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Period: 21 Legislative Year: 1 Warning: You Are Viewing The Law, Parliamentary General Assembly Accepted. If It Does Not Contain Any Changes That Are Made Later. Banks Act

Original Language Title: Dönem : 21 Yasama Yılı : 1 Uyarı: Görüntülemekte olduğunuz Kanun, TBMM Genel Kurulunda kabul edildiği halidir. Varsa daha sonra yapılan değişiklikleri içermemektedir. BANKALAR KANUNU

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Period: 21 Yunder: 1

Warning: The Law you are viewing is considered to be accepted at the General Assembly of the TBMM. It does not contain any later delics if it exists.


BANKS ACT

 

Kanun # 4389

 

Accepted Date: 18.6.1999

Purpose and scope

MADDE 1. - 1. The purpose of this Law is to protect the rights and interests of the owners of the savings, to ensure that the credit system is effectively working in an effective way, taking into account the needs of trust and stability and economic development in the financial markets, and the management, management, to edit, transfer, transfer, and purge.

2. In Turkey, the banks of Turkey and the banks to be established and the banks to be established are the provisions of this Law in Turkey. The provisions of the banks, which are established by special laws, are also under the provisions of this Law. General provisions are enforced in this Law.

Tanks

MADDE 2. - In the implementation of this Law,

Secretary of State; Secretary or Minister of Government,

Institution; Banking Regulation and Supervision Agency,

Board; Banking Regulation and Supervisory Board,

President; Bank of Banking Regulation and Supervisory Board,

Central Bank; Turkish Republic Central Bank of Central Bank,

Fon; Savings Deposit Insurance Fund,

Banka; under the name of the bank The companies established in Turkey and the bank's banks in Turkey,

, except for units of electronic business equipment, include business, agency and deposit acceptance, or other banking entities. any local authorities, such as fixed or mobile offices,

Paid capital; paid for and paid to and paid to Turkey as a de facto and any kind of success in three-month account summaries. From their capital, the damage seen on the balance sheet has been left unrayed by spare flows. Then the remaining amount,

Auxiliary Flows; dated 29/6/1956 of the Banks and 6762% of the Turkish Commercial Code and related laws, and the balance sheet, if any of the spare flows seen in the quarterly account summaries. amount of }

Resource; banks, or other capital-like resources that will be set up by the Board,

Importes.

Organizing and Controlled Institution

MADDE 3. - 1. To ensure that the law and related legislation are implemented by making arrangements within the framework of the entitlements shown in the Law, to supervise and conclude the practice, ensure that savings are guaranteed and are provided with the Law. The "Banking Regulation and Supervision Agency" is the establishment of the public legal entity, which has administrative and financial autonomy, to do the tasks and to use the powers. The agency said the rights and banks of the savings owners would be in a steady and orderly manner and avoid any business and practices that could cause significant damage to the economy, while the credit system was effectively stealing. It is responsible and authorized to take and implement the necessary decisions and measures to ensure that it is necessary. The center of the institution is Ankaran. The Enterprise may be able to install it in places where it is required.

2. The Secretary of the Union, including the Fund, checks the expenses of the Institution with the annual accounts of the Institution, overseeing a commission from the Chief Minister and the Finance fund; it will take the necessary measures regarding the results of the audit. A report showing the audit results and their progress and measures are presented to the Council of Ministers by the relevant Minister in conjunction with the Agency's annual report of activity.

3. The institution's decision body is the Banking Regulation and Supervision of the seven members, one of which is the president, one of which is the second one. The board is the president, the Agency is also working. Members must have at least undergraduate level knowledge in the areas of law, economics, finance, banking, administration, public administration and engineering, or in engineering areas related to these branches. Two of the four candidates to be proposed by the Treasury are two, the Finance Ministry, the Central Bank, the Banks Association of Turkey, the State Planning Review and two of the two candidates to be proposed by the Capital Markets Board. He is appointed by the Council of Ministers. The Council of Ministers appoints one of the appointed candidates as the president. With the proposal and approval of the Board, one of the members is elected as the second one. The Board of Directors ofDevlet

a) will be proposed by the Treasury, the Central Bank and the Banks Association of Turkey, and the State Planning Agency and the Capital Markets Board are expected to be proposed. diðer

b) State Planning Review and the Capital Markets Board will recommend that the candidates to be offered are fixed at the bank or finance, and senior management has done so. the candidates were de facto twelve years old, in the field of banking and trade law. Your }

c) are the candidates to be recommended to the Ministry of Finance, with at least twelve years of senior manager or control personnel in the field of finance,

Bid required.

4. a) The term of the board of the Board and its members has been underserved. Members who have finished periods can be reelected. If the members and memberships have been engaged for any reason without due process, then within two months of the above-mentioned basis, the selection and assignment will be made. Those who are assigned in this province will complete the term of their assigned replacement. If the members were unable to see temporary ideation for illness, accident, and sair reasons, and if the Board's decision-making was compromised, then, instead of going through the top job, the institution said it would have to do so by the order of the institution. It's a proxy. If the temporary idyllic state lasts for more than three months, the members of that state will be able to sign up and place their place within seven days.

b) The Board President and its members are due to end their duties without due process. can't be done However, the Board of Board and its members who have been granted a conviction for their role in the crimes they have committed in connection with their duties, however, have been determined to have lost the necessary conditions for their appointment, or to have their status (5) against the number of the number of people. Before they expire, the Secretary of State will be relieved of his duties. In this case, it will be assigned to the member within two months at the latest. If this situation is compromised by the Board's decision making, during this time, the Institution will see the task of membership of the Institution of Founders Of The Institution, according to the order in order to meet the highest professional mandate.

c) This is the result of this instance. there is no problem in the property and due diligence rights of the Badr Yardsmen who are acting or acting to the members of the Board who are under their control.

5. The members of the board cannot take any official or special duties, trade with trade, free trade activities, pay a fee and so on, take part in all kinds of partnerships, and cannot take any personal or special duties, based on private law. They can't They ca n' t be managed in places like associations, foundation, co-op and so on. Board members cannot be charged as a top-level agent in the installation of these laws for three years following the removal of the members.

6. The members of the board swear that they will conduct their duties with full attention and integrity during the continuation of their duties in the presence of the First President of the Judge, and they will not move and move the law to the provisions of the Council of Law. The man who was made for the oath is one of the most hurriously hurled men. Board members cannot start the task unless they are sworn in.

7. The board convenes at least five members of the United States and at least five people at the time of the President's office. The board votes cast at least four members in the same direction. The board decisions are final. Members and members of the 1086-numbered Law of Law Procedure (3) may not be able to engage and vote on any of the issues related to the people who are related to the ranks of the 245 (3). The general administration and representation of the institution and the decisions of the Board of the Board of the institution belong to the President. The permission of the President is the first, at home, at home and abroad, to be a representative of the First Minister.

8. Members of the Board and any personnel of the Institution, who are involved in their work and audit, cannot open and use their own benefit from the authorities of the third party, who are legally authorized to do so. This obligation will continue after they are relieved of duty. The government's state property is the money, the documents, and the assets of each of its assets. Board members and Institution staff are the civil servants who are committed to their duties or because of their duties and to the care of the crimes committed by them. The questions of this are made according to the general provisions. The Secretary, members, and members of the board need permission to be asked about the board of the Board.

9. The institution may request all kinds of documents and information, even if it is confidential from the ministers, relevant official and private institutions, on matters related to its duties. They are obliged to answer the question, and to make it easier for the authorities to do so. The Enterprise provides information and information on issues related to the execution of money, credit, and banking policies of the Central Bank with the Undersecretary of State Planning and the Undersecretary of State Planning, in the event of their demands or requirements.

10. Under the foreign country law, the authority of the authorities to control and request information in the financial markets of the authorities operating in the financial markets of their respective countries is met with the Board of the Board of the Republic of Turkey. It's a warrant. The information requested for these mercilages can be issued by the Institution with the registration of not being opened. The board can find all kinds of banking and information about banking within the framework of what foreign countries are authorized to control.

11. The institution is authorized to issue regulations and the regulations on the implementation of this Law with the decision of the Board. The Board and the Institution will use its powers by establishing regulatory actions and making special qualified decisions. Regulations and emails are published in the Official Gazette, and are to be published. Special qualified decisions are made available to the Agency's haftalink newsletter.

The installation and service units

MADDE 4. - 1. In his duties to the President, he is appointed three assistant judges with the decision of the Board. He has received at least a minimum of ten years of experience in law, economics, finance, banking, administration, public administration, statistics and engineering, and at least ten years of working on matters entering the Institution or the Institution's office. ..

