FINTECH PLATFORM - Aktif Bank · market customer in Turkey Partnership service model with 15K...
42
Transcript of FINTECH PLATFORM - Aktif Bank · market customer in Turkey Partnership service model with 15K...
FINTECH PLATFORM2
FINTECH PLATFORM33
4
DIG
ITA
LP
HY
SIC
AL
2018
PH
YG
ITA
L
2019
7.7
MILLIONS OF
CUSTOMER
N Kolay
Pay with
N Kolay
10
N Kolay Ankara
N Kolay Ankara Card
Passonkolaybono.com
6.4
2017
4.8
2016
Loans & Money Transfer
Services via Dealer
Network
N Kolay Stores
passo.com.tr
2
2014
sigortayeri.com
1
2013
Loans & Money Transfer Services via PTT Offices
Universal Money Transfer
0.13
2010
Banking Services
2008
nkolaykredi.com.tr
3.3
2015
Enter the amount
you need
Fill out the short
form and approve
digital contracts
Get your Money in
5 minutes
Instant Loan Application
Passo Events
nkolay.com
13,75
14,56*
N Kolay Card
5
Subsidiaries
Serdar Sümer, PhDCEO and Board Member
Filiz Erendaç
Managing Director
Legal Counsel
Betügül Toker
Executive Vice President
Digital Banking & Payment Systems
Ahmet Erdal Güncan
Executive Vice President
Corporate Banking
Kemaleddin Koyuncu
Board Member
Internal Systems
Murat Barlas
Executive Vice President
Treasury
Selcan Kaytancı
Managing Director
Human Resources and Operations
Haluk YumHakan Özat Kağan CandanCüneyt TanrıverdiCeyhun KazancıBayram Yücel
Atila Yanpar
Executive Vice President
Credit Analytics and Capital Markets
Muzaffer Suat Utku
Executive Vice President
Financial Institutions
Nalan Aydın Tüfekçi
Executive Vice President
Information Technology
Ufuk Karakaya
Managing Director
Subsidiary Management
Özer Burhan
Managing Director
Finance
FINTECH PLATFORMU6
Performing with
1,000 employees,
conducting 10 key
subsidiaries
Servicing to 18%
of total retail
market customer
in Turkey
Partnership
service model
with 15K client
touchpoints
SPORTS &
ENTERTAINMENT
MONEY
TRANSFER
INSURANCE
BANKING
CARDS &
PAYMENT
SYSTEMS
ELECTRONIC
SECURITY
POS
TRANSPORTATION
UTILITY
PAYMENT
PRODUCT FACTORY WITH ITS
SALES MACHINE
WE ARE TURKEY’S LARGEST FINTECH PLATFORM
Aktif Bank, being the largest privately owned investment
bank in Turkey, performs with its subsidiaries and
diversified sectors, servicing to 10 millions of
customers through online and offline channels.
PRODUCT PARTNER PLACE SINCE
Passolig
DEBIT
2014Passolig
PREPAID
Passolig
CREDIT CARD
N Kolay
WALLET/DEBIT
CARD2017
N Kolay
ANKARA CARD2018
SYNERGY AT FINTECH PLATFORM
PAYMENT SYSTEMS
FINTECH PLATFORM7
SYNERGY AT FINTECH PLATFORM
CORE BANKING PRODUCTS
PRODUCT PARTNER PLACE SINCE
BOND2009
BOND2017
LOAN2017
Bayi
LOAN2009
PTT
LOAN2010
FINTECH PLATFORM8
AKTIF BANK
PRODUCT PARTNER SINCE
N Kolay 2019
Passo Mobile 2017
N Kolay
Ankara Card2018
SYNERGY AT FINTECH PLATFORM
APPLICATIONS
FINTECH PLATFORM9
PRODUCT PARTNER SINCE
UPT
MONEY TRANSFER2014
N Kolay
PAYMENT INSTITUTION2013
E-Kent
SMART CITY SOLUTIONS2008
Sigortayeri
INSURANCE2013
PAVO
CASHIER SERVICES2013
ECHOPOS
POS SOLUTIONS2016
SECOMAKTIF
SECURITY SERVICES2019
SYNERGY AT FINTECH PLATFORM
SUBSIDIARIES
%
NEW
FINTECH PLATFORM10
11
With the introduction of the PASSOLIG card’s e-ticket
platform, which requires fans to register before
purchasing a ticket, Turkey’s football matches have had
fewer instances of violence and hooliganism.
