{"id":3863,"date":"2021-06-27T17:05:35","date_gmt":"2021-06-27T14:05:35","guid":{"rendered":"http:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/"},"modified":"2021-06-27T17:05:35","modified_gmt":"2021-06-27T14:05:35","slug":"aralik-2017-bankacilik-sektoru-degerlendirmesi","status":"publish","type":"post","link":"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/","title":{"rendered":"Aral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi"},"content":{"rendered":"

Aral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi<\/strong><\/p>\n

Sekt\u00f6r 359 milyar TL \u00f6zkaynakla, ortalama y\u00fczde 14,7 karl\u0131l\u0131k elde etti.<\/p>\n

Performans\u0131 etkileyen ba\u015fl\u0131ca geli\u015fmeler:<\/strong><\/p>\n

Bankac\u0131l\u0131kla ilgili d\u00fczenlemelerde uluslararas\u0131 d\u00fczenlemelere uyumu ama\u00e7layan de\u011fi\u015fiklikler sermaye yeterlili\u011fini, bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmet talebini,<\/p>\n

B\u00fcy\u00fcmeyi destekleyen d\u00fczenleme ve uygulamalar kredi talebini,<\/p>\n

Hazine garantili ve KGF kefaleti ile kulland\u0131r\u0131lan krediler kredi arz\u0131n\u0131, olumlu y\u00f6nde etkilemi\u015ftir.<\/p>\n

Kamu kesiminin kaynak talebi artm\u0131\u015ft\u0131r.<\/p>\n

Enflasyon hedefin \u00fczerinde kalm\u0131\u015ft\u0131r.<\/p>\n

TL\u2019nin ba\u015fl\u0131ca yabanc\u0131 paralar kar\u015f\u0131s\u0131ndaki de\u011feri dalgal\u0131 bir seyir izlemi\u015ftir. Yurtd\u0131\u015f\u0131nda faiz oranlar\u0131 y\u00fckselmi\u015ftir.<\/p>\n

B\u00fcy\u00fcme ve aktif toplam\u0131<\/strong>: Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu verilerine g\u00f6re, 2017 y\u0131l\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fc toplam aktifleri bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 19 artarak 3,3 trilyon TL (864 milyar dolar) olmu\u015ftur.<\/p>\n

Se\u00e7ilmi\u015f Bilan\u00e7o Kalemleri<\/strong><\/p>\n\n\n\n\n\n\n\n\n
<\/td>\nMilyar TL<\/td>\nPay<\/p>\n

(y\u00fczde)<\/td>\n

<\/td>\nMilyar TL<\/td>\nPay<\/p>\n

(y\u00fczde)<\/td>\n<\/tr>\n

Krediler<\/td>\n2.112<\/td>\n65<\/td>\nMevduat<\/td>\n1.711<\/td>\n53<\/td>\n<\/tr>\n
Menkul k\u0131ymetler<\/td>\n402<\/td>\n12<\/td>\n\u00d6zkaynaklar<\/td>\n359<\/td>\n11<\/td>\n<\/tr>\n
Likit de\u011ferler<\/td>\n488<\/td>\n15<\/td>\nMev. d\u0131\u015f\u0131 kaynak.\u00a0(i)\u00a0<\/span><\/td>\n960<\/td>\n28<\/td>\n<\/tr>\n
Di\u011fer aktifler<\/td>\n256<\/td>\n8<\/td>\nDi\u011fer pasifler<\/td>\n228<\/td>\n7<\/td>\n<\/tr>\n
Aktifler<\/td>\n3.258<\/td>\n100<\/td>\nPasifler<\/td>\n3.258<\/td>\n100<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Krediler<\/strong>: Toplam krediler y\u00fczde 21, sabit fiyatlarla ise y\u00fczde 8 oran\u0131nda b\u00fcy\u00fcyerek 2,1 trilyon TL (560 milyar dolar) olmu\u015ftur. 2017 y\u0131l\u0131nda TL krediler\u00a0283 milyar TL artm\u0131\u015ft\u0131r.<\/p>\n

Kurumsal krediler 2017 y\u0131l\u0131nda y\u00fczde 22 b\u00fcy\u00fcyerek 1,6 trilyon TL olurken, KOB\u0130 kredilerindeki art\u0131\u015f y\u00fczde 22, bireysel kredilerdeki art\u0131\u015f ise y\u00fczde 16 seviyesinde ger\u00e7ekle\u015fmi\u015ftir. Toplam krediler i\u00e7inde KOB\u0130 kredilerinin pay\u0131 y\u00fczde 24, bireysel kredilerin pay\u0131 ise y\u00fczde 25 olmu\u015ftur.<\/p>\n

