{"id":14609,"date":"2018-06-20T09:28:05","date_gmt":"2018-06-20T09:28:05","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2018\/06\/20\/borclanma-araclarinin-bankalarin-ozsermaye-hesaplanmasina-dahil-edilmesine-iliskin-yeni-duzenleme\/"},"modified":"2022-06-09T12:14:38","modified_gmt":"2022-06-09T12:14:38","slug":"borclanma-araclarinin-bankalarin-ozsermaye-hesaplanmasina-dahil-edilmesine-iliskin-yeni-duzenleme","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2018\/06\/20\/borclanma-araclarinin-bankalarin-ozsermaye-hesaplanmasina-dahil-edilmesine-iliskin-yeni-duzenleme\/","title":{"rendered":"Bor\u00e7lanma Ara\u00e7lar\u0131n\u0131n Bankalar\u0131n \u00d6zsermaye Hesaplanmas\u0131na D\u00e2hil Edilmesine \u0130li\u015fkin Yeni D\u00fczenleme"},"content":{"rendered":"

Yeni Geli\u015fme<\/h4>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK<\/b>\u201d) taraf\u0131ndan haz\u0131rlanan Bankalarca \u00d6zkaynak Hesaplamas\u0131na D\u00e2hil Edilebilecek Bor\u00e7lanma Ara\u00e7lar\u0131na \u0130li\u015fkin Esaslar Hakk\u0131nda Tebli\u011f (\u201cTebli\u011f<\/b>\u201d) 7 Haziran 2018 tarih ve 30444 say\u0131l\u0131 Resmi Gazete’de yay\u0131mland\u0131 ve y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n

De\u011fi\u015fiklik Ne Getiriyor?<\/h4>\n

Bor\u00e7lanma ara\u00e7lar\u0131n\u0131n, \u00f6zkaynak hesaplamas\u0131na d\u00e2hil edilebilmesi i\u00e7in, Bankalar\u0131n \u00d6zkaynaklar\u0131na \u0130li\u015fkin Y\u00f6netmelik\u2019te (\u201c\u00d6zkaynak Y\u00f6netmeli\u011fi<\/b>\u201d) aranan \u015fartlar\u0131 haiz olduklar\u0131, ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131 taraf\u0131ndan verilecek g\u00f6r\u00fc\u015f ile teyit edilecek.<\/p>\n

Bor\u00e7lanma ara\u00e7lar\u0131n\u0131n kay\u0131tlardan silinmesi, de\u011fer azalt\u0131m\u0131 veya hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi durumunda:<\/p>\n

