{"id":46532,"date":"2026-08-27T15:13:06","date_gmt":"2026-08-27T12:13:06","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=46532"},"modified":"2026-08-27T15:13:19","modified_gmt":"2026-08-27T12:13:19","slug":"kur-korumali-mevduatta-donem-kapandi-kkm-bakiyesi-sifirland","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/08\/27\/kur-korumali-mevduatta-donem-kapandi-kkm-bakiyesi-sifirland\/","title":{"rendered":"Kur Korumal\u0131 Mevduat\u2019ta d\u00f6nem kapand\u0131: KKM bakiyesi s\u0131f\u0131rland"},"content":{"rendered":"<p data-start=\"643\" data-end=\"809\">T\u00fcrkiye\u2019de 2021 y\u0131l\u0131n\u0131n son g\u00fcnlerinde d\u00f6viz kurlar\u0131nda ya\u015fanan sert hareketlerin ard\u0131ndan devreye al\u0131nan Kur Korumal\u0131 Mevduat\u2019ta son hesaplar\u0131n da vadesi tamamland\u0131.<\/p>\n<p data-start=\"811\" data-end=\"1098\">BDDK\u2019n\u0131n 27 A\u011fustos\u2019ta yay\u0131mlad\u0131\u011f\u0131 haftal\u0131k bankac\u0131l\u0131k sekt\u00f6r\u00fc verilerinde <strong data-start=\"886\" data-end=\"935\">KKM bakiyesi ilk kez s\u0131f\u0131r olarak kaydedildi.<\/strong> 14 A\u011fustos haftas\u0131nda hesaplarda yaln\u0131zca 4 milyon lira kalm\u0131\u015ft\u0131. 21 A\u011fustos haftas\u0131 itibar\u0131yla bu tutar da sistemden \u00e7\u0131kt\u0131.<\/p>\n<h2 data-section-id=\"dwgycu\" data-start=\"1100\" data-end=\"1129\">3,4 trilyon liradan s\u0131f\u0131ra<\/h2>\n<p data-start=\"1131\" data-end=\"1252\">KKM, uygulaman\u0131n zirve d\u00f6neminde T\u00fcrkiye\u2019nin bankac\u0131l\u0131k sistemindeki en b\u00fcy\u00fck mevduat kalemlerinden biri haline gelmi\u015fti.<\/p>\n<p data-start=\"1254\" data-end=\"1577\">Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek\u2019in daha \u00f6nce a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re KKM bakiyesi zirvede <strong data-start=\"1351\" data-end=\"1373\">3,4 trilyon liraya<\/strong>, d\u00f6nemin kuru \u00fczerinden yakla\u015f\u0131k <strong data-start=\"1407\" data-end=\"1428\">143 milyar dolara<\/strong> ula\u015ft\u0131. TCMB de KKM\u2019nin 2023 A\u011fustos d\u00f6neminde yakla\u015f\u0131k 143 milyar dolarla tepe seviyesini g\u00f6rd\u00fc\u011f\u00fcn\u00fc kaydetti.<\/p>\n<p data-start=\"1579\" data-end=\"1621\">Gelinen noktada ise tablo tamamen de\u011fi\u015fti:<\/p>\n<div class=\"group TyagGW_tableContainer\">\n<div class=\"TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"1623\" data-end=\"2265\">\n<thead data-start=\"1623\" data-end=\"1649\">\n<tr data-start=\"1623\" data-end=\"1649\">\n<th class=\"last:pe-10\" data-start=\"1623\" data-end=\"1631\" data-col-size=\"sm\">D\u00f6nem<\/th>\n<th class=\"last:pe-10\" data-start=\"1631\" data-end=\"1649\" data-col-size=\"md\">KKM\u2019de geli\u015fme<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1660\" data-end=\"2265\">\n<tr data-start=\"1660\" data-end=\"1730\">\n<td data-start=\"1660\" data-end=\"1681\" data-col-size=\"sm\"><strong