{"id":49267,"date":"2026-03-13T09:28:24","date_gmt":"2026-03-13T08:28:24","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49267"},"modified":"2026-03-18T08:39:54","modified_gmt":"2026-03-18T07:39:54","slug":"olico-uyumlulugunda-uzmanlasmak-i%cc%87svi%cc%87cre-fi%cc%87nans-kuruluslari-i%cc%87ci%cc%87n-kapsamli-bi%cc%87r-rehber","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/mastering-olico-compliance-a-comprehensive-guide-for-swiss-financial-institutions\/","title":{"rendered":"OLICO Uyumlulu\u011funda Uzmanla\u015fmak: \u0130svi\u00e7re Finans Kurumlar\u0131 i\u00e7in Kapsaml\u0131 Bir K\u0131lavuz"},"content":{"rendered":"<p class=\"wp-block-paragraph\">D\u00fcnyan\u0131n en g\u00fcvenilir finansal sistemlerinden biri bir \u015fokla kar\u015f\u0131la\u015ft\u0131\u011f\u0131nda ne olur? Likidite bir gecede yok olabilirken bankalar nas\u0131l haz\u0131rlanmal\u0131? Ve \u0130svi\u00e7re finans kurumlar\u0131 bir sonraki d\u00fczenleyici d\u00f6neme ger\u00e7ekten haz\u0131r m\u0131?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130stikrar\u0131 ve hassasiyeti ile d\u00fcnya \u00e7ap\u0131nda tan\u0131nan \u0130svi\u00e7re finans sekt\u00f6r\u00fc, derin bir d\u00fczenleyici d\u00f6n\u00fc\u015f\u00fcmden ge\u00e7iyor. 2023'te Credit Suisse'i \u00e7evreleyen benzeri g\u00f6r\u00fclmemi\u015f olaylar da dahil olmak \u00fczere son piyasa \u00e7alkant\u0131lar\u0131n\u0131n ard\u0131ndan, \u0130svi\u00e7re Finansal Piyasa Denetleme Kurumu (FINMA) likidite riski y\u00f6netimi \u00fczerindeki kontrol\u00fcn\u00fc \u00f6nemli \u00f6l\u00e7\u00fcde s\u0131k\u0131la\u015ft\u0131rd\u0131. Bu d\u00fczenleyici evrimin merkezinde, genellikle Likidite Y\u00f6netmeli\u011fi (LiqO) veya OLICO (Ordonnance sur les liquidit\u00e9s) olarak adland\u0131r\u0131lan Bankalar\u0131n ve Menkul K\u0131ymet Firmalar\u0131n\u0131n Likiditesine \u0130li\u015fkin Y\u00f6netmelik yer almaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re'de faaliyet g\u00f6steren bankalar ve menkul k\u0131ymet firmalar\u0131 i\u00e7in OLICO uyumlulu\u011funun sa\u011flanmas\u0131 ve s\u00fcrd\u00fcr\u00fclmesi art\u0131k sadece d\u00fczenleyici bir onay kutusu de\u011fil; operasyonel esneklik ve stratejik uygulanabilirli\u011fin temel bir dayana\u011f\u0131d\u0131r. Yeni LiqO-FINMA'n\u0131n 1 Ocak 2027'de y\u00fcr\u00fcrl\u00fc\u011fe girecek olmas\u0131, likidite ve fon planlamas\u0131na y\u00f6nelik daha yap\u0131land\u0131r\u0131lm\u0131\u015f, entegre ve ileriye d\u00f6n\u00fck bir yakla\u015f\u0131m talep ederek \u00f6nceki k\u0131lavuz ilkeleri yasal olarak uygulanabilir yetkilere d\u00f6n\u00fc\u015ft\u00fcrmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kapsaml\u0131 k\u0131lavuz, OLICO uyumlulu\u011funun inceliklerini, \u0130svi\u00e7re'de geli\u015fen d\u00fczenleyici ortam\u0131 ve \u0130svi\u00e7re egemen CRM gibi modern teknolojik \u00e7\u00f6z\u00fcmlerin finans kurumlar\u0131n\u0131n bu karma\u015f\u0131k gereklilikleri g\u00fcven ve verimlilikle kar\u015f\u0131lamalar\u0131n\u0131 nas\u0131l sa\u011flayabilece\u011fini ara\u015ft\u0131rmaktad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-you-will-learn\">Neler \u00d6\u011freneceksiniz<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu makalede, temel ilkeleri, nicel ve nitel gereksinimleri, yeni LiqO-FINMA'n\u0131n etkisi, bu d\u00fczenlemelerin belirli yaz\u0131l\u0131m ve BT altyap\u0131s\u0131 gereksinimlerini nas\u0131l belirledi\u011fi, bankalar\u0131n kar\u015f\u0131la\u015ft\u0131\u011f\u0131 stratejik zorluklar ve InvestGlass'\u0131n mevzuata sorunsuz uyum sa\u011flamak i\u00e7in nas\u0131l kapsaml\u0131 bir otomatik \u00e7\u00f6z\u00fcm sa\u011flad\u0131\u011f\u0131 dahil olmak \u00fczere \u0130svi\u00e7re Likidite Y\u00f6netmeli\u011fi (OLICO\/LiqO) hakk\u0131nda kapsaml\u0131 bir anlay\u0131\u015f kazanacaks\u0131n\u0131z.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-olico-the-swiss-liquidity-ordinance\">OLICO'yu Anlamak: \u0130svi\u00e7re Likidite Y\u00f6netmeli\u011fi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re Federal Konseyi taraf\u0131ndan 30 Kas\u0131m 2012 tarihinde kabul edilen ve 1 Ocak 2013 tarihinden itibaren y\u00fcr\u00fcrl\u00fckte olan Bankalar\u0131n ve Menkul K\u0131ymet Firmalar\u0131n\u0131n Likiditesine \u0130li\u015fkin Y\u00f6netmelik (SR 952.06), \u0130svi\u00e7re finans sekt\u00f6r\u00fcnde likidite riski y\u00f6netiminin yasal temelini olu\u015fturmaktad\u0131r. Temel amac\u0131, bankalar\u0131n ve hesap sahibi menkul k\u0131ymet firmalar\u0131n\u0131n, a\u011f\u0131r stres ko\u015fullar\u0131 alt\u0131nda bile \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerini her zaman yerine getirmek i\u00e7in yeterli likiditeye sahip olmalar\u0131n\u0131 sa\u011flamakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re'nin finans sekt\u00f6r\u00fc GSYH'nin 9,1%'sini (72 milyar CHF) olu\u015fturmakta, yakla\u015f\u0131k 200.000 ki\u015fiye istihdam sa\u011flamakta ve s\u0131n\u0131r \u00f6tesi varl\u0131k y\u00f6netiminde k\u00fcresel bir lider konumundad\u0131r. 2023 y\u0131l\u0131nda \u00fclkede yakla\u015f\u0131k 110.000 tam zamanl\u0131 e\u015fde\u011fer \u00e7al\u0131\u015fan\u0131 olan 230 banka faaliyet g\u00f6stermekteydi. Sekt\u00f6r\u00fcn sistemik \u00f6nemi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, likiditeyi y\u00f6neten d\u00fczenleyici \u00e7er\u00e7eve hem kapsaml\u0131 hem de geli\u015fen piyasa ko\u015fullar\u0131na uyarlanabilir olmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-core-principles-of-liquidity-management\">Likidite Y\u00f6netiminin Temel \u0130lkeleri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00f6netmeli\u011fin 2. Maddesine g\u00f6re her banka, uygun orta ve uzun vadeli fonlamay\u0131 sa\u011flarken likiditedeki k\u0131sa vadeli bozulmalara kar\u015f\u0131 korunmak i\u00e7in yeterli ve s\u00fcrd\u00fcr\u00fclebilir bir likidite rezervi bulundurmal\u0131d\u0131r. Bu ilke, niteliksel y\u00f6netim gereklilikleri ve kat\u0131 niceliksel \u00f6l\u00e7\u00fctlerin bir kombinasyonu yoluyla operasyonel hale getirilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenleyici \u00e7er\u00e7eve, Madde 5'te belirtildi\u011fi \u00fczere orant\u0131l\u0131l\u0131k ilkesi \u00fczerine in\u015fa edilmi\u015ftir. B\u00fcy\u00fckl\u00fcklerine, karma\u015f\u0131kl\u0131klar\u0131na ve risk profillerine ba\u011fl\u0131 olarak, kurulu\u015flar\u0131n likidite risklerini hem bireysel kurulu\u015f hem de finansal grup d\u00fczeyinde uygun \u015fekilde y\u00f6netmeleri gerekmektedir. Bu, sistemik \u00f6neme sahip bankalar FINMA ile s\u0131k\u0131 ve kapsaml\u0131 planlama g\u00f6r\u00fc\u015fmeleri yaparken, Bankac\u0131l\u0131k Y\u00f6netmeli\u011fi kapsam\u0131ndaki 4. ve 5. kategorilerde yer alan daha k\u00fc\u00e7\u00fck kurumlar\u0131n, mevzuata uygunlu\u011fu s\u00fcrd\u00fcrmeleri ko\u015fuluyla basitle\u015ftirilmi\u015f yakla\u015f\u0131mlar\u0131 benimseyebilecekleri anlam\u0131na gelmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Orant\u0131l\u0131l\u0131k ilkesi \u0130svi\u00e7re yakla\u015f\u0131m\u0131n\u0131n belirleyici bir \u00f6zelli\u011fidir. Herkese uyan tek bir \u00e7er\u00e7evenin hem pratik olmayaca\u011f\u0131n\u0131 hem de ters etki yarataca\u011f\u0131n\u0131, daha b\u00fcy\u00fck, daha karma\u015f\u0131k kurulu\u015flar\u0131n olu\u015fturdu\u011fu sistemik riskleri yeterince ele alamazken daha k\u00fc\u00e7\u00fck kurulu\u015flar aras\u0131nda yenilik\u00e7ili\u011fi ve rekabeti potansiyel olarak bo\u011faca\u011f\u0131n\u0131 kabul eder. FINMA, orant\u0131l\u0131l\u0131\u011f\u0131n ihtiyatl\u0131l\u0131\u011f\u0131n azalt\u0131lmas\u0131 anlam\u0131na gelmedi\u011fini, bunun yerine kullan\u0131lan ara\u00e7 ve metodolojilerin kurumun risk profiliyle orant\u0131l\u0131 olmas\u0131 gerekti\u011fini s\u00fcrekli olarak vurgulam\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-qualitative-requirements-governance-risk-mitigation-and-internal-controls\">Niteliksel Gereklilikler: Y\u00f6neti\u015fim, Risk Azaltma ve \u0130\u00e7 