Birol BOZKURT<\/strong><\/p>\n Bankalar Kur Korumal\u0131 Mevduat (KKM) hesaplar\u0131ndan \u00e7\u0131k\u0131\u015f s\u00fcrecini h\u0131zland\u0131rmak i\u00e7in harekete ge\u00e7ti. Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek\u2019in kademeli bir \u015fekilde KKM\u2019den \u00e7\u0131k\u0131laca\u011f\u0131n\u0131 a\u00e7\u0131klamas\u0131n\u0131n ard\u0131ndan g\u00f6zler bankalara \u00e7evrildi. Kamu bankalar\u0131 genel olarak politika faizinin 3 puan \u00fcst\u00fcn\u00fc yani y\u00fczde 28 faiz verirken bir\u00e7ok \u00f6zel banka KKM\u2019de yeni giri\u015f ekran\u0131n\u0131 kapatt\u0131. Bankac\u0131l\u0131k kaynaklar\u0131 KKM\u2019den \u00e7\u0131k\u0131\u015f oranlar\u0131n\u0131n y\u00fczde 20\u2019yi a\u015ft\u0131\u011f\u0131n\u0131 y\u00fczde 70\u2019e yak\u0131n bir yenileme oran\u0131 oldu\u011funu ve y\u00fczde 8-9 civar\u0131nda da KKM\u2019den TL\u2019ye d\u00f6n\u00fc\u015f oldu\u011funu s\u00f6yl\u00fcyor.<\/p>\n Bankalar KKM\u2019den d\u00f6n\u00fc\u015f i\u00e7in faizleri art\u0131rd\u0131<\/strong><\/p>\n Kamu bankalar\u0131 TL mevduat faizlerinde y\u00fczde 37-38 teklif ederken KKM\u2019den d\u00f6nen TL mevduatlarda ise faiz oran\u0131 y\u00fczde 43\u2019e kadar \u00e7\u0131k\u0131yor. TL mevduat faizlerinin y\u00fczde 33\u2019lerden ba\u015flad\u0131\u011f\u0131 \u00f6zel bankalar\u0131n bir k\u0131sm\u0131 yeni KKM giri\u015flerini kapatt\u0131. \u00d6zel bankalarda KKM\u2019den TL\u2019ye d\u00f6nen mevduatlar i\u00e7in faiz oranlar\u0131 ise y\u00fczde 45\u2019e kadar \u00e7\u0131k\u0131yor. Bu durumda ufak bir hesaplama yapacak olursak y\u00fczde 33 faiz uygulanan 1 milyon TL\u2019lik bir TL mevduat sahibi 3 ayl\u0131k vadeyi se\u00e7ti\u011finde ayl\u0131k 29 bin TL para al\u0131rken, KKM\u2019den \u00e7\u0131karak TL mevduata paras\u0131n\u0131 yat\u0131ran ve 3 ayl\u0131k vadeyi se\u00e7en mudi 1 milyon TL\u2019sine kar\u015f\u0131l\u0131k ayl\u0131k olarak yakla\u015f\u0131k 38 bin TL alacak. Uzmanlar KKM\u2019ye girerken kazananlar\u0131n \u00e7\u0131karken de kazanmaya devam etti\u011fini vurguluyor.<\/p>\n KKM\u2019den \u00e7\u0131k\u0131\u015flar y\u00fczde 20\u2019yi a\u015ft\u0131<\/strong><\/p>\n \u00a0Bankac\u0131l\u0131k kaynaklar\u0131 Kur Korumal\u0131 Mevduat hesaplar\u0131ndan \u00e7\u0131kanlar\u0131n oran\u0131 y\u00fczde 20\u2019yi a\u015farken \u00e7\u0131kan paran\u0131n \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn d\u00f6viz, alt\u0131n ve hisse yat\u0131r\u0131m\u0131na gitti\u011fini s\u00f6yl\u00fcyor. Kaynaklar KKM hesaplar\u0131ndan TL\u2019ye d\u00f6n\u00fc\u015f oranlar\u0131n\u0131n y\u00fczde 8-9\u2019larda kald\u0131\u011f\u0131n\u0131 hala b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fcn\u00fcn yani y\u00fczde 70 civar\u0131nda bir oran\u0131n KKM\u2019de kalmaya devam etti\u011fine dikkat \u00e7ekiyor. Kur korumal\u0131 mevduatlarda (KKM) ge\u00e7en hafta yine geriledi. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re KKM b\u00fcy\u00fckl\u00fc\u011f\u00fc ge\u00e7en hafta 20,3 milyar TL d\u00fc\u015f\u00fc\u015fle 3,35 trilyon TL olarak kaydedildi. \u00d6nceki haftayla birlikte son iki haftada KKM\u2019de d\u00fc\u015f\u00fc\u015f 60 milyar TL\u2019yi buldu. Dolar cinsinden bak\u0131ld\u0131\u011f\u0131nda ise KKM b\u00fcy\u00fckl\u00fc\u011f\u00fc 125,6 milyar dolar oldu.<\/p>\n \u201cKKM\u2019den kademeli \u00e7\u0131k\u0131\u015f \u00f6ng\u00f6r\u00fcyoruz\u201d<\/strong><\/p>\n KKM\u2019den bir \u00e7\u0131k\u0131\u015f stratejileri oldu\u011funu ve kademeli olarak gideceklerinin alt\u0131n\u0131 \u00e7izen Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek, \u201cKKM \u015fu anda bir realitedir. Bu realiteden zamanla bir \u00e7\u0131k\u0131\u015f stratejisi ortaya koyaca\u011f\u0131z. Mevduat sahipleri m\u00fcsterih olsun. Kendileri a\u00e7\u0131s\u0131ndan herhangi bir \u00f6nemli de\u011fi\u015fikli\u011fe gitmeyece\u011fiz. Lira mevduat\u0131n\u0131 cazip hale getirdi\u011fimizde, \u00fclkede makro finansal istikrar\u0131 kal\u0131c\u0131 \u015fekilde tesis ettik\u00e7e, rezervlerimizi g\u00fc\u00e7lendirdik\u00e7e farkl\u0131 bir strateji izleyebiliriz. Bug\u00fcn itibar\u0131yla KKM devam edecek. D\u00f6nemsel olarak birtak\u0131m konularda y\u00f6nlendirme noktas\u0131nda bankalar i\u00e7in makro ihtiyati bir \u00e7er\u00e7eve ortaya koyabiliriz.\u201d ifadelerini kulland\u0131.<\/p>\n ,<\/p>\n<\/p><\/div>\n![\"\"](\"https:\/\/i.dunya.com\/storage\/files\/images\/2023\/09\/12\/1-zeef.jpg\")
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