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Financial Capital

Yapı Kredi operates with a goal of sustainable profitability as it increases its appeal for investors by continuously building on the competencies that affords it a competitive edge in the sector. Through the effective use of its financial capital, Yapı Kredi attains long-term financial stability, thus creating a positive sphere of economic influence with an increased number of investors, enhanced employment opportunities and tax payments. As part of its growth-oriented investment strategy, the Bank continues to reap the benefits of investments made in its delivery network and infrastructure, increases the number of customers provided with its innovative products and services, and thus continues to strengthen its position in the sector.

Material Issues

Sustainable profitability: Rather than focusing on short-term financial gains, Yapı Kredi has adopted a long-term approach for sustainable profitability for improving the wellbeing of all stakeholders. While developing its business strategies, Yapı Kredi takes into account the short, mid and long-term impacts on stakeholders and environment.

Details of Yapı Kredi’s performance across all business areas are shared with stakeholders through its Annual Reports.

Improvement of corporate governance practices: Yapı Kredi recognizes that its goal of creating positive value for all stakeholders is only possible through an effective and powerful governance structure. As it progresses towards business goals, the Bank acts in full compliance with laws and regulations, and utilizes effective mechanisms of corporate governance. Yapı Kredi conducts all of its operations in line with the principles of responsibility and accountability, and establishes transparent and effective stakeholder engagement mechanisms. The Bank continuously strives to improve its corporate governance rating.

Further information about corporate governance practices may be found here.

Effective risk management and internal control: In line with its proactive risk management approach, Yapı Kredi measures and assesses its economic, social and environmental risks through international standards, and continuously reviews process efficiency and compliance through internal control mechanisms.

Detailed information about risk management, internal audit and internal control systems may be found in the Annual Reports.

Ethics, anti-bribery and anti-corruption: Yapı Kredi has adopted the UN Global Compact, which requires organizations to implement higher standards in ethics. Yapı Kredi stands firmly against all kinds of bribery and corruption. The Bank has established an Anti-Bribery and Corruption Policy in line with its commitment to act in accord with applicable laws, regulations and principles, and the Code of Ethics and Business Conduct as part of its commitment to operate with the highest standards of integrity and consistency.

Detailed information about Yapı Kredi’s anti-bribery and corruption practices and systems may be found here.

Sustainable product portfolio: While designing its products and services, Yapı Kredi takes into account the current and potential needs of its customers, attachs importance to digitalization, strives to improve access to financial services, and aims to build on its portfolio of environment-friendly products and services.

Detailed information about Yapı Kredi’s product portfolio may be found on the Bank’s corporate website and in the Annual Reports.

Environmental and social risk management in lending activities: The leverage effect of the banking sector is intensively felt in the field of credits. Therefore, credits constitute the area with the most extensive sustainability impact. Yapı Kredi is committed to develop products and services that are both environmentally friendly while creating sustainable value for the community in which it operates. Projects to be financed by Yapı Kredi are obliged to comply with legal requirements as well as environmental and social standards beyond the requirements determined by the Bank’s policies. Detailed information about the Environmental and Social Risk Assessment Model used in lending processes may be found here.

All lending activities of Yapı Kredi are assessed against the Bank’s Credit Policies as well as its Environmental and Social Policy. The Environmental and Social Policy may be found here.

Access to financial services: As per its principle of responsible banking, Yapı Kredi develops fair, accessible, and value-creating products and services for all segments of society. Yapı Kredi’s groundbreaking Enabled Banking practices offer equal access to banking services for disabled customers, and the Bank also contributes to the socioeconomic development of its operating region through initiatives aimed at SMEs, farmers, and female entrepreneurs. The Bank is committed to offer fair and transparent products for all segment of society.

Detailed information about Yapı Kredi’s inclusive product and service offering may be found in the Sustainability Reports.

Easy-to-understand products and services: Ensuring that its financial products are easily understandable in order to accurately inform its customers and providing them with the opportunity of comparison between its products, is a business priority for Yapı Kredi. For Yapı Kredi, providing the most suitable products and services to customers alongside accurate information regarding its products is a core indicator of its responsible banking approach.

Detailed information about Yapı Kredi’s responsible banking approach may be found in the Responsible Lending Statement.

Responsible procurement practices: Yapı Kredi endeavors to propagate its corporate values and sustainability across its entire value chain. Through its “Responsible Procurement Policy” Yapı Kredi ensures that environmental and social impact of products and services procured are minimized throughout their life cycle, while encouraging its suppliers to comply with its environmental, social and human rights criteria. Thus, Yapı Kredi aims to reduce greenhouse gas emissions and support for transition to a low-carbon economy, reduce natural resource usage and waste generation through more efficient manufacturing methods, and establish an equitable working environment for employees in accord with occupational health and safety rules, and supported by civil rights and social security.

The Responsible Procurement Policy may be found here.