Kontroller<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO, likidite riski y\u00f6netimi i\u00e7in g\u00fc\u00e7l\u00fc y\u00f6neti\u015fim yap\u0131lar\u0131n\u0131 zorunlu k\u0131lmaktad\u0131r. Bankalar likidite riski toleranslar\u0131n\u0131 a\u00e7\u0131k\u00e7a tan\u0131mlamal\u0131 ve bu e\u015fikle tutarl\u0131 stratejiler olu\u015fturmal\u0131d\u0131r. En \u00f6nemlisi, kurumlar, \u00f6zellikle \u00fcr\u00fcnleri fiyatland\u0131r\u0131rken, yeni teklifler sunarken veya geliri \u00f6l\u00e7erken, t\u00fcm \u00f6nemli bilan\u00e7o i\u00e7i ve d\u0131\u015f\u0131 i\u015f faaliyetlerinde likidite maliyetlerini ve risklerini hesaba katmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Risk \u00d6l\u00e7\u00fcm ve Y\u00f6netim Sistemleri, niteliksel uyumun bel kemi\u011fini olu\u015fturur. Y\u00f6netmeli\u011fin 7. Maddesi, bankalar\u0131n likidite riskini tan\u0131mlamak, de\u011ferlendirmek, y\u00f6netmek ve izlemek i\u00e7in uygun s\u00fcre\u00e7ler olu\u015fturmas\u0131n\u0131 gerektirmektedir. Bu, \u00e7e\u015fitli zaman ufuklar\u0131 i\u00e7in ayr\u0131nt\u0131l\u0131 likidite tablolar\u0131n\u0131n olu\u015fturulmas\u0131n\u0131n yan\u0131 s\u0131ra finansal grup, t\u00fczel ki\u015filikler, i\u015f alanlar\u0131 ve \u00f6nemli para birimleri genelinde likidite riskinin tan\u0131mlanmas\u0131n\u0131 ve y\u00f6netilmesini i\u00e7erir. Bankalar ayr\u0131ca likiditenin kurulu\u015flar aras\u0131nda transfer edilebilirli\u011fine y\u00f6nelik yasal, d\u00fczenleyici ve operasyonel s\u0131n\u0131rlamalar\u0131 da dikkate almal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00fcn \u0130\u00e7i Likidite \u0130zleme bir di\u011fer kritik gerekliliktir. Madde 7(3), \u00f6deme ve mutabakat y\u00fck\u00fcml\u00fcl\u00fcklerinin asla tehlikeye at\u0131lmamas\u0131n\u0131 sa\u011flamak i\u00e7in bankalar\u0131n g\u00fcn i\u00e7i likidite riskini tan\u0131mlamas\u0131n\u0131, y\u00f6netmesini ve izlemesini zorunlu k\u0131lmaktad\u0131r. G\u00fcn i\u00e7i nakit ak\u0131\u015flar\u0131n\u0131n ger\u00e7ek zamanl\u0131 olarak g\u00f6r\u00fclebilmesi bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn yerine getirilmesi i\u00e7in elzemdir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Madde 7(4)'te belirtildi\u011fi \u00fczere, Varl\u0131k Takyidat\u0131n\u0131n izlenmesi, bankalar\u0131n likidite yaratmak i\u00e7in kullan\u0131lan varl\u0131klar\u0131 izlemesini ve takyidatl\u0131 ve takyidats\u0131z varl\u0131klar aras\u0131nda net bir ayr\u0131m yapmas\u0131n\u0131 gerektirir. Kurumlar, varl\u0131klar\u0131n nerede tutuldu\u011funu ve bunlar\u0131n zaman\u0131nda nas\u0131l tasfiye edilebilece\u011fini her zaman g\u00f6sterebilmelidir. Bu \u015feffafl\u0131k hem i\u00e7 risk y\u00f6netimi hem de d\u00fczenleyici raporlama i\u00e7in hayati \u00f6nem ta\u015f\u0131maktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Madde 9'da ayr\u0131nt\u0131lar\u0131 verilen Stres Testi gereklilikleri, bankalar\u0131n \u00e7e\u015fitli stres senaryolar\u0131 geli\u015ftirmelerini ve likidite durumlar\u0131na ili\u015fkin d\u00fczenli stres testleri yapmalar\u0131n\u0131 gerektirmektedir. Bu senaryolar, farkl\u0131 zaman ufuklar\u0131n\u0131 ve de\u011fi\u015fen \u015fiddet derecelerini kapsayan, kuruma \u00f6zg\u00fc, piyasa \u00e7ap\u0131nda ve birle\u015fik nedenleri ve fakt\u00f6rleri kapsamal\u0131d\u0131r. \u00d6zellikle senaryolar, Credit Suisse krizi s\u0131ras\u0131nda y\u0131k\u0131c\u0131 bir \u015fekilde ger\u00e7ek oldu\u011fu kan\u0131tlanan, teminats\u0131z fonlama kayb\u0131 ile teminatl\u0131 fonlama \u00fczerindeki k\u0131s\u0131tlamalar\u0131n bir araya gelmesi olas\u0131l\u0131\u011f\u0131n\u0131 i\u00e7ermelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00f6netmelik, kategori 4 ve 5'teki bankalar i\u00e7in basitle\u015ftirilmi\u015f bir yakla\u015f\u0131m sunarak, stres testi amac\u0131yla yaln\u0131zca Madde 12(1)'de \u00f6ng\u00f6r\u00fclen stres senaryosunu kullanmalar\u0131n\u0131 gerektirmektedir. Bu orant\u0131l\u0131 uygulama, asgari bir dayan\u0131kl\u0131l\u0131k standard\u0131n\u0131 korurken daha k\u00fc\u00e7\u00fck kurumlar \u00fczerindeki uyum y\u00fck\u00fcn\u00fc azaltmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acil Durum Fonlama Planlar\u0131, Madde 10 taraf\u0131ndan zorunlu k\u0131l\u0131nd\u0131\u011f\u0131 \u00fczere, her bankan\u0131n likidite a\u00e7\u0131klar\u0131n\u0131 ele almak i\u00e7in kapsaml\u0131 stratejiler geli\u015ftirmesini gerektirir. Bu planlar sorumluluklar\u0131, ileti\u015fim kanallar\u0131n\u0131 ve gerekli tedbirleri i\u00e7 d\u00fczenlemeler ve direktifler dahilinde uygun bir bi\u00e7imde tan\u0131mlamal\u0131d\u0131r. Acil durum fonlama plan\u0131, stres senaryolar\u0131na ve stres testlerinin sonu\u00e7lar\u0131na \u00f6zellikle dikkat etmeli ve kurumun bir likidite krizine etkili bir \u015fekilde yan\u0131t vermeye haz\u0131r olmas\u0131n\u0131 sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quantitative-requirements-lcr-and-nsfr\">Kantitatif Gereklilikler: LCR ve NSFR<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO uyumlulu\u011funun niceliksel omurgas\u0131, Basel III \u00e7er\u00e7evesi kapsam\u0131nda ortaya konan ve uluslararas\u0131 kabul g\u00f6rm\u00fc\u015f iki \u00f6l\u00e7\u00fcye dayanmaktad\u0131r: Likidite Kar\u015f\u0131lama Oran\u0131 (LCR) ve Net \u0130stikrarl\u0131 Fonlama Oran\u0131 (NSFR).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Metrik<\/td><td>Birincil Hedef<\/td><td>Zaman Ufku<\/td><td>Minimum Gereksinim<\/td><\/tr><tr><td>Likidite Kar\u015f\u0131lama Oran\u0131 (LCR)<\/td><td>Bankalar\u0131n \u00f6nemli bir stres senaryosunda hayatta kalmak i\u00e7in yeterli Y\u00fcksek Kaliteli Likit Varl\u0131klara (HQLA) sahip olmas\u0131n\u0131 sa\u011flar.<\/td><td>30 g\u00fcn<\/td><td>100% (HQLA toplam net nakit \u00e7\u0131k\u0131\u015flar\u0131na e\u015fit veya daha fazla olmal\u0131d\u0131r)<\/td><\/tr><tr><td>Net \u0130stikrarl\u0131 Fonlama Oran\u0131 (NSFR)<\/td><td>Bankalar\u0131n faaliyetlerini yeterince istikrarl\u0131 kaynaklarla finanse etmelerini gerektirerek dayan\u0131kl\u0131l\u0131\u011f\u0131 te\u015fvik eder.<\/td><td>1 y\u0131l<\/td><td>100% (Mevcut \u0130stikrarl\u0131 Fonlama, Gerekli \u0130stikrarl\u0131 Fonlamaya e\u015fit veya daha fazla olmal\u0131d\u0131r)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00f6netmeli\u011fin 12. Maddesinde tan\u0131mlanan LCR, bankalar\u0131n \u00f6zel piyasalarda \u00e7ok az de\u011fer kayb\u0131yla veya hi\u00e7 de\u011fer kayb\u0131 olmaks\u0131z\u0131n nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclebilecek yeterli miktarda ipoteksiz HQLA stoku bulundurmalar\u0131n\u0131 sa\u011flamak \u00fczere tasarlanm\u0131\u015ft\u0131r. Oran, toplam HQLA stokunun 30 takvim g\u00fcnl\u00fck bir stres d\u00f6nemi boyunca toplam net nakit \u00e7\u0131k\u0131\u015flar\u0131na b\u00f6l\u00fcnmesiyle hesaplan\u0131r. Bankalar bu oran\u0131 her zaman 100% veya \u00fczerinde tutmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NSFR, orta ve uzun vadeli fonlama istikrar\u0131n\u0131 ele alarak LCR'yi tamamlar. Bankalar\u0131n bilan\u00e7o i\u00e7i ve bilan\u00e7o d\u0131\u015f\u0131 faaliyetleriyle ilgili olarak istikrarl\u0131 bir fonlama profili s\u00fcrd\u00fcrmelerini gerektirir. Oran, Mevcut \u0130stikrarl\u0131 Fonlaman\u0131n (ASF) Zorunlu \u0130stikrarl\u0131 Fonlamaya (RSF) b\u00f6l\u00fcnmesiyle hesaplan\u0131r. Minimum 100% oran\u0131, kurumlar\u0131n uzun vadeli, likit olmayan varl\u0131klar\u0131 finanse etmek i\u00e7in k\u0131sa vadeli toptan fonlamaya a\u015f\u0131r\u0131 derecede g\u00fcvenmemelerini sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6l\u00e7\u00fctler, tarihsel olarak bankalar\u0131n batmas\u0131na neden olan vade uyumsuzluklar\u0131n\u0131 \u00f6nlemek \u00fczere tasarlanm\u0131\u015ft\u0131r. Credit Suisse'in 2023 krizi g\u00fcven kayb\u0131n\u0131n y\u0131k\u0131c\u0131 sonu\u00e7lar\u0131n\u0131 g\u00f6stermi\u015f, itibar krizi olarak ba\u015flayan s\u00fcre\u00e7 h\u0131zla tam \u00f6l\u00e7ekli bir likidite acil durumuna d\u00f6n\u00fc\u015fm\u00fc\u015f