Finansg\u00fcndem – Bankac\u0131l\u0131kta konsolidasyon s\u00fcr\u00fcyor<\/p>\n
K\u00fcresel bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn b\u00fcy\u00fcme potansiyellerini art\u0131rarak performanslar\u0131n\u0131 iyile\u015ftirebilmek i\u00e7in konsolidasyon s\u00fcrecinin devam etmesi gerekiyor<\/p>\n
K\u00fcresel finansal krizin ger\u00e7ekle\u015fti\u011fi 2008 y\u0131l\u0131ndan bu yana y\u00fczlerce banka batt\u0131. Lehman Brothers gibi dev finans kurulu\u015flar\u0131n\u0131n \u00e7\u00f6kmesiyle ba\u015flayan ve dramatik bir \u015fekilde artan batan banka say\u0131lar\u0131, sekt\u00f6rde dev bir konsolidasyon dalgas\u0131yla g\u00fcn\u00fcm\u00fcze kadar yava\u015flayarak devam etti.<\/p>\n
ABD\u2019de ve d\u00fcnyada h\u00fck\u00fcmet taraf\u0131ndan kurtar\u0131lan veya kurtar\u0131lmayan bankalar, birle\u015ferek veya birbirlerini sat\u0131n alarak ayakta kalmaya \u00e7al\u0131\u015f\u0131rken, Avrupa\u2019da ise bankalar h\u00fck\u00fcmetlerin deste\u011fiyle, bor\u00e7 kriziyle ve d\u00fc\u015f\u00fck karl\u0131l\u0131kla hala m\u00fccadele ediyor. K\u00fcresel bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn b\u00fcy\u00fcme potansiyellerini art\u0131rarak performanslar\u0131n\u0131 iyile\u015ftirebilmek i\u00e7in bu konsolidasyon s\u00fcrecine hala devam etti\u011fi ve etmesi gerekti\u011fi belirtiliyor. Uzmanlara g\u00f6re geli\u015fmekte olan ekonomilerin y\u00fckseli\u015fiyle bankac\u0131l\u0131k sekt\u00f6r\u00fcnde s\u0131n\u0131rlar aras\u0131 sat\u0131nalma ve birle\u015fme faaliyetleri art\u0131\u015f ya\u015f\u0131yor. Uzmanlar finansal kurumlar\u0131n volatil ve de\u011fi\u015fken bir d\u00f6neme girilirken yeni bir plana ihtiya\u00e7lar\u0131 oldu\u011funu ve konsolidasyonun devam etmesinin sekt\u00f6r\u00fc g\u00fc\u00e7lendirece\u011fini vurguluyor.<\/p>\n
Sadece ABD\u2019de 496 bank kapand\u0131<\/strong><\/p>\n ABD Federal Mevduat Sigorta Fonu (FDIC) verilerine g\u00f6re bu konsolidasyon depreminin dalgalar\u0131 h\u0131z\u0131n\u0131 kaybetmi\u015f olsa da, bug\u00fcn bile devam ediyor. 2014 y\u0131l\u0131nda toplamda 3.1 milyar varl\u0131\u011f\u0131 olan 18 bankan\u0131n batt\u0131\u011f\u0131 bunun da FDIC fonundan 398.8 milyon dolar zarara yol a\u00e7t\u0131\u011f\u0131 belirtiliyor. Bu rakam 2013\u2019te 6.1 milyar dolar de\u011ferinde varl\u0131k ve FDIC fonundan 1.17 milyar dolar zarar olarak kaydedilmi\u015f, 2012 y\u0131l\u0131nda ise varl\u0131klar\u0131 toplam\u0131 12 milyar dolar de\u011ferinde olan 51 banka batm\u0131\u015f ve FDIC fonundan 2.5 milyar dolar zarara yol a\u00e7m\u0131\u015ft\u0131. 