Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re 14 Nisan itibar\u0131yla 102.3 milyar dolara ula\u015fan KKM hesaplar\u0131 toplam 531 milyar dolar b\u00fcy\u00fckl\u00fckteki d\u00f6viz ve TL mevduat\u0131n art\u0131k \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc olu\u015fturuyor.<\/p>\n
Bayramdan \u00f6nceki iki haftada olu\u015fan yo\u011fun taleple KKM hesaplar\u0131n\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fc 10 milyar dolar artarken bu d\u00f6nemde KKM\u2019de ayl\u0131k getiri TL baz\u0131nda iki kat\u0131na \u00e7\u0131karak %20\u2019yi a\u015ft\u0131.<\/p>\n
BANKACILARDAN \u2018D\u00d6V\u0130Z TALEB\u0130 OLU\u015eAB\u0130L\u0130R\u2019 MESAJI<\/strong><\/p>\n Bireysel hesaplar i\u00e7in asgari vade s\u00fcresinin \u00fc\u00e7 aydan bir aya indirilmesiyle birlikte KKM\u2019de vade sonunun daha s\u0131k gelece\u011fine dikkat \u00e7eken bankac\u0131lar se\u00e7im sonras\u0131 her hafta 10 milyar dolar KKM d\u00f6n\u00fc\u015f\u00fc ya\u015fanaca\u011f\u0131na, vadesi dolan KKM hesaplar\u0131 yenilenmez veya TL\u2019ye d\u00f6nmez ise d\u00f6viz talebi olu\u015faca\u011f\u0131na dikkat \u00e7ekiyorlar.<\/p>\n Reuters\u2019\u0131n g\u00f6r\u00fc\u015ft\u00fc\u011f\u00fc \u00fcst d\u00fczey bankac\u0131lar\u0131n verdi\u011fi bilgilere g\u00f6re, son d\u00f6nemde faizlerdeki y\u00fckseli\u015fin iki nedeni bulunuyor. Bunlardan birincisi artan d\u00f6viz talebi nedeniyle sekt\u00f6rde yasal d\u00fczenleme ile s\u0131n\u0131rlanan KKM ve TL mevduat faizlerinin serbest b\u0131rak\u0131lmas\u0131. \u0130kincisi ise se\u00e7im sonras\u0131 TL\u2019nin daha \u00e7ok de\u011fer kaybedece\u011fi endi\u015fesi.<\/p>\n Aralar\u0131nda yabanc\u0131 kurumlar\u0131n da bulundu\u011fu bir\u00e7ok bankac\u0131 \u015fu anda yakla\u015f\u0131k 19.5 seviyesinde bulunan dolar\/TL\u2019de \u201cadil\u201d de\u011feri 23-25 band\u0131nda g\u00f6r\u00fcyor.<\/p>\n Mevcut politikalarla dolar\/TL\u2019nin kamu taraf\u0131ndan 14 May\u0131s\u2019ta yap\u0131lacak se\u00e7im \u00f6ncesinde olmas\u0131 gerekti\u011finden daha a\u015fa\u011f\u0131da fiyatland\u0131\u011f\u0131 ve TL\u2019nin de\u011fer kaybetmesi gerekti\u011fine ili\u015fkin artan g\u00f6r\u00fc\u015fler d\u00f6vize ilgiyi art\u0131ran ana unsur. TCMB ise artan d\u00f6viz talebini s\u0131n\u0131rlamak i\u00e7in sadece ge\u00e7en hafta 5.4 milyar dolar rezerv kaybetti.<\/p>\n \u201cSE\u00c7\u0130M SONRASI KALICI Y\u00dcKSEK M\u0130KTARDA \u0130TFANIN HER HAFTA YA\u015eANDI\u011eINI G\u00d6RECE\u011e\u0130Z\u201d<\/strong><\/p>\n \u00d6zel sekt\u00f6rden \u00fcst d\u00fczey bir bankac\u0131, \u201cKKM\u2019de art\u0131k \u00e7ok daha s\u0131k vade sonu geldi\u011finden hesaplar biraz zorla\u015facak. Ancak bu bize yeni bir d\u00f6nem getirecek. \u0130lk etapta her hafta yenilenmesi gereken KKM itfas\u0131 10 milyar dolara ula\u015facak. Se\u00e7im sonras\u0131 kal\u0131c\u0131 y\u00fcksek miktarda itfan\u0131n her hafta ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6rece\u011fiz. Se\u00e7imle yenilemeler nas\u0131l etkilenecek ve bu nas\u0131l bir d\u00f6viz talebi yaratacak izlemek gerekir\u201d dedi.<\/p>\n Bankalar\u0131n her ay d\u00f6vizden TL\u2019ye mevduatta d\u00f6n\u00fc\u015f\u00fcm hedefi bulunuyor. KKM, TL cinsi mevduat olarak say\u0131ld\u0131\u011f\u0131ndan bankalar\u0131n hedefi yakalamalar\u0131na yard\u0131mc\u0131 oluyor.