Information Technologies Group

IT Security Unit
Digital Channels Application Development Department
Card Payment Systems Application Development Department
System Management and Operation Department
Application Development Department
Data Management Department

IT is responsible for developing and executing IT mission and strategy that supports Bank's innovative vision and business plans; meeting technological requirements of customers and other Bank units in accordance with international standards and up-to-date norms in a reliable and effective way as well as implementing such projects that are needed to meet the tactical and strategical objectives and delivering high quality infrastructure services. It aims to contribute to Bank's competitiveness by operating Bank's technological infrastructure and processes in a way that keeps track of agile and up-to-date methodologies.

Digital Banking and Payment Systems Group​

Alternative Sales Channels and Contact Center Department
Payment Systems and CRM 
Digital Banking Department
Corporate Communications Unit
Sports Coordination Management Unit
Business Development and Innovation Unit

​Digital Banking and Payment Systems Group is responsible for determining the procedures for the development of strategies, pricing, sales channel development and infrastructure of the Bank's channel management, retail loans, payment systems and other individual products in line with its mission, vision and objectives and in accordance with the banking legislation, executing these activities in the most productive way assuring the Bank’s interests, providing cooperation and coordination with the subsidiaries in retail banking activities, coordination of new products to be offered to customers, monitoring of other individual banking trends in the sector and the taking organizational actions to reach the goals and results in all these activities.

Finance Group

Financial Reporting Accounting and Tax Management Department
Business Profitability Unit
Purchasing Unit

Finance 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, functioning of the Bank's accounting and reporting system in accordance with legislation, preparing the internal and external reports of the areas within its responsibility, managing tax processes organizing anf following up the finance functions of the Bank's subsidiaries and affiliated entities.

Financial Institutions Group

Financial Institutions Marketing Department

Financial Institutions 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.

Novel Investments Group 

Novel Investments Group

Novel Investments Group is responsible for research and development processes of an idea or invention that is missing in the market, finding new business areas, following up the technological developments, providing quick solutions, and creative ideas to the needs in modern business life.

Treasury Group 

Treasury Pricing and Liquidity Management Department
Treasury Sales and Marketing Department
Private Banking Department
Private Banking Strategy and Business Development Unit

Treasury Group is responsible for managing the Bank's stock securities portfolio, completing money market transactions, and monitoring all market policies.

Legal Group

Legal Group

Legal Group is responsible for fulfilling the institutional and legal obligations, steering in order to ensure compliance with laws and consultancy activities.

Internal Systems Group

•   Internal Audit Department
•   Internal Control Department
•   Compliance Department
•   Risk Management Department

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

Human Resources and Operations Group

HR Business Partnership Unit
Performance and Compensation Management Unit
Payroll Management and Employee Relations Unit
Support Services Unit
Banking Operations Department
Payment Systems Operations Department

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.

Operation function is responsible for the managing branches and alternative distribution channels’ operations providing high quality and productivity in the services offered to the customers.

Subsidiary Management Group

Subsidiary Management Group

Subsidiary Management Group is 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.

Credit Analytic and Capital Markets Group

Retail Credit Allocation Department
Credit Policy and Analytic Department
Corporate Credit Allocation Unit
Capital Markets Department
Structured Finance Department

Credit Analytic and Capital Markets Group aims to develop and issue capital market instruments targeting local and international investors and responsible for doing research about credit and 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.

Corporate Banking Group

Corporate Credits Department
Corporate Finance Department
Central Marketing Department
Realty Project Development and Application Unit
Construction Real Estate Unit

Corporate Banking Group is responsible for leading mergers and acquisitions via prestigious projects, forming funding foundations, evaluating public and private sector projects, providing financing and managing cooperations to be established in this respect, developing products related to cash management, implementing corporate credit policies, credit evaluation criteria and strategies, monitoring the effects of corporate segment and project credits to the Bank’s balance sheet and profitability, following-up the firms that are submitted to legal proceedings in coordination with Legal Group.

Legislation Development and Management Group

•   Fraud Prevention and Customer Complaints Management Unit

Legislation Development and Management Group is responsible for monitoring the law changes, advising business units, evaluating all products and services' risks of fraud and security, preventing financial risks that may occur, transmitting customer expectations to all units ensuring that all customer complaints are resolved.

Retail Banking Sales and Subsidiaries Coordination Group

Retail Credit Risk Monitoring and Tracking Unit
Physical Channels Product Management and Subsidiaries Coordination Department
Sales Management Department

Retail Banking Sales and Subsidiaries Coordination Group is responsible for determination of sales policies and procedures which will meet ​needs and expectations of our customers, following up and managing the Bank’s sales channels; cooperating and coordinating the Group companies’ sales activities, developing new sales models and introducing to the market.

Project Management Department

•     Project Management Department

Project Management Department is responsible for managing and following up information technologies processes and methodologies of the bank.