{"id":19554,"date":"2021-06-07T10:41:55","date_gmt":"2021-06-07T10:41:55","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=19554"},"modified":"2022-06-09T13:24:59","modified_gmt":"2022-06-09T13:24:59","slug":"banka-musteri-sirri-yonetmeligi-yayimlandi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/06\/07\/banka-musteri-sirri-yonetmeligi-yayimlandi\/","title":{"rendered":"Banka M\u00fc\u015fteri S\u0131rr\u0131 Y\u00f6netmeli\u011fi Yay\u0131mland\u0131"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#8221;<strong>Kanun<\/strong>&#8221;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlara ili\u015fkin kapsam, \u015fekil, usul ve esaslar\u0131 belirleme veya bunlara ili\u015fkin s\u0131n\u0131rlamalar getirme konusunda Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunu (&#8221;<strong>BDDK<\/strong>&#8221;) yetkili k\u0131lmakta. Bu kapsamda BDDK daha \u00f6nce <strong><a href=\"https:\/\/bakerxchange.com\/collect\/click.aspx?u=Um5jQ1ZCbHFuT05lbXo3S3dzS3dhTEp2NzlaVFFxa2M3bnpTNEo4aEZ0Vmp4clVsY0dEdytYWlBLZ1Y0OVBzWTZ0R3J6ZVo0WFJNVWVNUWpudDdURFlmWVR6Q1JDT21TT1ova3NIT3FoUEE1aWFOT3EvMUQ2VUVJRmNRbHFaWkM1MUVXM2JDczZwSmRHdVNRWGtSMklScnk4ak42UnlaM3I1M0NpN3ZDeGs0PQ==&amp;rh=ff007b131a10763a1e4eac528b40b4727ef96cdb\">23 \u015eubat 2021 tarihli Hukuk B\u00fcltenimizde<\/a><\/strong> ele ald\u0131\u011f\u0131m\u0131z \u00fczere, S\u0131r Niteli\u011findeki Bilgilerin Payla\u015f\u0131lmas\u0131 Hakk\u0131nda Y\u00f6netmelik Tasla\u011f\u0131&#8217;n\u0131 yay\u0131mlam\u0131\u015ft\u0131. 4 Haziran 2021 ve 31501 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanan &#8220;S\u0131r Niteli\u011findeki Bilgilerin Payla\u015f\u0131lmas\u0131 Hakk\u0131nda Y\u00f6netmelik&#8221; (&#8220;<strong>Y\u00f6netmelik<\/strong>&#8220;) uyar\u0131nca bu d\u00fczenleme, \u00e7e\u015fitli de\u011fi\u015fiklikler ile birlikte 1 Ocak 2022 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<p><strong>Y\u00f6netmelik Ne Getiriyor?<\/strong><\/p>\n<p>\u2022 <strong>S\u0131r Saklama Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc:<\/strong><\/p>\n<ul>\n<li>Y\u00f6netmelik uyar\u0131nca s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc, Kanun&#8217;un 73. maddesine paralel \u015fekilde kaleme al\u0131nm\u0131\u015f durumda. Bu ba\u011flamda banka ve m\u00fc\u015fteri s\u0131rr\u0131n\u0131n kanunen yetkili k\u0131l\u0131nan merciler d\u0131\u015f\u0131nda ba\u015fkas\u0131na a\u00e7\u0131klanamayaca\u011f\u0131 vurgulan\u0131yor.<\/li>\n<li>S\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin otomatik olmayan ya da herhangi bir veri kay\u0131t sisteminin par\u00e7as\u0131 olmayan y\u00f6ntemlerle elde edilmesi ve \u00f6\u011frenilmesi halinde de ge\u00e7erli oldu\u011fu belirtiliyor.<\/li>\n<li>Bir ger\u00e7ek veya t\u00fczel ki\u015fi m\u00fc\u015fterinin, bankan\u0131n m\u00fc\u015fterisi oldu\u011funu g\u00f6sterir her t\u00fcrl\u00fc bilgi de m\u00fc\u015fteri s\u0131rr\u0131 kapsam\u0131nda say\u0131l\u0131yor.