TBB’nin 66. Genel Kurul toplant\u0131s\u0131 Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek’in kat\u0131l\u0131m\u0131yla ger\u00e7ekle\u015ftirildi.<\/p>\n
Genel kurulda konu\u015fan \u00c7akar, d\u00fcnya ekonomisi i\u00e7in 2022’nin olduk\u00e7a zorlu ge\u00e7ti\u011fini aktararak, salg\u0131n sonras\u0131nda ya\u015fanan g\u00fc\u00e7l\u00fc toparlanman\u0131n getirdi\u011fi olumlu havan\u0131n k\u0131sa s\u00fcrede de\u011fi\u015fti\u011fini, k\u00fcresel b\u00fcy\u00fcmede, ticaret hacminde risklerin ve belirsizli\u011fin artt\u0131\u011f\u0131 bir d\u00f6neme girildi\u011fini s\u00f6yledi.<\/p>\n
Enerji, emtia ve tar\u0131m fiyatlar\u0131ndaki h\u0131zl\u0131 t\u0131rmanman\u0131n yukar\u0131 y\u00f6nl\u00fc olan enflasyona ivme kazand\u0131rd\u0131\u011f\u0131na i\u015faret eden \u00c7akar, “Enflasyonun d\u00fcnya ortalamas\u0131 2022 y\u0131l\u0131nda y\u00fczde 8,7 ile 1996 y\u0131l\u0131ndan sonraki en y\u00fcksek d\u00fczeyine ula\u015fm\u0131\u015ft\u0131r. Geli\u015fmi\u015f \u00fclkelerde ise ortalama enflasyon y\u00fczde 7,2 ile 1983 y\u0131l\u0131ndan sonraki en y\u00fcksek d\u00fczeyine \u00e7\u0131km\u0131\u015ft\u0131r. K\u00fcresel man\u015fet enflasyonun 2023’te y\u00fczde 6,8’e ve 2024’te y\u00fczde 5,2’ye d\u00fc\u015fmesi bekleniyor. Son d\u00f6nemde ya\u015fanan geli\u015fmeler sebebiyle \u00fclkeler, finansal istikrar\u0131n ve fiyat istikrar\u0131n\u0131n sa\u011flanmas\u0131, mali disiplin, para politikas\u0131nda s\u0131k\u0131la\u015ft\u0131rma, bor\u00e7 y\u00f6netimi, b\u00fcy\u00fcmenin s\u00fcrd\u00fcr\u00fclmesi gibi alanlarda bir politika dengesi olu\u015fturmaya \u00e7al\u0131\u015fmaktad\u0131rlar.” ifadelerini kulland\u0131.<\/p>\n
\u00c7akar, uluslararas\u0131 ekonomik ve siyasi alandaki geli\u015fmelerin T\u00fcrkiye ekonomisinin performans\u0131n\u0131 da etkiledi\u011fini, bir s\u00fcredir sert ve ters y\u00f6nde esen r\u00fczg\u00e2rlara ra\u011fmen diren\u00e7li kalarak ve b\u00fcy\u00fcmeyi s\u00fcrd\u00fcrebildiklerini kaydetti.<\/p>\n
2022 y\u0131l\u0131nda para ve kredi politikas\u0131na ili\u015fkin \u00e7ok say\u0131da d\u00fczenleme yap\u0131ld\u0131\u011f\u0131n\u0131 belirten \u00c7akar, “Bankac\u0131l\u0131k sekt\u00f6r\u00fc hem ekonomi politikas\u0131n\u0131 hassasiyetle destekledi hem de ihtiyatl\u0131 bir yakla\u015f\u0131m i\u00e7inde bilan\u00e7osunu y\u00f6netti. 2023 Haziran itibar\u0131yla, T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fc\u2019n\u00fcn bilan\u00e7o b\u00fcy\u00fckl\u00fc\u011f\u00fc 19 trilyon TL olup, bilan\u00e7onun milli gelire oran\u0131 y\u00fczde 100 civar\u0131ndad\u0131r. Kur korumal\u0131 mevduat\u0131n etkisiyle TL\u2019nin pay\u0131 aktifte y\u00fczde 59, pasifte ise y\u00fczde 56 olarak ger\u00e7ekle\u015fmi\u015ftir. 2023 Haziran itibar\u0131yla, krediler 10 trilyon TL, menkul k\u0131ymetler portf\u00f6y\u00fc ise 3,2 trilyon TL seviyesindedir.” \u015feklinde konu\u015ftu.<\/p>\n
![\"\"](\"https:\/\/www.aa.com.tr\/uploads\/userFiles\/76bad36d-1411-48e8-a1ae-b65e58872c06\/01.02%2F17%2F8%2F20230817_2_59910633_91960860.jpg\"\/)
