{"id":1428,"date":"2022-02-15T09:47:42","date_gmt":"2022-02-15T06:47:42","guid":{"rendered":"https:\/\/www.cigdemguven.com\/genel\/green-asset-ratio\/"},"modified":"2022-08-11T15:22:19","modified_gmt":"2022-08-11T12:22:19","slug":"yesil-varlik-orani","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/genel\/yesil-varlik-orani\/","title":{"rendered":"Ye\u015fil Varl\u0131k Oran\u0131"},"content":{"rendered":"

{“main-title”:{“component”:”hc_title”,”id”:”main-title”,”title”:””,”subtitle”:””,”title_content”:{“component”:”hc_title_empty”,”id”:”title-empty”}},”section_QvNqz”:{“component”:”hc_section”,”id”:”section_QvNqz”,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”section-color no-padding-bottom no-padding-top “,”custom_css_classes”:”containerblog”,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”P1FCZ”,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:”boxed-area align-items-center “,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_title_tag”,”id”:”5ZtkF”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Ye\u015fil Varl\u0131k Oran\u0131”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2021\/10\/cigdem-guven-yesil-varlik-1024×714.jpg|753|1080|1425″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”Ye\u015fil Varl\u0131k Oran\u0131”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2021\/10\/cigdem-guven-yesil-varlik-1024×714.jpg”,”link_content”:[],”lightbox_size”:””,”scrollbox”:false,”icon”:””,”image_animation”:””,”icon_animation”:””,”thumb_size”:”full”,”icon_hidden”:true,”caption_img_box”:””,”alt”:””}]}],”section_settings”:””},”section_aSGAU”:{“component”:”hc_section”,”id”:”section_aSGAU”,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”no-padding-bottom no-padding-top “,”custom_css_classes”:”blogtext”,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”column_0qrhK”,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_wp_editor”,”id”:”gE6EW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”editor_content”:”S\u00fcrd\u00fcr\u00fclebilir finans, g\u00fcn\u00fcm\u00fcz \u015fartlar\u0131ndan bak\u0131ld\u0131\u011f\u0131nda gelece\u011fe yap\u0131lan yat\u0131r\u0131mlar aras\u0131nda \u00f6nemli bir yere sahiptir. Finans kurumlar\u0131n\u0131n ye\u015fili koruma ve do\u011fal kaynaklar\u0131 muhafaza etme hedefiyle ger\u00e7ekle\u015ftirdi\u011fi uygulamalar bu kapsama girmektedir. D\u00fc\u015f\u00fck banka masraflar\u0131, \u00e7evre dostu kaynaklar\u0131n kullan\u0131m\u0131 ve \u00e7evreci kurulu\u015flara ba\u011f\u0131\u015flar gibi uygulamalar sayesinde m\u00fc\u015fterilerin daha \u201c\u00e7evreci\u201d finansal \u00fcr\u00fcnlere y\u00f6nlendirilmesi hedeflenmektedir.\\n\\nBankac\u0131l\u0131k sekt\u00f6r\u00fc s\u00fcrd\u00fcr\u00fclebilir gelece\u011fi in\u015fa etmek ad\u0131na \u00f6nemli \u00e7al\u0131\u015fmalarda bulunmaktad\u0131r. Bu \u00e7al\u0131\u015fmalar titizlikle denetlenmekte ve geli\u015ftirilmektedir. \u00c7evresel s\u00fcrd\u00fcr\u00fclebilirlik faaliyetleri kapsam\u0131nda Avrupa Bankac\u0131l\u0131k Otoritesi taraf\u0131ndan \u201cYe\u015fil Varl\u0131k Oran\u0131\u201d<\/strong> temel performans g\u00f6stergelerinden biri olarak belirlenmi\u015ftir.