2. a) The service units of the institution are the main service units, Banks Sworn Stamps Installed, advisory units and assistant service units in the department of agency tasks and entitlements required by the institution. The service units of the institution and the duties and responsibilities of the institution are regulated by the Council of Ministers on the proposal of the Council.

b) This Law requires the necessary tasks and services that are required to be established with the law and services of banks and other personnel and professional staff from the banking expert and expert assistance staff. yürütülür

c) The banks that have been stolen under the establishment order are sworn mucoons and their help, and banking expert and expert judges, and other personnel are employed as a word of promise.

d) At least undergraduate level of banking expert help topics are selected by selecting the result from candidates who are at the minimum level of undergraduate level. The expert help is that the expert thesis that they will prepare for at least three years of work and a positive record will be agreed upon by the Board, and if possible, with the positive vote of at least five members. They are appointed as the banker's expert in the decision of the Board of Assembly. The banking expert and expert help and assistance will be regulated by regulations and regulations.

Banks sworn mugs

MADDE 5. - 1. The laws and balances and balances and balances and balances between the banks and the banks of any kind of banking business, their assets, creditors, equity, debt, profit and loss accounts, and their assets. The banks, which have an established Council, are sworn in and are sworn in.

2. Banks and their judges are the bank and the bank, which is authorized to examine the tax and review the duties of the Turkish Money, which is dated 20/2/1930 and of 1567, to be registered with the duties written in this Law. they are authorized to control the provisions of the law on the banks of all banks, such as those that have the provisions of the additional 1st article of the Law, as well as the banks of the law.

3. Banks and its judges, banks and banks, and other real and legal entities, will see all the information they will see about the provisions of this Law, and to review all the ledger, record, and documentation of these Law. They are authorized to provide information and to provide information that is requested, they are required to review the ledger, the record, and the documentation.

4. The public institutions and its organizations, the Central Bank and the like, and the Risk Center will have all the information that will be requested in connection with their duties, and the banks will be sworn in and they will give them to the judges.

5. The banks are under oath to take part in the talk about their help and get picked up by the candidates who have made it through the candidates. At least three years of banks have sworn to leave, and those who show up in the lack of competence are appointed to the banks under oath, with the favorable vote of at least five members, and the banks are sworn in as a sworn statement.

6. The banks are under the status of the Board of affidavits, the institution is the assistant judge, and the banks will take the oath and authority.

7. The banks are sworn in, and their judges cannot control unless they swear at the Court of Trade in Ankara, in Ankara.

8. Banks are regulated by a regulation that is based on the work of the affidavits and the procedures.

Property and property rights of the enterprise, Institution budget

MADDE 6. - 1. a) The provisions of the Republic of Turkey Pension Sandal Code and the provisions of the Republic of Turkey with the Pension of the Republic of Turkey are applied to the Assembly's personnel and the members of the Board of Institution. At the retirement of the Board of Ministers, the members of the Board of Ministers, Deputy Director General of the Institution, Director General of the Banks Association of Sworn Positions, Department of the Board of Ministers, Department of the Institution Board of the Assembly, the institution is the 1st Grade The Chief Executive Officer of the Department of State, who has given at least four years of higher education, has finished faculty or high schools, has been authorized at the Turkish level, has audit or inspection authority, and the first-ranked banks have been ordered by the ministry of sworn muraccoons. The faculty or higher education, which gave me at least four years of higher education. finished, with the first degree of earned rights, additional indictable and paper compensation is applied to the bank's experts. The times passed in these tasks are passed on the tasks that require the paper compensation to be paid.

b) The board and its memberships are provided with the law before the appointment is made available to the social security institutions. The provisions of these institutions will continue, and the above provisions are not applied.

c) The Council members who are assigned to the Board and their membership will be cut off from their former duties in the process of the Board. However, after the end of their duties on the Board, they are appointed by the relevant Minister to a cadre in accordance with their acquis. The resources required to win academic titles are saved.

2. a) The monthly fees of the members of the Board are determined by the Council of Ministers.

b) The fee and other financial rights of the institution's staff are determined by the Council within the framework of the principles that will be determined by the Council of Ministers.

3. The institution's expenses are made according to the annual budget, which is in effect with the Board decision. The budget year of the institution is calendar year. The budget is scheduled for thirty days before the budget year, and expenses are met with payments to the Install prior to the previous year's balance sheet totals coming into the budget by banks. The amount of money that will be collected for expenses cannot exceed three thousand of the banks ' balance sheet totals. Expenses that are not paid during the specified period are collected in accordance with the provisions of the Law on the Allowance of $6183 of Amme receivemes. The budget implementation results of the board are described as the Annual Financial Report and the Budget Final Account, which is the decision of the Council of Ministers.

4. The institution is a member of the Grand National Assembly of Turkey Grand National Assembly dated 26/5/1927 and numbered 1050 in Accounting-i Hope Law, dated 14/7/1965 and numbered 657, State Clerk of State, dated 2/4/1987 and the number of Public Foreign Affairs of 3346. The Law, dated 21/2/1967 and numbered 832, dated 8/9/1983 and numbered 2886, dated 10/2/1954 and numbered 6245, were in addition to the additional and deans of those with the Harrirah Act.

5. The Board members and all personnel of the Institution are required to take part in the status of 14/7/1965 and the status of the article 48 (A) of the State Officers Act of 657 of the State Officers Act 1, 4, 5, 6, and 7.

6. The provisions of the 2822 numbered Consolidated Code of Business, Strike and Lokamp Law, and the provisions of the strike and lockout ban are also applied to the Agency services and its agents.

Banks ' installations and operations are essential

MADDE 7. - 1. The Council of Ministers is allowed to decide whether to establish a bank in Turkey or to open the first office of an established bank in Turkey, which is to decide whether to vote on the positive vote of at least five members. The basis and procedures for the dislocation of the fire are based on a proposal by the Council of Ministers upon the proposal of the Council. The permissions for the installation or installation in Turkey will be invalid if it is not operational within one year from the date of the permit.

2. A bank to be installed in Turkey;

a) Install in the Anonymous company,

b) Installed;

ba) Do not declare a principal or concordato,

bb) Banks, banks, insurance companies, and banks operating in money and capital markets, and the Fund has no share of 10 percent or more in banks that are delegated to the bank and the Fund has been transferred,

bc) the right to a bank in a bank that is being used in the right of 14th article no more than ten per cent or more per share,

bd) imprisonment or more than five years in prison or simple and qualified embezzes, contact, dreams, even if they are in the face of the amnesty, except for the Takcirli crimes Trafficking, fraud, falsification, anti-fraud, anti-fraud, anti-fraud, anti-fraud, fraud, abuse, abuse, and acquisitions, money laundering or government fraud, fraud, fraud, abuse and abuse of the state. whether or not to open, tax evasion, tax evasion or tax evasion. no need to be convicted of their crimes,

being } the bank founder or partner has no financial power and reputation,

c) The stock has to be cash-free and complete to be written, to document who is the legal entity's management and control, and to address the companies that are wanted by the founders,

d) Twenty-one of the capital that is paid as a bee from all types of muvasaas. No less than a trillion liras,

e) This is the Law

is eligible for compliance with its provisions.

3. No less than the amount specified in the }

a) Turkey's repaid capital (d) to operate in Turkey,faaliyet

b) It increases theÞarttýr

February to prohibit or avoid deposits or acceptance of deposits in the countries where they are installed or in operation.

4. A bank that has permission to install or open a bank with permission to power in Turkey has allotted a permit to perform deposit acceptance or banking operations. This permission is given to the Board on a statement that will be made with an affidavit. The permits issued are published in the Official Gazette. The Agency will provide the necessary corrections to those involved in the regulations made based on this Law and this Law, and give them a good time to complete the deficiencies and to complete the necessary corrections. During this time, the results of those who are rebatable are at the end of the review, and those who do not comply become the result of the result, and the permission to install will be invalid. It is determined that the original and procedural regulations will be established in accordance with the basis of the dislocation of the President. Kuruluþ

a) No cash is paid in cash,

b) per cent of the install permission may be operational before the install is operational, and the remaining percent is operational as of the operational date of the day. to the extent that the per cent of the minimum capital specified in the Fund (d) of the minimum capital identified by the founders,üzere

c), will be able to actuate the banking process by the founders, including in the year. management, personnel, and technical equipment,

The result is increasing.

5. In order to engage in the establishment of the Turkish bank in Turkey, the bank's establishment or opening of the bank by the bank's office is temporary or temporary, with the main areas and areas of operation, account and registration, and audit procedures and activities. the continuous stop is determined by the decision of the Board. Except for the banks involved in the appropriate bank activity, the laws of this Law, dated 14/1/1970 and the Central Bank of the Republic of Turkey, numbered 1211, are not applied. However, in the bank's bank, The provisions of this Law on the banking activities in the free zones are enforced.

The ansitarial and common deities of banks

MADDE 8. - 1. The proper vision of the Agency is to be sought in the management of the banks ' misses. Non-compliance designs are not visible to the general assembly. The regimen cannot register for the Trade Registry, without the proper vision of the Establishee. The part of the capital, which is determined to increase capital as part of the legislation, will not be considered in the equity account.