<\/li>\n<li>Ayr\u0131ca, m\u00fc\u015fteri ili\u015fkisi kurulmam\u0131\u015f olsa dahi ba\u015fka bir banka nezdinde bulunan m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin elde edilmesi ve \u00f6\u011frenilmesi de s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne t\u00e2bi kabul ediliyor.<\/li>\n<\/ul>\n<ul>\n<li><strong>\u0130stisnalar:<\/strong><\/li>\n<\/ul>\n<ul>\n<li>Y\u00f6netmelik, s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden istisna tutulan halleri detayl\u0131 olarak a\u00e7\u0131kl\u0131yor. Banka s\u0131rr\u0131 ya da m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin bu konuda kanunen a\u00e7\u0131k\u00e7a yetkili k\u0131l\u0131nan merciler ile payla\u015f\u0131lmas\u0131nda herhangi bir ek k\u0131s\u0131tlama \u00f6ng\u00f6r\u00fclmezken, Y\u00f6netmelik&#8217;te say\u0131lan di\u011fer istisna hallerinde payla\u015f\u0131m\u0131n s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131l\u0131k te\u015fkil etmemesi i\u00e7in iki \u015fart \u00f6ng\u00f6r\u00fcl\u00fcyor:\n<ul>\n<li>Gizlilik s\u00f6zle\u015fmesi yap\u0131lmas\u0131<\/li>\n<li>Sadece belirtilen ama\u00e7lar ile s\u0131n\u0131rl\u0131 kal\u0131nmas\u0131<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Bu bak\u0131mdan Y\u00f6netmelik de Kanun&#8217;da da yer alan d\u00f6rt istisnaya yer verirken, bu istisnalar i\u00e7inde yer alan konsolide finansal tablo haz\u0131rlama \u00e7al\u0131\u015fmalar\u0131 ve risk y\u00f6netimi ve i\u00e7 denetim uygulamalar\u0131 kapsam\u0131nda bilgi payla\u015f\u0131m\u0131na izin verilen hallerin kapsam\u0131n\u0131 netle\u015ftiriyor. Y\u00f6netmelik ayr\u0131ca konsolide finansal tablo haz\u0131rlama \u00e7al\u0131\u015fmalar\u0131, risk y\u00f6netimi ve i\u00e7 denetim uygulamalar\u0131 kapsam\u0131nda yap\u0131lacak payla\u015f\u0131mlarda aktar\u0131m yap\u0131lan t\u00fcm \u00fc\u00e7\u00fcnc\u00fc taraflara ili\u015fkin bilgilerin, ilgili gizlilik s\u00f6zle\u015fmesinin bir \u00f6rne\u011finin, ger\u00e7ekle\u015ftirilen payla\u015f\u0131m ama\u00e7lar\u0131n\u0131n ve s\u0131r niteli\u011findeki bilgilerin g\u00fcvenli\u011finin sa\u011flanmas\u0131 i\u00e7in al\u0131nan tedbirlerin alt\u0131 ayl\u0131k d\u00f6nemler halinde ve kritik bir de\u011fi\u015fiklik olmas\u0131 durumunda derhal BDDK&#8217;ya raporlanmas\u0131n\u0131 gerekli k\u0131l\u0131yor. Bu payla\u015f\u0131mlara ili\u015fkin bilgilerin ayr\u0131ca denetime haz\u0131r \u015fekilde banka nezdinde saklanmas\u0131 gerekecek.<\/li>\n<li>Bu istisnalara ek olarak, Y\u00f6netmelik genel bir istisna hali daha \u00f6ng\u00f6r\u00fcyor. Buna g\u00f6re, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011finde olmay\u0131p yaln\u0131zca bankaya ait bilgileri i\u00e7eren banka s\u0131rr\u0131 niteli\u011findeki bilgiler, banka y\u00f6netim kurulu karar\u0131 ile banka sorumlulu\u011funda \u00fc\u00e7\u00fcnc\u00fc taraflar ile payla\u015f\u0131labilecek. Bu bilgilerin BDDK muadili yabanc\u0131 mercilerle payla\u015f\u0131lmas\u0131 i\u00e7in ise BDDK&#8217;ya yaz\u0131l\u0131 bildirimde bulunulmas\u0131 gerekecek. Ayr\u0131ca banka y\u00f6netim kurulu bu yetkisini ilgili usul ve esaslar\u0131 belirlemek kayd\u0131yla banka genel m\u00fcd\u00fcrl\u00fc\u011f\u00fcne devredebilecek.