{"id":6070,"date":"2024-01-24T10:52:00","date_gmt":"2024-01-24T07:52:00","guid":{"rendered":"https:\/\/es-exchange.com\/haberler\/?p=6070"},"modified":"2024-01-24T10:52:00","modified_gmt":"2024-01-24T07:52:00","slug":"son-ceyrekte-faiz-indirim-surecine-girilecegi-ongorusu","status":"publish","type":"post","link":"https:\/\/es-exchange.com\/haberler\/?p=6070","title":{"rendered":"Son \u00e7eyrekte faiz indirim s\u00fcrecine girilece\u011fi \u00f6ng\u00f6r\u00fcs\u00fc"},"content":{"rendered":"
\n

\n\tTBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, Ziraat Bankas\u0131n\u0131n \u0130stanbul Finans Merkezi’ndeki genel m\u00fcd\u00fcrl\u00fck binas\u0131nda d\u00fczenlenen toplant\u0131da, ekonomi ve bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki geli\u015fmeleri de\u011ferlendirdi, 2024’e ili\u015fkin beklentilerini payla\u015ft\u0131.<\/p>\n

\n\t2022 ve 2023’\u00fcn, b\u00fct\u00fcn d\u00fcnyada “enflasyonla m\u00fccadele y\u0131llar\u0131” olarak ge\u00e7ti\u011fini ifade eden \u00c7akar, k\u00fcresel ekonomide ciddi bir yava\u015flama oldu\u011funu, b\u00fcy\u00fcmenin sorun olmaya ba\u015flad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\tT\u00fcrkiye’nin b\u00fcy\u00fcme konusunda her zaman pozitif ayr\u0131\u015ft\u0131\u011f\u0131n\u0131, 1923 ila 2022 y\u0131llar\u0131 aras\u0131nda ortalama b\u00fcy\u00fcmesinin y\u00fczde 4,8, 2003-2023’teki b\u00fcy\u00fcmenin y\u00fczde 5,4 oldu\u011funu kaydeden \u00c7akar, T\u00fcrkiye’de b\u00fcy\u00fcmenin 2023’te muhtemelen y\u00fczde 4,5 olarak ger\u00e7ekle\u015fece\u011fini, 2024’te de y\u00fczde 4 olarak \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc, yurt d\u0131\u015f\u0131nda ya\u015fanan geli\u015fmeler nedeniyle b\u00fcy\u00fcmenin i\u00e7 talep kaynakl\u0131 oldu\u011funu, bunun \u00e7ok arzu edilen bir durum olmad\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

\n\tOVP’yi \u00e7ok ger\u00e7ek\u00e7i buldu\u011funu ifade eden \u00c7akar, enflasyon konusunda bir miktar iddial\u0131 olmakla birlikte b\u00fct\u00fcn olarak bak\u0131ld\u0131\u011f\u0131nda OVP’nin, ciddi, tutarl\u0131 ve \u00f6ng\u00f6r\u00fclebilir bir program oldu\u011funu vurgulad\u0131.<\/p>\n

\n\tEnflasyonun bu y\u0131l y\u00fczde 40-45 band\u0131nda \u015fekillenece\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc aktaran \u00c7akar, “Enflasyon, may\u0131s ay\u0131nda en \u00fcst d\u00fczeye gelip d\u00fc\u015f\u00fc\u015fe ge\u00e7ecek. Mevcut uygulanan politikalarda bence asla acele etmemek laz\u0131m. Bence enflasyonun y\u00fczde 40-45’lere inmesi zaten ola\u011fan, bu olacak. \u00d6nemli olan enflasyonun yap\u0131\u015fkan olmadan, kal\u0131c\u0131 hale gelmeden d\u00fc\u015f\u00fcr\u00fclmesidir. Orada bizim daha dikkatli olmam\u0131z, mevcut politikalar\u0131 daha olgunla\u015ft\u0131rarak devam etmemiz \u00f6nemli.” diye konu\u015ftu.<\/p>\n

\n\t\u00c7akar, OVP’nin \u00e7ok kapsay\u0131c\u0131 oldu\u011funa i\u015faret ederek, “Faiz politikas\u0131 etkin olarak uygulan\u0131yor. Miktarsal s\u0131k\u0131la\u015ft\u0131rma ad\u0131mlar\u0131 hala devam ediyor. Selektif olmayan kredilerde y\u00fczde 2,5 oran\u0131nda b\u00fcy\u00fcyebiliyoruz. TL’nin g\u00fc\u00e7lendirilmesine y\u00f6nelik makroihtiyati tedbirler devam ediyor. Merkez Bankas\u0131, fazla likiditeyi \u00e7ekecek sterilizasyon ad\u0131mlar\u0131n\u0131 atmaya devam ediyor. Zorunlu kar\u015f\u0131l\u0131k oranlar\u0131 \u015fu anda banka bilan\u00e7olar\u0131n\u0131n y\u00fczde 15-16 seviyelerine kadar geldi ki bunlar \u00e7ok ciddi oranlard\u0131r. Bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in de ciddi maliyettir ayn\u0131 zamanda…” de\u011ferlendirmesinde bulundu.<\/p>\n

\n\t“Yap\u0131\u015fkan enflasyonun y\u00f6netimi hayati \u00f6nemde ve ona \u00e7ok dikkat edilmesi gerekir”<\/strong><\/p>\n

\n\tAlpaslan \u00c7akar, yar\u0131n Merkez Bankas\u0131n\u0131n faiz karar\u0131 toplant\u0131s\u0131 oldu\u011funu hat\u0131rlatarak, \u015funlar\u0131 kaydetti:<\/p>\n

