DenizBank Genel M\u00fcd\u00fcr\u00fc Hakan Ate\u015f, bankac\u0131l\u0131k sekt\u00f6r\u00fc ve DenizBank a\u00e7\u0131s\u0131ndan 2022 geli\u015fmelerini ve 2023\u2019ten beklentilerini payla\u015ft\u0131.<\/p>\n
Ate\u015f, gelecek y\u0131l T\u00fcrkiye\u2019de b\u00fcy\u00fcmenin y\u00fczde 5\u2019in \u00fczerinde kalmas\u0131n\u0131 beklediklerini belirterek, \u201cEnflasyonun baz etkisiyle ilk yar\u0131da y\u00fczde 40\u2019lara do\u011fru h\u0131zla gerileyece\u011fini, kredilerin de enflasyona paralel bir art\u0131\u015f trendinde olmas\u0131n\u0131 \u00f6ng\u00f6r\u00fcyoruz\u201d dedi.<\/p>\n
\u00d6ng\u00f6r\u00fclmesi zor bir d\u00f6nemden ge\u00e7ildi\u011fini anlatan Ate\u015f, salg\u0131n sonras\u0131 k\u00fcresel ekonomide g\u00fc\u00e7l\u00fc bir toparlanma, bor\u00e7luluklar\u0131n artmas\u0131 ve enflasyonun y\u00fckselmesinin beklendi\u011fini, ancak Rusya-Ukrayna sava\u015f\u0131n\u0131n ba\u015flamas\u0131 ve \u00c7in\u2019in s\u0131f\u0131r Kovid-19 politikas\u0131n\u0131 uygulamas\u0131 ile beklenen g\u00fc\u00e7l\u00fc 2022 y\u0131l\u0131n\u0131n gelmedi\u011fini ifade etti.<\/p>\n
\u2018SIKINTILARIN YA\u015eANACA\u011eI B\u0130R YIL OLACAK\u2019<\/b><\/p>\n
Ate\u015f, bu geli\u015fmelerle enflasyonun \u00e7ok daha yukar\u0131 \u00e7\u0131kt\u0131\u011f\u0131n\u0131 ve bir\u00e7ok merkez bankas\u0131n\u0131n para politikas\u0131nda s\u0131k\u0131la\u015fma \u015fiddetini art\u0131rmak zorunda kald\u0131\u011f\u0131n\u0131 belirterek, \u201cHalihaz\u0131rda enflasyonla m\u00fccadele devam ediyor. Bu da demek oluyor ki 2023, faiz oranlar\u0131n\u0131n y\u00fcksek seviyelerini korudu\u011fu, \u00fcretim ve istihdam s\u0131k\u0131nt\u0131lar\u0131n\u0131n ya\u015fanaca\u011f\u0131 bir y\u0131l olacak\u201d diye konu\u015ftu.<\/p>\n
Uluslararas\u0131 kurumlar\u0131n gelecek d\u00f6nem b\u00fcy\u00fcme tahminlerini her revizyonda daha a\u015fa\u011f\u0131ya \u00e7ekti\u011fini, enflasyon beklentilerini ise yukar\u0131 g\u00fcncelledi\u011fini aktaran Ate\u015f, \u015funlar\u0131 kaydetti:<\/p>\n
\u201cBenim beklentim k\u00fcresel enflasyonist s\u00fcrece ili\u015fkin belirsizli\u011fin 2023\u2019\u00fcn ilk yar\u0131s\u0131nda ortadan kalkmas\u0131yla beklentilerin olumluya d\u00f6n\u00fc\u015fece\u011fi, \u00f6zellikle ikinci yar\u0131da para politikas\u0131ndaki s\u0131k\u0131la\u015fman\u0131n etkisini belirgin \u015fekilde g\u00f6r\u00fclmeye ba\u015flayaca\u011f\u0131 y\u00f6n\u00fcnde\u201d<\/p>\n
\u2018KRED\u0130 ARTI\u015eI ENFLASYONUN GER\u0130S\u0130NDE KALIYOR\u2019<\/b><\/p>\n
Bankalar\u0131n sermaye yeterlilik oran\u0131n\u0131n y\u00fczde 19\u2019un \u00fczerinde oldu\u011funu aktaran Ate\u015f, aktif kalitesinde de bozulma g\u00f6r\u00fcnmedi\u011fine i\u015faret etti.<\/p>\n
Ate\u015f, sorunlu kredi oran\u0131n\u0131n y\u00fczde 2 d\u00fczeyinde istikrarl\u0131 seyrini korudu\u011funu, mevduatlar\u0131n y\u00fczde 56 payla bankalar\u0131n en \u00f6nemli fonlama kayna\u011f\u0131 olmaya devam etti\u011fini vurgulayarak, \u015funlar\u0131 s\u00f6yledi:<\/p>\n
\u201cKredi art\u0131\u015f\u0131 yabanc\u0131 para kredilerdeki geri \u00e7ekilmenin de etkisiyle y\u00fczde 50\u2019lerde ve y\u0131ll\u0131k enflasyonun gerisinde kal\u0131yor. Yani bu y\u0131l i\u00e7in reel bir kredi b\u00fcy\u00fcmesinden bahsedemiyoruz. Buna mukabil 2022\u2019de \u00f6zellikle politika faizinde ya\u015fanan geri \u00e7ekilme ve enflasyona endeksli tahviller banka karlar\u0131n\u0131 destekledi\u201d<\/p>\n
\u2018NET FA\u0130Z MARJI DARALIYOR\u2019<\/b><\/p>\n
\u00d6n\u00fcm\u00fczdeki y\u0131l enflasyonun baz etkisiyle y\u0131l\u0131n ilk yar\u0131s\u0131nda y\u00fczde 40\u2019lara do\u011fru h\u0131zla gerileyece\u011fini vurgulayan Ate\u015f \u015f\u00f6yle devam etti;<\/p>\n
\u201cKredilerin de enflasyona paralel bir art\u0131\u015f trendinde olmas\u0131n\u0131 \u00f6ng\u00f6r\u00fcyoruz. Gelecek y\u0131l d\u0131\u015f fonlama giri\u015finin yava\u015f seyretmesi ve mevduat rekabetinin artmas\u0131, fonlama maliyetlerinin y\u00fckselmesine neden olabilir. Ayr\u0131ca mevduattaki geli\u015fmelerin yan\u0131nda reg\u00fclasyonlar sebebiyle ticari kredi faizlerindeki gerileme net faiz marj\u0131n\u0131 daralt\u0131c\u0131 etki yarat\u0131yor\u201d<\/p>\n
\u00a0<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
2023 \u00f6ng\u00f6r\u00fclerini payla\u015fan DenizBank Genel M\u00fcd\u00fcr\u00fc Hakan Ate\u015f, “Gelecek y\u0131l d\u0131\u015f fonlama giri\u015finin yava\u015f seyretmesi ve mevduat rekabetinin artmas\u0131, fonlama maliyetlerinin y\u00fckselmesine neden olabilir” dedi.<\/p>\n","protected":false},"author":1,"featured_media":67550,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1277,60,280,3255,972],"class_list":["post-67549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-ates","tag-enflasyon","tag-enflasyonun","tag-etki","tag-kredi"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/67549","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=67549"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/67549\/revisions"}],"predecessor-version":[{"id":67551,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/67549\/revisions\/67551"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/67550"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=67549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=67549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=67549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}