2. a) A portion of a person's share of the bank's capital and more than the dollar or indirectly, or a share of the bank's share of the bank's share of the bank's capital by ten, twenty percent, thirty-thirty percent or fifty percent of the bank's share. The portion of a portion of the Board's permission, which results in the disclosures of a partner's share of the above and a partner's share of the above. A share roll out of the permission is not signed into the share book without permission, which leads to the common number of people who are already out of the business. The records that are made to the pay book are void. This provision is also imposed in the repaification of the shares with the right to vote. The transfer of any member state privilege to the management and control boards or the transfer of stocks that have been subject to the intifa is subject to the Board's permission,bakýlmaksýzýn

b) The dollar or indirectly ten percent. And the partners who have more and more are looking for the qualities that are wanted in the founders. The partners who have lost these qualifications cannot benefit from the partners ' rights in the dividend, which acquire a share without obtaining the Board's permission. In this case, the rights of the other partners are used by the Fund.

c) It is mandatory to document who the actual people who have the administration and control of the inherited legal entities are required to document the management and control of the inherited entities in the interest-to-share period.

d) The full share ownership in this matter application is determined by the number of the number 11 (b) number of the number 11 (3).

Application and organs of banks

MADADE 9. - 1-a) The boards of banks may not be less than a five-year. The bank's general manager is a member of the board of directors of the people who are not. The results of this Article (2) of the number (2) of the number (a) are also sought for more than half of the members of the board of directors, except for the duration. The general manager of the Murrahhas members is required to take part in the search. A three-year principal board of directors is installed at the management centers in Turkey, including the director's authority and responsibilities, including the head of the center, in Turkey, which is engaged in the Turkish city.

b) Members of the board of directors of the banks and directors of the Turkish cities of Turkey are obliged to swear by the board of directors and members of the board of directors and members of the board of directors of Turkey. These are the provisions of the bank's designated dibs, dated 19/4/1990 and 3628 in the Mal Declaration, and the provisions of the Law Against Dignity and Corruption. The basis and procedures of the oath and the declaration of the goods are determined by the Convention.

c) The authority to open a loan belongs to the board of directors. The Board of Directors may transfer this authority to the credit committee or the general manager within the framework of the principles and principles to which the Board is determined. The acquisition and decision making by the credit committee is set to the Board.

2. a) The law, economics, management, finance, banking, public administration and engineering of the Bank's general managers are at minimum undergraduate level in the field of engineering and at least in the field of banking or civil policy. They have ten years of professional experience.

b) The bank's general manager's assistance in being in the areas specified in the minimum race (a) is that I have at least undergraduate level, and at least seven years of professional experience in the field of banking or business. They have to have them. Even if they are employed with titles, the authority and duties of the general manager, as well as other than the general manager's jurisdiction, have the provisions of the general manager of this Code.

3. a) The installation will be notified, along with documents indicating that they are going to be assigned to the public manager and their help, as well as the information they are looking for in this item. The assignees of these may be made if they are not notified of any unjustified vision within seven days of the date of the date of the installation of the Notice.

b) The general manager who is removed for any reason and The reasons for the removal of the deposed are reported by the bank and the office within seven days of the date of departure.

c) In this matter application, the central bank in Turkey is the central bank in Turkey. The director general is the director of the Board of Directors, as well as the general manager.

4. Banks are in risk control and control with an effective internal control system to be determined by the scope and structure of their activities in order to monitor and maintain control of the risks due to their actions, and which will be determined by the regulations to be determined by the management system, they are obligated to install the system. It is imperative that banks have enough money to control their compliance with the banking policies and compliance.

5. Those who were punished with the violation of the provisions of the provisions of this Law, or more than once, were punished, except those who did not comply with (b) the subdue provision of the 7th clause (2) of this Law. a bank's board of directors, member, auditor, general manager, general manager, or failure to make a first degree of signing authority as a haiz stealman. The banks will have to immediately remove the signature powers of such people. As a result of audits, members of the bank who have been identified as violating the provisions of this Law or related other legislation and who are in a safe way to make sure that the bank is in a safe way will be asked to prosecute the law and board the board. It is mandatory to remove the signature authority temporarily upon request. They may not be able to play at any bank as a number of haiz personnel, as they are not authorized by the Board.

6. a) are free to comply with the principles that will be set up by the Bank and are free to sign up with the record of standard rates that will be effective in compliance with this Law. The board may be able to keep track of the banks that are required to open up the business. Banks are required to have equity in proportion to one per cent of the minimum 7 (d) number of items (d) of the minimum 7 (d) number of items per person except for the central capital.

b) Banks established in Turkey They have to obtain permission from the Board to open the company or representative office in the country.

c) The board's permission to not accept deposits and to do non-banking operations in Turkey is permitted by the Board of Turkey the following.

Depositions of Mevasatailiþkin

MADDE 10. - 1. In accordance with the laws of the law, which are authorised according to this Law, there are no real or legal entities that have originally been able to accept deposits by acquiring a real or legal entity, as well as trade titles and public statements as they may not accept deposits, and they cannot use statements and statements that will create the impression that they accept deposits in their ads. It is written in the implementation of this Law, either verbally or verbally, or if it is requested to be announced to the public in any way, or that it accepts money acceptance deposit acceptance for return in a certain term. The issuing of a deposit wallet, receipt of documents, receipts, and similar documents in place of the deposit box are not to prevent the deposit of the money from the deposit. In partnership with official and private organizations, the individual and social assistance of their own people, including their own people, and their own members of the debate for the purposes of saving, and the money raised for these purposes, this Law. There are no deposits in the application. No provisions of this clause are applied on export of capital market instruments according to the provisions of the Capital Markets Act of 28/7/1981 and the Capital Markets Act of 2499.

2. a) Banks are required to leave savings deposit accounts and deposit accounts according to the maturity and type of deposit accounts to be determined by the Central Bank.

b) Savings deposit is this one by real people. Deposits that are not subject to commercial lends. However, no trade check is counted on account of undue savings account accounts.

c) If a bank is insolvant, savings deposit holders will receive savings savings to come after the Fund's credits. They will be privileged to make a concession for the first time in the 206 ncu clause of the British and Israeli Law.

3. For the non-signeying part of the non-signon. The provisions of the Turkish Law, dated 17/2/1926 and the number of 743 Turkish Law, dated 22/4/1926, and the provisions of the Law of 818 and the terms of the transfer and the provisions of the Law, and the obligations of the laws of the Republic of Turkey, are to remain hidden, The rights of the deposit holders to withdraw their deposits will not be inseparable at all. The deposit holder and the bank statement are saved in the maturity and tip time.

4. The most recent request from any deposit, escrow, and credits in the banks, regardless of the date of the transaction or the instruction manual, is a timely manner for those who have not been searched in ten years. The deposit, escrow, and credits of the time period are recorded in the Fund. The basis and procedures related to this are determined by the Convention.

General loan results, credit, partners, and members credit

MADDE 11. - 1. The issuing of a bank with non-cash loans and letters of guarantee, non-bail loans such as bail, bonds, turnover and acceptties, bonds and similar capital markets, such as bond and other capital markets, are offered by a tevdiatta, or any other company and surentals. They will receive a credit in the application of this Law, whose credits are due to the maturity of the existence of the assets, the cash loans of the past, and the price of the informal loans, the loan is counted in this Law application.

2. a) A bank cannot grant more than twenty per cent credit, aval and bail out of its equity, for real or legal self-sources. Loans to be used by a common partner to be used by a partner is a credit to the partners at the rate of liability.

b) More than ten percent of bank equity, either from a real or a non-rec, or indirectly. The avals and Baks, which are accepted by loans at a rate of excess, are considered large loans and cannot take up to eight times the sum of their collected self-resources, except for the accepted avals and bail.

3. a) The sum of the credit for the amount of credit in a bank's indirect loan, including the amount of credit for the amount of credit that will be opened to each of them (2), is the sum of the sum of the bank equity funds raised in all the actual or tannuities within the bank's direct loan. Not able.

b) Whether to credit the application of this Law;

a) The fact that they are responsible for and responsible for their children in custody and custody with a real person. installed, member, general manager, or general manager help ortaklýklara

The loans provided by the partner,doðrudan

, to the partners in which they are less than or indirectly invested in the capital or (ba) subbendy of their subbendy. The credit is counted as a real or a rec. The direct rate is to multiply the rate of action.

c) The actual or tbc found within the indirect loan is the bank accepted avals and bail credits for these credits. is not considered in the account.

4. Excluding the guarantees and guarantees issued for the purpose of the cash loan, informal loans will be considered at twenty per cent in the implementation of this Article.

5. Countries with economic cooperation and member states and credit institutions in other countries to be admitted to the Board, or bonds, bonds and other capital markets that are guaranteed to be paid or paid by these institutions, are provided. The following warranties are considered within the Board.

