{"id":57499,"date":"2024-07-08T04:48:07","date_gmt":"2024-07-08T04:48:07","guid":{"rendered":"https:\/\/ekamu.net\/?p=57499"},"modified":"2024-07-08T04:48:07","modified_gmt":"2024-07-08T04:48:07","slug":"tcmbden-zorunlu-karsilik-adimi","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/07\/08\/tcmbden-zorunlu-karsilik-adimi\/","title":{"rendered":"TCMB\u2019den zorunlu kar\u015f\u0131l\u0131k ad\u0131m\u0131"},"content":{"rendered":"<div>\n<p>TCMB&#8217;nin Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011fi, Resmi Gazete&#8217;de yay\u0131mland\u0131.<\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;in bankalarca hesaplanacak kald\u0131ra\u00e7 oran\u0131 bulunan bankalara, ilave olarak zorunlu kar\u015f\u0131l\u0131k tesis edilmesine y\u00f6nelik &#8220;Zorunlu Kar\u015f\u0131l\u0131klarda Farkl\u0131la\u015fma&#8221; ba\u015fl\u0131kl\u0131 b\u00f6l\u00fcm\u00fcn\u00fc y\u00fcr\u00fcrl\u00fckten kald\u0131rd\u0131.<\/p>\n<p>Buna g\u00f6re, 25\/12\/2013 tarihli ve 28862 say\u0131l\u0131 Resm\u00ee Gazete&#8217;de yay\u0131mlanan Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f (Say\u0131: 2013\/15)\u2019in 10&#8217;uncu maddesi y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131ld\u0131.<\/p>\n<\/div>\n<div>\n<p>Tebli\u011f 21\/6\/2024 tarihinden ge\u00e7erli olmak \u00fczere yay\u0131m\u0131 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p>Y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lan 10&#8217;uncu madde \u015fu \u015fekilde:<\/p>\n<p>&#8220;MADDE 10 \u2013 (1) Bankalar\u0131n tabi olduklar\u0131 muhasebe standartlar\u0131 ve kay\u0131t d\u00fczeni esas al\u0131narak Merkez Bankas\u0131nca belirlenen usul ve esaslara g\u00f6re bankalarca hesaplanacak kald\u0131ra\u00e7 oran\u0131 bu maddede belirtilen aral\u0131klarda bulunan bankalar, ilave olarak zorunlu kar\u015f\u0131l\u0131k tesis eder. (2) Kald\u0131ra\u00e7 oran\u0131,ana sermayenin a\u015fa\u011f\u0131da belirtilen kalemlerin toplam\u0131na b\u00f6l\u00fcnmesisuretiyle hesaplan\u0131r: a) Pasif toplam\u0131 tutar\u0131. b) Gayri nakdi kredi ve y\u00fck\u00fcml\u00fcl\u00fckler tutar\u0131. c) Cay\u0131labilir taahh\u00fctlerin 0,1 katsay\u0131s\u0131yla \u00e7arp\u0131m\u0131sonucu bulunacak tutar. \u00c7) T\u00fcrev finansalara\u00e7lara ait taahh\u00fctlerin her birinin kendi kredi d\u00f6n\u00fc\u015f\u00fcm oran\u0131 ile \u00e7arp\u0131m\u0131sonucu bulunacak toplam tutar. d) Cay\u0131lamaztaahh\u00fctler tutar\u0131. (3) Bu madde uyar\u0131nca zorunlu kar\u015f\u0131l\u0131k y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc, \u00fc\u00e7er ayl\u0131k d\u00f6nemler itibar\u0131yla ayl\u0131k kald\u0131ra\u00e7 oranlar\u0131n\u0131n basit aritmetik ortalamas\u0131na g\u00f6re belirlenir. (4) T\u00fcm vadelerdekizorunlu kar\u015f\u0131l\u0131\u011fa tabi T\u00fcrk liras\u0131 ve yabanc\u0131 para y\u00fck\u00fcml\u00fcl\u00fckler i\u00e7in ayr\u0131ayr\u0131 uygulanmak \u00fczere; a) 2013 y\u0131l\u0131n\u0131n son \u00fc\u00e7 ayl\u0131k d\u00f6nemi ve 2014 y\u0131l\u0131n\u0131n birinci, ikinci ve \u00fc\u00e7\u00fcnc\u00fc \u00fc\u00e7 ayl\u0131k d\u00f6nemleri