BDDK, 2021 y\u0131l\u0131na ili\u015fkin Y\u0131ll\u0131k Faaliyet Raporu’nu yay\u0131mlad\u0131.<\/p>\n
Rapordaki sunu\u015f yaz\u0131s\u0131nda salg\u0131n\u0131n etkilerine de\u011finen Akben, “\u00d6ncelikle 2020 y\u0131l\u0131n\u0131n ilk aylar\u0131nda ba\u015flayan Kovid-19 pandemisinin neden oldu\u011fu ekonomik daralma ve bunu takip eden tedarik zinciri sorunlar\u0131 t\u00fcm d\u00fcnyay\u0131 oldu\u011fu gibi \u00fclkemizi de olumsuz \u015fekilde etkilemi\u015ftir. \u0130zleyen d\u00f6nemde pandeminin etkilerinin azalt\u0131lmas\u0131 i\u00e7in uygulanan geni\u015fletici politikalar\u0131n tetikledi\u011fi enflasyonist s\u00fcre\u00e7, k\u00fcresel \u00e7apta emtia ve enerji fiyatlar\u0131n\u0131n a\u015f\u0131r\u0131 \u015fekilde y\u00fckselmesine neden olmu\u015ftur. Enflasyon ile m\u00fccadele i\u00e7in geli\u015fmi\u015f \u00fclkelerce uygulanan s\u0131k\u0131 para politikalar\u0131 ise sermaye hareketlerine, \u00f6zellikle de geli\u015fmekte olan \u00fclkelerden sermaye \u00e7\u0131k\u0131\u015f\u0131na yol a\u00e7m\u0131\u015ft\u0131r. 2021 y\u0131l sonuna gelindi\u011finde s\u00f6z konusu k\u00fcresel ekonomik dalgalanmalar\u0131n \u00e7\u00f6z\u00fcm\u00fcne ili\u015fkin belirgin bir iyile\u015fme hen\u00fcz g\u00f6zlemlenmemi\u015ftir.” ifadelerini kulland\u0131.<\/p>\n
Akben, \u015funlar\u0131 kaydetti<\/p>\n
“2022 y\u0131l\u0131 \u015fubat ay\u0131nda Rusya\u2019n\u0131n Ukrayna\u2019ya kar\u015f\u0131 ba\u015flatm\u0131\u015f oldu\u011fu askeri harekat, k\u00fcresel tedarik zincirindeki sorunlar\u0131n ve enflasyonun yan\u0131 s\u0131ra politik gerilimlerin de ekonomi \u00fczerinde potansiyel olumsuz etkiler yaratmas\u0131na yol a\u00e7m\u0131\u015ft\u0131r. Ya\u015fanan geli\u015fmeler 2022 y\u0131l\u0131n\u0131n \u00fclkemiz ekonomisi ve finansal piyasalar\u0131 a\u00e7\u0131s\u0131ndan do\u011fabilecek risklere kar\u015f\u0131 temkinli ve proaktif olunmas\u0131 gerekti\u011fine i\u015faret etmektedir. K\u00fcresel risklerin giderek artt\u0131\u011f\u0131 bu s\u00fcre\u00e7te \u00fclkemiz ekonomisinin en \u00f6nemli g\u00fcvenlik \u00e7\u0131palar\u0131ndan birini bankac\u0131l\u0131k sekt\u00f6r\u00fc olu\u015fturmaktad\u0131r. Bankac\u0131l\u0131k sekt\u00f6r\u00fc, kredi piyasas\u0131n\u0131n etkin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131 ve reel sekt\u00f6r\u00fcn finansal ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131nda kritik bir rol oynamaktad\u0131r. Bu durum sekt\u00f6r\u00fcn finansal sa\u011flaml\u0131\u011f\u0131n\u0131n da \u00f6nemli bir g\u00f6stergesidir. T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ya\u015fanan uluslararas\u0131 dalgalanmalara ra\u011fmen 2021 y\u0131l\u0131nda y\u00fczde 51 oran\u0131nda artarak 9.215 milyar TL\u2019ye, 2021 y\u0131lsonu itibar\u0131yla sekt\u00f6r\u00fcn toplam mevduat ve kredi b\u00fcy\u00fckl\u00fc\u011f\u00fc 2020 y\u0131lsonuna g\u00f6re s\u0131ras\u0131yla y\u00fczde 53 ve y\u00fczde 37 oran\u0131nda artarak 5.303 milyar TL ve 4.901 milyar TL seviyelerine ula\u015fm\u0131\u015ft\u0131r. Sekt\u00f6r\u00fcn toplam aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn gayrisafi yurt i\u00e7i has\u0131laya oran\u0131 y\u00fczde 122\u2019den y\u00fczde 128\u2019e y\u00fckselmi\u015ftir. Bankalar\u0131n sermaye yeterlilik oran\u0131 y\u00fczde 18,39 olarak ger\u00e7ekle\u015fmi\u015f, net d\u00f6nem kar\u0131 ise bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 59 artarak 93 milyar TL\u2019ye ula\u015fm\u0131\u015ft\u0131r.”<\/p>\n
“Fintek ekosisteminin geli\u015fimi i\u00e7in \u00f6nemli bir d\u00f6n\u00fcm noktas\u0131”<\/b><\/p>\n