ve nihayetinde devlet m\u00fcdahalesi ve bankan\u0131n UBS taraf\u0131ndan sat\u0131n al\u0131nmas\u0131 gerekmi\u015ftir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reporting-obligations-and-supervisory-expectations\">Raporlama Y\u00fck\u00fcml\u00fcl\u00fckleri ve Denetim Beklentileri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO, finansal kurulu\u015flara s\u0131k\u0131 raporlama y\u00fck\u00fcml\u00fcl\u00fckleri getirmektedir. Sistemik \u00f6neme sahip bankalar\u0131n likidite raporlar\u0131n\u0131 ayl\u0131k olarak ay\u0131n son takvim g\u00fcn\u00fcnden itibaren 15 takvim g\u00fcn\u00fc i\u00e7erisinde \u0130svi\u00e7re Ulusal Bankas\u0131'na (SNB) sunmalar\u0131 gerekmektedir. Bu raporlar, HQLA, nakit giri\u015fleri, nakit \u00e7\u0131k\u0131\u015flar\u0131 ve sonu\u00e7ta ortaya \u00e7\u0131kan LCR'nin ayr\u0131nt\u0131l\u0131 d\u00f6k\u00fcmleri de dahil olmak \u00fczere kurumun likidite pozisyonunun kapsaml\u0131 bir g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FINMA, Y\u00f6netmelik kapsam\u0131nda geni\u015f denetim yetkilerini elinde tutmaktad\u0131r. Bankalardan ek bilgi sa\u011flamalar\u0131n\u0131, ek stres testleri yapmalar\u0131n\u0131 veya belirlenen zay\u0131fl\u0131klar\u0131 ele almak i\u00e7in belirli \u00f6nlemleri uygulamalar\u0131n\u0131 isteyebilir. D\u00fczenleyici kurumun yakla\u015f\u0131m\u0131 risk bazl\u0131d\u0131r, yani daha y\u00fcksek risk profiline veya tespit edilen zay\u0131fl\u0131klara sahip kurumlar daha yo\u011fun denetime tabi olacakt\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-evolving-regulatory-landscape-the-new-liqo-finma\">Geli\u015fen D\u00fczenleyici Ortam: Yeni LiqO-FINMA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re d\u00fczenleyici ortam\u0131 dura\u011fan de\u011fildir. \u0130lk raporlama tarihi 31 Mart 2025 olan ve 1 Ocak 2025'te y\u00fcr\u00fcrl\u00fc\u011fe giren nihai Basel III standartlar\u0131n\u0131n uygulanmas\u0131n\u0131n ard\u0131ndan FINMA, denetim yakla\u015f\u0131m\u0131n\u0131 geli\u015ftirmeye devam etmi\u015ftir. \u00d6nemli bir geli\u015fme, Bankalar\u0131n ve Menkul K\u0131ymet Firmalar\u0131n\u0131n Likiditesine ili\u015fkin yeni Y\u00f6netmeli\u011fin (LiqO-FINMA) y\u00fcr\u00fcrl\u00fc\u011fe girmesidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FINMA, 3 Temmuz 2025 tarihinde, \u00f6nceki FINMA Genelgesi 15\/02 \u201cLikidite - Bankalar \u201d\u0131n yerini alacak olan bu yeni y\u00f6netmelik hakk\u0131nda bir dan\u0131\u015fma s\u00fcreci ba\u015flatm\u0131\u015ft\u0131r. Dan\u0131\u015fma s\u00fcreci 29 Eyl\u00fcl 2025 tarihine kadar devam etmi\u015f olup, yeni y\u00f6netmeli\u011fin 1 Ocak 2027 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmesi beklenmektedir. Bu ge\u00e7i\u015f sadece idari de\u011fildir; mevcut denetim rehberli\u011fini yasal olarak uygulanabilir h\u00fck\u00fcmlere d\u00f6n\u00fc\u015ft\u00fcrmekte ve \u0130svi\u00e7re bankalar\u0131n\u0131n likidite stresi kar\u015f\u0131s\u0131nda dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131rmay\u0131 ama\u00e7layan daha geni\u015f bir d\u00fczenleyici de\u011fi\u015fimi yans\u0131tmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-enhancements-in-the-new-framework\">Yeni \u00c7er\u00e7evedeki Temel Geli\u015ftirmeler<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA, mevcut d\u00fczenleyici \u00e7er\u00e7evede belirlenen bo\u015fluklar\u0131 ele alan iki kritik alanda kat\u0131 gereklilikler getirmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Likidite ve Fonlama Planlamas\u0131 ilk \u00f6nemli iyile\u015ftirme alan\u0131d\u0131r. Y\u00f6netmelik, belirli teknik uygulama h\u00fck\u00fcmleri arac\u0131l\u0131\u011f\u0131yla ileriye d\u00f6n\u00fck likidite ve fonlama esnekli\u011fi beklentilerini resmile\u015ftirmektedir. Her kurumun kendi i\u015f modeline, b\u00fcy\u00fckl\u00fc\u011f\u00fcne, karma\u015f\u0131kl\u0131\u011f\u0131na ve risk profiline g\u00f6re uyarlanm\u0131\u015f yaz\u0131l\u0131 bir likidite ve fonlama plan\u0131 bulundurmas\u0131 gerekmektedir. Bu plan, bankan\u0131n \u00fc\u00e7 y\u0131ll\u0131k bir ufukta hem d\u00fczenleyici hem de dahili likidite ve fonlama gerekliliklerini kar\u015f\u0131lama kabiliyetini g\u00f6stermelidir. En \u00f6nemlisi, plan stratejik planlama, kazan\u00e7 hedefleri ve b\u00fct\u00e7eleme s\u00fcreci ile yak\u0131ndan uyumlu olmal\u0131 ve sermaye planlamas\u0131 ile a\u00e7\u0131k\u00e7a entegre edilmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stres S\u0131ras\u0131nda Bilgi Sa\u011flanmas\u0131 ikinci kritik iyile\u015ftirmedir. FINMA'n\u0131n krizler s\u0131ras\u0131nda h\u0131zl\u0131 bir \u015fekilde m\u00fcdahale etme kabiliyetini g\u00fc\u00e7lendirmek i\u00e7in y\u00f6netmelik, bankalar\u0131n ger\u00e7ek veya beklenen stres durumlar\u0131nda sa\u011flamalar\u0131 gereken bilgi ve senaryo analizleri i\u00e7in \u015fekil, s\u0131kl\u0131k ve kalite gereksinimlerini belirlemektedir. Buna, talep \u00fczerine g\u00fcnl\u00fck likidite raporlar\u0131 ve ayr\u0131nt\u0131l\u0131 stres senaryosu verileri \u00fcretme kabiliyeti de dahildir. Credit Suisse krizi, denetlenen kurumlar ile d\u00fczenleyici otorite aras\u0131nda zaman\u0131nda ve do\u011fru bilgi ak\u0131\u015f\u0131n\u0131n \u00f6nemini vurgulam\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca, \u00f6nemli d\u00f6viz y\u00fck\u00fcml\u00fcl\u00fckleri olan bankalar\u0131n art\u0131k planlama \u00e7er\u00e7eveleri dahilinde potansiyel d\u00f6viz uyumsuzluklar\u0131n\u0131 ve ilgili likidite risklerini a\u00e7\u0131k\u00e7a ele almalar\u0131 gerekmektedir. Bu gereklilik, bir\u00e7ok \u0130svi\u00e7re bankas\u0131n\u0131n uluslararas\u0131 alanda faaliyet g\u00f6sterdi\u011fi ve piyasa stresi d\u00f6nemlerinde likidite bask\u0131lar\u0131n\u0131 art\u0131rabilecek \u00f6nemli d\u00f6viz risklerine maruz kald\u0131\u011f\u0131 ger\u00e7e\u011fini yans\u0131tmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finma-s-organisational-response-integrated-risk-expertise\">FINMA'n\u0131n Organizasyonel Tepkisi: Entegre Risk Uzmanl\u0131\u011f\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenleyici reformlara paralel olarak FINMA, denetim etkinli\u011fini art\u0131rmak i\u00e7in i\u00e7 yap\u0131s\u0131n\u0131 yeniden d\u00fczenlemi\u015ftir. Nisan 2025\u201cten bu yana d\u00fczenleyici kurum, likidite, sermaye, stres testleri, kredi riskleri, kara para aklamayla m\u00fccadele ve s\u00fcrd\u00fcr\u00fclebilir finans dahil olmak \u00fczere risk i\u015flevlerini ve kesi\u015fen konular\u0131 \u201dEntegre Risk Uzmanl\u0131\u011f\u0131\" (GB-I) ad\u0131 verilen yeni bir i\u015f alan\u0131nda merkezile\u015ftirmi\u015ftir. Uzmanl\u0131\u011f\u0131n bir havuzda toplanmas\u0131 entegre denetimi g\u00fc\u00e7lendirmekte ve FINMA'n\u0131n tek tek kurumlar\u0131n ve bir b\u00fct\u00fcn olarak finansal sistemin kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu risklere daha b\u00fct\u00fcnc\u00fcl bir bak\u0131\u015f a\u00e7\u0131s\u0131yla yakla\u015fmas\u0131n\u0131 sa\u011flamaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-federal-council-s-package-for-banking-stability\">Federal Konsey'in Bankac\u0131l\u0131k \u0130stikrar Paketi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenleyici evrim FINMA'n\u0131n y\u00f6netmeliklerinin \u00f6tesine uzanmaktad\u0131r. Haziran 2025'te Federal Konsey, likidite krizlerini \u00f6nlemek ve sistemik a\u00e7\u0131dan \u00f6nemli bankalar\u0131n istikrar\u0131n\u0131 art\u0131rmak i\u00e7in kapsaml\u0131 bir paket \u00f6nermi\u015ftir. Paket, sermaye gerekliliklerini art\u0131rmaya, \u0130svi\u00e7re Ulusal Bankas\u0131'n\u0131n yard\u0131m\u0131yla likiditeyi g\u00fc\u00e7lendirmeye, bir kriz s\u0131ras\u0131nda likidite yard\u0131m\u0131 konusunda devlet garantisi olarak i\u015flev g\u00f6ren bir kamu likidite deste\u011fi (PLB) olu\u015fturmaya, mevcut kriz y\u00f6netimi ara\u00e7lar\u0131n\u0131n yelpazesini geni\u015fletmeye ve \u00fcst d\u00fczey y\u00f6neticilerin de\u011fi\u015fken \u00fccretlendirme ve sorumluluk rejiminde de\u011fi\u015fiklikler yapmaya y\u00f6nelik \u00f6nlemleri i\u00e7ermektedir. Bu mevzuat projelerinin en erken Ocak 2027'de y\u00fcr\u00fcrl\u00fc\u011fe girmesi beklenmektedir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"767\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22-1024x767.png\" alt=\"Olico Uyumluluk\" class=\"wp-image-49268\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22-1024x767.