PASSOLİG, is the unique e-ticket platform which gives
Turkish football fans a more convenient, more secure
way to buy and use match tickets, performing a
number of other functions as well.
According to user preference, the Passolig Card can be requested as «pre-paid, debit or credit card».
12
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
AKTİF BANK
ECOSYSTEM
CARDS &
PAYMENT
SPORTS &
ENTERTAINMENT
FINTECH PLATFORM13
UNIVERSE WITH NUMBERS
Largest issuer of prepaid cards
in Turkish Private Banks with
4.7 2.5
53
STADIUMS
36
BOX OFFICES
11,619
CAMERAS
2,074 TURNSTILES
562
HANDHELD
29
CITIES
21 MLN
PEOPLE ACCESSED TO THE
STADIUMS
1.6 MIA
CLUBS EARNED
MATCHDAY REVENUE
2 MLN PEOPLE ACCESSED TO STADIUMS
FOR CHAMPIONS LEAGUE AND UEFA
EUROPA LEAGUE MATCHES
4.9 MLN
PASSO MOBILE APP.
DOWNLOAD
(FROM AUGUST 2017)
1.5 MLN
SEASON
TICKETS
5 MLN
CARDS SOLD
620 K
PASSO.COM.TR VISITORS
(PER MONTH)
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
AKTİF BANK
ECOSYSTEM
CARDS &
PAYMENT
SPORTS &
ENTERTAINMENT
14
PASSO MOBILE IS BECOMING THE MOST
Football Related
Services
COMPREHENSIVE ENTERTAINMENT APP IN TURKEY
Mobile Match Ticket
E-Ticket Sales
Passolig Card Application
Top-up
Follow-up fixtures and League Table
Ticket Notifications
Live Score, Match Centre
Financial
Services
Overdraft (for ticket buying)
N Kolay Loan
N Kolay Bond
Entertainment Content
Event Tickets
Ticket Notifications
Entertainment
4.9MLN
DOWNLOAD
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
SPORTS &
ENTERTAINMENT
14
15
UNIQUE MODEL COMBINING TRANSPORTATION & SHOPPING
FEATURES IN ONE PLATFORM: N KOLAY ANKARA CARD
ANKARA CARD
TOP-UP
BUS LINE AND
TRANSPORTATION
NOTIFICATIONS
EASY HOP-ON
WITH MOBILE
PHONES
450KDOWNLOAD
FIRST IN TURKEY
VALID IN
SUBWAYS, BUSES,
RAILWAYS,
TRAINS, CABLE
CARS
CONTACTLESS
SHOPPING AND
TRANSPORTATION
FEATURES VIA
ANDROID DEVICES
SHOPPING AND CASH
WITHDRAWAL
FEATURES ALL
AROUND THE WORLD
256KN KOLAY
ANKARA CARD
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
UTILITY
PAYMENT
BLOCKCHAİN POS
AKTİF BANK
ECOSYSTEM
CARDS &
PAYMENT
TRANSPORTATION
FINTECH PLATFORM16
No paper work,
no offline channel
visit, 100% digital
Process TRY 900
Mln volume
generation
Instant and
cash loan
service by
365 days &
24 hours
New generation retail lending platform:
Enter the amount you
need
Fill out the short form and approve digital contracts
Get your Money in 5 minutes
Instant Loan Application
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
BANKING
DIGITAL
FINTECH PLATFORM17
End-to-end digital
process
Full digital retail investment platform:
13,75
14,56*
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
DIGITAL
BANKING
FINTECH PLATFORM18
The firstBond App in
Turkey
N Kolaywill be a part of Everybody’s
Life
• N Kolay Bond buy / sell / order
• Customer acquisition
• Have Money: Bond, Repo, FX, Crypto Currency
• Need Money: Personal loan, credit card
• Use Money: Bill payment, shopping, QR and payment transactions
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
DIGITAL
BANKING
GO TO NKOLAYODE.COM AND IN JUST 3 MINUTES BECOME A N KOLAY ÖDE MERCHANT!
