{"id":16222,"date":"2020-05-05T13:25:19","date_gmt":"2020-05-05T13:25:19","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=16222"},"modified":"2022-06-09T13:00:40","modified_gmt":"2022-06-09T13:00:40","slug":"covid-19-aktif-rasyosu-hesaplamasi-netlestirildi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/05\/05\/covid-19-aktif-rasyosu-hesaplamasi-netlestirildi\/","title":{"rendered":"COVID-19: Aktif Rasyosu Hesaplamas\u0131 Netle\u015ftirildi"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>Kurum<\/strong>&#8220;), 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 (&#8220;<strong>\u0130lk Karar<\/strong>&#8220;) ile banlara aktif rasyosu hesaplanma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc getirilmi\u015fti. \u0130lk Karar&#8217;a ili\u015fkin esaslara, <strong><u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=azBJQUxLWklvS2Z3TE0xc0tDNnk1dVZXV3E2K1k0KzhpL21pamxpY1BkNVBLNHBwOGxrckVhVy9aT1poY0V5UXU1aCt4TmlHczBObEZvYVllODFZUTFCNTV4MWh0TnlyV3MzRS9nU21iaFA4UzFIVTA4cCtlWWlzTHkvaFRQN2FTOEJQRWdsS0JORnFKbnJndkZVcTM0bGdJdUhvSnVUQQ==&amp;rh=ff00606a182c4c1c6d52bde3c842ad9ecf8aedb0__;!!Hj9Y_P0nvg!FPTGwiPN8Dsx6088wuIFkMDGojyIRtyVNTfzGmtxycRG2zpkMZwIimt311ItRFp5KulUxA$\">21 Nisan 2020 tarihli Hukuk B\u00fcltenimizde<\/a><\/u><\/strong> de\u011finmi\u015ftik. BDDK, 30 Nisan 2020 tarih ve 9003 say\u0131l\u0131 karar\u0131 (&#8220;<strong>Karar<\/strong>&#8220;) ile aktif rasyonun hesaplanma unsurlar\u0131n\u0131 netle\u015ftirdi.<\/p>\n<p><strong>Karar Ne Getiriyor?<\/strong><\/p>\n<ul>\n<li>BDDK, \u0130lk Karar uyar\u0131nca bankalar\u0131n, AR&#8217;lar\u0131n\u0131 haftal\u0131k bazda a\u015fa\u011f\u0131daki form\u00fcle g\u00f6re hesaplayaca\u011f\u0131n\u0131 duyurmu\u015ftu:<\/li>\n<\/ul>\n<p>Aktif Rasyosu (AR) = [Krediler + (Menkul K\u0131ymetler x 0,75 ) + ( TCMB Swap x 0,5 )] \/ [TL Mevduat + ( Yabanc\u0131 Para Mevduat x 1,25 )]<\/p>\n<ul>\n<li>Karar uyar\u0131nca AR, solo bazda hesaplanacak ve Kalk\u0131nma ve Yat\u0131r\u0131m Bankalar\u0131 ile Tasarruf Mevduat\u0131 Sigorta Fonu b\u00fcnyesindeki bankalar bu d\u00fczenlemeden muaf olacak.<\/li>\n<li>Bankalar mevduat\u0131 hari\u00e7, TL ve yabanc\u0131 para mevduat\u0131 toplam\u0131 31 Mart 2020 tarihinde BDDK&#8217;ya yap\u0131lan raporlama uyar\u0131nca 5 milyar TL&#8217;nin alt\u0131nda olan bankalara 31 Aral\u0131k 2020 tarihine kadar bu d\u00fczenlemeye uyum sa\u011flamalar\u0131 i\u00e7in s\u00fcre tan\u0131nacak.<\/li>\n<li>AR&#8217;nin pay ve payda k\u0131sm\u0131nda yer verilen t\u00fcm yabanc\u0131 para kalemlerin TL&#8217;ye \u00e7evriminde, rasyo hesaplama tarihlerindeki T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;) d\u00f6viz al\u0131\u015f kuru esas al\u0131nacak.