2000 y\u0131l\u0131ndan bu yana ise ABD\u2019de toplam 496 bankan\u0131n kapand\u0131\u011f\u0131 belirtiliyor. Avrupa\u2019da da \u0130zlanda\u2019yla ba\u015flayan finansal kriz, \u0130ngiltere, Danimarka, \u0130talya, Bel\u00e7ika, \u0130spanya ve Portekiz gibi \u00fclkelerin Fortis, Banco Popolare, Dexia gibi dev bankalar\u0131n\u0131n h\u00fck\u00fcmetler taraf\u0131ndan kurtar\u0131lmas\u0131yla devam etti. \u0130ngiltere\u2019de Royal Bank of Scotland, Llyods ve HBOS bankalar\u0131na toplam 37 milyar pound sermaye ak\u0131t\u0131larak bu bankalar batmaktan kurtar\u0131ld\u0131.<\/p>\n Konsolidasyon ihtiyac\u0131 uyum maliyeti ve faizdeki belirsizlik<\/strong><\/p>\n Keefe, Bruyette & Woods (KBW) dan\u0131\u015fmanl\u0131k firmas\u0131n\u0131n verilerine g\u00f6re k\u00fcresel bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 30 hazirana kadar toplam 137 sat\u0131nalma ve birle\u015fme ger\u00e7ekle\u015fti ve bu anla\u015fmalarda bankalar\u0131n piyasa de\u011ferinin \u00fczerine verilen prim y\u00fczde 141\u2019e d\u00fc\u015ft\u00fc. Americanbanker\u2019da yer alan bir analize g\u00f6re yat\u0131r\u0131m bankalar\u0131 sat\u0131nalma ve birle\u015fmelerin 2015\u2019in son alt\u0131 ay\u0131nda da benzer \u015fekilde devam etmesini bekliyor. Yat\u0131r\u0131m bankas\u0131 Sandler O\u2019Neill y\u00f6neticilerinden Emmet Daly \u201cBizim de, rakiplerimizin de sat\u0131nalma ve birle\u015fmelerinde aslan pay\u0131 k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli bankalar\u0131n\u201d diye konu\u015ftu ve muhtemel anla\u015fmalar\u0131n en temel sebebinin uyum maliyeti ve faiz oranlar\u0131n\u0131n belirsiz olmas\u0131ndan kaynaklanaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n Franchise say\u0131s\u0131n\u0131 art\u0131rmak istiyorlar<\/strong><\/p>\n NewYork merkezli yat\u0131r\u0131m \u015firketi Gapstow finansal kurum yat\u0131r\u0131mlar\u0131 ba\u015fkan\u0131 Jack Thompson daha kendine has bir hale gelmeye ba\u015flad\u0131\u011f\u0131n\u0131 ve bankalar\u0131n franchise say\u0131s\u0131n\u0131 art\u0131rmak i\u00e7in f\u0131rsat kollad\u0131\u011f\u0131n\u0131 belirtti. Thompson, 11 milyar dolar varl\u0131\u011f\u0131 olan Phoenix\u2019teki Western Alliance Bancorp\u2019un, San Jose\u2019deki 1.9 milyar dolar de\u011ferindeki Bridge Bank\u2019\u0131 almas\u0131n\u0131n bankan\u0131n San Francisco\u2019daki faaliyetlerini art\u0131rmay\u0131 hedefledi\u011fini belirtti.<\/p>\n Aslan pay\u0131 500 milyon dolar\u0131n alt\u0131ndaki banka sat\u0131\u015flar\u0131n\u0131n<\/strong><\/p>\n Banka birle\u015fmelerinde ortalama de\u011fer ge\u00e7ti\u011fimiz y\u0131l ortalar\u0131nda 71 milyon dolarken bu y\u0131l bu rakam\u0131n 137 milyon dolara y\u00fckseldi\u011fi belirtilen KBW raporuna g\u00f6re Royal Bank of Canada\u2019n\u0131n City National\u2019\u0131 5.3 milyar dolara alm\u0131\u015f olmas\u0131 ve PacWest Bancorp\u2019un teknoloji bankas\u0131 Square 1 