{"status":true,"post":{"id":20309,"user_id":23,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-24 13:50:23","created_at":"2019-05-05T21:00:00.000000Z","updated_at":"2022-10-24T10:50:23.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":20309,"is_featured":0,"title":"Bankac\u0131l\u0131kta d\u00f6viz ve likidite","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p><span class=\"large\">Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu taraf\u0131ndan yay\u0131nlanan ayl\u0131k b\u00fcltene g\u00f6re, bankalar\u0131n aktif (varl\u0131k) b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 2018 ba\u015f\u0131ndan 2019 mart ay\u0131na kadar geli\u015fimine ve TL ile yabanc\u0131 para kredi de\u011fi\u015fimine \u015f\u00f6yle bir bakal\u0131m.<\/span><\/p>  <p><span class=\"large\">Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde yukar\u0131da bahsetti\u011fimiz verilerdeki de\u011fi\u015fim, ekonomide ya\u015fanan s\u0131k\u0131nt\u0131lar\u0131n nedenini de olu\u015fturabilece\u011finden bu verilere bakma ihtiyac\u0131 duyduk. Veriler resmi bir kuruma ait olup y\u00fczde 100 kay\u0131t alt\u0131nda olan bir sekt\u00f6r olmas\u0131 nedeniyle son derece ger\u00e7ek\u00e7idir.<\/span><\/p>  <p><span class=\"large\">Mart 2019 ay\u0131 b\u00fcltenine g\u00f6re bankac\u0131l\u0131k sekt\u00f6r\u00fc mart 2019 ay\u0131 itibariyle 1.508.382 milyon TL T\u00fcrk paras\u0131, 1.009.402 milyon TL kar\u015f\u0131l\u0131\u011f\u0131nda da d\u00f6viz kredisi kulland\u0131rmaktad\u0131r. Kulland\u0131r\u0131lan toplam krediler 2.517.783 milyon TL\u2019dir. Buna kar\u015f\u0131l\u0131k s\u00f6z konusu sekt\u00f6r\u00fcn 2.265.570 milyon TL T\u00fcrk paras\u0131, 1.873.422 TL kar\u015f\u0131l\u0131\u011f\u0131 da d\u00f6viz olmak \u00fczere toplam 4.138.992 milyon TL tutar\u0131nda varl\u0131\u011f\u0131 bulunmaktad\u0131r.<\/span><\/p>  <p><span class=\"large\">2018 y\u0131l\u0131 Ocak ay\u0131na bakt\u0131\u011f\u0131m\u0131zda ise kulland\u0131r\u0131lan kredilerin 1.422.392,79 milyon TL k\u0131sm\u0131 T\u00fcrk paras\u0131, 689.068,88 milyon TL kar\u015f\u0131l\u0131\u011f\u0131 d\u00f6viz olmak \u00fczere toplam 2.111.461,67 milyon TL oldu\u011fu, buna kar\u015f\u0131l\u0131k, 1.983.702,76 milyon TL T\u00fcrk paras\u0131 cinsinden, 1.264.183,84 milyon TL ise d\u00f6viz cinsinden olmak \u00fczere toplam 3.247.886,60 milyon TL varl\u0131\u011f\u0131n\u0131n bulundu\u011funu g\u00f6rmekteyiz.<\/span><\/p>  <p><span class=\"large\">Sizleri fazla rakamlara bo\u011fmadan oranlarla durumu ifade etmeye \u00e7al\u0131\u015fal\u0131m: <\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2018 ocak ay\u0131nda varl\u0131klar\u0131n y\u00fczde 61\u2019i TL cinsi, y\u00fczde 39\u2019u yabanc\u0131 para cinsi idi. Oysa 2019 mart ay\u0131nda varl\u0131klar\u0131n y\u00fczde 55\u2019i TL cinsi, y\u00fczde 45\u2019i yabanc\u0131 para olarak de\u011fi\u015fmi\u015ftir.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">E\u011fer ayn\u0131 oran korunsayd\u0131 2019 mart ay\u0131nda bankalarda yabanc\u0131 para varl\u0131k toplam\u0131 262.390,64 milyon TL kadar daha d\u00fc\u015f\u00fck olacakt\u0131. Bu durum d\u00f6vizin y\u00fckselmesinde bankalar\u0131n katk\u0131s\u0131 oldu\u011funu da a\u00e7\u0131k\u00e7a g\u00f6steriyor.