6. The following credits include:

a) Business with current cash,

b) The Treasury, Privatisation Body, and the actions of the United States of Mass Housing. Financial and bonds,merkezî

c) Economic and Development Organization member states and the central administrations and central government of the countries to be admitted to the Convention. services with the banks, or the guarantee that they are either stolen or paid by these institutions funds, bonds and similar capital market instruments,

d) the headquarters of the Central Bank or the markets in this Bank,

e) the Central Bank of Turkey, and Turkey's Israel and The turnover of reeskort loans and advances issued by the Credit Bank,

f) Banks of their own,

g) Diyaker banks with their own credit guarantee. awarded non-informal loans,

h) Credit limits A new loan allocation of loans, previously listed in foreign currency, has increased due to the current account set in history, the current account has increased due to current rates of currency, the loans said, and the current account. The interest and other elements that are accened to the loans that are due to maturity.

7. The number of these articles (1), (2), (3), (4), (5), (5), (6), and (6) are the banks;

a) that their capital has ten percent and more,

b) (a) in the Real and real-to-real, with the bail of partners in

c) (a) and (b) that they have more than twenty percent of their capital, including the bank's share of the bank, or the bank's share of the bank

The two tiers of the sum of the credit for the loan Not allowed.

8. The provisions of this Article (1), (2), (3), (4), (5), (5), (5), (5), (5) and (6) are required to cover ten percent and more of the capital of a bank, and to the second degree, including this degree, including blood and water. The sum of the credit for the sum of non-real or real loans that enter the credit scope cannot be completed by the sum of the bank's equity.

9. Banks;

a) The board of directors and its members and its members general manager and judges, who authorized to open the loan, the children and their children in custody, and their share of capital, along with the percentage of their capital. yirmibeþ

b) (a) the members of the Bank who are in and out of custody with the remaining members of the Bank,

c) The members of the Bank or are they installed sandal, association, union or foundation,

What is the And if they do, they can't give credit, they can't accept their bail, and they don't get to sell bonds or other securities. (a) the bendi provisions are not applied to the shareholders of the board of directors and the shareholders of the actual business within the scope (8) of the board memberships. The management and administration of a bank, or any of the people in the administration and control boards, is also the key to this bank, which is preventing the installation from doing business with the bank. The loans and loans that will be used by the transfer of credit cards under the basis of regulations to be issued to the members of the bank to avoid the return of the monthly net charges, and for the loans that are to be used by the credit card, are accepted for The bail provisions are in order to the provisions of this fikra.

10. It is mandatory to liquidate the credits that have subsequently become the same as (8) and (9), the credits that have become separate to the provisions of the fikra. Pre-detection issues are saved in the loan of the loan.

11. The banks will be able to obtain the loans and the bail or the guarantees they will give, the basis and the procedures that are to be determined by the Agency from those who have made the request. More than half of the capital, public and value-added agencies will open up to the rest of the institutions and partners and banks that have been installed in the public economic community, dated 28/5/1986 and under the scope of 3291 laws. loans and the basis to determine the compliance of the balance sheet and profit and loss rosters ' compliance with generally accepted accounting principles in the case of the amount of accounts that will be taken if the establishment of the loans and the bail or guarantees shall be determined by the Agency In accordance with Law No. 3568, dated 1/6/1989 and numbered 3568, it is authorized to control check

12. Banks have to leave with their loans to deal with losses that are expected to be out of place, or to avoid certain damages, which are expected to be less than certain. The qualifications of credit and receivables, which will be reserved, are regulated by the Council of Ministers upon the recommendation of the original and procedural Council. In the framework of the Council of Ministers set up by the Council of Ministers, the part of the loan is considered to be expenses in the detection of corporate tax on the corporate tax.

People, commodity trading laws on real estate and real estate

MADDE 12. - 1.a) Banks, a partner in financial institutions whose main activity is insured with money and capital markets and operating with respect to their private laws on these matters, at the rate of the highest percentage of their equity. They may be able to move it. The total amount of such partners is not below the percentage of bank equity.

b) Banks and their capital have more than 50 percent, with more than ten percent of the bank's capital. The partners and members of the board of directors cannot be able to move to the partners that are more than 20 percent of the general manager and their assistance or co-capital of their co-owners.

c) The common and installers of a bank may not be able to sell, accept, and not take stock of the stocks of bank stocks that are pushing their capital.

d) It is the permission of the Board to install or to contribute to partnerships in the Bank's dormitory.

e) Non-actualized banks will not be able to acquire any new imposition except for any shares that are not available for any of the current reports.

2. Banks may not be able to buy real estate and sell real estate, as well as purchase and sale of the other countries that will be deemed appropriate to the Board, except for the sale and sale of the precious metals that are available to the Board, in the case of the trade, They cannot add credit to the exclusive real estate trading partners, except for the real estate investment partners, and they cannot open credit to the real and the real people who are doing business with it. The sum of the real estate that banks will acquire may not be able to help the sum of the sum of the sum of the sum of the sum of the records after the depreciation of the estate. The amounts added to the real estate account by redeeming in this calculation are taken into account at fifty per cent. The basis and procedures for disposal of the commodity and real estate that banks have to obtain from their credit are regulated by the regulation.

Account and record layout

MADPLACE 13. - 1. a) It is obligated to keep the banks ' accounts and profit balance sheets and profit and damage schedules in accordance with the basis of the Turkish Banks Association and to keep it in accordance with the basis and procedures that will be determined by the Board, to publish and to send to the relevant authorities. The Board said that it would be able to use the banks to monitor the implementation of this Law and to request any ruler, report and financial statements, taking into account the international principles and standards, and use of the financial system and resources. The relevant standard rates are based on the fact that these ratios and financial statements are deemed necessary, and the basis and procedures of the Turkish Banks Association are authorized by the determinants of the determinants. Banks have to comply with this roster, report, and financial statements and comply with the rates to be identified.

b) Banks cannot register their business and cannot be accountants in a way that is not in accordance with their actual real estate. Banks cannot close their balance sheets with their legal and judicial notebooks, their office, their correspondents at home and abroad, and cannot close their balance sheets.

2. It has started to approve profit and loss rosters by the banks ' public boards, as well as approving the profit and damage schedules. The Central Bank and the Turkish Free Accountants for Free Accountants and Yemeni Financial Services Chambers are the key to the establishment, operation, temporary or continuous interruption of operations, operations of operations, temporary or continuous operation of the operations. It is organized by the Board. The administrative installations are responsible for the damages that will result in the activities of this Law, which will result in activities from the third party.

3. The board will not reissue the balance sheet or profit and damage schedule, along with the revision of the balance sheet or profit and damage schedule, if the reported balance sheet or profit and loss schedule are in fact or not to the public. are authorized to take necessary measures against the inclusion of the deposit holders, including the

4. Banks are required to consolidate the financial statements of the partners that they have with the administration and control within the framework of the scope and guidelines to be identified by the Board.

5. Banks will not invite copies of the 213-count Tax Procedural Code to remain withheld with the registration of documents related to their writing, or to invite copies of the software from the lines of office, which will not invite the city from the lines of office, or the machine. They have to keep their clothes in their apartment by editing their forehead by date and number. It is possible for these documents to be stored in microfilm, microfide, or electronic, magnetic or similar environments within the framework of the principles and principles to be determined by the Board. The decisions of the bank's board of directors and the decisions of the directors of Turkey's offices in Turkey are determined by the decision of the date and number at 29/6/1956 and the number of dates and numbers, including the decision not to be opened and sold, among other things. the number of Turkish Trade Law provisions, which will not invite any other people to invite the other person from the opening of the text, they will not be invited to the end of the day, and each decision is made by the members of the country. It's a signature. With the permission of the Establishments in banks whose volume is large, the leaves will be used with novice leaves and subsequent callicitations instead of the decision books with the registration of cilantes.

As a result of the checks Measures to be taken

MADDE 14. - 1. As a result of the audits, it is based on this Law and this Law to determine the compliance and regulations of the bank, the principles and regulations of the bank, and the detection of any kind of action that would endanger the bank's confidence in the bank, alert the relevant bank to ensure that the measures are corrected and not to be challenged again in case of criminal action to be made about those responsible for. Within the given time, the Bank has to take the necessary measures to the Agency and to inform the establishment of the measures taken. The Board of Directors of the Board of Directors, in the event of a repeat of the actions and importance of the Board of Directors, the completion and importance of the actions, all or one of the members of the Board of Directors, in the event of a repeat of the actions that are likely to be compromised by the imposition of the measures, or the importance of the bank to be seriously compromised by the measures. to assign members to this organization by removing or increasing the number of members,

b) The activities of the Bankanin will cover all the activities or necessary to see as of the types of activities, or the correspondents with the correspondents. primlerini

c) The deposit insurance premiums of the Bankann To raise or to keep the deposit up to a hundred percent of the deposit, including

, to take and implement any measure for the protection of the deposit holders and the protection of the deposit holders. authority. According to this item, the fees for the members of the board of directors to be assigned to the Banks are identified and are made available from the Fund.

