{"id":14692,"date":"2019-09-20T09:15:53","date_gmt":"2019-09-20T09:15:53","guid":{"rendered":"http:\/\/upt.esin.av.tr\/2019\/09\/20\/ddkdan-bankalara-81-milyar-dolarlik-donuk-alacak-uyarisi\/"},"modified":"2022-06-09T12:36:12","modified_gmt":"2022-06-09T12:36:12","slug":"ddkdan-bankalara-81-milyar-dolarlik-donuk-alacak-uyarisi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/09\/20\/ddkdan-bankalara-81-milyar-dolarlik-donuk-alacak-uyarisi\/","title":{"rendered":"DDK&#8217;dan Bankalara 8,1 Milyar Dolarl\u0131k Donuk Alacak Uyar\u0131s\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;) g\u00fcncel mali b\u00fcnye de\u011ferlendirmesini ve ihtiyatl\u0131 etki analizleri sonucunu 17 Eyl\u00fcl 2019 tarihli bas\u0131n a\u00e7\u0131klamas\u0131yla duyurdu.<\/p>\n<p><strong>K\u0131saca Sekt\u00f6r De\u011ferlendirmesi<\/strong><\/p>\n<ul>\n<li>BDDK mali b\u00fcnye de\u011ferlendirme \u00e7al\u0131\u015fmas\u0131 neticesinde, bankac\u0131l\u0131k sekt\u00f6r\u00fcnde takip hesaplar\u0131na aktar\u0131lmas\u0131 gereken toplam 46 milyar T\u00fcrk Liras\u0131 b\u00fcy\u00fckl\u00fc\u011f\u00fcnde kredi tespit etti. Bu kredilerin b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fc enerji ve in\u015faat sekt\u00f6rlerine ait.\u00a0Bu kapsamda, BDDK&#8217;n\u0131n uyard\u0131\u011f\u0131 bankalar\u0131n, 2019 sonuna kadar s\u00f6z konusu krediler i\u00e7in s\u0131n\u0131flama de\u011fi\u015fikli\u011fini yapmas\u0131 ve beklenen kredi zarar kar\u015f\u0131l\u0131klar\u0131n\u0131 ay\u0131rmas\u0131 gerekecek.<\/li>\n<li>BDDK ayr\u0131ca sekt\u00f6r\u00fcn sermaye yeterlilik rasyosunun %18,2&#8217;den %17,7&#8217;ye d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc, takibe d\u00f6n\u00fc\u015f\u00fcm oran\u0131n\u0131n ise %4,6&#8217;dan %6,3&#8217;e y\u00fckseldi\u011fini belirtti.<\/li>\n<li>BDDK son olarak, son bir y\u0131l i\u00e7erisinde bankac\u0131l\u0131k sekt\u00f6r\u00fcnde kardan gelen katk\u0131 hari\u00e7 nakdi, ilave ana sermaye ve katk\u0131 sermaye unsurlar\u0131nda toplam 49 milyar T\u00fcrk Liras\u0131 tutar\u0131nda art\u0131\u015f ya\u015fand\u0131\u011f\u0131n\u0131 belirtti.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>BDDK&#8217;n\u0131n analizi sonucu, takip hesaplar\u0131na aktar\u0131lmas\u0131 gereken y\u00fcksek miktarda krediye ra\u011fmen bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn g\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131n\u0131 korudu\u011funa i\u015faret ediyor.<\/p>\n<p>Basel III kriterlerine g\u00f6re sermaye yeterlili\u011finin en az %8 olmas\u0131 gerekirken, BDDK bu oran\u0131 T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in bir s\u00fcredir %12 olarak uyguluyordu. Ger\u00e7ek oran, %17,7 ile bunun bile bir hayli \u00fczerinde seyrediyor.<\/p>\n<p>Donuk alacak yazma i\u015fleminin, bilan\u00e7olar\u0131n yeni sermaye katk\u0131s\u0131 olmadan temizlenebilmesi sebebiyle, ilgili bankalar\u0131n kredi i\u015flemlerini h\u0131zland\u0131raca\u011f\u0131 bekleniyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu (&#8220;BDDK&#8220;) g\u00fcncel mali b\u00fcnye de\u011ferlendirmesini ve ihtiyatl\u0131 etki analizleri sonucunu 17 Eyl\u00fcl 2019 [&hellip;]<\/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-14692","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DDK&#039;dan Bankalara 8,1 Milyar Dolarl\u0131k Donuk Alacak Uyar\u0131s\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu (&quot;BDDK&quot;) g\u00fcncel mali b\u00fcnye de\u011ferlendirmesini ve ihtiyatl\u0131 etki analizleri sonucunu 17 Eyl\u00fcl 2019\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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