\n\t“Ben de herkes gibi d\u00fc\u015f\u00fcn\u00fcyorum. Piyasa faiz oranlar\u0131n\u0131 \u00e7ok fazla etkileyece\u011fini d\u00fc\u015f\u00fcnm\u00fcyorum. Mevduat piyasas\u0131nda \u015fu anda faiz oranlar\u0131 TL cinsinden y\u00fczde 45-50 band\u0131nda. Kredi faiz oranlar\u0131 y\u00fczde 45-55 aras\u0131nda bir bantta gidip geliyor. Dolar faiz oranlar\u0131 kredilerde y\u00fczde 9’lar civar\u0131nda, avro faiz oranlar\u0131 da y\u00fczde 7,5-8 band\u0131nda. Y\u0131l sonuna kadar faiz oranlar\u0131n\u0131n \u00e7ok daha artarak devam edece\u011fi kanaatinde de\u011filim. Merkez Bankas\u0131n\u0131n, faiz art\u0131r\u0131m s\u00fcrecini piyasa beklentisi do\u011frultusunda muhtemelen ocak ay\u0131 itibar\u0131yla tamamlayaca\u011f\u0131 kanaatindeyim.<\/p>\n

\n\tBizim alaca\u011f\u0131m\u0131z kararlar yurt d\u0131\u015f\u0131ndan ba\u011f\u0131ms\u0131z olmayacak. Fed’in may\u0131s, haziran itibar\u0131yla faizleri yava\u015f yava\u015f a\u015fa\u011f\u0131 do\u011fru \u00e7ekece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum. ECB de faizleri d\u00fc\u015f\u00fcrecek. B\u00fct\u00fcn d\u00fcnyada faiz art\u0131r\u0131m s\u00fcrecinin sonuna gelindi\u011fini s\u00f6yleyebiliriz. Onlar faizi indirdiklerinde biz de onlar\u0131n ard\u0131ndan, makro verilerin de \u0131\u015f\u0131\u011f\u0131nda onlar\u0131 takip edece\u011fiz diye d\u00fc\u015f\u00fcn\u00fcyorum. Bizdeki faiz indirim s\u00fcreci, onlardan bir s\u00fcre sonra olacakt\u0131r. Bu ne zaman olabilir? Takvim s\u00f6ylemem \u00e7ok do\u011fru de\u011fil ama son \u00e7eyrek i\u00e7erisinde \u00fclkemizde de faiz indirim s\u00fcrecine do\u011fru gidilece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum. Tabii burada Merkez Bankas\u0131n\u0131n, veri setiyle hareket edece\u011fini tahmin ediyorum, enflasyon oran\u0131na g\u00f6re hareket etmesini bekliyorum. Yap\u0131\u015fkan enflasyonun y\u00f6netimi hayati \u00f6nemde ve ona \u00e7ok dikkat edilmesi gerekir. Bu ba\u011flamda da piyasay\u0131 korumak, reel sekt\u00f6r\u00fc korumak, tekrar potansiyel h\u0131zda b\u00fcy\u00fcmeyi sa\u011flamak ad\u0131na da mevcut baz\u0131 mekanizmalar\u0131n daha aktif \u015fekilde i\u015fletilmesi gerekir. Bunlardan bir tanesi selektif kredi politikas\u0131yd\u0131. Bu se\u00e7ici kredi politikas\u0131na mutlaka devam etmek gerekiyor. YTAK kredileri, piyasay\u0131 korumak ve yat\u0131r\u0131m\u0131 te\u015fvik etmek ad\u0131na \u00e7ok \u00f6nemli. Reeskont \u00fcst limitlerinin art\u0131r\u0131lmas\u0131 da \u00f6nemliydi.”<\/p>\n

\n\tT\u00fcrkiye’nin en b\u00fcy\u00fck probleminin tasarruf oldu\u011funu vurgulayan \u00c7akar, yak\u0131n d\u00f6nemde d\u00fcnya konjonkt\u00fcr\u00fcn\u00fcn hep T\u00fcrkiye aleyhinde oldu\u011funu ancak bu s\u00fcre\u00e7te iyi geli\u015fmeler de kaydedildi\u011fini, enerji maliyetlerini ciddi anlamda azaltacak geli\u015fmeler ya\u015fand\u0131\u011f\u0131n\u0131, turizm ve yurt d\u0131\u015f\u0131 m\u00fcteahhitlik hizmetlerinin de bu s\u00fcrece olumlu katk\u0131 verece\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc aktard\u0131.<\/p>\n

\n\t“Avrupa ve Amerika’dan \u00e7ok ciddi anlamda kaynak giri\u015fi bekliyorum”<\/strong><\/p>\n

\n\tTBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, ABD ve Avrupa’n\u0131n faiz indirimiyle beraber T\u00fcrkiye gibi \u00fclkelere sermaye ak\u0131mlar\u0131 olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc ifade ederek, “Bu da bizim kur \u00fczerindeki bask\u0131y\u0131 azaltacakt\u0131r. Avrupa ve Amerika’dan \u00e7ok ciddi anlamda sermaye giri\u015fi bekliyorum. ABD ve Avrupa’daki faiz indirimleriyle beraber iyi hikayesi olan geli\u015fmekte olan \u00fclkelere ciddi bir ak\u0131\u015f olaca\u011f\u0131n\u0131 tahmin ediyorum.” \u015feklinde konu\u015ftu.<\/p>\n

\n\tYurt d\u0131\u015f\u0131 finansman boyutuna bak\u0131ld\u0131\u011f\u0131nda, se\u00e7im \u00f6ncesi d\u00f6nemde 2,1 milyar dolar \u00e7\u0131k\u0131\u015f, se\u00e7im sonras\u0131 d\u00f6nemde, May\u0131s-Aral\u0131k 2023’te ise 11,5 milyar dolarl\u0131k giri\u015f oldu\u011funu dile getiren \u00c7akar, “Yani 2023’\u00fc 9,3 milyar dolar giri\u015fle kapatt\u0131k. Bu y\u0131l menkul k\u0131ymet ihra\u00e7lar\u0131ndan 1,5 milyar dolar giri\u015f oldu. Bunlar ciddi anlamda giri\u015fin oldu\u011funu g\u00f6steriyor.” dedi.<\/p>\n