<\/li>\n<li>AR&#8217;nin pay ve payda k\u0131sm\u0131nda yer verilen kalemlere, bu kalemlere ili\u015fkin reeskont ve tahakkuk bakiyeleri dahil olmayacak.<\/li>\n<li>AR&#8217;nin payda k\u0131sm\u0131nda yer verilen &#8220;TL Mevduat&#8221; ve &#8220;Yabanc\u0131 Para Mevduat&#8221; kalemlerine yurt i\u00e7i ve yurt d\u0131\u015f\u0131 bankalar mevduat\u0131 d\u00e2hil olmayacak.<\/li>\n<li>Yurt d\u0131\u015f\u0131 merkez ve \u015fubelerden olan yabanc\u0131 para bor\u00e7lanma i\u015flemleri rasyo hesaplamas\u0131na d\u00e2hil edilmeyecek.<\/li>\n<li>Mevduat i\u00e7in TCMB nezdinde tutulmas\u0131 gereken zorunlu kar\u015f\u0131l\u0131klar\u0131n ya da m\u00fc\u015fterilerin nakit ihtiya\u00e7lar\u0131 istinaden bankalar\u0131n kasa bakiyelerinde ihtiyaten tutulan likidite, AR&#8217;nin payda k\u0131sm\u0131ndan d\u00fc\u015f\u00fclmeyecek veya pay k\u0131sm\u0131na eklenmeyecek.<\/li>\n<li>Mevduat blokajl\u0131 kulland\u0131r\u0131lan krediler ve mevduat tutarlar\u0131, rasyonun pay ve payda k\u0131s\u0131mlar\u0131nda hesaplamaya d\u00e2hil edilmeyecek.<\/li>\n<li>AR&#8217;nin pay k\u0131sm\u0131nda verilen &#8220;Krediler&#8221; kalemine a\u015fa\u011f\u0131dakiler d\u00e2hil edilmeyecek:\n<ul>\n<li>Takipteki alacaklar<\/li>\n<li>Gayrinakdi krediler<\/li>\n<li>Bankalara kulland\u0131r\u0131lan krediler<\/li>\n<li>6361 say\u0131l\u0131 Kanuna tabi faktoring ve finansman \u015firketlerine kulland\u0131r\u0131lan krediler<\/li>\n<li>Yurt d\u0131\u015f\u0131 yerle\u015fiklere kulland\u0131r\u0131lan krediler<\/li>\n<\/ul>\n<\/li>\n<li>Karar uyar\u0131nca, &#8220;Krediler&#8221; kalemine finansal kiralama \u015firketlerine kulland\u0131r\u0131lan krediler ve kat\u0131l\u0131m bankalar\u0131 i\u00e7in finansal kiralama alacaklar\u0131 d\u00e2hil edilecek.<\/li>\n<li>AR&#8217;nin pay k\u0131sm\u0131na yurt i\u00e7i ve\/veya yurt d\u0131\u015f\u0131 bankalardan olan alacaklar ve ters repo i\u015flemleri d\u00e2hil edilmeyecek.<\/li>\n<li>AR&#8217;nin pay k\u0131sm\u0131nda verilen &#8220;Menkul K\u0131ymetler&#8221; kalemine a\u015fa\u011f\u0131dakiler d\u00e2hil edilmeyecek:\n<ul>\n<li>Yurt i\u00e7i veya yurt d\u0131\u015f\u0131 fark etmeksizin t\u00fcm hisse senetleri<\/li>\n<li>T\u00fcm yat\u0131r\u0131m fonlar\u0131<\/li>\n<li>Bankalar\u0131n ihra\u00e7 etti\u011fi menkul k\u0131ymetler<\/li>\n<li>6361 say\u0131l\u0131 Kanun tabi faktoring ve finansman \u015firketlerinin ihra\u00e7 etti\u011fi menkul k\u0131ymetler<\/li>\n<\/ul>\n<\/li>\n<li>&#8220;Menkul K\u0131ymetler&#8221; kalemine finansal kiralama \u015firketlerinin ihra\u00e7 etti\u011fi menkul k\u0131ymetler ve \u00f6zel sekt\u00f6r\u00fcn ihra\u00e7 etti\u011fi kira sertifikalar\u0131 d\u00e2hil edilecek.