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Message from CEO

WE DEFINED OUR NEW MOTTO AS "PARTICIPATING IN LIFE". THIS MOTTO UNDERLINES THAT TÜRKİYE FİNANS WILL DEMONSTRATE A STRONG PRESENCE BY PARTICIPATING NOT ONLY IN "BANKING" BUT ALSO IN EVERY ASPECT OF OUR LIVES; AND THAT IT WILL ADD LASTING VALUE TO OUR CLIENTS, SHAREHOLDERS, EMPLOYEES AND TO SOCIETY.

Esteemed Stakeholders,

Türkiye Finans's solid performance in 2018 was in line with our strategy which aims sustainable and profitable growth. Our financing portfolio and the funds collected (including sukuk) reached TL

29.8 billion and TL 29.3 billion, which grew by 1% and %9.2 YoY respectively in FX-adjusted terms in line with the sector growth in financing portfolio and above the sector growth in funds collected.

Net income increased to TL 445 million up by 18.5% YoY which was above the sector growth of 10%.

A focus on opening new branches in 2018

One of the most important developments for our Bank during 2018 were the steps taken to expand our branch network. Türkiye Finans opened 20 new branches in 2018. The total number of branches has increased to 306 by the end of 2018, increasing the geographical coverage to 66 cities. This expansion will continue in 2019 and beyond.

Continuing to offer innovative products and enhance customer service

Granting credit authorization to the regions and branches was a critical decision that helped increase

effectiveness and efficiency, reaching much more accurate credit decisions.

Brand new and innovative Products we offered in the retail banking include the "Dert Çözen Finansman" based on tawarruq that provides solutions to meet the needs of daily life and "Bol

Kepçe" hybrid deposit product, that combines the participation account with sukuks. In addition, we also continued to develop the product  range offered to commercial customers.

We have further strengthened our contribution to the production and trade cycle through our flexible financial product Esnek Destek Finansmanı and Leasing.

Renewal of the Bank's Corporate identity and motto

In May, our Bank launched its new corporate identity which was rolled out in digital environments as well as in the field. In this context, we defined our new motto as "Participating in Life". This motto underlines that Türkiye Finans will demonstrate a strong presence by participating not only in "banking" but also in every aspect of our lives; and that it will add lasting value to our clients, shareholders, employees and to society.​

About the future

Into 2019, Türkiye Finans stands committed to making all kinds of resources available to its stakeholders and maintaining their support for the real sector, while being mindful of market conditions. We are committed to carrying our 2018 achievements to the future. With the strong support of our customers, shareholders and employees, Türkiye Finans will continue to innovate and grow in the area of participation banking.

I would like to extend my gratitude to all of our stakeholders, especially our customers for their trust and commitment to the Türkiye Finans brand and to our employees for their dedication.​

Wael Abdulaziz A. RAIES
CEO & Board Member