    \n
  • \u00f6nce ilave ana sermaye hesaplamas\u0131na dahil edilenler, daha sonra ise katk\u0131 sermaye hesaplanmas\u0131na dahil edenler dikkate al\u0131nacak;<\/li>\n
  • kay\u0131tlardan silinecek, azalt\u0131lacak veya hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclecek tutarlar\u0131n belirlenmesinde nominal de\u011ferleri esas al\u0131nacak olup, krediler a\u00e7\u0131s\u0131ndan ise banka kay\u0131tlar\u0131ndaki anapara tutarlar\u0131 dikkate al\u0131nacak;<\/li>\n
  • birden fazla bor\u00e7lanma arac\u0131n\u0131n bulunmas\u0131 durumunda, her bir bor\u00e7lanma arac\u0131n\u0131n ilave ana sermaye veya katk\u0131 ana sermaye hesaplamas\u0131na dahil edilen toplam bor\u00e7lanma ara\u00e7lar\u0131 i\u00e7erisindeki pay\u0131 dikkate al\u0131nacak;<\/li>\n
  • temett\u00fc veya faiz \u00f6demesi veya vadeden \u00f6nce geri \u00f6deme ve erken itfa i\u015flemleri, de\u011feri azalt\u0131lan veya hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclen tutardan arta kalan bakiye \u00fczerinden yap\u0131lacak;<\/li>\n
  • e\u011fer bankan\u0131n maruz kald\u0131\u011f\u0131 zararlar nedeniyle faaliyet izninin iptal edilmesi veya Tasarruf Mevduat\u0131 Sigorta Fonu\u2019na (\u201cTMSF<\/b>\u201d) devredilmesi ihtimali do\u011farsa, de\u011feri azalt\u0131lan bor\u00e7lanma ara\u00e7lar\u0131, de\u011fer art\u0131r\u0131m\u0131na tabi tutulamayacak.Bunlara ek olarak, bor\u00e7lanma ara\u00e7lar\u0131n\u0131n hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi durumunda, (i) bu hisselerin ihra\u00e7 edilebilmesi i\u00e7in ihra\u00e7 \u00f6ncesinde genel kurul karar\u0131 al\u0131nmas\u0131, (ii) bor\u00e7lanma ara\u00e7lar\u0131na ili\u015fkin s\u00f6zle\u015fme veya ihra\u00e7 belgesinde belirtilmi\u015f hisse senedi ihrac\u0131n\u0131n hemen yap\u0131labilmesinin sa\u011flanmas\u0131 i\u00e7in gerekli \u00f6n izinlerin ilgili mercilerden al\u0131nmas\u0131 (BDDK, Sermaye Piyasas\u0131 Kurulu gibi), (iii) yine s\u00f6zle\u015fme veya ihra\u00e7 belgesinde, d\u00f6n\u00fc\u015ft\u00fcrme oran\u0131 ile d\u00f6n\u00fc\u015ft\u00fcrme i\u015fleminde ihra\u00e7 edilecek azami hisse senedi tutar\u0131 veya d\u00f6n\u00fc\u015ft\u00fcrme aral\u0131\u011f\u0131 ile birlikte d\u00f6n\u00fc\u015ft\u00fcrme oran\u0131 veya aral\u0131\u011f\u0131n\u0131n hesaplanmas\u0131nda kullan\u0131lacak hisse senedi fiyat\u0131n\u0131n belirlenmesine ili\u015fkin y\u00f6ntemin yer almas\u0131 zorunlu olacak. Bunun yan\u0131 s\u0131ra, Bor\u00e7lanma ara\u00e7lar\u0131n\u0131n imtiyazl\u0131 paylara d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi ise m\u00fcmk\u00fcn olmayacak.Bor\u00e7lanma Ara\u00e7lar\u0131n\u0131n hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi durumunda, e\u011fer bir ki\u015fi bankan\u0131n sermayesinin\n

    %10, %20, %33 veya %50\u2019sini a\u015facak veya bu oranlar\u0131n alt\u0131na d\u00fc\u015fecek \u015fekilde bu hisse senetlerini elde ederse, temett\u00fc hari\u00e7 ortakl\u0131k haklar\u0131n\u0131 kullanabilmesi i\u00e7in kurucularda aranan nitelikleri ta\u015f\u0131mas\u0131 ve Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu\u2019ndan (\u201cKurul<\/b>\u201d) izin almas\u0131 gerekecek. \u0130zin verilene kadar veya izin verilmemesi durumunda, ilgili paylar\u0131n elden \u00e7\u0131kar\u0131lmas\u0131 i\u00e7in en fazla alt\u0131 ayl\u0131k bir s\u00fcre verilecek. Bu s\u00fcre boyunca paylardan do\u011fan temett\u00fc hari\u00e7 ortakl\u0131k haklar\u0131, BDDK\u2019n\u0131n bildirimi \u00fczerine TMSF taraf\u0131ndan kullan\u0131lacak.<\/p>\n

    \u0130lave ana sermaye hesaplanmas\u0131na dahil edilen bor\u00e7lanma arac\u0131na ili\u015fkin olarak, bir bankan\u0131n tek ba\u015f\u0131na veya konsolide \u00e7ekirdek sermaye yeterlilik oran\u0131n\u0131n %5,125\u2019in alt\u0131na d\u00fc\u015fmesi durumunda:<\/li>\n

