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Born in 1959, ATEŞ completed his undergraduate studies at the Faculty of Economics and Administrative Sciences of the Middle East Technical University, after completing his education at TED Ankara College. ATEŞ started his career as an Inspector of the Inspection Board at İşbank in 1981, and he worked in various units of Interbank between 1986 and 1993. Then he worked as a Branch Manager at Elmadağ, Şişli, Bakırköy, İzmir and Central Branches. He established Interbank's Cash Management System and was appointed as Deputy General Manager Responsible for Central Operations in 1993. Between 1994-1996, he worked at Bank Ekspres as the Deputy General Manager Responsible for Financial Affairs and Operations and led the restructuring project of Bank Ekspres under the consultancy of Bank of America. He founded GarantiBank Moscow in Russia and served as the General Manager for one year as of June 1996. He is still working as the Founding General Manager of DenizBank since he started this job in June 1997.
DenizBank shares were sold in the initial public offering in October 2004 and the demand was 5.5 times the supply. In addition, DenizBank shares owned by Zorlu Holding were sold to Dexia S.A. in May 2006 under the management of Mr. ATEŞ. The value of the shares was $3,250 billion, and the sale was made with a multiplier value of 4,7, the highest rate in Turkey. 6 years later in June 2012, ATEŞ managed the sales process of 99.85% of DenizBank shares owned by Dexia Group to Sberbank with a multiplier value of 1.33 and a price of $3.6 billion. In July 2019, he managed the sales of shares to Emirates NBD with a multiplier value close to 1 and a price of ₺15.48 billion, despite the challenging market conditions. In May 2011, Deniz Emeklilik was transferred in exchange for €256 Million, 10 times its book value, with a 15-year sales agreement, under the management of Mr. ATEŞ. In 2013, the takeover of Citibank Turkey's Personal Banking Division with about 1,500 employees was also realized under the management of Ateş.
Hakan ATEŞ, serving as the Chairman of the Board of DenizBank subsidiaries Deniz Yatırım Menkul Kıymetler A.Ş., Intertech A.Ş., DenizBank Moscow and DenizBank AG, has been a Board Member at Emirates NBD Egypt as of September 2020. He received the Award for Those Adding Value to Turkey (Türkiye’ye Değer Katanlar Ödülü) from Bahcesehir University in 2015, and is father of two children.
Born in 1969, ÇALIKLI received her bachelor’s degree from Middle East Technical University, Department of Statistics in 1992 and completed her MBA studies at Koç University in 2000. Starting her career in 1992 as Partner at Retsam Ltd. Şti., ÇALIKLI later served as Auditor at Dışbank between the years of 1995 and 1997, Corporate Credits Analyst and Market Risk Manager at Citibank A.Ş. between the years of 1997 and 2002. Continuing her works in retail credits from 2002 to 2009, ÇALIKLI then assumed the duty of Consumer Credits Country Head at Citibank A.Ş. She served as Head of Risk Management Centre at TFKB from 2009 to 2014, Head of Corporate Credits at First Abu Dhabi Bank from 2014 to 2018, Chief Credit Officer at Commercial Bank of Dubai from 2018 to 2021 before she assumed the role of Senior Risk Advisor at Emirates NBD in 2021. ÇALIKLI has been nominated as Denizbank Board Member as of January 2022.
Born in 1964, KUMRU completed his undergraduate studies at Ankara University Faculty of Political Sciences, and his master's and doctorate degrees in Istanbul University Institute of Social Sciences. He was appointed to various positions at Esbank T.A.Ş between 1987 and 1999, and he became the Assistant General Manager in 1998. KUMRU joined the DenizBank Financial Services Group in 1999. After serving as Assistant General Manager responsible for the Corporate Marketing Group of DenizBank A.Ş. and General Manager of Deniz Leasing and Deniz Factoring, he served as the General Manager of DenizBank Moscow in 2004. Between 2009 and 2011, he was the Assistant General Manager of DenizBank A.Ş. Corporate and Commercial Banking, Public Project Finance, and Foreign Subsidiaries Group, and as Executive Vice President in DenizBank A.Ş. Wholesale Banking Group. Derya KUMRU has been a Member of the Board of Directors of DenizBank A.Ş. since December 2012.
