Turkey’s largest privately owned investment bank,
Corporate and Investment banking in its fields of expertise
with the leading service model
Retail banking, servicing 5 Mln customers (14% market share)
The brand introducing firsts to the industry and known for its
innovative and visionary image
Service model utilizing more than 15k 3rd party outlet rather
than opening up new branches
675 employees, the average age 30
With its low-cost and flexible strategy, accumulated a high
amount of capital and pursued stable growth since 15 years
Rated by JCR as BBB-(Long Term FX)
Crowned with107Awards
in the last 6 years, Aktif Bank was granted with 19 awards in 2016.
28%
72%
Loans
Retail Corporate
TRY
5.9bln
23%
77%
Revenues
Retail Corporate
TRY
0.5bln
Main Financial Assets – TRY Mln 2016 2015 2014
Total Assets 9,538 7,560 6,261
Total Loans 5,888 4,725 4,030
Securities Issued 3,175 2,625 3,009
Shareholders' Equity 1,053 941 889
Operating Income 509 453 375
Net Commissions and Fees 97 59 35
Net Profit 111 81 81
Main Financial Ratios
Return on Average Equity (ROAE) 11.1% 8.8% 9.6%
Return on Average Assets (ROAA) 1.3% 1.2% 1.4%
Non-Performing Loans (NPLs%) 1.8% 2.0% 3.0%
Aktif Bank in Figures
Headcount 675 735 784
Total Number of Customers (mln) 4,9 3,2 2,0
Incorporation Geographical Coverage # of Employees
Çalık Holding 1981 17 Countries 33.000
Incorporated in 1981 and currently
maintains its business operations in the
fields of energy, construction & real
estate, mining, textile, telecom and
finance
Operations span across 17 countries in
Europe, Central Asia, Middle East and
North Africa
As of 2016, the breakdown of Çalık
Holding’s revenue is mainly as follows:
Energy (34%), Construction & Real
Estate (31%) and Banking (18%)
Long Term International Foreign
Currency Rating: BBB- by JCR in 2016
Long Term National Local Rating:
BBB+by JCR in 2016
Çalık
Denim
With an annual production capacity of 42 million meters, CALIK DENIM is one of the
most prominent companies in the world in its respective field.
Gap
Marketing
One of the most powerful companies in the textile sector with affiliates at
Turkmenistan, an advanced corporate structure and a variety of products.
GAP
Construction
Logistics power extending to 3 continents, ranking among the Top Global Contractors
in the list of ENR consecutively since 2006.
Çalık
Energy
One of the worlds leading energy companies, Succesfully completed 17 power plants
with a total capacity of 5.325,20 MW and operates projects across a wide area
encompassing the Middle East, Central Asia, Africa and the Balkans
Aktif
Bank
Turkey’s largest privately owned investment bank, operates in line with a next
generation banking approach through alternative delivery channels
BKT One of the leading banks of Albenia, with $3b asset size an 34% RoE
Lidya
Mining
Operates Turkey’s 2nd biggets gold mine and carries important prospecting portfolio
together with Alacer Gold.
Albtelecom
Extensive portfolio of products and services including Fixed Voice, Mobile Phone,
Internet and IPTV, it is the leader and a pioneer among the telecom operators in
Albenia
Çalık Real
EstateDevelops urban renewal, office, residence and commercial projects
BU
SIN
ESS O
PER
AT
ION
S
CAPITAL:
Ankara
FINANCIAL CENTRE:
Istanbul(GMT +3)
AREA:
783,562 km2
39°55‘
North,
32°50‘East
FOREIGN
TRADE VOLUME:
USD341Bln(end-16)
POPULATION
79.8 Mln (2016)
TOURISM REVENUES
USD 22.1 Bln (end-16)
FOREIGN DIRECT INVESTMENT
USD 12.1 Bln (end-16)$
GDP
USD 861Bln(end-15, current prices)
GDP/CAPITA
USD 11,014 (end-15)
Turkey’s economy
17th
LARGEST WORLDWIDEhas grown impressively by
6% on average since 2002
And its medium-term
prospects are
favorable...
0
1
2
3
4
5
6
7
ave.
Real G
DP G
row
th 2
002-1
5 (
%)
Source: IMF WEO October 2016, Turkstat
Turkey's Performance Among Giants
0
1
2
3
4
ave.
