{"id":1462,"date":"2021-07-04T09:27:55","date_gmt":"2021-07-04T06:27:55","guid":{"rendered":"https:\/\/www.cigdemguven.com\/genel\/sustainability-and-bank\/"},"modified":"2022-08-11T15:26:45","modified_gmt":"2022-08-11T12:26:45","slug":"surdurulebilirlik-ve-bankalar","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/genel\/surdurulebilirlik-ve-bankalar\/","title":{"rendered":"S\u00fcrd\u00fcr\u00fclebilirlik ve Bankalar"},"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”:”S\u00fcrd\u00fcr\u00fclebilirlik ve Bankalar”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2021\/07\/cigdem-guven_bankavesurdurulebilirlik-1024×714.jpg|753|1080|526″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”S\u00fcrd\u00fcr\u00fclebilirlik ve Bankalar”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2021\/07\/cigdem-guven_bankavesurdurulebilirlik.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”:”Ge\u00e7mi\u015ften g\u00fcn\u00fcm\u00fcze \u00e7e\u015fitli ihtiya\u00e7lar\u0131m\u0131za buldu\u011fumuz \u00e7\u00f6z\u00fcmler ve bu \u00e7\u00f6z\u00fcmlerin de\u011fi\u015fen ko\u015fullara adapte edilebilmesi her alanda ba\u015far\u0131y\u0131 yakalamak i\u00e7in temel etkenlerden biri olmu\u015ftur. Bu ba\u011flamda, \u0130htiya\u00e7lar\u0131m\u0131z\u0131 gidermekte kulland\u0131\u011f\u0131m\u0131z kaynaklar\u0131n devaml\u0131l\u0131\u011f\u0131n\u0131 sa\u011flamak, dengeyi korumak olduk\u00e7a \u00f6nemlidir.\\n\\nS\u00fcrd\u00fcr\u00fclebilirlik her alanda \u00f6nemli oldu\u011fu gibi ekonomik ve finansal anlamda da \u015firketler a\u00e7\u0131s\u0131ndan hayati \u00f6nem ta\u015f\u0131maktad\u0131r. Ekonomik ve finansal\\ns\u00fcrd\u00fcr\u00fclebilirli\u011fi vizyon ve misyonlar\u0131 kapsam\u0131nda kendilerine hedef belirleyen ve bu hedef do\u011frultusunda do\u011fru ad\u0131mlar atan \u015firketler de\u011fi\u015fen d\u00fcnya standartlar\u0131na ayak uydurarak yakalad\u0131klar\u0131 ba\u015far\u0131y\u0131 katlayarak b\u00fcy\u00fcmeye devam edeceklerdir.\\n\\nHer sekt\u00f6rde oldu\u011fu gibi bankac\u0131l\u0131k sekt\u00f6r\u00fcnde de ba\u015far\u0131n\u0131n anahtar unsurlar\u0131ndan birisi s\u00fcrd\u00fcr\u00fclebilirli\u011fin yakalanmas\u0131d\u0131r. Kriz durumlar\u0131nda ortaya \u00e7\u0131kan f\u0131rsatlar\u0131 h\u0131zl\u0131ca kavray\u0131p gerekli hamleleri olabilecek en \u00e7evik \u015fekilde yapabilmek, m\u00fc\u015fterilerin memnuniyetini en \u00fcst d\u00fczeyde tutmak, payda\u015flar\u0131n\u0131n beklentilerini kar\u015f\u0131lamak ve \u201cde\u011fer yaratma\u201d gibi daha bir\u00e7ok ba\u015far\u0131 k\u0131stas\u0131n\u0131n gereklerini yerine getirebilmek i\u00e7in bankalar s\u00fcrd\u00fcr\u00fclebilirlik \u00e7al\u0131\u015fmalar\u0131 ad\u0131 alt\u0131nda birden fazla yenilik\u00e7i uygulamalar geli\u015ftirmektedir.