T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011finin 2024 y\u0131l\u0131 faaliyet raporu yay\u0131mland\u0131. Ben de sekt\u00f6r\u00fc takip eden ve zaman zaman sekt\u00f6rle ilgili de\u011ferlendirme yaz\u0131s\u0131 yazan biri olarak incelemeye ald\u0131m. Zaten sekt\u00f6r\u00fcn bir\u00e7ok verisi y\u0131l i\u00e7inde \u00e7e\u015fitli kurum ve kurulu\u015flarda ve raporlarda yer ald\u0131\u011f\u0131 i\u00e7in bir\u00e7ok konuya vak\u0131f oluyoruz. Ancak sekt\u00f6r\u00fcn genelini g\u00f6rmek isteyenler i\u00e7in g\u00fczel bir rapor.<\/p>\n
Bu arada Kat\u0131l\u0131m Bankalar\u0131 Birli\u011finin son y\u0131llarda sekt\u00f6r\u00fcn geli\u015fimi ve tan\u0131t\u0131m\u0131 i\u00e7in hem yurt i\u00e7inde hem de yurt d\u0131\u015f\u0131nda g\u00fczel \u00e7al\u0131\u015fmalar yapt\u0131\u011f\u0131na \u015fahit oluyoruz. Bu \u00e7al\u0131\u015fmalara katk\u0131 sunan ba\u015fta Birlik y\u00f6neticileri olmak \u00fczere eme\u011fi ge\u00e7enlerden Allah raz\u0131 olsun.<\/p>\n
Rapora gelirsek, verileri inceler ve bir yaz\u0131 konusu \u00e7\u0131kar\u0131r\u0131m derken hi\u00e7 zorluk \u00e7ekmeden konu \u00f6n\u00fcme geldi. Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 vizyonu ba\u015fl\u0131\u011f\u0131 alt\u0131nda \u201cKat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sekt\u00f6r\u00fc pazar pay\u0131n\u0131n 2025 y\u0131l\u0131 itibariyle %15\u2019e ula\u015fmas\u0131 ve sekt\u00f6r\u00fcn d\u00fcnya standartlar\u0131nda finansal \u00fcr\u00fcn ve hizmet sunar hale gelmesi\u201d c\u00fcmlesini okudum. Y\u0131l 2025 ve sekt\u00f6r pay\u0131 %8. Bu ifadenin raporda hala yer almas\u0131n\u0131 raporun g\u00fcncelli\u011fi ve inan\u0131rl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan garipsedi\u011fimi ifade etmek isterim. Raporu haz\u0131rlayanlar\u0131n bir kabahati yok. \u00d6nceden belirlenmi\u015f vizyon bu.<\/p>\n
Bu vizyon 2015-2025 Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 Strateji Belgesinde belirlenmi\u015f ve halen korunmaktad\u0131r. 2021-2025 g\u00fcncellenen Strateji Belgesinde aynen \u015fu ifade yer al\u0131yor; \u201cT\u00fcrkiye Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 Strateji Belgesi (2015-2025)\u2019nde belirlenen ve Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 Strateji G\u00fcncelleme Raporu (2021-2025)\u2019nda da g\u00fcncelli\u011fini koruyan, kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131n\u0131n T\u00fcrkiye bankac\u0131l\u0131k sekt\u00f6r\u00fcnde %15\u2019lik pazar pay\u0131na ula\u015fmas\u0131 hedefi do\u011frultusunda kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 pazar b\u00fcy\u00fckl\u00fc\u011f\u00fc projeksiyonlar\u0131 yap\u0131lm\u0131\u015ft\u0131r<\/em>\u201d.<\/p>\n Maalesef Strateji belgesinde yer alan hedefin \u00e7ok uza\u011f\u0131nda kal\u0131nm\u0131\u015f ve hedef y\u0131l olan 2025 de gelmi\u015ftir. Ben 2015 y\u0131l\u0131nda belirlenen %15 hedefini abart\u0131l\u0131 bulanlardan de\u011filim ancak bu hedefe uygun hareket edilmedi\u011fi i\u00e7in sonucun b\u00f6yle olaca\u011f\u0131n\u0131 o tarihlerde yazd\u0131\u011f\u0131m bir yaz\u0131 ile ifade etmi\u015f ve 2025 y\u0131l\u0131nda %7-8 band\u0131na gelinebilece\u011fini say\u0131sal analizlerle tahmin etmi\u015ftim. \u00c7ok da yan\u0131lmad\u0131\u011f\u0131m\u0131 g\u00f6r\u00fcyorum.