Information Technologies Group

Digital Channels Application Development
Card Payment and Transition Systems Application Development
System Management and Operation
Application Development
Data Management
IT Project and Process Management

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

Digital Banking, Marketing and Payment Systems Group is responsible from, being aligned with the Bank mission, vision, targets and banking regulations, digital channel management, digital marketing, digital customer and product management and payment systems product strategy, sales & marketing, making these in the most productive ways looking after the Bank's benefits, serving customers the best digital banking experience and growth of the retail customer base via digital channels. 

Retail Banking Group​

Alternative Sales Channels and Contact Center
Retail Banking Sales Management
Retail Banking Marketing and Credits
Retail Credit Risk Monitoring and Tracking
Central Data Office

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

Financial Reporting Business Profitability and Tax Management
Bank Budget Management and Accounting
Subsidiary Management
Capital Markets
Corporate Credit Allocation

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

International Banking

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 and Private Banking Group 

Treasury Pricing and Liquidity Management
Treasury Sales and Marketing
Economic Research
Private Banking and Investment Services

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

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
•   Compliance
•   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. 

Talent, Organizational Development and Operations Group

People Experience
People Analytics
People 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.

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

Customer Experience
Customer Experience and Marketing Communication
Customer Experience and Digital Marketing

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

Corporate Credits
Corporate Marketing
Realty Project Development and Application

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.

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.