{"id":12857,"date":"2009-08-05T16:36:37","date_gmt":"2009-08-05T13:36:37","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=12857"},"modified":"2009-08-05T16:36:37","modified_gmt":"2009-08-05T13:36:37","slug":"bankalarin-kari-yuzde-32-6-artti","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=12857","title":{"rendered":"Bankalar\u0131n kar\u0131 y\u00fczde 32.6 artt\u0131"},"content":{"rendered":"

\"\"<\/a><\/p>\n

T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc ilk 6 ayl\u0131k karnesiyle global arenadaki rakiplerini k\u0131skand\u0131racak. D\u00fcnya devleri bu s\u00fcreci en az zararla atlaman\u0131n hesaplar\u0131n\u0131 yaparken T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc ilk yar\u0131da kar\u0131n\u0131 y\u00fczde 32.6 art\u0131rarak 11 milyar liraya ta\u015f\u0131d\u0131.<\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan haz\u0131rlanan “T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Genel G\u00f6r\u00fcn\u00fcm\u00fc \u00c7al\u0131\u015fmas\u0131” yay\u0131mland\u0131.<\/p>\n

\u00c7al\u0131\u015fmaya g\u00f6re, s\u00f6z konusu art\u0131\u015fta, net faiz gelirleri ile sermaye piyasas\u0131 i\u015flem karlar\u0131ndaki art\u0131\u015f\u0131n yan\u0131 s\u0131ra kambiyo kar\u0131ndaki art\u0131\u015f etkili oldu.<\/p>\n

Di\u011fer taraftan, takipteki alacaklar \u00f6zel provizyonundaki y\u00fcksek art\u0131\u015f kar art\u0131\u015f\u0131n\u0131 s\u0131n\u0131rlayan \u00f6nemli bir etken olarak ortaya \u00e7\u0131kt\u0131. <\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn temel g\u00f6stergeleri incelendi\u011finde, k\u00fcresel krizin T\u00fcrkiye’ye yans\u0131malar\u0131 \u00e7er\u00e7evesinde takibe d\u00f6n\u00fc\u015f\u00fcm oranlar\u0131nda yukar\u0131 y\u00f6nl\u00fc bir e\u011filim g\u00f6zlenmekle birlikte, sekt\u00f6r\u00fcn Haziran 2009 itibar\u0131yla sermaye yeterlili\u011fi, aktif kalitesi, karl\u0131l\u0131k ve fonlama yap\u0131s\u0131 itibar\u0131yla g\u00fc\u00e7l\u00fc konumunu muhafaza etti\u011fi de\u011ferlendirildi.<\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 2002 y\u0131l\u0131ndan itibaren art\u0131\u015f g\u00f6steren personel say\u0131s\u0131, 2008 y\u0131l\u0131n\u0131n ilk 3 \u00e7eyre\u011finde de art\u0131\u015f trendini s\u00fcrd\u00fcrd\u00fc, k\u00fcresel krizin etkisini g\u00f6sterdi\u011fi 2008 Eyl\u00fcl ay\u0131nda art\u0131\u015f ivmesi yava\u015flayarak, 2008 Kas\u0131m ay\u0131ndan itibaren personel say\u0131s\u0131nda kademeli bir gerileme ba\u015flad\u0131.<\/p>\n

En fazla personel azal\u0131\u015flar\u0131 2009 Mart (397) ve Nisan aylar\u0131nda (784) ger\u00e7ekle\u015fti. 2009 May\u0131s ay\u0131ndan itibaren personel say\u0131s\u0131 tekrar artmaya ba\u015flad\u0131. May\u0131sta 39 ki\u015fi, haziran ay\u0131nda bin 93 ki\u015fi net personel art\u0131\u015f\u0131 g\u00f6zlendi ve haziran sonu itibar\u0131yla personel say\u0131s\u0131 182 bin 468 d\u00fczeyinde ger\u00e7ekle\u015fti.<\/p>\n

2008 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda 9 bin 415 adet artan personel say\u0131s\u0131, 2009 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda 197 ki\u015fi azald\u0131. Di\u011fer yandan 2008 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda 600 adet artan \u015fube say\u0131s\u0131 ise 2009 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda 70 adet y\u00fckseldi.<\/p>\n

Aktif toplam <\/strong><\/em><\/p>\n

Haziran 2009 itibar\u0131yla sekt\u00f6r\u00fcn aktif toplam\u0131 y\u0131l sonuna g\u00f6re y\u00fczde 4,9 artarak 768,2 milyar liraya y\u00fckseldi. Sekt\u00f6r aktiflerinin Gayri Safi Yurti\u00e7i Has\u0131la’ya (GSY\u0130H) oran\u0131 2008 y\u0131l sonunda y\u00fczde 77,1 d\u00fczeyindeyken, 2009 Haziran ay\u0131nda y\u00fczde 81,3 d\u00fczeyine y\u00fckseldi.<\/p>\n

