Role of Banking and TSKB in Climate Challenge
- The climate change, one of the biggest challenges of the 21st century, creates deep effects on both natural and social systems across the world. Rising sea levels, increased temperatures and severe weather events throughout the world. Thus, governments, non-profit organizations and private sector organizations to fight climate change are distributed through an important transformation process. With increased awareness in the field of relaxation, good practice examples are known proving.
In this article, the role in the fight against the climate change of the banking sector was focused on green transformation-oriented credit instruments, green and sustainable bonds. Tags. Also, the information supported by statistics and examples will be presented and the opportunity to do an urgent will be addressed in the successful practices of the Turkish Bank of Development (TSKB). [[T]]]] [[[T]] [Ill Change, Green Transformation and Banking Sector[
] Climate change risks affect the banking sector in different ways. There are economic losses caused by air events such as floods, storms, drought and fire between physical risks. Pass risks are due to regulations and regulations within the scope of the fight against climate change. In recent years Banks are credit and investment strategies by considering these risks and taking an important role in climate fight.
In particular, the Paris Climate Agreement, the conferences of the United Nations Climate Change (COP) and international diplomacy such as the European Green Mutabakat have led the banking sector to be more proactive in the fight against climate change. Banks also support the transition to green economy while managing climate change risks through sustainable crisis.
The banking sector has developed various credit instruments to promote green transformation. These tools are used to fund investments to reduce environmental impact of companies and projects. Green payments are subject to areas such as sustainable energy projects, energy efficiency and environmental friendly infrastructure projects.
See the Climate Perspective to the Year of2023][
• With the influence of climate change and El Niño air event, it was the hottest year to record.
Home From the Copernicus Climate Change Service in the European Union, scientists claim that it is possible to exceed 1.5°C limit in 2024 for the first time.
Home Threefolding of renewable energy up to 2030 at COP28 peak and two times alternating of energy efficiency were approved.
Home With the demands of advanced countries to clean energy from developing countries, the question of which energy pass will be met by who.
Home Lost and Damage fund in COP28 will be transferred at the top 100 billion dollars per year by 2030.
] The amount of refugees by developed countries in Fair Energy Transition Partnership was equal and started to reduce the climate destinations of emerging countries.
]Home Countries such as Indonesia, Vietnam and South Africa, located in Fair Transition Partnership, could not create a form of close to coal plants. [
Home A research on Verra, one of the world’s leading carbon balance standards, reveals that more than 90% of the equilibration paid that take place through rainforest. [
Home The global carbon trading approach at the peak of COP28 could not compromise the U.S. and European Union in forms the market.
Home Some experts start to defend that carbon programs should be eaten.
All these results have been shown again in the fight against climate and hopes were locked in the COP29 summit, which will be held in Baku in 2024.
View of the Climate Mercury to the Future]]
]]]MSCI-Sustainability and Climate Trends 2024 report pay attention to environmental, social, governance (CSY) investments and hot issues of 2024. Featured headers are listed below. [email protected] Home Weather Forecast in 2024 can affect the living spaces where companies operate.
Home Artificial intelligence technologies have a great effect on business strength markets, as well as considered the landing slope and privacy concerns of security measures. Although automation is an important social impact, artificial intelligence leads people to increase productivity.
• Globally awareness reporting standards will adapt to the adapting process of investors across the world. [
Home To reach the zero emissions conversion of net up to 2050, 5 cent dollars need global investment. [
Home The Sustainable Finance Disclosure Regulation of the European Union (The Sustainable Finance Disclosure Regulation, SFDR) brings high standards for sustainable investments. Companies in advanced markets are forced to adapt to these standards. Therefore new new new new new , [
Home Private asset managers contribute to environmental steps by turning to low-carbon investments, can dispatch investors to step back to climate-related risks.
• In recent years, investors are also interested in financial instruments in this field, while returning to nature protection projects, which offers opportunities for companies and banks.
UNEP FI and Sustainable Financing Principles
] Turkey is located in the ranking of countries with the highest emissions positive with 400 million tons of carbon emissions according to 2022 data. 2053 Net Zero Carbon is an important role in the banking sector in the green transformation of Turkey.
The United Nations Environment Program Finance Initiative (UNEP FI) was an important platform that promotes awareness. "Sorum Banking Principles" (Principles for Responsible Banking) provides guidance for banks to consider environmental and social impact in credit and investment decisions and to adopt a sustainable approach.
