{"id":29123,"date":"2021-05-16T21:38:18","date_gmt":"2021-05-16T19:38:18","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29123"},"modified":"2025-10-28T11:33:08","modified_gmt":"2025-10-28T10:33:08","slug":"i%cc%87svi%cc%87crede-banka-kurmak-mi-yoksa-satin-almak-mi-daha-i%cc%87yi%cc%87","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","title":{"rendered":"\u0130svi\u00e7re'de Banka Kurmak m\u0131 Sat\u0131n Almak m\u0131 Daha \u0130yi?"},"content":{"rendered":"

Yak\u0131n zamanda bir banka sat\u0131n almak isteyen gruplarla i\u015fbirli\u011fi yapt\u0131k. D\u00fczenlemeye tabi bir \u015firketi sat\u0131n almak yerine lisans ba\u015fvurusunda bulunman\u0131n art\u0131lar\u0131 ve eksileri hakk\u0131nda d\u00fc\u015f\u00fcncelerim nelerdir?<\/p>\n\n\n\n

D\u00fczenlemeye tabi bir kurulu\u015fu sat\u0131n almak, \u00f6ncelikle mevcut y\u00fck\u00fcml\u00fcl\u00fcklerin ve y\u00fck\u00fcml\u00fcl\u00fcklerin potansiyel miras\u0131 nedeniyle \u00f6nemli zorluklar ortaya \u00e7\u0131karabilir. Bunlar aras\u0131nda yeni y\u00f6netimin vizyonuyla uyumlu olmayabilecek \u00e7al\u0131\u015fanlar\u0131 elde tutmak, itibarlar\u0131 karma\u015f\u0131k olabilecek y\u00f6netim kurulu \u00fcyeleriyle u\u011fra\u015fmak ve yetersiz M\u00fc\u015fterini Tan\u0131 (KYC<\/strong>) prosed\u00fcrleri.<\/p>\n\n\n\n

\u00a0Miras kalan bu t\u00fcr sorunlar uyum risklerinin artmas\u0131na ve operasyonel verimsizliklere yol a\u00e7abilir. \u00d6rne\u011fin, yetersiz KYC s\u00fcre\u00e7leri, sat\u0131n alan \u015firketi d\u00fczenleyici cezalara ve itibar kayb\u0131na maruz b\u0131rakabilir. Bu nedenle, kapsaml\u0131 bir durum tespiti yap\u0131lmas\u0131 a\u015fa\u011f\u0131dakiler i\u00e7in gereklidir bu potansiyel risklerin belirlenmesi ve azalt\u0131lmas\u0131<\/a> sat\u0131n alma i\u015flemini tamamlamadan \u00f6nce.<\/p>\n\n\n\n

Genellikle, mevcut bankalar ve varl\u0131k y\u00f6neticileri de amortismana tabi \u00e7\u00f6z\u00fcmlere sahip mevcut sat\u0131c\u0131lara sahiptir ve ge\u00e7i\u015f bir kabusa d\u00f6n\u00fc\u015febilir.<\/p>\n\n\n\n

\"g\u00fcnd\u00fcz
\u0130svi\u00e7re'de bir banka kurun<\/figcaption><\/figure>\n\n\n\n

Lisansl\u0131 bir \u015firket sat\u0131n alman\u0131n avantaj\u0131, \u015funlar\u0131 yapacak olman\u0131zd\u0131r belki de <\/strong>zamandan tasarruf edin. Ayr\u0131ca mevcut i\u015flerinizi bitcoin gibi yeni ilkeler ve hizmetlerle geli\u015ftirmeyi de d\u00fc\u015f\u00fcnebilirsiniz.<\/p>\n\n\n\n

D\u00fczg\u00fcn y\u00f6netilen bir CRM veya m\u00fc\u015fteri ili\u015fkileri y\u00f6netimi arac\u0131na sahiplerse, bu a\u00e7\u0131k\u00e7a ilgin\u00e7tir. CRM'yi okumal\u0131 ve PMS<\/a> \u00f6nce denetim izi.<\/p>\n\n\n\n

