Kamu bankalar\u0131n\u0131n 11 milyar TL\u2019lik sermaye ihtiyac\u0131 i\u00e7in kullan\u0131lan \u0130\u015fsizlik Fonu\u2019nun portf\u00f6y de\u011feri 2019\u2019da reel olarak y\u00fczde 7.8 oran\u0131nda azald\u0131.<\/p>\n
\u0130\u015fsizlik Sigortas\u0131 Fonu\u2019ndan patronlara yap\u0131lan te\u015fvik ve destek \u00f6demeleri, i\u015fsizlere yap\u0131lan \u00f6demeleri 2019\u2019da da ge\u00e7ti. \u0130\u015fkur verilerine g\u00f6re, 2019\u2019da fondan patronlara te\u015fvik ve destek olarak yap\u0131lan \u00f6demeler bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 45 artarak 26 milyar TL\u2019ye ula\u015f\u0131rken, i\u015fsizlere yap\u0131lan \u00f6demeler 10 milyar TL\u2019de kald\u0131. Kriz nedeniyle artan k\u0131sa \u00e7al\u0131\u015fma ve \u00fccret garanti fonu \u00f6demeleri ile yar\u0131m \u00e7al\u0131\u015fma \u00f6demeleri de eklendi\u011finde rakam 10.4 TL oldu.<\/p>\n
3.9 M\u0130LYARA D\u00dc\u015eT\u00dc<\/p>\n
Fonun b\u00fct\u00e7e fazlas\u0131 2019\u2019da bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 64.2 oran\u0131nda azalarak 10.9 milyar TL\u2019den 3.9 milyar TL\u2019ye geriledi. Fonun toplam varl\u0131\u011f\u0131 bu d\u00f6nemde nominal olarak y\u00fczde 3.1\u2019lik art\u0131\u015fla 131.5 milyar TL\u2019ye y\u00fckseldi ancak y\u00fczde 11.8\u2019lik enflasyon d\u00fc\u015f\u00fcld\u00fc\u011f\u00fcnde fon reel olarak y\u00fczde 7.8 oran\u0131nda de\u011fer kaybetti. Ekonomist Haluk B\u00fcr\u00fcmcek\u00e7i\u2019ye g\u00f6re, fon varl\u0131\u011f\u0131n\u0131n reel olarak gerilemesinde, artan i\u015fsizlik sigortas\u0131 \u00f6demeleri ile i\u015fverenlere yap\u0131lan te\u015fvik \u00f6demelerinin yan\u0131 s\u0131ra y\u00fczde 94\u2019l\u00fck b\u00fcy\u00fck a\u011f\u0131rl\u0131kla devlet tahvilinde de\u011ferlendirilen fon varl\u0131\u011f\u0131n\u0131n son d\u00f6nemde kamu bankalar\u0131n\u0131n d\u00fc\u015f\u00fck faizli sermaye benzeri tahvil ihra\u00e7lar\u0131 gibi daha verimsiz yat\u0131r\u0131mlara y\u00f6nlendirilmesi de etkili oldu.<\/p>\n
Kriz d\u00f6neminde kredi art\u0131\u015f\u0131 y\u00fck\u00fcn\u00fc s\u0131rtlanan ve h\u00fck\u00fcmete yak\u0131n \u015firketlere d\u00fc\u015f\u00fck faizli kredi verdi\u011fi gerek\u00e7esiyle ele\u015ftirilen kamu bankalar\u0131, Eyl\u00fcl 2018\u2019de tahvil faizleri y\u00fczde 20\u2019lerde iken y\u00fczde 9\u2019luk faizle sermaye benzeri tahvil ihra\u00e7 etmi\u015fti. \u0130\u015fsizlik Fonu, elinde tuttu\u011fu Hazine tahvillerinin satarak kamu bankalar\u0131na d\u00fc\u015f\u00fck faizli 11 milyar TL\u2019lik kaynak sa\u011flam\u0131\u015ft\u0131. Nitekim, fonun faiz geliri 2019\u2019da sadece y\u00fczde 11.4 artarak 16.8 milyar TL\u2019de kald\u0131.<\/p>\n
KONKORDATOLAR DA FONU ETK\u0130LED\u0130<\/p>\n
Kriz nedeniyle artan konkordato ve iflaslar, \u0130\u015fsizlik Sigortas\u0131 Fonu\u2019ndan yap\u0131lan \u00dccret Garanti Fonu \u00f6demeleri de ciddi oranda art\u0131rd\u0131. 2017\u2019de 25 milyon TL, 2018\u2019de 81 milyon TL olan \u00dccret Garanti Fonu \u00f6demeleri, 2019\u2019da 157 milyon TL\u2019ye s\u0131\u00e7rad\u0131. 4447 say\u0131l\u0131 \u0130\u015fsizlik Sigortas\u0131 Kanunu\u2019nun Ek 1. maddesine g\u00f6re; i\u015fverenin, konkordato ilan etmesi, iflas\u0131 veya iflas\u0131n ertelenmesi y\u00fcz\u00fcnden \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fcne d\u00fc\u015ft\u00fc\u011f\u00fcnde, \u00e7al\u0131\u015fanlar\u0131n\u0131n \u00f6denmeyen \u00fc\u00e7 ayl\u0131k \u00fccret alacaklar\u0131 \u00dccret Garanti Fonu\u2019ndan \u00f6deniyor.<\/p>\n
16.01.2020<\/p>\n
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Kamu bankalar\u0131n\u0131n 11 milyar TL\u2019lik sermaye ihtiyac\u0131 i\u00e7in kullan\u0131lan \u0130\u015fsizlik Fonu\u2019nun portf\u00f6y de\u011feri 2019\u2019da reel olarak y\u00fczde 7.8 oran\u0131nda azald\u0131. \u0130\u015fsizlik Sigortas\u0131 Fonu\u2019ndan patronlara yap\u0131lan te\u015fvik ve destek \u00f6demeleri, i\u015fsizlere yap\u0131lan \u00f6demeleri 2019\u2019da da ge\u00e7ti. \u0130\u015fkur verilerine g\u00f6re, 2019\u2019da fondan patronlara te\u015fvik ve destek olarak yap\u0131lan \u00f6demeler bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 45 artarak 26 […]<\/p>\n","protected":false},"author":3,"featured_media":2406,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1],"tags":[158,220],"class_list":["post-2575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","tag-basindan","tag-issizlik-fonu"],"_links":{"self":[{"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/posts\/2575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/comments?post=2575"}],"version-history":[{"count":1,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/posts\/2575\/revisions"}],"predecessor-version":[{"id":2576,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/posts\/2575\/revisions\/2576"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/media\/2406"}],"wp:attachment":[{"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/media?parent=2575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/categories?post=2575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/belediyeis.org.tr\/merkez\/wp-json\/wp\/v2\/tags?post=2575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}