{"id":256,"date":"2021-06-26T06:00:42","date_gmt":"2021-06-26T06:00:42","guid":{"rendered":"http:\/\/philosopical-falcon.w5.wpsandbox.pro\/2019\/12\/19\/travel-copy-5-copy\/"},"modified":"2023-01-22T08:52:05","modified_gmt":"2023-01-22T08:52:05","slug":"kamu-katilim","status":"publish","type":"post","link":"https:\/\/yukselkeles.com\/?p=256","title":{"rendered":"KAMU KATILIM BANKALARI B\u0130RLE\u015eMEL\u0130 M\u0130?"},"content":{"rendered":"\r\n

Son g\u00fcnlerde Kamu Kat\u0131l\u0131m Bankalar\u0131n\u0131n birle\u015ftirilece\u011fine dair haberler duyuyoruz. Hen\u00fcz kurulu\u015flar\u0131 \u00e7ok yeni, performanslar\u0131n\u0131 ger\u00e7ek anlamda g\u00f6stermek i\u00e7in gerekli zaman\u0131 ve ekonomik konjonkt\u00fcr\u00fc bulamam\u0131\u015f olan bu bankalar\u0131n birle\u015ftirilmesi karar\u0131n\u0131n alt\u0131nda ne yatt\u0131\u011f\u0131n\u0131 net olarak bilmiyoruz. Ancak b\u00f6yle bir haberin ortada dola\u015f\u0131yor olmas\u0131, bu bankalar\u0131ngelecekleri ile ilgili birtak\u0131m de\u011ferlendirmeler yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\r\n

B\u00f6yle bir birle\u015fmenin Kamu Kat\u0131l\u0131m Bankalar\u0131na ve Kat\u0131l\u0131m Bankac\u0131l\u0131\u011f\u0131 Sekt\u00f6r\u00fcne ne gibi bir faydas\u0131 var? Sorusu benim gibi sizlerin de zihninden ge\u00e7iyordur. O halde bu sorunun cevab\u0131n\u0131 hemen verip son da s\u00f6yleyece\u011fimizi ba\u015fta s\u00f6yleyelim; bu ad\u0131m hem kamu kat\u0131l\u0131m bankalar\u0131nahem de kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sekt\u00f6r\u00fcne faydadan \u00e7ok zarar verir.<\/p>\r\n

Hen\u00fcz bu bankalar a\u00e7\u0131lmadan \u00f6nce sekt\u00f6r\u00fcn b\u00fcy\u00fcmesi i\u00e7in kat\u0131l\u0131m bankalar\u0131n\u0131n say\u0131lar\u0131n\u0131n art\u0131r\u0131lmas\u0131 gerekti\u011fini vurgulam\u0131\u015f ve bununla ilgili yazd\u0131\u011f\u0131m yaz\u0131da say\u0131sal verilerle bu ihtiyaca de\u011finmi\u015ftim. Bu bankalar a\u00e7\u0131lmaya ba\u015flad\u0131\u011f\u0131nda da devletin do\u011fru ad\u0131mlar att\u0131\u011f\u0131n\u0131 g\u00f6rmekten mutluluk duymu\u015ftum. O g\u00fcn o at\u0131lan ad\u0131mlar sekt\u00f6r i\u00e7in ne kadar sevindirici ve umut verici ise bug\u00fcn verilecek bir birle\u015ftirme karar\u0131 da o kadar yanl\u0131\u015f ve umut k\u0131r\u0131c\u0131 olacakt\u0131r. \u00a0<\/p>\r\n

Genel olarak bankac\u0131l\u0131k sekt\u00f6r\u00fcnde birle\u015fmeler iki nedenle ger\u00e7ekle\u015fir; ya farkl\u0131 yap\u0131lar\u0131n bilgi, birikim ve yeteneklerinin bir araya getirilmesi ile olu\u015facak sinerjiden faydalanmak, yani 1+1\u2019i \u00fc\u00e7 yapmak, ya da y\u00fcksek maliyetler nedeniyle rekabet avantaj\u0131n\u0131 yitiren, verimsiz ya da zarar eden bankalardan kurtulmak.<\/p>\r\n

