Risk Management System

With Effective Risk Management, we can safely build for the future!


With Effective Risk Management, we can safely build for the future!


We manage and analyze the risk/return framework of our future cash flow and the quality and quality of the operations we carry out based on this framework, using the Şekerbank Risk Management System. By detecting, evaluating, controlling, and managing risks that may emerge from our Bank's strategies and operations through the decisions we make and the practices we adopt, all of which are based on the strategy, policy, limitation, and implementation principles we have established.

More about our Risk Management System.


The following decision-making and implementation methods, as well as monitoring, auditing, and control systems, are included in the structure of the Şekerbank Risk Management System:

  • Board of Directors
  • senior management
  • Risk Management Department within the scope of internal systems
  • Committees organized by the senior management within the size of the Risk Management System
  • Committees organized by the Board of Directors within the scope of the Risk Management System

  • The financial structure of Şekerbank must be maintained in its entirety.
  • The Bank should implement transparency and corporate governance principles.
  • The Risk Management System should be activated. Regarding portfolio design and pricing, as well as authorization levels within units, the Risk Management System should be used efficiently. The Performance Management System (PMS) should be activated.
  • Following the Risk Management System, the Bank's growth strategy, risk appetite, and growth activities should be defined.
  • Our Bank's capital level should be set in accordance with our risk appetite.

  • Building a corporate risk culture throughout our Bank by applying the Risk Management System's practical risk management objectives, strategies, and policies.
  • The application principles are revealed, allowing for the determination of risk limits and successful management.
  • Improving our Bank's financial health to the highest level possible.
  • Accurately and fulfilling the Bank's obligations.
  • Determining the Bank's risk appetite concerning the activities and strategies.
  • Calculating our Bank's capital level in accordance with our risk appetite.

  • The Board of Directors determines and structures the essential concepts of our Bank's Risk Management System.
  • The Risk Management System and related activities are regulated and actively monitored and controlled.
  • Policies, strategies, risk limitations, and application principles are constructed in line with the criteria of our Bank's strategy and objectives, considering changing conditions.
  • The Bank's division of responsibilities for related tasks is organized to prevent errors and fraud, resource misuse, and information manipulation.
  • It is ensured throughout the Bank that the units, committees, and personnel's responsibilities, authorities, and obligations are established and expressed in written form.
  • It is assured that the information technology infrastructure is suitable for our Bank's strategy and activities and the complexity and structure of the recently launched products.
  • The Bank's information technology systems infrastructure is organized to monitor, measure, control, and timely effective reporting of risks that the Bank may be exposed to as a result of its strategy and operations.
  • Within information security, information flow is delivered horizontally and vertically to employees and corresponding management levels within the Bank's organizational structure.
  • The Bank's strategies and objectives, risk limits, policies, and implementation principles are fully communicated to all relevant management levels and employees.

  • Determination of risk limits.
  • Effective distribution mechanisms, including decision-making mechanisms
  • Effective information flow channels, including financial and managerial reporting channels
  • Effectively structured risk-focused internal control activities
  • Business Continuity and Emergency Planning

The Risk Management System is processed as a whole, constructed to integrate the relevant procedures, and risk awareness is generated in terms of information technologies and management, organizational, and operational processes. All of Şekerbank's operations are covered by the Risk Management System. The system's operation is the responsibility of our Bank's employees at all levels. The Risk Management System is built to incorporate subsidiaries and affiliates within the scope of consolidation.