Theory Banking Principles;
]] 1. Harmony
2. Impact
3. Clients[[
4. Shareholders
5. Manage and Identify Goal
]]] 6. Focus on six areas, including documents and Accountability. [
Akbank, Garanti BBVA, Sugarbank, Construction Credit, TSKB, TKYB, Business Bank is banks with the signature of Banking Principles from Turkey.
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[Sustainable Financing Tools[[
Green bonds cover environmental investment areas such as renewable energy generation, energy efficiency, water management and environmental protection, providing investors the opportunity to invest in projects. Companies and Finance that export green bonds are forced to provide transparent information to investors by sharing environmental impact report.
Social bonds are used to fund social projects in areas such as education, health, employment, opportunity equality, shelter. [
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] Sustainable payments are credit tools offered to fund companies’ energy efficiency improvements, renewable energy investments or modulus for carbon reduction. Companies with these payments have their environmental and social impact to better level. [
Green fund is a type of investment fund that allows investors to invest in bulk in green projects. They offer a variety of options to investors that govern their portfolio based on environmental and social responsibility. Green fund invest in areas such as carbon reduction, water protection or sustainable agriculture.
Green cascade tools for investors to invest in insects or bonds of companies that meet limits. These markets have the opportunity to invest in value of sustainable companies.
TSKB and Sustainable Banking
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TSKB is a development bench that has been signed in the first and examples of the field of awareness banking in Turkey. In 2022, I found the opportunity to train the Turkish Bank of Development (TSKB) in the Corporate Communications Department. I received important information on tickets and mistakes in the argument I made with the managers of the bench. I used TSKB’s digital information pool and wide library. I have read the book “Defining Our Common Future” which was created in our language with TSKB’s support. I share a quote from the front of Regis Maradon, the author of this book below to sum up the role of development Banks like TSKB in the fight against climate:
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“One of the challenges of the 21st century, all financial flows, with the Sustainable Development Objectives, and redirecting these purposes to be compatible with possible extensions from 2030 k. We can say that the first step for development banks that do not know many of the undoubted public is to accelerate the transition to a sustainable economy. International, national or regional development banks, public or private sector projects, simple acquisition, reliable and controlled tools to ensure that their activities are compatible with Sustainable Development Objectives. In particular, development banks need to finance the transition to a low-carbon economy, which provides protection to natural areas of rich biodiversity. The legend of self-regulated markets are now accessible in its limits. Development Banks are accessible to the benefit of the sector investors who see low profits or unprofitable sectors to create a disaster-free economy to protect their social and environmental balances. If we are aliveing with problems on the planetary scale, it is important to go beyond the incidental action. In addition to concrete solutions, there is a need for actor that can reveal new collective action models to create optimistic and positive atmosphere in relaxation. This also shows us that the financial world is connected with the protection of the planet of unity, which can contribute to the destruction of more awareness and more inclusive world along with the economic actor of the transformation. "]]]
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]BKB’s Sustainability Journey
TSKB was a private capital development and investment bench established in 1950 to developing Turkish industry with the World Bank. Tags. Today, the bank, which is the expansion of Turkey Business Bank, is approximately 40% public. In the 1980s, the bench starts to take into account environmentalblanc in Turkey for many years ago the creation of the Environmental Legislation, which has started to take into account the environmental conditions in its credit activities. In 1990s, the bank presented its first environmental payments to the Turkish industry. At the wind of 2000s, the project began in the field of renewable energy.
Each project is credited with integration of three levels of the credit portfolio in the four level of the sustainability investments of TSKB, which is pushed to the development of the country and global relaxation. TSKB’s renewable power plants are equivalent to 15 percent of Turkey’s YE board power. With all these investments, our country’s carbon footprint contributes to the reduction of 16 million tons per year. TSKB provides effective support to green conversion, independent of its amount, and environmental and social risk measurement of all investment and business capital payments. It doesn’t provide to the investments that are risky according to to thesestane.
[email protected]
] Source: TSKB Corporate Website, Sustainable Banking Tab
In 2016, the first example of green bonds in Turkey has realized 300 million dollars, 5 years term Green/Sustainable Tehrans. Since then, restraint to export themed bonds. [
The bank, which is also developed by the field of investment banking, was the first awareness and SKA-oriented rental certificate in Turkish capital markets, reports by the Low-carbon Economy Migration bond.