2. If the presence of a bank is not able to meet its commitments as of the maturity or if this is about to be real, Kurum will provide a suitable time for strengthening liquidity from the bank;

a) No time for term or durations,

b) }

c) No increase in the increase or capital-like long-term resource,

He might want to take it. The board said it would provide liquidity to the bank by strengthening the liquidity of funds or real estate, or to provide an advance or deposit, or to take over loans from the Fund, to strengthen liquidity. to ensure that the bank is guaranteed to be guaranteed by the Fund in order to extend the arrears to the Fund.

3. In the event that a bank's income-expense balance has deteriorated and this situation has gained continuity, the Institution will provide an appropriate time and increase expense and revenue, including increased capital for fixing the situation from the bank. want the measures taken. According to the information and scope of the measures taken by the bank, the Board would consider postponing or postponing the financial obligations of the Board by taking the Central Bank to strengthen the financial obligations of the bank. authority. If you determine whether the required measures may be taken or due to damages, the bank capital will increase the amount of time you will be given by the Board of the Bank if it is to be determined to recover. stockholders are invited to the increased capital in the company. The provisions of the Turkish Commercial Code, dated 29/6/1956 and numbered 6762, are not applied if you decide to increase capital by the Board. If you are not committed to the Board of shareholders whose shareholders or people have been delegated to the Convention in which the increased capital is given, the Board is committed to the Fund by the Fund.

a) Payment by,

b) is a property of the product, including the transfer of a bank to or from a bank by providing financial support to the Fund, if necessary,

the strengthening of the constitution and the reconstruction of the bank are authorized to take every precaution and ask for its implementation. The board may allow for the strengthening of the financial system in forced states and real estate.

4. a) Use or bank the management and control of a bank in its own ways, whether single-party or co-existing partners are in danger of making sure that bank resources are stolen in a manner that is assured by the bank's resources. If they are determined to damage the surcharge, the Board has the authority to transfer the management of the bank and the bank to the Fund, except for the dividend. The resources or damage used in this country may not be returned or recovered during the time given by the Institution, or otherwise, sources and damage caused by the resources and other harm used in this manner. If you don't need any shares, the Fund will continue to indent the Fund. If the management of the bank is transferred to the Fund, the management and control of the bank on the written notice, or indirectly, with the partners that you hold sole or co-operation of the company with ten percent of the capital's capital. Actual shareholders with more than seven days at the latest include their own, business and custody children, property and services, foreclosures of goods, rights and credits, and securities and all kinds of profits and benefits. revenue and, in two years prior to the notification, as an ivase or an izz, They have to give the Fund a property statement that shows the goods, rights, credits, and property of the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, the goods, and the goods that they The provisions and conclusions of this declaration of goods apply to the relevant provisions of the 2004 number of the British Law and the Law of the Israeli Law. In the implementation of this provision, the precautionary measure, precautionary measure, is the precautionary measure of the administration and control of the bank on the basis of the institution, or as a precautionary measure to the court order on the assets of the sole or co-existence of the partners that are in the process of The decision of the creditors, including the ban on the citizen's interest, is decided to remove all the necessary containment measures for the benefit of the creditors. In this way, the measures and foreclosures will disappear from the date of the decision, unless it is subject to trial or icra-bankruptcy proceedings within the next six months. The institution does not search for a weak form in the cancellation case of 2004, according to the provisions of the British Law and the First Bab of the British Law.

b) The provisions of this Law on the management and control of the Fona As the banks of the 492 are not to apply the provisions of Article 2 of the Code of Letters, if they go to the court of charge of receivables or follow-up, the provisions of all precautionary measures and precautionary foreclosures are not to be sought. The credits of the Fund and the banks of the Fund are subject to the provisions of the Law Procedural Reasoning in cases.

c) The Board, within the framework of the provisions of this article, or its shares are infeted It is authorized to take all necessary measures to strengthen and restructure the financial system of the bank, including those specified in this article about the banks.

5. A bank;

a) (2) and (3) have failed to strengthen the financial system of the financial system, whether the measures specified in the numbers of the number (2) and (3) have been completely taken, or even if the financial system is under these measures. tehlike

b) The rights of the deposit holders and the trust and stability of the financial system that will be compromised,

If the test is not available, the bank will not be able to Permission to do the operations and accept deposits with the vote in the same direction of the Board of at least five members The Council of Ministers will be removed by the Council of Ministers on the suggestion that it has taken the decision.

Savings Deposit Insurance Fund

MADDE 15. - 1. The savings deposit account in banks is insured by the Haiz "Savings Deposit Insurance Fund".

2. The resources of the Fund;

a) Your insurance premiums,

b) are the founders of the banks that are given the timely deposit, escrow, and credit,

c) installed bank of the banks the number (2) of the item (2), from the amount of the minimum capital specified in the (d) amount of the minimum capital specified on the system,

d) under the provisions of section 8 (2) of the article 8 (2), stock transfer permits, from the partners who took over the shares, the takeover If the stock price is higher or the stock market value is higher, the amounts will be incurred by a per cent of the stock exchange rate,

e) with criminal penalties for provision of the provisions of this Law. from fifty percent of the fines,

f) revenue from the Fund's revenues,

Oludağur. Funds may be indebteed to obtain permission from the Undersecretary of the Treasury.

3. The fund is exempt from all kinds of taxes, pictures and fees. Law provisions are applied on the allocation of 6183 counts of Amme, dated 21/7/1953 and dated 21/7/1953 in the allocation of any receivable funds with funding sources. The Fund is in addition to the 1050 numbered Accounting-i Hope Law, the 2886-numbered State Tender Act and the number 832 Transparency Law.

4. The Fund shall be managed and represented by the Institution within the Fund's management, which will be prepared by the Board. The fund manager is shown to be used by the Fund.

5. a) The advance may be received by the previous year's insurance premium which they paid in the previous year for future premium obligations from banks in the event that the Fund is not able to meet the need. The advance will be calculated on the rate to be determined by the Board, but is reduced to premium liabilities.

b), provided that the advance of the bank's advance in need of the advance of the bank's expense is not sufficient to At the request of the Board, the Fund is awarded the Fund by the Central Bank. The amount of interest and interest to be applied by the advance, the amount, the refunds, and the status of the Board is determined by the Board of the Central Bank.

6. a) The scope of the savings deposit, the amount, the amount of the insurance premium, the time of the allocation, the schedule of the insurance, and the decision of the Council of Ministers upon the proposal of the Board of the Board of Ministers. All banks that accept deposits are required to reinsurance the savings deposit they accept within these scope and conditions.

b) The board of directors with ten percent and more percent of the capital of a bank or board of directors or directors are based on the installed and members, general manager and judges, credit-opening officers, auditors and the savings deposit deposit in that bank belonging to the parent, father, eons and children.

c) Banks by Funds paid to the fund are considered to be charged in the detection of corporate tax mathage.

The results of doing the banking operations and acceptance of the acceptance of the deposit.

MADDE 16. - 1. If a bank is allowed to perform a bank statement and accept a deposit, the administration and its control will indent the Fona.

2. Following the release of the Office of the Cabinet, the Council of Ministers of the Council of Ministers of the Official Gazette will stop following any executive and bankruptcy requirements, including precautionary measures.

3. The fund will take measures to protect the rights of creditors and holders of creditors in the bank, which is in the interest of the administration and the audit itself. The precautionary measure or precautionary measure may be raised by the court at the request of the Fund at the request of the Fund for the goods, rights and receivances of the Bank's 17-part material, which is permitted to accept deposits and accept deposits. In this way, the precautionary measure and the precautionary foreclosures will not be subject to litigation and bankruptcy proceedings within six months from the date of the decision. The bank will not be subject to the use of bankruptcy proceedings. The bank's approval of the failure to perform and accept deposits has been removed from the date of the date of the decision. They will not be able to receive the bank's creditors, their credits, or the actions that can be done. The fund will ask the bank to deduct the bank from the bank by paying its management and supervision through a bank that has been charged with the bank or the bank that has declared itself a bank of interest. This task and the authority belong to the exclusive Fund. In this way, the bankruptcy prompt of 2004 does not apply to the second of the 178th Amendment of the British and Israeli Law.

4. If the bankruptcy decision is made clear, the Fund will deal with the bankruptcy of the bankruptcy table, and the bankruptcy administration and bankruptcy office in the 2004 number of British and Israeli Law, including the implementation of this Law, and bankruptcy office, and the bankruptcy office. It will liquidate the bank within the framework of the provisions of the Law, which is also owned by the bank.

5. The liabilities of the bank-dominated bank are paid in accordance with the cash status of the table, without the expectation that the yellow ruler, shown in article 232 of the US Code of Israel and the United States, is paid at no time.

6. In the public undetermined, the number of numbered 18 articles (2) of the bank apply the provisions of the bank.

7. Any bank-owned bank in Turkey has the authority to perform banking operations and to accept deposits for any reason, to stop the activities, to decide bankruptcy or liquidate or to declare a concordato. The provisions of this article are applied in the case of the 14th Article (5) of these banks with the provisions of the 14th Amendment. The current and credits transfer of these people is set to the Board.