<\/p>\n
“Krediler b\u00fcy\u00fcrken, riskler makul \u00f6l\u00e7\u00fclerde seyretti”<\/h3>\n
\u00c7akar, ticari krediler i\u00e7inde en b\u00fcy\u00fck pay\u0131n y\u00fczde 29 ile imalat sanayiinde oldu\u011funa dikkati \u00e7ekerek, “\u0130malat sanayinin pay\u0131 son 5 y\u0131lda 5 puan artt\u0131. \u00dcretimin, ihracat\u0131n ve istihdam\u0131n belkemi\u011fini olu\u015fturan \u00e7ok say\u0131daki sekt\u00f6re kulland\u0131r\u0131lan kredilerin pay\u0131n\u0131n daha da art\u0131r\u0131lmas\u0131n\u0131n \u00f6neminin fark\u0131nday\u0131z. Ticaret sekt\u00f6r\u00fc y\u00fczde 16, in\u015faat y\u00fczde 10, enerji sekt\u00f6r\u00fc y\u00fczde 8 pay ile s\u0131ralanmaktad\u0131r. Stratejik \u00f6nemi daha artan turizm ve tar\u0131m sekt\u00f6rlerine kulland\u0131r\u0131lan kredilerin art\u0131r\u0131lmas\u0131nda yo\u011fun bir rekabet bulunmaktad\u0131r. Krediler b\u00fcy\u00fcrken, riskler makul \u00f6l\u00e7\u00fclerde seyretti.” dedi.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn g\u00fc\u00e7l\u00fc \u00f6z kayna\u011fa sahip oldu\u011funu ve kredi b\u00fcy\u00fcmesini destekleyecek bir sermaye yeterlili\u011fi ile \u00e7al\u0131\u015fmakta oldu\u011funu vurgulayan \u00c7akar, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n
“2023 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131 sonunda, sermaye yeterlili\u011fi y\u00fczde 18. Sermaye yeterlili\u011finin hesaplanmas\u0131nda sa\u011flanan esnekliklerin etkisi y\u00fczde 0,5 d\u00fczeyinde ve s\u0131n\u0131rl\u0131 seviyede. \u00d6z kaynaklar\u0131n g\u00fc\u00e7l\u00fc kalmas\u0131na hassasiyet g\u00f6steriyoruz. \u00c7\u00fcnk\u00fc bu sayede, kredi art\u0131\u015f\u0131n\u0131 s\u00fcrd\u00fcrebilmek, riskleri do\u011fru y\u00f6netebilmek, \u015foklara kar\u015f\u0131nda dayan\u0131kl\u0131 kalabilmek, i\u00e7 bor\u00e7lanmay\u0131 desteklemek, d\u0131\u015f finansman sa\u011flayabilmek, uluslararas\u0131 rekabet g\u00fcc\u00fcn\u00fc korumak ve art\u0131rabilmek m\u00fcmk\u00fcn olabilecektir.<\/p>\n
\u00d6z kaynaklar\u0131n b\u00fcy\u00fcmesini ve g\u00fc\u00e7l\u00fc kalmas\u0131n\u0131 destekleyen en \u00f6nemli kalem olan net k\u00e2r\u0131n \u00f6z kaynaklara olan katk\u0131s\u0131nda iyile\u015fme olmu\u015ftur. \u00d6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131 nominal olarak y\u00fckselmi\u015ftir, ancak enflasyonun gerisinde kalm\u0131\u015ft\u0131r. Enflasyona endeksli menkul k\u0131ymetlerin piyasa de\u011ferinin y\u00fckselmesi yan\u0131nda, bankac\u0131l\u0131k hizmetlerindeki art\u0131\u015f ba\u011fl\u0131 olarak faiz d\u0131\u015f\u0131 gelirler \u00f6z kaynak k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 olumlu etkilemi\u015ftir.”<\/p>\n
Alpaslan \u00c7akar, sekt\u00f6r olarak ama\u00e7lar\u0131n\u0131n, finansal sekt\u00f6r\u00fc TL cinsinden b\u00fcy\u00fcterek ekonomik faaliyeti desteklemek ve toplumun ilerlemesine katk\u0131da bulunmaya \u00f6nc\u00fcl\u00fck etmek oldu\u011funu aktard\u0131.<\/p>\n