Born in 1964, Mr. KAYA graduated from Gazi University, Faculty of Economics and Administrative Sciences, Department of Public Administration in 1985. Starting his banking career at Pamukbank in 1986, he held several positions at TEB, Marmara Bank and Alternatif Bank, respectively. He worked as Branch Manager at Bank Ekspres between the years of 1994 and 1997. Joining DenizBank A.Ş. in 1997 as Ankara Branch Manager, he then served as the Central Anatolia Regional Manager in 2002 and 2003, and later as the Executive Vice President in charge of Administrative Services Group from 2003 to 2016 at the bank. Having served as the Executive Vice President in charge of Administrative Services and Investment Group at DenizBank A.Ş. and Chairman of the Executive Board of DFSG Investment Group between June 2016 and 2020, KAYA has continued his duty as the Board Member in charge of Administrative Services and Investment Group from June 2020 to July 2021. As of July 2021, he has been serving as the Board Member in charge of Administrative Services Group.
Born in 1960, DİZDAR graduated from Istanbul University Faculty of Law in 1982 and completed his Master's Degree in Private Law in 1985. Ali Murat DİZDAR, who started his career as an Assistant at the Faculty of Law at Istanbul University in 1982, was Legal Counsel at Altheimer & Gray Firm between 1990 and 1998, Legal Department Manager at United Turkish Gulf Bank (Birleşik Türk Körfez Bankası) between 1998 and 2001. He served as Legal Consultancy Department Manager at Ottoman Bank in 2001, and Legal Counsel and Head of the Risk Management Committee at Taib Investment Bank (Yatırımbank) in 2002. Between 2002 and 2003, He worked as Legal Corporate Department Manager in the DenizBank A.Ş. Legal Department, Legal Group Manager in the Legal Department between 2003 and 2010. Since 2010, he has been working as Chief Legal Counsel at DenizBank A.Ş.
Born in 1969, HIÇKIRAN completed her undergraduate studies in the field of English Language and Literature at Ege University Faculty of Arts in 1992. Ayşenur HIÇKIRAN started her career in 1996 as Sales Manager at Citibank. Then she became Bursa Regional Manager, Aegean Regional Manager, Marmara Regional Manager, Turkey Head of Sales Channels Group, Head of Consumer Loans and Sales Channels Group, and Executive Vice President responsible for Payment Systems, Consumer Loans, Sales and Alternative Distribution Channels between 1996 and 2013, respectively. Most recently, she served as the Executive Vice President responsible for Personal Banking. Since July 2013, she has been working as the Payment Systems and Non-Branch Channels Group Executive Vice President at DenizBank A.Ş.
BÖCÜGÖZ, born in 1967, completed his undergraduate studies at Boğaziçi University, Faculty of Economics and Administrative Sciences in the field of Business Administration in 1989. He started his career as an Assistant Specialist at Garanti Bank in 1989. Bora BÖCÜGÖZ then served as Assistant Manager of Capital Markets Department at Esbank between 1990 and 1994, Assistant Manager of the Bank Ekspres Securities Department in 1994, Securities Department Manager at Toprakbank between 1994 and 1997, Treasury Coordinator and Fund, Resource Management and Marketing Department Executive Vice President at Kentbank between 1997 and 2002. Between 2002 and 2007, he worked as Executive Vice President in the Fund Management Group at DenizBank A.Ş. Since 2007, he has been working as the Executive Vice President of the Treasury, Financial Institutions, Private Banking Group at DenizBank A.Ş.
Born in 1968, Mehmet AYDOĞDU graduated from Dokuz Eylül University, Faculty of Economics and Administrative Sciences in 1993. AYDOĞDU started his career in 1995 at Ceylan Holding and assumed various roles throughout the years at Bank Kapital, Demirbank A.Ş. and Bayındırbank, respectively, before he joined DenizBank in 2002. At DenizBank, he served as Beşyüzevler Branch Manager between the years of 2003 and 2005, Çağlayan Commercial Centre Branch Manager in 2005, Maslak Commercial Centre Branch Manager between the years of 2005 and 2009 and Commercial Banking Senior Vice President from 2019 to 2010. AYDOĞDU was nominated as Executive Vice President in charge of Commercial Banking and Public Finance in 2011, which he held until 2015. Assuming the role of Executive Vice President in charge of Corporate and Commercial Banking Group in 2015, AYDOĞDU was promoted as Executive Vice President in charge of Wholesale Banking Group in July 2021, with functions comprising of Corporate and Commercial Banking, Public Finance, SME and Agricultural Banking. AYDOĞDU also continues to serve as a member of the Management Board, along with his current responsibilities.
