SUSTAINABILITY ACTIVITIES
A financial approach with an eye on the future
Türk Ticaret Bankası places Environmental, Social, and Governance (ESG) principles at the center of its decision-making processes, building the future today with a responsible financing approach.
The Cornerstone of Strategic Transformation and Responsible Banking
In line with its financial approach that supports sustainable development, Türk Ticaret Bankası implemented its corporate structure for sustainable banking in 2025. The Sustainable Banking Department, established in this context, aims to bring the Bank’s Environmental, Social, and Governance (ESG) approach into a strategic framework.
This structure, which ensures that sustainability principles are addressed systematically throughout the bank, has enabled significant steps toward integrating a responsible finance approach into business processes.
The Sustainable Banking Department coordinates the development of policies and procedures to enable the Bank to achieve the targets set out in its sustainability strategy, identifies the actions required to address areas needing improvement, and periodically reviews these matters, ensuring communication and coordination with the relevant units regarding any identified deficiencies, disruptions, or issues that require remediation or further development.
Strategic Structuring Centered on Sustainability
In 2025, the Sustainable Banking Policy, which defines the Bank’s sustainability approach, was prepared and put into effect. The policy has made Environmental, Social, and Governance (ESG) principles an integral part of corporate decision-making processes.
In the same period, in line with the Green Asset Guide published by the Banking Regulation and Supervision Agency, the Green Asset Ratio (GAR) was reported for the first time, and the loan portfolio was classified according to sustainability criteria.
The necessary forms and calculation infrastructure for measuring and analyzing Scope 1, 2, and 3 carbon footprints are being developed as part of the Sustainability Management System.
As part of the development roadmap for the Sustainability Management System, the following are targeted:
- Differentiated risk weighting for carbon-intensive projects,
- Incorporating ESG scores as inputs into credit ratings,
- Developing pricing based on environmental performance.
Sustainable Steps for Long-Term Value
Sustainability practices were evaluated in light of national legislation and international best practices; the Bank’s current situation was analyzed to identify areas for improvement. As a result of the gap analysis, a sustainable banking roadmap was established by creating an action plan that includes short, medium, and long-term targets.
As part of the sustainable finance products roadmap, the following are targeted:
- Incorporating exporters’ environmental performance indicators into the credit assessment process,
- Creating labeled green loan structures for projects that meet specific eligibility criteria,
- Gradually implementing mechanisms in pricing and maturity conditions that incentivize sustainability performance.
Banking with Consideration for Environmental and Social Impact
Throughout 2025, preparatory work was carried out to integrate Environmental, Social, and Governance (ESG) criteria into loan processes; preliminary models were developed to enable the assessment of environmental and social risks. At the same time, infrastructure needs for monitoring and reporting sustainability data were identified.
2026 Outlook
In the upcoming period, the goal is to more strongly integrate the sustainability approach into operational processes. In this context, plans include incorporating ESG criteria into credit policies, automating Green Asset Ratio calculations, developing sustainable finance products, and increasing awareness initiatives throughout the organization.
In February 2026, it is planned to provide training to employees by experts on environmental and social risk management and climate risk management in lending processes.
General Assessment
The year 2025 was a period in which the foundational structures for sustainable banking were established and the strategic infrastructure was put in place at Türk Ticaret Bankası. These steps have created a strong foundation that supports the Bank’s long-term value creation goals.