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Mevcut d\u00f6nemde bankalar\u0131n TL cinsi aktifleri y\u00fczde 14 artarken, d\u00f6viz cinsi varl\u0131klar\u0131ndaki art\u0131\u015f y\u00fczde 48 civar\u0131ndad\u0131r. Toplam varl\u0131klar\u0131ndaki art\u0131\u015f ise sadece y\u00fczde 27 civar\u0131nda olup a\u011f\u0131rl\u0131kl\u0131 d\u00f6viz cinsi varl\u0131k art\u0131\u015f\u0131ndan kaynaklanmaktad\u0131r.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Bu rakamlar bankalar\u0131n d\u00f6viz cinsi varl\u0131klar\u0131n toplam varl\u0131k i\u00e7erisindeki oran\u0131n\u0131 art\u0131rd\u0131klar\u0131n\u0131 net bir \u015fekilde g\u00f6stermektedir.<\/span><\/li>  <\/ul>  <p><span class=\"large\" style=\"font-size: 15.6px;\">\u015eimdi gelelim kredi geli\u015fimine. Yani bankalar kredi kulland\u0131r\u0131m\u0131nda nas\u0131l bir davran\u0131\u015f de\u011fi\u015fikli\u011fine gitmi\u015fler onu g\u00f6relim:<\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2018 ocak ay\u0131nda kulland\u0131r\u0131lan kredilerin toplam varl\u0131klara oran\u0131 y\u00fczde 65 imi\u015f. Yani 2.111.461,67 milyon TL kar\u015f\u0131l\u0131\u011f\u0131 kredi varl\u0131klar toplam\u0131 3.247.886,60 TL tutar\u0131nda iken kulland\u0131r\u0131lm\u0131\u015ft\u0131.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2019 mart ay\u0131na bakt\u0131\u011f\u0131m\u0131zda ise kulland\u0131r\u0131lan kredilerin toplam varl\u0131klara oran\u0131n\u0131n y\u00fczde 60.83 seviyesine d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcyoruz. Yani 4.138.991,62 milyon TL kar\u015f\u0131l\u0131\u011f\u0131nda varl\u0131k olmas\u0131na ra\u011fmen kulland\u0131r\u0131lan krediler toplam\u0131 2.517.783,38 milyon TL seviyesinde kalm\u0131\u015ft\u0131r.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Oysa 2018 ocak ay\u0131 oranlar\u0131 korunsayd\u0131 kulland\u0131r\u0131lan kredi toplam\u0131 2.690.771,95 milyon TL seviyesine 172.988,57 milyon TL artarak gelmi\u015f olacakt\u0131.<\/span><\/li>  <\/ul>  <p><span class=\"large\" style=\"font-size: 15.6px;\">Bu verilere g\u00f6re de bankac\u0131l\u0131k sekt\u00f6r\u00fc krediler konusunda 2018 ocak ay\u0131na g\u00f6re daha cimri davranm\u0131\u015f g\u00f6r\u00fcn\u00fcyor.<\/span><\/p>  <p><span class=\"large\" style=\"font-size: 15.6px;\">\u00d6zet olarak 2018 ocak - 2019 mart d\u00f6nemi incelendi\u011finde bankac\u0131l\u0131k sekt\u00f6r\u00fc d\u00f6viz cinsi varl\u0131k oran\u0131n\u0131 ciddi \u015fekilde art\u0131r\u0131rken, kulland\u0131r\u0131lan kredilerin varl\u0131klara oran\u0131n\u0131 azaltm\u0131\u015ft\u0131r. B\u00f6ylece piyasada olu\u015fan likidite s\u0131k\u0131nt\u0131s\u0131na ve d\u00f6viz al\u0131m e\u011filimine katk\u0131da bulunduklar\u0131n\u0131 s\u00f6ylemek (mevcut BDDK verilerine g\u00f6re) pek de yanl\u0131\u015f olmayacak.<\/span><\/p>  \t\t\t\t","slug":"bankacilikta-doviz-ve-likidite","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Bankac\u0131l\u0131kta d\u00f6viz ve likidite","meta_description":"Hikmet Baydar","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":103,"cropped_1200x675":null,"user":{"id":23,"name":"H\u0130KMET","surname":"BAYDAR","email":"hikmet-baydar@gmail.com","slug":"hikmet-baydar","avatar":"\/front\/uploads\/avatar\/1733691600m8IdzrjJsMVvSMC.