8. The Fund is subject to the Articles of State of the United States of Britain and the Bankruptcy Code, which are related to the Articles of 2004, and the Law of the Bankruptcy Code, in keeping with the money in the battery of the bankruptcy table and the money that is collected by the bankruptcy administration and the money in the state of bankruptcy. The first-receipt provision of the 36 ncu of the Code of Letters, dated 2/7/1964 and numbered 492, does not apply to these coins.

9. If the Fund is in the interest of bankruptcy administration and the interests of the table, the arbitration, sulh, acceptance and waiver of any future receivemes are auscribe. In the sale of the securities and real estate, the provisions of the Law of Britain and the Bankruptcy Code of 2004 are not applied to the provisions of the Law of Public Dignity and the 2886.

Company responsibility

MADDE 17. - 1. A bank's board of directors and credit committee members and members of the general manager, general manager and general manager deputies and the officers of the bank have agreed to the bank to determine if they caused the bankruptcy of the bank. As a result of the damages they have made, the responsibility of the Board may be decided by the decision of the Board, and in the case of the Fund's claim, the court can be decided by the court. The decision and the actions were made to the management and control of the bank, or in the interest of the partners who were in the sole administration or co-operation, but also the benefit of the partners who procured the benefit. The same sentence is applied. The provisions of the 14th Article (4) of the number (4) and the provisions of the containment measures are also enforced here.

2. This article is the bank officers whose shares were identified in the fund identified by partners or shareholders whose shares were identified as the number of the 14th Article (4), and the bank officers who were counted in the number (1) of this item. is also applied to the right of the bank.

3. The Fund executes the pursuit of the judgment on the right to the court.

4. The provisions of this clause are intended to be defered by the courts of 2004, the number 257 and the following provisions of the British Law.

5. The 16 ncu provisions are also applied to the right to be slanderous according to this clause.

Transfer, union, and liquidation of banks

MADDE 18. - 1. One of the banks involved in the activity in Turkey will have one or several banks, or all of the debt, credit, and transfer of deposits to a other bank in Turkey, which is in operation in Turkey, and the Board's permission. The grant is invalid if any of the respective banks within three months of the date of the date have not passed the transfer or termination decision by the authorized bodies of the respective banks. The Central Bank may return or postpone any of its obligations to banks during the period of the decision of the Board over the decision of the handover or to the banks over the period of their company. According to the provisions of this article, the provisions of the Turkish Commercial Code 6762 are not applied in the terms of the company and the provisions of this article. The fundamental and procedural decisions of the units and the toppings are determined by a regulation to be determined by the Council of Ministers ' decision. The subsequent termination of the transfer or handover goes to the bank that inherits all the rights and debts of the delegated bank, and the transfer of the delegated bank will be deleted from the Trade Registry.

2. If they want to end their activities and liquidate the activities of the banks in operation in Turkey, the banks are expected to take the status of Turkey in the region and to receive at least two newspapers, with the holders of the creditors and the deposits and in this case. By being able to count on and to the institutions, they are entrusted with all kinds of cash and cash deposits in their hands and current account balances and liabilities, even if they are futures, in two months ' time without waiting for their maturity, and in the meantime, the owner will be able to They are obliged to deposit any deposit, escrow, escrow, and any money that is not in place. The institution keeps the devs issued by the following year by year after year to date, in order to start with the following year. These deities that are not searched within six months from the last declared date are signed up. The institution is authorized to audit the liquidations and request any documentation and information that they need.

The Banks Unit of Turkey

MADDE 19. - 1. The Bank of Turkey has to become a member of the Banks Association of Turkey within a month from the date of the receiving of the Bank's permission to operate. The purpose of this Union, which is a legal entity and a public institution, is intended;

a) to ensure the arrival of the banking profession,

b) The banks and the banking profession are required to provide the required and to ensure that the economy is playing in accordance with the needs of the economy,

c) To take all necessary measures to prevent competition between the banks,reklamlarýnda

d) in the advertisement and advertisements banks, which are the principal, the quality, quantity and quantity of the banks that are going to be By taking the appropriate vision of the Agency.

2. The Union follows the implementation of the bank and the implementation of its decision and measures, and will take the measures requested by the Agency.

3. The Union's organ by-elections are based on the principles envisioned in this Law, with secret votes and under judicial supervision. The list, which sets member installs and representatives for elections at least 10 days prior to the general assembly meeting to be held, is the meeting's agenda, location, day, time, and second meeting to be held if no longer. The election board to be determined by the Supreme Election Board, along with a written statement of the number of states, would be expressed. The judge assigns the necessary review and assigns the list and other considerations, a member of a sandwich board, and a member of two of the sandwich board members to assign them to the reserve. The voting process is made according to the secret ballot, the principles of the number of hunger. At the end of the election, the results of the election have been identified and signed by the members and members of the board of elections. Any objections to an election within two days from the arrangement of the minutes are reviewed and final by the judge.

4. The organs of the Union are shown in the Union Status, which will be held by the Council of Ministers decision on the proposal and the scope of the scope of the operation of the Board, by taking the Union's view. Banks are obliged to abide by the Union Status and the decision and measures to be taken by the Union. The Union's expenses are based on the number of votes that are identified when the Union Status is needed. Banks are required to sleep within the amount of time specified in the status of the expense amount. If the expense share is not paid within the specified period of time, the Union will be able to collect it through the executive order. Decisions on the payment of cost-of-government payments are in the case of the official document (68) of the 2004 British and British Law.

5. It can apply fines of up to one billion liras ($1 billion) to the Union's Board of Directors, on the basis of a number of general or special decisions and measures that are not fully complying with the Union. The Union informs the Fund for the record of the income, while the sentences are related to the interest. If these penalties are not paid within thirty days from the date of the date of contact, the Fund will be followed by the provisions of the Fund dated 21/7/1953 and the 6183 count of Amme Credits, according to the provisions of the Law.

Digit provisions

MADDE 20. - 1. The Council of Ministers;

a) to identify the maximum or proportion of the banks that they will be able to apply with the maximum interest rates they will be able to apply in lending and deposit acceptance of the banks, to identify the maximum or proportion of the interests that are not. or release completely,

b) to set up funds for the purpose of the removal of loans, to stay, to remove, to interest with interest or surefire from interest to the credits,

Authority. The Council of Ministers may transfer their authority (a) to the Central Bank of the Central Bank.

2. Banks that do not accept deposits are numbered 10, (3), (4), (2), (3), (3), (4), (4), (7), (7), (7), (7), (7), (7), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8), (8) and 15 (excluding 2/c, d, and e bents The capital amount due to the installation of these banks cannot be less than two-thirds of the amount specified in the (d) of the number (d) of the number 7 clause (2). These banks do not count the money deposits from banks and their own future savings.

3. Except for the provisions of Article 21, 22 and 23, each of the monetary amounts in this Kanal and the amount required by each year, every year, the company or the total price of the wholesale price index, which was opened by the State Institute of Public Health, required twice as required. It can be increased by the board decision not to cross the line. The maximum fines of the Articles 21, 22 and 23 of this Law, valid from January each year, will be increased by increasing the amount of 213 Tax Procedural Laws to be determined in accordance with the Article 298 of the Code of Tax. will be applied over the amounts to be found.

4. The banks, which do not document their identities and their tax identification numbers, will not be able to document their documents, credit and, say, account opening, verbal arrangements, remittance and humbiyo services, and financial services. It is forbidden. The basis and procedures for the implementation of this fund are held by the Minister of Finance. For those who do not comply with this fikra provision and the regulations made by the Ministry of Finance, the implementation of Article 5 of the Code 4358, dated 2/4/1998, is in accordance with the order of the prosecution, which is determined in Article 24 of this Law.

5. The installation and operation of the financial services of the banks is not related to the provisions of this Law. It is organized by the Council of Ministers on the installation, activities, organs and liquitations of these institutions, and whether the 6762 Turkish Trade Law and other legislation of the Turkish Trade Law or other legislation is in order for the right to attract the right to the Czech. The regulation of the Turkish Commercial Code of 6762 and the relevant law provisions of 6762sayýlý

Israeli crime and penalties

MADDE21. - 1. 2 billion liras,

a), the portion of the permit for the number 8 (2) portion of the portion of the disallowed portion of the number of numbered 8) b) is ten billion liras (or 3) from the date of the settlement of five billion lire and cezilin, if the number of 9 (2) and (3) is to be reasserted or (5) plays in the forbidden tasks of the number of people specified in the country's (5). after the end of this period, if no longer expenses are taken ten billion lira,

d) 10 (2) of 10 billion lira,

d) in the amount of ten per cent of the per day,cezanýn

c), in which the 9th clause (6) is opened and the number of people is open. a billion liras (2), (2), (3), (7), (7) and (8) failure to comply with credit lines in any case where the fund does not meet the liability of the liability in the case of an obligation in the one per cent of the amount and (9) the number of credit bans in the number of numbers (9) are not to be obeying the percentage of the loan,

f) should be allocated to the number 11 (11) of a billion lira,

g) the number 11 (12) of the amount that is required to be separated by the number (12). If they are not installed, less than a million pounds, two per thousand of the required amount of money to be allocated, but not less than three months, but not to be unestablished within the amount of time that the Agency will be disburnable. in the amount of 3% of the amount,

h) the number of the 12 nci (1) If a percentage of restrictions and restrictions are not addressed in a year from the date of the default, the percentage of the monthly and less than two billion dollars is not to be fixed. Amounts to less than two billion liras (or less than two billion), in the amount of one per day,yasaklama

, 2) of the 12 nci clause (2) of the amount issued for each day until the end of the month of the break-up of the monthly expense. But not the subject of prohibition and disinflation of the subject of prohibition and prohibition. One percent of the total cited daily from the end of this term until the end of this period, except for the departure from the end of the loan, is the result of a failure to remove the monthly allocation from the date of the month. in the amount,

j) the number (1) of the number (1) of the number 13 (1) and 3 billion liras (2) and (4) in violation of number (4), 3 billion lire,

k) under the number (1) of the number (1) whether to receive or grant or receive interest in the decisions and regulations in place in the case of interest, for less than a billion,olmamak

l) based on its articles, the Council of Ministers and the Institution based on the decisions made by the Council of Ministers and the Establishes, A billion liras,

An Israeli monetary penalty is imposed if they do not comply with regulations and other regulations.

