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{"id":18111,"date":"2022-02-06T19:38:29","date_gmt":"2022-02-06T16:38:29","guid":{"rendered":"https:\/\/bankavitrini.com\/?p=18111"},"modified":"2022-03-01T14:44:36","modified_gmt":"2022-03-01T11:44:36","slug":"qnb-finansbank-usd-bazli-karliligi-dustu-ama-ust-yonetime-karin-5i-verildi","status":"publish","type":"post","link":"https:\/\/bankavitrini.com\/qnb-finansbank-usd-bazli-karliligi-dustu-ama-ust-yonetime-karin-5i-verildi\/","title":{"rendered":"<\/font> QNB Finansbank USD bazl\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 %19 d\u00fc\u015ft\u00fc ama \u00dcst Y\u00f6netime K\u00e2r\u0131n %5\u2019i verildi<\/font>"},"content":{"rendered":"\n

2020 y\u0131l\u0131n\u0131 2 milyar 746 milyar TL Net Karl\u0131l\u0131kla kapatan QNB Finansbank; 2021 y\u0131l\u0131nda Net Karl\u0131l\u0131\u011f\u0131n\u0131 3 milyar 928 milyon TL\u2019ye y\u00fckseltti. Dolar bazl\u0131 bak\u0131ld\u0131\u011f\u0131nda 2020 y\u0131l\u0131nda 373 milyon USD Net Kar yapmas\u0131na ra\u011fmen 2021 y\u0131l\u0131nda %19,1<\/strong> d\u00fc\u015f\u00fc\u015f<\/strong> ile Net Karl\u0131\u011f\u0131n\u0131 302 milyon USD\u2019ye geriledi. Bankan\u0131n dolar bazl\u0131 bilan\u00e7osu ise % 7,6<\/strong> k\u00fc\u00e7\u00fclm\u00fc\u015f durumda. Buna ra\u011fmen banka 2020 y\u0131l\u0131nda \u00dcst Y\u00f6netime 146,7 milyon TL \u00f6derken 2021 y\u0131l\u0131nda %38,6 art\u0131\u015f ile 203,3 milyon TL \u00f6deme yapt\u0131. \u00dcst Y\u00f6netime yap\u0131lan \u00f6deme art\u0131\u015f\u0131 %38,6 artarken ayn\u0131 d\u00f6nemde Personel Genel Gideri ise sadece %15,4 artt\u0131. \u00dcst Y\u00f6netime 2021 y\u0131l\u0131nda yap\u0131lan \u00f6deme elde edilen Net karl\u0131l\u0131\u011f\u0131n %5,1 seviyesinde bulunuyor. QNB Finansbank y\u0131llard\u0131r \u00dcst Y\u00f6netime en y\u00fcksek \u00f6demeyi yaparken BDDK\u2019n\u0131n Karl\u0131l\u0131\u011f\u0131n\u0131 bankada tutma tavsiye karar\u0131na kar\u015f\u0131l\u0131k \u00dcst Y\u00f6netim \u00d6demeleri ile tavsiyenin delindi\u011fi y\u00f6n\u00fcnde de ku\u015fkular olu\u015fmu\u015f durumda.  Banka 2021 y\u0131l\u0131nda 31 \u015fube kapat\u0131p 167 personel azaltt\u0131.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Dolar bazl\u0131 bilan\u00e7o %9,40 k\u00fc\u00e7\u00fcld\u00fc<\/strong><\/p>\n\n\n\n

QNB Finansbank\u2019\u0131n Toplam Varl\u0131klar\u0131 2020 sonunda 227,2 milyar TL d\u00fczeyindeyken % 63,4 b\u00fcy\u00fcyerek 371,4 milyar TL d\u00fczeyine \u00e7\u0131kt\u0131.  Bilan\u00e7o b\u00fcy\u00fcmesinde TL’nin de\u011fer kaybetme etkisi g\u00f6r\u00fcld\u00fc. 2020 sonunda 30,9 milyar USD (*)<\/span><\/strong> Bilan\u00e7o b\u00fcy\u00fckl\u00fc\u011f\u00fcne sahip olan banka Dolar baz\u0131nda b\u00fcy\u00fckl\u00fc\u011f\u00fc 28,5 milyar USD  seviyesine gerileyerek 2,4 milyar USD\u2019lik kay\u0131p ya\u015fad\u0131. Bu Toplam Varl\u0131klar\u0131n USD baz\u0131nda %7,62<\/strong> kayb\u0131 anlam\u0131na geliyor.  USD bazl\u0131 krediler bankalar i\u00e7in sendikasyon kredi taleplerinde \u00f6nemli olurken borsa ve marka de\u011ferlerini de direkt etkiliyor.  Toplam Varl\u0131klar\u0131 i\u00e7in 54,3 milyar TL\u2019lik Finansal Varl\u0131klar ise %136 aratarak 127,9 milyar TL seviyesine y\u00fckseldi.<\/p>\n\n\n\n