EASY WAY TO GET PAYMENTS!
Log in PassoMobile
Complete the payment by scanning QR code
FIRST IN
TURKEY!
Receiving Payments
from 4.6 million
Passolig Cardholders
No need POS
or any device
Opportunity to
define any other
other bank account
100% Digital
As of today, we have already
acquired 600 merchants
19
OPEN
Click «Pay via QR» button
Pay via QR Code
DİGİTALLY SAVVY
COMPANYBecause in this company, we have
the easiest way of payment via N
Kolay
20 AKTİF BANK
Log-in Passo Mobile
Complete the payment by scanning QR code
Click «Pay via QR» button
Pay via QR Code
Enjoy easy, fast mobile payments at
N Kolay Öde merchants!
Innovative & Distinctive Experience
Payment through
Smart Phone
Easy, Fast and commission-free Money Transfer
FIRST IN
TURKEY!
Easy Loan
Packages0% interest rate for
15 days
Personal
LoanUp to 60 months
NOW, PAYMENT AND MONEY TRANSFER ACTIONS ARE
VERY EASY THANKS TO N KOLAY!
Enjoy easy, fast mobile payments at
N Kolay Öde merchants!
Innovative & Distinctive Experience
Payment through
Smart Phone
Easy, Fast and commission-free Money Transfer
FIRST IN
TURKEY!
Easy Loan
Packages0% interest rate for
15 days
Personal
LoanUp to 60 months
20
SUBSIDIARIES21
Collaborating with
200active countries 2.7
4.6
10.4
17
7.5
EBITDA (TRY MLN)
2015 2016 2017 2018 2019 Q3
11.3
2.42.7
0.4
Transactions (Mln)
2015 2016 2017 2018 2019 Q3
FIRST LICENSED PAYMENT INSTITUTION
IN TURKEY INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
MONEY
TRANSFER
SUBSIDIARIES22
AMERICAABDCANADA
ALGERIA
BENIN
BURKINA FASO
CAMEROON
CAPE VERDE
CHAD
COMOROS
CONGO
D.R. OF CONGO
EGYPT
ETHIOPIA
GABON
GAMBİA
GHANA
GUINEA
GUINEA BISSAU
IVORY COAST
KENYA
MALI
MAURITANIA
MOROCCO
MOZAMBIQUE
NIJER
NIJERIA
RWANDA
SENEGAL
SIERRA LEONE
SOMALIA
SOUTH AFRICA
SUDAN
TANZANIA
TOGO
TUNUSIA
UGANDA
AFRICA
ALBANIA
KOSOVO
AUSTRIA
BELGIUM
BULGARIA
CROTIA
CZECH REPUBLIC
DENMARK
ESTONIA
FINLAND
FRANCE
GERMANY
GREECE
UNITED KINGDOM
HUNGARY
ICELAND
IRELAND
ITALY
LATVIA
LITHUANIA
LUXEMBOURG
MALTA
NETHERLANDS
POLAND
PORTUGAL
ROMANIA
SLOVAKIA
SLOVENIA
SPAIN
SWEDEN
SWITZERLAND
EUROPE
AFGHANISTAN
BANGLADESH
BAHRAIN
UNITED ARAB
EMIRATES
CHINA
INDONESIA
PHILIPPINES
PALESTINE
INDIA
HONG KONG
IRAQ
UNITED KINGDOM
QATAR
KUWAIT
LEBANON
MALAYSIA
NEPAL
PAKISTAN
SRI LANKA
SUDAN
JORDAN
VIETNAM
YEMEN
AUSTRALIA
ASIA
GEORGIA
UZBEKISTAN
KYRGYZSTAN
RUSSIA
MOLDOVA
TAJIKISTAN
KAZAKHSTAN
AZERBAIJAN
UKRAINE
BELARUS
MONGOLIA
RUSSIA&CIS
UPT‘S GLOBAL REACH
SUBSIDIARIES23
7.100
ŞOK SERVICE
POINT
TURKEY'S LARGEST PAYMENT INSTITUTION
N KOLAY
STORES
576
MONTHLY
CUSTOMER
TRAFFIC
4MİO
3,940
KIOSKS
Invoice Payment
Money Transfer
Credit Card Payment
Prepaid GSM Top-up
Match Tickets
N Kolay Loan Application
Subscription Transactions
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
UTILITY
PAYMENT
63,568,6 69,5 70
50
Transaction (Mln)
2015 2016 2017 2018 2019 Q3
2
6
9
11
9,3
EBITDA (TRY MLN)
2015 2016 2017 2018 2019 Q3
SUBSIDIARIES24
LEADING SYSTEM INTEGRATOR AND OPERATION COMPANY IN TURKEY
9MLN
SMART CARDS
1BILLION
TRANSACTIONS
PER YEAR
Besides Passolig and
N Kolay Ankara
Operations; E-Kent
develops and operates
Automated Fare
Collection Systems in
partnership with Ankara,
Bolu, Düzce, Maraş,
Kütahya Municipalities
as a solution partner.