Adopting Sustainable Development Goals accepted in 2015 by the United Nations, providing direct or indirect forward to all 17 SKA with its social impact measurement. The first GRI approved positive report in the financial sector in 2010. In 2017, the bench publishes the first Integrated Report of the private sector is transparently shared with all its value channels. [
TSKB, acting with the mission of support to sustainable development, active business associations with international invitations in this field. The bank, which has been signed in many international commitments, the UNEP-FI Responsible Banking Principles in 2019.
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Source: TSKB 2023 Climate Report
]] [email protected]TSKB, addressing its positive journey with a compromise and integrated balance, has been the first Turkish bank in 2006 that deserves ISO 14001 Environmental Management System Certificate, ISO 14064-1 Greenhouse Gas Verification. Since 2008, the carbon footprint has been calculated by means of the model in the field of zero carbon banking in our country. TSKB is among the top 10 banks in Turkey with ESG risk note given by Sustainalytics with all these works. [
The Bank also shares its knowledge and experience in this field with its reputation Escarus-Sustainability Consulting Inc. which was experienced in 2011 by difficulties in international standards.
[email protected] BKB’s Social Responsibility Projects]
]
In line with the mission of bench, awareness and inclusive banking that wants to grow more positive social impact created in the field of banking with integrated social responsibility projects; climate change, energy and carbon management support projects in environmental matters that pose a risk in the future of the world.
TSKB, whobeauty that women can create a lean development story with equal understanding, works in the business world and abroad. [
The bank, which draws the gold, which is paid in permanent development at the same time, contributes to the artists and historical values of our country with long-term social responsibility projects. [
[ The KSS projects that stand out by the TSKB are outlined below:
]]] Environmental]]
Copyright © 2018. All Rights Reserved. @cevreciyuz offers solution recommendations for the business world and young people, which are published every day through social media; inspiration by examples of the world. [
[email protected] Some Steps[
The digital platform, which was launched in the business network of SKD, collects all information about the equality of opportunity in the business world of www.esitadimlar.com. #Details that actively use social media channels offer a comprehensive guide to all companies who want to step by step to support female employment.
]] training for production from]
TSKB supports students studying at 3rd and 4th classes of disaster fund to Production from Education, and light on career plans of leaderships with mentoring programs. [
[email protected] Rain Women's Stars Training Fund
] “Semi’s Women’s Stars” training funded under Istanbul Music Festival organized by HRSV is partnered with the dreams of superior women’s music training. [
[email protected] Patara Ancient City]
Since 2016, Turkish Business Bank and BottleGlass support Patara Ancient City challenges, a significant wealth of our country. [[
Sustainability Workshops
Since 2012, push goal to support the perception of university students’ returns with the decision makers of the future with Sustainability Workshops. [
TSKB Library]
In 1971, the library of specials, which started to operate, serves TSKB employees and all inclusive. There are about 15 thousand books to be native and foreign in the collection. The library also has special section in the field of relaxation and gender equality.
The Future Goals of theTSKB:
TSKB, which puts the UN Sustainable Development Objectives into the center, Goal to provide 8 billion US Dollars linked to Sustainable Development Objectives. By 2025, SKA is the only climate and environment-related credit ratio target of the bank, which plans to keep the loan rate at 93% percent.
TSKB publishes the first Climate Risks Report of the financial sector in the framework of the Financial Brains Task Power (TCFD) in 2021, integrated climate risks into credit processes. With a model that produces the risks in this context are associated with the allocation phase.