<\/p>\n Belge, 2021 y\u0131l\u0131nda g\u00fcncellenirken ayn\u0131 hedefte \u0131srar edilmesi yanl\u0131\u015ft\u0131. Olmayaca\u011f\u0131 \u00e7ok belli iken de\u011fi\u015ftirilmedi. Herhalde hedefin geriye \u00e7ekilmesi bir geri ad\u0131m gibi alg\u0131lan\u0131r diye d\u00fc\u015f\u00fcn\u00fclm\u00fc\u015f olabilir. \u00a0O halde bir\u00e7ok kurum ve ki\u015finin kat\u0131l\u0131m\u0131 ile olu\u015fturulan strateji belgesindeki bu sapmay\u0131 nas\u0131l a\u00e7\u0131klayaca\u011f\u0131z. Hedef mi iddial\u0131 idi yoksa strateji belgesinde bu hedef i\u00e7in yap\u0131lmas\u0131 gerekenler mi yap\u0131lamad\u0131?<\/p>\n Ben olay\u0131n ba\u015fka bir y\u00f6n\u00fcne vurgu yapmak istiyorum. Bu vizyon meselesinde pazar pay\u0131 hedefi olarak bir rakam belirlemekten vazge\u00e7ilmeli. Tutturulamayan hedefler sekt\u00f6r \u00fczerinde ba\u015far\u0131s\u0131zl\u0131k alg\u0131s\u0131na yol a\u00e7\u0131yor. Ayr\u0131ca T\u00fcrk halk\u0131n\u0131n sekt\u00f6rden b\u00f6yle bir hedef tutturmas\u0131n\u0131 bekledi\u011fini sanm\u0131yorum. Halk\u0131n talebi; \u0130sl\u00e2milik prensibine uyan, rekabet\u00e7i, hizmet kalitesi y\u00fcksek ve ula\u015f\u0131labilir bir \u0130slami bankac\u0131l\u0131k uygulamas\u0131. Y\u0131llarca bu sekt\u00f6rde aktif olarak \u00e7al\u0131\u015ft\u0131m ve vatanda\u015ftan pazar pay\u0131 ele\u015ftirisi almad\u0131m. Halbuki \u00fcr\u00fcn yetersizli\u011fi, \u015fube azl\u0131\u011f\u0131, fiyat pahal\u0131l\u0131\u011f\u0131, getirilerde faizli bankalara g\u00f6re daha d\u00fc\u015f\u00fck kal\u0131nd\u0131\u011f\u0131 gibi konular hep \u00f6n\u00fcm\u00fcze geldi. Halk\u0131n meselesi bu.<\/p>\n Bu nedenle tutmayacak ya da tutturulamayacak rakamlar hedeflemektense \u201cKat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131n\u0131 T\u00fcrkiye\u2019de hak etti\u011fi konuma getirme, M\u00fcsl\u00fcman \u00fclkeler aras\u0131nda iyi konuma ta\u015f\u0131ma, \u0130slami Finans\u0131n \u00f6nemli merkezlerinden biri olma, Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 talebinde bulunan vatanda\u015fa her yerde ve ko\u015fulda iyi ve uygun maliyetli \u00fcr\u00fcnleri sunma\u201d gibi niteliksel vizyonlar belirlemenin daha sa\u011fl\u0131kl\u0131 oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n Yazar: Y\u00fcksel KELE\u015e<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011finin 2024 y\u0131l\u0131 faaliyet raporu yay\u0131mland\u0131. Ben de sekt\u00f6r\u00fc takip eden ve zaman zaman sekt\u00f6rle ilgili de\u011ferlendirme yaz\u0131s\u0131 yazan biri olarak incelemeye ald\u0131m. Zaten sekt\u00f6r\u00fcn bir\u00e7ok verisi y\u0131l i\u00e7inde \u00e7e\u015fitli kurum ve kurulu\u015flarda ve raporlarda yer ald\u0131\u011f\u0131 i\u00e7in bir\u00e7ok konuya vak\u0131f oluyoruz. Ancak sekt\u00f6r\u00fcn genelini g\u00f6rmek isteyenler i\u00e7in g\u00fczel bir rapor. Bu […]<\/p>\n","protected":false},"author":1,"featured_media":1550,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-isfin"],"_links":{"self":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1548"}],"version-history":[{"count":1,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1548\/revisions"}],"predecessor-version":[{"id":1549,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1548\/revisions\/1549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/media\/1550"}],"wp:attachment":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}