CodeShift Competitors

Yapı Kredi has been sustainably strengthening its market positioning in the sector since its establishment in 1944 through a customer-centric approach and focus on innovation. Yapı Kredi is the 3rd largest private bank in Turkey with total assets worth TL 411 billion as of the end of 2019. Constantly seeking to increase its contribution to the financing of the Turkish economy with its customer-centric approach, Yapı Kredi enlarged the volume of its total cash and non-cash loans by 4% in 2019 to TL 319 billion. Thus, Yapı Kredi maintained its position in 2nd place among private banks in this respect. The Bank serves its customers with its 846 branches covering all regions of Turkey and 16,631 employees. Yapı Kredi delivers its products and services via its advanced Alternative Delivery Channels (ADCs) that comprise 4,330 ATMs, innovative internet banking, leading mobile banking, 3 call centers and approximately 709 thousand POS terminals. 94% of the Bank’s transactions went through non-branch channels as at year-end 2019. Yapı Kredi is a fully integrated financial services group supported by its domestic and international subsidiaries. Yapı Kredi serves its customers through retail banking (comprising of individual banking, Small and Medium Size Enterprises (SME) banking and card payment systems, private banking and wealth management), as well as corporate and commercial banking. The Bank’s operations are supported by domestic subsidiaries in asset management, brokerage, leasing and factoring as well as international banking subsidiaries in the Netherlands, Malta and Azerbaijan. Yapı Kredi has a strong shareholding structure which ensures sustainable and profitable growth. 40.95% of the Bank’s shares are owned by Koç Financial Services, 9.02% of the shares are owned by Koç Holding A.Ş. The total direct and indirect shares of Koç Group amount to 49.99%. 20.00% of Bank’s shares are owned by UniCredit S.P.A. The remaining 30.03% is publicly traded on Borsa Istanbul

Kapital Bank is one of the key drivers of Azerbaijan’s financial sector, with a strategy built on customer centricity and continuous innovation. Through the country’s most extensive branch and service network, the Bank provides accessible, modern and inclusive financial solutions to individuals and businesses across Baku and all regions. By placing the evolving needs of its clients at the center of its operations, Kapital Bank empowers individuals, entrepreneurs and businesses with technology-driven, efficient banking services. As an active financier of Azerbaijan’s economy, the Bank supports key industries such as energy, agriculture, transportation, communications, and construction, and serves as the State Agent-Bank for major government and social programs. The Bank’s Birbank mobile app, with over 3 million users, plays a transformative role in shaping digital banking behaviors in the country. In line with its innovation agenda, Kapital Bank is a founding pillar of Bir ecosystem, the first fully integrated digital ecosystem in the Caucasus region, delivering advanced digital financial solutions that enhance the customer experience beyond traditional banking. Internationally, Kapital Bank partners with leading global financial institutions such as Bank of New York Mellon, Intesa Sanpaolo, LBBW, Bayerische Landesbank, Commerzbank AG, Raiffeisen Bank International AG, CaixaBank, among others. The Bank also holds principal memberships with Mastercard International and VISA International, offering customers a comprehensive suite of modern payment services. Focused on financial inclusion, economic growth and digital transformation, Kapital Bank continues to shape the future of Azerbaijan’s banking sector.

Unibank is one of the largest private banks established in Azerbaijan in July 1992 under the name of MBank. It was established on 15 October 2002 as a result of the merger of the two advanced private commercial banks of Azerbaijan MBANK and PROMTEKHBANK. On October 15, 2002, after the merger of Mbank with PROMTEXBANK, one of the leading banks of Azerbaijan, the bank's name was changed to Unibank. We, being a customer-oriented bank, take into account the needs of our customers in different regions and offer products and services of a global nature that are simultaneously adapted to local markets. At the same time, we strictly adhere to high ethical standards and the principle of social responsibility. It is no accident today that Unibank enjoys a well-deserved reputation in the financial market.