{"id":70086,"date":"2021-03-25T13:49:36","date_gmt":"2021-03-25T10:49:36","guid":{"rendered":"https:\/\/www.haberegider.com\/blog\/?p=70086"},"modified":"2021-03-25T13:49:36","modified_gmt":"2021-03-25T10:49:36","slug":"turk-bankacilik-sisteminin-aktif-buyuklugu-milli-gelirin-yuzde-121ine-ulasti","status":"publish","type":"post","link":"https:\/\/www.haberegider.com\/blog\/turk-bankacilik-sisteminin-aktif-buyuklugu-milli-gelirin-yuzde-121ine-ulasti\/","title":{"rendered":"T\u00fcrk bankac\u0131l\u0131k sisteminin aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc milli gelirin y\u00fczde 121’ine ula\u015ft\u0131"},"content":{"rendered":"

T\u00fcrkiye Bankalar Birli\u011fi Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc H\u00fcseyin Ayd\u0131n, T\u00fcrk bankac\u0131l\u0131k sisteminin bilan\u00e7o b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 6 trilyon liray\u0131 ge\u00e7ti\u011fini belirterek “Toplam aktiflerin milli gelire oran\u0131 y\u00fczde 121’e ula\u015ft\u0131.” dedi.<\/h4>\n

Capital, Ekonomist ve StartUp dergileri taraf\u0131ndan Vodafone Business ana sponsorlu\u011funda “Yeni D\u00fcnyaya Haz\u0131r M\u0131y\u0131z?” ana temas\u0131yla hibrit olarak d\u00fczenlenen\u00a0Uluda\u011f Ekonomi Zirvesi\u00a0<\/strong>ikinci g\u00fcn\u00fcnde devam ediyor.<\/p>\n

Zirve kapsam\u0131nda d\u00fczenlenen “Bankac\u0131l\u0131k: Gelecek Nas\u0131l Olmal\u0131” ba\u015fl\u0131kl\u0131 oturumda konu\u015fan Ayd\u0131n, dijital altyap\u0131 imkanlar\u0131 sayesinde salg\u0131n d\u00f6nemini m\u00fc\u015fteri ve banka ad\u0131na iyi y\u00f6nettiklerini, bu sayede salg\u0131n\u0131n etkisinin s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

Art\u0131k evinden, bulundu\u011fu yerden kendi bankac\u0131l\u0131k i\u015flemlerini yapabilen bir m\u00fc\u015fteri kitlesinin olu\u015ftu\u011funu dile getiren Ayd\u0131n, banka \u00e7al\u0131\u015fanlar\u0131n da bu s\u00fcre\u00e7te \u00f6nemli deneyimler kazand\u0131\u011f\u0131n\u0131 bildirdi.<\/p>\n

Ayd\u0131n, salg\u0131n s\u00fcrecinde ekonominin s\u00fcrd\u00fcr\u00fclebilir olmas\u0131 gerekti\u011fini kaydederek, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n

“Salg\u0131n d\u00f6neminde kredi kanallar\u0131n\u0131 a\u00e7\u0131k tuttuk. \u00d6deme sisteminin sa\u011fl\u0131kl\u0131 olarak \u00e7al\u0131\u015fmas\u0131 laz\u0131md\u0131. Onu da temin ettik. \u00d6zel veya kamu bankalar\u0131 ayr\u0131m\u0131 yapmay\u0131z ancak salg\u0131n s\u00fcrecinde kamu bankalar\u0131 \u00f6zellerin bir ad\u0131m \u00f6n\u00fcne ge\u00e7ti. Asl\u0131nda kamusal sermayenin de bunda bir motivasyonu oldu. Sekt\u00f6r\u00fcn b\u00fct\u00fcn bankalar\u0131 da \u00fczerine d\u00fc\u015feni yapmaya \u00e7al\u0131\u015ft\u0131. Hem firmalar\u0131n likidite ve kaynak imkanlar\u0131n\u0131 uygun imkanlarla kar\u015f\u0131lad\u0131k. Hem fiyatlama hem de vadelendirme uygundu. \u00d6demesiz d\u00f6nemleri i\u00e7eriyordu. Hem fiyatland\u0131rma hem vadede hem de teminatta esneklik sa\u011flayabildik.”<\/p>\n