data-start=\"1662\" data-end=\"1680\">21 Aral\u0131k 2021<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"1681\" data-end=\"1730\">Kur Korumal\u0131 TL Vadeli Mevduat devreye al\u0131nd\u0131<\/td>\n<\/tr>\n<tr data-start=\"1731\" data-end=\"1826\">\n<td data-start=\"1731\" data-end=\"1750\" data-col-size=\"sm\"><strong data-start=\"1733\" data-end=\"1749\">A\u011fustos 2023<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"1750\" data-end=\"1826\">Bakiye yakla\u015f\u0131k <strong data-start=\"1768\" data-end=\"1805\">3,4 trilyon TL \/ 143 milyar dolar<\/strong> ile zirveye ula\u015ft\u0131<\/td>\n<\/tr>\n<tr data-start=\"1827\" data-end=\"1886\">\n<td data-start=\"1827\" data-end=\"1846\" data-col-size=\"sm\"><strong data-start=\"1829\" data-end=\"1845\">A\u011fustos 2023<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"1846\" data-end=\"1886\">Kademeli \u00e7\u0131k\u0131\u015f politikas\u0131 ba\u015flat\u0131ld\u0131<\/td>\n<\/tr>\n<tr data-start=\"1887\" data-end=\"1967\">\n<td data-start=\"1887\" data-end=\"1906\" data-col-size=\"sm\"><strong data-start=\"1889\" data-end=\"1905\">20 Ocak 2025<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"1906\" data-end=\"1967\">6 ve 12 ay vadeli yeni hesap ve yenilemeler sonland\u0131r\u0131ld\u0131<\/td>\n<\/tr>\n<tr data-start=\"1968\" data-end=\"2040\">\n<td data-start=\"1968\" data-end=\"1988\" data-col-size=\"sm\"><strong data-start=\"1970\" data-end=\"1987\">15 \u015eubat 2025<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"1988\" data-end=\"2040\">T\u00fczel ki\u015filerin KKM a\u00e7ma ve yenilemesi sona erdi<\/td>\n<\/tr>\n<tr data-start=\"2041\" data-end=\"2138\">\n<td data-start=\"2041\" data-end=\"2063\" data-col-size=\"sm\"><strong data-start=\"2043\" data-end=\"2062\">23 A\u011fustos 2025<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"2063\" data-end=\"2138\">Yeni KKM hesab\u0131 a\u00e7\u0131lmas\u0131 ve mevcut hesaplar\u0131n yenilenmesi sonland\u0131r\u0131ld\u0131<\/td>\n<\/tr>\n<tr data-start=\"2139\" data-end=\"2211\">\n<td data-start=\"2139\" data-end=\"2161\" data-col-size=\"sm\"><strong data-start=\"2141\" data-end=\"2160\">14 A\u011fustos 2026<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"2161\" data-end=\"2211\">KKM bakiyesi <strong data-start=\"2176\" data-end=\"2194\">4 milyon TL\u2019ye<\/strong> kadar geriledi<\/td>\n<\/tr>\n<tr data-start=\"2212\" data-end=\"2265\">\n<td data-start=\"2212\" data-end=\"2234\" data-col-size=\"sm\"><strong data-start=\"2214\" data-end=\"2233\">21 A\u011fustos 2026<\/strong><\/td>\n<td data-col-size=\"md\" data-start=\"2234\" data-end=\"2265\"><strong data-start=\"2236\" data-end=\"2263\">KKM bakiyesi s\u0131f\u0131rland\u0131<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 data-section-id=\"12r005m\" data-start=\"2306\" data-end=\"2339\">KKM neden hayata ge\u00e7irilmi\u015fti?