<\/li>\n<li>Y\u00f6netmelik uyar\u0131nca kamu kurum ve kurulu\u015flar\u0131na m\u00fc\u015fteri talebi ile verilen m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin, bankalar, Risk Merkezi veya en az be\u015f banka ya da finansal kurulu\u015f taraf\u0131ndan kurulmu\u015f \u015firketlerce yaln\u0131zca do\u011fru olup olmad\u0131\u011f\u0131n\u0131n teyit edilmesi, s\u00f6z konusu teyidin ger\u00e7ekle\u015ftirilmesi i\u00e7in m\u00fc\u015fteri talebinin al\u0131nm\u0131\u015f olmas\u0131 \u015fart\u0131yla s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131l\u0131k te\u015fkil etmeyecek.<\/li>\n<li>Y\u00f6netmelik uyar\u0131nca bankalar\u0131n taraf oldu\u011fu uyu\u015fmazl\u0131klarla ilgili olgular\u0131n ispat\u0131 i\u00e7in zorunlu olmas\u0131 halinde, s\u00f6z konusu uyu\u015fmazl\u0131\u011f\u0131n taraf\u0131 olan ki\u015filere ait m\u00fc\u015fteri s\u0131rr\u0131 veya banka s\u0131rr\u0131 niteli\u011findeki bilgiler yetkili makamlarla veya bankay\u0131 temsil etmeye yetkili ki\u015filerle payla\u015f\u0131labilecek.<\/li>\n<li>Son olarak, 5549 say\u0131l\u0131 Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun kapsam\u0131nda bir finansal gruba ba\u011fl\u0131 kurulu\u015flar\u0131n, m\u00fc\u015fterinin tan\u0131nmas\u0131yla hesap ve i\u015flemlere ili\u015fkin olarak finansal grup i\u00e7erisinde bilgi payla\u015f\u0131m\u0131nda bulunmas\u0131 s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131l\u0131k te\u015fkil etmeyecek.<\/li>\n<\/ul>\n<ul>\n<li><strong>Bilgi Payla\u015f\u0131m \u0130lkeleri:<\/strong> Y\u00f6netmelik ayr\u0131ca s\u0131r niteli\u011findeki bilgilerin payla\u015f\u0131lmas\u0131na ili\u015fkin genel ilkeleri de d\u00fczenliyor.M\u00fc\u015fteri s\u0131rr\u0131 ve banka s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m\u0131n\u0131n \u00f6l\u00e7\u00fcl\u00fcl\u00fck ilkesine uygun olmas\u0131 gerekecek. Payla\u015f\u0131lan verilerin bir k\u0131sm\u0131 olmadan da belirtilen amac\u0131n ger\u00e7ekle\u015fmesi sa\u011flanabiliyor ise payla\u015f\u0131m\u0131n \u00f6l\u00e7\u00fcl\u00fc olmad\u0131\u011f\u0131 kabul edilecek.\n<p>Bu hususta, payla\u015f\u0131mlar payla\u015f\u0131m amac\u0131n\u0131n gerektirdi\u011fi kadar veri i\u00e7ermeli ve payla\u015f\u0131lan verilerin ama\u00e7 i\u00e7in gerekli oldu\u011fu g\u00f6sterilebilir olmal\u0131. Ayr\u0131ca, payla\u015f\u0131lacak verilerin toplula\u015ft\u0131r\u0131lmas\u0131, kimliksizle\u015ftirilmesi ya da anonim hale getirilmesi ile ama\u00e7 ger\u00e7ekle\u015ftirilebiliyorsa, bu y\u00f6ntemlerin uygulanmas\u0131 gerekecek. Bilgisi payla\u015f\u0131lacak m\u00fc\u015fteri ayn\u0131 zamanda ana ortakl\u0131k, hakim ortak ya da grup \u015firketinin de m\u00fc\u015fterisi de\u011filse, kural olarak bu taraflarla payla\u015f\u0131lacak s\u0131r niteli\u011finde bilgilerin an\u0131lan m\u00fc\u015fterinin kimli\u011fini belirli veya belirlenebilir k\u0131lacak nitelikte olmamas\u0131 gerekecek. Ayr\u0131ca bilgi payla\u015f\u0131m\u0131n\u0131n m\u00fcmk\u00fcn olan en az veri kopyas\u0131n\u0131 olu\u015fturacak \u015fekilde kurgulanmas\u0131 gerekecek.