Kredilerde b\u00fcy\u00fcme devam etti<\/strong><\/p>\n\n\n\n

2020 sonunu 149,3 milyar TL Toplam Nakdi Kredi  %42,4 artarak 212,7 milyar TL seviyesine y\u00fckselirken; beklenen zarar kar\u015f\u0131l\u0131klar\u0131 da 10,7 milyar TL\u2019den 12,1 milyar TL seviyesine y\u00fckseldi. Bankan\u0131n 103,6 milyar TL olan T\u00fcrk Paras\u0131 Nakdi Kredileri % 25,3 artarak 129,8 milyar TL seviyesine \u00e7\u0131kt\u0131. Bankan\u0131n 33,1 milyar TL olan Gayri Nakdi Kredileri ise %43,3 artarak 47,5 milyar TL hacme ula\u015fm\u0131\u015f durumda. D\u0131\u015f Ticarete a\u011f\u0131rl\u0131k veren banka Akreditif kredilerini de 3,6 milyar TL\u2019den %129 art\u0131rarak 8,3 milyar TL seviyesine \u00e7\u0131kard\u0131.<\/p>\n\n\n\n

Kredileri ilk 200 m\u00fc\u015fteride yo\u011funla\u015fma devam ediyor<\/strong><\/p>\n\n\n\n

Bankac\u0131l\u0131kta tabana yayg\u0131n kredi oran\u0131 \u00f6nemli olurken; QNB Finansbank\u2019\u0131n nakdi kredilerin % 31\u2019i ilk 100 m\u00fc\u015fteride yo\u011funla\u015fm\u0131\u015f durumda. Banka Nakdi kredilerin %36\u2019l\u0131k k\u0131sm\u0131 ise ilk 200 m\u00fc\u015fteride yer al\u0131yor. Bankan\u0131n Gayri Nakdi Kredilerde ise yo\u011funla\u015fma daha fazla. Gayri Nakdi Kredilerin %50\u2019lik k\u0131sm\u0131 ilk 100 m\u00fc\u015fteride yer al\u0131rken; %61\u2019lik k\u0131sm\u0131 ilk 200 m\u00fc\u015fteride bulunuyor.<\/p>\n\n\n\n

Mevduat artt\u0131<\/strong><\/p>\n\n\n\n

2020 sonunu 130,53 milyar TL mevduat seviyesinde kapatan banka 2021 sonunu %73,8 art\u0131\u015f ile 226,9 milyar TL d\u00fczeyinde kapad\u0131. \u00d6zkaynaklar\u0131 ise 19,2 milyar TL\u2019den 22,1 milyar TL\u2019ye y\u00fckselmi\u015f durumda.<\/p>\n\n\n\n

Gelirleri art\u0131\u015f g\u00f6sterdi<\/strong><\/p>\n\n\n\n

2020 y\u0131l\u0131nda 9,8 milyar TL Net Faiz Geliri<\/strong> sa\u011flayan banka 2021 y\u0131l\u0131nda %25,3 art\u0131\u015f ile 12,3 milyar TL Net Faiz Geliri sa\u011flad\u0131. Net \u00dccret ve Komisyon Geliri<\/strong> ise 2,3 milyar TL\u2019den 3,4 milyar TL seviyesine y\u00fckseldi. Banka 2020 y\u0131l\u0131ndaki 2,7 milyar TL\u2019lik Ticari \u0130\u015flemler Zarar\u0131 <\/strong>ise 2021 y\u0131l\u0131nda 3,5 milyar TL zarara y\u00fckseldi. Ticari \u0130\u015flemlerdeki zarar\u0131n 6,6 milyar TL\u2019lik T\u00fcrev \u0130\u015flemlerindeki Zarar\u0131 etkili oldu\u011fu g\u00f6r\u00fcld\u00fc. Banka T\u00fcrev \u0130\u015flemlerden de 6,6 milyar TL zarar ederken; 2,9 milyar TL\u2019lik Kambiyo \u0130\u015flemlerden karl\u0131l\u0131k ile Ticari \u0130\u015flemler Zarar\u0131n kapanmas\u0131na yetmedi.<\/p>\n\n\n\n