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Founded by the United Nations Environmental Programme Finance Initiative, Net-Class Banking Association’s signature bank is committed to aligning its credit and investment portfolio with zero emissions steps by 2050, in this direction, push works with the Science-Based Goals. [email protected]
]]A First in Turkey from TSKB: Responsible Communication Policy
]]]] It will be good to start with the definition of green painting to the thread. Greenwashing is the name given to marketing communications and advertising opportunities, which is responsible for the environment in the harmony to the green painting, a service, product or brand’s reality. [
[email protected]Murat Infoç, Managing Director of TSKB, Jumpers of responsible communications with the following demeci green painting:
]
[“We see one of the biggest obstacles in front of a successful green transformation, without fulfilling the problems of companies as a TSKB, in order to create misleading perception in consumers and business partners. Climate risk-resistant, environmental and social results of all need to be addressed as a whole, in order to pass the environment, natural resources and biodiversity. A close follow-up of positive and negative impact created with all non-final capital items, also an important issue. It is necessary to create a positive effect that can be seen with all aspects to contribute to our plane Tags. Thus, we see that positive performance is reported according to the global accepted standards and as the most critical means of a sick communication responsible for providing information of all examples on periodic basis. "]]]
In this new period where steps need to be speeded for a sustainable future, the Green Washing, which is used for a long time, draws the place of the Green Painting architect into concrete and measurable solutions and the gold you need to leave the real success stories. TSKB’s Responsible Sustainability Communication Policy, Health Care for this purpose, Goal create awareness in the separation of value-added steps lagging out for a awareness future in all industries. [email protected]
[ The above-mentioned substances in the Responsible Communication Policy of theTSKB are:
1. TSKB realizes all brand and marketing communications work with the aim of successful and continuous improvement of the economic, environmental, socio-cultural development of our country, the 10 principles of UN Global Compact, UNEP FI Responsible Banking Principles and the UN Sustainable Development Objectives (SKA). [
2. Works with sustainable and inclusive development in brand and marketing communications. [
3. Provides measurable, accurate, consistent and transparent information to insights.
4. Social, gender equality and full compliance with diversity.
5. In common value with disabilities, increasing awareness in the sustainable future direction, acting sensitive to the environment, nature and biodiversity, making solutions for our common future, creating concrete value and creativity on positive effect as unchanging values. [
] 6. Full compliance with corporate management principles, law and privacy rules.
7. By admin environmental impacts from operations, Turkey’s scope-1 emissions are the first bank, and it is responsible for poverty emissions from the it is funds. In this framework, brand and marketing communications work take action in the direction of environmental impact reduction. Environmental impact in purchasing processes. It is possible to use of materials suitable for products or materials.
8. In parallel with the basic strategies of the bench, ÇSY (Environmental, Social and Management) approach is observed in all decisions in the field of brand and marketing communications. [[
9. As a theoretical progression with responsibility, environmental, climate change, cultural development, female employment, trained education, gender and opportunity to create social responsibility projects creates concrete and measurable value. [
] 10. The communication language does not indicate gender, age, senior, physical and mental obstacles, language, religion, race and ethnicity. [email protected] 1111. It keeps projects and investments that harm the environment, biodiversity and human health, violations of human beings and safety, reports global peace of mind, appetites environmental tissue and cultural heritage with the principles of inspiration.
12. It provides customer, value and solution-oriented training and development programs to all employees; it takes responsibility to increase the employees of frequency and social impact matters.
12. August The rise of awareness in relaxation in the sector and production world works to concrete solutions, create new role models. [
14 July Support Senior Manager to make spokespersons and defenders in offline and inclusive. [
15. The target audiences in brand and marketing communications determine the sustainable and inclusive development of our country. [email protected] 16. It doesn’t give false and misleading information to its hunger in internal and external communications.
17. September September It takes immediate corrective action on misleading news that comes out of will about the brand. [
18. Providinging businesses against mistakes creates communication plans to fulfill their vine encounter, protect brand reputation and inform the public effectively. [
19. September September We care to receive feedback from customers and partners and perform shareholder analysis studies in this area. Reviews and advice take and manage mental memory with structured systems. [
20. It does not take place in the award, sponsorship and conferences that are not overlooked, coupled and non-transparent.
21. Violence does not warn to media channels, which are active in exrem publications with discrimination.
22. We do not use messages and visuals to the environment, society and people. [
23. No “green painting” in brand and marketing communications work. [
24 days. The commitments that the signature is located in the association and you are invited, with the policies published by the channel, promise for positive impact, awareness human resources, synergy with its affiliates, raising its experience with other institutions. [email protected] 25. The steps to improve their goals, results and performance are transparent to their hunger on the website and reporting. [[
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TSKB Responsible Communication Guide to reach all:[https://www.tskb.com.tr/uploads/file/tskb-sorumlu-iletisim-ve-marketing-politika-072.pdf]
]
Amuted Close
]] In the field of climate change in our world, applications that will reflect an example in the field of fight with hope to come to all. The best news highlights in 2023. The development of science technology, production and financial industries offers an important opportunity to quickly solve the climate problem. It is possible for governments, companies, banks and individuals to make every new decision with limits, environmental, human and planet balance and to changete the following stunning examples, even to work in the direction of concrete and impact in this direction.
