{"id":20752,"date":"2023-07-12T14:12:59","date_gmt":"2023-07-12T13:12:59","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=20752"},"modified":"2023-07-12T14:12:59","modified_gmt":"2023-07-12T13:12:59","slug":"ingilterenin-onde-gelen-sekiz-bankasi-stres-testini-basariyla-gecti","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingilterenin-onde-gelen-sekiz-bankasi-stres-testini-basariyla-gecti\/","title":{"rendered":"\u0130ngiltere&#8217;nin \u00f6nde gelen sekiz bankas\u0131 stres testini ba\u015far\u0131yla ge\u00e7ti"},"content":{"rendered":"<p>\u0130ngiltere Merkez Bankas\u0131 (BOE), \u0130ngiltere&#8217;nin \u00f6nde gelen sekiz bankas\u0131n\u0131n t\u00fcm\u00fcn\u00fcn son stres testini ba\u015far\u0131yla ge\u00e7ti\u011fini a\u00e7\u0131klad\u0131.<\/p>\n<p>\u00c7ar\u015famba g\u00fcn\u00fc yay\u0131nlanan sonu\u00e7lara g\u00f6re, bu bankalar, olas\u0131 bir ekonomik kriz durumunda kredi sa\u011flama yeteneklerini koruyacak \u015fekilde yeterli sermayeye sahip olduklar\u0131n\u0131 belirtti. Stres testinde, konut piyasas\u0131n\u0131n \u00e7\u00f6kmesi, artan i\u015fsizlik oranlar\u0131 ve y\u00fczde 6&#8217;ya kadar y\u00fckselen faiz oranlar\u0131 gibi ekonomiye y\u00f6nelik bir \u015fok senaryosu ele al\u0131nd\u0131.<\/p>\n<p>BOE&#8217;nin yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, &#8220;\u0130ngiltere bankac\u0131l\u0131k sistemi, ekonomik ve finansal ko\u015fullar\u0131n beklenenden daha k\u00f6t\u00fc hale gelmesi durumunda bile, hane halklar\u0131 ve i\u015fletmeleri y\u00fcksek faiz oranlar\u0131 d\u00f6neminde destekleme kapasitesine sahip&#8221; denildi. Ayr\u0131ca, kullan\u0131lan senaryonun mevcut makroekonomik g\u00f6r\u00fcn\u00fcmden daha zorlu bir durumu temsil etti\u011fi vurguland\u0131.<\/p><div id=\"briti-1706954697\" class=\"briti-icerik\" style=\"margin-top: 5px;margin-bottom: 5px;\"><a href=\"https:\/\/piaryum.com\/services\/\" aria-label=\"piaryum banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/Gemini_Generated_Image_g5yqr1g5yqr1g5yq.jpg\" alt=\"\"  width=\"2064\" height=\"1152\"   \/><\/a><\/div>\n<p>Bu y\u0131l test edilen bankalar aras\u0131nda Barclays Plc, HSBC Holdings Plc, Lloyds Banking Group Plc, Nationwide Building Society, NatWest Group Plc, Banco Santander SA&#8217;n\u0131n \u0130ngiliz kolu, Standard Chartered Plc ve Virgin Money UK Plc bulunuyor. Bu bankalar, \u0130ngiltere ekonomisine sa\u011flanan kredilerin yakla\u015f\u0131k y\u00fczde 75&#8217;ini temsil ediyor.<\/p>\n<p>BOE, bu bankalar\u0131n 1,4 trilyon sterlin (1,8 trilyon dolar) de\u011ferinde y\u00fcksek kaliteli likit varl\u0131klara sahip oldu\u011funu ve bu varl\u0131klar\u0131n yakla\u015f\u0131k \u00fc\u00e7te ikisinin nakit veya merkez bankas\u0131 rezervlerinde oldu\u011funu belirtti. Bu da bankalar\u0131n piyasalardaki likidite bask\u0131s\u0131 durumunda kredi sa\u011flama konusunda yeterli kaynaklara sahip olduklar\u0131 anlam\u0131na geliyor.