Hakan Ate\u015f, “Bankac\u0131l\u0131k S\u00f6yle\u015fileri” kapsam\u0131nda AA muhabirine T\u00fcrkiye ekonomisi, bankac\u0131l\u0131k sekt\u00f6r\u00fc ve DenizBank’\u0131n 2021 y\u0131l\u0131 de\u011ferlendirmesini ve 2022 y\u0131l\u0131na ili\u015fkin \u00f6ng\u00f6r\u00fclerini payla\u015ft\u0131.<\/p>\n
T\u00fcrkiye ekonomisinin temellerini olu\u015fturan en \u00f6nemli yap\u0131 ta\u015flar\u0131ndan birinin g\u00fc\u00e7l\u00fc sermaye ve sa\u011flam likidite yap\u0131s\u0131yla bankac\u0131l\u0131k sekt\u00f6r\u00fc oldu\u011funu s\u00f6yleyen Ate\u015f, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn ya\u015fanan t\u00fcm olumsuzluklara kar\u015f\u0131n g\u00fc\u00e7l\u00fc kalmaya devam etti\u011fini belirtti.<\/p>\n
Ate\u015f, sekt\u00f6r\u00fcn sermaye yeterlilik rasyosunun ekim itibar\u0131yla solo bazda y\u00fczde 17,3 seviyesinde bulundu\u011funu ifade etti. Bu oran\u0131n Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (BDDK) tan\u0131d\u0131\u011f\u0131 esneklikler \u00e7\u0131kar\u0131ld\u0131\u011f\u0131nda dahi uluslararas\u0131 standartlar\u0131n \u00fczerinde oldu\u011funa i\u015faret eden Ate\u015f, di\u011fer yandan bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sorunlu kredi oran\u0131n\u0131n 2021 y\u0131l\u0131 ba\u015f\u0131ndaki y\u00fczde 4’e k\u0131yasla aral\u0131k itibar\u0131yla bulundu\u011fu y\u00fczde 3,2 ile daha a\u015fa\u011f\u0131da oldu\u011funu dile getirdi.<\/p>\n
Salg\u0131n d\u00f6neminde ihtiyatl\u0131 olmak ad\u0131na bankalar\u0131n sorunlu kredilerde ya\u015fanabilecek olas\u0131 art\u0131\u015flara kar\u015f\u0131 provizyon miktar\u0131n\u0131 y\u00fckseltti\u011fini hat\u0131rlatan Ate\u015f, “Bankalar\u0131n salg\u0131n d\u00f6neminde ve sonras\u0131nda yeniden yap\u0131land\u0131rmalarla m\u00fc\u015fterilerine yard\u0131mc\u0131 olmas\u0131 aktif kalitesinin korunmas\u0131nda \u00f6nemli bir etken. Bankalar ekonomide katma de\u011fer yaratan t\u00fcm m\u00fc\u015fterilerinin \u00f6deme kabiliyetlerini iyile\u015ftirebilmek i\u00e7in kar\u015f\u0131l\u0131kl\u0131 iyi niyetle kredi kanallar\u0131n\u0131 a\u00e7\u0131k tutmak, vade, \u00f6deme ve teminat ko\u015fullar\u0131nda esneklik sa\u011flamak i\u00e7in azami \u00e7aba g\u00f6steriyor.” de\u011ferlendirmesinde bulundu.<\/p>\n
Hakan Ate\u015f, dijital teknolojilerin art\u0131k bankac\u0131l\u0131\u011f\u0131n vazge\u00e7ilmezi oldu\u011funu belirtti. \u00c7ok yak\u0131n bir gelecekte bankac\u0131l\u0131k denildi\u011finde art\u0131k dijital teknolojilerden ba\u011f\u0131ms\u0131z bir hizmetin d\u00fc\u015f\u00fcn\u00fclemeyece\u011fini ifade eden Ate\u015f, bu de\u011fi\u015fim furyas\u0131n\u0131n finansal hizmetleri m\u00fc\u015fteriler i\u00e7in daha eri\u015filebilir hale getirdi\u011fini s\u00f6yledi.<\/p>\n
Bankalar olarak teknolojinin yo\u011fun oldu\u011fu bir d\u00fcnyaya do\u011fru giderken finans teknolojileri alan\u0131nda faaliyet g\u00f6steren yenilik\u00e7i teknolojik giri\u015fimlerle ili\u015fkiler kurulmas\u0131 ve y\u00fcr\u00fct\u00fclmesinin de g\u00fcncel kalmak ve yeni i\u015f modellerini erkenden kavramak a\u00e7\u0131s\u0131ndan \u00f6nemli olaca\u011f\u0131n\u0131 vurgulayan Ate\u015f, \u015funlar\u0131 kaydetti:<\/p>\n
