{"id":30379,"date":"2025-10-26T06:24:06","date_gmt":"2025-10-26T06:24:06","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=30379"},"modified":"2025-10-26T06:24:06","modified_gmt":"2025-10-26T06:24:06","slug":"kalkinma-ve-yatirim-bankalarinin-bir-kisi-ya-da-bir-gruba-verecegi-krediler-sinirlandirildi","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2025\/10\/26\/kalkinma-ve-yatirim-bankalarinin-bir-kisi-ya-da-bir-gruba-verecegi-krediler-sinirlandirildi\/","title":{"rendered":"Kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n bir ki\u015fi ya da bir gruba verece\u011fi krediler s\u0131n\u0131rland\u0131r\u0131ld\u0131"},"content":{"rendered":"

BDDK a\u00e7\u0131klamas\u0131nda, Kurumun kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n asli g\u00f6revleri olan yat\u0131r\u0131m kredisi verme fonksiyonunu g\u00f6zeterek, kredi risk yo\u011funla\u015fmalar\u0131n\u0131n y\u00f6netilmesine katk\u0131 sa\u011flanmas\u0131n\u0131 teminen bankalar\u0131n kald\u0131ra\u00e7 oranlar\u0131yla ili\u015fkilendirilmek suretiyle kredi s\u0131n\u0131rlar\u0131 belirledi\u011fi kaydedildi.<\/p>\n

Buna g\u00f6re Bankalar\u0131n Kald\u0131ra\u00e7 D\u00fczeyinin \u00d6l\u00e7\u00fclmesine ve De\u011ferlendirilmesi \u0130li\u015fkin Y\u00f6netmelik uyar\u0131nca daha d\u00fc\u015f\u00fck kald\u0131ra\u00e7 oran\u0131yla (ana sermaye \/ y\u00f6netmelik uyar\u0131nca hesaplanan risk tutar\u0131) faaliyet g\u00f6steren bankalar i\u00e7in daha ihtiyatl\u0131 kredi s\u0131n\u0131rlar\u0131n\u0131n belirlendi\u011fi aktar\u0131lan a\u00e7\u0131klamada, bankalar\u0131n yeni oranlara kademeli olarak uyum sa\u011flamalar\u0131n\u0131 teminen intibak s\u00fcresi tan\u0131nd\u0131\u011f\u0131 belirtildi.<\/p>\n

\u0130stanbul Takas ve Saklama Bankas\u0131 A\u015e ile \u0130ller Bankas\u0131 A\u015e’nin bu uygulamadan hari\u00e7 tutuldu\u011fu belirtilen a\u00e7\u0131klamada, kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n konsolide ve konsolide olmayan esasta bir ger\u00e7ek ya da t\u00fczel ki\u015fiye veya risk gruplar\u0131na kulland\u0131rabilecekleri kredilerin risk tutar\u0131 toplam\u0131n\u0131n ana sermaye tutarlar\u0131na oranlar\u0131n\u0131n bankalar\u0131n dahil oldu\u011fu risk grubu i\u00e7in kald\u0131ra\u00e7 oran\u0131 y\u00fczde 0 veya daha fazla olmas\u0131 durumunda y\u00fczde 35, y\u00fczde 10 veya daha fazla olmas\u0131 durumunda y\u00fczde 40, y\u00fczde 20 veya daha fazla olmas\u0131 durumunda y\u00fczde 45, y\u00fczde 30 veya daha fazla olmas\u0131 durumunda y\u00fczde 50, y\u00fczde 40 veya daha fazla olmas\u0131 durumunda y\u00fczde 55 olarak belirlenmesine karar verildi\u011fi kaydedildi.<\/p>\n

Bir ger\u00e7ek veya t\u00fczel ki\u015fiye ya da bir risk grubuna ili\u015fkin oranlar\u0131n ise kald\u0131ra\u00e7 oran\u0131 y\u00fczde 0 veya daha fazla olmas\u0131 durumunda y\u00fczde 40, y\u00fczde 10 veya daha fazla olmas\u0131 durumunda y\u00fczde 45, y\u00fczde 20 veya daha fazla olmas\u0131 durumunda y\u00fczde 50, y\u00fczde 30 veya daha fazla olmas\u0131 durumunda y\u00fczde 55, y\u00fczde 40 veya daha fazla olmas\u0131 durumunda y\u00fczde 60 olmas\u0131na karar verildi\u011fi aktar\u0131lan a\u00e7\u0131klamada, 1 Ocak 2020 tarihinden sonra kurulan ve ay sonlar\u0131 i\u00e7in konsolide olmayan bazda hesaplanan kald\u0131ra\u00e7 oran\u0131 y\u00fczde 10 veya daha fazla olan kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 a\u00e7\u0131s\u0131ndan, faaliyet izni ald\u0131klar\u0131 tarihten itibaren 5 y\u0131l boyunca, s\u00f6z konusu kredi s\u0131n\u0131r\u0131 oranlar\u0131n\u0131n 5 puan azalt\u0131lm\u0131\u015f olarak uygulanmas\u0131n\u0131n kararla\u015ft\u0131r\u0131ld\u0131\u011f\u0131 bildirildi.<\/p>\n

