Yap\u0131 Kredi Genel M\u00fcd\u00fcr\u00fc Faik A\u00e7\u0131kal\u0131n, ald\u0131klar\u0131 masraf kalemlerine yenilerinin eklenebilece\u011fi sinyali vererek, \u201cHer hizmetin bedeli var. \u0130leride kendi bankan\u0131z\u0131n ATM\u2019si de \u00fccretli olabilir\u201d dedi.<\/p>\n
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Yap\u0131 Kredi Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Faik A\u00e7\u0131kal\u0131n, bankalar\u0131n \u015feffaf, a\u00e7\u0131k ve makul oldu\u011fu m\u00fcddet\u00e7e maliyetlerini m\u00fc\u015fterilerine yans\u0131tmalar\u0131n\u0131n son derece do\u011fal oldu\u011funu belirtti. Bankalar\u0131n \u015fu an ald\u0131klar\u0131 masraflara yenilerinin de eklenebilece\u011finin sinyalini veren A\u00e7\u0131kal\u0131n, \u201cBankalar verdi\u011fi her hizmet i\u00e7in bir bedel \u00f6d\u00fcyor. Yap\u0131lan masraf\u0131n al\u0131nmamas\u0131 da m\u00fcmk\u00fcnd\u00fcr. Ama siz benim babam\u0131n o\u011flu olmad\u0131\u011f\u0131n\u0131za g\u00f6re benim o paray\u0131 sizden ba\u015fka bir yerden kazan\u0131yor olmam gerekir. \u00d6b\u00fcr t\u00fcrl\u00fc benim k\u00fc\u00e7\u00fck hissedar\u0131m\u0131n veya mevduat sahibimin beni dava etmesi laz\u0131m. \u2018Arkada\u015f nas\u0131l oluyor da sen benim hakk\u0131mla Ahmet\u2019in \u00f6demesi gereken masraf\u0131 s\u00fcbvanse ediyorsun\u2019 diye\u201d dedi. Sorular \u00fczerine \u00f6n\u00fcm\u00fczdeki y\u0131llarda y\u00fczdesel olarak masraf ve komisyonlar\u0131n toplam gelirler i\u00e7indeki oran\u0131n\u0131n bug\u00fcnk\u00fc oranlar\u0131n \u00fcst\u00fcne \u00e7\u0131kaca\u011f\u0131n\u0131 ifade eden A\u00e7\u0131kal\u0131n, \u201cKendi bankam\u0131z\u0131n ATM\u2019sinden para \u00e7ekerken masraf \u00f6deyecek miyiz\u201d sorusuna \u015fu yan\u0131t\u0131 verdi: \u201cBu soruya evet ya da hay\u0131r demek kolay de\u011fil. \u015eu an \u00f6demiyorsunuz. Bundan 5 y\u0131l sonra 10 y\u0131l sonra e\u011fer bankalara \u2018\u015eu masraf\u0131n\u0131z\u0131 yap\u0131n ama s\u00fcbvanse edin\u2019 denirse maliyetleri yans\u0131tmak zorunda kal\u0131r\u0131z.\u201d<\/p>\n
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Faiz d\u00fc\u015ft\u00fc, durum de\u011fi\u015fti<\/strong><\/p>\n M\u00fc\u015fterinin ald\u0131\u011f\u0131 hizmetin bir maliyeti oldu\u011funa, bu maliyetleri yans\u0131tma veya yans\u0131tmama konusunda bankalar aras\u0131nda farkl\u0131l\u0131klar oldu\u011funa dikkat \u00e7eken A\u00e7\u0131kal\u0131n \u015f\u00f6yle devam etti: \u201c\u015eubelerinizi yar\u0131m a\u00e7amazs\u0131n\u0131z. Tam \u015fekilde, en iyi yerde a\u00e7acaks\u0131n\u0131z. A\u00e7t\u0131\u011f\u0131n\u0131zda belki di\u011fer i\u015f yerlerinin 3 misli kira \u00f6deyerek a\u00e7acaks\u0131n\u0131z. \u00dczerine resmi bayram, tatil v.s. tan\u0131mayacaks\u0131n\u0131z. \u00c7\u00fcnk\u00fc m\u00fc\u015fteriniz ATM\u2019den 7 g\u00fcn 24 saat hizmet almak isteyebilir. ATM\u2019lerinizi gece 3\u2019te de olsa sabah 7\u2019de de olsa dolduracaks\u0131n\u0131z. Gece 2\u2019de m\u00fc\u015fteriniz \u00e7orbac\u0131da kart verdi\u011fi zaman \u2018Bankan\u0131z kapal\u0131, kart\u0131n\u0131z \u00e7al\u0131\u015fm\u0131yor\u2019 denmeyecek. ATM\u2019ye s\u00fcrekli para koymak zorundas\u0131n\u0131z. B\u00fct\u00fcn bunlar\u0131n bir maliyeti var. Biz sizi al\u0131\u015ft\u0131rmad\u0131k, devlet bizi y\u00fcksek faize al\u0131\u015ft\u0131rm\u0131\u015ft\u0131. Son 10 y\u0131ld\u0131r b\u00f6yle de\u011fil. Faizler d\u00fc\u015ft\u00fc. Dolay\u0131s\u0131yla bu i\u015fler normale d\u00f6nmek zorunda.