<\/h2>\n<p data-start=\"2341\" data-end=\"2505\">Kur Korumal\u0131 Mevduat sistemi, <strong data-start=\"2371\" data-end=\"2392\">21 Aral\u0131k 2021\u2019de<\/strong> d\u00f6viz kurlar\u0131ndaki y\u00fcksek oynakl\u0131\u011f\u0131n TL tasarruf sahipleri \u00fczerindeki etkisini azaltmak amac\u0131yla devreye al\u0131nd\u0131.<\/p>\n<p data-start=\"2507\" data-end=\"2816\">Hazine ve Maliye Bakanl\u0131\u011f\u0131n\u0131n o tarihte a\u00e7\u0131klad\u0131\u011f\u0131 sisteme g\u00f6re, TL vadeli mevduat hesab\u0131ndan elde edilen faiz getirisi ile hesab\u0131n a\u00e7\u0131ld\u0131\u011f\u0131 ve vadesinin doldu\u011fu tarihler aras\u0131ndaki d\u00f6viz kuru de\u011fi\u015fimi kar\u015f\u0131la\u015ft\u0131r\u0131l\u0131yor, tasarruf sahibine y\u00fcksek olan getiri sa\u011flan\u0131yordu.<\/p>\n<p data-start=\"2818\" data-end=\"2949\">Daha sonraki d\u00f6nemde d\u00f6viz ve alt\u0131n hesaplar\u0131n\u0131n T\u00fcrk liras\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesine y\u00f6nelik farkl\u0131 KKM t\u00fcrleri de sisteme dahil edildi.<\/p>\n<p data-start=\"2951\" data-end=\"3141\">Bu yap\u0131yla tasarruf sahibinin kur art\u0131\u015f\u0131 kar\u015f\u0131s\u0131nda korunmas\u0131 hedeflenirken, kur fark\u0131ndan kaynaklanan y\u00fck\u00fcml\u00fcl\u00fck Hazine veya TCMB taraf\u0131ndan ilgili d\u00fczenlemeler \u00e7er\u00e7evesinde kar\u015f\u0131lan\u0131yordu.<\/p>\n<h2 data-section-id=\"1du0zhi\" data-start=\"3143\" data-end=\"3177\">\u00c7\u0131k\u0131\u015f 2023 A\u011fustos\u2019unda ba\u015flad\u0131<\/h2>\n<p data-start=\"3179\" data-end=\"3221\">KKM\u2019den \u00e7\u0131k\u0131\u015f bir anda ger\u00e7ekle\u015ftirilmedi.<\/p>\n<p data-start=\"3223\" data-end=\"3514\">TCMB, <strong data-start=\"3229\" data-end=\"3316\">A\u011fustos 2023\u2019ten itibaren sistemi kademeli ve kontroll\u00fc bi\u00e7imde k\u00fc\u00e7\u00fcltmeye ba\u015flad\u0131.<\/strong> Bankalara TL mevduat\u0131 art\u0131rmaya y\u00f6nelik hedefler getirilirken, KKM hesaplar\u0131n\u0131n yenilenmesini azaltacak zorunlu kar\u015f\u0131l\u0131k ve faiz d\u00fczenlemeleri devreye sokuldu.<\/p>\n<p data-start=\"3516\" data-end=\"3664\">Ama\u00e7, y\u00fcksek b\u00fcy\u00fckl\u00fc\u011fe ula\u015fan KKM\u2019den \u00e7\u0131k\u0131l\u0131rken mevduat sahiplerinin do\u011frudan d\u00f6vize y\u00f6nelmesini engellemek ve T\u00fcrk liras\u0131 mevduat\u0131 g\u00fc\u00e7lendirmekti.<\/p>\n<h2 data-section-id=\"m63w9a\" data-start=\"3666\" data-end=\"3706\">2025\u2019te yeni hesaplara kap\u0131 kapat\u0131ld\u0131<\/h2>\n<p data-start=\"3708\" data-end=\"3758\">KKM\u2019nin tasfiye s\u00fcrecinde en kritik y\u0131l 2025 oldu.<\/p>\n<p data-start=\"3760\" data-end=\"3939\">TCMB \u00f6nce <strong data-start=\"3770\" data-end=\"3901\">20 Ocak 2025\u2019te d\u00f6viz ve alt\u0131n d\u00f6n\u00fc\u015f\u00fcml\u00fc KKM hesaplar\u0131nda 6 ve 12 ayl\u0131k vadelerde yeni hesap a\u00e7\u0131lmas\u0131n\u0131 ve yenilemeyi durdurdu.