{"status":true,"post":{"id":17190,"user_id":23,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-21 10:16:48","created_at":"2017-09-24T21:00:00.000000Z","updated_at":"2022-10-21T07:16:48.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":17190,"is_featured":0,"title":"Kamu bankalar\u0131n\u0131n fonksiyonu","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

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Temel G\u00f6stergeleri Haziran 2017 Raporu\u2019nu, a\u011fustosta yay\u0131mlad\u0131. S\u00f6z konusu raporda bankac\u0131l\u0131k sekt\u00f6r\u00fc ile ilgili \u00e7ok \u00f6nemli veriler bulunuyor. Sekt\u00f6rde nas\u0131l bir geli\u015fim olmu\u015f, k\u00e2rl\u0131l\u0131k nedir, b\u00fcy\u00fcme var m\u0131 gibi bir\u00e7ok soruya cevap bulabiliyoruz.<\/span><\/p>

Biz ilgimizi \u00e7eken konular\u0131 sizlerle payla\u015fmak istedik.<\/span><\/p>

1-<\/strong> Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde y\u0131l\u0131n birinci \u00e7eyre\u011fine g\u00f6re ikinci \u00e7eyrekte hem personel hem de \u015fube say\u0131s\u0131nda azalma olmu\u015f.<\/span>
2-<\/strong> Bankalar\u0131n toplam varl\u0131klar\u0131 bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re y\u00fczde 3.7, 2016 sonuna g\u00f6re de y\u00fczde 8.8 artm\u0131\u015f.<\/span>
3-<\/strong> Bankalar\u0131n \u00f6z kaynaklar\u0131 bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re y\u00fczde 4.2, 2016 sonuna g\u00f6re de y\u00fczde 10.3 artm\u0131\u015f. Yani bu i\u015ften para kazan\u0131yorlar.<\/span>
4-<\/strong> Bankalar\u0131n toplam bilan\u00e7o i\u00e7erisindeki yabanc\u0131 para varl\u0131klar\u0131n\u0131n toplam varl\u0131klara oran\u0131 y\u00fczde 38 iken, yabanc\u0131 para y\u00fck\u00fcml\u00fcl\u00fcklerin toplam y\u00fck\u00fcml\u00fcl\u00fcklere oran\u0131 y\u00fczde 47. Yani bankalar d\u00f6vizde pozisyon a\u00e7m\u0131\u015flar. K\u0131sacas\u0131 d\u00f6vizde d\u00fc\u015f\u00fc\u015f bekliyor olabilirler.<\/span>
5-<\/strong> Bankalar\u0131n toplam varl\u0131klar\u0131n\u0131n y\u00fczde 65\u2019i krediler olup y\u00fck\u00fcml\u00fcl\u00fcklerinin i\u00e7erisinde mevduat\u0131n oran\u0131 y\u00fczde 53.<\/span>
6-<\/strong> Mevduat\u0131n krediye d\u00f6n\u00fc\u015f\u00fcm oran\u0131 rekor olup 1.15\u2019dir.<\/span>
7-<\/strong> Haziran 2017 d\u00f6nemi net k\u00e2r\u0131nda kamu bankalar\u0131 en y\u00fcksek oran\u0131 yakalam\u0131\u015f. Kamu bankalar\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fczde 9.69 ile rekor.<\/span>
Yerli \u00f6zel bankalar ayn\u0131 d\u00f6nemde y\u00fczde 8.93, yabanc\u0131 bankalar ise y\u00fczde 6.74 k\u00e2r etmi\u015f.<\/span>
8-<\/strong> \u00d6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131nda kamu bankalar\u0131 y\u00fczde 9.28 oran ile en y\u00fcksek k\u00e2r\u0131 yakalam\u0131\u015f durumda. Yerli \u00f6zel bankalar y\u00fczde 7.84 ve yabanc\u0131 bankalar y\u00fczde 7.76 oran\u0131nda \u00f6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131na ula\u015fabilmi\u015f.<\/span>
9-<\/strong> Aktif k\u00e2rl\u0131l\u0131\u011f\u0131nda yine kamu en \u00f6nde, y\u00fczde 1.23. Yerli \u00f6zel bankalar y\u00fczde 1.05 ve yabanc\u0131 bankalar y\u00fczde 1 aktif k\u00e2rl\u0131l\u0131\u011f\u0131na ula\u015fm\u0131\u015f.<\/span><\/p>

