Yapi Kredi

Yapi Kredi is a fully integrated financial services group and is the fourth largest publicly owned bank in Turkey by its asset size.


Financial and Banking  

TR Turkey



Yapi Kredi is a leading bank in Turkey that has been serving customers since 1944. With a customer-centric approach and a focus on innovation, the bank has consistently strengthened its market position in the sector. As of the first quarter of 2023, Yapi Kredi has achieved total assets worth more than TL 1.2 trillion, demonstrating its significant contribution to financing the Turkish economy.

The bank has a strong shareholding structure, with Koç Holding A.S. owning 27.02% of the shares and Koç Financial Services, a subsidiary of Koç Group, owning 40.95% of the shares. The remaining 32.03% of the bank's shares are publicly traded on Borsa Istanbul.

Yapi Kredi serves its customers through a wide network of 803 branches across Turkey, supported by approximately 15.8k employees. The bank offers a range of products and services through its advanced Limitless Banking Channels, including ATMs, internet banking, mobile banking, call center services, and POS terminals. In the first quarter of 2023, 98% of the bank's transactions were conducted through non-branch channels, highlighting its commitment to digital banking.

With a fully integrated financial services group, Yapi Kredi provides retail banking, commercial and SME banking, and corporate banking services. The bank is supported by domestic subsidiaries in asset management, brokerage, leasing, and factoring, as well as international banking subsidiaries in the Netherlands and Azerbaijan. 


Yapi Kredi, founded in 1944, holds the distinction of being Turkey's first nationally private bank with a focus on retail banking. Throughout its history, Yapi Kredi has maintained a prominent position in the banking sector.

In 2006, Yapi Kredi merged with Koçbank, incorporating their respective subsidiaries operating in the same field. This consolidation further strengthened Yapi Kredi's presence in the market.

The following year, in 2007, the bank successfully implemented a business line-based service model and embarked on an expansion of its branch network to better serve its customers.

From 2013 onwards, Yapi Kredi demonstrated effective liquidity management, achieving balanced growth in both credit and deposit areas, ensuring a solid foundation for its operations.

Between 2015 and 2017, the bank made significant investments in information technologies and digitalisation, recognising the importance of digital transformation. These initiatives aimed to enhance the bank's infrastructure and prepared it for future challenges and opportunities in the digital era.

In 2018, Yapi Kredi announced its strategic priorities, focusing on key areas such as piecemeal transactions, transaction banking, yield management, asset quality, and risk appetite. Concurrently, the bank prioritised strengthening critical balance sheet indicators, including liquidity, provisions, and capital structure, to ensure a robust and sustainable financial position.


According to its website, the mission of Yapi Kredi is:

“To achieve long-term sustainable growth, to create value for all stakeholders, to be the first choice of customers and employees."

The mission of Yapi Kredi is focused on achieving long-term sustainable growth and creating value for all stakeholders. As a leading bank in Turkey, Yapi Kredi aims to be the first choice for both customers and employees. The bank strives to provide exceptional financial products and services that meet the diverse needs of its customers, ensuring their satisfaction and loyalty.

Yapi Kredi is committed to maintaining a customer-centric approach and delivering innovative solutions to enhance the banking experience. By continuously adapting to the changing market dynamics and leveraging advanced technologies, the bank aims to stay at the forefront of the industry. 


According to the website, its vision is:

“To be the undisputed leader of the financial sector.”

Yapi Kredi's vision is to become the undisputed leader of the financial sector. The bank aims to establish itself as the benchmark for excellence, innovation, and customer satisfaction in the industry. By continuously striving for excellence in all aspects of its operations, Yapi Kredi aims to set the standard for other financial institutions to follow.

Through its vision, Yapi Kredi seeks to differentiate itself by offering superior financial products and services, cutting-edge technological solutions, and exceptional customer experiences. The bank aims to continuously push the boundaries of what is possible in the financial sector, embracing innovation and digitalization to stay ahead of the competition. 