\\n\\nGaranti Bankas\u0131n\u0131n 2019 Entegre Faaliyet Raporunda s\u00fcrd\u00fcr\u00fclebilirlik ba\u015fl\u0131\u011f\u0131 alt\u0131nda yer alan \u201c2018\u2019de sunmaya ba\u015flad\u0131\u011f\u0131 ye\u015fil proje finansman\u0131 kredisi ve ye\u015fil kurumsal kredi, kredi alan \u015firketlerin vade boyunca s\u00fcrd\u00fcr\u00fclebilirlik performans\u0131n\u0131n iyile\u015ftirilmesini te\u015fvik ediyor. \u0130kisi de kendi alan\u0131nda T\u00fcrkiye\u2019de ilk olma \u00f6zelli\u011fi ta\u015f\u0131yan ye\u015fil kredi anla\u015fmalar\u0131nda kredi alan \u015firketler, vade s\u00fcresi boyunca \u00e7evresel, sosyal, kurumsal y\u00f6netim alanlar\u0131nda belirlenen kriterler do\u011frultusunda performans\u0131n\u0131 art\u0131rd\u0131\u011f\u0131nda, kredi faizi veya komisyon oranlar\u0131nda avantaj elde edebiliyor. Garanti BBVA, ye\u015fil ve \u00e7evreye duyarl\u0131 enerjiye deste\u011fini, 2020 y\u0131l\u0131 itibar\u0131yla altyap\u0131s\u0131 m\u00fcsait t\u00fcm \u015fube ve binalar\u0131nda %100 yenilenebilir enerjiden faydalanarak devam ettiriyor.\u201d \u0130fadesi, sadece ekonomik s\u00fcrd\u00fcr\u00fclebilirli\u011fi hedeflemek yerine s\u00fcrd\u00fcr\u00fclebilirli\u011fin bir\u00e7ok ba\u015fl\u0131k alt\u0131nda bir b\u00fct\u00fcn olarak ele al\u0131nmas\u0131n\u0131n \u00f6nemini vurgular niteliktedir.\\n\\nS\u00fcrd\u00fcr\u00fclebilir kalk\u0131nman\u0131n en \u00f6nemli ilkelerinden biri e\u015fitsizliklerin giderilmesi konusunda bankalara d\u00fc\u015fen g\u00f6rev ise finansal hizmetlerin eri\u015fimine y\u00f6nelik faaliyetler y\u00fcr\u00fct\u00fclmesidir. D\u00fc\u015f\u00fck karbonlu ekonomiyi hedefledi\u011fini belirten Garanti Bankas\u0131, 2019 y\u0131l\u0131nda yeni enerji \u00fcretimi yat\u0131r\u0131mlar\u0131 \u00f6zelindeki proje finansman\u0131 kredilerinin tamam\u0131n\u0131, yenilenebilir enerji projelerine sa\u011flad\u0131. \u00c7evreci s\u00fcrd\u00fcr\u00fclebilirlik faaliyetleri ile sorumlu \u00fcr\u00fcn ve hizmetler portf\u00f6y\u00fcn\u00fc g\u00fc\u00e7lendirerek finansal kapsay\u0131c\u0131l\u0131\u011f\u0131n\u0131 artt\u0131rd\u0131\u011f\u0131n\u0131 s\u00f6yleyebiliriz.\\n\\nFinansal kapsay\u0131c\u0131l\u0131k; ekonomik b\u00fcy\u00fcme, istihdam yaratma ve kalk\u0131nman\u0131n en \u00f6nemli kolayla\u015ft\u0131r\u0131c\u0131s\u0131d\u0131r. S\u00fcrd\u00fcr\u00fclebilirlik hedefleri do\u011frultusunda finansal kapsay\u0131c\u0131l\u0131k alan\u0131nda kendini geli\u015ftiren bankalar\u0131n di\u011fer alanlarda da ayn\u0131 ivmeyi yakalamas\u0131 g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fczere \u00e7ok daha kolay ve h\u0131zl\u0131 ger\u00e7ekle\u015fmi\u015ftir.\\n\\nBa\u015far\u0131y\u0131 getiren en \u00f6nemli fakt\u00f6rlerden biri olan \u00e7al\u0131\u015fan memnuniyeti de s\u00fcrd\u00fcr\u00fclebilirlik faaliyetleri kapsam\u0131na girmektedir. \u0130\u015f Bankas\u0131 taraf\u0131ndan haz\u0131rlanan g\u00fcncel faaliyet raporunun s\u00fcrd\u00fcr\u00fclebilirlik k\u0131sm\u0131na ayr\u0131lan sayfalar\u0131 inceledi\u011fimizde ise bu fakt\u00f6r i\u00e7in ayr\u0131lan \u201c\u0130\u015f Bankas\u0131, kurumsal de\u011ferleriyle \u00f6rt\u00fc\u015fen \u00e7al\u0131\u015fanlar\u0131 b\u00fcnyesine katmakta, t\u00fcm \u00e7al\u0131\u015fanlar\u0131n\u0131 kariyerleri boyunca desteklemektedir. Bu kapsamda, ara kademe y\u00f6netici al\u0131m\u0131 yap\u0131lmayan ve t\u00fcm y\u00f6neticilerini