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
ULAŞIM
SPORTS &
ENTERTAINMENTTRANSPORTATION
SUBSIDIARIES25
THE LARGEST LOCAL INSURANCE ANDREINSURANCE BROKER IN TURKEY
Operations in Turkey and
near by 15 countries
The largest local insurance and reinsurance broker
company operates with multiple distribution channels
TRY 145 Mln (3rd quarter) insurance premium volume,
1 million + retail and corporate customer portfolio
With its 30% market share, the largest broker in
solar insurance
43.6
91
160153 145
Premium(TRY Mln)
2015 2016 2017 2018 2019 Q3
Car Insurance
TravelInsurance
HomeInsurance
We entered more than 100 K houses in last year
through «Daskmatik» which is digital project
MONEY
TRANSFER
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
INSURANCE
SUBSIDIARIES26
PAVO SELLS 1 OF EVERY 4 SMART POS
Desktop CaswhRegister
143 K devices were sold in 2019 to
position our merchants as banking
service providers with smart VAS
software.
Exclusive partner
of
25%MARKET SHARE
IN TURKISH POS
DEVICES MARKET
EASIEST FASTEST LIGHTEST
2.5
9.53
16.815.10
Net Turnover(TRY Mln)
2016 2017 2018 2019 Q3
95
187224 227
POS Devices Sold(pcs-thousand)
2016 2017 2018 2019 Q3
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
POS
SUBSIDIARIES27
NEW GENERATION SOLUTIONS FOR SMEs
We expand to 3.2 K
stores by providing
VASs including utility
bill payment, electronic
game pin, GSM top-up and
money transfer. So, every
store in the chain becomes
a retail branch through
"shop-in-shop" concept.
81CITIES
3,224RETAIL STORES
Purchasing instead of RentingNew Generation Software Architecture
Windows-Based Flexible Integration
Structure
Real Time and
Two - Sided Communication
Managed by Web and Mobile
Campaign and Loyalty Card
Management
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
POS
28 AKTİF BANK
HIGHEND
ELECTRONIC SECURITY
SECOM
50%
AKTİF
BANK
50%
Shareholding Ratio Head Office
Location Istanbul,
Turkey Establishment
February 2019
(estimated)
OUR NEW JOINT VENTURE:
SECOMAKTIF
28 SUBSIDIARIES
Secom Aktif Yatırım A.Ş. will manage the operating
company to provide high-quality electronic security
service for residence, SMEs, large companies, and public
sector throughout Turkey.
Security services for residences and
enterprises
MONEY
TRANSFER
INSURANCE
BANKING &
FINANCE
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
ELECTRONIC
SECURITY
SUBSIDIARIES29
Earn without interest...
29
INVESTMENT OPPORTUNITIES WITH
MATURITIES FROM 1 DAY UP TO 12 YEARS
• Established by cooperation of Islamic Development Bank and Aktif Bank, partnership structure that combines the power of 53 countries
• Innovative solutions via Islamic mutual and pension funds, along with private and corporate discretionary portfolio management
• High-yield alternative investments such as Real Estate Funds and Private Equity Funds
• Long term solutions through pension fund management for investors with interest sensitivity
• Asset under Management: TRY 1 bln.
• 35K individual and institutional investors.