T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki banka birle\u015fmelerini hat\u0131rlayal\u0131m; K\u00f6rfez ve Osmanl\u0131 Bankalar\u0131\u2019n\u0131n Garanti Bankas\u0131 ile birle\u015ftirilmesi, Pamukbank\u2019\u0131n YKB ile ger\u00e7ekle\u015femeyen birle\u015fme hamlesi sonras\u0131 fona devri ve Halk Bankas\u0131 ile birle\u015ftirilmesi, D\u0131\u015fbank\u2019\u0131n Fortis\u2019le ve Fortis\u2019in TEB ile birle\u015fmesi, Ko\u00e7bank\u2019\u0131n YKB ile birle\u015fmesi. \u00d6rnekler daha da \u00e7o\u011falt\u0131labilir. Bu birle\u015fmelerin hi\u00e7birisinden sinerjiyle daha g\u00fc\u00e7l\u00fc bir banka do\u011fmad\u0131. Hepsi ekonomik krizd\u00f6nemlerine e\u015flik eden, rekabet avantaj\u0131n\u0131 kaybetmi\u015f banka birle\u015fmeleriydi.<\/p>\r\n

Peki! kat\u0131l\u0131m bankas\u0131 birle\u015fmeleri farkl\u0131 m\u0131 oldu? Hay\u0131r. Anadolu Finans ile Family Finans birle\u015fmesi \u00dclker gurubunun umdu\u011funu bulamad\u0131\u011f\u0131 finans sekt\u00f6r\u00fcnden \u00e7ekilme karar\u0131 nedeniyle ger\u00e7ekle\u015fti. Birle\u015fmeden do\u011fan banka bir\u00e7ok sorunla u\u011fra\u015ft\u0131. Birle\u015fme ile ortaya \u00e7\u0131kan sekt\u00f6r liderli\u011fi ilerleyen d\u00f6nemde korunamad\u0131. Kamu Kat\u0131l\u0131m Bankalar\u0131n\u0131n da birle\u015fme ile sekt\u00f6rde ikinci b\u00fcy\u00fck kat\u0131l\u0131m bankas\u0131 olaca\u011f\u0131 s\u00f6yleniyor. Ancak bu durum s\u00fcrd\u00fcr\u00fclebilir midir? Ayn\u0131 m\u00fc\u015fteri kitlesine hitap eden, benzer \u00fcr\u00fcn ve maliyet yap\u0131lar\u0131na sahip, ayn\u0131 b\u00f6lgelerde faaliyet g\u00f6steren kamu kat\u0131l\u0131m bankalar\u0131n\u0131n birle\u015fmesinden bir sinerji do\u011far m\u0131? Do\u011fmaz. O halde ama\u00e7 yukar\u0131da bahsetti\u011fimiz ikinci neden.<\/p>\r\n

E\u011fer Kamu Kat\u0131l\u0131m Bankalar\u0131 rekabette zorlan\u0131yorlarsa, sermayeye ihtiya\u00e7 duyuyorlarsa, maliyetler nedeniyle verimsiz ve kars\u0131z \u00e7al\u0131\u015ft\u0131klar\u0131 iddia ediliyorsa bunun \u00e7aresi birle\u015ftirmek de\u011fil, bu sorunlara yol a\u00e7an etkenleri ortaya koymak ve \u00e7\u00f6z\u00fcm \u00fcretmektir. Hen\u00fcz \u00e7ok gen\u00e7 ya\u015fta olan ve performanslar\u0131n\u0131 g\u00f6stermek i\u00e7in zamana ihtiyac\u0131 olan bu bankalara gerekli zaman ve imk\u00e2n tan\u0131nmadan birle\u015ftirmek haks\u0131zl\u0131k olacakt\u0131r.<\/p>\r\n

Birle\u015fme karar\u0131 ile ortaya \u00e7\u0131kacak baz\u0131 neticelere de burada de\u011finmekte fayda g\u00f6r\u00fcyorum;<\/p>\r\n