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22-300x225.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22-768x575.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22-16x12.png 16w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/CleanShot-2026-03-12-at-09.11.22.png 1436w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Olico Uyumluluk<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-olico-compliance-applies-to-software-and-technology\">OLICO Uyumlulu\u011fu Yaz\u0131l\u0131m ve Teknolojiye Nas\u0131l Uygulan\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Manuel uyum s\u00fcre\u00e7lerinden otomatik, teknoloji odakl\u0131 \u00e7er\u00e7evelere ge\u00e7i\u015f, yeni LiqO-FINMA rejimi kapsam\u0131nda art\u0131k iste\u011fe ba\u011fl\u0131 de\u011fildir. Finansal kurulu\u015flar i\u00e7in, kulland\u0131klar\u0131 yaz\u0131l\u0131m ve BT altyap\u0131s\u0131, ger\u00e7ek zamanl\u0131 likidite izleme, veri b\u00fct\u00fcnl\u00fc\u011f\u00fc ve h\u0131zl\u0131 raporlama yetenekleri sa\u011flamak i\u00e7in s\u0131k\u0131 d\u00fczenleyici gereklilikleri kar\u015f\u0131lamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO uyumlulu\u011funun yaz\u0131l\u0131m i\u00e7in nas\u0131l ge\u00e7erli oldu\u011funu de\u011ferlendirirken, kurumlar birka\u00e7 kritik teknolojik boyutu g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131d\u0131r:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-real-time-data-architecture-and-integration\">1. Ger\u00e7ek Zamanl\u0131 Veri Mimarisi ve Entegrasyonu<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO taraf\u0131ndan y\u00f6nlendirilen en \u00f6nemli teknolojik de\u011fi\u015fim, g\u00fcn sonu toplu i\u015flemden ger\u00e7ek zamanl\u0131 veri mimarisine ge\u00e7i\u015ftir. Yaz\u0131l\u0131m sistemleri, birden fazla \u00f6deme sistemi, para birimi ve t\u00fczel ki\u015filikte g\u00fcn i\u00e7i pozisyonlar\u0131 ayn\u0131 anda izleyebilmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bunun i\u00e7in eski temel bankac\u0131l\u0131k sistemleri, hazine y\u00f6netimi platformlar\u0131 ve harici piyasa veri ak\u0131\u015flar\u0131 ile sorunsuz bir \u015fekilde entegre olabilen API \u00f6ncelikli bir mimari gerekir. Yaz\u0131l\u0131m, bu farkl\u0131 verileri tek bir do\u011fruluk kayna\u011f\u0131nda toplamal\u0131 ve nakit pozisyonlar\u0131n\u0131, teminatlar\u0131 ve g\u00fcnl\u00fck \u00f6deme ak\u0131\u015flar\u0131n\u0131 do\u011fru bir \u015fekilde izlemek i\u00e7in saniyenin alt\u0131nda i\u015fleme yetenekleri sa\u011flamal\u0131d\u0131r. Bu entegre veri mimarisi olmadan, bankalar Y\u00f6netmeli\u011fin 7(3) Maddesinde \u00f6ng\u00f6r\u00fclen g\u00fcn i\u00e7i likidite izleme gerekliliklerini kar\u015f\u0131layamazlar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-automated-stress-testing-and-scenario-analysis\">2. Otomatik Stres Testi ve Senaryo Analizi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA kapsam\u0131nda, bankalar likidite ve fonlama esnekliklerini \u00e7e\u015fitli stres senaryolar\u0131 alt\u0131nda \u00fc\u00e7 y\u0131ll\u0131k bir ufukta \u00f6ng\u00f6rmelidir. Bu nedenle yaz\u0131l\u0131m \u00e7\u00f6z\u00fcmleri karma\u015f\u0131k, \u00e7ok de\u011fi\u015fkenli stres testlerini y\u00fcr\u00fctebilecek geli\u015fmi\u015f hesaplama motorlar\u0131 i\u00e7ermelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu sistemler Likidite Kar\u015f\u0131lama Oran\u0131n\u0131n (LCR) ve Net \u0130stikrarl\u0131 Fonlama Oran\u0131n\u0131n (NSFR) hem temel hem de stresli ko\u015fullar alt\u0131nda hesaplanmas\u0131n\u0131 otomatikle\u015ftirmelidir. Ayr\u0131ca, yaz\u0131l\u0131m, potansiyel para birimi uyumsuzluklar\u0131 veya belirli varl\u0131k s\u0131n\u0131flar\u0131n\u0131n ani deval\u00fcasyonu gibi ortaya \u00e7\u0131kan likidite risklerini belirlemek i\u00e7in tahmine dayal\u0131 analitik ve makine \u00f6\u011frenimi algoritmalar\u0131ndan yararlanmal\u0131 ve risk y\u00f6neticilerinin proaktif d\u00fczeltici \u00f6nlemler almas\u0131na olanak sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-rapid-regulatory-reporting-and-auditability\">3. H\u0131zl\u0131 D\u00fczenleyici Raporlama ve Denetlenebilirlik<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Stres olaylar\u0131 s\u0131ras\u0131nda g\u00fcnl\u00fck likidite raporlar\u0131 sa\u011flama gereklili\u011fi, bir bankan\u0131n raporlama altyap\u0131s\u0131 \u00fczerinde b\u00fcy\u00fck bir bask\u0131 olu\u015fturmaktad\u0131r. Uyumluluk yaz\u0131l\u0131m\u0131, manuel m\u00fcdahale olmaks\u0131z\u0131n talep \u00fczerine FINMA uyumlu raporlar olu\u015fturabilen otomatik raporlama hatlar\u0131na sahip olmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En \u00f6nemlisi, yaz\u0131l\u0131m\u0131n t\u00fcm veri girdilerinin, hesaplamalar\u0131n ve raporlama \u00e7\u0131kt\u0131lar\u0131n\u0131n de\u011fi\u015fmez, zaman damgal\u0131 bir denetim izini tutmas\u0131 gerekir. Bu, kurumun d\u00fczenleyicilere herhangi bir anda belirli bir likidite \u00f6l\u00e7\u00fct\u00fcn\u00fcn tam olarak nas\u0131l elde edildi\u011fini g\u00f6sterebilmesini sa\u011flayarak denetim incelemeleri s\u0131ras\u0131nda gereken \u015feffafl\u0131\u011f\u0131 sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-24-7-operational-monitoring-and-exception-handling\">4. 7\/24 Operasyonel \u0130zleme ve \u0130stisna Y\u00f6netimi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal piyasalar k\u00fcresel olarak ve s\u00fcrekli \u00e7al\u0131\u015ft\u0131\u011f\u0131ndan, likidite y\u00f6netimi yaz\u0131l\u0131m\u0131 7\/24 operasyonel modelleri desteklemelidir. Bu, risk y\u00f6neticilerine bankan\u0131n likidite durumuna ili\u015fkin an\u0131nda g\u00f6r\u00fcn\u00fcrl\u00fck sunan ger\u00e7ek zamanl\u0131 g\u00f6sterge tablolar\u0131 sa\u011flamay\u0131 i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yaz\u0131l\u0131m, sofistike istisna i\u015fleme ve uyar\u0131 mekanizmalar\u0131 i\u00e7ermelidir. Belirli bir likidite e\u015fi\u011fi a\u015f\u0131l\u0131rsa veya g\u00fcn i\u00e7i \u00f6deme ak\u0131\u015f\u0131 beklenen kal\u0131plardan saparsa, sistem ilgili personele uyar\u0131lar\u0131 otomatik olarak tetiklemeli ve sorunlar\u0131n i\u015f g\u00fcn\u00fcn\u00fcn sonunda de\u011fil hemen ele al\u0131nmas\u0131n\u0131 sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-data-sovereignty-and-security-compliance\">5. Veri Egemenli\u011fi ve G\u00fcvenlik Uyumlulu\u011fu<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re finans kurumlar\u0131 i\u00e7in likidite y\u00f6netimi yaz\u0131l\u0131m\u0131 yaln\u0131zca OLICO gerekliliklerini kar\u015f\u0131lamakla kalmamal\u0131, ayn\u0131 zamanda revize edilmi\u015f Federal Veri Koruma Yasas\u0131 (FADP) ve \u0130svi\u00e7re bankac\u0131l\u0131k gizlili\u011fi yasalar\u0131n\u0131n kat\u0131 veri koruma standartlar\u0131na da uymal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yaz\u0131l\u0131m \u00e7\u00f6z\u00fcmleri, yetkisiz eri\u015fim ve veri ihlallerine kar\u015f\u0131 sa\u011flam siber g\u00fcvenlik korumalar\u0131 sunmal\u0131d\u0131r. Daha da \u00f6nemlisi, ister \u015firket i\u00e7i ister \u0130svi\u00e7re egemen bulutu arac\u0131l\u0131\u011f\u0131yla olsun, da\u011f\u0131t\u0131m modeli, hassas finansal ve m\u00fc\u015fteri verilerinin \u0130svi\u00e7re yarg\u0131 yetkisi dahilinde kalmas\u0131n\u0131 garanti etmeli ve yabanc\u0131 d\u00fczenleyici \u00e7er\u00e7evelere veya a\u015f\u0131r\u0131 \u00f6l\u00e7ekleyicilere maruz kalmay\u0131 \u00f6nlemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-strategic-challenges-in-achieving-olico-compliance\">OLICO Uyumlulu\u011funun Sa\u011flanmas\u0131nda Kar\u015f\u0131la\u015f\u0131lan