\u00c7akar, 6 \u015eubat Kahramanmara\u015f depreminden sonra Birlik olarak krediye eri\u015fiminde gerekli kolayl\u0131klar\u0131n g\u00f6sterilmesi, kredilerin ertelenmesi ya da \u00f6telenmesi, baz\u0131 durumlarda bor\u00e7lar\u0131n silinmesi, hizmetlerin kesintisiz s\u00fcrd\u00fcr\u00fclmesi i\u00e7in hizmet birimlerinin k\u0131sa s\u00fcrede toparlanmas\u0131 ve ge\u00e7ici hizmet birimlerinin olu\u015fturulmas\u0131 y\u00f6n\u00fcnde kararlar ald\u0131klar\u0131n\u0131 hat\u0131rlatt\u0131.<\/p>\n
“Direncin art\u0131r\u0131lmas\u0131na y\u00f6nelik ekonomi politikalar\u0131n\u0131 de\u011ferli buluyor ve destekliyoruz”<\/h3>\n
Ekonomide istikrar\u0131n sa\u011fl\u0131kl\u0131 ve kal\u0131c\u0131 olarak tesisini, \u015foklara kar\u015f\u0131 direncin art\u0131r\u0131lmas\u0131na y\u00f6nelik ekonomi politikalar\u0131n\u0131 de\u011ferli bulduklar\u0131n\u0131 ve desteklediklerini ifade eden \u00c7akar, \u015funlar\u0131 s\u00f6yledi:<\/p>\n
“Finansal istikrar\u0131n tesisinde, tasarruf dengesinin makul d\u00fczeye \u00e7ekilmesine, d\u00fc\u015f\u00fck ve \u00f6ng\u00f6r\u00fclebilir enflasyon ortam\u0131na, d\u00fc\u015f\u00fck enflasyonun sa\u011flanmas\u0131nda ise mali disipline ihtiyac\u0131m\u0131z oldu\u011funu biliyoruz. Uzun s\u00fcredir y\u00fcksek d\u00fczeyde ve inat\u00e7\u0131 bir \u00f6zellik g\u00f6stermesinden dolay\u0131 enflasyonla sava\u015f\u0131n k\u00fcresel \u00f6l\u00e7ekte ve \u00fclkemizde \u00e7etin ge\u00e7ece\u011finin de fark\u0131nday\u0131z. Ne var ki d\u00fc\u015f\u00fck d\u00fczeyde bir enflasyon ortam\u0131n\u0131n her y\u00f6n\u00fcyle ekonomik performans\u0131 \u00e7ok olumlu etkileyece\u011fini de yak\u0131n d\u00f6nemde tecr\u00fcbe ettik.<\/p>\n
Mali disiplini ve d\u00fc\u015f\u00fck enflasyonu hedefleyen yakla\u015f\u0131mlar\u0131n, finansal istikrar\u0131n s\u00fcrd\u00fcr\u00fclmesine ve b\u00fcy\u00fcmesine, TL\u2019ye olan talebin artmas\u0131na, beklentilerin olumlu kalmas\u0131na, y\u00f6netilebilir bir risk ortam\u0131n\u0131n olu\u015fmas\u0131na uluslararas\u0131 entegrasyonun g\u00fc\u00e7lenmesine, \u00fclkemizin rekabet g\u00fcc\u00fcn\u00fcn iyile\u015fmesine, piyasa dinamiklerinin \u00e7al\u0131\u015fmas\u0131na, finansal sekt\u00f6r\u00fcn i\u015flevinin daha etkin olmas\u0131na, b\u00f6ylece \u00fclkemizin sa\u011fl\u0131kl\u0131 b\u00fcy\u00fcmesine ve refah art\u0131\u015f\u0131na daha y\u00fcksek katk\u0131 verece\u011fine inan\u0131yoruz.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fc, \u00fclkemizin g\u00fcc\u00fcne ve gelece\u011fine inanarak yat\u0131r\u0131mlar\u0131n\u0131 b\u00fcy\u00fct\u00fcyor. Payda\u015flar\u0131m\u0131z ile i\u015f birli\u011fi i\u00e7inde ekonomik b\u00fcy\u00fcmeden g\u00fc\u00e7 almaya ve g\u00fcc\u00fcm\u00fcz\u00fc \u00fcretim, yat\u0131r\u0131m, istihdam ve ihracat art\u0131\u015f\u0131n\u0131 destekleyerek, b\u00fcy\u00fcmenin ve refah art\u0131\u015f\u0131n\u0131n s\u00fcrd\u00fcr\u00fclmesinde kullanmaya devam ediyoruz.”<\/p>\n