<\/strong><\/p>\n<p data-start=\"3941\" data-end=\"4076\">Ard\u0131ndan <strong data-start=\"3950\" data-end=\"4038\">15 \u015eubat 2025\u2019te t\u00fczel ki\u015filerin KKM hesap a\u00e7ma ve yenileme i\u015flemlerine son verildi.<\/strong><\/p>\n<p data-start=\"4078\" data-end=\"4248\">21 Haziran\u2019da KKM\u2019ye uygulanan zorunlu kar\u015f\u0131l\u0131k oran\u0131 y\u00fczde 33\u2019ten y\u00fczde 40\u2019a y\u00fckseltilirken, KKM\u2019den TL\u2019ye ge\u00e7i\u015f hedefi kald\u0131r\u0131ld\u0131.<\/p>\n<p data-start=\"4250\" data-end=\"4298\">Son b\u00fcy\u00fck ad\u0131m ise <strong data-start=\"4269\" data-end=\"4291\">23 A\u011fustos 2025\u2019te<\/strong> geldi.<\/p>\n<p data-start=\"4300\" data-end=\"4572\">TCMB, YUVAM hesaplar\u0131 hari\u00e7 olmak \u00fczere KKM\u2019de <strong data-start=\"4347\" data-end=\"4434\">yeni hesap a\u00e7ma ve mevcut hesaplar\u0131 yenileme i\u015flemlerinin tamamen sonland\u0131r\u0131ld\u0131\u011f\u0131n\u0131<\/strong> duyurdu. O tarihten \u00f6nce a\u00e7\u0131lm\u0131\u015f hesaplar\u0131n ise vadesi doluncaya kadar devam etmesine izin verildi.<\/p>\n<h2 data-section-id=\"1aou17p\" data-start=\"4574\" data-end=\"4636\">2025\u2019te sistem sona erdi, 2026\u2019da bakiye tamamen temizlendi<\/h2>\n<p data-start=\"4638\" data-end=\"4677\">Burada iki farkl\u0131 tarih dikkat \u00e7ekiyor.<\/p>\n<p data-start=\"4679\" data-end=\"4795\"><strong data-start=\"4679\" data-end=\"4698\">23 A\u011fustos 2025<\/strong>, standart KKM a\u00e7\u0131s\u0131ndan yeni hesap a\u00e7\u0131lmas\u0131 ve hesaplar\u0131n yenilenmesinin sona erdi\u011fi tarih oldu.<\/p>\n<p data-start=\"4797\" data-end=\"4902\">Ancak o tarihten \u00f6nce a\u00e7\u0131lm\u0131\u015f ve hen\u00fcz vadesi dolmam\u0131\u015f hesaplar bankac\u0131l\u0131k sisteminde kalmaya devam etti.<\/p>\n<p data-start=\"4904\" data-end=\"5061\">Bu nedenle KKM\u2019nin yeni hesap kabul eden bir \u00fcr\u00fcn olarak sona ermesiyle, bankac\u0131l\u0131k sistemindeki bakiyesinin tamamen s\u0131f\u0131rlanmas\u0131 ayn\u0131 tarihte ger\u00e7ekle\u015fmedi.<\/p>\n<p data-start=\"5063\" data-end=\"5212\"><strong data-start=\"5063\" data-end=\"5172\">21 A\u011fustos 2026 haftas\u0131nda bakiye s\u0131f\u0131ra inerek tasfiye s\u00fcrecinin finansal a\u00e7\u0131dan da son noktas\u0131 konuldu.<\/strong><\/p>\n<h2 data-section-id=\"m0k2ll\" data-start=\"5214\" data-end=\"5267\">Son bir haftada 4 milyon liral\u0131k bakiye de kapand\u0131<\/h2>\n<p data-start=\"5269\" data-end=\"5348\">KKM\u2019nin k\u00fc\u00e7\u00fclmesi son aylarda kuru\u015f say\u0131labilecek seviyelere kadar ilerlemi\u015fti.<\/p>\n<p data-start=\"5350\" data-end=\"5514\">BDDK verilerine g\u00f6re 14 A\u011fustos haftas\u0131nda KKM bakiyesi bir \u00f6nceki haftadaki <strong data-start=\"5427\" data-end=\"5464\">51 milyon liradan 4 milyon liraya<\/strong> d\u00fc\u015fm\u00fc\u015ft\u00fc.