T-Bank Sustainability Policy

T-BANK SUSTAINABILITY POLICY

 

PURPOSE: This policy defines T-Bank's sustainability approach and related corporate commitments. The policy aims to integrate environmental, social and governance (ESG) principles in all areas of activity; create long-term value; and ensure compliance with relevant national and international regulations.

 

SCOPE: The policy covers shareholders, employees, customers, suppliers and all stakeholders.

 

DEFINITION:

The following terms shall have the meanings ascribed to them below:

 

Bank: Turkland Bank A.Ş. (T-Bank)

 

Board of Directors: The Bank’s Board of Directors,

 

Management: The General Manager and Assistant General Managers, the heads of departments within the scope of Internal Systems, and other managers who, regardless of their titles, report directly to the General Manager by virtue of their authority and duties,

 

Employee: Any individual working at the Bank, whether as a permanent or contracted staff member,

 

Ethics: The set of values, norms, and rules that constitute the foundation of individual and societal relationships, evaluated from a moral perspective such as right-wrong or good-bad,

 

Sustainability: Considering not only economic and financial criteria but also environmental, social, and governance (ESG) risks and opportunities in business and investment decisions, in order to serve the benefit of society and future generations,

 

Committee: The Sustainability Committee, which ensures the strategic-level monitoring of the corporate sustainability vision and its integration across the institution,

 

Sub-Working Groups: Sub-working groups that ensure the operational-level monitoring of corporate sustainability goals and their integration into processes, based on their respective activities.

 

DOCUMENT:

T-Bank’s Code of Ethics and Professional Conduct Rules

Corporate Governance Policies

T-Bank Credit Policies

Human Resources Policy

Compensation Policies

Sanctions and Embargoes Policy

Anti-Bribery and Anti-Corruption Policy

Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) Risk Policy Conflict of Interest Compliance Policy

IFRS-9 Policy and Model

Procurement Procedure

Credit Allocation Policy

Corporate Compliance Policy

Sustainability Committee Procedure

 

IMPLEMENTATION

 

1.CORE PRINCIPLES

 

At T-Bank;

 

1.1. Sustainable Finance:

  • Credit and finance policies that take environmental and social risks into account and support sustainable development are followed. It is clearly defined and implemented in the list of activities that will not be funded in the Credit Allocation Policy and Institution Compliance Policy.
  • It directs financial resources to projects compatible with environmental and social goals in the fight against climate change.
  • Regulatory activities are monitored with the aim of facilitating the transition to a circular economy and mitigating the impacts of environmental and social risks.
  • Climate-related short, medium, and long-term impacts are taken into account within Risk Management processes.

 

1.2. Environmental Responsibility:

  • Reduction of greenhouse gas emissions is targeted.
  • Energy efficiency, renewable energy, and circular economy are prioritized.
  • The environmental impacts of operational processes are monitored, and improvement projects are carried out.
  • Reduction of resource usage is aimed through Waste Management practices.

 

1.3. Social Contribution:

  • Employee satisfaction, occupational health and safety, equal opportunities, inclusiveness, and diversity are supported.
  • Access to financial services for disadvantaged groups is encouraged.
  • Social engagement of young students is supported.
  • The Bank may provide information, guidance and basic training activities to employees, customers, suppliers and other stakeholders it interacts with during its activities in order to raise awareness about the sustainability approach.

 

1.4. Governance and Ethics:

  • Transparency, accountability, equality and responsibility are adopted as fundamental principles within an ethical framework.
  • Zero tolerance is applied toward bribery and corruption.
  • Performance is evaluated in alignment with ethical and strategic objectives.
  • Sustainability is not regarded as a centrally managed practice but as a holistic corporate culture internalized across all departments.
  • The Bank’s principles and policies are taken into consideration in corporate decision-making processes.

 

1.5. Stakeholder Participation and Reporting:

  • Activity reports and sustainability performance are shared regularly.
  • Our policy is aligned not only with international standards such as IFRS, GRI, ISSB, SDGs, and the Paris Climate Agreement, but also with national regulatory frameworks such as BRSA (Banking Regulation and Supervision Agency), POA (Public Oversight Authority), TFRS (Turkish Financial Reporting Standards), and TSRS (Turkish Sustainability Reporting Standards).
  • Regional social and environmental sensitivities are taken into account; emphasis is placed on reflecting geographical differences in sustainability practices.

 

1.6. Supply Chain and Procurement:

  • Sustainability principles are integrated into the Procurement Procedure.
  • Practices that support social and environmental criteria within the supply chain are preferred.

 

2. MANAGEMENT AND REVIEW

The Sustainability Committee reviews this policy and the related objectives at least once a year. Necessary updates are prepared upon the committee’s recommendation and enter into force with the approval of the Board of Directors.

The policy enters into force with the approval of the Board of Directors and is binding for all departments of the Bank.

 
 
 
TURKLAND BANK A.Ş. PRIVACY PROMISE

Your privacy is important for us. This is why we are committed to the Turkland Bank A.Ş. Privacy Promise for our customers, which is as follows:

In addition to the information that is legally required, only the information that is considered as necessary to offer the best products and services to our customers is requested by Turkland Bank A.Ş.

The privacy and the security of the information that is received from the customers are the most important criteria that are adopted.

In order to protect the privacy of the customer information, Turkland Bank A.Ş. adopts the rules described below:

Customer information is kept in the security system created by Turkland Bank A.Ş. and only authorized employees who are well-trained on the privacy and proper use of customer information have access to customer information.

Turkland Bank A.Ş. implements the tight security system in order to ensure that no access is given to unauthorized people including employees.

Except requirements related to the applicable legislations and regulations, customer information will not disclosed to 3rd parties without the customer’s consent.

Customer information that might be requested by Administrative authorities and judicial bodies will be disclosed in line with the scope of the regulatory request. Turkland Bank A.Ş. requires the third parties and its employees who provide service to the Bank to comply with the privacy and confidentiality requirements determined by the Bank when handling customers’ data.

Correctness / accuracy of the Information

It is important to ensure that your information is correct and up-to-date.. In case you notice that related information on the account statements or accessed through the internet banking is not correct or up-to-date, please inform your branch, following the guidelines under “Protection of Privacy” below; so that we can correct or update your information on a timely manner.

Protection of Privacy

Regarding the protection of your confidential information, we suggest you to:

  • Check your account balance and bank statements regularly and inform your branch in case of discrepancies,
  • If you suspect that your credentials, passwords or other confidential information is lost; or, stolen by the third party, please immediately inform your branch.
  • In all cases, we recommend not to disclose any of your information if you do not verify the credentials of the counterparty during phone calls or e-mailing, use a secure browser for online banking and close the online applications when not in use.

Turkland Bank A.Ş. will respect your trust and will work to keep the continuity of your trust through fulfilling its commitment specified in the guidelines above. Additionally, we believe that our clients will also demonstrate the required sensitivity for the privacy of the information that they provided to us.

The privacy promise will be updated timely with any changes in the applicable regulations or the internal policy, and will be always checked on the bank website.