i\u00e7in hesaplanan kald\u0131ra\u00e7 oran\u0131 y\u00fczde 3\u2019\u00fcn <b>alt\u0131nda<\/b> kalan bankalar ilave olarak 2 puan, y\u00fczde 3 (3 d\u00e2hil) ile y\u00fczde 3,25 aras\u0131nda olan bankalar ilave olarak 1,5 puan, y\u00fczde 3,25 (3,25 d\u00e2hil) ile y\u00fczde 3,5 aras\u0131nda olan bankalar ilave olarak 1 puan zorunlu kar\u015f\u0131l\u0131\u011f\u0131, b) 2014 y\u0131l\u0131n\u0131n son \u00fc\u00e7 ayl\u0131k d\u00f6nemi ve 2015 y\u0131l\u0131n\u0131n birinci, ikinci ve \u00fc\u00e7\u00fcnc\u00fc \u00fc\u00e7 ayl\u0131k d\u00f6nemleri i\u00e7in hesaplanan kald\u0131ra\u00e7 oran\u0131 y\u00fczde 3\u2019\u00fcn alt\u0131nda kalan bankalar ilave olarak 2 puan, y\u00fczde 3 (3 d\u00e2hil) ile y\u00fczde 3,5 aras\u0131nda olan bankalar ilave olarak 1,5 puan, y\u00fczde 3,5 (3,5 d\u00e2hil) ile y\u00fczde 4 aras\u0131nda olan bankalar ilave olarak 1 puan zorunlu kar\u015f\u0131l\u0131\u011f\u0131, c) 2015 y\u0131l\u0131n\u0131n son \u00fc\u00e7 ayl\u0131k d\u00f6neminden itibaren (bu d\u00f6nem d\u00e2hil) hesaplanan kald\u0131ra\u00e7 oran\u0131 y\u00fczde 3\u2019\u00fcn alt\u0131nda kalan bankalar ilave olarak 2 puan, y\u00fczde 3 (3 d\u00e2hil) ile y\u00fczde 4 aras\u0131nda olan bankalar ilave olarak 1,5 puan, y\u00fczde 4 (4 d\u00e2hil) ile y\u00fczde 5 aras\u0131nda olan bankalar ilave olarak 1 puan zorunlu kar\u015f\u0131l\u0131\u011f\u0131, hesaplama d\u00f6nemini izleyen 4 \u00fcnc\u00fc takvim ay\u0131n\u0131n ilk zorunlu kar\u015f\u0131l\u0131k tesis d\u00f6neminden ba\u015flamak \u00fczere 6 zorunlu kar\u015f\u0131l\u0131k tesis d\u00f6neminde tesis eder. (5) Bankalar kald\u0131ra\u00e7 oran\u0131n\u0131, hesaplama d\u00f6nemini izleyen 3 \u00fcnc\u00fc takvim ay\u0131ndaki son zorunlu kar\u015f\u0131l\u0131k bildirim cetvelinin g\u00f6nderim s\u00fcresi bitimine kadar Merkez Bankas\u0131na bildirir.<\/p>\n<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">Bloomberg HT<\/span><\/p>\n<p><span style=\"display: block; width: 343.125px; color: rgb(55, 58, 60); font-size: 14px; background-color: rgb(255, 249, 236);\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>TCMB&#8217;nin Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011fi, Resmi Gazete&#8217;de yay\u0131mland\u0131.<\/p>\n","protected":false},"author":1,"featured_media":57500,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[2491,1564,2489,2492,2490],"class_list":["post-57499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-madde","tag-teblig","tag-yilinin","tag-zorunlu-karsilik"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57499","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=57499"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57499\/revisions"}],"predecessor-version":[{"id":57501,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/57499\/revisions\/57501"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/57500"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=57499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=57499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=57499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}