Stratejik Zorluklar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA'n\u0131n geli\u015fmi\u015f gerekliliklerine ge\u00e7i\u015f, her b\u00fcy\u00fckl\u00fckteki finans kurumu i\u00e7in \u00e7e\u015fitli stratejik ve operasyonel zorluklar ortaya \u00e7\u0131karmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-integrating-strategic-planning-processes\">Stratejik Planlama S\u00fcre\u00e7lerinin Entegre Edilmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tarihsel olarak bir\u00e7ok banka likidite planlamas\u0131n\u0131, sermaye planlamas\u0131n\u0131 ve b\u00fct\u00e7elemeyi birbirinden ayr\u0131 silolarda y\u00f6netmi\u015ftir. Yeni d\u00fczenlemeler, likidite ve fonlama planlamas\u0131n\u0131n daha geni\u015f stratejik planlama s\u00fcrecine dahil edildi\u011fi tutarl\u0131 ve entegre bir \u00e7er\u00e7eve talep etmektedir. \u0130\u015f stratejisindeki de\u011fi\u015fikliklerin bir bankan\u0131n likidite ve fonlama profili \u00fczerindeki etkisinin de\u011ferlendirilmesi, hazine, risk y\u00f6netimi, finans ve i\u015f birimleri aras\u0131nda i\u015flevler aras\u0131 i\u015fbirli\u011fini gerektirir. Bu entegrasyon genellikle \u00f6nemli y\u00f6neti\u015fim ve operasyonel s\u00fcre\u00e7 de\u011fi\u015fikliklerinin yan\u0131 s\u0131ra stratejik planlamadan sorumlu \u00e7apraz fonksiyonel \u00e7al\u0131\u015fma gruplar\u0131n\u0131n kurulmas\u0131n\u0131 gerektirir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-enhancing-stress-testing-methodologies\">Stres Testi Metodolojilerinin Geli\u015ftirilmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fonlama kar\u0131\u015f\u0131m\u0131n\u0131n sa\u011flaml\u0131\u011f\u0131n\u0131n \u00fc\u00e7 y\u0131ll\u0131k bir ufukta ilgili stres senaryolar\u0131 alt\u0131nda de\u011ferlendirilmesi gereklili\u011fi, mevcut stres testi metodolojilerinin kapsaml\u0131 bir \u015fekilde g\u00f6zden ge\u00e7irilmesini ve geli\u015ftirilmesini gerektirmektedir. Bankalar, stratejik planlama s\u00fcre\u00e7lerinin makroekonomik de\u011fi\u015fimler, jeopolitik gerilimler, faiz oran\u0131 hareketleri ve kuruma \u00f6zg\u00fc k\u0131r\u0131lganl\u0131klar da dahil olmak \u00fczere ilgili t\u00fcm riskleri dikkate almas\u0131n\u0131 sa\u011flamal\u0131d\u0131r. Bir bankan\u0131n risk tolerans\u0131 ile likidite ve fonlama plan\u0131 aras\u0131ndaki ba\u011flant\u0131, FINMA Genelgesi 17\/01 \u201cKurumsal Y\u00f6netim - Bankalar\u201d kapsam\u0131nda zaten kurulmu\u015f olsa da, yeni \u00e7er\u00e7eve kapsam\u0131nda daha somut ve \u00f6nemli hale gelmektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-data-management-and-reporting-capabilities\">Veri Y\u00f6netimi ve Raporlama Yetenekleri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Belki de en \u00f6nemli operasyonel engel, h\u0131zl\u0131 ve y\u00fcksek kaliteli bilgi sa\u011flama gereklili\u011fidir. Bir kriz s\u0131ras\u0131nda g\u00fcnl\u00fck likidite raporlar\u0131 ve ayr\u0131nt\u0131l\u0131 senaryo analizleri \u00fcretebilmek i\u00e7in ola\u011fan\u00fcst\u00fc veri kalitesi, otomatik raporlama hatlar\u0131 ve sa\u011flam BT altyap\u0131s\u0131 gerekmektedir. Manuel s\u00fcre\u00e7ler ve par\u00e7al\u0131 eski sistemler art\u0131k bu s\u0131k\u0131 denetim beklentilerini kar\u015f\u0131lamak i\u00e7in yeterli de\u011fildir. Bankalar, birden fazla kaynaktan veri toplayabilen, karma\u015f\u0131k hesaplamalar\u0131 ger\u00e7ek zamanl\u0131 olarak yapabilen ve FINMA'n\u0131n titiz standartlar\u0131n\u0131 kar\u015f\u0131layan raporlar \u00fcretebilen teknolojiye yat\u0131r\u0131m yapmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-defining-the-role-of-the-risk-control-function\">Risk Kontrol Fonksiyonunun Rol\u00fcn\u00fcn Tan\u0131mlanmas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LiqO-FINMA kapsam\u0131ndaki yeni ve a\u00e7\u0131k gerekliliklerle birlikte, risk kontrol fonksiyonunun likidite ve fonlama planlama uygulamas\u0131ndaki rol\u00fc daha somut ve \u00f6nemli hale gelmektedir. Bankalar, risk kontrol fonksiyonunun planlama s\u00fcrecine nas\u0131l etkin bir \u015fekilde dahil edilebilece\u011fini belirlemeli, operasyonel verimlili\u011fi engelleyen darbo\u011fazlar yaratmadan yeterli zorluk ve ba\u011f\u0131ms\u0131z g\u00f6zetim sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-managing-currency-mismatches\">Para Birimi Uyu\u015fmazl\u0131klar\u0131n\u0131 Y\u00f6netme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli uluslararas\u0131 operasyonlar\u0131 olan bankalar i\u00e7in, para birimi uyumsuzluklar\u0131n\u0131n ele al\u0131nmas\u0131na y\u00f6nelik a\u00e7\u0131k gereklilik, ba\u015fka bir karma\u015f\u0131kl\u0131k katman\u0131 eklemektedir. Kurumlar, d\u00f6viz hareketlerinin likidite pozisyonlar\u0131 \u00fczerindeki etkisini de\u011ferlendirmek ve her bir \u00f6nemli para biriminde yeterli tamponlar\u0131n muhafaza edilmesini sa\u011flamak i\u00e7in sofistike modeller geli\u015ftirmelidir. Bunun i\u00e7in ger\u00e7ek zamanl\u0131 piyasa verilerine eri\u015fim ve ayn\u0131 anda birden fazla para biriminde senaryo analizleri y\u00fcr\u00fctme becerisi gerekir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-investglass-empowers-olico-compliance\">InvestGlass OLICO Uyumlulu\u011funu Nas\u0131l G\u00fc\u00e7lendiriyor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO uyumlulu\u011funun karma\u015f\u0131kl\u0131klar\u0131nda gezinmek, politika g\u00fcncellemelerinden daha fazlas\u0131n\u0131 gerektirir; ger\u00e7ek zamanl\u0131 i\u00e7g\u00f6r\u00fcler, otomatik i\u015f ak\u0131\u015flar\u0131 ve tart\u0131\u015f\u0131lmaz veri b\u00fct\u00fcnl\u00fc\u011f\u00fc sunabilen teknolojik bir temel gerektirir. <a href=\"https:\/\/www.investglass.com\/tr\/fi%cc%87nansal-hi%cc%87zmetler-i%cc%87ci%cc%87n-crm\/\" rel=\"noreferrer noopener\" target=\"_blank\">InvestGlass<\/a>, 100% \u0130svi\u00e7re egemen CRM ve otomasyon platformu, finans kurulu\u015flar\u0131n\u0131n bu kat\u0131 yasal talepleri kar\u015f\u0131lamas\u0131na yard\u0131mc\u0131 olmak i\u00e7in benzersiz bir konuma sahiptir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1024x701.png\" alt=\"Tamamen esnek CRM InvestGlass\" class=\"wp-image-47415\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Tamamen esnek CRM InvestGlass<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-swiss-sovereign-solution-for-data-privacy-and-sovereignty\">Veri Gizlili\u011fi ve Egemenli\u011fi i\u00e7in \u0130svi\u00e7re Egemen \u00c7\u00f6z\u00fcm\u00fc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Veri egemenli\u011finin \u00e7ok \u00f6nemli oldu\u011fu bir \u00e7a\u011fda InvestGlass belirgin bir avantaj sunmaktad\u0131r. Tamamen \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131lan veya \u015firket i\u00e7inde kullan\u0131labilen platform, hassas m\u00fc\u015fteri ve likidite verilerinin 1 Eyl\u00fcl 2023'te y\u00fcr\u00fcrl\u00fc\u011fe giren revize edilmi\u015f Federal Veri Koruma Yasas\u0131 (FADP) dahil olmak \u00fczere kat\u0131 \u0130svi\u00e7re veri koruma yasalar\u0131 kapsam\u0131nda kalmas\u0131n\u0131 sa\u011flar. Bu egemen altyap\u0131, \u00f6zel bankalar\u0131n kar\u015f\u0131la\u015ft\u0131\u011f\u0131 s\u0131n\u0131r \u00f6tesi veri aktar\u0131m\u0131 k\u0131s\u0131tlamalar\u0131n\u0131 ve bankac\u0131l\u0131k gizlili\u011fi gereksinimlerini ele alarak uyumluluk belgelerini y\u00f6netmek i\u00e7in g\u00fcvenli bir ortam sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veri egemenli\u011finin \u00f6nemi abart\u0131lamaz. Y\u00fcksek net de\u011fere sahip bireyler ve kurumsal yat\u0131r\u0131mc\u0131lar en \u00fcst d\u00fczeyde gizlilik ve g\u00fcvenlik talep etmektedir. Bankalar, verilerini \u0130svi\u00e7re yarg\u0131 yetkisi dahilinde korumaya kararl\u0131 bir ba\u011fl\u0131l\u0131k g\u00f6stererek, son derece rekabet\u00e7i bir pazarda kendilerini farkl\u0131la\u015ft\u0131rabilirler. InvestGlass, kurumlar\u0131n hassas verileri yabanc\u0131 hiper \u00f6l\u00e7ekleyicilere g\u00f6ndermeden yapay zeka destekli uyumluluk ve portf\u00f6y denetiminden yararlanmas\u0131n\u0131 sa\u011flar; bu, \u0130svi\u00e7re