Real G
DP G
row
th 2
002-1
5 (
%)
Source: IMF WEO October 2016, Turkstat
Rosy Medium-Term Outlook
Favorable Demographics
9.1 million university graduates &
5.1 million undergrad students
Mobile phones available in 97% of
households & 25% of households
have access to smart TVs
55% of households and 96% of
enterprises use computer
66% of households and 94% of
companies use Internet
33.1 mn Facebook - 10th largest
worldwide - and 6.5 mn Twitter
users
0
40
80
120
160
Mln
People
Source: UN
Large Domestic Market...
Population 2015 Population 2050
0
10
20
30
40
50
Source: UN
...with a Median Age of 30
A well-
capitalized
banking
sector…
…with a room
to maneuver
0
3
6
9
12
15
18
Source: IMF FSI Indicators
CAR of Selected Markets, End-2015
0
20
40
60
80
100
Germany Italy Czech R. Poland Hungary U.middleincome
S. Africa Russia Romania World Turkey
Source: World Bank
% of Population With an Account at a Financial İnstitution (15+)
Title and
Management
Change
Assets:
USD 58m
1999
Incorporation of
Çalık Bank 2007
First
Bank Bond
Issuance
in Turkey
2008
Acquisition of
EKent 2009
First Local
Asset-Backed
Securities
Issuance
in Turkey
2010
Subsidiary
in Money
Transfer (UPT)
Incorporated
2011
Introduction
of Passolig
2013
Pavo
Incorporated 2014
Sigortayeri
Incorporated
First Mudaraba
Sukuk Issuance
in Turkey
First Eurobond
Issuance
Assets:
USD 2.4Bln
2015
Islamic
Portfolio
Management
Company with
ICD
20162007
2008
2009
2010
2011
2013
2014
20151999
N Kolay
Established
EchoPOS
Established
Haliç Leasing
Incorprated
Eff
icie
nt
Dynam
ic
Entr
epre
neuri
al
Fle
xib
le
Vis
ionary
Pru
dent
Innovati
ve
Average Age : 34
University Grad : 80%
Phd&Masters Degree : 14%
Highest Female Executives : 26% (sector avg 14%)
R&D team size : 20% of organisation
PhD. Serdar SümerCEO and
Board Member
Ahmet Erdal GüncanExecutive
Vice President
Corporate Banking
Ayşegül AdacaExecutive
Vice President
Retail Banking Credits
Gürol GüngörExecutive Vice President
Retail Banking Sales and
Subsidiaries Coordination
Murat BarlasExecutive
Vice President
Finance
Kemalettin KoyuncuExecutive Vice President
Legislation and Legal Affairs
Ömer ÜnverenExecutive
Vice President Treasury
Uğur Gökhan ÖzdinçExecutive Vice President
Information Technology and
Operation
Selcan KaytancıManaging Director,
Human Resources
Muzaffer Suat UtkuExecutive Vice President
Financial Institutions
Filiz ErendaçManaging Director,
Legal Counsel
Non Interest Income/
OPEX
Interest Income
/Interest Expense
Fees & Commissions Margin Profitability
ROAA
Profitability
ROAE
Loan Portfolio
Quality
NPL
Aktif Bank 61%Aktif YatırımBankası A.Ş. 1,82
Aktif YatırımBankası A.Ş.
11,15%
Aktif YatırımBankası A.Ş.
1,30%
Aktif YatırımBankası A.Ş.
1,74%
Aktif YatırımBankası A.Ş.
Peer Group
19%
23%
30%
42%
54%
63%
67%
71%
79%
ICBC Turkey Bank A.Ş.
Burgan Bank A.Ş.
Turkish Bank A.Ş.
Turkland Bank A.Ş.
Fibabanka A.Ş.
Anadolubank A.Ş.
Arap Türk Bankası A.Ş.
BankPozitif Kredi veKalkınma Bankası A.Ş.
Alternatifbank A.Ş.
1,47
1,49
1,53
1,65
1,72
1,86
1,89
2,13
5,09
Burgan Bank A.Ş.
Alternatifbank A.Ş.
Turkland Bank A.Ş.
Fibabanka A.Ş.
Anadolubank A.Ş.
ICBC Turkey Bank A.Ş.
BankPozitif Kredi veKalkınma Bankası A.Ş.
Turkish Bank A.Ş.
Arap Türk Bankası A.Ş.
0,06%
0,18%
0,24%
0,38%
0,59%
0,83%
0,86%
1,39%
1,50%
Alternatifbank A.Ş.
ICBC Turkey Bank A.Ş.
