Akademik Veri Yönetim Sistemi
9. IERFM ECONOMIC RESEARCH AND FINANCIAL MARKETS CONGRESS WITH INTERNATIONAL PARTICIPATION, Bursa, Türkiye, 8 - 10 Mayıs 2025, ss.36, (Özet Bildiri)
Countries want to combat global environmental problems and climate change more effectively by making legal regulations. In this context, sustainability policies and, accordingly, sustainable financing instruments have begun to gain more importance in the finance sector, as in many other sectors. The Turkish banking sector has diversified its sustainability-focused products as part of this transformation and integrated the concept of sustainability into its financial product portfolios, offering credit and investment products for both individual and corporate customers. In this study, the sustainability policies of the top 10 banks in Türkiye according to their asset size and the sustainable products and services they offer to their customers were examined using the content analysis method. When the findings obtained from the study were examined, it was seen that all of the banks in the top ten according to their asset size have sustainability policies, offer at least 3 and at most 21 products and services focused on sustainability, and take some incentive measures regarding the dissemination of these products and services. These measures are presented as offering more favorable borrowing conditions compared to other banking products and benefiting from some banking services free of charge. While the services provided by banks with a focus on sustainability are basically divided into two groups, specific to individual and corporate customers, when all services provided are classified with relevant keywords, they are grouped under 5 main headings. These can be classified as renewable energy loans, energy efficiency loans, green consumer loans, social and thematic sustainability loans and sustainable investment and fund instruments. In light of all this information, it is seen that large-scale banks in Türkiye have started to offer various products and services to their customers by integrating sustainability principles into their service policies. However, monitoring sustainability loans in a more systematic framework, aiming to regularly increase the share of sustainability-labeled products and services in the total products and services offered, transparent reporting of the impact assessments of these products and services and public banks taking a more active role in this process will further increase the contribution of the sector in this area.