Aktif Bank, Türkiye’s largest privately-owned investment bank with its innovative perspective and unique business model for 25 years, will continue making a difference for the next 25 years.

For Aktif Bank—one of the most valuable pillars of our Group and a standout player thanks to its innovative subsidiaries and global partnerships—2024 was a truly remarkable year. Celebrating its 25th anniversary, Aktif Bank capped off this milestone year with a series of major accomplishments that reflect its leadership in digital transformation. Backed by a strong tech foundation, an agile business model, and a dynamic team, Aktif Bank closed 2024 with nearly TRY 6.5 billion in consolidated pre-tax profit. During the same period, the Bank’s solo net profit was approximately TRY 4.3 billion, and its net profit with its subsidiaries was approximately TRY 5.6 billion. With total assets rising 35.1% year-over-year to TRY 101 billion, Aktif Bank reaffirmed its commitment to supporting Türkiye’s economy without interruption. A return on equity of 41.16% and a capital adequacy ratio of 20.52% kept the Bank firmly positioned among the sector’s strongest performers.

Designed to make banking simpler, Aktif Bank’s digital platform N Kolay continued its upward climb in 2024, hitting 6 million downloads. With sustainability high on the agenda in 2024, Aktif Bank took a major step by completing its Solar Power Plant project. As a result, all electricity used by our head office, subsidiaries, and branches is now sourced from renewables.

Through its group companies—Türkiye’s most extensive financial technology ecosystem—Aktif Bank continued to make a difference in the lives of more than 20 million people every day.

E-Kent expanded its reach in 2024, bringing Uşak into its electronic fare collection system and making Rize the first city where Türkiye Kart is the sole transit card. Updated with new features at the end of the year, Passo crossed the 20 million download mark—solidifying its place among Türkiye’s leading Super-Apps. 2024 also marked a banner year for UPT, our global money transfer brand, which boosted transaction volume by 79% through its UPTION app.

 

Aktif Ventures, a core part of our digital ecosystem, continued to lead the way with 808 APIs across 17 categories—making it one of Türkiye’s most comprehensive API platforms. Aktif Portföy closed out 2024 on a high note, growing its asset base by 126%.

Sigortayeri, one of Türkiye’s most forward-looking players in digital insurance, surged 255% in 2024 and moved closer to the top of the sector.

Pay N Kolay, with its SME-focused financial solutions, grew its revenue by 300%. PAVO, a leader in payment systems, scaled up its Android POS sales by 20 times.

Aktif Tech, our tech subsidiary, expanded its global footprint in 2024, accelerating its growth across the Balkans, Africa, and Turkic Republics.

Marking its 25th anniversary with over 20 awards, Aktif Bank was once again listed among “Türkiye’s 100 Most Valuable Brands” by Brand Finance—for the third year in a row.

Aktif Bank, Türkiye’s largest privately-owned investment bank with its innovative perspective and unique business model for 25 years, will continue making a difference for the next 25 years. As a bank that creates value for Türkiye, we will continue to support the Çalık Group’s progress well into the future.

Kind regards,

Ahmet Çalık