ABD\u2019li y\u00f6netim dan\u0131\u015fman\u0131 \u015firketi Bain & Company ile Jupiter Intelligence, d\u00fcnya \u00e7ap\u0131nda toplam varl\u0131klar bak\u0131m\u0131ndan en b\u00fcy\u00fck 50 banka \u00fczerinde bir de\u011ferlendirme yapt\u0131 ve bankalar\u0131n kredilendirme stratejilerini k\u00fcresel \u0131s\u0131nma kaynakl\u0131 risklerdeki art\u0131\u015f\u0131 g\u00f6z \u00f6n\u00fcne alarak uyarlamalar\u0131 konusunda uyar\u0131larda bulundu.<\/p>\n
Ara\u015ft\u0131rma, d\u00fcnyada mortgage kredisi verme stratejilerinde iklim de\u011fi\u015fikli\u011fine ba\u011fl\u0131 fiziksel riskleri g\u00f6z \u00f6n\u00fcne alan bankalar\u0131n az\u0131nl\u0131kta oldu\u011funu ortaya koydu.<\/p>\n
\u0130klim de\u011fi\u015fikli\u011finin sonu\u00e7lar\u0131n\u0131n giderek daha belirgin hale geldi\u011fi, bankalar\u0131n haz\u0131rl\u0131ks\u0131z yakalanmamak i\u00e7in dikkat etmeye ba\u015flamas\u0131 gerekti\u011fine vurgu yap\u0131lan ara\u015ft\u0131rmada, \u201cAnalizlere g\u00f6re mortgage portf\u00f6yleri yan hasarlar bak\u0131m\u0131ndan y\u00fczde 10-15 zarara u\u011frayabilir\u201d denildi.<\/p>\n
Ara\u015ft\u0131rmada, \u201cFiziksel risklerin k\u00fcresel d\u00fczeyde, \u00fclkelere g\u00f6re farkl\u0131 yo\u011funlukta ve etki h\u0131z\u0131nda artmas\u0131 bekleniyor\u201d ifadeleri yer ald\u0131.<\/p>\n
\u2018K\u00c2RLILI\u011eI Y\u00dcZDE 7-10 ARALI\u011eINDA D\u00dc\u015e\u00dcREB\u0130L\u0130R\u2019<\/b><\/p>\n
S\u00f6z konusu \u00e7al\u0131\u015fma, halihaz\u0131rda Finansal \u0130stikrar Kurulu\u2019nun (FBS) \u0130klimle \u0130lgili Mali Beyan G\u00f6rev G\u00fcc\u00fc\u2019ne (TCFD) ba\u011fl\u0131 bankalar\u0131 i\u00e7eriyor.<\/p>\n
Avrupa bankalar\u0131na ili\u015fkin analizde, yaln\u0131zca y\u00fczde 18’inin mortgage verme stratejilerine fiziksel riskleri entegre etti\u011fini ortaya koydu.<\/p>\n
Ba\u015fka bir deyi\u015fle, Avrupa bankalar\u0131n\u0131n b\u00fcy\u00fck \u00e7o\u011funlu\u011fu strateji tan\u0131mlar\u0131na, denetleme s\u00fcre\u00e7lerine, hedef belirleme s\u00fcrecine, \u00fcr\u00fcn arz\u0131na veya m\u00fc\u015fteri angajman\u0131na fiziksel riskleri hen\u00fcz katmam\u0131\u015f durumda.<\/p>\n
Bain ve Jupiter ayr\u0131ca, Avrupa merkezli bir banka i\u00e7in olas\u0131 finansal sonu\u00e7lar\u0131 sim\u00fcle ederek s\u00f6z konusu de\u011fi\u015fimlerin bankalar\u0131n varl\u0131klar\u0131 ve k\u00e2rl\u0131l\u0131\u011f\u0131 \u00fczerinde olu\u015fturabilece\u011fi etkileri ortaya \u00e7\u0131kard\u0131.<\/p>\n
Hafifletici \u00f6nlemlerin al\u0131nmamas\u0131 durumunda, s\u00f6z konusu \u00f6rnek bankan\u0131n mortgage teminat de\u011ferlerinin y\u00fczde 10-15 oran\u0131nda d\u00fc\u015febilece\u011fi g\u00f6r\u00fcld\u00fc. Bu durum s\u00f6z konusu bankalar\u0131n mortgage k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 y\u00fczde 7-10 oran\u0131nda d\u00fc\u015f\u00fcrebilir.<\/p>\n
\u2018ABD TOPRAKLARININ Y\u00dcZDE 43\u2019\u00dc TEHL\u0130KE ALTINDA\u2019<\/b><\/p>\n
Ara\u015ft\u0131rmada ayr\u0131ca, d\u00fcnya \u00e7ap\u0131nda fiziksel risk tehlikeleriyle kar\u015f\u0131 kar\u015f\u0131ya kalmas\u0131 beklenen topraklar\u0131n gitgide artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n