Karl\u0131l\u0131k artt\u0131<\/strong><\/p>\n\n\n\n

Banka 2020 y\u0131l\u0131ndaki 9,5 milyar TL\u2019lik br\u00fct karl\u0131l\u0131\u011f\u0131n\u0131 %32,1 art\u0131rarak 12,6 milyar TL\u2019ye y\u00fckseltirken; 2,7 milyar TL\u2019lik Net Karl\u0131l\u0131\u011f\u0131n\u0131 da %43 artarak 3,9 milyar TL seviyesine y\u00fckseltti. Net Karl\u0131l\u0131\u011f\u0131n USD kar\u015f\u0131l\u0131\u011f\u0131 ise bir y\u0131l \u00f6nceye g\u00f6re 373 milyon USD\u2019den %19,1<\/strong> azalarak 302 milyon USD seviyesine y\u00fckseltme d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Bankan\u0131n Sermaye Yeterlilik Oran\u0131 <\/strong>ise %16,44\u2019den %15,91\u2019e gerilemi\u015f durumda. Bankan\u0131n Ortalama Aktif Karl\u0131l\u0131\u011f\u0131 <\/strong>% 1,4; Ortalama \u00d6zkaynak Karl\u0131l\u0131\u011f\u0131<\/strong> ise %19 seviyesinde kald\u0131.<\/p>\n\n\n\n

31 \u015eube 167 personel azald\u0131<\/strong><\/p>\n\n\n\n

2020 sonunu 473 \u015fube ile kapatan banka 2021 y\u0131l\u0131nda 31 \u015fube azalarak \u015fube a\u011f\u0131n\u0131 442 \u015fubeye d\u00fc\u015f\u00fcr\u00fcrken; 11.111 olan personel say\u0131s\u0131n\u0131 da 167 azaltarak 10.944\u2019e d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fc g\u00f6r\u00fcld\u00fc. Banka \u00fcst y\u00f6netime  2020 y\u0131l\u0131nda 146,7 milyon TL \u00f6deme yaparken 2021 y\u0131l\u0131nda %38,6 art\u0131\u015f ile  203,3 milyon TL \u00f6deme yapt\u0131. QNB Finansbank bankalar i\u00e7inde \u00dcst Y\u00f6netime en y\u00fcksek \u00f6deme yapan banka olma \u00f6zelli\u011fini 2021 y\u0131l\u0131nda da korudu. Ayn\u0131 d\u00f6nemde bankan\u0131n Genel Personel Giderleri ise % 15,4 artmas\u0131 dikkat \u00e7ekerek \u201cbanka \u00dcst Y\u00f6netimin kendilerine pozitif ayr\u0131mc\u0131l\u0131k yapm\u0131\u015f\u201d yorumlar\u0131na neden oldu.<\/p>\n\n\n\n

(*)<\/span><\/strong>  TCMB 2020 kapan\u0131\u015f USD kuru : 7.3537 TL ; 2021 y\u0131l\u0131 : 13,009 TL \u00fczerinden <\/span>hesaplama yap\u0131lm\u0131\u015ft\u0131r.<\/span><\/em><\/p>\n\n\n\n

Erol TA\u015eDELEN<\/strong> \u2013 Ekonomist   www.bankavitrini.com<\/p>\n","protected":false},"excerpt":{"rendered":"