\"\"<\/p>\n

“Bankac\u0131l\u0131k sisteminin kredi vermedi\u011fi do\u011fru de\u011fil”<\/h3>\n

H\u00fcseyin Ayd\u0131n, T\u00fcrk bankac\u0131l\u0131k sisteminin bilan\u00e7o b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 6 trilyon liray\u0131 ge\u00e7ti\u011fini belirterek, “Toplam aktiflerin milli gelire oran\u0131 y\u00fczde 121’e ula\u015ft\u0131. 10-15 y\u0131l geriye gitti\u011fimizde toplam aktifler milli gelirin \u00e7ok alt\u0131ndayd\u0131. Bug\u00fcn milli gelirin y\u00fczde 120’lerine ula\u015fm\u0131\u015f\u0131z. Bu s\u00fcre\u00e7te sekt\u00f6r \u00fclke b\u00fcy\u00fcmesinden daha h\u0131zl\u0131 b\u00fcy\u00fcm\u00fc\u015f.” diye konu\u015ftu.<\/p>\n

Bu s\u00fcre\u00e7te en h\u0131zl\u0131 b\u00fcy\u00fcmelerden birisinin kredilerde ya\u015fand\u0131\u011f\u0131na dikkati \u00e7eken Ayd\u0131n, \u015fu bilgileri verdi:<\/p>\n

“Kredilerin de milli gelir i\u00e7erisindeki pay\u0131 ciddi rakamlara geldi. Geli\u015fmekte olan \u00fclkeler ortalamas\u0131n\u0131n \u00fczerine \u00e7\u0131kt\u0131k. Sekt\u00f6r\u00fcn kredi vermeme gibi bir durumu yok. Tam tersine sekt\u00f6r kredi verme konusundaki yetkinli\u011fini art\u0131rd\u0131. Sadece \u015firketlere ve bireylere de\u011fil devlete de kredi verdik. Dolay\u0131s\u0131yla bilan\u00e7oda da menkul k\u0131ymetlerin ciddi pay\u0131 olu\u015ftu. Bu pay da y\u00fczde 17’ler civar\u0131nda. Kredilerin pay\u0131 y\u00fczde 60, menkul k\u0131ymetlerin pay\u0131 y\u00fczde 17. B\u00f6yle bakt\u0131\u011f\u0131n\u0131zda aktifin y\u00fczde 77’sini getirili aktiflerden olu\u015fturuyoruz ve ekonominin \u00e7al\u0131\u015fmas\u0131 i\u00e7in tahsis etmi\u015f bulunuyoruz.”<\/p>\n

“Yurt d\u0131\u015f\u0131ndan kaynak sa\u011flama yetkinli\u011fimiz devam ediyor”<\/h3>\n

TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Ayd\u0131n, aktif-pasif para cinsi bak\u0131m\u0131ndan uyumsuzluklar\u0131n\u0131n bulundu\u011funu belirterek, \u015fu a\u00e7\u0131klamalarda bulundu:<\/p>\n

“O y\u00fczde TL cinsinden tasarrufa ihtiyac\u0131m\u0131z var. Yabanc\u0131 paray\u0131 al\u0131yoruz, de\u011fi\u015ftirip aktifte TL olarak kulland\u0131rmak zorunda kal\u0131yoruz. Repo ve SWAP yoluyla hem de TCMB’den sa\u011flad\u0131\u011f\u0131m\u0131z kaynakla aktifleri y\u00f6netiyoruz. Gecelik bankac\u0131l\u0131k sistemi 600 milyar lira. Toplam bilan\u00e7onun y\u00fczde 10’unu gecelik bor\u00e7lan\u0131p 1, 2, 3 veya 4 y\u0131ll\u0131k krediler veriyoruz. Bu da \u00fclkeye olan g\u00fcvenimizi g\u00f6steriyor.”<\/p>\n