2009 Haziran itibar\u0131yla sekt\u00f6r\u00fcn toplam kredileri 368,2 milyar lira oldu. T\u00fcrk paras\u0131 cinsi kredilerde Eyl\u00fcl 2008’den itibaren ba\u015flayan azalma, Mart 2009’dan itibaren s\u0131n\u0131rl\u0131 bir art\u0131\u015fa d\u00f6nerken yine Eyl\u00fcl 2008’den itibaren azalma trendinde olan yabanc\u0131 para kredilerde ise dolar baz\u0131nda may\u0131s ve haziran aylar\u0131nda bir miktar art\u0131\u015f g\u00f6zlendi.<\/p>\n

Haziran ay\u0131, Eyl\u00fcl 2008’den itibaren en y\u00fcksek kredi art\u0131\u015f\u0131n\u0131n ger\u00e7ekle\u015fti\u011fi ay oldu.<\/p>\n

Bireysel kredilerde 5 milyar liral\u0131k art\u0131\u015f<\/em><\/strong><\/p>\n

2008 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finden itibaren iki \u00e7eyrek boyunca azalan bireysel krediler, Mart 2009’da ger\u00e7ekle\u015ftirilen vergisel te\u015fviklerin etkisiyle son \u00fc\u00e7 ayda yakla\u015f\u0131k 5 milyar lira art\u0131\u015f g\u00f6sterdi. KOB\u0130 kredilerinde ise azalma e\u011filimi devam etti.<\/p>\n

Kredi portf\u00f6y\u00fcn\u00fcn y\u00fczde 26,9’u yabanc\u0131 para cinsinden kredilerden olu\u015ftu. Toplam 64,8 milyar dolarl\u0131k yabanc\u0131 para kredilerin y\u00fczde 64,5’ini (41,8 milyar dolar) 33,5 milyar dolarl\u0131k k\u0131sm\u0131 off-shore \u015fubelerden olmak \u00fczere, bankalar\u0131n yurtd\u0131\u015f\u0131 \u015fubelerinden kulland\u0131r\u0131lan krediler olu\u015fturdu.<\/p>\n

Yurtd\u0131\u015f\u0131 \u015fubelerden kulland\u0131r\u0131lan krediler Aral\u0131k 2008 d\u00f6nemine g\u00f6re y\u00fczde 7,1 oran\u0131nda (3,2 milyar dolar) azald\u0131. Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn d\u00f6vize endeksli kredileri Haziran 2009 itibar\u0131yla 23 milyar lira (15,1 milyar dolar) olup, toplam krediler i\u00e7indeki pay\u0131 y\u00fczde 6,3 oldu.<\/p>\n

Haziran 2009 itibar\u0131yla d\u00f6vize endeksli kredilerin y\u00fczde 35,6’s\u0131 \u00f6zel bankalar, y\u00fczde 27,4’\u00fc yabanc\u0131 bankalar, y\u00fczde 26,9’u kat\u0131l\u0131m bankalar\u0131, y\u00fczde 9,4’\u00fc kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 ve y\u00fczde 0,7’si kamu bankalar\u0131 gruplar\u0131n\u0131n portf\u00f6y\u00fcnde yer ald\u0131.<\/p>\n

Yine bu d\u00f6nemde d\u00f6vize endeksli kredilerin y\u00fczde 16,9’unu (3,9 milyar lira) d\u00f6vize endeksli bireysel krediler te\u015fkil etti. Kredilerin aktif i\u00e7erisindeki pay\u0131 y\u0131l sonuna k\u0131yasla bir miktar azalmakla birlikte hazirandan itibar\u0131yla krediler, y\u00fczde 47,9 aktif pay\u0131 ile bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn bir numaral\u0131 plasman kalemi olmaya devam etti.<\/p>\n

Takipteki alacaklar tutar\u0131 18,8 milyar lira<\/em><\/strong><\/p>\n

Takipteki alacaklar ise haziran sonu itibar\u0131yla 18 milyar 781 milyon lira tutar\u0131nda. Takipteki alacaklar 2008 son \u00e7eyrekte y\u00fczde 20,8, 2009 ilk \u00e7eyrekte y\u00fczde 22 artarken 2009’un ikinci \u00e7eyre\u011finde y\u00fczde 9,5 oran\u0131nda y\u00fckseldi. \u00d6zellikle 2009 May\u0131s ve Haziran aylar\u0131nda takipteki alacaklardaki art\u0131\u015f h\u0131z\u0131 yava\u015flad\u0131.<\/p>\n