\n\tT\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn yurt d\u0131\u015f\u0131 bor\u00e7lanmas\u0131n\u0131n 116 milyar dolar oldu\u011funu, bunun 78 milyar dolar\u0131n\u0131n krediler, 19 milyar dolar\u0131n\u0131n para piyasalar\u0131ndan al\u0131nm\u0131\u015f bor\u00e7lar, 19 milyar dolar\u0131n\u0131n da menkul k\u0131ymet ihrac\u0131yla sa\u011flanm\u0131\u015f kaynaklardan olu\u015ftu\u011funu bildiren \u00c7akar, \u00f6nceki y\u0131llarda yurt d\u0131\u015f\u0131ndan bor\u00e7lanma yaparken d\u00f6nem d\u00f6nem zorluklar ya\u015fanabildi\u011fini ancak \u015fu anda bor\u00e7lanma ve talep noktas\u0131nda hi\u00e7bir sorun kalmad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\t\u00c7akar, “Vadeler uzuyor, maliyet de giderek d\u00fc\u015fecek. Para bulunabiliyor, art\u0131k talep var. Maliyetler de CDS’in d\u00fc\u015fmesiyle beraber gerileyecek.” dedi.<\/p>\n

\n\tKredi notlar\u0131 konusuna de\u011finen \u00c7akar, son zamanlarda gerek \u00fclke gerekse bankalar ve \u015firketlerle ilgili bu konuda g\u00fczel haberler ald\u0131klar\u0131n\u0131 kaydetti.<\/p>\n

\n\t“TL, \u00e7ok cazip olmaya ba\u015flad\u0131”<\/strong><\/p>\n

\n\tAlpaslan \u00c7akar, TL’nin \u00e7ok cazip olmaya ba\u015flad\u0131\u011f\u0131na dikkati \u00e7ekerek, “Yurt d\u0131\u015f\u0131 yat\u0131r\u0131mc\u0131lar, \u00f6nce tahvil ve hisse senedi piyasas\u0131na girer. Bu talebin de olu\u015fmaya ba\u015flad\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Se\u00e7im sonras\u0131 d\u00f6nemde tahvil piyasas\u0131na 2 milyar dolarl\u0131k, hisse senedi piyasas\u0131na 2,5 milyar dolarl\u0131k bir giri\u015f var. Kredi piyasas\u0131nda da giri\u015f var. Dolay\u0131s\u0131yla \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7 itibar\u0131yla bu anlamda, daha do\u011frusu sermaye hareketleri anlam\u0131nda rahat oldu\u011fumuzu, daha pozitif bir gelece\u011fin bizi bekledi\u011fini s\u00f6yleyebilirim.” ifadesini kulland\u0131.<\/p>\n

\n\t\u015eu anda ciddi bir b\u00fct\u00e7e disiplini i\u00e7erisinde hareket edildi\u011fini, b\u00fct\u00e7e disiplini konusunda net bir duru\u015f oldu\u011funu vurgulayan \u00c7akar, \u015f\u00f6yle devam etti:<\/p>\n

\n\t“Kararl\u0131 setin mutlaka devam etmesi laz\u0131m. Sermaye hareketlerinin ba\u015flayacak olmas\u0131 dolay\u0131s\u0131yla kur \u00fczerindeki bask\u0131n\u0131n azalacak olmas\u0131 \u00f6nemli. Enerji, turizm ve yurt d\u0131\u015f\u0131 m\u00fcteahhitlik hizmetlerinin verece\u011fi katk\u0131 \u00f6nemli. Selektif kredi politikas\u0131, YTAK kredileri ve reeskont kredileri hayati \u00f6nemde. YTAK kredileri bu sefer do\u011fru bir kurguyla yap\u0131l\u0131yor. Bunlar\u0131n hepsi dikkate al\u0131nd\u0131\u011f\u0131nda, y\u00fczde 40-45 yap\u0131\u015fkan enflasyonu y\u00f6netmek \u00e7ok \u00f6nemli. Oradaki parasal geni\u015fleme ve gev\u015femeyi kontroll\u00fc g\u00f6t\u00fcrmek gerekti\u011fini s\u00f6yl\u00fcyorum.”<\/p>\n

\n\t“Se\u00e7im sonras\u0131 d\u00f6nem, T\u00fcrkiye’ye ola\u011fan\u00fcst\u00fc bir f\u0131rsat sunuyor”<\/strong><\/p>\n

\n\tTBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, se\u00e7im sonras\u0131 d\u00f6nemin T\u00fcrkiye’ye ola\u011fan\u00fcst\u00fc bir f\u0131rsat sundu\u011funu ifade ederek, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n

\n\t“4,5 y\u0131ll\u0131k istikrarl\u0131 bir d\u00f6nem sunuyor. Bunu mutlaka f\u0131rsata \u00e7evirmek ve de\u011ferlendiriyor olmam\u0131z laz\u0131m. \u00c7\u00fcnk\u00fc hi\u00e7bir se\u00e7imin olmad\u0131\u011f\u0131 bir d\u00f6nemden bahsediyoruz. K\u00fcresel konjonkt\u00fcr\u00fcn de art\u0131k bu problemleri k\u0131smen a\u015ft\u0131\u011f\u0131 bir d\u00f6nem olacak. Bunlar oldu\u011funda o d\u00f6nemi mutlaka ‘do\u011fru reformlar d\u00f6nemi’ olarak de\u011ferlendirmek laz\u0131m. Yap\u0131sal baz\u0131 problemlerimize tamamen e\u011filece\u011fimiz ve bunlar\u0131 y\u00f6netece\u011fimiz bir d\u00f6nem olarak de\u011ferlendirmek gerekiyor.<\/p>\n