kendi i\u00e7erisinden yeti\u015ftiren \u0130\u015f Bankas\u0131\u2019nda t\u00fcm y\u00f6neticiler y\u00fckselme s\u0131navlar\u0131, performans ve g\u00f6rev s\u00fcresi gibi kriterler do\u011frultusunda sistematik, \u015feffaf ve \u00f6ng\u00f6r\u00fclebilir kariyer yollar\u0131 ile terfi ettirilmekte, terfi s\u00fcre\u00e7lerinde ihtiya\u00e7 duyduklar\u0131 geli\u015fim f\u0131rsatlar\u0131na eri\u015febilmekte ve y\u00f6netici pozisyonlar\u0131n\u0131n gerektirdi\u011fi e\u011fitimlere kat\u0131lmaktad\u0131rlar. Farkl\u0131l\u0131klara sayg\u0131 duyulan, adil, profesyonel ve ki\u015fisel geli\u015fime katk\u0131 sa\u011flayan, g\u00fcvenli ve yarat\u0131c\u0131 bir i\u015f ortam\u0131 sunmak Bankan\u0131n i\u015f \u00f6ncelikleri aras\u0131ndad\u0131r.\u201d bilgisine rastl\u0131yoruz. Bu hedef ve kriterler kapsam\u0131nda %55 kad\u0131n \u00e7al\u0131\u015fan oran\u0131 bulunan \u0130\u015f Bankas\u0131 istihdamda cinsiyet e\u015fitli\u011finin \u00f6n\u00fcne ba\u015far\u0131yla ge\u00e7ti\u011fini kan\u0131tlam\u0131\u015ft\u0131r. Ayr\u0131ca f\u0131rsat e\u015fitli\u011finin sa\u011flanmas\u0131 do\u011frultusunda, dijital yetkinliklerin art\u0131r\u0131lmas\u0131na y\u00f6nelik yetenek y\u00f6netimi faaliyetlerini yo\u011funla\u015ft\u0131rarak \u00e7al\u0131\u015fanlara \u00e7e\u015fitli e\u011fitimler sunmu\u015flard\u0131r.\\n\\nM\u00fc\u015fteri deneyimi ve memnuniyeti a\u00e7\u0131s\u0131ndan yapt\u0131\u011f\u0131 dijital bankac\u0131l\u0131k ve veri g\u00fcvenli\u011fi \u00e7al\u0131\u015fmalar\u0131yla \u00f6ne \u00e7\u0131kan \u0130\u015f Bankas\u0131 dijital \u00fcr\u00fcn ve hizmetlerle m\u00fc\u015fterilere ki\u015fiselle\u015ftirilmi\u015f \u00fcr\u00fcnler sunabilmek ve 7\/24 ula\u015f\u0131labilirlik sa\u011flan\u0131rken bu \u00e7al\u0131\u015fmalar\u0131n internet \u00fczerinden y\u00fcr\u00fct\u00fclmesi ile gelen veri g\u00fcvenli\u011fi engellerine tak\u0131lmadan ilerlemeyi hedeflemi\u015ftir. \u00d6zellikle pandeminin hayat\u0131m\u0131za girdi\u011fi 2020 y\u0131l\u0131nda toplam 8.1 milyon dijital bankac\u0131l\u0131k m\u00fc\u015fteri say\u0131s\u0131 ve 7.8 milyon mobil bankac\u0131l\u0131k m\u00fc\u015fteri say\u0131s\u0131na ula\u015fan \u0130\u015f Bankas\u0131 ald\u0131\u011f\u0131 ad\u0131mlarla bu ba\u011flamda s\u00fcrd\u00fcr\u00fclebilirli\u011fi yakalam\u0131\u015ft\u0131r.\\n\\nBankalar\u0131n, m\u00fc\u015fterilerin bilin\u00e7li finansal kararlar almalar\u0131na ve mali durumlar\u0131n\u0131 y\u00f6netmelerine yard\u0131mc\u0131 \u00fcr\u00fcn ve hizmetler sunarak d\u00fczenli geri d\u00f6n\u00fc\u015fler talep etmeleri, atik manevralar yaparak s\u00fcrd\u00fcr\u00fclebilirli\u011fi sa\u011flamak a\u00e7\u0131s\u0131ndan g\u00f6zden ka\u00e7\u0131r\u0131lmamas\u0131 gereken bir konudur.