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-10-19T14:42:06.000000Z","updated_at":"2024-12-18T09:49:02.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":20408,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":20309,"locale":"tr","category_id":73,"title":"Bankac\u0131l\u0131kta d\u00f6viz ve likidite","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p><span class=\"large\">Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu taraf\u0131ndan yay\u0131nlanan ayl\u0131k b\u00fcltene g\u00f6re, bankalar\u0131n aktif (varl\u0131k) b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 2018 ba\u015f\u0131ndan 2019 mart ay\u0131na kadar geli\u015fimine ve TL ile yabanc\u0131 para kredi de\u011fi\u015fimine \u015f\u00f6yle bir bakal\u0131m.<\/span><\/p>  <p><span class=\"large\">Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde yukar\u0131da bahsetti\u011fimiz verilerdeki de\u011fi\u015fim, ekonomide ya\u015fanan s\u0131k\u0131nt\u0131lar\u0131n nedenini de olu\u015fturabilece\u011finden bu verilere bakma ihtiyac\u0131 duyduk. Veriler resmi bir kuruma ait olup y\u00fczde 100 kay\u0131t alt\u0131nda olan bir sekt\u00f6r olmas\u0131 nedeniyle son derece ger\u00e7ek\u00e7idir.<\/span><\/p>  <p><span class=\"large\">Mart 2019 ay\u0131 b\u00fcltenine g\u00f6re bankac\u0131l\u0131k sekt\u00f6r\u00fc mart 2019 ay\u0131 itibariyle 1.508.382 milyon TL T\u00fcrk paras\u0131, 1.009.402 milyon TL kar\u015f\u0131l\u0131\u011f\u0131nda da d\u00f6viz kredisi kulland\u0131rmaktad\u0131r. Kulland\u0131r\u0131lan toplam krediler 2.517.783 milyon TL\u2019dir. Buna kar\u015f\u0131l\u0131k s\u00f6z konusu sekt\u00f6r\u00fcn 2.265.570 milyon TL T\u00fcrk paras\u0131, 1.873.422 TL kar\u015f\u0131l\u0131\u011f\u0131 da d\u00f6viz olmak \u00fczere toplam 4.138.992 milyon TL tutar\u0131nda varl\u0131\u011f\u0131 bulunmaktad\u0131r.<\/span><\/p>  <p><span class=\"large\">2018 y\u0131l\u0131 Ocak ay\u0131na bakt\u0131\u011f\u0131m\u0131zda ise kulland\u0131r\u0131lan kredilerin 1.422.392,79 milyon TL k\u0131sm\u0131 T\u00fcrk paras\u0131, 689.068,88 milyon TL kar\u015f\u0131l\u0131\u011f\u0131 d\u00f6viz olmak \u00fczere toplam 2.111.461,67 milyon TL oldu\u011fu, buna kar\u015f\u0131l\u0131k, 1.983.702,76 milyon TL T\u00fcrk paras\u0131 cinsinden, 1.264.183,84 milyon TL ise d\u00f6viz cinsinden olmak \u00fczere toplam 3.247.886,60 milyon TL varl\u0131\u011f\u0131n\u0131n bulundu\u011funu g\u00f6rmekteyiz.<\/span><\/p>  <p><span class=\"large\">Sizleri fazla rakamlara bo\u011fmadan oranlarla durumu ifade etmeye \u00e7al\u0131\u015fal\u0131m: <\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2018 ocak ay\u0131nda varl\u0131klar\u0131n y\u00fczde 61\u2019i TL cinsi, y\u00fczde 39\u2019u yabanc\u0131 para cinsi idi. Oysa 2019 mart ay\u0131nda varl\u0131klar\u0131n y\u00fczde 55\u2019i TL cinsi, y\u00fczde 45\u2019i yabanc\u0131 para olarak de\u011fi\u015fmi\u015ftir.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">E\u011fer ayn\u0131 oran korunsayd\u0131 2019 mart ay\u0131nda bankalarda yabanc\u0131 para varl\u0131k toplam\u0131 262.390,64 milyon TL kadar daha d\u00fc\u015f\u00fck olacakt\u0131. Bu durum d\u00f6vizin y\u00fckselmesinde bankalar\u0131n katk\u0131s\u0131 oldu\u011funu da a\u00e7\u0131k\u00e7a g\u00f6steriyor.