“Bunlar\u0131n yan\u0131nda yeni teknolojiler de yava\u015f yava\u015f geliyor ve gelmeye ba\u015flad\u0131. Biliyorsunuz ki yapay zek\u00e2, veri bilimi ve blockchain gibi teknolojiler art\u0131k bankalar ve hatta t\u00fcm end\u00fcstriler taraf\u0131ndan kullan\u0131l\u0131yor. Hem BDDK\u2019n\u0131n hem de TCMB\u2019nin finansal teknolojiler taraf\u0131nda att\u0131\u011f\u0131 yap\u0131c\u0131 ad\u0131mlar ile \u00f6n\u00fcm\u00fczdeki 1-2 y\u0131l i\u00e7erisinde bankac\u0131l\u0131\u011f\u0131n dijitalle\u015fme konusunda b\u00fcy\u00fck at\u0131l\u0131m yapaca\u011f\u0131n\u0131 \u00f6ng\u00f6r\u00fcyoruz. Biraz daha ileriye bakt\u0131\u011f\u0131m\u0131zda ise bu teknolojiler sayesinde, gelecekte bankac\u0131l\u0131k m\u00fc\u015fterilerimiz g\u00fcnl\u00fck hayatlar\u0131na devam ederken, kulland\u0131klar\u0131 bir\u00e7ok online hizmet \u00fczerinden i\u015flemlerini ger\u00e7ekle\u015ftirecek; ancak bankaya gitmek veya uygulama kullanmak zorunda kalmayacaklar. Biz de bu gelece\u011fe haz\u0131rl\u0131k i\u00e7in \u00e7al\u0131\u015fmalar\u0131ma devam ediyoruz. 2021\u2019in temmuz ay\u0131nda yeni nesil i\u015ftirakimiz, ayn\u0131 zamanda de\u011fi\u015fime y\u00f6n veren ara\u00e7lar\u0131m\u0131zdan birisi olacak NEOHUB\u2019\u0131 kurduk. NEOHUB ile hem giri\u015fimlere destek olurken hem de i\u00e7 payda\u015flar\u0131m\u0131zla bu alanlarda \u00e7al\u0131\u015fmalar y\u00fcr\u00fctece\u011fiz.”<\/p>\n
DenizBank Genel M\u00fcd\u00fcr\u00fc Ate\u015f, tar\u0131m ve turizm sekt\u00f6r\u00fcne ciddi destekler sa\u011flayan bankan\u0131n salg\u0131n d\u00f6nemindeki \u00e7al\u0131\u015fmalar\u0131na ili\u015fkin de yap\u0131lanlar\u0131 anlatt\u0131. Salg\u0131n d\u00f6nemini tar\u0131m sekt\u00f6r\u00fc a\u00e7\u0131s\u0131ndan incelediklerinde, di\u011fer sekt\u00f6rlerin ve t\u00fcm d\u00fcnyan\u0131n maruz kald\u0131\u011f\u0131 k\u0131s\u0131tlamalar\u0131n d\u0131\u015f\u0131nda \u00f6zel bir alan oldu\u011funu ifade eden Ate\u015f, bu nedenle salg\u0131n\u0131n ba\u015f\u0131ndan itibaren \u015fehir \u015fubelerinde \u00fcreticiler i\u00e7in tar\u0131m \u015fubelerinin kap\u0131s\u0131n\u0131 s\u00fcrekli a\u00e7\u0131k tuttuklar\u0131n\u0131 aktard\u0131.<\/p>\n
2021 y\u0131l\u0131na gelindi\u011finde t\u00fcm d\u00fcnyada tedarik s\u00fcre\u00e7lerinde ya\u015fanan aksakl\u0131\u011f\u0131n, s\u00fcrd\u00fcr\u00fclebilir \u00fcretimin \u00f6nemini tekrar ortaya koydu\u011funu belirten Ate\u015f, \u015f\u00f6yle konu\u015ftu:<\/p>\n
“Tar\u0131mda \u00f6zellikle iklim krizi kaynakl\u0131 olarak s\u00fcrd\u00fcr\u00fclebilirlik kavram\u0131 daha y\u00fcksek sesle konu\u015fulmaya ba\u015fland\u0131. Biz de gerek artan tar\u0131m girdileri finansman ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131, gerekse su gibi, toprak gibi do\u011fal kaynaklar\u0131 koruyan s\u00fcrd\u00fcr\u00fclebilir tar\u0131m \u00fcretiminin te\u015fvik edilmesi i\u00e7in \u00f6zel \u00fcr\u00fcnler ve kampanyalar tasarlad\u0131k. Tar\u0131mda s\u00fcrd\u00fcr\u00fclebilir \u00fcretimin te\u015fvikinin de dahil oldu\u011fu sendikasyon kredisi ile bu alana ay\u0131rd\u0131\u011f\u0131m\u0131z kayna\u011f\u0131 ayr\u0131\u015ft\u0131rmak ve \u00f6zel \u00fcr\u00fcnlerimizi ayr\u0131 bir performans kriteri ile takip etmek \u00fczere organizasyonumuzu ve \u00fcr\u00fcn gam\u0131m\u0131z\u0131 zenginle\u015ftirdik. Halihaz\u0131rda s\u00fcrd\u00fcr\u00fclebilir tar\u0131m\u0131n en \u00f6nemli aya\u011f\u0131 olan ak\u0131ll\u0131 tar\u0131m\u0131 ve ak\u0131ll\u0131 tar\u0131m uygulamalar\u0131n\u0131n yayg\u0131nla\u015fmas\u0131n\u0131 sa\u011flayacak teknoloji entegrasyonunu hem destekleyen hem de bu trendi ‘Deniz\u2019den Topra\u011fa’ dijital platformu ile bizzat y\u00f6nlendiren bir kurum olarak, tar\u0131m\u0131n yar\u0131n\u0131n\u0131n dijital d\u00f6n\u00fc\u015f\u00fcm ile daha parlak olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz.”<\/p>\n
\u00dclkenin tar\u0131m kompozisyonunun y\u00fczde 95\u2019i olan aile \u00e7ift\u00e7ili\u011fini ve daha k\u00fc\u00e7\u00fck alanda \u00fcretim yapmak durumunda olan \u00fcreticileri desteklemek ad\u0131na 620 bin \u00e7ift\u00e7inin adeta dijital kooperatifi olan \u00dcretici Kart ile \u00f6zel avantajlar sunmaya devam ettiklerini s\u00f6yleyen Ate\u015f, i\u015f ortaklar\u0131 ve sekt\u00f6r\u00fcn devleriyle yapt\u0131klar\u0131 kampanyalar sayesinde, 6 aya varan vadesiz d\u00f6nemlerle hasatta \u00f6deme avantaj\u0131 sunduklar\u0131 \u00dcretici Kart’\u0131n, 18 bin i\u015f yerinde g\u00fcbre, akaryak\u0131t, tohum, ila\u00e7 gibi temel girdilerin sat\u0131n al\u0131nmas\u0131nda \u00e7ift\u00e7inin en b\u00fcy\u00fck yard\u0131mc\u0131s\u0131 oldu\u011funu dile getirdi.<\/p>\n
Hakan Ate\u015f, \u00fclkenin cari a\u00e7\u0131\u011f\u0131n\u0131n kapanmas\u0131na y\u00f6nelik katk\u0131s\u0131, istihdam kapasitesi ve bir\u00e7ok alt sekt\u00f6r\u00fc beslemekte oldu\u011fu bilinciyle turizmi de stratejik sekt\u00f6rlerin biri olarak konumland\u0131rd\u0131klar\u0131n\u0131 belirtti.<\/p>\n
Bu kapsamda, i\u015ftirakleri olan DenizBank AG ve DenizBank Moskova\u2019y\u0131 da dahil ederek olu\u015fturduklar\u0131 ekosistemle yurt d\u0131\u015f\u0131ndaki turiste ilk dokunu\u015ftan, otellere ve tedarik\u00e7ilere kadar nakit ak\u0131\u015fa arac\u0131l\u0131k ettiklerini aktaran Ate\u015f, sunduklar\u0131 \u00fcr\u00fcn ve hizmetlerle sekt\u00f6re deste\u011fi s\u00fcrd\u00fcrd\u00fcklerini ifade etti.<\/p>\n
Ate\u015f, bug\u00fcn 2,9 milyar dolar kredi b\u00fcy\u00fckl\u00fc\u011f\u00fc ve y\u00fczde 16 pazar pay\u0131 ile sekt\u00f6rdeki lider konumunu devam ettirdiklerini vurgulad\u0131.<\/p>\n
Sadece b\u00fcy\u00fck firmalara de\u011fil, KOB\u0130 s\u0131n\u0131f\u0131na giren k\u00fc\u00e7\u00fck oteller, restoranlar dahil olmak \u00fczere toplam 6 bin 900 m\u00fc\u015fteriye hizmet verdiklerinin alt\u0131n\u0131 \u00e7izen Ate\u015f, \u015f\u00f6yle devam etti:<\/p>\n
