PARTICIPATION ACCOUNTS. Katılma hesabı; katılım bankalarına yatırılan fonların, katılım bankası tarafından kullandırılmasından doğacak kâr veya zarara katılma sonucunu veren, karşılığında hesap sahibine önceden belirlenmiş herhangi bir getiri ödenmeyen ve anaparanın aynen geri ödenmesi garanti edilmeyen vadeli hesaplardır.
PARTICIPATION ACCOUNTS. 4.1 Participation accounts are forwards accounts which do not have any pre-determined return on account of the funds deposited in the participation banks and which result in profit or loss participation arising from the disbursement of funds by the participation bank and in which repayment of the principal is not guaranteed.
4.2 BSA; has the force of profit and loss partnership agreement as set out in the relevant regulation for accounts based on profit and loss partnership, and of the investment agency agreement as set out in the relevant regulation for accounts based on investment agency. The account based on the investment agency may be opened for the persons specified in the relevant legislation.
4.3 Participation accounts opened based on profit and loss partnership and based on investment agency are operated in separate fund pools. The Parties agree that fund pools that are opened for the participation accounts based on investment agency may be combined, split, liquidated at maturity and transfers may be made between the pools provided that it is in compliance with the relevant legislation.
4.4 The Customer accepts that he/she grants the Bank general authority without any limitation to use the funds in the accounts based on investment agency.
4.5 The right to request of Customer and the Bank's obligation to pay is up to the unit account value valid at the maturity. Unit account value in participation accounts based on investment agency is limited to the sum of amount deposited and the estimated profit. Unit account value is calculated according to the relevant legislation provisions. The profit achieved over the estimated profit is fully owned by the Bank.
4.6 Participation accounts may be opened in any term and type permitted by the legislation. Amounts may be deposited in the cumulative participation accounts on a monthly or quarterly basis. In addition, the Bank may establish private fund pools within the framework of the relevant legislation, regardless of
4.8. Banka, hesap açılışı ve/veya hesapta kalabilecek bakiye için asgari bir tutar belirleyebilir, bunları değiştirebilir. Bakiyenin herhangi bir nedenle asgari tutarın altına düşmesi halinde, Müşteri’nin talebi gerekmeksizin Banka, ilgili bakiyeyi özel cari hesaba aktarabilir.
4.9. Katılma hesabı kaynaklı kullandırılan kredilere/fonlara ilişkin; kredi komisyonu, tahsis ücreti ve sair masraf, ücret, prim, komisyon, yine vadesinde ödememe durumunda gecikme cezası, gecikme kâr payı ile zorunlu kar...
PARTICIPATION ACCOUNTS. 4.1 Participation accounts are forwards accounts which do not have any pre-determined return on account of the funds deposited in the participation banks and which result in profit or loss participation arising from the disbursement of funds by the participation bank and in which repayment of the principal is not guaranteed.
4.2 Customer's right to claim is the amount
4.3 Participation accounts may be opened in
4.4 The value date is the first business day
4.5 The bank can determine a minimum amount for the account opening and/or the balance remaining in the account, and can change these. If the balance falls below the minimum amount for any reason, the Bank may transfer the relevant balance to the special current account without the request of the Customer.
4.6 With respect to credit commission for provided loans/funds originated from participation account; allocation fees and other expenses, fees, premiums, bank charges, penalty of delay in case of non-payment at maturity, the income received due to default profit share and required reserves and the income collected under other names will not be considered as profit share income in calculating the unit value of participation account shares, that these will be collected and registered as Bank revenue.
4.7 Without prejudice to the provisions of article 144 of the Banking Law, the Bank may freely determine the profit and loss participation rates arising from the operation of participation accounts within the framework of the relevant
4.10. Müşteri, hesapların, vadenin tatile gelmeyecek şekilde açılmasını talep ve kabul etmiştir.
4.11. Banka, çeşitli vadelerde toplanan katılım fonlarını birlikte kullanma hakkına sahiptir. Bu halde her vade grubu, kâr ve zarardan katkısı oranında pay alır. Müşteri, ancak kendi vade grubuna isabet eden kâr dağıtımında hak sahibi olur.
4.12. Hesapların işletilmesinden doğan kâr veya zarar, para cinsi bazında her vade grubunun toplam katılma hesabı içindeki ağırlığı oranında, ilgili mevzuat çerçevesinde bu hesaplara dağıtılır.
4.13. Kural olarak Müşteri, hukuki ve fiili bir engel olmaması kaydıyla, mevcudunu kısmen veya tamamen ancak hesabın vadesinde çekebilir.
4.14. Müşteri’nin, vadeden önce çekim yapabilmesi ise ancak, en az 30 gün önceden Banka’ya yazılı olarak ihbarda bulunması ve yine Banka’nın onayı ve kabulü halinde mümkündür. Banka, ihbar olmaksızın veya ihbar süresi dolmaksızın da dilerse vadeden önce ödeme yapabilir, bu Banka’ya aynı şekilde işlem yapma yükümlülüğü yük...