<\/p>\n<p>Stres testi, Rusya&#8217;n\u0131n Ukrayna&#8217;y\u0131 i\u015fgal etmesinin ard\u0131ndan Eyl\u00fcl ay\u0131nda ba\u015flam\u0131\u015f olup alt\u0131 ayl\u0131k bir gecikmeyle yay\u0131nland\u0131. Testte, \u0130ngiltere&#8217;nin politika faizinin y\u00fczde 6&#8217;ya y\u00fckseldi\u011fi bir senaryo ele al\u0131nd\u0131. Ayr\u0131ca, \u0130ngiltere&#8217;nin milli gelirinin y\u00fczde 5 darald\u0131\u011f\u0131, i\u015fsizlik oran\u0131n\u0131n y\u00fczde 8,5&#8217;e \u00e7\u0131kt\u0131\u011f\u0131 ve konut fiyatlar\u0131n\u0131n y\u00fczde 31 d\u00fc\u015ft\u00fc\u011f\u00fc gibi \u015foklara kar\u015f\u0131 bankalar\u0131n nas\u0131l ba\u015fa \u00e7\u0131kabilece\u011fi incelendi.<\/p>\n<p>Bu stres testi, \u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n 2014 y\u0131l\u0131ndan bu yana sekt\u00f6r\u00fcn ekonomik zorluklara kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 kontrol etmek amac\u0131yla d\u00fczenli olarak ger\u00e7ekle\u015ftirdi\u011fi testlerden biridir. Bankalar\u0131n bu testi ba\u015far\u0131yla ge\u00e7meleri, finansal kriz sonras\u0131 sekt\u00f6r\u00fcn g\u00fc\u00e7lendi\u011fini ve ekonomik zorluklarla ba\u015fa \u00e7\u0131kabilecek durumda oldu\u011funu g\u00f6stermektedir.<\/p>\n<div id=\"briti-2667617116\" class=\"briti-icerikten-sonra_2\" style=\"margin-top: 25px;margin-bottom: 25px;\"><a href=\"https:\/\/wa.me\/message\/NDZLLIOQT4H3O1\" aria-label=\"bytv reklam banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/bytv-reklam-banner.jpg\" alt=\"\"  width=\"2376\" height=\"1008\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>\u0130ngiltere Merkez Bankas\u0131 (BOE), \u0130ngiltere&#8217;nin \u00f6nde gelen sekiz bankas\u0131n\u0131n t\u00fcm\u00fcn\u00fcn son stres testini ba\u015far\u0131yla ge\u00e7ti\u011fini a\u00e7\u0131klad\u0131. \u00c7ar\u015famba g\u00fcn\u00fc yay\u0131nlanan sonu\u00e7lara g\u00f6re, bu bankalar, olas\u0131 bir ekonomik kriz durumunda kredi sa\u011flama yeteneklerini koruyacak \u015fekilde yeterli sermayeye sahip olduklar\u0131n\u0131 belirtti. Stres testinde, konut piyasas\u0131n\u0131n \u00e7\u00f6kmesi, artan i\u015fsizlik oranlar\u0131 ve y\u00fczde 6&#8217;ya kadar y\u00fckselen faiz oranlar\u0131 gibi ekonomiye y\u00f6nelik bir \u015fok senaryosu ele al\u0131nd\u0131. BOE&#8217;nin yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, &#8220;\u0130ngiltere bankac\u0131l\u0131k sistemi, ekonomik ve finansal ko\u015fullar\u0131n beklenenden daha k\u00f6t\u00fc hale gelmesi durumunda bile, hane halklar\u0131 ve i\u015fletmeleri y\u00fcksek faiz oranlar\u0131 d\u00f6neminde destekleme kapasitesine sahip&#8221; denildi. Ayr\u0131ca, kullan\u0131lan senaryonun mevcut makroekonomik g\u00f6r\u00fcn\u00fcmden daha zorlu bir durumu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-20752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ingiltere"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/20752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=20752"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/20752\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/20529"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=20752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=20752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=20752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}