bankac\u0131l\u0131k gizlili\u011fi yasalar\u0131na tabi kurumlar i\u00e7in kritik bir husustur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-centralised-data-and-integrated-risk-management\">Merkezi Veri ve Entegre Risk Y\u00f6netimi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, t\u00fcm m\u00fc\u015fteri verileri, KYC belgeleri, risk de\u011ferlendirmeleri ve dan\u0131\u015fmanl\u0131k etkile\u015fimleri i\u00e7in merkezi havuz g\u00f6revi g\u00f6r\u00fcr. Platform, par\u00e7al\u0131 sistemleri ortadan kald\u0131rarak uyum g\u00f6revlilerine, ili\u015fki y\u00f6neticilerine ve risk ekiplerine kurumun risk profiline ili\u015fkin tek ve tutarl\u0131 bir g\u00f6r\u00fcn\u00fcm sa\u011flar. Bu merkezi yakla\u015f\u0131m, yeni LiqO-FINMA taraf\u0131ndan talep edilen entegre planlama \u00e7er\u00e7evesini do\u011frudan desteklemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Platformun <a href=\"https:\/\/www.investglass.com\/tr\/portfoyleri-yonetmek\/\" rel=\"noreferrer noopener\" target=\"_blank\">Portf\u00f6y Y\u00f6netimi<\/a> yetenekleri ger\u00e7ek zamanl\u0131 veri takibi ve uyumluluk kontrolleri sunar. Pozisyonlar\u0131n ve risklerin kapsaml\u0131 bir g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc sa\u011flayarak kurumlar\u0131n her portf\u00f6ydeki riskleri s\u0131f\u0131rlamas\u0131na olanak tan\u0131r. Bu b\u00fct\u00fcnsel g\u00f6r\u00fcn\u00fcrl\u00fck, OLICO taraf\u0131ndan zorunlu k\u0131l\u0131nd\u0131\u011f\u0131 \u00fczere, varl\u0131k ipoteklerini izlemek ve g\u00fcn i\u00e7i likidite risklerini y\u00f6netmek i\u00e7in \u00e7ok \u00f6nemlidir. \u0130potekli ve ipoteksiz varl\u0131klar\u0131 ger\u00e7ek zamanl\u0131 olarak ay\u0131rt etme ve varl\u0131klar\u0131n nas\u0131l likide edilebilece\u011fini g\u00f6sterme yetene\u011fi, InvestGlass'\u0131n entegre veri mimarisi arac\u0131l\u0131\u011f\u0131yla ele ald\u0131\u011f\u0131 temel bir uyumluluk gereksinimidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-automating-compliance-workflows-and-regulatory-reporting\">Uyumluluk \u0130\u015f Ak\u0131\u015flar\u0131n\u0131 ve D\u00fczenleyici Raporlamay\u0131 Otomatikle\u015ftirme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA'n\u0131n zorlu raporlama gereksinimlerini kar\u015f\u0131lamak i\u00e7in otomasyon \u015fartt\u0131r. InvestGlass g\u00fc\u00e7l\u00fc \u00f6zelliklere sahiptir <a href=\"https:\/\/www.investglass.com\/tr\/ri%cc%87sk-yoneti%cc%87mi%cc%87ni%cc%87-kolaylastirmak-2024-yilinda-otomati%cc%87k-uyum-i%cc%87zleme-araclari-rehberi%cc%87\/\" rel=\"noreferrer noopener\" target=\"_blank\">Otomasyon ve Onay s\u00fcre\u00e7leri<\/a> Uyumluluk g\u00f6revlerini kolayla\u015ft\u0131ran ve uyumluluk ekiplerinin \u00fczerindeki operasyonel y\u00fck\u00fc azaltan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Otomatik Denetim \u0130zleri, platformun uyumluluk yeteneklerinin temel ta\u015f\u0131d\u0131r. Her etkile\u015fim, karar ve belge al\u0131\u015fveri\u015fi zaman damgalar\u0131yla titizlikle kaydedilir ve FINMA veya SRO denetimlerini basitle\u015ftiren de\u011fi\u015fmez bir denetim izi olu\u015fturulur. Bu kapsaml\u0131 dok\u00fcmantasyon, kurumlar\u0131n talep \u00fczerine uyumlulu\u011fu g\u00f6sterebilmelerini sa\u011flar; bu, d\u00fczenleyici incelemenin artt\u0131\u011f\u0131 d\u00f6nemlerde kritik bir yetenektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zelle\u015ftirilebilir Raporlama, karma\u015f\u0131k d\u00fczenleyici raporlar\u0131n otomatik olarak olu\u015fturulmas\u0131n\u0131 sa\u011flar. Platformun veri toplama \u00f6zellikleri, bankalar\u0131n stres olaylar\u0131 s\u0131ras\u0131nda gerekli olan g\u00fcnl\u00fck likidite raporlar\u0131n\u0131 ve senaryo verilerini \u00fcretmelerine olanak tan\u0131yarak daha \u00f6nce yo\u011fun emek gerektiren manuel bir s\u00fcreci otomatik, g\u00fcvenilir bir i\u015f ak\u0131\u015f\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fcr. Raporlar, FINMA ve SNB dahil olmak \u00fczere farkl\u0131 d\u00fczenleyici kurumlar\u0131n \u00f6zel gereksinimlerini kar\u015f\u0131layacak \u015fekilde uyarlanabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yapay Zeka Destekli Uyumluluk, d\u00fczenleyici teknolojinin en ileri noktas\u0131n\u0131 temsil eder. InvestGlass \u015funlardan yararlan\u0131r <a href=\"https:\/\/www.investglass.com\/tr\/mevzuata-uygunluk-strateji%cc%87leri%cc%87nde-yapay-zekayi-opti%cc%87mi%cc%87ze-etme-faydalari\/\" rel=\"noreferrer noopener\" target=\"_blank\">D\u00fczenleyici Uyumlulukta Yapay Zeka<\/a> S\u00fcre\u00e7leri otomatikle\u015ftirmek, insan hatas\u0131n\u0131 azaltmak ve ger\u00e7ek zamanl\u0131 izleme sa\u011flamak i\u00e7in. Platformun yapay zeka yetenekleri, potansiyel uyumluluk sorunlar\u0131n\u0131 b\u00fcy\u00fcmeden \u00f6nce tespit edebilir ve reaktif d\u00fczeltme yerine proaktif risk y\u00f6netimine olanak tan\u0131r. InvestGlass egemen bir \u00e7\u00f6z\u00fcm oldu\u011fundan, t\u00fcm yapay zeka i\u015flemleri \u0130svi\u00e7re veri \u00e7evresi i\u00e7inde ger\u00e7ekle\u015fir ve hassas finansal verilerin asla yabanc\u0131 yarg\u0131 b\u00f6lgelerine maruz kalmamas\u0131n\u0131 sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-streamlined-digital-onboarding-and-kyc\">Kolayla\u015ft\u0131r\u0131lm\u0131\u015f Dijital \u0130\u015fe Al\u0131m ve KYC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Etkili likidite riski y\u00f6netimi m\u00fc\u015fteri d\u00fczeyinde ba\u015flar. Do\u011fru m\u00fc\u015fteri verileri, t\u00fcm risk modellerinin ve uyum s\u00fcre\u00e7lerinin \u00fczerine in\u015fa edildi\u011fi temeldir. InvestGlass \u015fu konularda \u00fcst\u00fcnd\u00fcr <a href=\"https:\/\/www.investglass.com\/tr\/yapay-zeka-i%cc%87le-i%cc%87se-alimi-otomati%cc%87klesti%cc%87ri%cc%87n\/\" rel=\"noreferrer noopener\" target=\"_blank\">Dijital \u0130\u015fe Al\u0131m<\/a>, K\u0131lavuzlu KYC\/AML formlar\u0131, uygunluk anketleri ve e-imza \u00f6zelliklerine sahip beyaz etiketli bir m\u00fc\u015fteri portal\u0131 sunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taraf\u0131ndan <a href=\"https:\/\/www.investglass.com\/tr\/i%cc%87se-alim-sirasinda-ri%cc%87sk-degerlendi%cc%87rmesi%cc%87-nasil-otomati%cc%87klesti%cc%87ri%cc%87li%cc%87r-2\/\" rel=\"noreferrer noopener\" target=\"_blank\">i\u015fe al\u0131m s\u0131ras\u0131nda risk de\u011ferlendirmelerinin otomatikle\u015ftirilmesi<\/a>, Kurumlar, m\u00fc\u015fteri risk profillerini ilk g\u00fcnden itibaren do\u011fru bir \u015fekilde s\u0131n\u0131fland\u0131rarak likidite modellerini besleyen temel verilerin do\u011fru ve uyumlu olmas\u0131n\u0131 sa\u011flayabilir. Bu otomatik yakla\u015f\u0131m, elektronik tablolara ve ba\u011flant\u0131s\u0131z sistemlere g\u00fcvenen kurumlar\u0131 rahats\u0131z eden manuel hatalar\u0131 ve veri tutars\u0131zl\u0131klar\u0131n\u0131 ortadan kald\u0131r\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-supporting-finma-s-behavioural-duties-and-broader-compliance\">FINMA'n\u0131n Davran\u0131\u015fsal G\u00f6revlerini ve Daha Geni\u015f Kapsaml\u0131 Uyumlulu\u011fu Desteklemek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO uyumlulu\u011fu tek ba\u015f\u0131na mevcut de\u011fildir. Finansal kurulu\u015flar, a\u015fa\u011f\u0131dakiler de dahil olmak \u00fczere \u00e7ok \u00e7e\u015fitli d\u00fczenleyici y\u00fck\u00fcml\u00fcl\u00fckleri ayn\u0131 anda yerine getirmelidir <a href=\"https:\/\/www.investglass.com\/tr\/finmas-yeni-davranissal-gorevler\/\" rel=\"noreferrer noopener\" target=\"_blank\">FINMA'n\u0131n davran\u0131\u015fsal g\u00f6revleri<\/a>, \u0130svi\u00e7re Finansal Hizmetler Yasas\u0131 (FinSA), kara para aklamay\u0131 \u00f6nleme gereklilikleri ve veri koruma d\u00fczenlemeleri. InvestGlass, tek ve entegre bir platform arac\u0131l\u0131\u011f\u0131yla bu kapsaml\u0131 uyumluluk ortam\u0131n\u0131 desteklemek i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Platformun <a href=\"https:\/\/www.investglass.com\/tr\/finsa-nasil-uygulanir\/\" rel=\"noreferrer noopener\" target=\"_blank\">FINSA uygulama yetenekleri<\/a> uygunluk