2020 y\u0131l\u0131n\u0131 2 milyar 746 milyar TL Net Karl\u0131l\u0131kla kapatan QNB Finansbank; 2021 y\u0131l\u0131nda Net Karl\u0131l\u0131\u011f\u0131n\u0131 3 milyar 928 milyon TL\u2019ye y\u00fckseltti. Dolar bazl\u0131 bak\u0131ld\u0131\u011f\u0131nda 2020 y\u0131l\u0131nda 373 milyon USD Net Kar yapmas\u0131na ra\u011fmen 2021 y\u0131l\u0131nda %19,1 d\u00fc\u015f\u00fc\u015f ile Net Karl\u0131\u011f\u0131n\u0131 302 milyon USD\u2019ye geriledi. Bankan\u0131n dolar bazl\u0131 bilan\u00e7osu ise % 7,6 k\u00fc\u00e7\u00fclm\u00fc\u015f durumda. Buna […]<\/p>\n","protected":false},"author":3,"featured_media":2322,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false},"categories":[5,190,16],"tags":[2169,2170,1312,968],"yoast_head":"\nQNB Finansbank USD bazl\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 %19 d\u00fc\u015ft\u00fc ama \u00dcst Y\u00f6netime K\u00e2r\u0131n %5\u2019i verildi - BankaVitrini<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bankavitrini.com\/qnb-finansbank-usd-bazli-karliligi-dustu-ama-ust-yonetime-karin-5i-verildi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"QNB Finansbank USD bazl\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 %19 d\u00fc\u015ft\u00fc ama \u00dcst Y\u00f6netime K\u00e2r\u0131n %5\u2019i verildi - BankaVitrini\" \/>\n<meta property=\"og:description\" content=\"2020 y\u0131l\u0131n\u0131 2 milyar 746 milyar TL Net Karl\u0131l\u0131kla kapatan QNB Finansbank; 2021 y\u0131l\u0131nda Net Karl\u0131l\u0131\u011f\u0131n\u0131 3 milyar 928 milyon TL\u2019ye y\u00fckseltti. Dolar bazl\u0131 bak\u0131ld\u0131\u011f\u0131nda 2020 y\u0131l\u0131nda 373 milyon USD Net Kar yapmas\u0131na ra\u011fmen 2021 y\u0131l\u0131nda %19,1 d\u00fc\u015f\u00fc\u015f ile Net Karl\u0131\u011f\u0131n\u0131 302 milyon USD\u2019ye geriledi. Bankan\u0131n dolar bazl\u0131 bilan\u00e7osu ise % 7,6 k\u00fc\u00e7\u00fclm\u00fc\u015f durumda. 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Siyaset Bilimci, Ekonomist, ara\u015ft\u0131rmac\u0131. \u0130.\u00dc. Siyasal Bilgiler Fak\u00fcltesi \u2013 Kamu Y\u00f6netimi Lisans ( 1990 ), \u0130.\u00dc. \u0130ktisat Fak\u00fcltesi \u2013 Maliye B\u00f6l\u00fcm\u00fc\u2019nden \u201cB\u00f6lgeler aras\u0131 dengesizlik ve T\u00fcrkiye\u201d tezi ile Y. Lisans\u0131n\u0131 ( 1993 ) tamamlad\u0131 . Ayr\u0131ca Anadolu \u00dcniversitesi \u2013 \u201cSa\u011fl\u0131k Kurumlar\u0131 \u0130\u015fletmecili\u011fi\u201d \u2013 \u201cTar\u0131m\u201d \u2013 \u201cTurizm ve Otel \u0130\u015fletmecili\u011fi\u201d \u2013 \u201cYerel Y\u00f6netimler\u201d b\u00f6l\u00fcmleri mezunu. 1991 y\u0131l\u0131nda ba\u015flad\u0131\u011f\u0131 i\u015f hayat\u0131nda Yap\u0131 Kredi Bankas\u0131, Toprakbank, Kentbank, Finansbank ve Akbank\u2019ta \u00e7al\u0131\u015ft\u0131. 