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
BANKING &
FINANCE
OTHER SUBSIDIARIES AND PARTNERSHIPS30
OTHER SUBSIDIARIESAND PARTNERSHIPS
OTHER SUBSIDIARIES AND PARTNERS31
PRODUCT IN THE FIELD OF
Leading company in Turkish real estate and construction industries
Turkey’s leading financial leasing company offering Islamic products
The first “Financial Leasing” company in Kazakhstan operating in accordance with
Islamic finance principles
The first Islamic financial leasing company to become operational in Russia
The first and only “Islamic investment company” on the island of Cyprus
OTHER SUBSIDIARIES IN OUR UNIQUE PLATFORM
OTHER SUBSIDIARIES AND PARTNERSHIPS32
Total number of points Aktif Bank offers its products & services: 7,472
BUILDING THE LARGEST BRANCH NETWORK
WITHOUT BUILDING NEW BRANCHESTotal number of branches of 3 major banks: 3,674
Head
Offices
=1,042 PTT Branches
=2,830Franchise offices
=290
4,162 Service Points
550USED CAR
DEALERS
FurnitureConsumer DurableGoods
GSM Terminals
HouseholdNG
installationAutomotive
3,310 Stores
Credit
Insurance
Bond
Money
Transfer
Largest service
network nationwide
Access to 70% of consumer durables
market thanks to strategic partnerships
Established with the partnership of
Aktif Bank and Sistem Global
Consultancy in 2018.
Focuses on consulting R&D and
technology based SMEs and start-
ups for their sustainable growth with
proper strategical business selections
and routesDeveloped the first ever Letter of Guarantee
and credit option as the pre-financing tool
for R&D projects: Argefinans
Main service fields;
• To consult the companies for their maximum benefitting from governmental incentives and supports,
• Business law and financial management consultancy,
• M&A,
• Intellectual property rights management and patent valuation,
NEW GENERATION CONSULTANCY COMPANY IN GROWTH STRATEGIES FOR SMES AND START-UPS
OTHER SUBSIDIARIES AND PARTNERS33
34
35 AKTİF BANK35
Beyond standard banking services, we offer tailor-made
investment products with our CMB licensed portfolio managers
We keep on our efficiency focused growth with 3.5 times higher
AUM volume compared to the sector.
We offer one-to-one investment consulting service with our
experts for our valuable customers.
4 Times
Growth
AUM
(TRY BLN)
2014* 2019 Q3
8
2.6
12 Times
Growth
# of
CUSTOMERS
2014* 2019 Q3
10K
891
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
PRIVATE
BANKING
*Private banking year based 35
AKTİF BANK36
Turkey’s First Gold Linked Sukuk Issuance
Turkey’s First Bank Bond Issuance
Turkey’s First Digital Bank
Bond Issuance
Turkey’s First ABS Issuance
Turkey’s First Project Financing
Sukuk İssuance
Turkey’s First Credit Linked
Note Issuance
TSPB Awards - The Most Creative Capital Market Project Award (N Kolay Bond)2018
Bonds & Loans Awards – Structured Finance Deal of the Year2018
2019Stevie Awards - Innovation of The Year (N Kolay Pay Platform)
The Banker - Deals Of The Year - Islamic Finance Deal of the Year in Europe
2018
Islamic Financial News - Sukuk Deal of the Year2017
Bonds & Loans Awards – Structured Finance Deal of the Year2017
Bonds & Loans Awards – Islamic Capital Markets Deal of the Year
2016
Trade Finance – Deals of the Year – The Most Innovative Deal of the Year
2015
The Banker – Deals of the Year - Islamic Finance Deal of the Year in Europe
2014
THE FIRSTS WE INTRODUCED THE SECTOR
GAINED GLOBAL AWARDS MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
PRIVATE
BANKING
PRIVATE BANKING36
CORPORATE AND CORRESPONDENT BANKING37
• TRY 3 Bln Loan for 19
Football Clubs
• Stadium Financing
• Passolig Synergie
• Ekolig Report
• Sports Financing
Certificate Programs
• USD 158 Mln Placement
• USD 38 Mln Non-Cash
Loans
• 40 Renewable Energy
Projects
• Long term project finance
which funds SEP, WPP, GPP
and HPP installations
• TRY 100 Mln Placement
• Agricultural Value Chain –
Cotton Financing
• Projects supported by
TUBITAK and BSTB
• Training and consultancy
services for farmers and
operators
• Correspondent relationship
with more than a thousand
banks,
• Foreign trade limit to 173
banks in 43 Africa countries,
• The first and only Turkish
bank to sign an agreement
with Afriexim.