\n\tSe\u00e7im sonras\u0131 d\u00f6nemde, \u00f6zellikle mart sonras\u0131 enflasyon noktas\u0131ndaki kararl\u0131 duru\u015fun devam edece\u011fi kanaatindeyim. Enflasyonun y\u00f6netilmesi konusundaki kararl\u0131 duru\u015fun devam edece\u011fi kanaatindeyim. Biz fiyat istikrar\u0131n\u0131 sa\u011flamadan finansal istikrar\u0131 sa\u011flayamay\u0131z. Finansal istikrar\u0131n olmad\u0131\u011f\u0131 bir ekonominin gelece\u011fi olamaz. Do\u011fru bir finansal istikrar i\u00e7in \u00f6ncelikle bu fiyat istikrar\u0131n\u0131, enflasyonu makul seviyelere \u00e7ekme zorunlulu\u011fumuz var. Se\u00e7im sonras\u0131 uygulanan net bir kararl\u0131 duru\u015f var. Bu kararl\u0131 duru\u015fta Say\u0131n Cumhurba\u015fkan\u0131’m\u0131z\u0131n deste\u011fi ile ekonominin b\u00fct\u00fcn payda\u015flar\u0131n\u0131n tam bir mutabakatla ve toplumsal bir s\u00f6zle\u015fme i\u00e7erisinde hareket etti\u011fini g\u00f6r\u00fcyoruz. \u0130\u015f d\u00fcnyas\u0131n\u0131n da program\u0131n arkas\u0131nda oldu\u011funu s\u00f6yleyebilirim. Bizim de bunun arkas\u0131nda net ve kararl\u0131 duru\u015fu g\u00f6stermemiz laz\u0131m. \u00c7\u00fcnk\u00fc OVP bizim i\u00e7in \u00e7ok \u00f6nemli bir yol haritas\u0131, \u00e7ok \u00f6nemli bir \u00e7\u0131pa, ger\u00e7ek\u00e7i bir yakla\u015f\u0131m. Bizim se\u00e7im sonras\u0131 yeni bir hikayemiz var. Bu hikayeye \u015fu anda b\u00fct\u00fcn taraflar inan\u0131yor, arkas\u0131nda duruyor. Biz zaten bu hikayeden vazge\u00e7emeyiz, bunu sonu\u00e7land\u0131rmam\u0131z laz\u0131m.”<\/p>\n

\n\t“Kredi b\u00fcy\u00fcmesinin bu y\u0131l y\u00fczde 40 civar\u0131nda olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum”<\/strong><\/p>\n

\n\tAlpaslan \u00c7akar, 2024’\u00fcn b\u00fct\u00fcn d\u00fcnyada oldu\u011fu gibi T\u00fcrkiye’de de “bir restorasyon”, “bir normalle\u015fme y\u0131l\u0131” oldu\u011funu belirterek, “Bizim asl\u0131nda 2025’i sat\u0131n almak ad\u0131na 2024 y\u0131l\u0131n\u0131 kullan\u0131yor olmam\u0131z laz\u0131m. 2025’i bir atlama, s\u0131\u00e7rama y\u0131l\u0131 yapabilmemiz i\u00e7in bu y\u0131l bu tamiratlar\u0131m\u0131z\u0131, bu restorasyonumuzu, bu normalle\u015fmemizi mutlaka sa\u011flamam\u0131z laz\u0131m. \u00c7\u00fcnk\u00fc d\u00fcnya b\u00f6yle yap\u0131yor. Herkes buna g\u00f6re pozisyon al\u0131yor. Biz de bunu yap\u0131yoruz. 2024, daha sakin ama haz\u0131rl\u0131klar\u0131n tamamlanaca\u011f\u0131 bir y\u0131l olacak. Ama 2025’in, \u00fclkede d\u00fczenlemelerin, reg\u00fclasyonlar\u0131n, otoritelerin konu\u015fuldu\u011fu bir d\u00f6nemden \u00e7\u0131k\u0131p reel sekt\u00f6r\u00fcn, bilan\u00e7olar\u0131n, \u015firketlerin, yat\u0131r\u0131mlar\u0131n, ekonominin konu\u015fuldu\u011fu bir y\u0131l olmas\u0131n\u0131 hedefliyoruz ve bekliyoruz ” diye konu\u015ftu.<\/p>\n

\n\t2025 enflasyonunun OVP’de y\u00fczde 15 olarak \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc hat\u0131rlatan \u00c7akar, bu kararl\u0131 duru\u015f devam etti\u011fi s\u00fcrece bunun yakalanabilir bir hedef oldu\u011funu dile getirdi.<\/p>\n

\n\tKredi b\u00fcy\u00fcmesinin bu y\u0131l y\u00fczde 40 civar\u0131nda olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc aktaran \u00c7akar, kurun da bu y\u0131l enflasyondan fazla artmayaca\u011f\u0131 kanaatinde oldu\u011funu, dolar\u0131n 39-40 lira olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n

\n\tT\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn 23,5 trilyon lira oldu\u011funu, bunun 2,5 trilyon liras\u0131n\u0131n \u00f6z kaynak, 4,5 trilyon liras\u0131n\u0131n mevduat d\u0131\u015f\u0131 kaynak, 15 trilyon liras\u0131n\u0131n da mevduattan olu\u015ftu\u011funu bildiren \u00c7akar, T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn \u00e7ok sa\u011flam bilan\u00e7oya sahip oldu\u011funu vurgulad\u0131.<\/p>\n

