{"id":4670,"date":"2024-06-26T23:00:06","date_gmt":"2024-06-26T23:00:06","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=4670"},"modified":"2024-06-26T23:00:06","modified_gmt":"2024-06-26T23:00:06","slug":"abdnin-buyuk-bankalari-fedin-stres-testini-gecti","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2024\/06\/26\/abdnin-buyuk-bankalari-fedin-stres-testini-gecti\/","title":{"rendered":"ABD\u2019nin b\u00fcy\u00fck bankalar\u0131 Fed\u2019in stres testini ge\u00e7ti"},"content":{"rendered":"<div>\n<p>Fed, Bank of America, Citigroup, Goldman Sachs, JPMorgan Chase, Morgan Stanley ve Wells Fargo&#8217;nun aralar\u0131nda bulundu\u011fu ABD&#8217;nin 31 b\u00fcy\u00fck bankas\u0131n\u0131n tabi tutuldu\u011fu y\u0131ll\u0131k stres testinin sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p>Bankadan yap\u0131lan a\u00e7\u0131klamada, b\u00fcy\u00fck bankalar\u0131n ge\u00e7en y\u0131lki teste k\u0131yasla daha b\u00fcy\u00fck kay\u0131plara maruz kalacak olsa da ciddi bir resesyonu atlatmak ve asgari sermaye gereksinimlerinin \u00fczerinde kalmak i\u00e7in iyi konumda oldu\u011fu belirtildi.<\/p>\n<p>Bu y\u0131lki stres testinde varsay\u0131mlara dayanan senaryolar\u0131n, ticari gayrimenkul fiyatlar\u0131nda y\u00fczde 40&#8217;l\u0131k d\u00fc\u015f\u00fc\u015f\u00fcn, bo\u015f ofislerde \u00f6nemli art\u0131\u015f\u0131n ve konut fiyatlar\u0131nda y\u00fczde 36&#8217;l\u0131k d\u00fc\u015f\u00fc\u015f\u00fcn oldu\u011fu ciddi k\u00fcresel resesyonu i\u00e7erdi\u011fi aktar\u0131lan a\u00e7\u0131klamada, senaryoda i\u015fsizlik oran\u0131n\u0131n y\u00fczde 10&#8217;luk zirveye ula\u015ft\u0131\u011f\u0131n\u0131n ve ekonomik \u00e7\u0131kt\u0131n\u0131n bununla orant\u0131l\u0131 olarak d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fcn \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc kaydedildi.<\/p>\n<\/div>\n<div>\n<p>A\u00e7\u0131klamada, senaryolarda ge\u00e7en y\u0131la k\u0131yasla nispeten de\u011fi\u015fim olmamas\u0131na ra\u011fmen bu y\u0131lki test sonucunda daha b\u00fcy\u00fck sermaye d\u00fc\u015f\u00fc\u015f\u00fcn\u00fcn g\u00f6r\u00fclmesinin, bankalar\u0131n kurumsal kredi portf\u00f6ylerinin daha riskli hale gelmesinden, kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f ile y\u00fcksek temerr\u00fct oranlar\u0131ndan ve kar beklentilerindeki d\u00fc\u015f\u00fc\u015ften kaynakland\u0131\u011f\u0131 aktar\u0131ld\u0131.<\/p>\n<p>Fed&#8217;in Denetimden Sorumlu Ba\u015fkan Yard\u0131mc\u0131s\u0131 Michael Barr, konuya ili\u015fkin, bu y\u0131lki stres testinin b\u00fcy\u00fck bankalar\u0131n olduk\u00e7a stresli bir senaryoya dayanabilecek ve asgari sermaye oranlar\u0131n\u0131 kar\u015f\u0131layabilecek d\u00fczeyde yeterli sermayeye sahip olduklar\u0131n\u0131 g\u00f6sterdi\u011fini ifade etti.<\/p>\n<p>Bu y\u0131lki stres testinin a\u011f\u0131rl\u0131\u011f\u0131n\u0131n ge\u00e7en y\u0131lkine benzer olsa da banka bilan\u00e7olar\u0131n\u0131n biraz daha riskli olmas\u0131 ve harcamalar\u0131n daha y\u00fcksek olmas\u0131 nedeniyle testin daha y\u00fcksek zararlarla sonu\u00e7land\u0131\u011f\u0131n\u0131 belirten Barr, &#8220;Testimizin amac\u0131, bankalar\u0131n son derece stresli bir senaryoda kay\u0131plar\u0131 kar\u015f\u0131lamaya yetecek kadar sermayeye sahip olmalar\u0131n\u0131 sa\u011flamaya yard\u0131mc\u0131 olmak. Bu test buna sahip olduklar\u0131n\u0131 g\u00f6steriyor.&#8221; de\u011ferlendirmesinde bulundu.<\/p>\n<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">https:\/\/www.bloomberght.com\/abdnin-buyuk-bankalari-fedin-stres-testini-gecti-2355319<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ABD Merkez Bankas\u0131 (Fed), stres testine tabi tuttu\u011fu bankalar\u0131n ciddi bir resesyonu atlatmak i\u00e7in iyi konumda oldu\u011funu bildirdi.<\/p>\n","protected":false},"author":1,"featured_media":4671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[198,173,796,25,795],"manset":[],"class_list":["post-4670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bank","tag-sermaye","tag-stres","tag-test","tag-yilki"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/4670","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=4670"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/4670\/revisions"}],"predecessor-version":[{"id":4672,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/4670\/revisions\/4672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/4671"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=4670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=4670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=4670"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=4670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}