<\/p>\n Bir ayl\u0131k vadeli KKM hesaplar\u0131na verilen TL faiz %20\u2019nin biraz \u00fczerine \u00e7\u0131karken bankac\u0131lar y\u00fcksek montanl\u0131 i\u015flemlerde getirinin %24\u2019e ula\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n VADE SONU ARTIK \u00c7OK SIK GELECEK<\/strong><\/p>\n \u0130lk a\u00e7\u0131ld\u0131\u011f\u0131nda kurumlar i\u00e7in alt\u0131 ve bir y\u0131l vadeli olarak ba\u015flayan KKM hesaplar\u0131n\u0131n asgari vadesi bir aya kadar indirildi.<\/p>\n Reuters\u2019\u0131n hesaplamalar\u0131na ba\u015fvurdu\u011fu d\u00f6rt bankac\u0131 bu hafta 8 milyar dolar, ertesi hafta 6 milyar dolar, se\u00e7im sonras\u0131 hafta 11-12 milyar dolar olmak \u00fczere \u00f6n\u00fcm\u00fczdeki d\u00f6nemde her hafta belirgin KKM itfas\u0131 ger\u00e7ekle\u015fece\u011fini tahmin ediyorlar.<\/p>\n KKM hesaplar\u0131n\u0131n vade sonu tarihleri, \u00f6zellikle y\u00fckl\u00fc miktarda itfa olan d\u00f6nemlerde yak\u0131ndan izleniyor. Son olarak ge\u00e7en y\u0131l yaz aylar\u0131nda y\u00fcksek miktarda KKM hesab\u0131n\u0131n vadesi dolmu\u015ftu. Vadesi dolan KKM\u2019nin yakla\u015f\u0131k \u00fc\u00e7te bir oran\u0131nda d\u00f6viz talebi olu\u015fmu\u015f, %15 oran\u0131nda TL\u2019ye ge\u00e7i\u015f g\u00f6r\u00fclm\u00fc\u015f, geriye kalan %55 ise yenileme ile tamamlanm\u0131\u015ft\u0131. Ge\u00e7en aya kadar cazip getiri sunmad\u0131\u011f\u0131 gerek\u00e7esiyle KKM\u2019ye ilgi azal\u0131yordu.<\/p>\n Bankac\u0131lar 14 May\u0131s\u2019ta ilk turu ger\u00e7ekle\u015fecek se\u00e7imler sonras\u0131 KKM\u2019nin devam edip etmeyece\u011finin net olmad\u0131\u011f\u0131na da dikkat \u00e7ekiyor. Bu nedenle se\u00e7im sonras\u0131nda y\u00fcksek kal\u0131c\u0131 itfa d\u00f6nemlerini d\u00f6viz talebi yarat\u0131p yaratmayaca\u011f\u0131n\u0131n izlenece\u011fine dikkat \u00e7ekiyorlar.<\/p>\n KKM faizleri bu d\u00f6nemde art\u0131\u015f g\u00f6steren tek faiz de\u011fil. \u0130stisna kalan TCMB politika faizi hari\u00e7 t\u00fcm faizler art\u0131\u015f trendinde. REUTERS<\/p>\n","protected":false},"excerpt":{"rendered":" Kur korumal\u0131 mevduat (KKM) hesaplar\u0131na olan ilgi, May\u0131s ortas\u0131ndaki se\u00e7imlerden sonra d\u00f6vizde y\u00fckseli\u015f g\u00f6r\u00fclece\u011fi endi\u015fesi ve s\u0131n\u0131rlar\u0131n kald\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndan iki kat\u0131na \u00e7\u0131kan faizlerin etkisiyle son haftalarda keskin art\u0131\u015f kaydetti.<\/p>\n","protected":false},"author":1,"featured_media":82130,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[759,731,2820,840,11319],"class_list":["post-82129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-donem","tag-faiz","tag-kkm","tag-milyar-dolar","tag-vade"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/82129","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=82129"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/82129\/revisions"}],"predecessor-version":[{"id":82131,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/82129\/revisions\/82131"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/82130"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=82129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=82129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=82129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}