The 2027 Cliff
in Sustainable Finance
Is Turkish Banking Ready for the Future?
Three Regulatory Forces, One Perfect Storm
By 2027, Turkish banking faces three critical regulatory pressures simultaneously.
Green Asset Ratio (GAR)
The Green Asset Ratio mandated by BRSA requires banks to channel their credit portfolios toward sustainable assets. Institutions that fail to comply will face significant sanctions.
TSRS & Scope 3 Reporting
The PCA's sustainability reporting framework makes it mandatory to report financed emissions (Scope 3). Banks must track the carbon footprint of all sectors they lend to.
CBAM Carbon Certificate
The EU's Carbon Border Adjustment Mechanism requires exporting companies to obtain carbon certificates. Banks need to guide their clients and update credit assessments accordingly.
Workshop Speakers

Opening Remarks
Çetin Altay
IFE Founding Director

Workshop Moderator
Assoc. Prof. Ümmügülsüm Zor
Sakarya University

Green Asset Ratio (GAR)
Dr. İlker Koç
Former Head of Department, BRSA

Academic Perspective
Dr. Abdüssamed Koç
Sakarya University

Financed Emissions
Dr. Nurcan Kostak
Sakarya University

Real Sector Perspective
Dr. Hasan Sarıçiçek
Legio Capital, Co-Founder / ENSİA Board Member

CBAM & Banking Impacts
Dr. Büşra Garip
Sakarya University

TSRS Compliance Process
Sevgi Kılıç Er
Public Oversight Authority (PCA)

ESG Scoring in Banking
Esra Kahraman, MBA
Akbank - Environmental and Social Loan Policies Vice President
Program Agenda
Opening
Çetin Altay
Moderator's Opening
Assoc. Prof. Ümmügülsüm Zor
SESSION 1 — GAR & Sectoral Vision - ESG Scoring in Banking
Dr. İlker Koç - Esra Kahraman, MBA
Academic Perspective
Dr. Abdüssamed Koç & Dr. Nurcan Kostak
SESSION 2 — Real Sector & Credit Allocation
Dr. Hasan Sarıçiçek
SESSION 3 — Regulatory Compliance & TSRS
Dr. Büşra Garip & Sevgi Kılıç Er
Q&A & Closing
All Speakers
Green Finance Competency at European Standards
This workshop is part of a certification process integrated with the MiCreS project carried out under the EU Erasmus+ program.
Register for the Workshop
Registration Process
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