Dijital bankac\u0131l\u0131kla ilgili yap\u0131lan d\u00fczenlemelere de\u011finen Akben, “Sadece dijital kanallar \u00fczerinden hizmet veren \u015fubesiz bankalar\u0131n faaliyet esaslar\u0131n\u0131n ve bankac\u0131l\u0131k hizmetlerinin finansal teknoloji \u015firketleri ve di\u011fer i\u015fletmelere bir servis modeli olarak sunulabilmesine ili\u015fkin \u015fartlar\u0131n belirlenmesine y\u00f6nelik olarak haz\u0131rlanan Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik Resmi Gazete’de yay\u0131mlanm\u0131\u015ft\u0131r. 2022 y\u0131l\u0131 ba\u015f\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren Y\u00f6netmeli\u011fin \u015fube olmaks\u0131z\u0131n sadece dijital kanallar \u00fczerinden hizmet verecek dijital bankalar\u0131n hayata ge\u00e7mesine ve servis bankac\u0131l\u0131\u011f\u0131 yoluyla \u00e7ok farkl\u0131 inovatif i\u015f modellerine imkan sa\u011flayaca\u011f\u0131 ve \u00fclkemizin finans sekt\u00f6r\u00fc ve ‘fintek’ ekosisteminin geli\u015fimi i\u00e7in \u00f6nemli bir d\u00f6n\u00fcm noktas\u0131 olaca\u011f\u0131 de\u011ferlendirilmektedir.” yorumunu yapt\u0131.<\/p>\n
Akben, \u015funlar\u0131 aktard\u0131:<\/p>\n
“12 Mart 2021 tarihinde a\u00e7\u0131klanan Ekonomi Reform Paketi kapsam\u0131nda, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kredi tahsis ve izleme s\u00fcre\u00e7lerinin etkinli\u011finin art\u0131r\u0131lmas\u0131na y\u00f6nelik olarak haz\u0131rlanan Kredi Tahsis ve \u0130zleme S\u00fcre\u00e7lerine \u0130li\u015fkin Rehber ve bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn aktif kalitesinin art\u0131r\u0131lmas\u0131na y\u00f6nelik olarak haz\u0131rlanan Sorunlu Alacak \u00c7\u00f6z\u00fcmleme Rehberi 29 Haziran 2021 tarihinde yay\u0131mlanm\u0131\u015ft\u0131r. ‘Sorunlu Alacak \u00c7\u00f6z\u00fcmleme Rehberi’ne dayanak te\u015fkil eden ‘Bankalar\u0131n Kredi \u0130\u015flemleri Hakk\u0131nda Y\u00f6netmelik’te yap\u0131lan de\u011fi\u015fiklikle an\u0131lan Y\u00f6netmelikte belirlenen esaslar \u00e7er\u00e7evesinde bankalarca \u00e7\u00f6z\u00fcmleme birimleri kurulmas\u0131 ve sorunlu alacak \u00e7\u00f6z\u00fcmleme stratejisi ile operasyonel planlar\u0131n haz\u0131rlanmas\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc getirilmi\u015ftir. Ayr\u0131ca, 2021 y\u0131l\u0131 Temmuz ve A\u011fustos aylar\u0131nda D\u00fczce, Rize, Artvin, Bart\u0131n, Kastamonu ve Sinop illerinde meydana gelen sel felaketleri nedeniyle bu illerde yerle\u015fik ki\u015filer a\u00e7\u0131s\u0131ndan ge\u00e7ici s\u00fcreler i\u00e7in kredi vade s\u0131n\u0131rlar\u0131n\u0131n uygulanmamas\u0131na ve kredi kart\u0131 taksitlendirme s\u00fcrelerinin bir kata kadar art\u0131r\u0131lmas\u0131na imkan tan\u0131nm\u0131\u015ft\u0131r.”<\/p>\n
Akben, iklim de\u011fi\u015fikli\u011fi konusuna ili\u015fkin ise “2021 y\u0131l\u0131nda \u00fclkemizde s\u00fcrd\u00fcr\u00fclebilir bankac\u0131l\u0131\u011f\u0131n geli\u015ftirilmesi ve buna ili\u015fkin risk y\u00f6netim altyap\u0131s\u0131n\u0131n tesis edilmesi amac\u0131yla da \u00f6nemli ad\u0131mlar at\u0131lm\u0131\u015ft\u0131r. S\u00fcrd\u00fcr\u00fclebilir bankac\u0131l\u0131k alan\u0131nda yap\u0131lan \u00e7al\u0131\u015fmalarla Paris \u0130klim Anla\u015fmas\u0131 kapsam\u0131ndaki karbon emisyonu azalt\u0131m hedeflerine ula\u015f\u0131lmas\u0131 ve AB Ye\u015fil Mutabakat\u0131n\u0131n yarataca\u011f\u0131 ko\u015fullara uyum sa\u011flanmas\u0131 amac\u0131yla ye\u015fil ekonomik d\u00f6n\u00fc\u015f\u00fcm\u00fcn finansman\u0131na katk\u0131 sunulmas\u0131 hedeflenmektedir.” de\u011ferlendirmesinde bulundu.<\/p>\n","protected":false},"excerpt":{"rendered":"
BDDK, 2021 y\u0131l\u0131na ili\u015fkin Y\u0131ll\u0131k Faaliyet Raporu’nu yay\u0131mlad\u0131. Rapordaki sunu\u015f yaz\u0131s\u0131nda salg\u0131n\u0131n etkilerine de\u011finen Akben, “\u00d6ncelikle 2020 …<\/p>\n","protected":false},"author":6,"featured_media":29138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-29137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoin"],"yoast_head":"\n