25 y\u0131ll\u0131k Bankac\u0131l\u0131k deneyimine sahip. \u0130stanbul, Tekirda\u011f\/\u00c7erkezk\u00f6y, U\u015fak'ta \u00e7al\u0131\u015ft\u0131. Tekirda\u011f, Nam\u0131k Kemal \u00dcniversitesi\u2019nde Konuk \u00d6\u011fretim G\u00f6revlisi olarak y\u0131llarca, \u201cFinans, Finansal Yat\u0131r\u0131m Ara\u00e7lar\u0131, Kamu \u2013 \u00d6zel Sekt\u00f6r \u0130li\u015fkileri, CRM, Makro Ekonomi\u201d dersleri verdi. \u00dcniversite ile ortak konferanslar d\u00fczenledi, \u00dcniversitenin kitap yay\u0131nlar\u0131nda makaleleri ile katk\u0131da bulundu. Piyasalar, Makro Ekonomi, Banka ve Finansal Krizler \u00fczerine a\u011f\u0131rl\u0131kl\u0131 sanayici i\u015f adamlar\u0131na bilgilendirici Konferanslar verdi. SPK \u0130leri D\u00fczey Lisans; SEGEM - BES - Banka Bilirki\u015fi - Konkordato Komiserli\u011fi Sertifika sahibi. AFAD g\u00f6n\u00fcll\u00fcs\u00fc. Tekirda\u011f \/ \u00c7erkezk\u00f6y Kent Konseyi Proje Grup Ba\u015fkanl\u0131\u011f\u0131 yapt\u0131, ortak kitap yay\u0131nlar\u0131nda bulundu. OSB y\u00f6netimlerine, FORTUNE 500 ve ISO 500 Sanayi Firmas\u0131na Banka \/ Finans Dan\u0131\u015fmanl\u0131\u011f\u0131 yap\u0131yor. Adalet Bakanl\u0131\u011f\u0131, \u0130zmir B\u00f6lge Bankac\u0131 Bilirki\u015fisi. Bankac\u0131l\u0131k \u00fczerine sekt\u00f6rel yay\u0131n yapan \\\"www.bankavitrini.com\\\" sitesinin kurucusu, edit\u00f6r\u00fc ve yazar\u0131; www.paraanaliz.com yazar\u0131. \\\"1. D\u00fcnya Ekonomik Bunal\u0131m\u0131 Nas\u0131l A\u015f\u0131ld\u0131?\\\" kitab\u0131 bulunuyor. Amat\u00f6r olarak ilgilendi\u011fi \u00c7ini sanat eserleri ile karma sergiler a\u00e7t\u0131. Evli, ikiz \u00e7ocuk babas\u0131.\",\"sameAs\":[\"http:\/\/bankavitrini.com\"],\"url\":\"https:\/\/bankavitrini.com\/author\/bytasdelen\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"QNB Finansbank USD bazl\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 %19 d\u00fc\u015ft\u00fc ama \u00dcst Y\u00f6netime K\u00e2r\u0131n %5\u2019i verildi - BankaVitrini","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bankavitrini.com\/qnb-finansbank-usd-bazli-karliligi-dustu-ama-ust-yonetime-karin-5i-verildi\/","og_locale":"tr_TR","og_type":"article","og_title":"QNB Finansbank USD bazl\u0131 k\u00e2rl\u0131l\u0131\u011f\u0131 %19 d\u00fc\u015ft\u00fc ama \u00dcst Y\u00f6netime K\u00e2r\u0131n %5\u2019i verildi - BankaVitrini","og_description":"2020 y\u0131l\u0131n\u0131 2 milyar 746 milyar TL Net Karl\u0131l\u0131kla kapatan QNB Finansbank; 2021 y\u0131l\u0131nda Net Karl\u0131l\u0131\u011f\u0131n\u0131 3 milyar 928 milyon TL\u2019ye y\u00fckseltti. Dolar bazl\u0131 bak\u0131ld\u0131\u011f\u0131nda 2020 y\u0131l\u0131nda 373 milyon USD Net Kar yapmas\u0131na ra\u011fmen 2021 y\u0131l\u0131nda %19,1 d\u00fc\u015f\u00fc\u015f ile Net Karl\u0131\u011f\u0131n\u0131 302 milyon USD\u2019ye geriledi. Bankan\u0131n dolar bazl\u0131 bilan\u00e7osu ise % 7,6 k\u00fc\u00e7\u00fclm\u00fc\u015f durumda. 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Siyaset Bilimci, Ekonomist, ara\u015ft\u0131rmac\u0131. \u0130.\u00dc. Siyasal Bilgiler Fak\u00fcltesi \u2013 Kamu Y\u00f6netimi Lisans ( 1990 ), \u0130.\u00dc. \u0130ktisat Fak\u00fcltesi \u2013 Maliye B\u00f6l\u00fcm\u00fc\u2019nden \u201cB\u00f6lgeler aras\u0131 dengesizlik ve T\u00fcrkiye\u201d tezi ile Y. Lisans\u0131n\u0131 ( 1993 ) tamamlad\u0131 . Ayr\u0131ca Anadolu \u00dcniversitesi \u2013 \u201cSa\u011fl\u0131k Kurumlar\u0131 \u0130\u015fletmecili\u011fi\u201d \u2013 \u201cTar\u0131m\u201d \u2013 \u201cTurizm ve Otel \u0130\u015fletmecili\u011fi\u201d \u2013 \u201cYerel Y\u00f6netimler\u201d b\u00f6l\u00fcmleri mezunu. 