{"id":51389,"date":"2022-11-07T02:51:09","date_gmt":"2022-11-07T02:51:09","guid":{"rendered":"https:\/\/haberulus.net\/?p=51389"},"modified":"2022-11-07T02:51:09","modified_gmt":"2022-11-07T02:51:09","slug":"sorunlu-krediler-46-milyar-dolari-asti","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=51389","title":{"rendered":"Sorunlu krediler 46 milyar dolar\u0131 ast\u0131"},"content":{"rendered":"<p><b>ABD merkezli S&#038;P Global, T\u00fcrk bankalar\u0131n\u0131n sorunlu kredi stokunun 46 milyar dolar\u0131 a\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klarken \u2018k\u00f6t\u00fc bor\u00e7\u2019 krizinin b\u00fcy\u00fcd\u00fc\u011f\u00fcne i\u015faret etti. Analistler, sorunlu kredi sat\u0131\u015f\u0131n\u0131n ilgi g\u00f6rmedi\u011fini s\u00f6ylediler.<\/b><\/p>\n<p>Al\u0131m g\u00fcc\u00fc her ge\u00e7en g\u00fcn zay\u0131flayan vatanda\u015f bankalara bor\u00e7lanarak ayakta kalmaya \u00e7al\u0131\u015f\u0131rken, borcunu bor\u00e7la kapatan, kredi ve kart borcunu \u00f6deyemedi\u011fi i\u00e7in bankalar taraf\u0131ndan takibe d\u00fc\u015fen ki\u015fi say\u0131s\u0131nda da ciddi art\u0131\u015flar ya\u015fan\u0131yor. Bununla birlikte bankalar\u0131n takipteki kredi portf\u00f6yleri (NPL) ile hen\u00fcz takibe al\u0131nmam\u0131\u015f yani \u2018bat\u0131k&#8217; durumuna d\u00fc\u015fmemi\u015f ancak 2. grupta s\u0131n\u0131fland\u0131r\u0131lan \u2018yak\u0131n izlemedeki&#8217; kredi tutar\u0131 da b\u00fcy\u00fcyor.\u00a0 Uluslararas\u0131 Kredi Derecelendirme Kurulu\u015fu S&#038;P Global&#8217;in Pazar Ara\u015ft\u0131rma Birimi analistleri T\u00fcrk bankalar\u0131n\u0131n sorunlu kredi portf\u00f6y\u00fcn\u00fcn Haziran 2022 itibar\u0131yla 46 milyar dolar\u0131 a\u015ft\u0131\u011f\u0131n\u0131 aktard\u0131lar. T\u00fcrk bankalar\u0131n\u0131n, \u015fi\u015fen k\u00f6t\u00fc kredileri satmak i\u00e7in ileti\u015fimde olduklar\u0131 yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131 \u00e7ekmekte zorland\u0131klar\u0131 belirtilen s\u00f6z konusu analizde, \u201cKredilerin nas\u0131l de\u011ferlenece\u011fi ve \u00fclkedeki ekonomik ve politik belirsizlikler nedeniyle artan endi\u015feler, uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131 performans g\u00f6stermeyen sorunlu kredilerden uzak tutuyor\u201d denildi.<\/p>\n<p><strong>ENFLASYON BASKI VAR<\/strong><\/p>\n<p>S&#038;P Global Ratings&#8217;in 2022&#8217;de ortalama y\u00fczde 74 ve 2023&#8217;te y\u00fczde 40 olaca\u011f\u0131n\u0131 tahmin etti\u011fi y\u00fckselen enflasyon ve ekonomik yava\u015flama, bankalara, \u00f6zellikle kurumsal kredilerde, k\u00f6t\u00fc bor\u00e7 sorunlar\u0131yla ba\u015fa \u00e7\u0131kmalar\u0131 a\u00e7\u0131s\u0131ndan daha fazla bask\u0131 olu\u015fturacak. Verilere g\u00f6re banka bilan\u00e7olar\u0131ndaki sorunlu kredi stokunun y\u00fczde 80 oran\u0131nda \u015firket bor\u00e7lar\u0131ndan kaynaklan\u0131yor.\u00a0 Dolay\u0131s\u0131yla ekonomistlere g\u00f6re k\u00f6t\u00fc bor\u00e7 krizinin \u00e7\u00f6z\u00fclmesinin,\u00a0 b\u00fcy\u00fck ticari ve kurumsal kredi portf\u00f6ylerinin yeniden yap\u0131land\u0131r\u0131lmas\u0131n\u0131 ve sat\u0131lmas\u0131n\u0131 gerektirecek.<\/p>\n<p><b>667.4 milyarl\u0131k kredi yak\u0131n izlemede<\/b><\/p>\n<p>Market Intelligence verilerine g\u00f6re, 30 Haziran itibar\u0131yla takipteki krediler ile yak\u0131n izlemedeki 2 grup kredilerin toplam\u0131ndan olu\u015fan sorunlu kredi stoku 46 milyar dolar\u0131n \u00fczerine \u00e7\u0131kt\u0131. Takipteki kredilerin toplam tutar\u0131 192.67 milyar liraya, 2. grup kredilerin ise 667.48 milyar liraya y\u00fckselerek sistemdeki toplam s\u0131k\u0131nt\u0131l\u0131 bor\u00e7 toplam\u0131n\u0131n haziran ay\u0131 sonunda 860 milyar liran\u0131n \u00fczerine \u00e7\u0131kt\u0131\u011f\u0131 belirtildi.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2022\/11\/07\/basliksiz-3.jpg\" alt=\"\" title=\"\"><\/p>\n<p><b>Yabanc\u0131 ilgi g\u00f6stermedi yerlilere 3 sat\u0131\u015f ger\u00e7ekle\u015fti<\/b><\/p>\n<p>Son yasal reformlar\u0131n takipteki krediler (NPL) piyasas\u0131nda daha fazla yabanc\u0131 yat\u0131r\u0131m\u0131n \u00f6n\u00fcn\u00fc a\u00e7sa da ilginin \u00e7ok d\u00fc\u015f\u00fck kald\u0131\u011f\u0131na dikkat \u00e7ekilen S&#038;P analizinde,\u00a0 2022&#8217;de \u015fu ana kadar hepsi yerel varl\u0131k y\u00f6netim \u015firketleri olmak \u00fczere sadece \u00fc\u00e7 NPL sat\u0131\u015f\u0131 oldu\u011fu aktar\u0131ld\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) Temmuz 2021&#8217;de bankalar ve mali kurulu\u015flar\u0131n, \u2018donuk\u2019 alacaklar\u0131n yan\u0131 s\u0131ra \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc \u00e7ekilen aktif alacaklar\u0131n\u0131 da varl\u0131k y\u00f6netim \u015firketlerine satabilmelerinin \u00f6n\u00fc a\u00e7\u0131lm\u0131\u015ft\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ABD merkezli S&#038;P Global, T\u00fcrk bankalar\u0131n\u0131n sorunlu kredi stokunun 46 milyar dolar\u0131 a\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klarken \u2018k\u00f6t\u00fc bor\u00e7\u2019 krizinin b\u00fcy\u00fcd\u00fc\u011f\u00fcne i\u015faret &#8230;<\/p>\n","protected":false},"author":1,"featured_media":51390,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1522,750,972,64,9133],"class_list":["post-51389","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-borc","tag-kredi","tag-milyar","tag-sorunlu-kredi"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51389"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51389\/revisions"}],"predecessor-version":[{"id":51391,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51389\/revisions\/51391"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/51390"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}