S\u00f6z konusu s\u0131n\u0131rlar hakk\u0131nda, y\u00f6netmeli\u011fin risk gruplar\u0131n\u0131n belirlenmesine, risk tutar\u0131n\u0131n hesaplanmas\u0131na, kredi s\u0131n\u0131rlar\u0131na tabi olmayan i\u015flemlere, kredi s\u0131n\u0131rlar\u0131n\u0131n raporlanmas\u0131na, s\u0131n\u0131rlara uyumsuzlu\u011fa ve a\u015f\u0131mlar\u0131n giderilmesine ili\u015fkin h\u00fck\u00fcmlerinin uygulanmas\u0131n\u0131n kararla\u015ft\u0131r\u0131ld\u0131\u011f\u0131 aktar\u0131lan a\u00e7\u0131klamada, y\u00f6netmeli\u011fin 16’nc\u0131 maddesinin d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131 d\u0131\u015f\u0131nda kalan ve banka ihtiyar\u0131nda olmayan sebepler ile s\u0131n\u0131rlarda a\u015f\u0131m olu\u015fmas\u0131 halinde, s\u00f6z konusu a\u015f\u0131m tutarlar\u0131n\u0131n kurumca belirlenecek s\u00fcre zarf\u0131nda giderilmesinin ve bu s\u00fcre zarf\u0131nda a\u015f\u0131m nedeniyle banka hakk\u0131nda idari para cezas\u0131 uygulanmamas\u0131n\u0131n kararla\u015ft\u0131r\u0131ld\u0131\u011f\u0131 aktar\u0131ld\u0131.<\/p>\n

\n

A\u00e7\u0131klamada, \u015funlar kaydedildi:<\/p>\n

“Bankalar\u0131n dahil olduklar\u0131 risk gruplar\u0131na kulland\u0131rd\u0131klar\u0131 krediler hari\u00e7, 3 y\u0131ldan uzun vadeli kulland\u0131r\u0131lan proje veya yat\u0131r\u0131m kredileri ile finansman sa\u011flamak amac\u0131yla edinilen ortakl\u0131k paylar\u0131n\u0131n bu karar kapsam\u0131nda kredi s\u0131n\u0131rlamalar\u0131na tabi olmamas\u0131na, i\u015fbu karar tarihi itibar\u0131yla 1. maddede yer alan s\u0131n\u0131rlara ili\u015fkin a\u015f\u0131m bulunmas\u0131 halinde, olu\u015fan bu a\u015f\u0131m tutarlar\u0131n\u0131n 31 Aral\u0131k 2025 tarihine kadar y\u00fczde 10’unun, 31 Aral\u0131k 2026 tarihine kadar y\u00fczde 30’unun, 31 Aral\u0131k 2027 tarihine kadar y\u00fczde 60’\u0131n\u0131n ve 31 Aral\u0131k 2028 tarihine kadar y\u00fczde 100’\u00fcn\u00fcn giderilmesine, 2. maddede yer alan s\u0131n\u0131rlara ili\u015fkin a\u015f\u0131m bulunmas\u0131 halinde bu a\u015f\u0131mlar\u0131n bir y\u0131l i\u00e7erisinde giderilmesine, yukar\u0131da belirtilen s\u00fcrelerin uzat\u0131lmas\u0131 ve muafiyetlerin de\u011fi\u015ftirilmesi hususlar\u0131nda ba\u015fkanl\u0131k makam\u0131n\u0131n yetkili k\u0131l\u0131nmas\u0131na, bu karar\u0131n kurulu\u015f birliklerine duyurulmas\u0131na ve kurum internet sitesinde yay\u0131mlanmas\u0131na karar verilmi\u015ftir.”<\/p>\n<\/div>\n<\/p>\n

<\/p>\n

Kaynak :\u00a0https:\/\/www.bloomberght.com\/kalkinma-ve-yatirim-bankalarinin-bir-kisi-ya-da-bir-gruba-verecegi-krediler-sinirlandirildi-3744395<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131n\u0131n bir ki\u015fi ya da bir gruba verece\u011fi kredilerin ana sermayelerine g\u00f6re s\u0131n\u0131rland\u0131r\u0131ld\u0131\u011f\u0131n\u0131 bildirdi.<\/p>\n","protected":false},"author":1,"featured_media":30380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[207,188,274,241,3370],"manset":[],"class_list":["post-30379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-as","tag-karar","tag-kredi","tag-risk","tag-sinirlar"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/30379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=30379"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/30379\/revisions"}],"predecessor-version":[{"id":30381,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/30379\/revisions\/30381"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/30380"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=30379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=30379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=30379"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=30379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}