\u2022 <\/span>Kapanan ve birle\u015fen bankalar nedeniyle kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131nda s\u00fcrekli bir dalgalanma ve istikrars\u0131zl\u0131k g\u00f6r\u00fcnt\u00fcs\u00fc olu\u015facak, bireylerin ve i\u015fletmelerin sekt\u00f6re olan g\u00fcveni sars\u0131lacakt\u0131r<\/div>\r\n
\u2022 <\/span>Birle\u015fme ile ortaya \u00e7\u0131kacak sorunlar hem yeni bankay\u0131 hem m\u00fc\u015fterilerini hem de \u00e7al\u0131\u015fanlar\u0131n\u0131 y\u0131pratacakt\u0131r<\/div>\r\n
\u2022 <\/span>Birle\u015fme nedeniyle ortaya \u00e7\u0131kacak olan y\u00f6netici ve \u00e7al\u0131\u015fan fazlal\u0131\u011f\u0131 nedeniyle baz\u0131\u00e7al\u0131\u015fanlar i\u015flerini kaybedecektir. Daha \u00f6nce istifa ederek kamu kat\u0131l\u0131m bankas\u0131na ge\u00e7en nitelikli ve tecr\u00fcbeli ekipler tekrar eski bankalar\u0131na d\u00f6nmekte zorlanacak ve sekt\u00f6rde \u00e7al\u0131\u015fma imkan\u0131n\u0131 kaybedecektir.<\/div>\r\n
\u2022 <\/span>Birle\u015fme sonras\u0131 say\u0131lar\u0131 azalan kat\u0131l\u0131m bankalar\u0131 sekt\u00f6r pazar pay\u0131n\u0131 art\u0131rma hedefinden uzakla\u015facaklard\u0131r.<\/div>\r\n
\u2022 <\/span>Kamunun \u00fc\u00e7 banka ile temsil edildi\u011fi sekt\u00f6re verdi\u011fi katk\u0131 ve moral motivasyon azalacak, kat\u0131l\u0131m bankas\u0131 m\u00fc\u015fterileri \u00fczerindeki g\u00fcven sars\u0131lacak, yeni kat\u0131l\u0131m bankalar\u0131n\u0131n sekt\u00f6re giri\u015f hevesi k\u0131r\u0131lacakt\u0131r.<\/div>\r\n

Birle\u015fme karar\u0131n\u0131 verecek olanlar\u0131n yukar\u0131da k\u0131saca de\u011findi\u011fimiz mahsurlar\u0131n\u0131 da dikkate alarak, kat\u0131l\u0131m finans sistemine faydadan \u00e7ok zarar verece\u011fine inand\u0131\u011f\u0131m\u0131z b\u00f6ylesi bir karar\u0131 almamalar\u0131n\u0131 umuyoruz.<\/p>\r\n

Bu bankalarda \u00e7al\u0131\u015fan de\u011ferli y\u00f6neticilerin ve b\u00fcy\u00fck umutlarla di\u011fer kat\u0131l\u0131m bankalar\u0131ndan bu bankalara ge\u00e7en ya da kariyerine bu bankalarda ba\u015flayan arkada\u015flar\u0131m\u0131z\u0131n da bankalar\u0131na sahip \u00e7\u0131kacaklar\u0131n\u0131 \u00fcmit ediyoruz.<\/p>\r\n

Bir \u00e7a\u011fr\u0131 da Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fine yapmak istiyoruz. Sekt\u00f6r\u00fcn gelece\u011fi, Kamunun burada aktif olarak yer almas\u0131nda ve kat\u0131l\u0131m bankalar\u0131n\u0131n say\u0131lar\u0131n\u0131n artmas\u0131nda yatmaktad\u0131r. Kamu nezdinde isti\u015farelerde bulunarak bu birle\u015fmeye engel olunmal\u0131d\u0131r.<\/p>\r\n

Temennimiz kat\u0131l\u0131m finans sekt\u00f6r\u00fcnde say\u0131lar\u0131n azalmas\u0131 de\u011fil, artmas\u0131.<\/p>\r\n

Kamu \u00f6zel sekt\u00f6r el ele, kat\u0131l\u0131m finans\u0131n pay\u0131 %25\u2019lere in\u015fAllah. \u00a0<\/p>\r\n

 <\/p>\r\n

Yazar: Y\u00fcksel Kele\u015f<\/p>\r\n","protected":false},"excerpt":{"rendered":"

Son g\u00fcnlerde Kamu Kat\u0131l\u0131m Bankalar\u0131n\u0131n birle\u015ftirilece\u011fine dair haberler duyuyoruz. Hen\u00fcz kurulu\u015flar\u0131 \u00e7ok yeni, performanslar\u0131n\u0131 ger\u00e7ek anlamda g\u00f6stermek i\u00e7in gerekli zaman\u0131 ve ekonomik konjonkt\u00fcr\u00fc bulamam\u0131\u015f olan bu bankalar\u0131n birle\u015ftirilmesi karar\u0131n\u0131n alt\u0131nda ne yatt\u0131\u011f\u0131n\u0131 net olarak bilmiyoruz. Ancak b\u00f6yle bir haberin ortada dola\u015f\u0131yor olmas\u0131, bu bankalar\u0131ngelecekleri ile ilgili birtak\u0131m de\u011ferlendirmeler yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steriyor. B\u00f6yle bir birle\u015fmenin Kamu Kat\u0131l\u0131m […]<\/p>\n","protected":false},"author":1,"featured_media":1467,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-256","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\/256","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=256"}],"version-history":[{"count":2,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/256\/revisions"}],"predecessor-version":[{"id":1468,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/256\/revisions\/1468"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/media\/1467"}],"wp:attachment":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}