Treasury and Financial Institutions

Türk Ticaret Bankası’s Treasury and Financial Institutions Division consists of the Balance Sheet Management and Markets, Treasury Sales, Financial Institutions, and Economic Research units. In line with the Bank’s policies, the core responsibilities of the Treasury and Financial Institutions include managing the balance sheet, funding strategies, and market risks; pricing treasury products to protect customers from financial risks; managing relationships with financial institutions; and monitoring economic developments.

Türk Ticaret Bankası, focusing on increasing its capacity to generate interest and non-interest income, completed 2025 with a strong performance, reaching a transaction volume exceeding USD 2 billion in the interbank markets. Closely monitoring the financial markets, the Bank has established its treasury management policies and processes, and continued its efforts to install expert systems aimed at increasing profitability and efficiency in 2025. These technology investments aim to ensure the effective execution of risk management and the offering of new products to customers. To successfully achieve the goals of growing the Bank’s assets with high quality and speed, and providing permanent and reliable support to exporters in accessing finance, collaborations have been established with domestic and international financial institutions.

Rapid Growth Driven by Strong Capital and Stable Deposits Resources

In 2025, Türk Ticaret Bankası continued its activities to achieve its balance sheet size and profit targets through the effective use of money and capital market products. Considering liquidity requirements, a successful performance was demonstrated in collaboration with business units to secure the necessary resources for the healthy and balanced growth of assets, particularly loans, reaching a deposit size of over TL 35 billion.

Throughout the year, the Asset-Liability Committee received regular presentations on developments in financial markets and their potential impacts to guide balance-sheet management strategies, and views and recommendations on Funds Transfer Pricing were also provided.

Efforts are ongoing to establish an advanced Treasury Management System to ensure that currency and interest-rate risks are managed optimally so that capital and income are not adversely affected by market fluctuations.

Treasury Sales Activities Focused on Products and Services Diversification

In 2025, Türk Ticaret Bankası continued its investments in qualified human resources and advanced technology to expand its range of treasury products that meet customers’ needs for protection against financial risks and to increase its sales capacity.

Applications for an operating license were made to the Capital Markets Board of Türkiye in December 2024. In 2025, the necessary policies, procedures, contracts, and documents were prepared in accordance with the relevant laws and communiqués. In May 2025, an authorization certificate was obtained from the Capital Markets Board of Türkiye for investment services and activities in “Transaction Intermediation,” “Portfolio Intermediation,” and “Limited Custody Service,” as well as ancillary services, and derivative products began to be offered to customers to hedge against financial risks.

In line with principles focused on customer satisfaction and benefits, value-adding activities for customers continue to be carried out successfully. In 2026, it is planned to diversify products and services in Capital Markets and Derivative Instruments to enhance exporters’ competitiveness and to increase trading volume.

Collaboration with National and International Financial Institutions

In 2025, efforts continued to develop solutions offered to customers in trade finance and to expand the Bank’s correspondent banking network.

Since commencing its operations, Türk Ticaret Bankası has increased its recognition in national and international markets and has rapidly expanded its correspondent banking network. In 2025, RMA (Relationship Management Application) relationships were established via SWIFT with over 50 financial institutions.

Furthermore, Türk Ticaret Bankası, which began operations in the last quarter of 2024, opened foreign currency accounts with correspondent banks abroad in a very short time and started processing foreign currency transfers for its customers.

Throughout 2025, the focus was on increasing the support and solutions provided to customers in the field of trade finance. While advancing rapidly toward becoming the Primary Bank for Exporters, the foreign trade transactions that increased in parallel with the expanding customer portfolio, such as letters of credit, external guarantees, and documents against payment, were channeled to correspondent banks with which relationships had been established.

Efforts to increase the support and solutions provided to customers in trade finance continued; in addition to customer-focused collaborations, credit relationships were established with correspondent banks to carry out treasury transactions.

In 2026, efforts will continue to expand the correspondent banking network that supports both the trade finance solutions offered to customers and the Bank’s own transactions.

Economic Research

Türk Ticaret Bankası systematically monitors cyclical, structural, sectoral, and regional developments in the Turkish and global economies, analyzing macroeconomic indicators, monetary and fiscal policies, and financial market dynamics within a holistic framework. The economic outlook, forecasts, and scenario studies produced from these analyses provide analytical input for managing the asset-liability balance, funding strategies, and market risks in Treasury Management processes; for assessing credit, market, and liquidity risks in Risk Management processes; and for medium and long-term planning in Strategy and Budgeting processes.

The Bank shares the outputs and assessments from its economic research with relevant business units, particularly the Treasury and Financial Institutions Unit and the Bank’s Senior Management, through regular reports, presentations, and special analyses, thereby ensuring that decision-making processes are built on a strong economic framework.