Kaynaklar ve Kullan\u0131mlar (2017, y\u0131ll\u0131k de\u011fi\u015fme)<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n
<\/td>\nTL (Milyar TL)<\/td>\nYP (Milyar dolar)<\/td>\n<\/tr>\n
Kullan\u0131mlar<\/td>\n<\/tr>\n
Menkul de\u011ferler<\/td>\n39<\/td>\n1<\/td>\n<\/tr>\n
Krediler<\/td>\n283<\/td>\n10<\/td>\n<\/tr>\n
Kaynaklar<\/td>\n<\/tr>\n
Mevduatlar<\/td>\n109<\/td>\n28<\/td>\n<\/tr>\n
Mevduat d\u0131\u015f\u0131 kaynaklar<\/td>\n49<\/td>\n21<\/td>\n<\/tr>\n
\u00d6zkaynaklar<\/td>\n54<\/td>\n1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Takipteki krediler<\/strong>: Takipteki alacaklar\/kredi oran\u0131 2017 y\u0131l\u0131nda bir \u00f6nceki y\u0131la g\u00f6re 0,3 puan azalarak y\u00fczde 3\u2019e gerilemi\u015ftir.<\/p>\n

Mevduat<\/strong>: Toplam mevduat y\u00fczde 18 oran\u0131nda artarak 1,71 trilyon TL\u2019ye ula\u015fm\u0131\u015f (454 milyar dolar), sabit fiyatlarla art\u0131\u015f y\u00fczde 5 olmu\u015ftur. Toplam kaynaklar\u0131n y\u00fczde 53\u2019l\u00fck b\u00f6l\u00fcm\u00fcn\u00fc mevduat olu\u015fturmu\u015ftur.<\/p>\n

Kredi\/mevduat oran\u0131 3 puan artarak, y\u00fczde 123 d\u00fczeyine y\u00fckselmi\u015ftir.<\/p>\n

Mevduat d\u0131\u015f\u0131 kaynak<\/strong>: Y\u00fczde 21 artan mevduat d\u0131\u015f\u0131 kaynaklar Aral\u0131k 2017 itibariyle 960 milyar TL (254 milyar dolar) olmu\u015ftur.<\/p>\n

\u00d6zkaynaklar<\/strong>: \u00d6zkaynaklar y\u00fczde 20 artarak 359 milyar TL (95 milyar dolar) olmu\u015ftur. Karlar\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn bilan\u00e7o i\u00e7inde tutularak \u00f6zkaynaklara ilave edilmesi \u00f6zkaynak b\u00fcy\u00fcmesini desteklemi\u015ftir.<\/p>\n

Ortalama \u00d6zkaynak Karl\u0131l\u0131\u011f\u0131 (y\u00fczde)<\/strong><\/p>\n

\n

\u00d6zkaynaklardaki art\u0131\u015f\u0131n 30,7 milyar TL\u2019si (y\u00fczde 52\u2019si) ge\u00e7mi\u015f y\u0131l karlar\u0131ndan; 11,6 milyar TL\u2019s\u0131 (y\u00fczde 20\u2019si) ise cari y\u0131l kar\u0131ndan gelmi\u015ftir. B\u00f6ylece toplam \u00f6zkaynak art\u0131\u015f\u0131n\u0131n y\u00fczde 72\u2019si, \u00f6zkaynaklara ilave edilen ge\u00e7mi\u015f y\u0131l karlar\u0131ndan ve cari y\u0131l kar\u0131ndan gelmi\u015ftir. Bu sayede b\u00fcy\u00fcmenin finansman\u0131nda kredilerde art\u0131\u015f s\u00fcrd\u00fcr\u00fclebilmi\u015ftir<\/p>\n

Toplam \u00d6zkaynaklar (Milyar dolar)<\/strong><\/p>\n

\n

Kredilerdeki h\u0131zl\u0131 b\u00fcy\u00fcmenin de etkisiyle ortalama \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 1,5 puan artarak y\u00fczde 14,7 oran\u0131nda ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n

Ortalama \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 (ii) bir \u00f6nceki y\u0131la g\u00f6re 1,5 puan artarak y\u00fczde 14,7 olmu\u015ftur.<\/p>\n