\u201d<\/p>\n <\/p>\n Bankalar\u0131n masraf kalemleri<\/strong><\/p>\n – Y\u0131ll\u0131k kredi kart\u0131 aidat\u0131<\/p>\n – Hesap i\u015fletim \u00fccreti<\/p>\n – \u0130\u015flemsizlik \u00fccreti<\/p>\n – Dosya masraf\u0131<\/p>\n – Komisyon \u00fccreti<\/p>\n – Hayat sigortas\u0131 \u00fccreti<\/p>\n – Sigorta bedelleri<\/p>\n – Katk\u0131 pay\u0131<\/p>\n – Ekspertiz \u00fccreti<\/p>\n – \u0130potek tesis \u00fccreti<\/p>\n – \u0130potek \u00fccreti<\/p>\n – \u0130lave pe\u015fin komisyon<\/p>\n – Havale \u00fccretleri<\/p>\n – EFT \u00fccretleri<\/p>\n – D\u00f6viz transfer \u00fccretleri<\/p>\n – Mevzuat ara\u015ft\u0131rma \u00fccreti<\/p>\n – Dekont \u00fccreti<\/p>\n – Ekstre \u00fccreti<\/p>\n – Telefon-faks-posta \u00fccreti<\/p>\n – SMS-mail \u00fccretleri<\/p>\n – \u015eifre g\u00f6nderim \u00fccreti<\/p>\n – Menkul bak\u0131m \u00fccreti<\/p>\n – Rehin-haciz kald\u0131rma \u00fccreti<\/p>\n – Nakit avans komisyonu<\/p>\n – Di\u011fer \u015fubedeki d\u00f6viz tevdiat hesab\u0131ndan para \u00e7ekme \u00fccreti<\/p>\n – As\u0131l kart bedeli<\/p>\n – Harcama vaadi ihlal \u00fccreti<\/p>\n – Ar\u015fivden belge \u00e7\u0131karma \u00fccreti<\/p>\n – \u2018Kredi kart\u0131 borcu yoktur\u2019 yaz\u0131s\u0131 alma \u00fccreti<\/p>\n Part-time d\u00f6nem ba\u015fl\u0131yor<\/strong><\/p>\n Gelirin artmad\u0131\u011f\u0131 noktada gidere odaklan\u0131lmas\u0131n\u0131n normal kar\u015f\u0131lanmas\u0131 gerekti\u011fini belirten Faik A\u00e7\u0131kal\u0131n, \u201cKonjonkt\u00fcr bankalar\u0131 dikkatle olmaya y\u00f6neltti. Yeni d\u00f6nemde bankalar full-time eleman yerine baz\u0131 hizmetler i\u00e7in part-time eleman almay\u0131 tercih edecek. Baz\u0131 i\u015fler sizin ad\u0131n\u0131za outsource edilebilir\u201d dedi.<\/p>\n Rekabet cezas\u0131 beklemiyorum<\/strong><\/p>\n 12 Mart\u2019a kadar a\u00e7\u0131klanmas\u0131 beklenen Rekabet Kurumu\u2019nun soru\u015fturmas\u0131 ile ilgili olarak Faik A\u00e7\u0131kal\u0131n, \u201cBuradan bir ceza \u00e7\u0131kmas\u0131n\u0131 ummuyorum ve beklemiyorum. Al\u0131nacak kararlar sadece hukuka de\u011fil adalet ve vicdana g\u00f6re de de\u011ferlendirilmeli\u201d dedi.<\/p>\n 40-50 yeni \u015fube a\u00e7acak<\/strong><\/p>\n Faik A\u00e7\u0131kal\u0131n, m\u00fc\u015fteri odakl\u0131 ve s\u00fcrd\u00fcr\u00fclebilir karl\u0131l\u0131k hedefi do\u011frultusunda hareket ettiklerini belirterek Yap\u0131 Kredi\u2019nin bu y\u0131l 40-50 \u015fube a\u00e7may\u0131 planlad\u0131\u011f\u0131n\u0131 ve bu \u015fubelerin ihtiyac\u0131na uygun olarak da yeni istihdam yaratacaklar\u0131n\u0131 s\u00f6yledi. Yap\u0131 Kredi\u2019nin kredi kartlar\u0131 ba\u015fta olmak \u00fczere sekt\u00f6rde bir dizi alanda lider oldu\u011funu ve bu liderliklerini korumay\u0131 ama\u00e7lad\u0131klar\u0131n\u0131 vurgulayan A\u00e7\u0131kal\u0131n, s\u00fcrd\u00fcr\u00fclebilir k\u00e2rl\u0131l\u0131\u011f\u0131n kendileri i\u00e7in \u00f6nemli oldu\u011funu belirtti.<\/p>\n","protected":false},"excerpt":{"rendered":" Yap\u0131 Kredi Genel M\u00fcd\u00fcr\u00fc Faik A\u00e7\u0131kal\u0131n, ald\u0131klar\u0131 masraf kalemlerine yenilerinin eklenebilece\u011fi sinyali vererek, \u201cHer hizmetin bedeli var. \u0130leride kendi bankan\u0131z\u0131n ATM\u2019si de \u00fccretli olabilir\u201d dedi. Yap\u0131 Kredi Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Faik A\u00e7\u0131kal\u0131n, bankalar\u0131n \u015feffaf, a\u00e7\u0131k ve makul oldu\u011fu m\u00fcddet\u00e7e maliyetlerini m\u00fc\u015fterilerine yans\u0131tmalar\u0131n\u0131n son derece do\u011fal oldu\u011funu belirtti. Bankalar\u0131n \u015fu an ald\u0131klar\u0131 masraflara yenilerinin de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[5855,5794],"class_list":["post-29510","post","type-post","status-publish","format-standard","hentry","category-ekonomi","tag-atm","tag-banka"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/29510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=29510"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/29510\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}