• January 2023 Renewable energy sources according to new Eurostat data relief 21%,8% to the total energy consumption of the European Union. [
Home Researchers and scientists at Cambridge University have developed a way to convert plastic wastes and greenhouses into awareness fuels using solar energy. [
Home The European Union will ask companies to prove their green claims. If companies are now promoting their products as 'friendly' or 'test materials', you will need to document these labels.
Home According to the statement made by the oral Power Association (FWPA), the wind energy capacity in Finland increased by 75 years. [
• Around Antalya, a large solar power plant was built in order to provide free energy to local farmers in the mountainous town of Turkey. More than 60.000 people benefit from this support program.
Home Almaburg was the first European capital that confirms Plant Based Treaty to promote Buddhism in order to fight climate emergency. The city consolidated is supported by students at poverty gas emissions from animal agriculture. [email protected] Home Spain that has to pay for the cleaning of their intrusion Tags. With new environmental regulations, plastic bags and straws were also banned. [email protected] Home Disposable plastic products are accessible in the UK. According to the observance of the government, only 10 percent of these products used in the country are delivered.
• The record number of heat sold in Europe last year. [email protected] Home The night sky view of London may vary. The rules of poor the night lights of skyscrapers. If new plans are adopted, you will be asked to turn off challenges at the address of Square Mile, which has the high building density of London. [email protected] Home The Australian government decided not to allow the new thermal coal project plan in close proximity to Queensland coast. This decision came to the public response due to potential risks to the Great Coral Resifi, located in the UNESCO World Heritage list.
Home Australia accepted new hard laws that limit oil and gas emissions for the first time. This legal entity, which leads to reduced emissions of coal mines and oil refineries by about 5 percent per year. [
Home Luxembourg, the richest country of Europe, has been proud of offering free public transportation services for three years. [
] Home The Netherlands has become the leading solar energy manufacturer of Europe by producing solar energy from waste mountains and using solar panels in various fields. [email protected] Home The Dutch government announced that spending 28 billion euros to meet 2030 climates. These sizes include building large marine solar areas and providing tax advantage to polluting industries.
Home The "Team Ninja Trollhunters," X (eski Twitter) detecting accounts that broadcast climate dezenformation, corrects incorrect information with scientific data. [
• Cities and states in the U.S. can lead to companies that create large fuel pollution to combat the effects of climate elimination. The U.S. Supreme Court has given an important victory to local authorities to refuse appeal to five locals.
Home In the Sena Oura National Park in Çad, about 20 years later, a hang was seen for the first time. The rich cat population in this region as early sign that is pushed to the increase. [
Home According to the International Energy Agency (IEA), this year, solar energy investments are expected to pass the first time oil. [
Home A new law in Panama deficiency the right to live in sea turtles and free passage in a healthy environment. [email protected] Home Austrian benefit from a support program to repair damaged electronic devices. The government program aiming to handle electronic wastes cover half of the repair cost. [email protected] Home The EU is ready to remove a new law that will push users to easily change their batteries. This hard new rules approved by the EU Parliament can help millions of phones recover from garbage. [[
Home Paris Olympics will give a second life to waste materials with seats made from plastic chairs. [email protected] Home Icelandic gang-banged until the end of summer for animal shine. [email protected] Home The first time to protect the sea life across the world was considered an agreed Tags. This review was accepted by the UN members was made for the purpose of condoming biodiversity in the seas outside the national borders. [email protected] Deutschlandticket increased the number of public transport travelers in Germany by 25 percent. [email protected] Home It turned out that nergis flowers grown in high temperatures have reduced methane emissions when given to cows. [
] Home The high speed train expected for long time in California will work with solar energy. [
Home According to research, the world will need a green collar workers army from solar panel to public transport drivers to reach the net zero targets. It is estimated to be 300 million green business worldwide up to 2050. [
Home Giant phosphate bearings are located in Southwest Norway can be enough to feed electric vehicles, solar panels and fertilizers for a professional 50 years. [email protected]Home The cut rate of Brazil Amazon was reduced by three in the first six months of the President Luiz Inácio Lula de Silva. [email protected] Home The energy reach from fuels in the first half of the 2023 of EU countries came to the lower level. 27 member countries used 17% less fuel for electricity production according to the same period of 2022.