<\/i><\/span><\/div>\n

(i)\u00a0 Sermaye benzeri krediler dahildir.<\/p>\n

(ii) Ortalama \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 = (12 Ayl\u0131k Kar) \/ (12 ayl\u0131k \u00f6zkaynak ortalamas\u0131)<\/p>\n

Kaynak: TBB<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Aral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi Sekt\u00f6r 359 milyar TL \u00f6zkaynakla, ortalama y\u00fczde 14,7 karl\u0131l\u0131k elde etti. Performans\u0131 etkileyen ba\u015fl\u0131ca geli\u015fmeler: Bankac\u0131l\u0131kla ilgili d\u00fczenlemelerde uluslararas\u0131 d\u00fczenlemelere uyumu ama\u00e7layan de\u011fi\u015fiklikler sermaye yeterlili\u011fini, bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmet talebini, B\u00fcy\u00fcmeyi destekleyen d\u00fczenleme ve uygulamalar kredi talebini, Hazine garantili ve KGF kefaleti ile kulland\u0131r\u0131lan krediler kredi arz\u0131n\u0131, olumlu y\u00f6nde etkilemi\u015ftir.…<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"\nAral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi - Ba\u015fta\u015f Dan\u0131\u015fmanl\u0131k<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi - Ba\u015fta\u015f Dan\u0131\u015fmanl\u0131k\" \/>\n<meta property=\"og:description\" content=\"Aral\u0131k 2017 Bankac\u0131l\u0131k Sekt\u00f6r\u00fc De\u011ferlendirmesi Sekt\u00f6r 359 milyar TL \u00f6zkaynakla, ortalama y\u00fczde 14,7 karl\u0131l\u0131k elde etti. Performans\u0131 etkileyen ba\u015fl\u0131ca geli\u015fmeler: Bankac\u0131l\u0131kla ilgili d\u00fczenlemelerde uluslararas\u0131 d\u00fczenlemelere uyumu ama\u00e7layan de\u011fi\u015fiklikler sermaye yeterlili\u011fini, bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmet talebini, B\u00fcy\u00fcmeyi destekleyen d\u00fczenleme ve uygulamalar kredi talebini, Hazine garantili ve KGF kefaleti ile kulland\u0131r\u0131lan krediler kredi arz\u0131n\u0131, olumlu y\u00f6nde etkilemi\u015ftir.…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/\" \/>\n<meta property=\"og:site_name\" content=\"Ba\u015fta\u015f Dan\u0131\u015fmanl\u0131k\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-27T14:05:35+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/#website\",\"url\":\"https:\/\/www.bastasdanismanlik.com.tr\/\",\"name\":\"Ba\\u015fta\\u015f Dan\\u0131\\u015fmanl\\u0131k\",\"description\":\"E\\u011fitim & Dan\\u0131\\u015fmanl\\u0131k\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.bastasdanismanlik.com.tr\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/#webpage\",\"url\":\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/\",\"name\":\"Aral\\u0131k 2017 Bankac\\u0131l\\u0131k Sekt\\u00f6r\\u00fc De\\u011ferlendirmesi - Ba\\u015fta\\u015f Dan\\u0131\\u015fmanl\\u0131k\",\"isPartOf\":{\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/#website\"},\"datePublished\":\"2021-06-27T14:05:35+00:00\",\"dateModified\":\"2021-06-27T14:05:35+00:00\",\"author\":{\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/#\/schema\/person\/d7e4ce2fe1ac850ce8aacaaddae312ef\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/2021\/06\/yayinlarimiz\/haber\/aralik-2017-bankacilik-sektoru-degerlendirmesi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Anasayfa\",\"item\":\"https:\/\/www.bastasdanismanlik.com.tr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Aral\\u0131k 2017 Bankac\\u0131l\\u0131k Sekt\\u00f6r\\u00fc De\\u011ferlendirmesi\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/#\/schema\/person\/d7e4ce2fe1ac850ce8aacaaddae312ef\",\"name\":\"Selin Kepceler\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.bastasdanismanlik.com.tr\/#personlogo\",\"inLanguage\":\"tr\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/84c6600299aec711ae9181b605367c12?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/84c6600299aec711ae9181b605367c12?s=96&d=mm&r=g\",\"caption\":\"Selin Kepceler\"},\"url\":\"https:\/\/www.bastasdanismanlik.com.tr\/author\/selin-kepceler\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/posts\/3863"}],"collection":[{"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/comments?post=3863"}],"version-history":[{"count":0,"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/posts\/3863\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/media?parent=3863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/categories?post=3863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bastasdanismanlik.com.tr\/wp-json\/wp\/v2\/tags?post=3863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}