  • banka derhal BDDK\u2019y\u0131 ve bor\u00e7lanma arac\u0131n\u0131 elinde bulunduran\u0131 bilgilendirecek;<\/li>\n
  • bor\u00e7lanma arac\u0131n\u0131n kay\u0131tlardan silinecek, de\u011fer azalt\u0131m\u0131na veya hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclecek tutarlar\u0131 bir ay i\u00e7inde belirlenecek (Kurul, bu s\u00fcreyi de\u011fi\u015ftirmeye yetkili olacak);<\/li>\n
  • de\u011feri azalt\u0131lan bor\u00e7lanma arac\u0131, ge\u00e7ici de\u011fer azalt\u0131m\u0131 sonras\u0131 de\u011fer art\u0131r\u0131m\u0131na tabi olabilecek.<\/li>\n<\/ul>\n

    Ge\u00e7ici de\u011fer azalt\u0131m\u0131 sonras\u0131nda de\u011fer art\u0131r\u0131m\u0131 yap\u0131labilmesi i\u00e7in (i) art\u0131r\u0131m\u0131n bankan\u0131n d\u00f6nem net kar\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilmesi, (ii) de\u011fer art\u0131r\u0131m\u0131 ile azalt\u0131lm\u0131\u015f anapara \u00fczerinden yap\u0131lacak temett\u00fc veya faiz \u00f6demelerinin toplam\u0131n\u0131n, (bor\u00e7lanma arac\u0131n\u0131n de\u011fer azalt\u0131m\u0131 \u00f6ncesi nominal de\u011feri \u00f7 bankan\u0131n ana sermaye tutar\u0131) x (bankan\u0131n da\u011f\u0131t\u0131ma esas net d\u00f6nem kar\u0131) y\u00f6ntemiyle bulunacak tutar\u0131 a\u015fmamas\u0131, (iii)her bir bor\u00e7lanma arac\u0131n\u0131n de\u011fer azalt\u0131m\u0131na tabi tutulan bor\u00e7lanma ara\u00e7lar\u0131n\u0131n toplam\u0131 i\u00e7erisindeki pay\u0131 dikkate al\u0131nmas\u0131 gerekecek.<\/p>\n

    Ge\u00e7ici de\u011fer azalt\u0131m\u0131 sonras\u0131 yap\u0131lacak de\u011fer art\u0131r\u0131m\u0131 ile azalt\u0131lm\u0131\u015f anapara tutar\u0131 \u00fczerinden yap\u0131lacak temett\u00fc ve faiz \u00f6demelerinin toplam\u0131 kar da\u011f\u0131t\u0131m\u0131 gibi de\u011ferlendirilecek.<\/p>\n

    Sonu\u00e7<\/strong><\/p>\n

    Daha \u00f6nce \u00d6zkaynak Y\u00f6netmeli\u011fi kapsam\u0131nda, \u00f6zkaynak hesaplamas\u0131na d\u00e2hil edilebilecek olan bor\u00e7lanma ara\u00e7lar\u0131na ili\u015fkin \u015fartlar belirlenmi\u015f; ancak bor\u00e7lanma ara\u00e7lar\u0131n\u0131n kay\u0131tlardan silinmesi, de\u011fer azalt\u0131m\u0131na tabi tutulmas\u0131 veya hisse senedine d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi hususlar\u0131n\u0131n ise ayr\u0131ca d\u00fczenlenece\u011fi belirtilmi\u015fti. Tebli\u011f ile bu hususlara ili\u015fkin usul ve esaslar d\u00fczenlendi.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (\u201cBDDK\u201d) taraf\u0131ndan haz\u0131rlanan Bankalarca \u00d6zkaynak Hesaplamas\u0131na D\u00e2hil Edilebilecek Bor\u00e7lanma Ara\u00e7lar\u0131na \u0130li\u015fkin Esaslar Hakk\u0131nda […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-14609","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"\nBor\u00e7lanma Ara\u00e7lar\u0131n\u0131n Bankalar\u0131n \u00d6zsermaye Hesaplanmas\u0131na D\u00e2hil Edilmesine \u0130li\u015fkin Yeni D\u00fczenleme<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu 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