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Mevcut d\u00f6nemde bankalar\u0131n TL cinsi aktifleri y\u00fczde 14 artarken, d\u00f6viz cinsi varl\u0131klar\u0131ndaki art\u0131\u015f y\u00fczde 48 civar\u0131ndad\u0131r. Toplam varl\u0131klar\u0131ndaki art\u0131\u015f ise sadece y\u00fczde 27 civar\u0131nda olup a\u011f\u0131rl\u0131kl\u0131 d\u00f6viz cinsi varl\u0131k art\u0131\u015f\u0131ndan kaynaklanmaktad\u0131r.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Bu rakamlar bankalar\u0131n d\u00f6viz cinsi varl\u0131klar\u0131n toplam varl\u0131k i\u00e7erisindeki oran\u0131n\u0131 art\u0131rd\u0131klar\u0131n\u0131 net bir \u015fekilde g\u00f6stermektedir.<\/span><\/li>  <\/ul>  <p><span class=\"large\" style=\"font-size: 15.6px;\">\u015eimdi gelelim kredi geli\u015fimine. Yani bankalar kredi kulland\u0131r\u0131m\u0131nda nas\u0131l bir davran\u0131\u015f de\u011fi\u015fikli\u011fine gitmi\u015fler onu g\u00f6relim:<\/span><\/p>  <ul>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2018 ocak ay\u0131nda kulland\u0131r\u0131lan kredilerin toplam varl\u0131klara oran\u0131 y\u00fczde 65 imi\u015f. Yani 2.111.461,67 milyon TL kar\u015f\u0131l\u0131\u011f\u0131 kredi varl\u0131klar toplam\u0131 3.247.886,60 TL tutar\u0131nda iken kulland\u0131r\u0131lm\u0131\u015ft\u0131.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">2019 mart ay\u0131na bakt\u0131\u011f\u0131m\u0131zda ise kulland\u0131r\u0131lan kredilerin toplam varl\u0131klara oran\u0131n\u0131n y\u00fczde 60.83 seviyesine d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcyoruz. Yani 4.138.991,62 milyon TL kar\u015f\u0131l\u0131\u011f\u0131nda varl\u0131k olmas\u0131na ra\u011fmen kulland\u0131r\u0131lan krediler toplam\u0131 2.517.783,38 milyon TL seviyesinde kalm\u0131\u015ft\u0131r.<\/span><\/li>   <li><span class=\"large\" style=\"font-size: 15.6px;\">Oysa 2018 ocak ay\u0131 oranlar\u0131 korunsayd\u0131 kulland\u0131r\u0131lan kredi toplam\u0131 2.690.771,95 milyon TL seviyesine 172.988,57 milyon TL artarak gelmi\u015f olacakt\u0131.<\/span><\/li>  <\/ul>  <p><span class=\"large\" style=\"font-size: 15.6px;\">Bu verilere g\u00f6re de bankac\u0131l\u0131k sekt\u00f6r\u00fc krediler konusunda 2018 ocak ay\u0131na g\u00f6re daha cimri davranm\u0131\u015f g\u00f6r\u00fcn\u00fcyor.<\/span><\/p>  <p><span class=\"large\" style=\"font-size: 15.6px;\">\u00d6zet olarak 2018 ocak - 2019 mart d\u00f6nemi incelendi\u011finde bankac\u0131l\u0131k sekt\u00f6r\u00fc d\u00f6viz cinsi varl\u0131k oran\u0131n\u0131 ciddi \u015fekilde art\u0131r\u0131rken, kulland\u0131r\u0131lan kredilerin varl\u0131klara oran\u0131n\u0131 azaltm\u0131\u015ft\u0131r. B\u00f6ylece piyasada olu\u015fan likidite s\u0131k\u0131nt\u0131s\u0131na ve d\u00f6viz al\u0131m e\u011filimine katk\u0131da bulunduklar\u0131n\u0131 s\u00f6ylemek (mevcut BDDK verilerine g\u00f6re) pek de yanl\u0131\u015f olmayacak.<\/span><\/p>  \t\t\t\t","slug":"bankacilikta-doviz-ve-likidite","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Bankac\u0131l\u0131kta d\u00f6viz ve likidite","meta_description":"Hikmet Baydar","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":103,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}