Turkland Bank A.Ş.
Turkish Bank A.Ş.
Burgan Bank A.Ş.
BankPozitif Kredi veKalkınma Bankası A.Ş.
Fibabanka A.Ş.
Arap Türk Bankası A.Ş.
Anadolubank A.Ş.
0,79%
1,84%
2,31%
2,72%
4,28%
6,81%
9,88%
9,91%
12,18%
Alternatifbank A.Ş.
Turkland Bank A.Ş.
ICBC Turkey Bank A.Ş.
Turkish Bank A.Ş.
BankPozitif Kredi veKalkınma Bankası A.Ş.
Burgan Bank A.Ş.
Fibabanka A.Ş.
Arap Türk Bankası A.Ş.
Anadolubank A.Ş.
6,45%
5,94%
5,07%
3,00%
2,23%
2,14%
1,84%
1,53%
1,46%
Turkland Bank A.Ş.
BankPozitif Kredi veKalkınma Bankası A.Ş.
Alternatifbank A.Ş.
Anadolubank A.Ş.
ICBC Turkey Bank A.Ş.
Burgan Bank A.Ş.
Fibabanka A.Ş.
Turkish Bank A.Ş.
Arap Türk Bankası A.Ş.
Peer Group &
Banking Sector
Average52,0%
73,0%
Peer Group
Banking Sector
1,6%
1,91%
Peer Group
Banking Sector
0,66%
1,51%
Peer Group
Banking Sector
3,16%
3,12%
Peer Group
Banking Sector
6,61%
13,36%
Peer Group
Banking Sector
66 112 252578
1.479
2.553
3.520
5.104
6.261
7.560
9.500
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Total Asset Size (TRY Mln)
(TRY Mln)
* Peer Group: Anadolubank, Arap Türk Bankası, Bank Pozitif, Fibabanka, Burgan Bank, Turkish Bank, T-Bank, ICBC Turkey, Abank
CAGR
65%
YoY Total Assets Growth Rate
38%
45%
23%
21%
26%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
0 1 2 3 4 5 6
YoY
Gro
wth
%
Years
Aktif Bank
Peer Group
TurkishBankingSector
2011-1
2
2012-1
3
2013-1
4
2014-1
5
2015-1
6
2,43%
2,98%
1,95%
1,80%
2,79%
3,34%
3,63%
3,36%
2,69% 2,75%2,96% 3,03%
2013 2014 2015 2016
NPL Ratio
Aktif Bank
PeerGroup
TurkishBankingSector
93%
69%
62%
50%
2015 Q2 2015 Q4 2016 Q2 2016 Q4
Cost/Income Ratio
Strong focus on operating costs for the last
two years, and reached the lowest C/I ratio
among the peers in 2016.
Process optimization and paperless digital
transactions projects aim to increase
efficiency by 10% every year
Long established and proven risk management
High technology solutions and in-house
developed instant credit evolution system
Prudent provisioning & strong collections
performance
PeerGroup
avg:74%
Total securities issued: TRY 20bn
Sustainable and low-cost focused growth
Robust and balanced funding base
Alternative funding opportunities with ABSs and islamic products
Strong capital base
Composition of Liabilities & SE
66%
34%Domestic
Foreign
Securities
Issued; 33%
Payables to
Banks; 30%
Shareholders’
Eq; 11%
Payables to money
market; 8%
Funds; 9%
Other
liabilities; 9%
Bank Bond (TRY)
Foreign Eurobond Issuance
TRY 300 Mln IFM, Project
Sukuk Financing
• The first Project Finance Sukuk in
Turkey to finance the İstanbul
International Financial Center.
Three issuances with an aggregate
amount of TRY 300 million
• “Islamic Finance Deal of the Year”
award by the international “The
Banker” magazine.
Digital public-offer bond
Asset-Backed Securities
Sukuk Issuance (TRY)
TRY 20 Bln Bond,
$100 Mln and €100 Mln
Eurobond Issuance,
Firstsin Turkey
TL 2.2Bln Asset-Backed
Securities
• Issued TRY 2.2 Billion worth Asset
Backed Securities through Borsa
Istanbul, pioneering the market.
• The longest tenor following Turkish
Treasury’s TRY denominated
issuances along with being the
highest rated securities with a
rating note of AAA.
TL100Mln Lease
Certificate Issuance
• The first Islamic debt instrument
listed on Borsa İstanbul to
finance the acquisition of
vehicles by Fleetcorp.