<\/p>\n<p data-start=\"5516\" data-end=\"5702\">21 A\u011fustos haftas\u0131nda kalan 4 milyon liran\u0131n da sistemden \u00e7\u0131kmas\u0131yla Kur Korumal\u0131 TL Mevduat ve Kat\u0131lma Hesaplar\u0131 kaleminde <strong data-start=\"5640\" data-end=\"5662\">bakiye s\u0131f\u0131rland\u0131.<\/strong><\/p>\n<h2 data-section-id=\"o8n5b0\" data-start=\"5704\" data-end=\"5743\">KKM\u2019nin maliyeti y\u0131llarca tart\u0131\u015f\u0131ld\u0131<\/h2>\n<p data-start=\"5745\" data-end=\"5909\">KKM yaln\u0131zca b\u00fcy\u00fckl\u00fc\u011f\u00fcyle de\u011fil, kamu maliyesi ve TCMB bilan\u00e7osu \u00fczerindeki etkileri nedeniyle de T\u00fcrkiye ekonomi g\u00fcndeminin en tart\u0131\u015fmal\u0131 ba\u015fl\u0131klar\u0131ndan biri oldu.<\/p>\n<p data-start=\"5911\" data-end=\"6245\">TCMB, 2023 y\u0131l\u0131nda <strong data-start=\"5930\" data-end=\"5957\">818,2 milyar lira zarar<\/strong> a\u00e7\u0131klad\u0131. Merkez Bankas\u0131n\u0131n kendi de\u011ferlendirmesinde bu zarar\u0131n esas olarak KKM hesaplar\u0131na yap\u0131lan kur fark\u0131 \u00f6demelerinden kaynakland\u0131\u011f\u0131, ancak artan faiz giderleri ve menkul k\u0131ymet de\u011fer kay\u0131plar\u0131n\u0131n da bilan\u00e7o \u00fczerinde etkili oldu\u011fu belirtildi.<\/p>\n<p data-start=\"6247\" data-end=\"6505\">Bu nedenle <strong data-start=\"6258\" data-end=\"6363\">818,2 milyar liral\u0131k rakam\u0131n do\u011frudan \u201cKKM\u2019nin toplam maliyeti\u201d olarak de\u011ferlendirilmesi do\u011fru de\u011fil.<\/strong> Rakam TCMB\u2019nin 2023 y\u0131l\u0131 toplam zarar\u0131n\u0131 ifade ediyor; Merkez Bankas\u0131 yaln\u0131zca bu zarar\u0131n ana nedeninin KKM kur farklar\u0131 oldu\u011funu bildiriyor.<\/p>\n<p data-start=\"6507\" data-end=\"6693\">KKM\u2019nin Hazine, Merkez Bankas\u0131 ve sa\u011flanan vergi avantajlar\u0131 dahil b\u00fct\u00fcn d\u00f6nem i\u00e7in tek bir nihai maliyet rakam\u0131 ise ayn\u0131 kapsam ve y\u00f6ntemle yay\u0131mlanm\u0131\u015f tek bir resmi tabloda bulunmuyor.<\/p>\n<h2 data-section-id=\"1x69ble\" data-start=\"6695\" data-end=\"6752\">\u015eim\u015fek KKM\u2019yi \u201cko\u015fullu y\u00fck\u00fcml\u00fcl\u00fck\u201d olarak tan\u0131mlam\u0131\u015ft\u0131<\/h2>\n<p data-start=\"6754\" data-end=\"6954\">Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek, A\u011fustos 2025\u2019te yeni hesap a\u00e7\u0131lmas\u0131 ve yenilemenin durdurulmas\u0131n\u0131n ard\u0131ndan KKM\u2019nin sona ermesini ekonomi program\u0131n\u0131n hedeflerinden biri olarak de\u011ferlendirmi\u015fti.<\/p>\n<p data-start=\"6956\" data-end=\"7233\">\u015eim\u015fek, KKM\u2019nin zirvedeki 3,4 trilyon liral\u0131k seviyesinden iki y\u0131l boyunca kesintisiz azalt\u0131ld\u0131\u011f\u0131n\u0131 belirterek sistemin <strong data-start=\"7076\" data-end=\"7111\">\u201c\u00f6nemli bir ko\u015fullu y\u00fck\u00fcml\u00fcl\u00fck\u201d<\/strong> oldu\u011funu ve sonland\u0131r\u0131lmas\u0131n\u0131n finansal istikrar\u0131 g\u00fc\u00e7lendirece\u011fini ifade etmi\u015fti.