2025 was a year marked by multi-layered risks in the global economy. Structural geopolitical tensions and inconsistencies in international trade policies slowed the growth dynamics of global trade.
Marked by global risks, 2025 was a year of stabilization for the Turkish economy. The tight monetary and fiscal policies implemented prioritized disinflation and price stability. The 2026–2028 Medium-Term Program announced in September revealed the intention to establish a new economic paradigm based on price stability and fiscal discipline.
In 2025, we at Türkiye Finans Participation Bank continued to support our country's growth journey and made active contributions to the economy. In line with our mission to support production, trade, and exports, we contributed a total of TRY 288 billion to the national economy in the first nine months, consisting of TRY 227 billion in cash and TRY 61 billion in non-cash. During this period, we grew the amount of cash funds we provided by 41.4% to support production and SMEs, the lifeblood of our economy.
The trust that savers have in our bank and in participation banking was confirmed once again by the 37% increase we achieved in participation accounts in the first nine months of the year.
Breakthrough in digital banking
Driven by our people-centered banking vision and digitalization strategies, we have undergone a powerful transformation to make technology an integral part of our business model. On our journey to build a smart, fast, and inclusive banking model, we have increased operational efficiency by integrating data analytics, robotic process automation, and artificial intelligence technologies into our business processes.
‘We Are Here for Tomorrow’ for a better future
In line with our ‘We Are Here for Tomorrow’ approach, we have strengthened our projects focused on energy efficiency, carbon footprint reduction, and sustainability. Using our inclusive working models, we have kept diversity and equal opportunity at the center of our corporate culture.
Creating lasting value with smart strategies
2025 was an important turning point for us, both in terms of our financial performance and our corporate structure. Having served as a Board Member at Türkiye Finans Participation Bank since 2017, I was honored to take on the responsibility of Acting General Manager as of October 15.
As we enter 2026, we embrace a proactive, innovative, and determined vision. In the coming period, we aim to create a service model that focuses on sustainable and robust growth and redefines the customer experience with a holistic approach. We are prioritizing accelerating investments in artificial intelligence and data analytics to increase operational efficiency, strengthening financial inclusion to provide broader support to the real sector, and further integrating ESG (Environmental, Social, Governance) criteria into the core of our business model.
I would like to thank all our customers, solution partners, and the dedicated Türkiye Finans Family for supporting us in completing this year with strong determination.
With the goal of creating sustainable and lasting value, we will continue to work with great enthusiasm alongside all our stakeholders, ensuring Türkiye Finans Participation Bank remains one of the leading institutions shaping the future in digital transformation and financial inclusion.
Müge ÖNER
Acting General Manager and Board Member