\\n\\nT\u00fcrkiye Bankalar Birli\u011fi\u2019nin yay\u0131nlam\u0131\u015f oldu\u011fu raporda Ye\u015fil Varl\u0131k Oran\u0131, \u201cKredi verenin bilan\u00e7osundaki toplam varl\u0131klara k\u0131yasla iklim dostu kredilerin, avanslar\u0131n ve bor\u00e7lanma senetlerinin miktar\u0131n\u0131 y\u00fczde rakam\u0131na ula\u015facak bi\u00e7imde \u00f6l\u00e7ecek bir temel performans g\u00f6stergesidir.\u201d \u015feklinde tan\u0131mlanmaktad\u0131r. Avrupa Bankac\u0131l\u0131k Otoritesi \u00f6nerisi \u0131\u015f\u0131\u011f\u0131nda ye\u015fil varl\u0131k oran\u0131 \u00f6l\u00e7\u00fcmlemeleri Avrupa Birli\u011fi\u2019ne mensup \u00fclkelerdeki bankalar\u0131n y\u0131ll\u0131k raporuna dahil edilecektir.\\n\\n2022 y\u0131l\u0131 itibariyle ba\u015flamas\u0131 \u00f6ng\u00f6r\u00fclen bu uygulama banka b\u00fcnyesinde y\u00fcr\u00fct\u00fclen faaliyetlerin s\u00fcrd\u00fcr\u00fclebilir olup olmad\u0131\u011f\u0131n\u0131 anlamak a\u00e7\u0131s\u0131ndan kilit noktalar i\u00e7ermektedir.\\n\\n\u201cYe\u015fil Varl\u0131k Oran\u0131, banka portf\u00f6y\u00fcndeki krediler ve avanslar, bor\u00e7 senetleri, \u00f6z sermaye ara\u00e7lar\u0131 ve geri kazan\u0131lan gayrimenkul garantileri dahil olmak \u00fczere, finansal ve finansal olmayan \u015firketleri (KOB\u0130’ler, hanehalklar\u0131 ve yerel y\u00f6netimler \/ belediyeler) de i\u00e7eren t\u00fcm riskleri kapsayacakt\u0131r… Bankalar ayr\u0131ca, dan\u0131\u015fmanl\u0131k hizmetlerinden, b\u00fcy\u00fck ticaret i\u015flemlerinden ve bilan\u00e7o d\u0131\u015f\u0131 risklerin ne \u00f6l\u00e7\u00fcde iklim dostu faaliyetlerden kaynakland\u0131\u011f\u0131n\u0131 g\u00f6steren \u00fc\u00e7 farkl\u0131 g\u00f6sterge daha yay\u0131nlamak zorunda kalacaklard\u0131r.\u201d T\u00fcrkiye Bankalar Birli\u011fi\u2019nin yay\u0131nlad\u0131\u011f\u0131 raporda ge\u00e7en bu ifadeden anla\u015f\u0131laca\u011f\u0131 \u00fczere ye\u015fil varl\u0131k oran\u0131, bankalarda ger\u00e7ekle\u015ftirilen s\u00fcrd\u00fcr\u00fclebilirlik faaliyetlerinin tek bir uygulama etraf\u0131nda toplanmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7ecektir.\\n\\nBa\u015flang\u0131\u00e7ta, bankalar\u0131n ye\u015fil varl\u0131k oranlar\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131 beklenen bir tablodur. Bu hususta Avrupa Bankac\u0131l\u0131k Otoritesi taraf\u0131ndan May\u0131s 2021’de yay\u0131nlanan raporda, 29 AB bankas\u0131ndan olu\u015fan bir \u00f6rneklem i\u00e7in ortalama %7,9 Ye\u015fil Varl\u0131k Oran\u0131 tahmininde bulunmu\u015ftur. Oran\u0131n bu denli d\u00fc\u015f\u00fck olmas\u0131nda bankalar\u0131n kontrol\u00fc d\u0131\u015f\u0131ndaki etkenlerin de bulundu\u011funu da g\u00f6z \u00f6n\u00fcnde bulundurmak gerekmektedir. AB taksonomisi b\u00fcnyesindeki\\ns\u0131n\u0131rland\u0131rmalar, hen\u00fcz kapsama al\u0131nmayan sekt\u00f6rlerin hesaplamaya dahil edilmemesi bu etkenlere \u00f6rnek verilebilmektedir.\\n\\nBankalar\u0131n ye\u015fil varl\u0131k oran\u0131 hesaplamalar\u0131nda b\u00fcy\u00fck bir titizlik g\u00f6stermesi gerekmektedir. Herhangi bir sebepten \u00f6t\u00fcr\u00fc banka taraf\u0131ndan bildirilen ye\u015fil varl\u0131k oran\u0131n\u0131n hatal\u0131 oldu\u011funun anla\u015f\u0131lmas\u0131 halinde banka \u201cye\u015fil y\u0131kama\u201d riskini beraberinde getirecektir. Bu gibi durumlar\u0131n \u00f6n\u00fcne ge\u00e7mek i\u00e7in verilerin toplanmas\u0131 ve incelenmesinde