Basel III Uygulamaları ve BIST’de İşlem Gören Ticari Bankalar İçin Ampirik Bir Çalışma

Yıl 2018, Cilt: 2 Sayı: 4, 46 - 69, 31.01.2018

Ahmet Cenk Gültekin

Öz

Bankacılık
sektörü gerek politik gerek akademik ve gerekse toplumsal açıdan eleştirilere
maruz kalmaktadır. Ancak diğer sektörlere göre bakıldığında ise yoğun denetim
altında bulunan ve belli bir olgunluğa ulaşmış bir sektör olduğunu da belirtmek
gerekir. Öte yandan bankalar ekonomi için paranın aktarım mekanizmasının
devamlılığını sağlayan, verimli yatırımların finansmanı için önemli araçlardır.
Bu bağlamda bankaların sağlıklı bir bilanço yapısına sahip olması, ekonomik
anlamda yaşanacak krizlere karşı hazırlıklı olması önem arz etmektedir. Tam bu
noktada, Bankalar için düzenleme ve denetleme esaslarının iyi belirlenmesi ve
sürekliliğinin sağlanması gerekmektedir. Bankaların etkin denetim
mekanizmalarını geliştirebilmek amacıyla uluslararası platformda faaliyet
gösteren BSBC, Basel adında bir külliyat yazmıştır. Ayrıca ampirik olarak
seçilen 4 banka için bir çalışma yapılmıştır. Makalenin ana amacı hâlihazırda
BDDK tarafından belirlenen sisteme ek olarak uygulamaya geçecek Basel III
kriterlerinin sektör üzerinde ek sermaye doğuracağının testidir.

Banking
sector receives negative and positive critics from politically, academically
and publicly. However, on the other hand, the sector is highly regulated and
mature. Banks are efficient institutions for the economy to meet fund supply
and fund demand, to finance efficient investment and so on. It is crucial that,
in order to protect against economic shocks, banks should have healthy fiscal
status in terms of balance sheet and equity. Hence a good regulation and
supervision has important role to monitor bank activities. In order to
structure and develop efficient regulation and supervision activities, an
international institution called BSBC, has create rule of thumb called Basel
Criteria. The aim of this paper is to tell all story about Basel, its cause and
effects. Also an applied study for chosen four banks operates in Tukey was made
in order to measure additional capital need after Basel III.

Anahtar Kelimeler

BASEL I, BASEL II, BASEL III, Glass – Steagall, Gramm–Leach–Bliley Act

Kaynakça

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