{"id":15023,"date":"2020-03-24T10:36:03","date_gmt":"2020-03-24T10:36:03","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=15023"},"modified":"2022-06-09T12:45:21","modified_gmt":"2022-06-09T12:45:21","slug":"banking-sector-takes-additional-covid-19-measures","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/03\/24\/banking-sector-takes-additional-covid-19-measures\/","title":{"rendered":"Bankac\u0131l\u0131k Sekt\u00f6r\u00fcnde Ek COVID-19 Tedbirleri"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;), 17 Mart 2020 tarihinde ald\u0131\u011f\u0131 kararla kredi temerr\u00fctlerine ili\u015fkin \u00e7e\u015fitli esneklikler sa\u011flam\u0131\u015ft\u0131. <u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=RVVINmNKdng0ZFUybldaTUlSNUpjNCt4dXd4OTF4ZFIraE9rUGdvNzRucFdnNmhoWEwycE1SS2J1NmVPMzkxT2NUMEoyMFBxZEpkR3M1cDlTKzZKNmJxVmRqZ0ZuQ3B1T3Z0RzBNUUd4c01yVjZOaWZXSzcxNGM0bUNGSmJrRzg1aUdzK2dPNjdNL2RnbGYzelFmbGI5Wk85Vk5TZ01iNA==&amp;rh=ff005ce831833fa69a64144fde4880cf438df9b1__;!!Hj9Y_P0nvg!GGt6QdYFkd2VewH479vvplfgX7_Txz4nBgKnSjHvC9aCflgSXIfMSRLP-AKdgWUo58s3pw$\">18 Mart 2020 tarihli b\u00fcltenimizde<\/a><\/u> bu \u00f6nlemleri \u00f6zetlemi\u015ftik.<\/p>\n<p>BDDK bu kez 19 Mart 2020 tarihli, 8949 ve 8950 say\u0131l\u0131 kararlar\u0131yla COVID-19 salg\u0131n\u0131 ile ald\u0131\u011f\u0131 \u00f6nlemlere yenilerini ekledi. Ayr\u0131ca T\u00fcrkiye Bankalar Birli\u011fi (&#8220;<strong>TBB<\/strong>&#8220;) de bu s\u00fcre\u00e7te bankalar\u0131n faaliyetlerine ili\u015fkin olarak tavsiye niteli\u011finde baz\u0131 kararlar ald\u0131.<\/p>\n<p><strong>BDDK&#8217;n\u0131n Ald\u0131\u011f\u0131 Tedbirler<\/strong><\/p>\n<ul>\n<li>Finansal kurulu\u015flar\u0131n \u00f6zel kar\u015f\u0131l\u0131k ay\u0131rmas\u0131 i\u00e7in \u00f6ng\u00f6r\u00fclen 90 g\u00fcnl\u00fck temerr\u00fct s\u00fcresi, faktoring ve finansman \u015firketleri i\u00e7in 180 g\u00fcne, finansal kiralama \u015firketleri i\u00e7in 240 g\u00fcne \u00e7\u0131kar\u0131ld\u0131.<\/li>\n<li>Finansman \u015firketlerinin konut kredisi d\u0131\u015f\u0131ndaki t\u00fcketici kredileriyle ilgili genel kar\u015f\u0131l\u0131k ay\u0131rmas\u0131 i\u00e7in \u00f6ng\u00f6r\u00fclen 90 g\u00fcnl\u00fck temerr\u00fct s\u00fcresi 180 g\u00fcne \u00e7\u0131kar\u0131ld\u0131.<\/li>\n<li>Yukar\u0131daki \u00f6nlemler 31 Aral\u0131k 2020&#8217;ye kadar ge\u00e7erli olup, TFRS 9 kapsam\u0131nda beklenen kredi zarar\u0131 ay\u0131ran \u015firketleri ve 19 Mart 2020 tarihi itibariyle hen\u00fcz &#8220;tasfiye olunacak alacaklar&#8221; hesab\u0131nda izlenmeyen alacaklar\u0131 da kapsayacak.<\/li>\n<li>Finansal kurulu\u015flar, 90 g\u00fcnl\u00fck temerr\u00fcde ra\u011fmen &#8220;tasfiye olunacak alacaklar&#8221; hesab\u0131na aktarmad\u0131klar\u0131 alacaklar i\u00e7in, kendi risk modellerine g\u00f6re kar\u015f\u0131l\u0131k ay\u0131rmaya devam edecek.