Bu rakamlara bakt\u0131\u011f\u0131n\u0131zda ilk olarak kamu bankalar\u0131n\u0131 y\u00f6netenler \u00e7ok ba\u015far\u0131l\u0131 y\u00f6netmi\u015fler gibi bir d\u00fc\u015f\u00fcnceye kat\u0131labilirsiniz. Ancak biz \u00f6yle bakm\u0131yoruz. Kamu bankalar\u0131n\u0131n fonksiyonu k\u00e2r etmek mi? <\/span>
Yoksa bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki dengesizliklerde piyasay\u0131 reg\u00fcle eden, dengeleyen bir rol oynamalar\u0131 m\u0131? <\/span>
G\u00f6r\u00fcnen o ki, bu i\u015ften en fazla paray\u0131 kazanan kamu bankalar\u0131 faiz indirimlerinde de ba\u015f\u0131 \u00e7ekmeli. <\/span>
K\u00e2rl\u0131l\u0131klar\u0131ndan biraz feragat edip daha d\u00fc\u015f\u00fck faizlerle kredi kulland\u0131r\u0131rlarsa ve k\u00e2rl\u0131l\u0131kta de\u011fil hizmette sekt\u00f6re \u00f6nc\u00fc olurlarsa o zaman di\u011ferleri de onlar\u0131 takip edecek.<\/span><\/p> \t\t\t\t","slug":"kamu-bankalarinin-fonksiyonu","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Kamu bankalar\u0131n\u0131n fonksiyonu","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":102,"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":17289,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":17190,"locale":"tr","category_id":73,"title":"Kamu bankalar\u0131n\u0131n fonksiyonu","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

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Temel G\u00f6stergeleri Haziran 2017 Raporu\u2019nu, a\u011fustosta yay\u0131mlad\u0131. S\u00f6z konusu raporda bankac\u0131l\u0131k sekt\u00f6r\u00fc ile ilgili \u00e7ok \u00f6nemli veriler bulunuyor. Sekt\u00f6rde nas\u0131l bir geli\u015fim olmu\u015f, k\u00e2rl\u0131l\u0131k nedir, b\u00fcy\u00fcme var m\u0131 gibi bir\u00e7ok soruya cevap bulabiliyoruz.<\/span><\/p>

Biz ilgimizi \u00e7eken konular\u0131 sizlerle payla\u015fmak istedik.<\/span><\/p>