Financial\u2019\u0131 847 milyon dolara alm\u0131\u015f olmas\u0131n\u0131n bu ortalaman\u0131n y\u00fckselmesinde pay\u0131 oldu\u011fu belirtiliyor. Rapora g\u00f6re aslan pay\u0131 k\u00fc\u00e7\u00fck anla\u015fmalar\u0131n. 30 Haziran itibariyle 118 sat\u0131lan bankan\u0131n (toplam\u0131n y\u00fczde 85\u2019ini olu\u015fturuyor) de\u011ferinin 500 milyondan az varl\u0131\u011f\u0131 oldu\u011fu belirtiliyor. Banks Street Partners CEO\u2019su Lee Burrows k\u00fc\u00e7\u00fck banka sat\u0131\u015flar\u0131n\u0131n y\u0131l sonuna kadar iki kat\u0131na \u00e7\u0131kabilece\u011fini belirterek baz\u0131 kurumlar\u0131n organik b\u00fcy\u00fcmede ve sermaye art\u0131r\u0131m\u0131nda zorland\u0131\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izdi.<\/p>\n ECB stres testi ilk ad\u0131md\u0131, Euro bankalar\u0131 da konsolide olacak<\/strong><\/p>\n D\u00fcnyan\u0131n en eski yat\u0131r\u0131m bankalar\u0131ndan Londra merkezli Rothschild de Avrupa\u2019n\u0131n zay\u0131f bankalar\u0131n\u0131n bir sorun olmaya devam edece\u011fini ve b\u00fcy\u00fcmeyi a\u015fa\u011f\u0131 \u00e7ekti\u011fini belirterek euro bankalar\u0131n\u0131n da yeniden yap\u0131lanma s\u00fcreci ge\u00e7irece\u011fini \u00f6ng\u00f6r\u00fcyor. Alman ekonomi gazetesi Handelsblatt\u2019la yapt\u0131\u011f\u0131 r\u00f6portajda Euro B\u00f6lgesi bankac\u0131l\u0131k sekt\u00f6r\u00fcne dair \u00f6ng\u00f6r\u00fclerini payla\u015fan Rotschild Almanya yat\u0131r\u0131mlar finans sekt\u00f6r\u00fc yeniden yap\u0131lanma s\u00fcrecinde. Fazla kapasite ve d\u00fc\u015f\u00fck karl\u0131l\u0131k ka\u00e7\u0131n\u0131lmaz bir durum. ECB\u2019nin stres testleri \u00f6nemli bir mil ta\u015f\u0131yd\u0131. Fakat \u015fu anda bankalar kendilerini rekabet\u00e7i bir hale getirebilse bile sonucunda hi\u00e7bir banka karl\u0131l\u0131\u011f\u0131n\u0131 y\u00fckseltemiyor. Bu y\u00fczden Avrupa\u2019da da konsolidasyon ihtiyac\u0131 var – Euro B\u00f6lgesi\u2019nde di\u011fer bir\u00e7ok sekt\u00f6rde oldu\u011fu gibi\u201d diye konu\u015ftu.<\/p>\n KOB\u0130 kredileri K\u00f6rfez\u2019de kalite sorunu ya\u015f\u0131yor<\/strong><\/p>\n K\u00f6rfez bankac\u0131l\u0131k sekt\u00f6r\u00fcnde de perakende bankac\u0131l\u0131k ve KOB\u0130 bankac\u0131l\u0131\u011f\u0131 alanlar\u0131nda bir konsolidasyon bekleniyor. Gulf Times\u2019ta yer alan bir analize g\u00f6re Birle\u015fik Arap Emirlikleri\u2019nde bankac\u0131l\u0131k sekt\u00f6r\u00fc bu y\u0131l perakende ve KOB\u0130 bankac\u0131l\u0131\u011f\u0131 alanlar\u0131nda bir konsolidasyon ya\u015fayacak. K\u00f6rfez \u00dclkeleri \u0130\u015fbirli\u011fi Konseyi ve Birle\u015fik Arap Emirlikleri\u2019nde lider bankalara dan\u0131\u015fmanl\u0131k hizmeti veren Cedar Management Consulting International Y\u00f6netim Kurulu Ba\u015fkan\u0131 Sanjiv Anand, K\u00f6rfez bankac\u0131l\u0131k sekt\u00f6r\u00fcnde de benzer bir konsolidasyon oldu\u011funu belirtiyor.