Corporate Management Organization

Retail, Digital and Payment Systems Group is responsible for managing the Bank’s sales channels; cooperating and coordinating the Group companies’ sales activities, as well as determining the development of strategies, pricing, sales channel development and infrastructure of the Bank's channel management, retail loans, and other individual products in line with its mission, vision and objectives and in accordance with the banking legislation. The Group executes these activities in the most productive way assuring the Bank’s interests, provides cooperation and coordination with the subsidiaries in retail banking activities, coordinates new products offered to customers, monitors other individual banking trends in the sector and takes organizational actions to reach the goals and results in all these activities.

Finance Credits and Capital Markets Group is responsible for forming the Bank's budget and expenditure policies, and managing the expenditure and investment processes within the frame of the budget targets, informing and advising the top management through business line, product, channel, customer-basis and carrying out bank-wide financial performance analyses. The Group is also responsible for building up strategies concerning the countries and sectors where the Bank will make new investments or business partnerships, arranging the partnership structure of the subsidiaries to be established providing the maximum benefit for the Bank, informing and directing senior management. The group aims to develop and issue capital market instruments targeting local and international investors and responsible for doing research about capital market products, managing the relationships with the financial institutions, following up national capital market legislation as well as international practice and developing business for the integration of these innovations in this sphere.

International Banking Group is responsible for leading international banking activities via constructing the Bank’s international financial marketing strategy as well as generating and marketing new products for Bank's corporate clients.

Treasury Group is responsible for managing the Bank's stock securities portfolio, completing money market transactions, and monitoring all market policies and determining private banking strategies and managing the sales function.

Internal Systems Group is responsible for auditing and controlling all the processes of the Bank to provide their accordance with the internal regulations, managing policies and procedures, determining and managing Credit Risks, Market Risks and Operational Risks and keeping these under control within the frame of the risk management policies.

Human Resources Group is responsible for human resources, planning and managing selection and placement, training and development, internal communications, performance management, career and talent management, salary and award systems, payroll management and personnel affairs processes.

Operations functions are responsible for managing branches and alternative distribution channels’ operations providing high quality and productivity in the services offered to the customers.

Customer Experience and Communication Group is committed to establishing a fully customer-oriented relationship and communication, based on the customer requirements and convenience, and also promoting a customer-driven corporate culture. The Group is aimed at providing the customers with exclusive and customized experience by becoming closely acquainted with them. By adopting such an approach, the Group employs an understanding which is hassle-free at any point whereby the Bank and the brands of its subsidiaries come into contact with their customers and which minds the customers and provides them with the solutions that meet the requirements. The Group is responsible for marketing communication, corporate communication, sponsorship and event management, digital marketing as well as all experience processes to be offered to the customers in line with the communication strategy and objectives of the Bank and its subsidiaries.

Corporate Banking Group is responsible for forming funding foundations, evaluating public and private sector projects, providing financing and managing cooperation to be established in this respect. The Group develops products related to cash management, implements corporate credit policies, credit evaluation criteria and strategies, monitors the effects of corporate segment and project credits to the Bank’s balance sheet and profitability, follows up the firms that are submitted to legal proceedings in coordination with Legal Group.