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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%


1,30%


1,74%


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.


Turkland Bank A.Ş.

Fibabanka A.Ş.

Anadolubank A.Ş.



Turkish Bank A.Ş.


0,06%

0,18%

0,24%

0,38%

0,59%

0,83%

0,86%

1,39%

1,50%



Turkland Bank A.Ş.

Turkish Bank A.Ş.

Burgan Bank A.Ş.


Fibabanka A.Ş.


Anadolubank A.Ş.

0,79%

1,84%

2,31%

2,72%

4,28%

6,81%

9,88%

9,91%

12,18%


Turkland Bank A.Ş.


Turkish Bank A.Ş.


Burgan Bank A.Ş.

Fibabanka 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.



Anadolubank A.Ş.


Burgan Bank A.Ş.

Fibabanka A.Ş.

Turkish Bank 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.

https://www.passolig.com.tr/passolig-cuzdan

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


"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,


“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.

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