<\/li>\n<li>De\u011feri 500.000 TL ve alt\u0131ndaki konutlar i\u00e7in kulland\u0131r\u0131lacak krediler ile konut teminatl\u0131 kredilerde, kredi tutar\u0131n\u0131n konut de\u011ferine oran\u0131 %80\u2019den %90\u2019a \u00e7\u0131kar\u0131ld\u0131.<\/li>\n<\/ul>\n<p><strong>TBB&#8217;nin Ald\u0131\u011f\u0131 Tavsiye Kararlar\u0131<\/strong><\/p>\n<p>TBB&#8217;nin ald\u0131\u011f\u0131 tavsiye karar\u0131 uyar\u0131nca bankalar, takdiri kendilerinde olmak \u00fczere:<\/p>\n<ul>\n<li>M\u00fc\u015fterilerini bilgilendirmek \u015fart\u0131yla, \u00e7al\u0131\u015fma ve m\u00fc\u015fteri kabul saatlerini esnek olarak belirleyebilecek.<\/li>\n<li>Yak\u0131n temas\u0131n ve kalabal\u0131\u011f\u0131n \u00f6nlenmesi i\u00e7in gerekli tedbirleri alabilecek.<\/li>\n<li>Y\u00fcksek riskli ve kalabal\u0131k alanlardaki \u015fubelerini hizmet d\u0131\u015f\u0131 tutabilecek.<\/li>\n<\/ul>\n<p>Yukar\u0131dakilere ek olarak TBB, (i) bankalar\u0131n dijital ortamda sunduklar\u0131 hizmetleri kesintisiz bir \u015fekilde sunmaya devam etmesini ve (ii) m\u00fc\u015fterilerine do\u011frudan hizmet veren \u015fubeleri ve hizmet birimlerinin \u00e7al\u0131\u015fma saatleri ile m\u00fc\u015fteri kabul saatlerini 12:00-17:00 olarak belirlemelerini \u00f6nerdi.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>BDDK, kredi temerr\u00fctleri ve finansman ko\u015fullar\u0131n\u0131 g\u00fcncelleyerek, COVID-19 nedeniyle ekonomik ve ticari faaliyetlerde olu\u015fmas\u0131 beklenen olumsuzluklar\u0131 hafifletmeyi ama\u00e7lamaktayken, TBB ise COVID-19&#8217;un yay\u0131lmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek i\u00e7in daha az etkile\u015fimin oldu\u011fu bir bankac\u0131l\u0131k ortam\u0131 hedeflemektedir.<\/p>\n<p>COVID-19&#8217;un finans sekt\u00f6r\u00fc ve di\u011fer sekt\u00f6rlere hukuki etkilerine y\u00f6nelik mevzuat b\u00fcltenlerimize <u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=RVVINmNKdng0ZFUybldaTUlSNUpjNCt4dXd4OTF4ZFIraE9rUGdvNzRucFdnNmhoWEwycE1SS2J1NmVPMzkxT2NUMEoyMFBxZEpjajlHczVjdkhSRXA5Q3JsM0VXbFZa&amp;rh=ff005ce831833fa69a64144fde4880cf438df9b1__;!!Hj9Y_P0nvg!GGt6QdYFkd2VewH479vvplfgX7_Txz4nBgKnSjHvC9aCflgSXIfMSRLP-AKdgWVejaYnAQ$\">https:\/\/www.esin.av.tr\/tr\/coronavirus-desk\/<\/a><\/u> adresinden ula\u015fabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;BDDK&#8220;), 17 Mart 2020 tarihinde ald\u0131\u011f\u0131 kararla kredi temerr\u00fctlerine ili\u015fkin \u00e7e\u015fitli esneklikler sa\u011flam\u0131\u015ft\u0131. [&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":[120,149],"tags":[90],"class_list":["post-15023","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","category-covid-19-tr","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>Bankac\u0131l\u0131k Sekt\u00f6r\u00fcnde Ek COVID-19 Tedbirleri<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&quot;BDDK&quot;), 17 Mart 2020 tarihinde ald\u0131\u011f\u0131 kararla kredi temerr\u00fctlerine ili\u015fkin \u00e7e\u015fitli esneklikler\" \/>\n<meta name=\"robots\" content=\"index, follow, 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