olduk\u00e7a sistematik bir yol izlenmesi gerekmektedir. Bankalar bu ba\u011flamda olduk\u00e7a \u015feffaf bir tutumda ilerlemelidir. \u00d6zellikle ye\u015fil varl\u0131k oran\u0131 uygulamas\u0131n\u0131n ger\u00e7ekle\u015ftirilece\u011fi ilk y\u0131llarda \u015feffafl\u0131\u011f\u0131n sa\u011flanmas\u0131 kritiktir. Oran hesaplamas\u0131nda kullan\u0131lan verilerin s\u0131n\u0131rl\u0131l\u0131\u011f\u0131 ve kalitesi, ye\u015fil varl\u0131k oran\u0131n\u0131n y\u0131llar i\u00e7indeki de\u011fi\u015fimi ve bu de\u011fi\u015fimin sebepleri gibi hassas noktalara de\u011finmeleri ge\u00e7i\u015f s\u00fcrecini h\u0131zland\u0131racakt\u0131r.\\n\\nT\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00f6zellikle ge\u00e7ti\u011fimiz y\u0131llarda ye\u015fil finansman uygulamalar\u0131nda ivme yakalam\u0131\u015ft\u0131r. \u0130nternet bankac\u0131l\u0131\u011f\u0131 uygulamalar\u0131n\u0131n yayg\u0131nla\u015fmas\u0131, elektronik faturaya ge\u00e7i\u015f gibi d\u00fczenlemeler verilebilecek \u00f6rneklerin sadece k\u00fc\u00e7\u00fck bir k\u0131sm\u0131d\u0131r. TCMB taraf\u0131ndan May\u0131s 2021\u2019de yay\u0131mlanan Finansal \u0130stikrar Raporu\u2019nda belirtildi\u011fi \u00fczere bankac\u0131l\u0131k sekt\u00f6r\u00fc, covid salg\u0131n\u0131n\u0131n ba\u015flang\u0131c\u0131ndan itibaren toplamda 1,8 milyar dolarl\u0131k ortalama 5 y\u0131l vadeli s\u00fcrd\u00fcr\u00fclebilir ve \u00e7evreci tahvil ihrac\u0131nda bulunmu\u015ftur. \u00d6zellikle salg\u0131n zaman\u0131nda elde edilen bu sonu\u00e7lar T\u00fcrkiye\u2019de s\u00fcrd\u00fcr\u00fclebilirlik ve ye\u015fil bankac\u0131l\u0131\u011f\u0131n gelece\u011fi i\u00e7in olduk\u00e7a \u00f6nemli bir istatistiktir. Ye\u015fil varl\u0131k oran\u0131 uygulamas\u0131n\u0131n T\u00fcrkiye\u2019de \u00e7\u0131karaca\u011f\u0131 tablonun uygulamaya tabii tutulan di\u011fer \u00fclkelere k\u0131yasla u\u00e7 bir tablo olmayaca\u011f\u0131n\u0131, yukar\u0131da belirtilen oran tahminlerinin \u00fclkemiz i\u00e7in de ge\u00e7erli oldu\u011funu s\u00f6ylemekte fayda vard\u0131r. Ancak unutulmamal\u0131d\u0131r ki bir temel performans g\u00f6stergesi olan ye\u015fil varl\u0131k oran\u0131, ye\u015fil finansman ve s\u00fcrd\u00fcr\u00fclebilirlik uygulamalar\u0131n\u0131n tek \u00f6l\u00e7\u00fct\u00fc olarak g\u00f6r\u00fclmekten ziyade \u00f6nemli bir indikat\u00f6r olarak de\u011ferlendirilmelidir. S\u00f6z konusu bankan\u0131n \u201cye\u015filli\u011fi\u201dnin belirlenmesinde bir b\u00fct\u00fcn\u00fcn par\u00e7as\u0131 olarak ele al\u0131nmal\u0131d\u0131r.\\n\\nYe\u015fil varl\u0131k oran\u0131 g\u00fcncel bilgiler \u0131\u015f\u0131\u011f\u0131nda ele al\u0131nd\u0131\u011f\u0131nda ye\u015fil finansman uygulamalar\u0131n\u0131n takibinin ger\u00e7ekle\u015ftirilmesinde ve nicelik bak\u0131m\u0131ndan\\nk\u0131yaslamalarda \u00f6nemli bir yere sahip olacakt\u0131r. Bankalar\u0131n ye\u015fil varl\u0131k oran\u0131 hesaplamalar\u0131nda \u015feffaf bir yol izlemesi pay sahipleri ve bu konuya duyarl\u0131 halk\u0131n a\u00e7\u0131k ve anla\u015f\u0131l\u0131r bir tabloyla kar\u015f\u0131la\u015fmas\u0131 i\u00e7in elzemdir. AB Taksonomisi her birka\u00e7 aya bir gelen reg\u00fclasyonlar ile birlikte de\u011fi\u015fmekte ve geli\u015fmektedir, ilk defa hesaplanacak oranlar \u0131\u015f\u0131\u011f\u0131nda ye\u015fil varl\u0131k oran\u0131 uygulamas\u0131n\u0131n geli\u015ftirilmesi i\u00e7in de \u00f6nemli veriler toplanm\u0131\u015f olacakt\u0131r. Ye\u015fil varl\u0131k oran\u0131n\u0131n yan\u0131 s\u0131ra, bankalar\u0131n 2030 i\u00e7in ye\u015fil varl\u0131k oran\u0131 hedefleri ve 2050 net s\u0131f\u0131r hedeflerine uyum konusunda ayr\u0131nt\u0131l\u0131 bilgi vermeleri istenmektedir. Bu maddeler \u0130klim dostu uygulamalar\u0131n yak\u0131n takibinin sa\u011flanmas\u0131 ve \u00e7al\u0131\u015fmalar\u0131n dinamizminin korunmas\u0131 i\u00e7indir.\\n\\nUzun vadede, yap\u0131lacak geli\u015ftirmeler ile birlikte ye\u015fil varl\u0131k oran\u0131n\u0131n hedeflenen do\u011fruluk oran\u0131na sahip olaca\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr. Bu sayede pay sahipleri ve halk\u0131n nicel verilere ula\u015fmas\u0131 kolayla\u015ft\u0131racakt\u0131r. S\u00fcrd\u00fcr\u00fclebilirlik konusunda duyarl\u0131 m\u00fc\u015fterilerin, ye\u015fil varl\u0131k oran\u0131 ve bankan\u0131n bu husustaki gelecek planlar\u0131n\u0131 inceleyerek karar verme olana\u011f\u0131 bulunacakt\u0131r. K\u0131sacas\u0131 diyebiliriz ki, s\u00fcrd\u00fcr\u00fclebilir bir gelecek i\u00e7in ye\u015fil varl\u0131k oran\u0131 ve beraberinde gelen d\u00fczenlemeler bir el feneri niteli\u011finde olup daha b\u00fcy\u00fck ad\u0131mlar i\u00e7in netlik kazand\u0131racakt\u0131r.\\n\\nKaynak\u00e7a:\\nhttps:\/\/www.tbb.org.tr\/Content\/Upload\/Dokuman\/7736\/Bilgi_Notu-Yesil_Varlik_Orani.pdf<\/a>\\n\\nhttps:\/\/www.tcmb.gov.tr\/wps\/wcm\/connect\/82b86baf-01ad-4eb1-a01d-2210c21fa37d\/F\u0130R32_TAM+MET\u0130N.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-82b86baf-01ad-4eb1-a01d-2210c21fa37d-nCNUPbu<\/a>\\n\\nhttps:\/\/www.eba.europa.eu\/sites\/default\/documents\/files\/document_library\/Publications\/Reports\/2021\/1001589\/Mapping%20Climate%20Risk%20-%20Main%20findings%20from%20the%20EU-wide%20pilot%20exercise%20on%20climate%20risk.pdf<\/a>“}]},{“component”:”hc_column”,”id”:”column_7aIP1″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:”socialbox”,”custom_css_styles”:””,”main_content”:[{“component”:”hc_space”,”id”:”Hdg76″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space-sm”,”height”:””},{“component”:”hc_text_block”,”id”:”zmr0F”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Payla\u015f:”},{“component”:”hc_social_share_buttons”,”id”:”P7L30″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”style”:”icon-links-button”,”size”:””,”alignment”:””,”type”:””,”social_colors”:true,”fb”:true,”fb_link”:””,”tw”:true,”tw_link”:””,”pi”:true,”pi_link”:””,”li”:true,”li_link”:””}]}],”section_settings”:””},”section_dDpN7″:{“component”:”hc_section”,”id”:”section_dDpN7″,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”section-color “,”custom_css_classes”:””,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”XLZ44″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_title_tag”,”id”:”4AoyD”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Son