<\/p>\n<p>M\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki verilerin, s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden istisna tutulan haller haricinde yurt i\u00e7i ve yurt d\u0131\u015f\u0131ndaki \u00fc\u00e7\u00fcnc\u00fc ki\u015filere payla\u015f\u0131m\u0131 i\u00e7in a\u00e7\u0131k r\u0131za tek ba\u015f\u0131na yeterli olmay\u0131p m\u00fc\u015fterinin talebi veya talimat\u0131n\u0131n bulunmas\u0131 gerekecek. M\u00fc\u015fteri talep ve talimatlar\u0131 yaz\u0131l\u0131 \u015fekilde ya da veri saklay\u0131c\u0131s\u0131 yoluyla al\u0131nabilecek. M\u00fc\u015fterinin talep ya da talimat\u0131, talep ya da talimat\u0131n al\u0131nd\u0131\u011f\u0131 ayn\u0131 y\u00f6ntemlerle m\u00fc\u015fteri taraf\u0131ndan istenildi\u011finde iptal edilebilir veya de\u011fi\u015ftirilebilir olmak kayd\u0131yla, birden \u00e7ok i\u015flemi kapsayabilecek ve s\u00fcreklilik arz eden i\u015flemlere y\u00f6nelik talep ya da talimat s\u00fcresiz olabilecek. Kural olarak m\u00fc\u015fteri vermi\u015f oldu\u011fu talep veya talimatlar\u0131 elektronik bankac\u0131l\u0131k kanallar\u0131ndan sorgulayabilecek.<br \/>\nM\u00fc\u015fterinin talep ya da talimat\u0131 \u00fczerine yap\u0131lacak payla\u015f\u0131mlarda \u00f6l\u00e7\u00fcl\u00fcl\u00fck ilkesine uyulup uyulmad\u0131\u011f\u0131, m\u00fc\u015fterinin payla\u015f\u0131lmas\u0131n\u0131 talep etti\u011fi veri seti ba\u015fka ki\u015filere ili\u015fkin s\u0131r niteli\u011finde bilgiler i\u00e7ermiyor ise, m\u00fc\u015fterinin talep ya da talimat\u0131na uyulup uyulmad\u0131\u011f\u0131 ile s\u0131n\u0131rl\u0131 olarak de\u011ferlendirilecek.<\/p>\n<p>M\u00fc\u015fteri s\u0131rr\u0131 olsa dahi, sa\u011fl\u0131k ve cinsel hayata ili\u015fkin ki\u015fisel verilerin s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden istisna hallere dayan\u0131larak yurt i\u00e7indeki ya da yurtd\u0131\u015f\u0131ndaki taraflarla payla\u015f\u0131lmas\u0131 m\u00fcmk\u00fcn olmayacak.<br \/>\nY\u00f6netmelik uyar\u0131nca,<\/p>\n<p>(i) i\u015flemin do\u011fas\u0131 gere\u011fi banka, \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131, \u00f6deme, menkul k\u0131ymet mutabakat veya mesajla\u015fma sistemleri ile etkile\u015fimin gerekli oldu\u011fu ve<br \/>\n(ii) i\u015flemin tamamlanmas\u0131 i\u00e7in m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131lmas\u0131n\u0131n i\u015fleminin zorunlu unsuru oldu\u011fu<\/p>\n<p>yurt i\u00e7i\/yurt d\u0131\u015f\u0131 fon transferi, yurt d\u0131\u015f\u0131 akreditif, teminat mektubu, referans mektubu gibi i\u015flemler i\u00e7in, i\u015flemin m\u00fc\u015fteri taraf\u0131ndan ba\u015flat\u0131lmas\u0131 ya da elektronik bankac\u0131l\u0131k hizmetlerine y\u00f6nelik da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden m\u00fc\u015fteri taraf\u0131ndan emir girilmesi, verilerin payla\u015f\u0131lmas\u0131na ili\u015fkin m\u00fc\u015fteri talebi veya talimat\u0131 yerine ge\u00e7ecektir.