The defense of the relevant bank prior to the implementation of the monetary fines. Defence is denied the right of defence if no defence is issued within one month from the date of the article of the article. In the case of a repeat of the verbals that require the issuing of fines, the amount of money issued, excluding periodical and proportional punitive penalties, is double, second and subsequent repetition, by three times the sentence. In the case of the same period that requires two years to be issued by these penalties, the prior sentences are not remediated. Fines are issued from one hand to the relevant bank, but are reported to the Fund for collection and revenue record from the other.

2. The right to apply a penalty for this item is due to a full time period from the date of the month of the month of the month of the month.

3. While it has been passed on to repel the law on charges of criminal charges in the number 22 of this Law (1), it is temporary for governors and governors of governors at the request of the Council, which has been withheld by the decision of the Board. The advertisements and advertisements are stopped or collected as they are closed as they are. This provision is also applied to the right and representation of the 9th clause (6) in the dormitory as part of the number of people.

Additional crime and penalties

MADDE 22. - 1. The bank's bank statements, whether approved or accepted by the bank, or trade titles, advertisements and advertisements or made public statements, are accepted by the bank, and use bank names to make public statements, and accept deposits. The people who used the statements and statements that use the statements and statements that will create the bank's impression of their sanctions will create the monitoring of banks, and fines of up to three more than three billion liras in fines of up to five billion liras in prison and three billion liras ($325 billion). They'll be punished. Upon the request of the Board, the court is decided by the court to stop or collect the advertisements, advertisements, and advertisements temporarily or not to exceed a year.

2. The number 10 clause of this Law (3) has a number of banks stationed or related to the banks or related members of the bank, which prevents deposit holders from getting their deposits back, and more than two months from under the registration of the bank. Fines.

The number of banks that do not comply with the provisions of Article 14 of this Code will increase from two billion lira to more than two billion liras in accordance with their duties and interests and their degree of self-folding. Along with the fines, he faces up to four years in prison. They'll be punished. As much as these verbs are due to the administration and control of the bank, or to the partners or partners that hold sole or co-existing partners, or if they are intended to benefit from the installation and installation of these verbs. these benefits, including not less.

3. The bank's board of directors and its members and members of the other members, including their duties, or their protection, control or their responsibilities to the bank's money or sair barrel embezzings, are twelve years old. They will be compensates for the damage to the bank, as they will be sentenced to a prison sentence of up to a year. The crime, shown in the show, would cheat the bank and reduce the amount of money in prison and damages up to three times, including no more than twelve years of being committed by engaging in any fraudulent activity that would have caused the verb to open. is given. If you do not pay for damages, you will be required to make the court a retrial. The sentence will be reduced by a third if the damages were completed before the damages were made, and a third of the penalties will be reduced by a third before the payment is due.

4. More than three years from a year, authorized authorities and supervisory workers shown in this Code will not provide information and documents, or those who do not provide documents with real people who are prevented from doing their duty. prison and a fine of up to three billion liras ($1 billion) in fines. The penalties specified in this receipt are also applied to the right of the banks that do not comply with the obligations set forth in the number (5) of the 13th clause (5).

5. The fact that the banks are in documents with the authorities shown in this Law, with the documents they have addressed to the control officers, courts and other official agencies, are the actual statements made in the documentation that are made in the documentation or the actual. Whether or not they were able to cover their balance sheets with legal and judicial books and records, people, and correspondents at home and home, and their balance sheets were closed, or their balance sheets. Those who have signed all kinds of documents based on their arrangement are their duty and interest. They are fined for up to three years in prison and three billion lira from a year, according to the de facto levels.

6. The fines of up to two billion liras in prison and a billion lira from one year to two years in prison for those who deliberately cause or damage the reputation or fortune of a bank, or those who have been on the road, are willing to spend more than two billion liras in prison and a billion liras. It will be ruled out. Up to three years in prison if the verb was dated 15/7/1950 and 5680 was identified in the Basque Law, or used with one of the radio, television, video, internet, cable or electronic information communications tools and similar broadcast vehicles. And it ' s going from two billion lira to four billion liras in fines. Even if they do not specify the signs, they are publicly hesitant about the credibility of the banks, which can cause the banks to be negatively affected by their financial system, with the two billion people who spread the news with the specified tools. Fines of up to four billion liras are given to the lira.

7. The implementation of this Law and its implementation under the supervision of the implementation of the duties of the banks, whose duties and duties are authorized by the authorities and their specific laws are authorized by the laws of this Law and its special laws. They cannot, nor can they use their own benefits. This obligation will continue after they are relieved of duty. For those who do not comply with this obligation, a maximum penalty of up to three years of imprisonment and no less than two billion lira is required.

8. Members of the banks and other officers, whose actions they are associated with with the incident and their duties, cannot open their bank or their client's insiders to the authorities in this regard as they are legally authorized. This obligation will continue after they are relieved of duty. It faces up to three years in prison and no less than one billion lira for the identified part of the provision of this clause. The same penalties are the third ones that open the bank and its regulars. is applied. For the follow-up and control of the loans, the main activity is related to the financial and capital markets, which are insured by the money and capital markets and the financial institutions operating in accordance with the special laws of the financial institutions. bilgi

9 if you have information to be installed on the company or at least ten institutions. (7) and (8) if they open up the numbers to benefit the software, if they open it for themselves or for their sake, it will be sentenced to three years of imprisonment and no less than three billion lira, but not less than three billion liras ($1). according to the importance of the verb, it is either temporary or continuous to be prohibited from serving under the scope of this Law.

10. According to this Law, the act of criminal acts and verbs, according to law enforcement, is the law that requires the most punishment of the perpetrators. 6762 provisions requiring the responsibility of the Turkish Trade Law.

Privileges

MADDE 23. - 1. Dated 14/1/1970 and the number 1211 of the Central Bank of the Republic of Turkey, paragraph 4 (II) of the Central Bank of the Republic of Turkey, did not comply with the name of the numbered paragraph (d) of the Republic of Turkey to the 52 nci regulations; the number of the article number 40 (II) was issued to the public at the time of the About those responsible for banks, institutions, and organizations that do not plant or point out during the period of time identified for their digital and deposit decisions, or (c) they do not comply with the Central Bank's decision to adjust to the Central Bank. Penalties of up to one billion lira per million liras.

2. The provisions of Article 43 and 44th of the Central Bank of the Republic of Turkey, numbered 43 and 44, apply the provisions of Article 22 (4) and (5) to the right of those responsible if not to meet the obligations.

3. The fact that this Article (1) and (2) is not to be prosecuted by the provisions of the Fükra; notifying the law of the Central Bank; and in other cases, the Republic and the Republic by the Institution of the Republic. Writing to the prosecutor has been reported.

4. Those who are moving to the 35th article of the Central Bank of the Republic of Turkey, number 1211, are punished when the number of 22 items (7) and (9) are required.

5. The following laws are made to the relevant provisions of Law 3182 in other Laws.

Collection of fines and fines

MADDE 24. - 1. The sentences stated in this Law include the establishment of the Republic of the Republic of the Republic of the Republic of Turkey. With this visit, the Enterprise will also earn the execution at the same time.

2. If the Commonwealth prosecutors decide that they are not involved in the firing, the Institution is entitled to these decisions, dated 4/4/1929 and 1412, according to the Criminal Procedure Code of Procedure.

3. The rights of the 22 nci items (6), (8) and (9) have the right to file charges for crimes written in the number of numbers (9).

4. The cases to be opened according to the provisions of the Criminal Procedure Code dated 8/6/1936 and the number 3005 in the courts at the location of the headquarters of the relevant bank.

