n\u00fcm\u00fczde ki aylarda ise, T\u00fcrk bankalar\u0131n\u0131n, Merkez Bankas\u0131&#8217;n\u0131n ald\u0131\u011f\u0131 \u00f6nlemlere uymak i\u00e7in,\u00a0 kredi portf\u00f6ylerini k\u00fc\u00e7\u00fcltmeleri ka\u00e7\u0131n\u0131lmaz g\u00f6z\u00fck\u00fcyor.<\/p>\n<p>Ge\u00e7en hafta a\u00e7\u0131klanan, Mart ay\u0131na ait,\u00a0\u00a0 2011 y\u0131l\u0131,\u00a0 sanayi \u00fcretim endeksi, ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re % 10,4 art\u0131\u015f g\u00f6stermesine ra\u011fmen, art\u0131\u015f h\u0131z\u0131n\u0131n yava\u015flamaya ba\u015flamas\u0131 ve bu yava\u015flaman\u0131n, gelecek aylarda da\u00a0 devam etmesi, \u00f6zel sekt\u00f6r yat\u0131r\u0131m planlar\u0131n\u0131 derinden etkileyebilir. Cari a\u00e7\u0131\u011f\u0131n ve t\u00fcketici kredilerinin y\u00fckselmesini \u00f6nlemek ad\u0131na,\u00a0 Merkez Bankas\u0131n\u0131n, alm\u0131\u015f oldu\u011fu tedbir paketlerinin olumlu etkisi, \u00f6n\u00fcm\u00fczde ki aylarda, makro ekonomik verilerde g\u00f6r\u00fclmesine ra\u011fmen, kredi maliyetlerinde ki art\u0131\u015f ve daralma nedeni ile, bankac\u0131l\u0131k sekt\u00f6r karlar\u0131n\u0131n gelecek aylarda \u00e7ok fazla y\u00fckselmeyece\u011fini, hatta azalabilece\u011fini ise unutmamak gerek.<\/p>\n<p><strong>Dr. \u0130smet DEM\u0130RKOL<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hafta i\u00e7inde, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, 2011 y\u0131l\u0131\u00a0 1.\u00e7eyrek bankac\u0131l\u0131k raporunu yay\u0131mland\u0131. Sonu\u00e7lar ilk bak\u0131\u015fta, Avrupa Bankac\u0131l\u0131k sistemi kriterlerine g\u00f6re olumlu geli\u015fme g\u00f6stermesine ra\u011fmen,&hellip;<\/p>\n","protected":false},"author":7,"featured_media":934,"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-206","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\/206","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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=206"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/206\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/934"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}