\n\tKur korumal\u0131 mevduat (KKM) hari\u00e7 Aral\u0131k 2022’de TL mevduat\u0131n toplam mevduat i\u00e7erisindeki pay\u0131n\u0131n y\u00fczde 38 oldu\u011funu, y\u00fczde 33 seviyelerine inmesinden sonra Haziran 2023’ten bu yana 9 puanl\u0131k art\u0131\u015f kaydedildi\u011fini, bug\u00fcn itibar\u0131yla da y\u00fczde 42 seviyesinde bulundu\u011funu aktaran \u00c7akar, TL’ye d\u00f6n\u00fc\u015f noktas\u0131nda net bir iyile\u015fme g\u00f6rd\u00fcklerini ifade etti.<\/p>\n

\n\tYabanc\u0131 paran\u0131n toplam mevduat i\u00e7erisindeki pay\u0131n\u0131n Aral\u0131k 2022’de y\u00fczde 46 iken, bug\u00fcn itibar\u0131yla y\u00fczde 40’a d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc bildiren \u00c7akar, \u015funlar\u0131 kaydetti:<\/p>\n

\n\t“KKM ve d\u00f6vizden d\u00f6n\u00fc\u015f\u00fcml\u00fc kur korumal\u0131 mevduat (DDM) toplam\u0131 bug\u00fcn itibar\u0131yla 88-89 milyar dolara d\u00fc\u015ft\u00fc. Bir ara 3,4 trilyon lira, yani 126 milyar dolara kadar \u00e7\u0131km\u0131\u015ft\u0131. Bug\u00fcn itibar\u0131yla pay\u0131 y\u00fczde 16,8’e d\u00fc\u015ft\u00fc. TL KKM’nin toplam mevduat i\u00e7erisindeki pay\u0131 y\u00fczde 5’e d\u00fc\u015ft\u00fc. Muhtemelen bu ay sonu ya da gelecek ay TL KKM bitmi\u015f olur. Halihaz\u0131rda DDM’nin y\u00fczde 15-20’si standart TL mevduata ge\u00e7iyor. Merkez Bankas\u0131; kur \u00fczerindeki bask\u0131, rezerv hususlar\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda DDM’nin hemen h\u0131zl\u0131 bir \u015fekilde bitmesini istemiyor. 2025 y\u0131l\u0131nda DDM’yi konu\u015fmuyor olaca\u011f\u0131z. DDM tedrici olarak yava\u015f yava\u015f azalarak g\u00fcndemimizden \u00e7\u0131kacakt\u0131r.<\/p>\n

\n\t2025 y\u0131l\u0131nda TL’nin tekrar ola\u011fan mekanizmas\u0131na, mecras\u0131na d\u00f6nd\u00fc\u011f\u00fcn\u00fc g\u00f6rece\u011fiz. Bug\u00fcn itibar\u0131yla TL \u00e7ok cazip bir \u00fcr\u00fcnd\u00fcr, iyi kazand\u0131ran bir \u00fcr\u00fcnd\u00fcr. TL, \u015fu anda do\u011fru bir enstr\u00fcmand\u0131r ve \u00e7ok cazip noktada. \u015eu anda 2024 y\u0131l\u0131nda TL, en do\u011fru enstr\u00fcman gibi g\u00f6z\u00fck\u00fcyor.”<\/p>\n

\n\tSekt\u00f6r\u00fcn likit varl\u0131klar\u0131n\u0131n 5 trilyon lira civar\u0131nda oldu\u011funu belirten \u00c7akar, likit varl\u0131klar\u0131n bu kadar y\u00fcksek olmas\u0131n\u0131n temelinde zorunlu kar\u015f\u0131l\u0131klar\u0131n oldu\u011funu, zorunlu kar\u015f\u0131l\u0131klar\u0131n banka bilan\u00e7olar\u0131n\u0131n y\u00fczde 15-16’s\u0131na tekab\u00fcl etti\u011fini s\u00f6yledi.<\/p>\n

\n\t\u00c7akar, “Zorunlu kar\u015f\u0131l\u0131klar, bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in net bir maliyettir. Maliyet vererek, faiz vererek ald\u0131\u011f\u0131m\u0131z mevduat\u0131 \u015fu anda Merkez Bankas\u0131nda zorunlu kar\u015f\u0131l\u0131k tuttu\u011fumuzda herhangi bir faiz alm\u0131yoruz. Zorunlu kar\u015f\u0131l\u0131klarda en az\u0131ndan bir miktar faiz verilmesi gerekti\u011fi kanaatindeyiz. \u00c7\u00fcnk\u00fc zorunlu kar\u015f\u0131l\u0131k olarak tutulan miktar\u0131n pay\u0131 artm\u0131\u015f durumdad\u0131r. Bu konudaki talebimizi de \u0131srarla iletiyoruz. O konudaki m\u00fczakerelerimiz devam ediyor.” diye konu\u015ftu.<\/p>\n

\n\t\u00c7akar, sekt\u00f6r\u00fcn enflasyona endeksli ka\u011f\u0131tlara i\u015ftah\u0131n\u0131n kalmad\u0131\u011f\u0131n\u0131, daha \u00e7ok sabit faizli ka\u011f\u0131tlar istedi\u011fini de ifade etti.<\/p>\n

\n\tKredi kartlar\u0131nda d\u00fczenleme beklentisi<\/strong><\/p>\n

\n\tGe\u00e7en y\u0131l kredilerin 11,6 trilyon lira olarak \u015fekillendi\u011fini, 12 ayl\u0131k de\u011fi\u015fime bak\u0131ld\u0131\u011f\u0131nda kredilerdeki b\u00fcy\u00fcmenin 2023 sonunda y\u00fczde 54 oldu\u011funu ifade eden \u00c7akar, “Kredilerde Haziran 2023’te b\u00fcy\u00fcme oran\u0131 y\u00fczde 59’du. Y\u0131l\u0131n ikinci yar\u0131s\u0131nda kredilerde bir yava\u015flama s\u00f6z konusu. Bu \u00f6zellikle TL kredilerde net olarak g\u00f6r\u00fcl\u00fcyor.” dedi.<\/p>\n