<\/p>\n Anand \u201c2008-2015 y\u0131llar\u0131 aras\u0131nda t\u00fcm bankalar KOB\u0130 faaliyetleri kurmaya ve geni\u015fletmeye odaklanm\u0131\u015ft\u0131. Fakat bu y\u0131l\u0131n ba\u015f\u0131ndan itibaren varl\u0131k kalitesi bak\u0131m\u0131ndan KOB\u0130 kredilerinde sorun ya\u015fayabileceklerini g\u00f6rd\u00fcler ve baz\u0131 bankalar d\u00fczeltici eylemler ger\u00e7ekle\u015fmeye ba\u015flad\u0131 bile\u201d diye konu\u015ftu. Anand, finansal kriz sonras\u0131 bankalar\u0131n bilan\u00e7olar\u0131n\u0131 agresif bir \u015fekilde geni\u015fletti\u011fini fakat \u015fimdi Birle\u015fik Arap Emirli\u011fi bankalar\u0131n\u0131n portfolyalar\u0131ndaki \u00f6zellikle de KOB\u0130 portfolyosundaki varl\u0131klar\u0131n kalitesini tekrar de\u011ferlendirdi\u011fine dikkat \u00e7ekti.<\/p>\n Hindistan\u2019da k\u00fc\u00e7\u00fck bankalar k\u00f6t\u00fc kredilerle bo\u011fu\u015fuyor<\/strong><\/p>\n Hindistan\u2019da da sekt\u00f6r\u00fcn konsolidasyon ihtiyac\u0131 oldu\u011fu, \u00f6zellikle devlet bankalar\u0131n\u0131n rakipleriyle birle\u015fmesi gerekti\u011fi ve milyarder Kotak\u2019\u0131n bankas\u0131 Kotak Mahindra Bank Ltd\u2019nin ba\u015fka bir bankay\u0131 almak istedi\u011fi belirtiliyor. Hindistan\u2019da bu y\u0131l \u00fclke tarihindeki en b\u00fcy\u00fck banka sat\u0131nalma i\u015flemini tamamlam\u0131\u015f olan Kotak Mahindra Bank\u2019\u0131n da k\u00f6t\u00fc kredilerle m\u00fccadele ederek k\u00e2r yaratmakta zorlanan yerel bankalar aras\u0131ndan sat\u0131n al\u0131nabilecekleri ara\u015ft\u0131rd\u0131\u011f\u0131 belirtiliyor. Bloomberg\u2019in haberine g\u00f6re Kotak Mahindra y\u00f6netici direkti\u00f6r\u00fc C Jayaram g\u00fc\u00e7s\u00fcz devlet bankalar\u0131n\u0131n daha g\u00fc\u00e7l\u00fc rakipleriyle birle\u015fmesine izin verilmesi gerekti\u011fini s\u00f6yledi. Nirmal Bang Institutional Equities bankac\u0131l\u0131k analisti Hatim Broachwala da \u201cHindistan bankac\u0131l\u0131k sisteminde konsolidasyon devlet bankalar\u0131yla ba\u015flamal\u0131. K\u00fc\u00e7\u00fck bankalar d\u00fc\u015f\u00fck karl\u0131l\u0131k, y\u00fcksek k\u00f6t\u00fc kredi oranlar\u0131 ve s\u0131n\u0131rl\u0131 sermaye ile m\u00fccadele etti\u011fi i\u00e7in bu bir \u00f6ncelik olmal\u0131\u201d diye konu\u015ftu.