Home - Türk Ticaret Bankası Annual Report 2025

Annual Report 2025

In 2025, we transformed our strategic objectives into tangible results and turned our vision into action. We demonstrated our resolve in every step and our long-term perspective in every decision. Numbers reflected our strength—but so did our value-driven practices, the trust we built with our customers, and the high performance of our employees.

Today, we are more than a bank that has been rebuilt—we are a dynamic, agile institution; recognized as a second home for exporters, rapidly adapting to change, and strengthened by a sharp focus on innovation. Operating with an approach that enhances our customers’ competitiveness in international markets, prioritizes sustainable growth, and is fueled by a culture that embraces change and innovation, we remain firmly committed to our goal of being a differentiated bank and a bank that inspires trust, and builds the future.

Strengthened
Financial Structure

Pursuing a balanced growth strategy in 2025, we strengthened our market position. Our total assets reached TL 47 billion, while our net profit rose to TL 560 million. Through capital increases during the year, we boosted our equity to TL 9.7 billion, and with a capital adequacy ratio of 20.70%, we established a solid foundation for our future goals.

Business Volume

TL 94.1 billion

Secure
Technological Infrastructure

Following the establishment of our core infrastructure in 2024, we advanced it to operational maturity in 2025, completing critical steps in business continuity and network modernization. We successfully conducted disaster recovery (DR) tests, further strengthening our business continuity capabilities. Additionally, by implementing SD-WAN architecture, we achieved centralized and application-based management capabilities. This transformation produced significant improvements in both system resilience and operational efficiency.

IT Investment

TL 773 million

Customer-Centric
Digitalization

Through our “phygital” banking model, which merges physical trust with digital speed, we provide a seamless service experience to all our customers, with a particular focus on exporters. Leveraging artificial intelligence and data analytics, we anticipate customer needs and deliver the right solutions at the right time. With our ongoing investments in digital channels, we aim to further enhance the user experience.

Export-Focused
Growth

In 2025, we differentiated ourselves in the sector with our export-oriented banking strategy. The trust placed in us reflected in our TL 35.6 billion deposit volume, was transformed into TL 76.3 billion in financing provided to the real sector. By rapidly diversifying our exporter portfolio, we effectively turned our founding mission into action. Steadfastly aiming to become the second home for exporters, we continue contributing to our country’s production and export strength.

Deposit Volume

TL 35,6 billion

Expanding
Footprint

With our successful expansion performance, we opened the highest number of new branches among private banks. Today, we operate a network of 11 branches and a team of 401 employees. With each new branch, we strengthen our support to the real sector and continue to build our growth strategy on solid foundations.

Shareholders’ Equity

TL 9.7 billion

Prof. Dr. Yusuf Balcı
Chairman of the Board of Directors

With our 112-year legacy and digital vision, we are not only the bank of our exporters, but also their strategic partner.

Message from the Chairman

For our Bank, 2025 was a year not only of reactivation, but also of active growth, institutional deepening, and a strengthened presence in the field.

İlker Yeşil
Member of the Board of Directors and CEO

Fortified by our qualified human capital and advanced technology investments, we strengthened our vision of lean, fast, and “phygital” banking.

Message from the Ceo

With our robust institutional infrastructure, advanced digital capabilities, and strong capital base, as Türk Ticaret Bankası, we have ushered in a new era in export financing.

2025 in Figures

Financial strength for the future

Türk Ticaret Bankası’s business volume reached TL 94.1 billion in 2025.

401

Number of Employees*

47 TL BILLION

Assets

Branches

9.7 TL BILLION

Shareholders’ Equity

58.5 TL BILLION

Total Loans

94.1 TL BILLION

Business Volume

* Interns are included in the number of employees.

Highlights of 2025

A year of strategic deepening and digital transformation

In 2025, Türk Ticaret Bankası actualized its phygital banking vision with the launch of its Digital Banking Platform and remote customer acquisition processes.