“\u00d6zellikle salg\u0131n\u0131n sekt\u00f6re etkisinin en \u00fcst seviyeye \u00e7\u0131kt\u0131\u011f\u0131 2020 ve 2021 y\u0131llar\u0131nda, daha \u00f6nceki s\u0131k\u0131nt\u0131l\u0131 d\u00f6nemlerde oldu\u011fu gibi turizmcilerimizin yan\u0131nda olmaya devam ettik. Bu iki y\u0131lda, t\u00fcm kredilerimizin neredeyse yar\u0131s\u0131na tekab\u00fcl eden 1,4 milyar dolar b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki kredimizi, turizmcilerimizin nakit ak\u0131\u015f\u0131n\u0131 rahatlatacak \u015fekilde yeniden yap\u0131land\u0131rd\u0131k ya da \u00f6teledik.<\/p>\n
Gerek d\u00fcnya genelinde hedef pazarlarda turizm harcamalar\u0131na aktar\u0131labilecek tasarruflar\u0131n artmas\u0131, gerekse salg\u0131n\u0131n etkilerinin kontrol edilmesi y\u00f6n\u00fcndeki beklentilerimiz \u0131\u015f\u0131\u011f\u0131nda, 2022\u2019nin turizm sekt\u00f6r\u00fc i\u00e7in tam bir \u00e7\u0131k\u0131\u015f y\u0131l\u0131 olmas\u0131n\u0131 \u00f6ng\u00f6r\u00fcyoruz. DenizBank Finansal Hizmetler Grubu olarak biz de turizmcilerimizin yan\u0131nda olmaya devam edece\u011fiz. Bir yandan m\u00fc\u015fterilerimizin nakit ak\u0131\u015f\u0131na y\u00f6nelik \u00fcr\u00fcn ve hizmetlerimizi sunarken, di\u011fer yandan \u00fclkemize istihdam yaratacak yat\u0131r\u0131mlar\u0131n takip\u00e7isi olaca\u011f\u0131z. Bunlar\u0131 sa\u011flarken, T\u00fcrkiye\u2019nin de taraf oldu\u011fu ve turizm sekt\u00f6r\u00fcn\u00fc \u00f6nemli \u00f6l\u00e7\u00fcde etkileyecek Paris Anla\u015fmas\u0131\u2019n\u0131n getirdi\u011fi s\u00fcrd\u00fcr\u00fclebilirlik kavram\u0131n\u0131n turizm sekt\u00f6r\u00fc i\u00e7inde yayg\u0131nla\u015fmas\u0131na y\u00f6nelik ad\u0131mlar\u0131 destekleyece\u011fiz.”<\/p>\n
Hakan Ate\u015f, DenizBank olarak 2021’de s\u00fcrd\u00fcrebilirlik politikalar\u0131n\u0131 belirlediklerini, s\u00fcrd\u00fcr\u00fclebilirli\u011fi bundan sonra bankan\u0131n i\u015f stratejilerinde kutup y\u0131ld\u0131z\u0131 olarak g\u00f6receklerini s\u00f6yledi.<\/p>\n
S\u00fcrd\u00fcr\u00fclebilirlik y\u00f6netim sistemini kurduklar\u0131n\u0131 belirten Ate\u015f, “\u00d6n\u00fcm\u00fczdeki d\u00f6nemde bankam\u0131z\u0131n faaliyetlerinden kaynakl\u0131 direkt \u00e7evrese-sosyal etki ve karbon emisyonu ba\u015fta olmak \u00fczere pek \u00e7ok kriteri \u00f6l\u00e7\u00fcmleyecek ve azaltmak i\u00e7in elimizden geleni yapaca\u011f\u0131z. Banka olarak s\u00fcrd\u00fcr\u00fclebilirlik el\u00e7isi rol\u00fcm\u00fcz\u00fc, hizmetlerimiz arac\u0131l\u0131\u011f\u0131yla olumlu etki yaratmak ve payda\u015flar\u0131m\u0131za s\u00fcrd\u00fcr\u00fclebilir tercihler yapma konusunda ilham vererek s\u00fcrd\u00fcr\u00fclebilir finansmana y\u00f6n vermek olarak tan\u0131ml\u0131yoruz. Ni\u015f sekt\u00f6rlerimiz ve m\u00fc\u015fteri portf\u00f6y\u00fcm\u00fcz de asl\u0131nda s\u00fcrd\u00fcr\u00fclebilirlik stratejimizle \u00f6rt\u00fc\u015f\u00fcyor.” diye konu\u015ftu.<\/p>\n
Ate\u015f, k\u00fcresel s\u00fcrd\u00fcr\u00fclebilir tahvil piyasas\u0131 b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn kas\u0131m ay\u0131 itibar\u0131yla 2 trilyon dolara ula\u015ft\u0131\u011f\u0131n\u0131 aktard\u0131.<\/p>\n
