{"id":524,"date":"2022-10-21T09:02:09","date_gmt":"2022-10-21T12:02:09","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=524"},"modified":"2023-02-21T23:33:15","modified_gmt":"2023-02-22T02:33:15","slug":"bancos-dos-eua-se-beneficiam-de-aumentos-de-despesas-do-fed-enquanto-mantem-o-passatempo-de-deposito-baixo","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/tr\/bancos-dos-eua-se-beneficiam-de-aumentos-de-despesas-do-fed-enquanto-mantem-o-passatempo-de-deposito-baixo\/","title":{"rendered":"ABD bankalar\u0131, mevduat faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fck tutarken Fed&#039;in harcamalar\u0131ndaki art\u0131\u015ftan faydalan\u0131yor."},"content":{"rendered":"<p><span>ABD&#039;nin en b\u00fcy\u00fck bankalar\u0131, Federal Rezerv&#039;in hobi faizlerini art\u0131rma kampanyas\u0131ndan faydalanarak, m\u00fc\u015fterilerine mevduat faizlerinde \u00e7ok daha y\u00fcksek oranlar sunmadan t\u00fcketici kredileri ve kurumsal kredi puanlama sistemleri i\u00e7in daha y\u00fcksek faiz oranlar\u0131 uyguluyor.<\/span><\/p>\n<p><span>Gen\u00e7 kredi kurulu\u015flar\u0131, JPMorgan Chase, Citigroup ve Wells Fargo ile birlikte Cuma g\u00fcn\u00fc, bu \u00f6nemli finans kurumunun agresif politikas\u0131n\u0131n uzun vadede kendilerine pahal\u0131ya mal olabilece\u011fini ve ekonomik yava\u015flama nedeniyle bilinen kredi kay\u0131plar\u0131 i\u00e7in ayr\u0131lan kar\u015f\u0131l\u0131klar\u0131 art\u0131rabilece\u011fini a\u00e7\u0131k\u00e7a belirttiler.<\/span><\/p>\n<p><span>Bankalar i\u00e7in sonu\u00e7lar, net faiz gelirlerindeki de\u011fi\u015fimle (mevduatlara \u00f6dedikleri faiz ile kredilerden ve di\u011fer varl\u0131klardan elde ettikleri kazan\u00e7 aras\u0131ndaki fark) daha olumlu bir \u015fekilde de\u011ferlendirildi. JPMorgan, \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte net gelirinin 17,6 milyar ABD dolar\u0131 oldu\u011funu, bunun 12 ay \u00f6ncesine g\u00f6re 34 milyar dolarl\u0131k bir art\u0131\u015f ve finans kurumu i\u00e7in yeni bir rekor oldu\u011funu a\u00e7\u0131klad\u0131. Wells ve Citi, 2019&#039;dan bu yana en iyi net faiz geliri rakamlar\u0131n\u0131 bildirdi.<\/span><\/p>\n<p><span>Ayn\u0131 zamanda, kredi kurulu\u015flar\u0131 kredi notu gerilimlerinden yararlanarak stoklar\u0131n\u0131 art\u0131r\u0131rken, m\u00fc\u015fteriler de kredi kartlar\u0131yla kredi \u00e7ekmeye ba\u015flay\u0131nca, bankalar bir\u00e7ok kredi \u00fcr\u00fcn\u00fcne y\u00f6nelik talebin artt\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyor.<\/span><\/p>\n<p><span>\u201cBarclays bankac\u0131l\u0131k analisti Jason Goldberg, piyasa de\u011feri bak\u0131m\u0131ndan en b\u00fcy\u00fck 20 ABD bankas\u0131 hakk\u0131nda \u015funlar\u0131 s\u00f6yledi: &quot;Her \u015fey do\u011fruland\u0131\u011f\u0131nda ve ger\u00e7ekle\u015fti\u011finde, genel endeksimizin internet faaliyet gelirleri a\u00e7\u0131s\u0131ndan bir kontrol \u00e7eyre\u011fi olaca\u011f\u0131na inan\u0131yoruz.&quot;.