5. The fines shown in this Code are collected on 21/7/1953 and 6183 are collected by the tax agencies when they have the provisions of the Law on the Allowance of Amme Payee. In fines, the liability of tentimes is dated 29/6/1956 and 6762 is determined according to article 65 of the Turkish Commercial Code.

Remained and deemable provisions

MADDE 25. - 1. In addition to the Banks Act of 4/25/1985 and the Banks Act of 3182, the attachments and deems are in effect.

2. The provisions of the Department of Treasury and the Undersecretary of Commerce, dated 9/12/1994 and the Undersecretary of Foreign Trade and the provisions of the Law on the Rights of the Code, are in effect the current provisions of the duties and powers held in this Law.

3. Dated 14/1/1970 and the number 1211 of the Central Bank of the Republic of Turkey, the 4th article (I/j) was the number of Article 22 (14), the third and fourth fives of Article 43 were in effect, the 4th article (III/c) and the 44th In addition,maddesi

The bank's installation permits and, of these, the authority to make a decision on the liquidate of the provisions of the government before the decision is reached.

Article 44-Bank, in Turkey The Risk Center, with the intention of collecting the risk statuses of banks, private financial institutions, financial leasing companies, factoring companies, financing companies and other such financial institutions that will be considered bank-eligible. install.

The above institutions are obligated to give all the information that the bank wants from their risk situations in accordance with the bank's instructions and in accordance with the standards.

Risk All business and records of its headquarters are confidential, and the bank can only allow the above institutions, their regulars or loan aspirants to risk their risk status. Information retrieval and export are indicated by regulations.

The protests they are at the bank of the banks are collected at the bank. The total number of meetings and announcements are identified by the Bank of the Banks of Turkey.

INVALID DATE 1. - A) The members and members of the Board are appointed within three months from the date of the effective entry of this Law. At the end of the second year, two members to be determined as a result of the courier at the end of the second year, and at the end of the fourth year, replace the two members who will be determined as a result of the draw from the remaining members, in accordance with the provisions set out in this Law. structure.

b) The Enterprise will be operational at the latest time, starting from the date that the President and the members are assigned. The Board, by the time the Agency becomes operational, is involved with the Undersecretary of the Treasury, the Agency's review, its activities, and the implementation of this Law on the issues and regulations that enter the field of duty to the relevant authorities. make recommendations, including making suggestions, and making recommendations. During this time the Board's services are fulfilled by the Fund

c) The duties and powers provided to the Institution or the Institution by this Law until the date of operation of the institution, according to the interest, the Banks of 3182. The Council of Ministers, Minister, Undersecretary of Treasury, and banks are under oath, and the assistance is continued to be used by the Central Bank and the Savings Deposit Insurance Fund. 3182 The authorities regarding the regulations that are not included in the Banks Act and those relating to this Law are used by the relevant Minister until the institution is operational.

d) The board of the board of the Board of Treasury is installed. They're ready for the budget. To address the costs of this budget, banks will pay in onbed days from the default of the 1998 balance sheet totals in the framework of the basis on the basis of the basis on the basis of the basis of the basis of the 6-point balance sheet. For the first two years, the Council of Ministers is authorized to increase the rate specified in the number of numbers 6 (3) up to two times the number of the number of articles. The implementation of the budget is carried out to the Convention. Fees, financial rights, and expenses of the Board members will be met by the Fund until the budget of the Board is effective.

e) The undersecretary of the Treasury, under the Board of Sworn Charges, and the banks are sworn-in, The employees of the Board of Staff and the other staff of the Board of Banks are transferred to the Institution, where no need for an action is required at the time the Agency is operational. The Undersecretary of Treasury and the Central Bank's personnel related to the implementation of this Law will be transferred to the Institution by registering to receive the muvafakate. The effective date of the law is that the Undersecretary and the Central Bank are in charge of the implementation of this Law, due to the fact that it is in the country of the institution of the institution or the international establishment that is in charge of the international institutions. The rights of those who are free of charge for either military or military or military reasons, are saved. Rights that are not used within a year from the date of the effective date of the law are invalid. Until sufficient personnel are required by the non-Muvacafold personnel, and not exceed two years, 657 are temporary in the process of additional 8 and additional 9 provisions of the State Officers Act. can be deployed.

f) At least three years of service between the Treasury and the relevant personnel to be transferred from the Central Bank, among those who have done enough to manage and prepare for the next week of the Found, banking expert, less than three years of service, banking expert. It is assigned as its help. The times they came from the institutions they came from were the banking experts and the expert help. The terms of the delegated and transferable personnel, which are assigned to the institutions from which they are assigned, will be considered in the future of these obligations.

g) By the section of this Article (e) Staff members who have been transferred from the Undersecretary of the Treasury to the Board of Circassians have been revoked, with no need for any action, including the 190 Code of Law and a portion of the ruler's Treasury. If you don't, it will be a little bit.

INVALID DATE 2. - ) The decree of the Code continues to be based on the provisions of the ordinance, until the regulations and the provisions are effective, and continue to the implementation of the provisions of this Law that are still in effect. olunur

b) Banks are required to comply with this Law within a year following the date of the current entry of this Law.

c) The effective date of this Law is in operation The management and control of the banks that are being shown are either directly or indirectly. In compliance with the provisions set forth in the fund of article 8 (2), of the compliance with the provisions of the stock and acquisition of the stock that led to the equity group to be passed to the capital group, the number of the bank paid capital of the article (2) of the article (2) increases to the amount. If the paid capital is not raised to the amount specified in the article number 7 (2) within one year from the date of permission of the circuit, the partners who take over the shares may not benefit from the common right of the partner except dividend. In this case, the other partner rights are used by the Fund.

d) The rights of the number 9 (1) to the members of the financial members continue to do so in their current state of duty at the effective date of this Law. as long as they arefaaliyet

e) the new banks operating as of the effective date of this Law, unless they increase the amount of number 9 (6) of the bank (s) of the current bank they cannot open.

f) Banks, this is the date the Law has entered They must first comply with the loans and their obligations in four years to comply with the provisions of this Law.

g) The ratio of the number 11 (3) to the number (a) is the effect of this Law. From the end of the twenty-fourth to the end of the twenty-fourth month, it was 70 percent from the end of the twentieth month, from the end of the thirteenth month to the end of the second month, from the end of the second half to the end of the second month, from the end of the second month to the end of the second year. sixty per cent by the end of the month, from the end of the ellifourth month to the end of the percent.

h) Banks are required to comply with the provisions of this Law by 31/12/2000.

i) By banks, 3182 are the Banks Act of 3182 The balances in the "Whistleblower Damages" account, which have been allocated when the number (1) clause is required, are transferred to the "Human Auxiliary Ects Account".

j) The banks that were bankrupt prior to the release date of this Code The liquidation of the embankment is to be saved with the record, the insolvency administrations are carried out by the provisions of this Law. In the implementation of this Article, bankruptcy administrations are entitled to the Fund in the 4th, 8th and 9th terms of the 16 articles of this Law, and the case and conduct of bankruptcy administrations shall be filed under Section 2 of the Code of Letters of 492. There is no need for collateral in any precautionary measures and precautionary foreclosure requests, such as not being implemented. Prior to the date of this Law, dated 25.4.1985, dated 23.8.1993, dated 23.8.1993, and with the decree of the third party of the 64th Amendment, which was in effect with the decree of the Law. Continue to be applied.

k) The proportional penalties for the 21st clause of this Code are applied in the sentence of half of those specified in the item by the end of 2000.

l) Prior to the date of publication of this Law, the provisions of the management or shares of the 14th Amendment are also applied to the banks. The Board is authorized to take any necessary measures, including those specified in the clause, to recover and restructure the financial assets of these banks.

NOT SUPERSEDE 3. - The liquidation of the liquidated muflis Turkey Tourism Yatrüm and Dük Commercial Bank A., Marmara Banbani A. and Türkiye Küzkulat and Israel Bank A. The sum of the savings deposit accounts in Turkish Lirasas belonging to a real person in the banks of the banks, the sum of the sum of the deposit accounts, the funds raised by the Fund under the insurance, or the payments made by the Fund, after the payment of the savings deposit. The balance of the balance of the banks up to one billion Turkish liras, the banks ' banking In the history of the current Central Bank exchange rate, the current Central Bank will be calculated on the exchange rate of the current Central Bank and the Turkish Liras, which will be calculated on the exchange rate of the current Central Bank, over the amount of time that the Bank of America will be calculated on the issue of foreign currency. They are paid to account holders by the Fund.

Saving the savings account to a billion Turkish Liras (s) specified above the accounts of the exchange of interest, banks of banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks on the date, the current Central Bank is based on foreign exchange rates.

The payment of payments is determined by the Fund.

The Fund has to do with the payments made within the framework of the above It will be used to receive the privilege of bankruptcy desks.

Effective

MADDE 26. - The 14th Amendment of this Code and the Provisional 2 clause (l) will take effect on 11.06.1999, and the other provisions are effective on the date of release.

Execution

MADDE 27. - The Council of Ministers executes the provisions of this Law.