2020\u2019de ger\u00e7ekle\u015ftirilen T\u00fcrkiye’deki ilk s\u00fcrd\u00fcr\u00fclebilirlik ba\u011flant\u0131l\u0131 sendikasyon kredisinin ard\u0131ndan; s\u00fcrd\u00fcr\u00fclebilirlik ba\u011flant\u0131l\u0131 sendikasyonlar\u0131n 2021’de piyasaya \u00f6nc\u00fcl\u00fck etti\u011fini anlatan Ate\u015f, 2021’de T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 13 milyar dolar\u0131 a\u015fan tutarda, 20 adet sendikasyon i\u015fleminin tamamland\u0131\u011f\u0131n\u0131 ve bunlardan 16’s\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilirlik ba\u011flant\u0131l\u0131 ger\u00e7ekle\u015fti\u011fini dile getirdi.<\/p>\n
Ate\u015f, sekt\u00f6rdeki en b\u00fcy\u00fck bankalar ba\u015fta olmak \u00fczere, 9 bankan\u0131n \u00e7e\u015fitli performans kriterlerine odaklanarak 2021’de s\u00fcrd\u00fcr\u00fclebilirlik ba\u011flant\u0131l\u0131 sendikasyonlara imza att\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131.<\/p>\n
DenizBank olarak kas\u0131m ay\u0131nda s\u00fcrd\u00fcr\u00fclebilirlik ba\u011flant\u0131l\u0131 ilk sendikasyon kredisi ile 840 milyon dolar tutar\u0131nda yurt d\u0131\u015f\u0131 kaynak sa\u011flad\u0131klar\u0131n\u0131 ve sekt\u00f6rde son iki y\u0131ldaki en geni\u015f kat\u0131l\u0131ml\u0131 sendikasyon kredisi oldu\u011funu s\u00f6yleyen Ate\u015f, engelli vatanda\u015flara uygun \u015fube ve ATM say\u0131lar\u0131n\u0131 art\u0131rmay\u0131 ve gelecek i\u00e7in hayati \u00f6neme sahip olan tar\u0131m\u0131n finansman\u0131 konusunu s\u00fcrd\u00fcr\u00fclebilirlik performans kriterleri belirlediklerini vurgulad\u0131.<\/p>\n
DenizBank olarak gezegenin gelece\u011fi ve do\u011fal kaynaklar\u0131n korunmas\u0131 a\u00e7\u0131s\u0131ndan s\u00fcrd\u00fcr\u00fclebilirlik kavram\u0131n\u0131 i\u015f modelinin kalbine koymay\u0131 hedeflediklerinin alt\u0131n\u0131 \u00e7izen Ate\u015f, “\u00d6zellikle oda\u011f\u0131m\u0131z belirledi\u011fimiz tar\u0131m, turizm, temiz su, kad\u0131n\u0131n g\u00fc\u00e7lendirilmesi ve teknolojide faaliyetlerimizi yo\u011funla\u015ft\u0131rarak yeni \u00fcr\u00fcnler geli\u015ftirecek; bu alanlarda faaliyet g\u00f6steren i\u015fletmelere deste\u011fimizi art\u0131raca\u011f\u0131z.” diyerek s\u00f6zlerini tamamlad\u0131.<\/p>\n
Kaynak:<\/p>\n","protected":false},"excerpt":{"rendered":"
DenizBank Genel M\u00fcd\u00fcr\u00fc Ate\u015f “Gerek turizm harcamalar\u0131na aktar\u0131labilecek tasarruflar\u0131n artmas\u0131, gerek salg\u0131n\u0131n etkilerinin kontrol edilmesi…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-70968","post","type-post","status-publish","format-standard","hentry","category-manset"],"views":160,"_links":{"self":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70968","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=70968"}],"version-history":[{"count":1,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70968\/revisions"}],"predecessor-version":[{"id":70971,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70968\/revisions\/70971"}],"wp:attachment":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/media?parent=70968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/categories?post=70968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/tags?post=70968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}