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Established in 1944 as Turkey’s first retail focused private bank with a nationwide presence, Yapı Kredi has played a significant role in Turkey’s development, setting standards in the sector through its innovative approach, commitment to social responsibility and investment in culture and arts.

Following the merger in 2006, Yapı Kredi’s successful execution of a customer oriented strategy delivered consistently strong results.

2017: Focus on Efficiency and Profitability

  • Improvement in asset quality
  • Focus on value-added fields and products
  • Continuation to support Turkish economy
  • Efficiency improvement with ongoing cost management
  • Sustainable solid

2016: Harvesting Phase

  • Maintaining solid market share in loans and deposits
  • Continuation of support to Turkish economy
  • Focus on efficiency and value creation
  • Focus on digital banking

2015: Continuation of Growth Oriented Investment Strategy

  • Ongoing network expansion and strong focus on digital
  • Focus on rapid and healthy customer acquisition
  • Balanced growth in both loans and deposits
  • Strong revenue generation via effective remix

2014: Growth Oriented Investment Strategy

  • Balanced growth in both loans and deposits with strong market share gains
  • Network expansion (headcount, branch, ATM)
  • Focus on innovation and customer acquisition
  • Continuated focus on solid capital base and maintaining healthy liquidity profile

2013: Continuation of Smart Growth

  • Continuation of branch expansion
  • Strengthening of capital base
  • Effective liquidity management via balanced growth in loans and deposits
  • Sustainable revenue generation via growth in value generating segments

2012: “Smart Growth”

  • Continuation of branch expansion
  • Growth in value generating segments and products
  • Focus on core banking and disciplined cost control
  • Diversification of funding base

2011: “Smart Growth”

  • Continuation of branch expansion
  • Growth in value generating segments and products
  • Sustainable revenue generation and tight cost control
  • Diversification of funding base

2010: Back to Strong Growth

  • Re-launch of branch expansion
  • Focus on innovation and customer acquisition
  • Above sector growth and tight cost discipline
  • Simplification of processes and improvement in efficiency

2009: Global Crisis

  • Temporary suspension of branch expansion
  • Continuous support for customers
  • Tight cost management and efficiency efforts
  • Proactive credit risk management

2008: Re-launch of Growth

  • Acceleration of branch expansion
  • Innovation in product, service and delivery channels
  • Tight cost discipline and emphasis on decreasing cost to serve
  • Strengthening of capital base via capital increase

2007: Restructuring

  • Launch of branch expansion
  • Completion of segment-based service model
  • Streamlining governance by bringing subsidiaries under the Bank
  • Efficiency initiatives in systems and processes

2006: Merger and Integration

  • Legal merger of Yapı Kredi and Koçbank
  • Merger of the two banks’ core subsidiaries operating in the same sectors
  • Restructuring of the capital base
  • Integration of information technology systems

Largest in the history of the Turkish banking sector, Yapı Kredi merger dates back to exclusive negotiations between Koç Financial Services (KFS – the 50%/50% joint venture between Unicredit and Koç Group) and the Çukurova Group (previous shareholder of Yapı Kredi Bankasi A.S.). Negotiations started in January 2005 and led to a share purchase agreement that was signed in May 2005 for the acquisition of 57.4% stake in Yapi ve Kredi Bankasi A.S. (held by the Çukurova Group and Saving Deposit Insurance Fund).

The closing took place as a result of the transfer of Yapi ve Kredi Bankasi A.S. shares to Koçbank on 28th September 2005. In April 2006, KFS increased its shareholding in Yapi ve Kredi Bankasi A.S. to 67.3% through the acquisition of an additional 9.9% Yapi ve Kredi Bankasi A.S. shares by Koçbank. Shareholders of both Koçbank and Yapi ve Kredi Bankasi A.S. approved the merger of the two banks on 21 September 2006 through their Extraordinary General Assemblies. Finally, on 2 October 2006, the legal merger process was completed. Koçbank was dissolved, and all its rights, receivables, obligations and liabilities were transferred to Yapı Kredi. The new combined legal entity retained the Yapı Kredi name.

Following the merger in October 2006, 80.2% of Yapı Kredi was owned by KFS while minorities’ stake in the Bank was 19.8%. As the share exchange between KFS and Yapı Kredi was completed in October 2007 for the transfer of the shares owned by KFS in YK Leasing, YK Factoring and YK Azerbaijan to Yapı Kredi, the ownership of KFS in Yapı Kredi increased to 81.8% while the minorities’ share changed to 18.2%.

Successfully completed its merger with Koçbank in October 2006, the largest merger in the Turkish banking sector, creating a unique retail franchise

Social responsibility

Formed the Yapı Kredi Volunteers Platform and undertook many projects in the field of education:

  • Established the Yapı Kredi Girls Technical and Vocational High School
  • Opened the Yapı Kredi Banking Academy
  • Started the I Read, I Play Project
  • Took part in Koç Group’s Vocational Education, A Crucial Matter for the Nation Project


Yapı Kredi Publications set a record in its sector by publishing its 3,000th book, brought Bellini’s Fatih Sultan Mehmet portrait to Istanbul after 500 years and participated in Art Days started by UniCredit Group


Initiated the first telephone banking service and introduced an advanced credit card infrastructure with loyalty point awards and installments

Social responsibility

Sponsored Nasuh Mahruki, the first Turkish mountaineer to successfully climb Everest and later the worlds’ highest seven points and launched a theatre contest named after famous Turkish theatre player Afife Jale


Established Yapı Kredi Cultural Activities, Arts and Publishing to spread culture and arts to a wider audience, organised the first singing competition named after world famous Turkish opera singer Leyla Gencer and supported the Çatalhöyük excavations thereby helping to uncover its 9,000 year history


Introduced individual loans, credit cards, debit cards, ATMs, online banking systems and laid the foundations for today’s corporate banking

Social responsibility

Sponsored the Second Environment and Childrens Week in cooperation with the Wildlife Conservation Society and organised various related events


Produced a record and later a CD recording of pieces by Münir Nurettin Selçuk, one of the most revered Turkish classical musicians, thereby winning the Ministry of Culture award and brought the Bolshoi Ballet to Turkey as part of its anniversary celebrations


Led the way in the development of financial and international subsidiaries and became the first bank to be authorised to hold a foreign currency position in Turkey

Social responsibility

Led the way in the development of financial and international subsidiaries and became the first bank to be authorised to hold a foreign currency position in Turkey


Presented art lovers with a rich collection of 80,000 rare books, manuscripts and periodicals by opening the Yapı Kredi library and was chosen as the best in its category among libraries in Turkey


Introduced computerisation to the Turkish banking sector and played a pioneering role in developing long-term project finance lending

Social responsibility

Sponsored Doğan Kardeş children’s novel competition as part of its 20th year celebrations and organised various Turkish folk songwriting contests


Became the first Turkish bank to have an art gallery by establishing the Kazım Taşkent Art Gallery, hosted landmark exhibitions about Turkish folklore and introduced many works of art from the Topkapı Palace archives to the public for the first time

Yapı Kredi gained a strong position as Turkey’s first retail focused private bank with a nationwide presence, distinguishing itself through its customer friendly approach and limitless service understanding

Social responsibility

Sponsored the first primary school essay contest in cooperation with the Ministry of Education and contributed to development of private theatre in Turkey through sponsorship of children’s theatre


Launched Doğan Kardeş, Turkey’s longest running children’s magazine, sponsored Turkey’s first fully colour film, organised the first painting competition with an international jury and formed a dedicated culture-arts department within the Bank