\n\tAyr\u0131\u015fan tek kalemin kredi kart\u0131 oldu\u011funa i\u015faret eden \u00c7akar, “Kredi kartlar\u0131 harcamalar\u0131ndaki art\u0131\u015f g\u00f6ze \u00e7arpmaktad\u0131r. Kredi kart\u0131 harcamalar\u0131na ili\u015fkin enflasyon etkisini de y\u00f6netmek ad\u0131na burada bir d\u00fczenleme olabilece\u011fi kanaatindeyim. Bunun birka\u00e7 tane y\u00f6ntemi var; faiz oran\u0131, taksit s\u0131n\u0131rlamas\u0131 ya da ki\u015finin harcayabilece\u011fi tutar konusu… Bu konuda bir aksiyon al\u0131naca\u011f\u0131 kanaatindeyim.” diye konu\u015ftu.<\/p>\n

\n\t\u00c7akar, 2023’te KOB\u0130, ihracat, imalat sanayisi ve tar\u0131m kredilerinin pay\u0131nda art\u0131\u015f oldu\u011funu vurgulayarak, konut kredilerinin d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc, ta\u015f\u0131t ve ihtiya\u00e7 kredilerinin yatay bir seyir ald\u0131\u011f\u0131n\u0131, kredi kartlar\u0131n\u0131n \u00e7ok ciddi bir art\u0131\u015f e\u011filimi i\u00e7erisinde oldu\u011funu g\u00f6rd\u00fcklerini s\u00f6yledi.<\/p>\n

\n\tAktif kalitesinde oran\u0131n bug\u00fcn itibar\u0131yla 1,65 oldu\u011funu bildiren \u00c7akar, takipteki kredi oran\u0131n\u0131n makul ve y\u00f6netilebilir d\u00fczeyde oldu\u011funu kaydetti.<\/p>\n

\n\t\u00c7akar, “Parasal s\u0131k\u0131la\u015fma ve finansman maliyetleri dikkate al\u0131nd\u0131\u011f\u0131nda \u00f6n\u00fcm\u00fczdeki d\u00f6nemde takip oranlar\u0131n\u0131n bir miktar artaca\u011f\u0131n\u0131 s\u00f6yleyebiliriz. Bu, asla kredi kalitesinin \u00e7ok bozuldu\u011fu ve bozulaca\u011f\u0131 anlam\u0131na gelmiyor. Bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki aktif kalitesi asla bozulmayacak ama makul bir art\u0131\u015f olacak. \u00c7ok negatif bir durum beklemiyorum.” diye konu\u015ftu.<\/p>\n

\n\t“Bilan\u00e7o sa\u011fl\u0131\u011f\u0131n\u0131 koruma noktas\u0131nda bir zafiyet yok”<\/strong><\/p>\n

\n\tTBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, sekt\u00f6r\u00fcn, tahsili gecikmi\u015f alacaklar i\u00e7in y\u00fczde 80 oran\u0131nda \u00f6zel kar\u015f\u0131l\u0131k ay\u0131rd\u0131\u011f\u0131n\u0131 belirterek, “Yak\u0131n izlemede, yani ikinci grupta s\u0131n\u0131fland\u0131r\u0131lan krediler i\u00e7in ise y\u00fczde 32 civar\u0131nda kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015f durumday\u0131z. Tecr\u00fcbemiz yak\u0131n izlemedeki, yani ikinci gruptaki kredilerin y\u00fczde 20’sinin takibe gitti\u011fi y\u00f6n\u00fcndedir ama sekt\u00f6r y\u00fczde 32 oran\u0131nda kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015f durumda. Bu anlamda bilan\u00e7o sa\u011fl\u0131\u011f\u0131n\u0131 koruma noktas\u0131nda bir zafiyet yok.” dedi.<\/p>\n

\n\tT\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcnde yap\u0131land\u0131r\u0131lm\u0131\u015f kredi tutar\u0131n\u0131n 503 milyar lira oldu\u011funu, bunun da toplam kredilerin y\u00fczde 5’ine tekab\u00fcl etti\u011fini bildiren \u00c7akar, kredi kalitesine bak\u0131ld\u0131\u011f\u0131nda, takip oran\u0131n\u0131n bir miktar artaca\u011f\u0131n\u0131, bunun y\u00f6netilebilir durumda oldu\u011funu, bilan\u00e7o itibar\u0131yla da bask\u0131 yaratacak bir durumda bulunmad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\t“Finansal eri\u015fim noktas\u0131nda sorun yok”<\/strong><\/p>\n

\n\tFinansal eri\u015fim noktas\u0131nda s\u0131k\u0131nt\u0131 olmad\u0131\u011f\u0131n\u0131, \u00f6zellikle TL taraf\u0131nda KKM ve kredi talebinde ya\u015fanan yava\u015flama dolay\u0131s\u0131yla TL likiditede art\u0131\u015f ya\u015fand\u0131\u011f\u0131n\u0131 dile getiren \u00c7akar, \u015funlar\u0131 kaydetti:<\/p>\n