1-<\/strong> Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde y\u0131l\u0131n birinci \u00e7eyre\u011fine g\u00f6re ikinci \u00e7eyrekte hem personel hem de \u015fube say\u0131s\u0131nda azalma olmu\u015f.<\/span>
2-<\/strong> Bankalar\u0131n toplam varl\u0131klar\u0131 bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re y\u00fczde 3.7, 2016 sonuna g\u00f6re de y\u00fczde 8.8 artm\u0131\u015f.<\/span>
3-<\/strong> Bankalar\u0131n \u00f6z kaynaklar\u0131 bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re y\u00fczde 4.2, 2016 sonuna g\u00f6re de y\u00fczde 10.3 artm\u0131\u015f. Yani bu i\u015ften para kazan\u0131yorlar.<\/span>
4-<\/strong> Bankalar\u0131n toplam bilan\u00e7o i\u00e7erisindeki yabanc\u0131 para varl\u0131klar\u0131n\u0131n toplam varl\u0131klara oran\u0131 y\u00fczde 38 iken, yabanc\u0131 para y\u00fck\u00fcml\u00fcl\u00fcklerin toplam y\u00fck\u00fcml\u00fcl\u00fcklere oran\u0131 y\u00fczde 47. Yani bankalar d\u00f6vizde pozisyon a\u00e7m\u0131\u015flar. K\u0131sacas\u0131 d\u00f6vizde d\u00fc\u015f\u00fc\u015f bekliyor olabilirler.<\/span>
5-<\/strong> Bankalar\u0131n toplam varl\u0131klar\u0131n\u0131n y\u00fczde 65\u2019i krediler olup y\u00fck\u00fcml\u00fcl\u00fcklerinin i\u00e7erisinde mevduat\u0131n oran\u0131 y\u00fczde 53.<\/span>
6-<\/strong> Mevduat\u0131n krediye d\u00f6n\u00fc\u015f\u00fcm oran\u0131 rekor olup 1.15\u2019dir.<\/span>
7-<\/strong> Haziran 2017 d\u00f6nemi net k\u00e2r\u0131nda kamu bankalar\u0131 en y\u00fcksek oran\u0131 yakalam\u0131\u015f. Kamu bankalar\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 y\u00fczde 9.69 ile rekor.<\/span>
Yerli \u00f6zel bankalar ayn\u0131 d\u00f6nemde y\u00fczde 8.93, yabanc\u0131 bankalar ise y\u00fczde 6.74 k\u00e2r etmi\u015f.<\/span>
8-<\/strong> \u00d6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131nda kamu bankalar\u0131 y\u00fczde 9.28 oran ile en y\u00fcksek k\u00e2r\u0131 yakalam\u0131\u015f durumda. Yerli \u00f6zel bankalar y\u00fczde 7.84 ve yabanc\u0131 bankalar y\u00fczde 7.76 oran\u0131nda \u00f6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131na ula\u015fabilmi\u015f.<\/span>
9-<\/strong> Aktif k\u00e2rl\u0131l\u0131\u011f\u0131nda yine kamu en \u00f6nde, y\u00fczde 1.23. Yerli \u00f6zel bankalar y\u00fczde 1.05 ve yabanc\u0131 bankalar y\u00fczde 1 aktif k\u00e2rl\u0131l\u0131\u011f\u0131na ula\u015fm\u0131\u015f.<\/span><\/p>

Bu rakamlara bakt\u0131\u011f\u0131n\u0131zda ilk olarak kamu bankalar\u0131n\u0131 y\u00f6netenler \u00e7ok ba\u015far\u0131l\u0131 y\u00f6netmi\u015fler gibi bir d\u00fc\u015f\u00fcnceye kat\u0131labilirsiniz. Ancak biz \u00f6yle bakm\u0131yoruz. Kamu bankalar\u0131n\u0131n fonksiyonu k\u00e2r etmek mi? <\/span>
Yoksa bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki dengesizliklerde piyasay\u0131 reg\u00fcle eden, dengeleyen bir rol oynamalar\u0131 m\u0131? <\/span>
G\u00f6r\u00fcnen o ki, bu i\u015ften en fazla paray\u0131 kazanan kamu bankalar\u0131 faiz indirimlerinde de ba\u015f\u0131 \u00e7ekmeli. <\/span>
K\u00e2rl\u0131l\u0131klar\u0131ndan biraz feragat edip daha d\u00fc\u015f\u00fck faizlerle kredi kulland\u0131r\u0131rlarsa ve k\u00e2rl\u0131l\u0131kta de\u011fil hizmette sekt\u00f6re \u00f6nc\u00fc olurlarsa o zaman di\u011ferleri de onlar\u0131 takip edecek.<\/span><\/p> \t\t\t\t","slug":"kamu-bankalarinin-fonksiyonu","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":"Kamu bankalar\u0131n\u0131n fonksiyonu","meta_description":"Hikmet Baydar","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":102,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}