TRY 100 Mln asset backed
securities; colloboration with the
largest GSM operator Turkcell
45%
15%
10%
9%
6%
5%3%
7%
Corporate Banking Exposure
0,5
1,2
1,82,2
2014 2015 2016 2017
Corporate Loan Size (TRY Bln)
89%
ROA 3.7%
Commission Income TRY 16,2 Mln
Sports Finance
Innovative
solutions for club
financing with the
synergy of
Passolig
Investment of
1.6 K TRY
for14 football clubs,
TRY650Mlnbalance
Stadium
financing with
the longest
term and
budget in
Turkey
EkoLigprovides know-
how through Sports
Financing Summit,
Sports Financing
Certificate
Programs
Turkey’s
First Sukuk
Financing with
IFM
TRY300Mln
Commercial
Real estate
Partnership,
Revenue-and
profit-sharing
models
Qualified
Investor-oriented
real estate
and venture
funds
Real Estate
Project Finance
Energy
Finance
Agricultural
Finance
Research &
Development
Finance
Long term
project
finance which
funds SEP, WPP,
GPP and HPP
installations
21 projects,
Loan limit up to
TRY300Mln,
investment of
TRY80Mln
Training and
consultancy
services for
farmers and
operators
Stakeholdership
and investment in
highly-potential
projects
supported by
TUBITAK and
BSTB
Proving itself
with cotton
finance, this
innovative model
will expand with
new products
The only
model measuring
the agricultural
value chain end-to-
end and converting
this value into
investment
Besides financial
support; following
innovations, channeling
the bank into new
opportunities and
channels
Project finance
and partnership
solutions in
renewable
energy
industry
Investment Banking
Joint ventures and operations
in six countries’ financial
markets
Buy & Sell side advisory
services
Management of negotiation
strategies and processes
Management of closing
operations
Islamic Finance
Active collaboration with ITFC
and ICD of IDB Group
Non-Cash Loans, Mezzanine,
Leasing, and Refinancing
Authorized to offer murabaha,
ijara and wakala placements
Loans through major consumer
goods dealers - structured in a
Shariah compliant
Corporate Consultancy and Financing
Debt advisory and
restructuring services
Easy access to local and int’l
financial markets
Provide access to Asset-Backed
Financing, Syndicated Loans
Working Capital Advisory
services
Correspondent Banking
Cash management and remittance
services to more than 150 Banks with
flexible and competitive T&C
UPT for retail remittance transaction
Competitive treasury services
DCM tools
Islamic finance
Trade finance
ECA and Trade loans
We work with a philosophy of
“New Generation Banking’’ via 3rd party
delivery channels instead of opening branches
We Reinvented the Retail
Banking Service Model
Conta
ct
Poin
ts
5000Kiosk banking through retail
outlets troughout the country
500
Licensed bill payment subsidiary,
servicing via dedicated franchise
branches
1500Consumer lending through retail
outlets
Banking services through Post
Offices; one of the largest
distribution channels of Turkey
4500
450Licenced remittance payment
institution subsidiary, operates
globally
Massive customer acquisition through
affinity cards and digital solutions
We Reinvented the Retail
Banking Service Model
Passolig Fan-ID card and e-ticketing
system; resulted a massive bank
customer acquisiton
2,7mlnCUSTOMER
9mlnCARD
Transportation cards and smart city
technologies in 15 cities; reached to
millions of customer and annual 1 bln
financial transactions
1mlnAPPLICATION
Nkolay.com digital banking platform
provides banking products with all variety
200KSMEs
Smart POS sales and distribution activites;
created a large SME network (10% of market)
Aktif Bank’s unique distribution model
has proven itself to a great extent...