\n\t“Son zamanlarda yabanc\u0131 para kredi konusunda talep var. Firmalar\u0131m\u0131z yabanc\u0131 para kredi kullan\u0131yor. D\u00f6viz kazand\u0131r\u0131c\u0131 geliri olana d\u00f6viz kredisi verebiliyoruz. \u00c7ok do\u011fru bir d\u00fczenleme. Finansal eri\u015fim noktas\u0131nda sorun yok. Bu finansman maliyetleri, yat\u0131r\u0131m\u0131 zorla\u015ft\u0131ran finansman maliyetleridir ama biz bir ge\u00e7i\u015f a\u015famas\u0131nday\u0131z. Yat\u0131r\u0131m yapacak olan m\u00fc\u015fterilerimizin bug\u00fcnden itibaren fizibilitelerini, altyap\u0131lar\u0131n\u0131, haz\u0131rl\u0131klar\u0131n\u0131 do\u011fru yapmalar\u0131 \u00f6nemlidir. Y\u0131l\u0131n ikinci yar\u0131s\u0131 itibar\u0131yla faiz e\u011frisi a\u015fa\u011f\u0131 y\u00f6nl\u00fc olacak, de\u011fi\u015fken faizli olarak \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla yat\u0131r\u0131m kararlar\u0131n\u0131 almaya ba\u015flayabilirler. Bu y\u0131l\u0131n sonu ve gelecek y\u0131l\u0131n ba\u015f\u0131 itibar\u0131yla da \u00e7ok rahat yat\u0131r\u0131m yap\u0131labilir bir d\u00f6nem yakalayaca\u011f\u0131z in\u015fallah.”<\/p>\n

\n\tT\u00fcrkiye’nin b\u00fcy\u00fcmesinin finansman\u0131n\u0131 bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn yapt\u0131\u011f\u0131n\u0131, y\u00fczde 35-40 civar\u0131ndaki kredi b\u00fcy\u00fcmesinin T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in normal oldu\u011funu belirten \u00c7akar, 2025’te faizlerin a\u015fa\u011f\u0131 y\u00f6nl\u00fc olaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\tSekt\u00f6rde sermaye yeterlilik oran\u0131n\u0131n y\u00fczde 18 civar\u0131nda oldu\u011funu hat\u0131rlatan \u00c7akar, bir soru \u00fczerine, enflasyon muhasebesi uyguland\u0131\u011f\u0131nda bankalar\u0131n sermaye yeterlilik rasyolar\u0131na 100 baz puanl\u0131k olumlu katk\u0131da bulunaca\u011f\u0131n\u0131 ifade etti.<\/p>\n

\n\t“Makroihtiyat\u0131 tedbirlerin \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla kademeli olarak kald\u0131r\u0131laca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum”<\/strong><\/p>\n

\n\tBug\u00fcn itibar\u0131yla sermaye anlam\u0131nda s\u0131k\u0131nt\u0131da olan bir banka bulunmad\u0131\u011f\u0131n\u0131 vurgulayan \u00c7akar, Merkez Bankas\u0131n\u0131n makroihtiyat\u0131 tedbirlerinin \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla kald\u0131r\u0131laca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc kaydetti.<\/p>\n

\n\t\u00c7akar, “Makroihtiyati tedbirlerin 2025 y\u0131l\u0131nda g\u00fcndemimizde olmayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. Bunun takvimini belirleyecek olan Merkez Bankas\u0131 rezervleri, uluslararas\u0131 konjonkt\u00fcr, enflasyonun durumudur. Rezerv kompozisyonu, \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla makroihtiyati tedbirlerin kald\u0131r\u0131lmas\u0131, normalle\u015ftirilmesi ve sadele\u015ftirilmesi konusunda belirleyici olacak. Art\u0131k piyasada hayat normalle\u015fiyor. Bizim g\u00fcndemimiz art\u0131k i\u015f olmal\u0131. Y\u0131l\u0131n ikinci yar\u0131s\u0131 itibar\u0131yla T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki g\u00fcndemin art\u0131k m\u00fc\u015fteri, i\u015f, bilan\u00e7o, proje olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.” \u015feklinde konu\u015ftu.<\/p>\n

\n\tBireylerin d\u00f6viz talebinin normal seyrinde oldu\u011funu belirten \u00c7akar, d\u00fc\u015f\u00fck faiz ortam\u0131nda \u015firket bilan\u00e7olar\u0131n\u0131n \u00e7ok iyile\u015fti\u011fini, o d\u00f6nem baz\u0131 firmalar\u0131n da yeniden yap\u0131land\u0131rma ile \u00fclke ekonomisine kazand\u0131r\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\tFutbol kul\u00fcplerinin bor\u00e7lar\u0131n\u0131n yap\u0131land\u0131r\u0131lmas\u0131na ili\u015fkin bir soru \u00fczerine \u00c7akar, yap\u0131land\u0131rman\u0131n devam etti\u011fini, \u015fimdiye kadar taksitleri ald\u0131klar\u0131n\u0131 bildirdi. \u00c7akar, “Baz\u0131 kul\u00fcplerde bor\u00e7lar\u0131n tamam\u0131n\u0131n neredeyse \u00f6denmesi noktas\u0131na gelmi\u015f durumday\u0131z. Futbol kul\u00fcplerinden param\u0131z\u0131n tahsilinde sorun ya\u015fanmas\u0131n\u0131 \u00f6ng\u00f6rm\u00fcyoruz.” dedi.<\/p>\n

\n\t“Enflasyonun \u00fczerinde bir kur beklentisi olmayacak”<\/strong><\/p>\n

\n\tAlpaslan \u00c7akar, yapt\u0131r\u0131mlara ili\u015fkin g\u00f6r\u00fc\u015fmelerinin olup olmad\u0131\u011f\u0131n\u0131n sorulmas\u0131 \u00fczerine, bankac\u0131l\u0131k sekt\u00f6r\u00fcnde uyum mekanizmas\u0131n\u0131n \u00e7ok iyi oldu\u011funu vurgulayarak, “T\u00fcrk bankac\u0131l\u0131k sistemindeki t\u00fcm bankalar bu kural setine uygun hareket ediyor. Tamamen uluslararas\u0131 normlarla tam entegre hareket ediliyor. Uluslararas\u0131 normlara muhalif bir pozisyon alma durumu hi\u00e7bir zaman s\u00f6z konusu olmad\u0131.” diye konu\u015ftu.<\/p>\n

