T\u00fcrkiye Bankalar Birli\u011fi (TBB), \u2018kredi gruplamalar\u0131’ raporunu yay\u0131mlad\u0131. Buna g\u00f6re, \u2018II. grup’ olarak s\u0131n\u0131fland\u0131r\u0131lan \u2018yak\u0131n izlemedeki kredi’ miktar\u0131 2022 sonunda 2021’in ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 19.5 art\u0131\u015fla 649 milyar TL’ye y\u00fckseldi. Tahsili gecikmi\u015f alacak olarak III., IV. ve V. gruplarda s\u0131n\u0131fland\u0131r\u0131lan, tahsil imkan\u0131 s\u0131n\u0131rl\u0131, tahsili \u015f\u00fcpheli ve zarar niteli\u011findeki krediler ise 2022’de 5 milyar TL art\u0131\u015fla 154 milyar TL oldu.<\/p>\n
B\u00dcY\u00dcK YAPILANDIRMA<\/strong><\/p>\n TBB verilerine g\u00f6re, yeniden yap\u0131land\u0131r\u0131lan kredi stoku ise 2022’de 424 milyar TL’ye y\u00fckseldi. Bu tutar, 2019’da 151 milyar TL, 2020’de 192 milyar TL, 2021’de 320 milyar TL seviyelerindeydi. Rapora g\u00f6re yeniden yap\u0131land\u0131r\u0131lan kredilerin y\u00fczde 91’i \u00f6deme kapasiteleri \u00e7ok s\u0131n\u0131rl\u0131, teminatlar\u0131nda eksiklikler olu\u015fmu\u015f veya kredi taksitleri gecikmi\u015f olan ikinci gruptaki yak\u0131n izlemedeki bor\u00e7lardan olu\u015ftu. Kalan y\u00fczde 9’luk tutar ise \u2018bat\u0131k’ diye adland\u0131r\u0131lan tahsil imkan\u0131 s\u0131n\u0131rl\u0131, \u015f\u00fcpheli ve zarar niteli\u011findeki kredilerden olu\u015ftu.<\/p>\n 345 milyar TL kar\u015f\u0131l\u0131k ayr\u0131ld\u0131<\/b><\/p>\n Bankalar\u0131n tahsili gecikmi\u015f alacaklar\u0131n\u0131n y\u00fczde 38.5’ine denk gelen 133 milyar TL’lik \u00f6zel kar\u015f\u0131l\u0131k ayr\u0131ld\u0131. Yak\u0131n izlemedeki kredilerin y\u00fczde 61.5’ine denk gelen 212 milyar TL tutar\u0131nda da genel kar\u015f\u0131l\u0131k ayr\u0131ld\u0131. Kar\u015f\u0131l\u0131klar toplamda 2022’de y\u00fczde 44’l\u00fck art\u0131\u015fla 239 milyar TL’den 345 milyar TL’ye y\u00fckseldi. Sorunlu kredilerin toplam kredilere oran\u0131 y\u00fczde 10.8 oldu.<\/p>\n","protected":false},"excerpt":{"rendered":" Merkez Bankas\u0131 d\u00f6viz talebini k\u0131s\u0131tlamak i\u00e7in talimatlar\u0131na yenilerini eklerken\u00a0 bankac\u0131l\u0131k sisteminin \u2018sorunlu krediler\u2019 riski de b\u00fcy\u00fcyor. \u015eimdilerde sadece d\u00f6viz mevduattan TL\u2019ye d\u00f6n\u00fc\u015f\u00fcme odaklanan bankalar i\u00e7in bilan\u00e7olarda b\u00fcy\u00fcyen 803 milyar liral\u0131k sorunlu kredi hacmi \u00f6n\u00fcm\u00fczdeki d\u00f6nemin en \u00f6nemli sorunlar\u0131ndan olacak.<\/p>\n","protected":false},"author":1,"featured_media":83967,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[10759,11450],"class_list":["post-83966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-krediler","tag-tahsil"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/83966","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=83966"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/83966\/revisions"}],"predecessor-version":[{"id":83968,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/83966\/revisions\/83968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/83967"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=83966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=83966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=83966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}