<\/p>\n<h2 data-section-id=\"z4lskw\" data-start=\"7235\" data-end=\"7290\">BDDK\u2019n\u0131n son haftal\u0131k verilerinde bankac\u0131l\u0131k sistemi<\/h2>\n<p data-start=\"7292\" data-end=\"7403\">KKM\u2019nin s\u0131f\u0131rland\u0131\u011f\u0131 21 A\u011fustos haftas\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn di\u011fer temel g\u00f6stergeleri de \u015f\u00f6yle ger\u00e7ekle\u015fti:<\/p>\n<div class=\"group TyagGW_tableContainer\">\n<div class=\"TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"7405\" data-end=\"7906\">\n<thead data-start=\"7405\" data-end=\"7435\">\n<tr data-start=\"7405\" data-end=\"7435\">\n<th class=\"last:pe-10\" data-start=\"7405\" data-end=\"7416\" data-col-size=\"sm\">G\u00f6sterge<\/th>\n<th class=\"last:pe-10\" data-start=\"7416\" data-end=\"7435\" data-col-size=\"sm\">21 A\u011fustos 2026<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"7447\" data-end=\"7906\">\n<tr data-start=\"7447\" data-end=\"7499\">\n<td data-start=\"7447\" data-end=\"7465\" data-col-size=\"sm\">Toplam krediler<\/td>\n<td data-start=\"7465\" data-end=\"7499\" data-col-size=\"sm\"><strong data-start=\"7467\" data-end=\"7497\">27 trilyon 734,3 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7500\" data-end=\"7551\">\n<td data-start=\"7500\" data-end=\"7517\" data-col-size=\"sm\">Toplam mevduat<\/td>\n<td data-col-size=\"sm\" data-start=\"7517\" data-end=\"7551\"><strong data-start=\"7519\" data-end=\"7549\">32 trilyon 316,5 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7552\" data-end=\"7606\">\n<td data-start=\"7552\" data-end=\"7573\" data-col-size=\"sm\">T\u00fcketici kredileri<\/td>\n<td data-col-size=\"sm\" data-start=\"7573\" data-end=\"7606\"><strong data-start=\"7575\" data-end=\"7604\">3 trilyon 423,5 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7607\" data-end=\"7666\">\n<td data-start=\"7607\" data-end=\"7633\" data-col-size=\"sm\">Bireysel kredi kartlar\u0131<\/td>\n<td data-col-size=\"sm\" data-start=\"7633\" data-end=\"7666\"><strong data-start=\"7635\" data-end=\"7664\">3 trilyon 353,3 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7667\" data-end=\"7728\">\n<td data-start=\"7667\" data-end=\"7694\" data-col-size=\"sm\">Ticari ve di\u011fer krediler<\/td>\n<td data-col-size=\"sm\" data-start=\"7694\" data-end=\"7728\"><strong data-start=\"7696\" data-end=\"7726\">20 trilyon 957,5 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7729\" data-end=\"7789\">\n<td data-start=\"7729\" data-end=\"7756\" data-col-size=\"sm\">Taksitli ticari krediler<\/td>\n<td data-col-size=\"sm\" data-start=\"7756\" data-end=\"7789\"><strong data-start=\"7758\" data-end=\"7787\">4 trilyon 230,3 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7790\" data-end=\"7836\">\n<td data-start=\"7790\" data-end=\"7812\" data-col-size=\"sm\">Takipteki alacaklar<\/td>\n<td data-start=\"7812\" data-end=\"7836\" data-col-size=\"sm\"><strong data-start=\"7814\" data-end=\"7834\">838,97 milyar TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7837\" data-end=\"7855\">\n<td