Sat\u0131n alma senaryosuna giderseniz ve bir \u015firket sat\u0131n almak isterseniz, yeni bir ekip kurman\u0131z gerekebilir ve \u0130svi\u00e7re y\u00f6netmeli\u011fi ile ... y\u00fcksek vas\u0131fl\u0131 ve pahal\u0131 yerel profesyoneller. Ayr\u0131ca kontrol de\u011fi\u015fikli\u011fi i\u00e7in resmi onay ba\u015fvurusunda bulunman\u0131z gerekecektir. Bu, d\u00fczenleyicinin yeni sahipleri de onaylamas\u0131 gerekti\u011fi anlam\u0131na gelir. Yeni y\u00f6netim kurulu y\u00fcksek itibara sahip \u00fcyelerden olu\u015fmal\u0131d\u0131r.<\/p>\n\n\n\n

D\u00fczenleyici kurum size yeni i\u015f modelinin ne oldu\u011funu ve mevcut durumu nas\u0131l iyile\u015ftirece\u011fini de sorabilir.<\/p>\n\n\n\n

Bu yeni bankay\u0131 kurdu\u011funuzda, banka giri\u015flerine odaklanman\u0131z da \u00e7ok muhtemeldir. Bir payda\u015f herhangi bir t\u00fcrde giri\u015f veya \u00e7\u0131k\u0131\u015f yapt\u0131\u011f\u0131nda, g\u00fc\u00e7l\u00fc bir g\u00f6zetim uygulamak gerekir.<\/p>\n\n\n\n

Bu s\u00fcrecin karma\u015f\u0131kl\u0131\u011f\u0131 asl\u0131nda iyi \u00e7al\u0131\u015f\u0131yor ancak d\u00fczenli olarak g\u00fcncellemelere ihtiya\u00e7 duyuyor. Size karma\u015f\u0131k i\u015fe al\u0131m ve s\u00fcrekli izleme i\u00e7in InvestGlass iyile\u015ftirme ara\u00e7lar\u0131n\u0131 kullanmaktan daha iyi bir tavsiyede bulunamay\u0131z. Ama\u00e7, denet\u00e7ilere, herhangi bir anda, durum tespitinin yan\u0131 s\u0131ra AML, LBA, yapt\u0131r\u0131mlar ve fon kan\u0131t\u0131 kontrollerinin do\u011fru bir \u015fekilde yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6stermektir. <\/p>\n\n\n\n

Sat\u0131n almak m\u0131 yoksa in\u015fa etmek mi daha iyi?<\/h2>\n\n\n\n

E\u011fer ba\u015fka bir hissedar eklemek ve i\u015f operasyonlar\u0131n\u0131 mevcut bir yap\u0131ya d\u00f6n\u00fc\u015ft\u00fcrmemek i\u00e7inse, kesinlikle sat\u0131n almak daha iyidir.<\/p>\n\n\n\n

\u015eimdi y\u00f6netim kurulundaki, operasyonlardaki ve hantal PMS yaz\u0131l\u0131m\u0131ndaki herkesi de\u011fi\u015ftirmeniz gerekiyorsa, belki de bir \u015feye s\u0131f\u0131rdan ba\u015flamak ve kendi lisans\u0131n\u0131z i\u00e7in ba\u015fvurmak daha iyidir. Bu, yeni nesil i\u00e7in SRI ESG oyunla\u015ft\u0131r\u0131lm\u0131\u015f ve daha iyi i\u015fe al\u0131m i\u00e7in bir ara\u00e7 uygulamak i\u00e7in do\u011fru zaman olabilir. <\/p>\n\n\n\n

Peki ya siz, sat\u0131n al\u0131r m\u0131yd\u0131n\u0131z yoksa in\u015fa m\u0131 ederdiniz? <\/p>","protected":false},"excerpt":{"rendered":"

We recently collaborated with groups that are looking to buy a bank. What are my thoughts about the pros and cons of applying for a license versus buying a regulated company? \u200bAcquiring a regulated entity can present significant challenges, primarily due to the potential inheritance of existing liabilities and obligations.\u00a0These may include retaining employees who […]<\/p>\n","protected":false},"author":1,"featured_media":29124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[388],"class_list":["post-29123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-build-or-buy-a-bank"],"yoast_head":"\nIs it Better to Build or Buy a Bank in Switzerland? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand whether building or buying a bank in Switzerland is the best strategy for your financial goals.\" \/>\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.investglass.com\/tr\/i\u0307svi\u0307crede-banka-kurmak-mi-yoksa-satin-almak-mi-daha-i\u0307yi\u0307\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it Better to Build or Buy a Bank in Switzerland?\" \/>\n<meta property=\"og:description\" content=\"We recently collaborated with groups that are looking to buy a bank. 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