Key Team

Gökhan Erün (Managing Director and Chief Executive Officer (CEO))

Mehmet Erkan Akbulut (Assistant General Manager - Loans)

Yakup Dogan (Executive Vice President - Banking Without Borders)

Cahit Erdogan (Executive Vice President - Commercial and SME Banking Management)

Abdullah Gider (Assistant General Manager - Internal Audit Management)

Demir Karaaslan (Executive Vice President - Financial Planning and Financial Affairs Management (CFO))

Özden Önaldi (Assistant General Manager - Human Resources Organization and Internal Services)

Mehmet Erkan Özdemir (Assistant General Manager - Compliance, Internal Control and Risk Management)

Gökhan Özdinç (Executive Vice President - Technology, Data and Process Management)

Cemal Aybars Sanal (Assistant General Manager - Legal Management)

Kaan Sakul (Executive Vice President - Corporate Banking)

Serkan Ülgen (Executive Vice President - Retail Banking)

Saruhan Yücel (Deputy General Manager - Treasury and Financial Institutions)

Recognition and Awards
Yapi Kredi has been honored with the Turkey Water Leader award by CDP Turkey, highlighting its commitment to sustainable water management practices. It has also been recognized as the Cash Management - Industry Leader by Euromoney, showcasing its excellence in cash management services. Yapi Kredi's private banking services have been acknowledged with awards such as Turkey's Best Private Banking Award by Global Banking & Finance Awards and the Best Private Banking Award by International Finance Awards. The bank's digital innovation and customer-centric solutions have also been recognized, receiving awards like Europe's Best Online Treasury Services Award and Europe's Best Bill Payment and Display Award by Global Finance World's Best Digital Bank Awards. Yapi Kredi has been recognized as Turkey's Best Digital Bank and has received the Financial Services Award and the Best Financial Services with Financial Services/Banking Award at the Stevie International Awards. Furthermore, Yapi Kredi's efforts in social impact have been acknowledged with the Sustainable Business Awards in the Social Impact category for its support of science migration to Anatolia.

Products and Services

Yapi Kredi offers a wide range of products and services designed to meet the diverse needs of its customers. The bank provides comprehensive retail banking solutions, including payment systems, individual banking, business banking, private banking, and wealth management services. With a customer-centric approach, Yapi Kredi aims to deliver personalised and convenient banking experiences to individuals, entrepreneurs, and businesses of all sizes.

In addition to retail banking, Yapi Kredi caters to the needs of commercial and SME clients, offering specialised banking solutions tailored to their unique requirements. The bank's corporate banking services provide comprehensive financial solutions and advisory services to large corporations and multinational companies.

Yapi Kredi also places a strong emphasis on digital innovation and offers advanced digital banking solutions to its customers. Through its Limitless Banking Channels, including internet banking, mobile banking, call center services, and a vast network of ATMs and POS terminals, customers have access to a seamless and convenient banking experience. These digital channels enable customers to perform various transactions, manage accounts, make payments, and access a range of banking services at their fingertips.

Moreover, Yapi Kredi operates domestic subsidiaries in asset management, brokerage, leasing, and factoring, further expanding its suite of financial services. Internationally, the bank has banking subsidiaries in the Netherlands and Azerbaijan, allowing it to serve clients across borders and provide global banking solutions.

Yapi Kredi
Leadership team

Gökhan Erün (Managing Director and Chief Executive Officer (CEO))

Mehmet Erkan Akbulut (Assistant General Manager - Loans)

Yakup Dogan (Executive Vice President - Banking Without Borders)

Cahit Erdogan (Executive Vice President - Commercial and SME Banking Management)

Abdullah Gider (Assistant General Manager - Internal Audit Management)


Financial and Banking

Products/ Services
Financial services, credit cards, consumer banking, corporate banking, investment banking, mortgage loans, private banking
Number of Employees
1,000 - 20,000
Yapi Kredi Plaza D Blok 34330 Levent - Besiktas - Istanbul
Company Type
Public Limited Company
Company Registration
Traded as
Social Media

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