data-start=\"7837\" data-end=\"7843\" data-col-size=\"sm\">KKM<\/td>\n<td data-col-size=\"sm\" data-start=\"7843\" data-end=\"7855\"><strong data-start=\"7845\" data-end=\"7853\">0 TL<\/strong><\/td>\n<\/tr>\n<tr data-start=\"7856\" data-end=\"7906\">\n<td data-start=\"7856\" data-end=\"7873\" data-col-size=\"sm\">Yasal \u00f6zkaynak<\/td>\n<td data-col-size=\"sm\" data-start=\"7873\" data-end=\"7906\"><strong data-start=\"7875\" data-end=\"7904\">5 trilyon 983,4 milyar TL<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 data-section-id=\"191etor\" data-start=\"7949\" data-end=\"7991\">KKM\u2019nin s\u0131f\u0131rlanmas\u0131 ne anlama geliyor?<\/h2>\n<p data-start=\"7993\" data-end=\"8155\">KKM bakiyesinin s\u0131f\u0131ra inmesiyle bankac\u0131l\u0131k sisteminde y\u0131llarca ayr\u0131 bir kalem olarak izlenen Kur Korumal\u0131 TL Mevduat ve Kat\u0131lma Hesaplar\u0131 art\u0131k bakiye ta\u015f\u0131m\u0131yor.<\/p>\n<p data-start=\"8157\" data-end=\"8231\">Bu geli\u015fmenin ekonomi politikas\u0131 a\u00e7\u0131s\u0131ndan birka\u00e7 \u00f6nemli sonucu bulunuyor:<\/p>\n<p data-start=\"8233\" data-end=\"8412\"><strong data-start=\"8233\" data-end=\"8283\">Kur riskine ba\u011fl\u0131 ko\u015fullu y\u00fck\u00fcml\u00fcl\u00fck azal\u0131yor.<\/strong> KKM hesaplar\u0131n\u0131n kalmamas\u0131, bu hesaplardan kaynaklanabilecek yeni kur fark\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn de ortadan kalkmas\u0131 anlam\u0131na geliyor.<\/p>\n<p data-start=\"8414\" data-end=\"8638\"><strong data-start=\"8414\" data-end=\"8449\">TL mevduat sistemi sadele\u015fiyor.<\/strong> Tasarruf sahiplerinin klasik vadeli TL mevduat, yat\u0131r\u0131m fonlar\u0131, devlet i\u00e7 bor\u00e7lanma senetleri ve di\u011fer finansal ara\u00e7lara y\u00f6nelmesiyle mevduat yap\u0131s\u0131nda KKM\u2019ye \u00f6zg\u00fc ayr\u0131 bir \u00fcr\u00fcn kalm\u0131yor.<\/p>\n<p data-start=\"8640\" data-end=\"8906\"><strong data-start=\"8640\" data-end=\"8707\">Para politikas\u0131ndaki \u00f6zel KKM d\u00fczenlemelerine ihtiya\u00e7 azal\u0131yor.<\/strong> TCMB\u2019nin daha \u00f6nce KKM\u2019nin yenilenmesi, TL\u2019ye ge\u00e7i\u015fi ve zorunlu kar\u015f\u0131l\u0131klar\u0131na y\u00f6nelik uygulad\u0131\u011f\u0131 \u00f6zel d\u00fczenlemelerin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc \u00e7\u0131k\u0131\u015f s\u00fcrecinde kald\u0131r\u0131ld\u0131.<\/p>\n<h2 data-section-id=\"ymiy4j\" data-start=\"8908\" data-end=\"8942\">YUVAM hesaplar\u0131 ayr\u0131 tutulmu\u015ftu<\/h2>\n<p data-start=\"8944\" data-end=\"9231\">TCMB\u2019nin 23 A\u011fustos 2025 tarihli KKM karar\u0131nda <strong data-start=\"8991\" data-end=\"9037\">YUVAM hesaplar\u0131 a\u00e7\u0131k\u00e7a istisna tutulmu\u015ftu.<\/strong> Bu nedenle BDDK\u2019daki standart KKM kaleminin s\u0131f\u0131rlanmas\u0131 ile yurt d\u0131\u015f\u0131nda yerle\u015fik ki\u015filere y\u00f6nelik YUVAM sistemi ayn\u0131 kavram olarak de\u011ferlendirilmemeli.