Yaz\u0131lar”,”tag”:”h2″},{“component”:”hc_space”,”id”:”TsAHd”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space”,”height”:””},{“component”:”hc_pt_grid_list”,”id”:”J9IEW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”post_type_slug”:”post”,”post_type_category”:”yazilar”,”column”:”2″,”column_lg”:”2″,”column_md”:”2″,”column_sm”:”1″,”column_xs”:”1″,”margins”:””,”pag_type”:”load_more”,”pag_items”:”2″,”pag_size”:””,”pag_animation”:”fade-top”,”pag_scroll_top”:false,”pag_position”:”align-center”,”pag_button_prev”:””,”pag_button_next”:””,”lm_lazy”:false,”lm_button_text”:”Daha Fazla”,”box”:”blog_top”,”boxed”:true,”extra”:false,”content”:””,”title_length”:”36″,”excerpt_length”:”75″,”title_size”:”text-md”,”custom_css”:””,”button_text”:””,”button_style”:”square”,”button_dimensions”:”btn-lg”,”button_animation”:false,”button_icon”:””}]}],”section_settings”:””},”scripts”:{“lightbox”:”magnific-popup.min.js”,”pagination”:”pagination.min.js”},”css”:{“lightbox”:”css\/magnific-popup.css”,”content_box”:”css\/content-box.css”,”media_box”:”css\/media-box.css”},”css_page”:””,”template_setting”:{},”template_setting_top”:{},”page_setting”:{“settings”:[“lock-mode-off”]},”post_type_setting”:{“settings”:{“image”:”https:\/\/www.cigdemguven.com\/medias\/2021\/10\/cigdem-guven-yesil-varlik-1024×714.jpg|753|1080|1425″,”excerpt”:”S\u00fcrd\u00fcr\u00fclebilir finans, g\u00fcn\u00fcm\u00fcz \u015fartlar\u0131ndan bak\u0131ld\u0131\u011f\u0131nda gelece\u011fe yap\u0131lan yat\u0131r\u0131mlar aras\u0131nda \u00f6nemli bir yere sahiptir. Finans kurumlar\u0131n\u0131n ye\u015fili koruma ve do\u011fal kaynaklar\u0131 muhafaza etme hedefiyle ger\u00e7ekle\u015ftirdi\u011fi uygulamalar bu kapsama girmektedir. D\u00fc\u015f\u00fck banka masraflar\u0131, \u00e7evre dostu kaynaklar\u0131n kullan\u0131m\u0131 ve \u00e7evreci kurulu\u015flara ba\u011f\u0131\u015flar gibi uygulamalar sayesinde m\u00fc\u015fterilerin daha \u201c\u00e7evreci\u201d finansal \u00fcr\u00fcnlere y\u00f6nlendirilmesi hedeflenmektedir.”,”extra_1″:”Yaz\u0131”,”extra_2″:””,”icon”:{“icon”:””,”icon_style”:””,”icon_image”:””}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00fcrd\u00fcr\u00fclebilir finans, g\u00fcn\u00fcm\u00fcz \u015fartlar\u0131ndan bak\u0131ld\u0131\u011f\u0131nda gelece\u011fe yap\u0131lan yat\u0131r\u0131mlar aras\u0131nda \u00f6nemli bir yere sahiptir. Finans kurumlar\u0131n\u0131n ye\u015fili koruma ve do\u011fal kaynaklar\u0131 muhafaza etme hedefiyle ger\u00e7ekle\u015ftirdi\u011fi uygulamalar bu kapsama girmektedir. D\u00fc\u015f\u00fck banka masraflar\u0131, \u00e7evre dostu kaynaklar\u0131n kullan\u0131m\u0131 ve \u00e7evreci kurulu\u015flara ba\u011f\u0131\u015flar gibi uygulamalar sayesinde m\u00fc\u015fterilerin daha \u201c\u00e7evreci\u201d finansal \u00fcr\u00fcnlere y\u00f6nlendirilmesi hedeflenmektedir.<\/p>\n","protected":false},"author":1,"featured_media":1426,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-1428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\nYe\u015fil Varl\u0131k Oran\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cigdemguven.com\/tr\/genel\/yesil-varlik-orani\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ye\u015fil Varl\u0131k Oran\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services\" \/>\n<meta property=\"og:description\" content=\"S\u00fcrd\u00fcr\u00fclebilir finans, g\u00fcn\u00fcm\u00fcz \u015fartlar\u0131ndan bak\u0131ld\u0131\u011f\u0131nda gelece\u011fe yap\u0131lan yat\u0131r\u0131mlar aras\u0131nda \u00f6nemli bir yere sahiptir. 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