Information Technologies Group
• Digital Channels Application Development
• Card Payment Systems Application Development
• System Management and Operation
• Application Development
• Data Management
• IT Project and Process Management
• Data Management
• IT Security
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.
Retail, Digital and Payment Systems Group
• Alternative Sales Channels and Contact Center
• Payment Systems and CRM
• Digital Banking
• Sales Management
• Physical Channels Product Management and Subsidiaries Coordination
• Corporate Communications
• Business Development and Innovation
• Retail Credit Risk Monitoring and Tracking
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, payment systems 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.
• Financial Reporting Business Profitability and Tax Management
• Bank Budget Management and Accounting
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. The Group assures functioning of the Bank's accounting and reporting system in accordance with legislation; prepares the internal and external reports of the areas within its responsibility, manages tax processes, organizes and follows up the finance functions of the Bank's subsidiaries and affiliated entities.
International Banking Group
• International Banking Marketing
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 Pricing and Liquidity Management
• Treasury Sales and Marketing
• Economic Research
• Private Banking
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.
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
• Internal Control
• Risk Management
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 and Operations Group
• HR Business Partnership
• Performance and Compensation Management
• Payroll Management and Employee Relations
• Support Services
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 managing branches and alternative distribution channels’ operations providing high quality and productivity in the services offered to the customers.
Subsidiary Management Group
• Subsidiary Management GroupSubsidiary 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
• Credit Policy and Analytic
• Capital Markets
• Corporate Credit Allocation
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
• Corporate Finance
• Corporate Marketing
• Realty Project Development and Application
• Construction Real Estate
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. 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.
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.