\u201cABD topraklar\u0131n\u0131n y\u00fczde 43’\u00fc halihaz\u0131rda fiziksel tehlike alt\u0131nda, bu oran\u0131n 2050’de y\u00fczde 65’i bulmas\u0131 bekleniyor\u201d denilen ara\u015ft\u0131rmada \u015fu ifadeler dikkat \u00e7ekti:<\/p>\n
\u201cEndonezya’da \u015fu anda y\u00fczde 31 olan bu oran\u0131n 2050’de y\u00fczde 97’ye y\u00fckselece\u011fi tahmin ediliyor. Avrupa \u00fclkeleri de ayn\u0131 zaman aral\u0131\u011f\u0131nda benzer bir art\u0131\u015f g\u00f6steriyor. Almanya’n\u0131n risk alt\u0131ndaki topraklar\u0131n\u0131n y\u00fczde 33’ten y\u00fczde 68’e, \u0130talya’daki risk alt\u0131ndaki topraklar\u0131n ise y\u00fczde 40’tan y\u00fczde 62’ye y\u00fckselece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor.\u201d<\/p>\n
\u2018T\u00dcRK\u0130YE\u2019DE KONUYLA \u0130LG\u0130L\u0130 Y\u00d6NLEND\u0130RME ARTMALI\u2019<\/b><\/p>\n
Bain & Company k\u0131demli orta\u011f\u0131 ve firman\u0131n S\u00fcrd\u00fcr\u00fclebilir ve Sorumlu Finansal Hizmetler departman\u0131 y\u00f6neticisi Camille Goossens, konu hakk\u0131nda \u015fu yorumlarda bulundu:<\/p>\n
\u201c\u0130klim de\u011fi\u015fikli\u011fi, d\u00fcnya \u00e7ap\u0131nda menkul ve gayrimenkul mallar \u00fczerinde derin bir etki b\u0131rak\u0131rken hi\u00e7bir pazar\u0131n buna kar\u015f\u0131 bir ba\u011f\u0131\u015f\u0131kl\u0131\u011f\u0131 s\u00f6z konusu olmayacak. Halihaz\u0131rda bankalar\u0131n iklim de\u011fi\u015fikli\u011fi risklerine \u00e7\u00f6z\u00fcm bulma stratejileri olduk\u00e7a s\u0131n\u0131rl\u0131 durumda.\u201d<\/p>\n
Bain \u0130stanbul Ortaklar\u0131ndan Onur Kayahan ise T\u00fcrkiye’deki bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn s\u00f6z konusu d\u00f6n\u00fc\u015f\u00fcme ve iklim risklerine giderek daha fazla ilgi g\u00f6sterdi\u011fini s\u00f6yledi ancak \u201cBu konunun daha fazla \u00f6n plana \u00e7\u0131kmas\u0131n\u0131, rehberlik ve y\u00f6nlendirmelerin artmas\u0131n\u0131 bekliyoruz\u201d diye konu\u015ftu.<\/p>\n","protected":false},"excerpt":{"rendered":"
ABD’li y\u00f6netim dan\u0131\u015fmanl\u0131\u011f\u0131 \u015firketi Bain&Company, kredilendirme stratejisinde iklim de\u011fi\u015fikli\u011fine ba\u011fl\u0131 fiziksel riskleri g\u00f6z \u00f6n\u00fcne almayan bankalara k\u00e2rl\u0131l\u0131k uyar\u0131s\u0131nda bulundu.<\/p>\n","protected":false},"author":1,"featured_media":97210,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,2303,2395,161,7054],"class_list":["post-97209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-iklim","tag-mortgage","tag-risk","tag-strateji"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/97209","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=97209"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/97209\/revisions"}],"predecessor-version":[{"id":97211,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/97209\/revisions\/97211"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/97210"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=97209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=97209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=97209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}