Aral\u0131k 2008’de y\u00fczde 3,7 olan kredilerin takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131, Haziran 2009’da y\u00fczde 4,9’a y\u00fckseldi. En y\u00fcksek takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 y\u00fczde 6,6 ile KOB\u0130 kredilerinde olup, KOB\u0130 kredileri ayn\u0131 zamanda Eyl\u00fcl 2008’den Haziran 2009’a kadar olan d\u00f6nemde takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131nda en y\u00fcksek art\u0131\u015f\u0131n ger\u00e7ekle\u015fti\u011fi kredi t\u00fcr\u00fc oldu.<\/p>\n

Haziran 2009 itibar\u0131yla kredilerin takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 yabanc\u0131 bankalar grubunda y\u00fczde 6,3, kat\u0131l\u0131m bankalar\u0131 grubunda y\u00fczde 5,7, \u00f6zel bankalar grubunda y\u00fczde 4,7, kamu bankalar\u0131 grubunda y\u00fczde 4,3 ve kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 grubunda ise y\u00fczde 1,9 d\u00fczeyinde ger\u00e7ekle\u015fti.<\/p>\n

24 Temmuz 2009 tarihi itibar\u0131yla sekt\u00f6r\u00fcn kredi kart\u0131 alacaklar\u0131n\u0131n takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 y\u00fczde 9,7, t\u00fcketici kredilerinin takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 y\u00fczde 3,6, toplam bireysel kredilerin takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 ise y\u00fczde 5,5 olarak ger\u00e7ekle\u015fti ve art\u0131\u015f e\u011filimi devam etti.<\/p>\n

Konut kredilerinin takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131 Aral\u0131k 2008 itibar\u0131yla y\u00fczde 1,3’ten 24 Temmuz 2009 itibar\u0131yla y\u00fczde 1,9’a y\u00fckseldi. Sekt\u00f6r\u00fcn takipte izlenen kredilere kar\u015f\u0131l\u0131k ay\u0131rma oran\u0131, Haziran 2009 itibar\u0131yla y\u00fczde 79,7 gibi olduk\u00e7a y\u00fcksek bir seviyede oldu.<\/p>\n

Menkul k\u0131ymetler portf\u00f6y\u00fc<\/em><\/strong><\/p>\n

Menkul de\u011ferler portf\u00f6y\u00fc 2009 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fc aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki art\u0131\u015f\u0131n olduk\u00e7a \u00fczerinde y\u00fczde 14,3 oran\u0131nda b\u00fcy\u00fcyerek Haziran 2009’da 221,8 milyar liraya seviyesine y\u00fckseldi.<\/p>\n

Haziran 2009 itibar\u0131yla 467 milyar 613 milyon TL bakiye arz eden mevduat sekt\u00f6r\u00fcn en \u00f6nemli fon kayna\u011f\u0131 konumunda. 2008 y\u0131l\u0131n\u0131n ilk alt\u0131 ay\u0131nda sekt\u00f6r\u00fcn mevduat\u0131 39,2 milyar lira (y\u00fczde 11) artarken, 2009 y\u0131l\u0131n\u0131n ilk alt\u0131 ay\u0131ndaki art\u0131\u015f (parite etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f) 11,8 milyar lira (y\u00fczde 2,6) ile s\u0131n\u0131rl\u0131 kald\u0131.<\/p>\n

Eyl\u00fcl 2008’de 26,3 milyar dolar olan sendikasyon ve sek\u00fcritizasyon kredilerinin toplam tutar\u0131 4,5 milyar dolar azalarak Haziran 2009’da 21,8 milyar dolara geriledi. Haziran 2009 itibar\u0131yla sendikasyon ve sek\u00fcritizasyon kredilerinde yenileme oran\u0131 y\u00fczde 50,4 oldu. 2008 y\u0131l sonunda 86,4 milyar lira olan bankac\u0131l\u0131k sekt\u00f6r\u00fc \u00f6zkaynaklar\u0131 y\u0131l\u0131n ilk alt\u0131 ay\u0131nda y\u00fczde 13,1 oran\u0131nda artarak Haziran 2009’da 97,8 milyar lira seviyesine y\u00fckseldi.<\/p>\n

CNN T\u00dcRK<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\n

T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc ilk 6 ayl\u0131k karnesiyle global arenadaki rakiplerini k\u0131skand\u0131racak. D\u00fcnya devleri bu s\u00fcreci en az zararla atlaman\u0131n hesaplar\u0131n\u0131 yaparken T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc ilk yar\u0131da kar\u0131n\u0131 y\u00fczde 32.6 art\u0131rarak 11 milyar liraya ta\u015f\u0131d\u0131.<\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan haz\u0131rlanan “T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Genel G\u00f6r\u00fcn\u00fcm\u00fc \u00c7al\u0131\u015fmas\u0131” <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-12857","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/12857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12857"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/12857\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12857"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}