\u201cBankalar 2022 bilan\u00e7olar\u0131n\u0131 a\u00e7\u0131kl\u0131yor. Sekt\u00f6r\u00fcn\u00a0k\u00e2r\u0131 2021\u2019e g\u00f6re 4.5kat artt\u0131.\u00a0<\/strong>\u015eu anda ilk s\u0131rada\u00a0Akbank\u00a0var. K\u00e2r\u0131 60 milyar TL. Bir \u00f6nceki y\u0131lla kar\u015f\u0131la\u015ft\u0131rd\u0131\u011f\u0131n\u0131zda y\u00fczde 392.1 art\u0131\u015f. \u0130kinci s\u0131rada\u00a0Garanti\u2026 Onlar\u0131n da k\u00e2r\u0131 2021\u2019e g\u00f6re y\u00fczde 330 artarak 58.5 milyar TL\u2019ye \u00e7\u0131kt\u0131. Pazartesi\u00a0\u0130\u015f Bankas\u0131\u2019n\u0131n k\u00e2r\u0131 gelecek. Muhtemelen \u00f6zel bankalar i\u00e7inde en iyi bilan\u00e7oya sahip banka olacak. Di\u011fer bankalar\u0131n bilan\u00e7olar\u0131n\u0131 da yak\u0131nda g\u00f6r\u00fcr\u00fcz. Bu y\u0131l ayn\u0131 rakamlar\u0131 sekt\u00f6r\u00fc g\u00f6rebilir mi? Ge\u00e7ti\u011fimiz haftalarda\u00a0Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) kap\u0131s\u0131n\u0131 \u00e7ald\u0131klar\u0131n\u0131 duymu\u015ftuk. Taleplerine ye\u015fil \u0131\u015f\u0131k yak\u0131lm\u0131\u015ft\u0131. \u00d6\u011frendi\u011fime g\u00f6re, o \u00e7al\u0131\u015fma tamamland\u0131. D\u00fcn\u00a0Finansal \u0130stikrar Komitesi\u00a0toplant\u0131s\u0131nda masaya yat\u0131r\u0131ld\u0131. Sabah Gazetesi-Dilek G\u00fcng\u00f6r<\/p>\n
Zor\u2026 \u00c7\u00fcnk\u00fc ge\u00e7en y\u0131lki k\u00e2rlar\u0131n kayna\u011f\u0131nda enflasyona endeksli ka\u011f\u0131tlar vard\u0131. O y\u00fczden\u00a0bankalar 2022 k\u00e2r\u0131ndan hissedarlarapay aktarmak istiyor.\u00a0<\/strong>\u00d6zellikle de \u00f6zel bankalar\u2026<\/p>\n
Peki nas\u0131l olacak?
Her banka ayn\u0131 oranda k\u00e2r da\u011f\u0131tamayacak.\u00a0Sermaye yeterlilik rasyolar\u0131na\u00a0(SYR) g\u00f6re bankalara k\u00e2r da\u011f\u0131t\u0131m\u0131\u00a0izni verilecek.\u00a0<\/strong>Malum, BDDK\u2019da yasal\u00a0<\/strong>oran y\u00fczde 12\u2026 Bu oran\u0131n iki kat\u0131 SYR\u2019si\u00a0<\/strong>olan da var, birka\u00e7 puan \u00fcst\u00fc olan da\u2026\u00a0<\/strong>Dolay\u0131s\u0131yla SYR\u2019si daha d\u00fc\u015f\u00fck ise daha\u00a0<\/strong>az k\u00e2r pay\u0131 da\u011f\u0131tacak ya da hi\u00e7 da\u011f\u0131tamayacak.\u00a0<\/strong>Y\u00fcksekse daha fazla da\u011f\u0131tmas\u0131na\u00a0<\/strong>izin verilebilecek. Duydu\u011fuma g\u00f6re,\u00a0tavan\u00a0<\/strong>rakam y\u00fczde 15 olacak.<\/strong>
Bu kadar m\u0131?
\u0130lerisi i\u00e7in de ba\u015fka form\u00fcller masada\u2026
\u015eimdilik bu kadar\u0131n\u0131 s\u00f6yleyeyim\u2026
Hat\u0131rlars\u0131n\u0131z, BDDK ge\u00e7mi\u015f senelerde\u00a0k\u00e2r da\u011f\u0131t\u0131m\u0131na hi\u00e7 s\u0131cak bakm\u0131yordu.\u00a0<\/strong>Genel tavr\u0131 da \u2018da\u011f\u0131tmay\u0131n, sermayenizi g\u00fc\u00e7lendirin\u2019 \u015feklindeydi. 2018\u2019de \u00e7ekirdek sermaye yeterlili\u011fi y\u00fczde 12\u2019nin alt\u0131nda olan bankalara k\u00e2r pay\u0131 da\u011f\u0131tmama tavsiyesinde bulunmu\u015ftu. 2019\u2019da bankalardan nakit \u00e7\u0131k\u0131\u015f\u0131 gerektirecek bir k\u00e2r pay\u0131 da\u011f\u0131t\u0131m\u0131n\u0131n yap\u0131lmamas\u0131n\u0131 talep etmi\u015fti. Ge\u00e7en sene net k\u00e2r\u0131n y\u00fczde 10\u2019una kadar bir da\u011f\u0131t\u0131m uygun g\u00f6r\u00fclm\u00fc\u015ft\u00fc.
Velhas\u0131l,\u00a0ihtiyatl\u0131 bir oranda da olsa\u00a0k\u00e2r da\u011f\u0131t\u0131m\u0131na yeniden izin verilmesi\u00a0yat\u0131r\u0131mc\u0131lar ve piyasalar a\u00e7\u0131s\u0131ndan da\u00a0olumlu olacakt\u0131r.<\/strong>\u201c<\/p>\n