<\/p>\n<p>\u2022 <strong>Bilgi Payla\u015f\u0131m Komitesi: <\/strong>Y\u00f6netmelik&#8217;in 7. maddesi bankalar i\u00e7in &#8221;Bilgi Payla\u015f\u0131m Komitesi&#8221; kurma zorunlulu\u011fu \u00f6ng\u00f6r\u00fcyor. Bu kapsamda Y\u00f6netmelik ile komitenin nas\u0131l te\u015fekk\u00fcl edece\u011fi de a\u00e7\u0131klanmaktad\u0131r.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Y\u00f6netmelik ile<\/li>\n<\/ul>\n<ul>\n<li>S\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc, bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn istisnalar\u0131n\u0131n ve m\u00fc\u015fteri s\u0131rr\u0131 kavram\u0131n\u0131n netle\u015ftirilmesi,<\/li>\n<li>Kanun&#8217;un 73. maddesinin d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131nda belirtilen s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden istisna tutulan hallerde yap\u0131lacak payla\u015f\u0131mlar da d\u00e2hil olmak \u00fczere, s\u0131r niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlar\u0131na ili\u015fkin genel ilkeler ile usul ve esaslar\u0131n belirlenmesi<\/li>\n<\/ul>\n<p>ama\u00e7lan\u0131yor.<\/p>\n<p>1 Ocak 2022&#8217;de Y\u00f6netmelik&#8217;in y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birlikte Kanun&#8217;un 73. maddesinin uygulama kapsam\u0131na ili\u015fkin bir\u00e7ok soru i\u015fareti giderilmi\u015f olacak.<\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\" width=\"672\"><strong>M\u00fc\u015fteri S\u0131rlar\u0131n\u0131n Payla\u015f\u0131lmas\u0131<\/strong><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" width=\"672\">M\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgiler, s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc kapsam\u0131nda ancak m\u00fc\u015fteri talebi veya talimat\u0131na istinaden yurt i\u00e7indeki ve yurt d\u0131\u015f\u0131ndaki \u00fc\u00e7\u00fcnc\u00fc ki\u015fileri ile payla\u015f\u0131labilir.<br \/>\nM\u00fc\u015fteri s\u0131rlar\u0131, bankac\u0131l\u0131k mevzuat\u0131 kapsam\u0131nda a\u015fa\u011f\u0131daki hallerde m\u00fc\u015fteriden ayr\u0131ca talep veya talimat al\u0131nmaks\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle payla\u015f\u0131labilir.<\/td>\n<\/tr>\n<tr>\n<td width=\"336\"><strong>M\u00fc\u015fteri Talebi veya Talimat\u0131 Say\u0131lan Haller<\/strong><\/td>\n<td width=\"336\"><strong>Talep veya Talimat Alma Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden \u0130stisna Tutulan Haller<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"336\">\n<ul>\n<li>\u0130\u015flemin do\u011fas\u0131 gere\u011fi banka, \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131, \u00f6deme, menkul k\u0131ymet mutabakat veya mesajla\u015fma sistemleri ile etkile\u015fimin gerekli oldu\u011fu ve<\/li>\n<li>\u0130\u015flemin tamamlanmas\u0131 i\u00e7in m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131lmas\u0131n\u0131n i\u015flemin zorunlu unsuru oldu\u011fu<\/li>\n<li>Yurt i\u00e7i\/yurt d\u0131\u015f\u0131 fon transferi, yurt d\u0131\u015f\u0131 akreditif, teminat mektubu, referans mektubu gibi i\u015flemler i\u00e7in,<\/li>\n<\/ul>\n<p>i\u015flemin m\u00fc\u015fteri taraf\u0131ndan ba\u015flat\u0131lmas\u0131 ya da elektronik bankac\u0131l\u0131k hizmetlerine y\u00f6nelik da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden m\u00fc\u015fteri taraf\u0131ndan emir girilmesi.