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
CORPORATE
BANKING
DİĞER İŞTİRAKLER VE ORTAKLAR38
We achived great success:
• We expanded our international network considerably and number of
correspondent banking relationship that we have reached over 1,000 while the
volume of the trade transactions we intermediated reached over USD 500 mn.
• We are the first Turkish Bank who takes a strategic step to initiate robust
collaboration with African Export Import Bank (AfeximBank). In this regard, we
signed a Guarantee Agreement of USD 1 billion to enable us to facilitate
transactions coming from/going to Africa.
• For the time being, we have foreign trade limit in favor of more than 500 banks
around the world and we are ready to take risk of those banks. This enables us
to serve the needs of our customers as well as our correspondent banks.
In 2019, we targeted to expand our trade
finance facilities;
• We provided various range of services for our clients all
over the world via various instruments such as letter of
credit, letter of guarantee, acceptance documents and
cash against goods, while also financing these
transactions through post-financing and discounting.
• We visited more than 35 countries to understand each
market and offer tailor made solutions on country basis.
• We organized valuable events in Turkey to announce
our activities to exporters & importers and shared our
knowhow about the regions.
OUR TARGET :
ACTIVELY
SUPPORTING
THE FOREIGN
TRADE
38
AKTİF BANK39
1.479
2.553
3.520
5.104
6.262
7.560
9.538
11.106
13.517
16.165
2010 2012 2014 2016 2018 2019 Q3
13,8
%
14,9
%
13,5
%
10,8
%12%
9,6%
25%
20%
15%
10%
15%
0%
ROAE
8,8%
11,2%
15,6%
19,2%
2014 2015 2016 2017 2018
Aktif Bank Sector Average
CAGR
52,7%
Total Assets(TRY MLN)
AKTIF BANK
23,9%
10,8
%
2019 Q3
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
BANKING &
FINANCE
AKTİF BANK40
AKTIF BANK (SOLO)
Main Financial Assets* - TRY Mln2019 Q3 2018 2017 2016
Total Assets 16,165 13,517 11,106 9,538
Total Loans 7.801 7.214 6.909 5,888
Securities Issued 5.929 4,384 2,783 3,175
Shareholders' Equity 1.893 1,508 1,235 1,053
Operating Income 694 801 811 509
Net Commissions and Fees 58 88 165 97
Net Profit 305 263 178 111
Main Financial Ratios
Return on Average Equity (ROAE) 23.9% 19.2% 15.6% 11.2%
Return on Average Assets (ROAA) 2.7% 2.1% 1.7% 1.3%
Non-Performing Loans (NPLs %) 3,7% 3.7% 2.7% 1.7%
Aktif Bank in Figures
Headcount 697 660 656 675
* BRSA Standalone Figures
2019 Q3 Aktif Bank Peer Group Sector
Return on Average Equity (ROAE) 23.9% 10.6% 10.8%
Return on Average Assets (ROAA) 2.7% 1.1% 1.2%
Non-Performing Loans (NPLs%) 3.7% 8.7% 5.2%
Net Interest Income / Total Income 51.0% 65.7% 79.8%
Non-Interest Income/ Total Income 49.0% 34.3% 20.2%
NUMBER OF CUSTOMER PER EMPLOYEE
12K
Aktif Bank
200
Sector
58 times
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
BANKING &
FINANCE
41
8K
5
77121
178
368
0
50
100
150
200
250
300
350
400
2015 Q3 2016 Q3 2017 Q3 2018 Q3 2019 Q3
64% 60%
34%42%
35%
0
10
20
30
40
50
60
70
2015 Q3 2016 Q3 2017 Q3 2018 Q3 2019 Q3
106%
(*) Based on BRSA Solo Independent reports.
CONSOLIDATED PROFIT EVOLUTION
(MLN TRY)
COST & INCOME RATIO (*)
MONEY
TRANSFER
INSURANCE
ELECTRONIC
SECURITY
TRANSPORTATION
UTILITY
PAYMENT
BLOCKCHAİN POS
CARDS &
PAYMENT AKTİF BANK
ECOSYSTEM
BANKING &
FINANCE
Thank You