\n\tRusya-Ukrayna Sava\u015f\u0131’n\u0131n etkilerinin uzun s\u00fcre devam edece\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc ifade eden \u00c7akar, “Onun i\u00e7in \u00fclkeler aras\u0131 ticari ili\u015fkileri korumak \u00f6nemli ama kural seti i\u00e7erisinde hareket edece\u011fiz.” dedi.<\/p>\n

\n\t\u00c7akar, TL’nin cazip olmas\u0131yla ilgili, “TL niye cazip? \u00c7\u00fcnk\u00fc d\u00f6vize yat\u0131r\u0131m yapman\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nem itibar\u0131yla TL’den daha fazla getiri sa\u011flamayaca\u011f\u0131 konusunda genel bir kanaat olu\u015fmaya ba\u015flad\u0131. Yani enflasyonun \u00fczerinde bir kur art\u0131\u015f\u0131 beklentisi olmayacak. Borsa \u00e7ok ciddi bir yat\u0131r\u0131m arac\u0131. TL cinsinden faiz oran\u0131, do\u011fru bir alternatif olmaya ba\u015flad\u0131.” de\u011ferlendirmesinde bulundu.<\/p>\n

\n\t“Ziraat Bankas\u0131 olarak dijital banka kuruyoruz”<\/strong><\/p>\n

\n\tTBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, \u00f6z sermaye karl\u0131l\u0131\u011f\u0131n\u0131n y\u00fczde 30 civar\u0131nda olaca\u011f\u0131n\u0131 \u00f6ng\u00f6rd\u00fcklerini belirterek, enflasyona endeksli ka\u011f\u0131tlar dolay\u0131s\u0131yla karl\u0131l\u0131kta \u00f6zellikle ilk yar\u0131 itibar\u0131yla azalma olaca\u011f\u0131n\u0131, vade yap\u0131s\u0131 nedeniyle faiz giderleri artarken kredi gelirlerinin e\u015f oranl\u0131 artmad\u0131\u011f\u0131n\u0131, bunun ilk yar\u0131da karl\u0131l\u0131klar \u00fczerinde bir bask\u0131 yarataca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\n\tFinansal kapsay\u0131c\u0131l\u0131\u011f\u0131n iyi oldu\u011funu, hen\u00fcz bankac\u0131l\u0131k sekt\u00f6r\u00fcyle tan\u0131\u015fmas\u0131 gereken y\u00fczde 10-15 civar\u0131nda m\u00fc\u015fteri kitlesi bulundu\u011funu, bunun ciddi bir potansiyel olu\u015fturdu\u011funu, bu kesimin de finansal sisteme kat\u0131lmas\u0131yla bilan\u00e7o b\u00fcy\u00fckl\u00fcklerinin daha da artaca\u011f\u0131n\u0131 vurgulayan \u00c7akar, dijital bankac\u0131l\u0131\u011f\u0131n \u00f6nemine i\u015faret etti.<\/p>\n

\n\t\u00c7akar, “Ziraat Bankas\u0131 olarak \u015fimdi dijital banka kuruyoruz. Faaliyet iznini in\u015fallah k\u0131sa zaman i\u00e7erisinde alaca\u011f\u0131z. Belli bir noktaya kadar geldi. Yaz\u0131l\u0131m\u0131 bitirdik. Kurulu\u015f izni alm\u0131\u015ft\u0131k. BDDK denetimleri ba\u015flayacak.” dedi.<\/p>\n

\n\tAral\u0131k 2023’te uzaktan m\u00fc\u015fteri ediniminin \u015fubeden m\u00fc\u015fteri edinimini ge\u00e7ti\u011fini aktaran \u00c7akar, Ziraat Bankas\u0131nda 15 milyon m\u00fc\u015fterinin internet ve mobil bankac\u0131l\u0131\u011f\u0131 kulland\u0131\u011f\u0131n\u0131 s\u00f6yledi. \u00c7akar, banka m\u00fc\u015fterilerinin y\u00fczde 7’sinin \u015fube kap\u0131s\u0131ndan i\u00e7eri girdi\u011fini belirtti.<\/p>\n

\n\t\u00c7akar, Ziraat Bankas\u0131 olarak tar\u0131msal kredilerde 450 milyar liraya ve 1 milyon m\u00fc\u015fteriye ula\u015ft\u0131klar\u0131n\u0131 bildirdi.<\/p>\n

\n
ET\u0130KETLER<\/div>\n
\n Bankac\u0131l\u0131k
\n Borsa \u0130stanbul
\n Enflasyon
\n Faiz
\n Merkez Bankas\u0131\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u00c7akar, Ziraat Bankas\u0131n\u0131n \u0130stanbul Finans Merkezi’ndeki genel m\u00fcd\u00fcrl\u00fck binas\u0131nda d\u00fczenlenen toplant\u0131da,…<\/p>\n","protected":false},"author":1,"featured_media":5543,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[88,287,6074,553,6022,376,1882],"class_list":["post-6070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-haberleri","tag-ceyrekte","tag-faiz","tag-girilecegi","tag-indirim","tag-ongorusu","tag-son","tag-surecine"],"yoast_head":"\nSon \u00e7eyrekte faiz indirim s\u00fcrecine girilece\u011fi \u00f6ng\u00f6r\u00fcs\u00fc - Es-Exchange Ekonomi Haberleri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/es-exchange.com\/haberler\/?p=6070\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Son \u00e7eyrekte faiz indirim s\u00fcrecine girilece\u011fi \u00f6ng\u00f6r\u00fcs\u00fc - 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