de\u011ferlendirmelerinin, \u00fcr\u00fcn y\u00f6neti\u015fiminin ve m\u00fc\u015fteri dok\u00fcmantasyon gereksinimlerinin daha geni\u015f uyumluluk i\u015f ak\u0131\u015flar\u0131yla sorunsuz bir \u015fekilde entegre edilmesini sa\u011flar. Bu b\u00fct\u00fcnsel yakla\u015f\u0131m, uyumluluk bo\u015fluklar\u0131 riskini azalt\u0131r ve kurumlar\u0131n ayn\u0131 anda birden fazla d\u00fczenleyici \u00e7er\u00e7eveye ba\u011fl\u0131l\u0131k g\u00f6sterebilmelerini sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-aligning-with-finma-s-integrated-risk-expertise\">FINMA'n\u0131n Entegre Risk Uzmanl\u0131\u011f\u0131 ile Uyum<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FINMA'n\u0131n yak\u0131n zamanda risk i\u015flevlerini \u201cEntegre Risk Uzmanl\u0131\u011f\u0131\u201d (GB-I) b\u00f6l\u00fcm\u00fcnde merkezile\u015ftirmesi, d\u00fczenleyicinin denetime y\u00f6nelik b\u00fct\u00fcnsel yakla\u015f\u0131m\u0131n\u0131n alt\u0131n\u0131 \u00e7izmektedir. InvestGlass bu entegre felsefeyi yans\u0131tmaktad\u0131r. CRM, portf\u00f6y y\u00f6netimi ve uyumluluk izlemeyi tek bir platformda birle\u015ftiren InvestGlass, bankalar\u0131n i\u00e7 s\u00fcre\u00e7lerini FINMA'n\u0131n denetim beklentileriyle uyumlu hale getirmelerini sa\u011flayarak daha sorunsuz d\u00fczenleyici etkile\u015fimleri kolayla\u015ft\u0131r\u0131r ve risk y\u00f6netimine proaktif bir ba\u011fl\u0131l\u0131k g\u00f6sterir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-building-a-future-proof-compliance-framework\">Gelece\u011fe Haz\u0131r Bir Uyumluluk \u00c7er\u00e7evesi Olu\u015fturmak<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re'de likidite riskini y\u00f6neten d\u00fczenleyici ortam geli\u015fmeye devam edecektir. Ticari \u00e7at\u0131\u015fmalar, jeopolitik gerilimler, kilit pazarlarda artan devlet bor\u00e7lar\u0131 ve BT sistemlerinin artan karma\u015f\u0131kl\u0131\u011f\u0131, riskin artt\u0131\u011f\u0131 bir ortama katk\u0131da bulunmaktad\u0131r. \u00d6l\u00e7eklenebilir, uyarlanabilir uyum altyap\u0131s\u0131na bug\u00fcnden yat\u0131r\u0131m yapan finans kurulu\u015flar\u0131, yar\u0131n\u0131n zorluklar\u0131n\u0131 a\u015fmak i\u00e7in daha iyi bir konumda olacaklard\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-role-of-technology-in-regulatory-evolution\">D\u00fczenleyici Evrimde Teknolojinin Rol\u00fc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FINMA-Circular 15\/02'den yasal olarak uygulanabilir LiqO-FINMA'ya ge\u00e7i\u015f, denetim beklentilerinin kodifikasyonuna y\u00f6nelik daha geni\u015f bir e\u011filimi temsil etmektedir. D\u00fczenlemeler daha kuralc\u0131 hale geldik\u00e7e, uyum s\u00fcre\u00e7lerini otomatikle\u015ftirebilen, verileri ger\u00e7ek zamanl\u0131 olarak toplayabilen ve talep \u00fczerine raporlar olu\u015fturabilen teknoloji \u00e7\u00f6z\u00fcmlerine olan talep daha da artacakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, d\u00fczenleyici geli\u015fmelerin bir ad\u0131m \u00f6n\u00fcnde olmak i\u00e7in platformunun yeteneklerini s\u00fcrekli olarak yenilemeye ve geni\u015fletmeye kararl\u0131d\u0131r. \u0130ster yeni raporlama gereksinimlerine uyum sa\u011flamak, ister yeni teknolojileri entegre etmek veya yeni d\u00fczenleyici \u00e7er\u00e7eveler i\u00e7in deste\u011fi geni\u015fletmek olsun, InvestGlass s\u00fcrd\u00fcr\u00fclebilir uyumluluk i\u00e7in sa\u011flam bir temel sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-practical-steps-for-institutions\">Kurumlar i\u00e7in Pratik Ad\u0131mlar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO uyumluluk duru\u015flar\u0131n\u0131 g\u00fc\u00e7lendirmek isteyen finans kurulu\u015flar\u0131 a\u015fa\u011f\u0131daki pratik ad\u0131mlar\u0131 dikkate almal\u0131d\u0131r:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Ad\u0131m<\/td><td>A\u00e7\u0131klama<\/td><td>InvestGlass Yetene\u011fi<\/td><\/tr><tr><td>Bo\u015fluk De\u011ferlendirmesi<\/td><td>Mevcut likidite ve fonlama planlama \u00e7er\u00e7evelerinin yeni LiqO-FINMA gerekliliklerine g\u00f6re de\u011ferlendirilmesi.<\/td><td>Eksiklikleri belirlemek i\u00e7in kapsaml\u0131 uyumluluk izleme ve raporlama ara\u00e7lar\u0131.<\/td><\/tr><tr><td>Entegre Planlama<\/td><td>Likidite, sermaye ve b\u00fct\u00e7e planlamas\u0131n\u0131 birbirine ba\u011flayan entegre bir stratejik planlama \u00e7er\u00e7evesi geli\u015ftirmek.<\/td><td>Fonksiyonlar aras\u0131 g\u00f6r\u00fcn\u00fcrl\u00fc\u011fe sahip merkezi veri havuzu.<\/td><\/tr><tr><td>Stres Testi \u0130yile\u015ftirmesi<\/td><td>Birden fazla risk fakt\u00f6r\u00fc i\u00e7eren \u00fc\u00e7 y\u0131ll\u0131k bir ufku kapsayacak \u015fekilde stres senaryolar\u0131n\u0131 g\u00f6zden ge\u00e7irin ve geli\u015ftirin.<\/td><td>Yapay zeka destekli senaryo analizi ve ger\u00e7ek zamanl\u0131 veri toplama.<\/td><\/tr><tr><td>Raporlama Otomasyonu<\/td><td>G\u00fcnl\u00fck likidite raporlar\u0131 ve d\u00fczenleyici g\u00f6nderimler i\u00e7in otomatik raporlama hatlar\u0131 uygulay\u0131n.<\/td><td>Otomatik denetim izleri ile \u00f6zelle\u015ftirilebilir raporlama motoru.<\/td><\/tr><tr><td>Veri Egemenli\u011fi<\/td><td>T\u00fcm uyumluluk verilerinin \u0130svi\u00e7re yetki alan\u0131 i\u00e7inde veya \u015firket i\u00e7inde bar\u0131nd\u0131r\u0131ld\u0131\u011f\u0131ndan emin olun.<\/td><td>100% \u015eirket i\u00e7i da\u011f\u0131t\u0131m se\u00e7ene\u011fi ile \u0130svi\u00e7re egemen bar\u0131nd\u0131rma.<\/td><\/tr><tr><td>\u00c7apraz Fonksiyonel Y\u00f6neti\u015fim<\/td><td>Planlama s\u00fcre\u00e7lerinde risk kontrol fonksiyonu i\u00e7in net roller ve sorumluluklar belirleyin.<\/td><td>Rol tabanl\u0131 eri\u015fim kontrolleri ve onay i\u015f ak\u0131\u015flar\u0131.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Sonu\u00e7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re'de likidite riskini d\u00fczenleyen mevzuat giderek daha s\u0131k\u0131 hale gelmektedir. Rehberlikten yasal olarak uygulanabilir LiqO-FINMA y\u00f6netmeli\u011fine ge\u00e7i\u015f, sa\u011flam, ileriye d\u00f6n\u00fck likidite ve fonlama planlamas\u0131n\u0131n kritik \u00f6neminin alt\u0131n\u0131 \u00e7izmektedir. \u0130svi\u00e7re bankalar\u0131 ve menkul k\u0131ymet firmalar\u0131 i\u00e7in OLICO uyumlulu\u011fu, entegre s\u00fcre\u00e7ler, geli\u015fmi\u015f stres testi ve \u00fcst\u00fcn veri y\u00f6netimi yetenekleri gerektiren stratejik bir zorunluluktur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, bu zorluklar\u0131n \u00fcstesinden gelmek i\u00e7in gereken kapsaml\u0131, otomatik ve egemen teknolojik altyap\u0131y\u0131 sa\u011flar. Verileri merkezile\u015ftirerek, uyumluluk i\u015f ak\u0131\u015flar\u0131n\u0131 otomatikle\u015ftirerek ve ger\u00e7ek zamanl\u0131 risk g\u00f6r\u00fcn\u00fcrl\u00fc\u011f\u00fc sa\u011flayarak InvestGlass, finansal kurulu\u015flar\u0131n yaln\u0131zca mevzuata uyumlulu\u011fu sa\u011flamalar\u0131n\u0131 de\u011fil, ayn\u0131 zamanda bunu rekabet avantaj\u0131na d\u00f6n\u00fc\u015ft\u00fcrmelerini de sa\u011flar. G\u00fcven, \u015feffafl\u0131k ve esnekli\u011fin nihai farkl\u0131la\u015ft\u0131r\u0131c\u0131lar oldu\u011fu bir pazarda, do\u011fru teknoloji orta\u011f\u0131 t\u00fcm fark\u0131 yaratabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass'\u0131n uyumluluk s\u00fcre\u00e7lerinizi nas\u0131l kolayla\u015ft\u0131rabilece\u011fini ve kurumunuzun operasyonel direncini nas\u0131l g\u00fc\u00e7lendirebilece\u011fini ke\u015ffetmek i\u00e7in <a href=\"https:\/\/www.investglass.com\/tr\/fi%cc%87nansal-hi%cc%87zmetler-i%cc%87ci%cc%87n-crm\/\" rel=\"noreferrer noopener\" target=\"_blank\">Finansal Hizmetler i\u00e7in CRM<\/a> veya hakk\u0131nda daha fazla bilgi edinin <a href=\"https:\/\/www.investglass.com\/tr\/uluslararasi-uyum-standartlari-nasil-karsilanir\/\" rel=\"noreferrer noopener\" target=\"_blank\">uluslararas\u0131 uyumluluk standartlar\u0131n\u0131n kar\u015f\u0131lanmas\u0131<\/a> Bug\u00fcn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1. OLICO \u0130svi\u00e7re bankac\u0131l\u0131k mevzuat\u0131nda ne anlama gelmektedir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OLICO, Bankalar\u0131n