<\/td>\n<td width=\"336\">\n<ul>\n<li>Kanunen a\u00e7\u0131k\u00e7a yetkili k\u0131l\u0131nan merciler ile yap\u0131lan payla\u015f\u0131mlar<\/li>\n<li>Gizlilik s\u00f6zle\u015fmesi yap\u0131lmas\u0131 ve belirtilen ama\u00e7lar ile s\u0131n\u0131rl\u0131 kalmas\u0131 kayd\u0131yla Y\u00f6netmelik Madde 5(2)&#8217;de detayland\u0131r\u0131lan a\u015fa\u011f\u0131daki payla\u015f\u0131mlar:\n<ul>\n<li>Banka ve finans kurulu\u015flar\u0131 aras\u0131nda yap\u0131lan payla\u015f\u0131mlar<\/li>\n<li>Konsolide finansal tablo haz\u0131rlama \u00e7al\u0131\u015fmalar\u0131 ve risk y\u00f6netimi ve i\u00e7 denetim uygulamalar\u0131 kapsam\u0131nda yap\u0131lan payla\u015f\u0131mlar<\/li>\n<li>Do\u011frudan veya dolayl\u0131 pay sahipli\u011fi yoluyla banka sermayesinin y\u00fczde onunu veya daha fazlas\u0131n\u0131 temsil eden paylar\u0131n veya varl\u0131k sat\u0131\u015f\u0131 ama\u00e7l\u0131 de\u011ferleme \u00e7al\u0131\u015fmalar\u0131n\u0131n kapsam\u0131nda yap\u0131lan payla\u015f\u0131mlar<\/li>\n<li>De\u011ferlendirme, derecelendirme veya destek hizmeti, ba\u011f\u0131ms\u0131z denetim faaliyetleri ya da hizmet al\u0131mlar\u0131na ili\u015fkin hizmet sa\u011flay\u0131c\u0131lar ile yap\u0131lan payla\u015f\u0131mlar<\/li>\n<\/ul>\n<\/li>\n<li>M\u00fc\u015fteri s\u0131rr\u0131 niteli\u011finde olmay\u0131p yaln\u0131zca bankaya ait bilgileri i\u00e7eren banka s\u0131rr\u0131 niteli\u011findeki bilgilerin banka y\u00f6netim kurulu karar\u0131 ile banka sorumlulu\u011funda \u00fc\u00e7\u00fcnc\u00fc taraflar ile yap\u0131lan payla\u015f\u0131mlar<\/li>\n<li>M\u00fc\u015fteri talebi \u00fczerine kamu kurum ve kurulu\u015flar\u0131na teyit verilmesi<\/li>\n<li>Bankan\u0131n taraf oldu\u011fu uyu\u015fmazl\u0131klarda s\u00f6z konusu uyu\u015fmazl\u0131\u011f\u0131n taraflar\u0131na veya bankaya ili\u015fkin bilgilerin yetkili makamlar veya bankay\u0131 temsile yetkili ki\u015filerle payla\u015f\u0131lmas\u0131<\/li>\n<li>Finansal grup i\u00e7inde m\u00fc\u015fterinin tan\u0131nmas\u0131yla hesap ve i\u015flemlere ili\u015fkin olarak ger\u00e7ekle\u015ftirilen bilgi payla\u015f\u0131mlar\u0131<\/li>\n<\/ul>\n<p><strong><u>S\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ili\u015fkin istisnalar, sa\u011fl\u0131k ve cinsel hayata ili\u015fkin ki\u015fisel veriler i\u00e7in ge\u00e7erli de\u011fildir.<\/u><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#8221;Kanun&#8221;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlara ili\u015fkin kapsam, \u015fekil, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90,93],"class_list":["post-19554","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr","tag-information-technology-communications-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banka M\u00fc\u015fteri S\u0131rr\u0131 Y\u00f6netmeli\u011fi Yay\u0131mland\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#039;&#039;Kanun&#039;&#039;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlara 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