Our Environmental and Social Risk Management Policy
A&T Bank adopts the following principles in order to ensure effective management of environmental and social risks in financing processes:
- To follow up closely all national legislation and international standards regarding environmental and social subjects and to ensure the
compliance of the projects to be financed with these standards.
- Not to finance any process included in the List of Non-Financed Activities and prepared in alignment with international financial
institutions.
- To perform an assessment by taking into consideration loan amount, loan type, loan maturity and sector credit risk within the scope
of the environmental and social risk assessment structure of A&T Bank designed for its current portfolio structure.
- To implement a two-phase assessment process and to apply standard processes for loans determined to be of low risk as a result of
the preliminary evaluation and to determine a final risk level with evaluation questions taking as basis the IFC Performance Standards
for loans considered as moderate and high risk.
- To request the customers to prepare necessary actions plans in order to prevent or mitigate any environmental and social impacts of
loans whose final risk level is high or moderate.
- To regularly monitor and report the environmental and social performance of the projects for which loans are granted during the loan
maturity.
- To carry out information and capacity building activities in order to raise environmental and social awareness of the customers in
line with responsible banking principles.
- To ensure compliance with the occupational health and safety standards and to strive for safeguarding personnel and public health.