ve Menkul K\u0131ymet Firmalar\u0131n\u0131n Likiditesine \u0130li\u015fkin Y\u00f6netmeli\u011fin (Likidite Y\u00f6netmeli\u011fi, LiqO) Frans\u0131zca terimi olan Ordonnance sur les liquidit\u00e9s'i ifade eder. \u0130svi\u00e7re'deki finansal kurulu\u015flar i\u00e7in likidite gerekliliklerini d\u00fczenleyen birincil yasal \u00e7er\u00e7evedir ve SR 952.06 alt\u0131nda kodlanm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Likidite Y\u00f6netmeli\u011fi'nin (LiqO) temel ama\u00e7lar\u0131 nelerdir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">LiqO'nun temel amac\u0131, bankalar\u0131n ve hesap sahibi menkul k\u0131ymet firmalar\u0131n\u0131n, ciddi stres durumlar\u0131 da dahil olmak \u00fczere, her zaman \u00f6deme y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmek i\u00e7in yeterli likiditeye sahip olmalar\u0131n\u0131 sa\u011flamakt\u0131r. Likidite krizlerini ve banka bat\u0131\u015flar\u0131n\u0131 \u00f6nlemek i\u00e7in hem niteliksel y\u00f6neti\u015fim gereklilikleri hem de niceliksel \u00f6l\u00e7\u00fctler (LCR ve NSFR) belirler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. Likidite Kar\u015f\u0131lama Oran\u0131 (LCR) nedir ve neden \u00f6nemlidir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">LCR, bankalar\u0131n 30 g\u00fcnl\u00fck bir stres senaryosunda toplam net nakit \u00e7\u0131k\u0131\u015flar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in yeterli miktarda ipoteksiz Y\u00fcksek Kaliteli Likit Varl\u0131k (HQLA) stoku bulundurmalar\u0131n\u0131 zorunlu k\u0131lan nicel bir gerekliliktir. Asgari gereklilik 100%'dir. Bankalar\u0131n d\u0131\u015f yard\u0131ma ihtiya\u00e7 duymadan k\u0131sa vadeli likidite \u015foklar\u0131na dayanabilmelerini sa\u011flad\u0131\u011f\u0131 i\u00e7in \u00f6nemlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. Net \u0130stikrarl\u0131 Fonlama Oran\u0131n\u0131n (NSFR) LCR'den fark\u0131 nedir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">LCR k\u0131sa vadeli (30 g\u00fcnl\u00fck) likidite dayan\u0131kl\u0131l\u0131\u011f\u0131na odaklan\u0131rken, NSFR orta ve uzun vadeli fonlama istikrar\u0131n\u0131 ele almaktad\u0131r. Bankalar\u0131n bir y\u0131ll\u0131k bir ufukta bilan\u00e7o i\u00e7i ve d\u0131\u015f\u0131 faaliyetleriyle ilgili olarak istikrarl\u0131 bir fonlama profili s\u00fcrd\u00fcrmelerini ve k\u0131sa vadeli toptan fonlamaya a\u015f\u0131r\u0131 derecede g\u00fcvenmemelerini gerektirir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. Yeni LiqO-FINMA nedir ve d\u00fczenleyici ortam\u0131 nas\u0131l de\u011fi\u015ftirir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA, \u00f6nceki FINMA Genelgesi 15\/02 \u201cLikidite - Bankalar \u201d\u0131n yerini alan g\u00fcncellenmi\u015f bir y\u00f6netmeliktir. Mevcut denetim rehberli\u011fini yasal olarak uygulanabilir h\u00fck\u00fcmler haline getirerek, \u00fc\u00e7 y\u0131ll\u0131k bir ufukta likidite ve fonlama planlamas\u0131 i\u00e7in daha kat\u0131 gereklilikler ve g\u00fcnl\u00fck likidite raporlama yetenekleri de dahil olmak \u00fczere stres olaylar\u0131 s\u0131ras\u0131nda geli\u015fmi\u015f bilgi sa\u011flama getirmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6. Yeni LiqO-FINMA'n\u0131n ne zaman y\u00fcr\u00fcrl\u00fc\u011fe girmesi bekleniyor?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni LiqO-FINMA y\u00f6netmeli\u011finin 3 Temmuz 2025 tarihinde ba\u015flayan ve 29 Eyl\u00fcl 2025 tarihine kadar devam edecek olan isti\u015fare s\u00fcrecinin ard\u0131ndan 1 Ocak 2027 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmesi beklenmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7. Orant\u0131l\u0131l\u0131k ilkesi OLICO uyumlulu\u011funa nas\u0131l uygulan\u0131r?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Orant\u0131l\u0131l\u0131k, d\u00fczenleyici gerekliliklerin bir kurumun b\u00fcy\u00fckl\u00fc\u011f\u00fcne, karma\u015f\u0131kl\u0131\u011f\u0131na ve risk profiline g\u00f6re \u00f6l\u00e7eklendirilmesi anlam\u0131na gelir. Sistemik \u00f6neme sahip bankalar, SNB'ye ayl\u0131k g\u00f6nderimler de dahil olmak \u00fczere kapsaml\u0131 planlama ve raporlama gereklilikleriyle kar\u015f\u0131 kar\u015f\u0131ya kal\u0131rken, 4. ve 5. kategorilerdeki daha k\u00fc\u00e7\u00fck bankalar likidite planlamas\u0131 ve stres testi i\u00e7in basitle\u015ftirilmi\u015f yakla\u015f\u0131mlar benimseyebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">8. OLICO uyumlulu\u011fu i\u00e7in \u0130svi\u00e7re egemen CRM neden \u00f6nemlidir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass gibi bir \u0130svi\u00e7re egemen CRM, t\u00fcm hassas m\u00fc\u015fteri ve uyumluluk verilerinin kat\u0131 veri koruma yasalar\u0131 (FADP) ve bankac\u0131l\u0131k gizlili\u011fi d\u00fczenlemeleri kapsam\u0131nda \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131lmas\u0131n\u0131 sa\u011flar. Bu, yetkisiz s\u0131n\u0131r \u00f6tesi veri aktar\u0131mlar\u0131n\u0131 \u00f6nler ve OLICO uyumlulu\u011fu i\u00e7in gereken hassas finansal verilerin y\u00f6netilmesi i\u00e7in g\u00fcvenli bir ortam sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">9. InvestGlass, yeni LiqO-FINMA kapsam\u0131nda FINMA raporlama gerekliliklerine nas\u0131l yard\u0131mc\u0131 olabilir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, karma\u015f\u0131k d\u00fczenleyici raporlar\u0131n olu\u015fturulmas\u0131n\u0131 otomatikle\u015ftirir ve de\u011fi\u015fmez denetim izlerini korur. Sa\u011flam veri toplama yetenekleri, bankalar\u0131n stres olaylar\u0131 s\u0131ras\u0131nda FINMA taraf\u0131ndan istenen g\u00fcnl\u00fck likidite raporlar\u0131n\u0131 ve senaryo analizlerini h\u0131zl\u0131 bir \u015fekilde \u00fcretmelerini sa\u011flarken, yapay zeka destekli uyumluluk ara\u00e7lar\u0131 ger\u00e7ek zamanl\u0131 izleme ve proaktif risk tan\u0131mlama sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">10. InvestGlass ayn\u0131 anda birden fazla \u0130svi\u00e7re d\u00fczenleyici \u00e7er\u00e7evesine uyumu destekleyebilir mi?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evet, InvestGlass OLICO\/LiqO, FinSA\/FinIA, FINMA davran\u0131\u015fsal g\u00f6revleri, kara para aklamay\u0131 \u00f6nleme d\u00fczenlemeleri, GDPR ve \u0130svi\u00e7re FADP dahil olmak \u00fczere birden fazla d\u00fczenleyici \u00e7er\u00e7eveyi destekleyen kapsaml\u0131 bir uyumluluk platformu olarak tasarlanm\u0131\u015ft\u0131r. InvestGlass, t\u00fcm uyumluluk s\u00fcre\u00e7lerini tek bir platformda merkezile\u015ftirerek, birden fazla ba\u011flant\u0131s\u0131z sistemin kullan\u0131lmas\u0131ndan kaynaklanan silolar\u0131 ve tutars\u0131zl\u0131klar\u0131 ortadan kald\u0131r\u0131r.<\/p>","protected":false},"excerpt":{"rendered":"<p>What happens when one of the world\u2019s most trusted financial systems faces a shock? How should banks prepare when liquidity can vanish overnight? And are Swiss financial institutions truly ready for the next regulatory era? The Swiss financial sector, renowned globally for its stability and precision, is undergoing a profound regulatory transformation. In the wake [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[968,1356],"class_list":["post-49267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-compliance","tag-swiss-sovereign"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OLICO Compliance: Understanding New Regulations | InvestGlass<\/title>\n<meta name=\"description\" content=\"Explore OLICO Compliance and its impact on the Swiss financial sector&#039;s regulatory landscape and liquidity risk management.\" \/>\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\/olico-uyumlulugunda-uzmanlasmak-i\u0307svi\u0307cre-fi\u0307nans-kuruluslari-i\u0307ci\u0307n-kapsamli-bi\u0307r-rehber\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mastering OLICO Compliance: A Comprehensive Guide for Swiss Financial Institutions\" \/>\n<meta property=\"og:description\" content=\"What happens when one of the world\u2019s most trusted financial systems faces a shock? 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