{"id":1043,"date":"2020-11-24T11:03:01","date_gmt":"2020-11-24T08:03:01","guid":{"rendered":"https:\/\/www.mynameismoney.com\/?p=1043"},"modified":"2020-11-24T11:03:06","modified_gmt":"2020-11-24T08:03:06","slug":"aktif-rasyo-nedir-etkikeri-nelerdir","status":"publish","type":"post","link":"https:\/\/www.mynameismoney.com\/en\/what-is-asset-ratio-what-are-its-effects\/","title":{"rendered":"What is Active Ratio? What are its Effects?"},"content":{"rendered":"

Today, I tried to answer the question of what is the active ratio, which is presented as breaking news and most of us do not know its meaning, and I tried to explain what the effects of this parameter can be before and after.<\/p>\n\n\n\n

In April 2020, the Banking Regulation and Supervision Agency (BRSA) announced that banks to get more lenders to lend more<\/strong> has developed a new model. According to this formula, banks must balance the deposits they collect with the loans, securities and swap transactions in which they utilize these resources, and banks that fail to do so will face fines.<\/p>\n\n\n\n

It was thought that some banks, but not all, would increase their lending in order to meet the ratio, and so they did. And in doing so, they increased their risk not to increase<\/strong> for \"hassle-free customers\"<\/strong> additional loans appeared. Others offered lower interest rates in order to reach trouble-free customers. Again, some banks more risky customers<\/strong>. In this way, they were able to market their interest rates a little bit higher. Risks were intensified with these decisions.<\/p>\n\n\n\n

Before the rest of the story, let's remember the formula:<\/p>\n\n\n\n

Asset Ratio (AR) = Loans + ( Securities x 0.75 ) + ( CBRT Swap x 0.5 )\/TL Deposits + ( FX Deposits x 1.75 )<\/strong><\/p>\n\n\n\n

It was then decided that as of October 1, the monthly average of the Asset Ratio would not fall below 90 percent for deposit banks and 70 percent for participation banks. These ratios were previously set at 95 percent and 75 percent.<\/p>\n\n\n\n

In this way, controlling the aforementioned risks and thus lowering the ration allowed banks to tighten the credit spigot.<\/p>\n\n\n\n

Impact:<\/p>\n\n\n\n

The CBRT is telling banks to take their foreign currency deposits to the Central Bank and convert them into Turkish lira through swaps. The aim is to make the Central Bank's foreign exchange reserves appear higher by getting banks to transfer their foreign currency holdings to the Central Bank. <\/p>\n\n\n\n

Side Effects:<\/p>\n\n\n\n

Turning to foreign currency and increasing borrowing through loans<\/p>\n\n\n\n

And yet, today I received a letter from the BRSA a new statement came in<\/strong>:<\/p>\n\n\n\n

\"At the meeting of the Board dated 24.11.2020, as a result of the examination of the letter dated 24.11.2020 and numbered 24049440-010.09- E.17434 and its annex, in accordance with Article 93 and the second paragraph of Article 43 of the Banking Law No. 5411 (Law),<\/p>\n\n\n\n

At a time when uncertainties and risks in global markets are high due to the COVID-19 pandemic, the pandemic process to minimize the negative impact on our economy, the market, production and employment to the lowest possible level and to ensure the efficient use of the resources held by the banks<\/strong><\/span> As a result of the re-evaluation of the Asset Ratio (AR) regulation, which was decided to be implemented by banks as of 01.05.2020 with the Board Decisions dated 18.04.2020 and numbered 9000, dated 30.04.2020 and numbered 9003, and revised with the Board Decisions dated 29.05.2020 and numbered 9042, dated 10.08.2020 and numbered 9125, dated 28.09.2020 and numbered 9170 and dated 26.10.2020 and numbered 9238, within the framework of normalization steps,<\/p>\n\n\n\n

- AR calculation is discontinued and all Board Resolutions related to this matter are hereby revoked. To be abolished as of 31.12.2020,<\/strong><\/p>\n\n\n\n

- This Decision shall be announced to the Associations and published on the Agency's website<\/p>\n\n\n\n

You can access the announcement here<\/a><\/p>\n\n\n\n

What is Active Ratio? What are its Effects?<\/p>\n\n\n\n

Epilogue:<\/p>\n\n\n\n

It is a positive step towards normalization and the elimination of the side effects I mentioned above. We wish the best for us<\/p>\n\n\n\n

Thank you.<\/p>\n\n\n\n

My Name is Money<\/p>","protected":false},"excerpt":{"rendered":"

Today, as an answer to the question of what is the active ratio, which is presented as breaking news and most of us do not know its meaning, and what the effects of this parameter can be before and after, I tried to explain as much as I can. In April 2020, the Banking Regulation and Supervision Agency (BRSA) developed a new model to enable banks to provide more loans. Banks will be able to lend more with the deposits they collect... Read More \"What is Active Ratio? What are its Effects?<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":1046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[326,327,329],"class_list":["post-1043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel-kultur","tag-bankacilik-duzenleme-ve-denetleme-kurulu","tag-faiz","tag-normallesme-sureci"],"jetpack_featured_media_url":"https:\/\/www.mynameismoney.com\/wp-content\/uploads\/2020\/11\/aktif-rasyo.jpg","yoast_head":"\nAktif 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