Aktif Bank Sector Crosscheck
Physical loans
point4.5K 10K 45%
ATM-Kiosk 4.3K 48K 10%
# of Customers 5Mln 37Mln 13%
# of Employees 1.3K 220K 0.5%
Customer per
employee3.8K 170 22 kat
Employee per # of
cards2K 770 2.5 kat
Employee Per
Personal Financial
Loans (TL)
1.5Mln 0.7Mln 2 kat
Crosscheck
45%
10%
13%
0.5%
22 Times
2.5 Times
2 Times
Sector Ranking (2016–Q3)
Balance (Mln TL)
2015 2016-Q4 Difference
Aktif Bank 1.238 1.975 60%
Market 155,965 166,962 6.5%
Share of
Sector0.79% 1.18 % 49%
Bank
Number Of Retail
BranchesConsumer Loan
(TRY Mln)
Ziraat Bankası 1.812 23.973
İş Bankası 1.375 19.254
Garanti Bankası 976 17.688
YKB. 965 16.515
Vakıflar 926 15.944
Akbank 883 14.292
Halk Bankası 961 11.895
Finans Bank 630 7.629
Denizbank 690 6.726
ING 273 4.820
TEB 539 4.001
Aktif Bank - 1.756
HSBC 191 1.582
Odea Bank 50 1.445
Şekerbank 273 912
ICBC 44 191
Fibabanka 70 148
Burgan Bank 51 117
BankPozitif - 72
Alternatifbank 53 60
Anadolubank 106 45
Turkland Bank 34 5
Turkish Bank 13 3
10TIMES
1,1bln
Post Office 350mln
Retailers & Auto200mln
Digital
8.30
29.20
43.6
Insurance Commission Income (Mln TRY)
2015 2016 2017
29Mln
In
2016
Credit Life Insurance
Commission Income
Loan issued(TRY)
2,7MlnCards Sold
5Mln
Match tickets
sold
TRY200Mln
Tickets sold
9Mln
People
went to
stadiums
672K
1.6M
2.5M3M
2014 2015 2016 2017
# of Cards
PASSOLIG
1 of 5 Debit Cards
purchased in Turkey is
The unique card experience
which allows the cardholders;
To enter football stadiums and
purchase season or daily electronic
match tickets,
Experience 100 % online card
application form and e-ticketing
platform,
Choose Debit/prepaid and credit
card preferences,
Benefit Customized campaign
management,
Replace the mass transportation
cards thanks to DESFire
technology,
Enjoy fast & easy contactless
payment feature,
Provide financial contribution to
the teams they support with each
card transaction.
First of its kind payment experience
in mass transportation globally.
Mchip advance technology enables
cardholders to benefit from various
campaigns.
Transfer and fare differentiation are
applicable
Integrated with mobile app and HCE.
Contactless payment feature
Solution for immigrants’ card system
access
Free & easy to get via UPT agents and
use instantly
Integrated with the UPT payment
account and money transfer services
Targeting the unbanked bill payment
customers
Free & easy to get via N kolay
franchises and use instantly
Cardholders can access their utility
payment history and benefit various
segmented campaigns
Transportation is now easy with N Kolay Mobile App!
Mobile Payment
Bus ticket payments
via Mobile Phone
Search Bus. Line,
Address, Station
Setting up alert for
buses
Top-up; Virtual
Card, Ankara
Card, Automatic
top-up instruction
Money Transfer APP
Money transfer
with phone
number
Mobile Payments
Game & top-up
Virtual Card
Follow – up
accounts
UPT service
points
on MOBILE PHONE
Mobile
Payment
Match Ticket
Card
Application
Top-up
Extension
Follow-up
fixtures and
league table
Alarm
systems
1Bln
Transactions
33Mln
Magnetic
Ticketing
Processes
9Mln
Smart Cards
Management
1,9Mln
Annual Card
Sales
Total of
18CITIES
5METROPOLITANSincuding Ankara
5,261Buses
2,300Dealers
300Kiosks
100Box
Offices/
Stores 8Transportation
Websites
4Transportation
Mobile
Apps Smart
Vehicle
Recognition
System
6,400Validators
Ekent
Kiosk
Software
26CITIES
2.6Mln
Passolig Cards
46STADIUMS
TRY 4Mln
Turnover
10Mln
Stadium
Entries
5Mln
Sales
835KCards Sold
through
Box Offices
2,000Turnstiles
800Portable
Terminals
500Box Offices
46System
Rooms and
Operation
Centers
10,000Security
Camera
System
Tra
nsa
cti
ons
63,5
68,6
73,4
Transactions (Mln)
2015 2016 2017E
2
6
8
EBITDA (Mln TRY)
2015 2016 2017
Invoice payment
Money Transfer
Credit
Card Payment
Prepaid
GSMtop-up
Matchtickets
N Kolay
LoanApplication
Subscription
Transactions 500N Kolay Stores
4,250Kiosks
68 Mln
Transactions
3 Mln
Customers
43.8
91
138.7Premium (Mln TRY)
2015 2016 2017
13.6
35
51.4
Commission Fee (Mln TRY)
2015 2016 2017
Largest Insurance DistributionChannel in Turkey
Among the
Largest
10Insurance
Brokers across
the industry
450K+Individual
Customers
1Mln
+ Proposals
TRY1,4Mln
Transactions
Became
2ndLargest
Cash
Payment
Institution
in Turkey
Collaborating
with
125Active
Countries
Ranked
20thin 500
Great
Service
Exporters
Market
Share
Reached
13% rom
7%
UPT in 2016:
2.74.6
10
EBITDA (Mln TRY)
2015 2016 2017
11.3
1.8
Transactions (Mln)
2015 2016 2017
46,5
110 114
POS Devices Sold (pcs-thousand)
2015 2016 2017
59
121140
Net Turnover (Mln TRY)
2015 2016 2017
4
12 12
EBITDA (Mln TRY)
2015 2016 2017
Exclusive partner of
Ingenico and has
60%market
share in
Turkish POS
devices market.