<\/p>\n HSBC ve Finansbank da s\u00fcre\u00e7ten etkilenecek<\/strong><\/p>\n Ge\u00e7ti\u011fimiz g\u00fcnlerde T\u00fcrkiye\u2019de faaliyet g\u00f6steren HSBC\u2019nin T\u00fcrkiye\u2019den \u00e7\u0131kaca\u011f\u0131 haberlerinin ard\u0131ndan Hollandal\u0131 ING\u2019nin HSBC T\u00fcrkiye faaliyetlerini sat\u0131n almaya haz\u0131rland\u0131\u011f\u0131, Finansbank\u2019\u0131n hissedarlar\u0131ndan National Bank of Greece\u2019in (NBG) ise T\u00fcrkiye operasyonlar\u0131n\u0131 satmaya haz\u0131rland\u0131\u011f\u0131 iddia edilmi\u015fti. \u0130ngiliz yay\u0131n kurulu\u015fu Financial Times haberine g\u00f6re Hollanda bankas\u0131 ING, HSBC T\u00fcrkiye\u2019yi almak i\u00e7in g\u00f6r\u00fc\u015fmelere ba\u015flad\u0131. Habere g\u00f6re finansal kriz s\u00fcresince Hollanda h\u00fck\u00fcmeti taraf\u0131ndan kurtar\u0131lan ve bu y\u00fczden \u00fc\u00e7 hafta \u00f6ncesine kadar Avrupa Birli\u011fi devlet yard\u0131m\u0131 kurallar\u0131 \u00e7er\u00e7evesinde herhangi bir sat\u0131nalma ger\u00e7ekle\u015ftirmesi yasak olan ING anla\u015fma ger\u00e7ekle\u015firse h\u0131zl\u0131 bir d\u00f6n\u00fc\u015f yap\u0131yor olacak.<\/p>\n Haberde HSBC\u2019nin 1.1 milyar dolar defter de\u011feri olan T\u00fcrkiye operasyonlar\u0131n\u0131 bir indirimle sataca\u011f\u0131 iddia edildi. \u00d6te yandan HSBC operasyonlar\u0131n\u0131n al\u0131m\u0131yla ilgilenen Qatar National Bank ve Bahreynli Arab Bank Corporation gibi bankalar\u0131n \u015fimdi Finansbank\u2019a odakland\u0131\u011f\u0131 belirtiliyor. National Bank of Greece\u2019in Yunanistan bor\u00e7 krizi sebebiyle T\u00fcrkiye\u2019deki yabanc\u0131 sermayeli en ba\u015far\u0131l\u0131 bankalardan biri olan Finansbank\u2019taki kontrol hissesini satmaya haz\u0131rland\u0131\u011f\u0131 belirtildi.<\/p>\n NBG\u2019nin sermayesini desteklemek i\u00e7in T\u00fcrk bankan\u0131n en az y\u00fczde 40\u2019\u0131n\u0131 satmas\u0131 gerekti\u011fi ifade ediliyor. FT haberinde yabanc\u0131 bankalar\u0131n daha \u00f6nce de T\u00fcrkiye\u2019de al\u0131mlar yapt\u0131\u011f\u0131na dikkat \u00e7ekerek y\u00fcksek rekabet ve belirli \u00fcr\u00fcnlerdeki faiz oranlar\u0131n\u0131n devlet taraf\u0131ndan s\u0131n\u0131rl\u0131 olmas\u0131 sebebiyle ba\u015far\u0131l\u0131 olamad\u0131klar\u0131n\u0131 belirtti.<\/p>\n","protected":false},"excerpt":{"rendered":" Finansg\u00fcndem – Bankac\u0131l\u0131kta konsolidasyon s\u00fcr\u00fcyor K\u00fcresel bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn b\u00fcy\u00fcme potansiyellerini art\u0131rarak performanslar\u0131n\u0131 iyile\u015ftirebilmek i\u00e7in konsolidasyon s\u00fcrecinin devam etmesi gerekiyor<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"views":3589,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/651"}],"collection":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/comments?post=651"}],"version-history":[{"count":1,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/651\/revisions"}],"predecessor-version":[{"id":652,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/651\/revisions\/652"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}