<\/span><\/p>\n<p><span>JPMorgan ve Wells, net faiz gelirine (NII) ili\u015fkin y\u0131ll\u0131k tahminlerini yukar\u0131 y\u00f6nl\u00fc revize etti: JPMorgan, al\u0131m-sat\u0131m b\u00f6l\u00fcm\u00fcyle birlikte NII&#039;sinin bu 12 ayda yakla\u015f\u0131k 381 milyon dolar artaca\u011f\u0131n\u0131 \u00f6ng\u00f6r\u00fcrken, Wells y\u0131ll\u0131k bazda &#039;l\u00fck bir art\u0131\u015f \u00f6ng\u00f6r\u00fcyor. Citi ise tahminlerini de\u011fi\u015ftirmeyerek, d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte NII&#039;sinin 1,5 milyar ila 1,8 milyar dolar aras\u0131nda artmas\u0131n\u0131 bekliyor.<\/span><\/p>\n<p><span>\u201cNew York&#039;taki Oppenheimer analisti Chris Kotowski, &quot;Her \u00fc\u00e7 durumda da, \u00e7evrimi\u00e7i hobi gelirlerinin beklentilerimizi ve piyasa beklentilerini a\u015ft\u0131\u011f\u0131n\u0131 s\u00f6ylemek makul olur diye d\u00fc\u015f\u00fcn\u00fcyorum&quot; dedi.<\/span><\/p>\n<p><span>Fed&#039;in k\u00f6t\u00fc riskten korunma cezalar\u0131 daha sonra gelebilir. Mart ay\u0131nda s\u0131f\u0131ra yak\u0131n olan g\u00f6sterge riskten korunma harcamalar\u0131n\u0131 31.3 trilyon ila 3.251.3 trilyon hedef aral\u0131\u011f\u0131na y\u00fckselterek, bu \u00f6nemli finansal kurum resesyon olas\u0131l\u0131\u011f\u0131n\u0131 art\u0131rd\u0131. Finansal krizler bankalar i\u00e7in tehlikelidir \u00e7\u00fcnk\u00fc ipotek kay\u0131plar\u0131 genellikle artar ve harcamalar azal\u0131r.<\/span><\/p>\n<p><span>Bankalar bu \u00e7eyre\u011fi kredi kay\u0131plar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in daha fazla fon ay\u0131rmakla ge\u00e7irseler de, olas\u0131 bir yava\u015flamay\u0131 atlatmak i\u00e7in stratejilerinde iyimser bir yakla\u015f\u0131m benimsediler.<\/span><\/p>\n<p><span>\u201cJPMorgan&#039;\u0131n devlet varl\u0131klar\u0131 sorumlusu Jamie Dimon, analistlere &quot;Bir durgunluk d\u00f6neminde nispeten iyi getiriler elde ederiz&quot; dedi.<\/span><\/p>\n<p><span>Yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131 \u00fccretleri, al\u0131m sat\u0131m faaliyetlerindeki dramatik yava\u015flamadan olumsuz etkilenirken, kredi verme faaliyetleri art\u0131yor. JPMorgan&#039;da yat\u0131r\u0131m bankac\u0131l\u0131\u011f\u0131 \u00fccretleri y\u0131ll\u0131k bazda ,1 d\u00fc\u015f\u00fc\u015fle 1,7 milyar dolara gerilerken, Citi&#039;de bu oranlar ,3 d\u00fc\u015f\u00fc\u015fle 631 milyon dolara indi.<\/span><\/p>\n<p><span>\u201cWells Fargo&#039;da bankac\u0131l\u0131k analisti olan Mike Mayo, sekt\u00f6r hakk\u0131nda genel olarak \u015funlar\u0131 s\u00f6yledi: &quot;Ana ak\u0131m bankac\u0131l\u0131k sekt\u00f6r\u00fcnden gelen inan\u0131lmaz olumlu r\u00fczgarlar, Wall Street bankac\u0131l\u0131k sekt\u00f6r\u00fcnden gelen olumsuz r\u00fczgarlarla dengeleniyor.&quot;.<\/span><\/p>\n<p><span>Bankalar\u0131n kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu soru, hobi ama\u00e7l\u0131 hisse senedi fiyatlar\u0131ndaki yukar\u0131 y\u00f6nl\u00fc ivmenin ne kadar\u0131n\u0131 faiz getiren bor\u00e7lar\u0131 olan al\u0131c\u0131lara aktarmay\u0131 beklediklerini \u00f6l\u00e7en &quot;mevduat betalar\u0131&quot; ile e\u011flenmeye devam edip edemeyecekleridir. Mevduatlar genellikle bankalar i\u00e7in en ucuz finansman kayna\u011f\u0131d\u0131r.