1991 y\u0131l\u0131nda ba\u015flad\u0131\u011f\u0131 i\u015f hayat\u0131nda Yap\u0131 Kredi Bankas\u0131, Toprakbank, Kentbank, Finansbank ve Akbank\u2019ta \u00e7al\u0131\u015ft\u0131. 25 y\u0131ll\u0131k Bankac\u0131l\u0131k deneyimine sahip. \u0130stanbul, Tekirda\u011f\/\u00c7erkezk\u00f6y, U\u015fak'ta \u00e7al\u0131\u015ft\u0131. Tekirda\u011f, Nam\u0131k Kemal \u00dcniversitesi\u2019nde Konuk \u00d6\u011fretim G\u00f6revlisi olarak y\u0131llarca, \u201cFinans, Finansal Yat\u0131r\u0131m Ara\u00e7lar\u0131, Kamu \u2013 \u00d6zel Sekt\u00f6r \u0130li\u015fkileri, CRM, Makro Ekonomi\u201d dersleri verdi. \u00dcniversite ile ortak konferanslar d\u00fczenledi, \u00dcniversitenin kitap yay\u0131nlar\u0131nda makaleleri ile katk\u0131da bulundu. Piyasalar, Makro Ekonomi, Banka ve Finansal Krizler \u00fczerine a\u011f\u0131rl\u0131kl\u0131 sanayici i\u015f adamlar\u0131na bilgilendirici Konferanslar verdi. SPK \u0130leri D\u00fczey Lisans; SEGEM - BES - Banka Bilirki\u015fi - Konkordato Komiserli\u011fi Sertifika sahibi. AFAD g\u00f6n\u00fcll\u00fcs\u00fc. Tekirda\u011f \/ \u00c7erkezk\u00f6y Kent Konseyi Proje Grup Ba\u015fkanl\u0131\u011f\u0131 yapt\u0131, ortak kitap yay\u0131nlar\u0131nda bulundu. OSB y\u00f6netimlerine, FORTUNE 500 ve ISO 500 Sanayi Firmas\u0131na Banka \/ Finans Dan\u0131\u015fmanl\u0131\u011f\u0131 yap\u0131yor. Adalet Bakanl\u0131\u011f\u0131, \u0130zmir B\u00f6lge Bankac\u0131 Bilirki\u015fisi. Bankac\u0131l\u0131k \u00fczerine sekt\u00f6rel yay\u0131n yapan \"www.bankavitrini.com\" sitesinin kurucusu, edit\u00f6r\u00fc ve yazar\u0131; www.paraanaliz.com yazar\u0131. \"1. D\u00fcnya Ekonomik Bunal\u0131m\u0131 Nas\u0131l A\u015f\u0131ld\u0131?\" kitab\u0131 bulunuyor. Amat\u00f6r olarak ilgilendi\u011fi \u00c7ini sanat eserleri ile karma sergiler a\u00e7t\u0131. Evli, ikiz \u00e7ocuk babas\u0131.","sameAs":["http:\/\/bankavitrini.com"],"url":"https:\/\/bankavitrini.com\/author\/bytasdelen\/"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/bankavitrini.com\/wp-content\/uploads\/2020\/12\/erol20.jpg","jetpack_shortlink":"https:\/\/wp.me\/pcvl1t-4I7","_links":{"self":[{"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/posts\/18111"}],"collection":[{"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/comments?post=18111"}],"version-history":[{"count":9,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/posts\/18111\/revisions"}],"predecessor-version":[{"id":18126,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/posts\/18111\/revisions\/18126"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/media\/2322"}],"wp:attachment":[{"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/media?parent=18111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/categories?post=18111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankavitrini.com\/wp-json\/wp\/v2\/tags?post=18111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}