Home Cool Roof France (CRF) started to produce sustainable and cost effective paint using 130,000 tons of pony bark thrown in France. In order to reduce the temperature in these paint buildings, the roofs are painted white. [
Home After almost two steps after Charles Darwin’s world tour, the economists are preparing to go from his permission. By making a two-year journey in the four hooks, they will examine the endemic life and increase the efforts of protection.
Home A court in the U.S. Home. roulette that children are constitutional to a healthy environment. Young environmental activists have arranged a historical victory in Montana that they reported the constitutional district of state institutions in a clean and healthy environment. [
Home Artificial intelligence boxes connected to trees in Brazil Amazons have the ability to results sounds to detect forest destruction. [
Home Full-time remote employees in the U.S. According to the research of Cornell University and Microsoft have a reduction effect of greenhouse gas emissions by 54 percent of employees in office. [
Home Denmark introduced the container ship working with the first green methanol in the world. Laura Maersk has the ability to be the first ship that works with pure green methanol in line with the steps of poor greenhouse gas emissions. [
Home German Roncalli Sirki, due to animal interest, since 1991 and does not use difficulties. Sirk took full live animals from the program in 2018 and began to perform their shows with holograms. [[
Home In France, the future robots turn back to tonnes by breaking shoes. [email protected] Home France’s football teams will travel to matches in order to reduce carbon emissions. This policy and this policy cover all national teams. [email protected] Home The capital of Sweden will ban oil and diesel vehicles in the city center in Stockholm 2024. This is a very important move to fight air pollution.
Home One of the most rare mammals on the world, Sumatra strain came to the world in a national park in Indonesia.
• CDP, a non-profit organization, entered 22 European countries to the A-class city list, which rank by the environmental governor and action points of cities. In almost five of European leaders, they perform the most ambitious climate action in the global diameter.
Home The Dominican island was announced the sea protection area by performing a first in the world to protect sperm balinas. Science tells people that decision will not only help fight against climate change. [
Home European Parliament and member countries abroad on the Nature Restoration Act. The law will force member countries to take away from nature up to 2030. The European Commission approves the agreement as an important contribution in the way to achieve "import neutrality". [[
Home In Kenya, Maasai women found an intimate solution to the fox and a dangerous plant. Opuntia cactus, which is harmful for animals with Barbed external structure, is now translated into biogas and resin. [
• North Macedonian challenges to protect and increase biodiversity in forestry areas by creating ecologically. Corridor allows for the movement and migration of wildlife by connecting regions with different ecosystems. [email protected] Home The most important result of the Conference on the United Nations Climate Change; “It was the decision to accelerate actions in this critical to reach clear zero in compliance with science until 2050.
Home In COP28, governments had contracted in the framework of threat ‘Cost and Harm Fund’ to support countries. This important decision was approved by invitation of 198 countries, and after the decision, the first financial statement of the countries came.
• 116 countries have been committed to triple the global renewable energy capacity up to 2030 and double the annual speed of energy efficiency improvements. [[
[
] Makale Author: [
Peace Falay (D: 2007, Istanbul)
Koç High School Studen Tags
] RESOURCES:
]] [https://www.climatechangenews.com/2023/12/28/six-takeaways-from-2023s-climate-change-news/]][
[https://www.climatechangenews.com/2023/12/13/carbon-credits-talks-collapse-at-cop28-over-integrity-concerns/]
[https://www.msci.com/research-and-insights/2024-sustainability-climate-trends-to-watch
]]] [email protected][https://www.ey.com/en tr/news/2024/3/turk-company-iklim-degisikligini-onemsyor-ama-harekete-geclari
]]]] https://www.unepfi.org/banking/bankingprinciples/]]
[email protected] [[https://earth.org/]
[https://www.narterlaw.com/yesil-finansman-araclari-surduable-gelecege-yacht/]
]]]] https://www.tskb.com.tr/
]]] [https://www.tskb.com.tr/uploads/file/afd-final-turc-web.pdf]
[[https://www.tskb.com.tr/uploads/file/tskb-iklim-raporu2023.pdf]]
[https://www.tskb.com.tr/uploads/file/tskb-sorumlu-iletisim-ve-marketing-politika-072.pdf]][
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