<\/p>\n<h2 data-section-id=\"zlscq7\" data-start=\"9233\" data-end=\"9275\">Yakla\u015f\u0131k 5 y\u0131ll\u0131k d\u00f6nem b\u00f6ylece kapand\u0131<\/h2>\n<p data-start=\"9277\" data-end=\"9417\">Aral\u0131k 2021\u2019de d\u00f6viz kuru oynakl\u0131\u011f\u0131n\u0131n yo\u011funla\u015ft\u0131\u011f\u0131 bir d\u00f6nemde uygulamaya al\u0131nan KKM, A\u011fustos 2023\u2019te 143 milyar dolarl\u0131k b\u00fcy\u00fckl\u00fc\u011fe ula\u015ft\u0131.<\/p>\n<p data-start=\"9419\" data-end=\"9601\">Ard\u0131ndan ba\u015flayan kademeli \u00e7\u0131k\u0131\u015f program\u0131 kapsam\u0131nda bakiye s\u00fcrekli azalt\u0131ld\u0131, 2025\u2019te yeni hesap a\u00e7\u0131lmas\u0131 ve yenileme i\u015flemleri durduruldu ve mevcut vadelerin tamamlanmas\u0131 beklendi.<\/p>\n<p data-start=\"9603\" data-end=\"9772\"><strong data-start=\"9603\" data-end=\"9772\">21 A\u011fustos 2026 haftas\u0131nda kalan son hesaplar\u0131n da sistemden \u00e7\u0131kmas\u0131yla, yakla\u015f\u0131k 5 y\u0131ll\u0131k Kur Korumal\u0131 Mevduat d\u00f6nemi bankac\u0131l\u0131k sistemi a\u00e7\u0131s\u0131ndan tamamlanm\u0131\u015f oldu.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin ekonomi g\u00fcndeminde Aral\u0131k 2021\u2019den bu yana \u00f6nemli yer tutan Kur Korumal\u0131 Mevduat\u2019ta (KKM) kalan son bakiye de sistemden \u00e7\u0131kt\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) 21 A\u011fustos 2026 haftas\u0131na ili\u015fkin verilerine g\u00f6re, bir \u00f6nceki hafta 4 milyon liraya kadar gerileyen Kur Korumal\u0131 TL Mevduat ve Kat\u0131lma Hesaplar\u0131 bakiyesi s\u0131f\u0131rland\u0131. B\u00f6ylece bir d\u00f6nem 3,4 trilyon liraya, dolar kar\u015f\u0131l\u0131\u011f\u0131yla yakla\u015f\u0131k 143 milyar dolara ula\u015fan KKM\u2019nin bankac\u0131l\u0131k sistemindeki bakiyesi yakla\u015f\u0131k 5 y\u0131l\u0131n ard\u0131ndan tamamen sona erdi<\/p>\n","protected":false},"author":14,"featured_media":46534,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[54,15087,15086,432],"class_list":["post-46532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bddk","tag-kkm","tag-kur-korumali-mevduat","tag-tcmb"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kur Korumal\u0131 Mevduat\u2019ta d\u00f6nem kapand\u0131: KKM bakiyesi s\u0131f\u0131rland - Merceknet Haber<\/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:\/\/www.merceknet.com\/tr\/2026\/08\/27\/kur-korumali-mevduatta-donem-kapandi-kkm-bakiyesi-sifirland\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kur Korumal\u0131 Mevduat\u2019ta d\u00f6nem kapand\u0131: KKM bakiyesi s\u0131f\u0131rland - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"T\u00fcrkiye\u2019nin ekonomi g\u00fcndeminde Aral\u0131k 2021\u2019den bu yana \u00f6nemli yer tutan Kur Korumal\u0131 Mevduat\u2019ta (KKM) kalan son bakiye de sistemden \u00e7\u0131kt\u0131. 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