Audit Committee

Member	Nail Olpak (Member of the Board)
Member	Didem Bahar Özgün Yılmaz (Member of the Board)

On behalf of the Board of Directors, the Audit Committee is authorized and responsible for: ensuring the efficiency and adequacy of the internal control, risk management and internal audit systems; monitoring the operations of internal systems, accounting and reporting systems, and the integrity of the information generated by them in compliance with related legislation; and, during the Board of Directors’ process of choosing independent auditors, rating institutions, evaluation and support services firms, performing pre-assessment of candidates and regularly monitoring the activities of the selected institutions.

Credit Committee

Chairman	Ali Güney (General Manager)
Member	Osman Çelik (Chairman of the Board)
Alternate Member	Mustafa Gültepe (Member of the Board)
Alternate Member	Didem Bahar Özgün Yılmaz (Member of the Board)

The Credit Committee is vested with the authority to issue to a real or legal person a domestic loan up to ten percent (10%) of the Bank’s equities provided that collaterals deemed appropriate by the Board of Directors are created. That kind of authority is limited for different types of guarantees.

The Credit Committee fulfills the said duty delegated thereto by the Board of Directors within the frame of the procedures and principles set out in the applicable legislation in accordance with Article 31 of the Bank’s Articles of Association.

Islamic Banking Advisory Committee

Chairman	Prof. Dr. İsak Emin Aktepe
Vice Chairman	Prof. Dr. Mürteza Bedir
Member	Prof. Dr. Hayrettin Karaman
Secretariat	Regulation and Compliance Directorate

Islamic Banking Advisory Committee established by the Board of Directors decision dated 09 September 2022 and approved by the General Assembly decision dated 21 July 2023 pursues its activities under the Board of Directors pursuant to the Communiqué on Compliance with the Principles and Standards of Participation Banking published on 14 September 2019.

The Advisory Committee is charged with deciding on standard contracts pertaining to the Bank’s products and services associated with Islamic (participation) banking activities, internal guidelines, participation banking principles and standards, and implementation thereof.

Within the scope of the evaluations made by the Islamic Banking Advisory Committee regarding the compliance of the bank's activities with the Islamic Banking Principles and Standards, 24 meetings were held in 2024 and 26 decisions were taken.

The Advisory Committee and the Audit Committee got together to discuss the actions associated with participation banking compliance and audit activities on 30 September 2024 and 23 December 2024. In addition, the Board of Directors was briefed about participation banking operations on 30 September 2024.

Corporate Governance Committee

Member	Özgür Volkan Ağar
Member	Mustafa Gültepe
Secretariat	Process and Quality Management Department

The Corporate Governance Committee is charged with, and responsible for, monitoring the Bank’s compliance with the provisions of the Regulation on Banks’ Corporate Governance Principles (the Regulation) and corporate governance principles, extending support to activities for the implementation and improvement of Corporate Governance Principles, making suggestions to the Board of Directors for improving corporate governance practices, and assessing whether an efficient and effective “corporate governance culture” has been firmly established at the Bank.

Remuneration Committee

Member	Özgür Volkan Ağar
Member	Mustafa Gültepe
Secretariat	Remuneration and Human Resources Services Department

The Remuneration Committee is charged with, and responsible for, the creation and execution of our Bank’s remuneration policy, processes and practices within the frame of a healthy and effective risk management concept with the aim of ensuring an independent and effective remuneration system.

Information Systems (IS) Strategy Committee

The IS Strategy Committee meets with the aim of supervising and evaluating on behalf of the Board of Directors whether the IS investments are duly utilized and the compliance of the Bank’s business goals with IS targets, and of revising them as and when necessary.

Chairman	General Manager
Member	Deputy General Manager for Information Technology and Operations
Member	Deputy General Managers for Related Business Units
Member	IT Architecture and Coordination Director
Member	Strategic Planning and Sustainability Director
Secretariat	Agile Portfolio Management Department

Internal Audit Director, Internal Control Director, Risk Management Director and Regulation and Compliance Director attend the meetings for consultation, without the right to vote on matters being discussed.

Information Systems (IS) Steering Committee

The IS Steering Committee meets for assisting the IS Strategy Committee in the implementation of the IS strategy, determination of priorities, and following up the status of ongoing projects.

Member	Deputy General Managers of Related Business Units
Member	IT Architecture and Coordination Director
Member	Strategic Planning and Sustainability Director
Member	Internal Control Director
Member	Technological Infrastructure Director
Member	Customer and Credit Applications Director
Member	Insurance, Treasury and Finance Applications Director
Member	Digital Channel and Data Analytics Director
Member	Legal Affairs Director
Member	Human Resources and Organizational Development Director
Member	Credit and Insurance Policies, Monitoring and Analytics Director
Member	Regulation and Compliance Director
Member	Agile Portfolio Management Manager
Secretariat	Agile Portfolio Management Department

Internal Audit Director attends the meetings for consultation purposes, without the right to vote on matters being discussed.

Information Security Committee

The Information Security Committee meets for ensuring on behalf of the Board of Directors that information security policy is established and executed.

Chairman	General Manager
Member	Deputy General Managers of Related Business Units
Member	Risk Management Director
Member	Internal Control Director
Member	Legal Affairs Director
Member	Human Resources and Organizational Development Director
Member	Regulation and Compliance Director
Member	Information Security Manager
Secretariat	Information Security Department

Internal Audit Director attends the meetings for consultation purposes, without the right to vote on matters being discussed. 

Operational Risk Committee

The Operational Risk Committee meets for conducting the activities associated with the risk management process.

Chairman	Risk Management Director
Member	Internal Audit Director
Member	Internal Control Director
Member	Regulation and Compliance Director
Member	Technological Infrastructure Director
Member	Human Resources and Organizational Development Director
Member	Financial Affairs Director
Member	Legal Director
Member	Credit and Insurance Policies, Monitoring and Analytics Director
Member	Information Security Director
Secretariat	Risk Management Directorate

Climate-Related Financial Risks Committee

The Climate-Related Financial Risks Committee meets for monitoring the Bank’s compliance with Climate-Related Financial Risks and for undertaking improvement efforts in this respect.

Chairman	Non-Executive Board Member
Member	Risk Management Director
Member	Regulation and Compliance Director
Member	Internal Control Director
Member	Credit and Insurance Policies, Monitoring and Analytics Director
Member	Marketing Director
Member	Financial Affairs Director
Member	Strategic Planning and Sustainability Director
Member	Strategy Development and Business Analytics Director
Member	IT Architecture and Coordination Director
Member	Process and Quality Management Manager
Secretariat	Risk Management Directorate

In addition to the Audit Committee, Credit Committee, Islamic Banking Advisory Committee, Corporate Governance Committee, Remuneration Committee, Information Systems (IS) Strategy Committee, Information Systems (IS) Steering Committee, Information Security Committee, Operational Risk Committee and Climate-Related Financial Risks Committee, there are the following committees at our Bank for the purposes of pursuing activities in alignment with the Bank’s vision and mission, achieving regulatory compliance, effectively managing the Bank’s processes, making decisions duly and quickly, and pursuing long- and short-term risks and opportunities in strategic decisions in line with the corporate governance concept: Executive Committee, Assets and Liabilities Committee (ALCO), Business Continuity and Crisis Management Committee, Anti-Fraud Committee, Confidential Information Disclosure Committee, Disciplinary Committee, Sustainability Committee, Country Risks Assessment Committee, PDPL Committee, Anti-Bribery/Anti-Corruption and Ethics Committee, New Product and Activity Development Committee, and Human Resources Steering Committee.