<\/span><\/p>\n<p><span>Daha bilin\u00e7li t\u00fcketiciler, \u015firketler ve finans kurumlar\u0131na benzer \u015fekilde, hobi maliyetleri y\u00fckseldi\u011finde mevduatlar\u0131n\u0131 daha y\u00fcksek getiri sa\u011flayan yat\u0131r\u0131mlara y\u00f6nlendirme olas\u0131l\u0131klar\u0131 daha y\u00fcksektir. D\u00fczenleyici dosyalara g\u00f6re, JPMorgan, Citi ve Wells&#039;teki kurumsal mevduatlar son 12 ayda yakla\u015f\u0131k 120 milyar ABD dolar\u0131 azald\u0131.<\/span><\/p>\n<p><span>Citi&#039;nin rakiplerine k\u0131yasla daha k\u00fc\u00e7\u00fck bir perakende bankac\u0131l\u0131k i\u015fine sahip olmas\u0131 nedeniyle, de\u011fer duyarl\u0131l\u0131\u011f\u0131 daha y\u00fcksek olan kurumsal m\u00fc\u015fterilerden gelen mevduatlara daha fazla ba\u011f\u0131ml\u0131d\u0131r. Citi&#039;nin net faiz marj\u0131 ge\u00e7en y\u0131lki 2,31%&#039;den 1,99%&#039;ye d\u00fc\u015ft\u00fc.<\/span><\/p>\n<p><span>JPMorgan&#039;\u0131n ba\u015f ekonomi sorumlusu Jeremy Barnum, analistlere mevduat beta katsay\u0131lar\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131n\u0131n, k\u0131smen Fed&#039;in faiz art\u0131r\u0131mlar\u0131n\u0131n h\u0131z\u0131 nedeniyle tarihsel gereksinimlerden kaynakland\u0131\u011f\u0131n\u0131 bildirdi. Buna ek olarak, bir\u00e7ok banka y\u00f6neticisi, baz\u0131 durumlarda mevduat faiz oranlar\u0131n\u0131n genel hobi faiz oranlar\u0131na paralel olarak daha da y\u00fckselece\u011fi konusunda uyard\u0131.<\/span><\/p>\n<p><span>\u201cWells Bank&#039;\u0131n Finans Direkt\u00f6r\u00fc Mike Santomassimo, bankan\u0131n kazan\u00e7 konferans g\u00f6r\u00fc\u015fmesinde, &quot;Fed faiz art\u0131r\u0131mlar\u0131n\u0131 durdurdu\u011funda, mevduat fiyatlar\u0131n\u0131n y\u00fckselmeye ba\u015flamas\u0131ndan \u00f6nce bir gecikme g\u00f6receksiniz,&quot; dedi. &quot;Bu son derece normal ve beklenen bir durum.&quot;\u201d&nbsp;<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Os maiores bancos dos EUA est\u00e3o lucrando com a campanha do Federal Reserve para aumentar as taxas de passatempo, cobrando mais por empr\u00e9stimos ao consumidor e tens\u00f5es corporativas de pontua\u00e7\u00e3o de cr\u00e9dito sem oferecer aos clientes taxas muito mais altas sobre dep\u00f3sitos. jovens, os principais credores junto com JPMorgan Chase, Citigroup e Wells Fargo deixaram [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-524","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts\/524","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/comments?post=524"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts\/524\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/media?parent=524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/categories?post=524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/tags?post=524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}