\"\"<\/p>\n

Ayd\u0131n, salg\u0131n s\u00fcrecinde yurt d\u0131\u015f\u0131ndan bor\u00e7lanabildiklerini kaydederek, “\u00c7\u00fcnk\u00fc yabanc\u0131 kaynak ihtiyac\u0131m\u0131z biraz daha azd\u0131. Net bor\u00e7 \u00f6demesi yapt\u0131k. Bankalar\u0131m\u0131z\u0131n yurt d\u0131\u015f\u0131ndan kaynak sa\u011flama konusundaki yetkinli\u011fi devam ediyor. Her zaman bunu y\u00f6nettik, bundan sonra da kaynak temini hususunu iyi y\u00f6netece\u011fiz.” diye konu\u015ftu.<\/p>\n

G\u00f6rd\u00fcklerini ve ya\u015fad\u0131klar\u0131n\u0131 iyi tahlil ettiklerini vurgulayan Ayd\u0131n, benzer s\u0131k\u0131nt\u0131lar\u0131 gelecekte ya\u015famamak i\u00e7in t\u00fcm tedbirleri ald\u0131klar\u0131n\u0131 s\u00f6yledi.<\/p>\n

“Bankac\u0131l\u0131k sistemi sorunlu krediler i\u00e7in \u00e7ok ciddi kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015f durumda”<\/h3>\n

H\u00fcseyin Ayd\u0131n, bankac\u0131l\u0131k sekt\u00f6r\u00fcn \u00fczerine d\u00fc\u015feni yapt\u0131\u011f\u0131n\u0131 belirterek, insan kayna\u011f\u0131 ve teknolojide \u00e7ok iyi olduklar\u0131n\u0131, bu iki unsurun sermaye ile desteklenmesi gerekti\u011fini s\u00f6yledi.<\/p>\n

“Ekonomi b\u00fcy\u00fcmeli, para kazanmal\u0131, b\u00f6ylece bankalar da para kazanmal\u0131.” diyen Ayd\u0131n, bu sayede bankalar\u0131n kazand\u0131klar\u0131 paray\u0131 \u00f6z kaynaklar\u0131n alt\u0131ndan muhasebele\u015ftireceklerini ve sermayelerinin g\u00fc\u00e7lenece\u011fini, b\u00f6ylece kredi verme, \u015foklar\u0131 ve krizleri y\u00f6netme noktas\u0131nda daha g\u00fc\u00e7l\u00fc hale gelece\u011fini anlatt\u0131.<\/p>\n

Ayd\u0131n, “2010-2011’li y\u0131llarda T\u00fcrk bankac\u0131l\u0131k sisteminin \u00f6z kaynaklar\u0131n\u0131n dolar cinsinden kar\u015f\u0131l\u0131\u011f\u0131 100 milyar dolard\u0131. Bug\u00fcn 80 milyar dolard\u0131r. Daha fazla yorum yapmayaca\u011f\u0131m, bunlar\u0131 b\u00fcy\u00fctmemiz gerekiyor.” ifadelerini kulland\u0131.<\/p>\n

Sorunlu kredilerin y\u00fczde 4 civar\u0131nda oldu\u011funu kaydeden Ayd\u0131n, \u015fu a\u00e7\u0131klamalarda bulundu:<\/p>\n

“Diyelim ki salg\u0131n\u0131n etkisiyle bu y\u00fczde 5 oldu. T\u00fcrkiye’de sorunlu kredilerin y\u00fczde 72-75’ine sekt\u00f6r kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015f durumda. Bu \u00e7ok \u00f6nemli bir kar\u015f\u0131l\u0131k rakam\u0131. Ayr\u0131ca ikinci grup diye adland\u0131rd\u0131\u011f\u0131m\u0131z yak\u0131n izlemedeki kredilere de \u00e7ok ciddi bi\u00e7imde kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015f durumday\u0131z. Bu bizim krizi y\u00f6netme konusundaki yetkinli\u011fimizi art\u0131yor. Bir de bunlar\u0131n her birinin ayr\u0131ca da bize teminatlar\u0131 var. Maddi teminatlar\u0131, rehinler var. T\u00fcrk bankac\u0131l\u0131k sisteminin o y\u00f6n\u00fcyle riskleri y\u00f6netme ve yava\u015flayan \u00f6z kayna\u011f\u0131 destekleme konusunda birtak\u0131m gizli rezervlerini ifade ettim.”<\/p>\n