FastestEasiest
Lightest
Sells 1 of Every 4 Smart POSs in 2016
20,000 Points of
Market
Automation
TargetPurchasing
instead of
Renting
New
Generation
Software
Architecture
Windows-
Based
Flexible
Integration
Structure
Real Time and
Two - Sided
Communication
Managed by
Web and
Mobile
Loyalty Card
Management
Campaign
Management
Plug & Run,
Set-up
Easy
Training
and
Practical
Use
Central
Management
Windows-
and Android-
Based
Real Time and
Two - Sided
Communication
Campaign
and
Promotion
Management
Following
Stock, Sales,
Order,
Turnover and
Profitability
Loyalty
Management(Branch &
Customer)
30,000 SME
solutions
target
Flexible
Integration
Structure
Loyalty
Management(Branch &
Customer)
Mobile-Web
Application
Reporting
Mükafat Asset Management
Established by cooperation of Islamic Development Bank
and Aktif Bank, partnership structure that combines the
power of 57 countries
Innovative solutions via mutual and pension funds, along
with private and corporate discretionary portfolio
management
High-yielding interest-free (Islamic) alternative
investments such as Real Estate Funds and Private Equity
Funds offered to qualified investors
Turkey’s first overnight Islamic Short-term Sukuk Fund,
providing cash and liquidity management
Trustworthy gateway for foreign investments in Turkey
through our expertise in money and capital markets
Earn without interest...
“Mercomm Awards”Aktif Bank was granted with
“Gold Award”in “Written Text” category and
“Honor Awards”in Cover Photo / Design” category.
“Galaxy Awards”Aktif Bank was granted with the
“Honors Award”in “Design-Non-Traditional Europe”
category of the
“Galaxy Awards”
“Hermes Awards”Based on the theme
“The Art of Banking”,Aktif Bank was granted with the
“Platinum Award”in Annual Reports category of the
“Hermes Creative Awards”
“LACP Awards”Based on the theme “The Art of Banking”,
Aktif Bank was granted with 9 awards including
“Platinum Awards”in “Bank and Financial Institutions” category
and "Gold Awards" in
“Printed and Digital Reports” as well as
“Banking” categories of the "Vision Awards"
Global Banking &Finance Review
AWARDS
As a reflection of its new
generation banking
approach, Aktif Bank
proved its success one
more time on international
arena by getting the
“Best Investment Bank
in Turkey”
Award
Financial World Innovation
AWARDS
Aktif Bank was granted with
“1st prize”in the “Innovation or
enhancement in product or
proposition design –
deposits, savings and
loans” category with
İts N Kolay Credit
product.
ConnectedStadiumAWARDS
Aktif Bank was granted with
"Most Innovative
Project”award in Connected Stadium
Innovation Category of
Connected Stadium Awards
thanks to the value that the
bank adds to their customers
with Passolig and the
applicability and sustainability
features of the project.
InteractiveMediaAWARDS
aktifbank.com.tr website
was granted with the
"Best in Class”ward
in "Banking" category and
Nkolaykredi.com website
was granted with the
"Outstanding
Achievement«award in "Financial Services"
category.
MastercardCatalystAWARDS
Increasing its credit card
numbers most within a year,
Aktif Bank was granted with
“MasterCard Catalyst 2016”
award in sales category and
recognized as the
First Bankwhich increased its
credit card numbers
most within a year.
CallCenterAWARDS
Aktif Bank was granted
with EN15838:2009Customer Contact Center
Management System
Certification by
Call Centers Association,
proving quality of the
services provided
by its call centers.
2015 Annual Report, drawn up on the theme “The Art of Banking”, won13 awards in 2016.