Management of Sustainability Risks and Opportunities

Ziraat Katılım evaluates material sustainability topics by matching them with risks and opportunities and reveals the environmental, social and governance (ESG) impact and financial impact of each topic. In this manner, the Bank adopts a holistic approach to its sustainable value creation strategy.

Sağa kaydırarak tablonun devamını görebilirsiniz.

Material Topics	ESG Impacts	Financial Impacts
Digital Transformation and Innovation	The Bank's products offered through digital platforms contribute to the environment by reducing paper consumption. In addition, digital banking enhances financial inclusion by enabling the Bank to extend its services to a broader segment of society.	Digital transformation enables operational efficiency and reduced costs. Moreover, innovative digital services and solutions help the bank to generate new revenue streams.
Integrated Risk Management	The integrated risk management approach facilitates decision-making by taking ESG risks into account and enhances resilience against risks such as climate change and natural disasters.	Managing risks in an integrated manner reduces uncertainties and contributes to building sounder financial foundations.
Business Ethics, Transparency, and Legal Compliance	Ensures the fulfillment of social responsibility by developing environmentally sensitive practices in line with the principles of business ethics, transparency, and legal compliance.	Business ethics, transparency, and legal compliance enhance the bank's brand value and minimize legal risks. They support financial performance by minimizing reputational and legal risks.
Cyber Security and Data Privacy	Cyber security and data privacy must be integrated with environmentally responsible technologies as part of the digital transformation process.	Strong cyber security measures protect the bank's financial data and prevent losses from potential cyberattacks.
Sustainable Financial Growth and Profitability	Sustainable financial growth entails not only the generation of profits but also the fulfillment of environmental and social responsibilities.	Sustainable financial growth increases the bank's profitability and ensures long-term stability.
Responsible Products and Services	Offering responsible products and services raises public awareness and helps reduce environmental impacts.	Expanding the range of responsible products and services diversifies the Bank's income streams by attracting a broader customer base and meeting the growing demand for sustainability- and digitally-oriented solutions.
Employee Wellbeing, Engagement, and Satisfaction	Employee wellbeing, engagement, and satisfaction enable the establishment of a healthy and productive work environment within the bank.	Employee engagement and satisfaction increases productivity and reduces labor turnover, resulting in cost savings for the bank.
Combating Climate Change	The Bank contributes to reducing global emissions by financing projects that combat climate change. It also supports sustainability-oriented investments by considering environmental and social impacts in financing.	Investing in projects that prevent climate change generates long-term gains for the Bank. Moreover, the growing share of sustainable investments in the portfolio contributes to the Bank's financial resilience.
Customer Experience and Satisfaction	Customer experience can enable the Bank to effectively reflect its environmental, social, and governance responsibilities.	Customer satisfaction contributes to sustainable financial growth and financial profitability by creating a loyal customer base.
Corporate Culture Principles	Corporate culture contributes to the internalization of sustainability values in the organization.	A strong corporate culture supports employee engagement. This can generate financial benefits through the effective management of the resource.
Talent Management and Employee Development	Talent management and employee development contribute to the achievement of the Bank's sustainability goals.	A skilled and trained workforce increases productivity and improves the Bank's financial performance.
Corporate Governance	A strong corporate governance structure contributes to the effective management of ESG factors and their adoption throughout the organization.	Corporate governance based on ethical values and transparency ensures that financial risks are managed effectively and a stronger position is achieved in capital markets.
Equal Opportunity, Diversity	Policies that promote equal opportunities and diversity support social sustainability goals. It contributes to creating an inclusive work environment and empowering disadvantaged groups.	Diversity and equal opportunities ensure talent retention, increase employee engagement, and boost productivity.
Financial Inclusion and Literacy	Financial inclusion contributes to reducing economic inequalities by enhancing access to the financial system for all segments of society.	Financial inclusion expands the Bank's revenue base by reaching new customer segments.
Operational Excellence and Sustainable Service Quality	Operational excellence minimizes environmental impact by optimizing energy and resource use.	Efficient operational processes reduce costs and increase profitability.
Corporate Social Responsibility	Corporate social responsibility (CSR) projects create positive impacts on environmental and social sustainability goals.	CSR activities strengthen the Bank's corporate value by considering social and environmental benefits.
Anti-Bribery and Anti-Corruption	Anti-bribery and anti-corruption policies strengthen the Bank’s ethical framework by enhancing transparency and accountability in the governance area.	Preventing corruption risk provides protection from legal sanctions and financial losses.