Ayd\u0131n, herkesin g\u00fcc\u00fc oran\u0131nda katk\u0131da bulunaca\u011f\u0131n\u0131, g\u00fcc\u00fcn\u00fcn \u00fczerinde bir \u015fey yapmamas\u0131 gerekti\u011fini kaydederek, “Sermaye anlam\u0131nda T\u00fcrkiye’nin en b\u00fcy\u00fck sermayesine sahibiz. Dolay\u0131s\u0131yla reel sekt\u00f6re, bireylere ve kamuya en \u00e7ok deste\u011fi de bizim vermemiz gerekiyor. Bu e\u015fyan\u0131n tabiat\u0131na uygun bir durumdu. Hepimiz ayn\u0131 hedef i\u00e7in gayret g\u00f6steriyoruz.” dedi.<\/p>\n

“\u00d6z kaynakla i\u015f yap\u0131lmas\u0131 te\u015fvik edilmeli”<\/h3>\n

TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Ayd\u0131n, T\u00fcrkiye’de firmalar\u0131 fakir, ki\u015fileri zengin yapan yap\u0131dan yava\u015f yava\u015f s\u0131yr\u0131lmas\u0131, i\u015f adamlar\u0131n\u0131n kendi yapt\u0131klar\u0131 i\u015fte kalmas\u0131n\u0131n ve \u00f6z kaynakla i\u015f yap\u0131lmas\u0131n\u0131n te\u015fvik edilmesi gerekti\u011fini anlatt\u0131.<\/p>\n

Her \u015feyin bankac\u0131l\u0131k sisteminden beklenmemesi gerekti\u011fini vurgulayan Ayd\u0131n, \u015fu ifadeleri kulland\u0131:<\/p>\n

“Sermaye piyasalar\u0131n\u0131n pay\u0131 ne \u00fclkede? Ne yapm\u0131\u015f? Her \u015fey bizim \u00fczerimizde. ‘Az verdin \u00e7ok verdin, \u00fccret, komisyon ald\u0131n’… 10 y\u0131ld\u0131r, ‘sermeye piyasalar\u0131n\u0131 geli\u015ftirmeliyiz’ diyoruz. Mutlaka geli\u015ftirilmeli. Ama bak\u0131n\u0131z biz milli gelire g\u00f6re daha h\u0131zl\u0131 b\u00fcy\u00fcd\u00fck. O zaman sermaye piyasalar\u0131n\u0131n da \u00fclke b\u00fcy\u00fcmesine yak\u0131n bir b\u00fcy\u00fcme sa\u011flamas\u0131 gerekiyor. Benim bildi\u011fim bir alan de\u011fil, oradaki arkada\u015flar mutlaka gayret g\u00f6steriyorlard\u0131r, ellerine sa\u011fl\u0131k. Katk\u0131 verenlere m\u00fcte\u015fekkiriz. Ancak sermaye piyasalar\u0131 konusunda daha \u00e7ok gayret g\u00f6stermemiz gerekiyor.”<\/p>\n

Ayd\u0131n, halihaz\u0131rda 12-13 milyon mobil m\u00fc\u015fterilerinin bulundu\u011funu kaydederek, b\u00fcy\u00fck \u015fubelerden daha butik \u015fubelere ge\u00e7meye ba\u015flad\u0131klar\u0131n\u0131 bildirdi.<\/p>\n

H\u00fcseyin Ayd\u0131n, “2021’de b\u00fcy\u00fcme konusunda \u00fclkenin herhangi bir sorun olmayacakt\u0131r. Reel sekt\u00f6r\u00fcm\u00fcz\u00fcn daha \u00e7ok d\u0131\u015fa sat\u0131m konusunu destekliyor olaca\u011f\u0131z.” diyerek s\u00f6zlerini sonland\u0131rd\u0131.<\/p>\n

Kaynak: AA<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Bankalar Birli\u011fi Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve Ziraat Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc H\u00fcseyin Ayd\u0131n, T\u00fcrk bankac\u0131l\u0131k…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14072],"tags":[],"class_list":["post-70086","post","type-post","status-publish","format-standard","hentry","category-ekonomi"],"views":224,"_links":{"self":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70086","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/comments?post=70086"}],"version-history":[{"count":1,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70086\/revisions"}],"predecessor-version":[{"id":70088,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70086\/revisions\/70088"}],"wp:attachment":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/media?parent=70086"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/categories?post=70086"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/tags?post=70086"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}