\\n\\nEtik anlamda s\u00fcrd\u00fcr\u00fclebilirli\u011fi yakalamak da bankan\u0131n misyon ve vizyonu do\u011frultusunda etik ilkelere uygun ad\u0131mlar atmas\u0131, kendi b\u00fcnyesi i\u00e7erisinde ve m\u00fc\u015fterisiyle olu\u015fturaca\u011f\u0131 kar\u015f\u0131l\u0131kl\u0131 g\u00fcven duygusunun korunmas\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemlidir. TEB Bankas\u0131n\u0131n en g\u00fcncel s\u00fcrd\u00fcr\u00fclebilirlik raporunu inceledi\u011fimizde yolsuzlu\u011fa kar\u015f\u0131 tutumlar\u0131n\u0131 ve ald\u0131klar\u0131 tedbiri \u201cY\u00f6netim Kurulu; Tefti\u015f Kurulunun, Bankan\u0131n ve konsolidasyon kapsam\u0131ndaki i\u015ftiraklerinin b\u00fct\u00fcn faaliyetlerini ve birimlerini s\u0131n\u0131rlama olmaks\u0131z\u0131n inceleyebilmesi i\u00e7in gerekli b\u00fct\u00fcn tedbirleri alm\u0131\u015ft\u0131r. Tefti\u015f Kurulu Ba\u015fkanl\u0131\u011f\u0131 taraf\u0131ndan, 01.01.2016-31.12.2017 tarihleri aras\u0131nda toplam 210 adet \u015eube denetimi ger\u00e7ekle\u015ftirilmi\u015f olup, 82 adedi Genel Tefti\u015f, 26 adedi Kredi Portf\u00f6y De\u011ferlili\u011fi Tefti\u015fi, 61 adedi Kredi Portf\u00f6y Y\u00f6netimi Tefti\u015fi, 16 adedi Operasyon \u00d6zel Tefti\u015fi ve 25 adedi Solo Operasyon Tefti\u015finden meydana gelmektedir. Bu kapsamda kredi kulland\u0131r\u0131m ve teminat \u015fartlar\u0131, kredi geri \u00f6deme performans\u0131, m\u00fc\u015fteri ve kefilinin moralitesi, \u015fube risk y\u00f6netimi etkinli\u011fi ve y\u00f6neti\u015fimi ile \u015fube uygulamalar\u0131n\u0131n yasal ve banka i\u00e7 mevzuat\u0131na uygunlu\u011fu, operasyonel i\u015flemlerden kaynaklanabilecek risklerin y\u00f6netimi ve i\u00e7 kontrol sisteminin i\u015fleyi\u015finin etkinli\u011fi de\u011ferlendirilmi\u015ftir.\u201d paragraf\u0131ndan a\u00e7\u0131k ve net bir \u015fekilde g\u00f6rebilmekteyiz. Ayr\u0131ca etik ilkelere uygun hareket etmek i\u00e7in konuyla ilgili her \u00e7al\u0131\u015fan\u0131n gerekli donan\u0131ma sahip olmayabilece\u011fini \u00f6ng\u00f6rerek \u00e7e\u015fitli e\u011fitimler tamamlanmas\u0131n\u0131 zorunlu k\u0131lm\u0131\u015ft\u0131r.\\n\\nCovid-19 salg\u0131n\u0131 ile birlikte kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z ekonomik sorunlar bize s\u00fcrd\u00fcr\u00fclebilirli\u011fin ne denli \u00f6nemli oldu\u011funu bir kez daha kan\u0131tlam\u0131\u015ft\u0131r. S\u00fcrd\u00fcr\u00fclebilirli\u011fi koruma durumu pandemi gibi aniden hayat\u0131m\u0131z\u0131 kontrol alan ve bizi k\u0131s\u0131tlayan belirsizlik ortamlar\u0131nda dikkatli ad\u0131mlar at\u0131lmas\u0131n\u0131 gerektirir. Bu sebeple D\u00fcnya Bankas\u0131 \u00fclkelerin toparlanma s\u00fcrecinde bir rehber olmas\u0131 amac\u0131yla S\u00fcrd\u00fcr\u00fclebilirlik Kontrol Listesini olu\u015fturdu. Hayat\u0131m\u0131za Covid-19 salg\u0131n\u0131 ile giren ve pandemi s\u00fcrecinde do\u011fan ihtiya\u00e7lara y\u00f6nelik olu\u015fturulan \u201ckorona tahvilleri\u201d di\u011fer s\u00fcrd\u00fcr\u00fclebilir tahvil \u00f6rneklerinde oldu\u011fu gibi i\u00e7inde bulundu\u011fumuz duruma yenilik\u00e7i ve faydac\u0131 \u00e7\u00f6z\u00fcmler getirmeyi vaad ediyor.\\n\\nSonu\u00e7 olarak bir bankan\u0131n ba\u015far\u0131l\u0131 olmak i\u00e7in s\u00fcrd\u00fcr\u00fclebilirli\u011fi yakalamas\u0131 gereken tek alan\u0131n ekonomik olmad\u0131\u011f\u0131n\u0131 rahatl\u0131kla s\u00f6yleyebiliriz. 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