<\/li>\n<li>&#8220;Menkul K\u0131ymetler&#8221; kalemi hesaplan\u0131rken bu kalem alt\u0131ndaki varl\u0131klar\u0131n bilan\u00e7o de\u011feri esas al\u0131nacak.<\/li>\n<li>AR&#8217;nin pay k\u0131sm\u0131nda yer verilen &#8220;TCMB Swap&#8221; kalemine a\u015fa\u011f\u0131dakiler d\u00e2hil edilecek:\n<ul>\n<li>TCMB ile yap\u0131lan bankalar\u0131n alt\u0131n verip TL ald\u0131\u011f\u0131 swap i\u015flemleri<\/li>\n<li>Borsa \u0130stanbul d\u00f6viz swap piyasas\u0131nda, bankalar\u0131n d\u00f6viz verip TL ald\u0131\u011f\u0131 ve kar\u015f\u0131 taraf\u0131 TCMB olan d\u00f6viz swap i\u015flemleri<\/li>\n<li>TCMB ile yap\u0131lan alt\u0131n ve d\u00f6viz depo i\u015flemleri<\/li>\n<\/ul>\n<\/li>\n<li>&#8220;TCMB Swap&#8221; kalemine, TCMB ile yap\u0131lan bankalar\u0131n alt\u0131n verip d\u00f6viz ald\u0131\u011f\u0131 swap i\u015flemleri, i\u015flem tarihi itibariyle de\u011fil val\u00f6r tarihi itibar\u0131yla dikkate al\u0131nacak.<\/li>\n<li>TCMB ile yap\u0131lan alt\u0131n ve d\u00f6viz depo i\u015flemleri haricindeki di\u011fer para piyasas\u0131 i\u015flemleri, hesaplamada rasyonun pay k\u0131sm\u0131nda d\u00e2hil edilmeyecek.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>BDDK, bankalardan gelen sorular \u00fczerine, AR form\u00fcl\u00fc unsurlar\u0131n\u0131 netle\u015ftirdi. Bankalar\u0131n, AR&#8217;lar\u0131n\u0131 bu form\u00fcle g\u00f6re gereken d\u00f6nemlerde hesaplamas\u0131 gerekecek. Yeni getirilen AR y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc COVID-19 salg\u0131n\u0131n ekonomik etkilerini en aza indirmek amac\u0131yla reel sekt\u00f6re finansman kayna\u011f\u0131 sa\u011flanmas\u0131n\u0131 ama\u00e7l\u0131yor.<\/p>\n<p><strong>COVID-19 salg\u0131n\u0131 ile ilgili hukuki d\u00fczenlemelerle ilgili bilgilere <\/strong><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=ZE9tY0p0YUNLTmt4TkhVeXF4UFNPUkgwV2ZmSlhhY2JReVpjY0xNbldLYmFoVllNV25zRHUzZnVhd0dTQS9sWGZKSHM4a0Rqc3R4V2d2Ym1FcmJpNVFCbWtmU05kTU5j&amp;rh=ff005f13e061a310c0e56622ef41bd806c46eb5c__;!!Hj9Y_P0nvg!AsO5e9VQh8Zoqx5O5JiylnO7xIep-89L7TO3OWYTi_MUr391q6BB5z8Xdqj7jUAaxerrcw$\"><strong>Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131 Coronavir\u00fcs Masas\u0131<\/strong><\/a><strong>&#8216;ndan ula\u015fabilirsiniz.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;Kurum&#8220;), 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 (&#8220;\u0130lk Karar&#8220;) ile banlara [&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-16222","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>COVID-19: Aktif Rasyosu Hesaplamas\u0131 Netle\u015ftirildi<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&quot;Kurum&quot;), 18 Nisan 2020 tarihli ve 9000 say\u0131l\u0131 karar\u0131 (&quot;\u0130lk Karar&quot;) ile 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