Assessment of Reputational Risk Management Maturity Levels of Banks

Year 2023, , 712 - 726, 21.10.2023

Turgay Geçer , Kaan Ramazan Çakalı , Gürol Baloğlu

https://doi.org/10.33712/mana.1319009

Abstract

Due to the nature of their activities, reputational risk is one of the main risks that should be managed for banks. Since corporate reputation is an intangible asset, it is extremely difficult to measure reputational risk. On the other hand, the maturity level of banks for the management of reputational risk is extremely important in terms of reducing the effects of reputational losses that may be exposed. The aim of this study is to develop a framework for evaluating the maturity level of reputational risk management in banks. For this purpose, based on the COSO Enterprise Risk Management Framework, the attributes that can be used in the evaluation of the reputational risk maturity level, the values related to these qualifications and the evaluation criteria for each attribute are defined. In addition, 5 different maturity levels were created for banks according to the total score obtained by combining the values calculated for each attribute, taking into account Bak and Jedynak (2023). This proposed framework can be used as a framework in which banks can evaluate themselves and legal authorities can evaluate banks in terms of determining the maturity level of reputational risk management.

Keywords

Risk Management, Reputational Risk Management, Reputational Risk Management Maturity Level

Bankaların İtibar Riski Yönetimi Olgunluk Seviyelerinin Değerlendirilmesi

Abstract

Faaliyetlerinin doğası gereği itibar riski bankalar açısından yönetilmesi gereken temel risklerin başında gelmektedir. Kurumsal itibarın maddi olmayan bir varlık olması sebebiyle itibar riskinin ölçümü son derece zordur. Buna karşın bankaların itibar riskinin yönetimine yönelik olgunluk seviyeleri maruz kalınabilecek itibari kayıpların etkilerinin azaltılması yönünden son derece önemlidir. Bu çalışmanın amacı, bankalarda itibar riski yönetimi olgunluk seviyesinin değerlendirilmesine yönelik bir çerçeve geliştirmektir. Bu amaçla COSO Kurumsal Risk Yönetimi Çerçevesi baz alınarak itibar riski olgunluk seviyesinin değerlendirilmesinde kullanılabilecek nitelikler, bu niteliklere ilişkin değerler ve her bir niteliğe yönelik değerlendirme kriterleri tanımlanmıştır. Ayrıca, Bak and Jedynak (2023) dikkate alınarak her bir nitelik için hesaplanan değerlerin birleştirilmesiyle elde edilen toplam puana göre bankalar için 5 farklı olgunluk seviyesi oluşturulmuştur. Önerilen bu çerçeve, itibar riski yönetiminin olgunluk seviyesinin belirlenmesi açısından bankaların kendilerini ve yasal otoritelerin bankaları değerlendirebilecekleri bir çerçeve olarak kullanılabilir.

Keywords

Risk Yönetimi, İtibar Riski Yönetimi, İtibar Riski Yönetimi Olgunluk Seviyesi

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