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Message from CEO

Esteemed Stakeholders​​​

​​In the third quarter of 2019, we continued to revamp our retail offering along with innovative products and services with digitalization focus. As a result of our focused approach to perceive customer expectations clearly, we set off preferential product packages, campaigns aspiring to increase the reach of participation banking.

Offsite ATM network reached around 9,000 increasing our customer reach and making TFKB the second bank with the largest ATM network. At the same time, we continue to serve our customers without fees.

On the other hand, we focused on personal loan and auto finance apart from differentiating our TL e-deposit offer, where our customers open digital deposit accounts with more attractive profit share.

Backed by a balance sheet amounting to TL 50.7 billion as of the end of the third quarter of 2019, the deposit of the bank, which exceeds 72% of its liabilities, reached at TL 37 billion. Our Capital Adequacy Ratio stands resilient at 17.7%.

For commercial customers, we stepped up our growth in project finance, concentrating on renewable energy projects. We have many projects in the pipeline from wind to solar power plants.

Following 4 new branches in the first half, we continued to expand with Kars and Eskişehir Çarşı retail and Trakya commercial branch openings.

We will go on taking firm steps towards covering the expectations of our customers and supporting them rapidly with more digital and beneficial offerings. I would like to express my gratitude to all of our employees contributing our efforts and to our stakeholders who have bestowed their trust in us.


Wael Abdulaziz ​RAIES
CEO and Member of the board of Director