Born in 1975, ABİL completed his undergraduate education in the field of International Relations at the Faculty of Economics and Administrative Sciences of Middle East Technical University in 1996. Starting his career in 1997 at Başaran Nas Yeminli Mali Müşavirlik A.Ş. (Sworn Financial Consultancy Inc.), Ruslan ABİL worked as Director at Price Waterhouse Coopers USA between 2010 and 2012, as Technical Projects and Group Reporting Director at Union Bank of California between 2012 and 2013, and as the Financial Affairs Group Manager at DenizBank A.Ş. between 2013 and 2014. Since February 2014, he has worked as Group Reporting and Asset-Liability Management Group Executive Vice President at DenizBank A.Ş. ABIL has been appointed to the Financial Affairs Group Executive Vice President and Executive Committee Member as of April 2017.
Born in 1972, Ali Rıza AYDIN graduated from Hacettepe University, Computer Sciences Engineering in 1994. He started his career the same year in the Prime Ministry of the Turkish Republic and participated in the technological transformation of the institution. He joined the centralization of banking systems in Ziraat Bankası in 2004. He managed all financial systems as the Banking Center Systems Manager. He took place in the Vakıflar Bankası Technological Transformation Project in 2010 as the Head of System Management and was involved in the mainframe based systems consolidation and technological transformation projects of the bank. Joining Denizbank in 2012 as the Assistant General Manager of Intertech Infrastructure and Systems Management, AYDIN worked on banking system optimization, increasing performance needs and security of information technology infrastructures. Entirely focusing on information security and information risk management in 2018, AYDIN worked as Assistant General Manager of Intertech Information Security and IT Risk Management and as Senior Vice President of DenizBank Information Security and Information Technologies respectively. AYDIN worked on information security, secure banking and fraud prevention, information risk management, data protection and business continuity structure management and undertook roles of CISO and DPO within DenizBank Financial Services Group. In 2020, he completed an Executive MBA Program in Sabancı University and he has been working as an Executive Vice President in charge of Information Security and Information Technologies since August 2021.
Born in 1970, KOÇAK completed his undergraduate education in Econometrics at Dokuz Eylül University Faculty of Economics and Administrative Sciences in 1993. Burak KOÇAK, who started his career as Assistant Specialist in the Commercial Banking Department at Toprakbank in 1996, worked in Branch Commercial and Corporate Banking Sales positions at Bank Ekspres, Türk Ekonomi Bankası, Körfezbank, and Garanti Bank, respectively, and then served as the General Manager, SME Marketing and Branch Manager at Akbank. Burak KOÇAK worked as Branch Performance Management Group Manager at DenizBank A.Ş. between 2006 and 2009, and Istanbul Anatolia-2 Regional Manager between 2009 and 2014. Between 2014 and 2016, he served as the SME Banking Group Executive Vice President at DenizBank A.Ş. Since February 2016, he has been working as the Agricultural Banking Group Executive Vice President at DenizBank A.Ş.
Born in 1968, DEMİRAĞ completed his undergraduate studies in the Middle East Technical University Faculty of Economic and Administrative Sciences in the field of Public Administration. Cem DEMİRAĞ, who started his career as a Director at Garanti Bank in 1991, worked as a Branch Manager at EGS Bank between 1995 and 2002, Branch Manager at DenizBank A.Ş. between 2002 and 2003, and as an Executive Vice President responsible for Commercial SME Banking at Halkbank in 2003. He served as the Chief Advisor at the Banking Supervision and Regulation Agency and a member of the Board of Directors at the Vakıflar Bankası and the Industrial Development Bank of Turkey between 2004 and 2005. Between 2009 and 2010, he served as the Advisor to the Banking Supervision and Regulation Agency, and as the DenizBank A.Ş. Internal Control Unit and Compliance Head at the Internal Control Unit and Compliance Department. Since August 2012, he continues his role as a Member of the Board of Directors of DenizBank A.Ş. and he was appointed as Head of Internal Control Unit and Compliance in November 2012. Since 2013, he has been working as the Executive Vice President of the Internal Control Unit and Compliance Department at DenizBank A.Ş.
Born in 1971, ÖNENÇ completed his undergraduate studies in Mechanical Engineering at Yıldız Technical University in 1995, an MBA in finance from New York Pace University, Lubin School of Business in 1997, and a Master's degree in Banking from Marmara University in 2001. He completed his Ph.D. in Banking at Marmara University in 2011.
Starting his career in 1997 at DenizBank A.Ş. as a Specialist Dealer in the Treasury Department, Cem ÖNENÇ was appointed as the Central Anatolia Regional Directorate Treasury Sales, DenizBank AG Vienna Private Banking Department Manager, DenizBank A.Ş. Private Banking Department Manager, Private Banking Group Manager, and as of February 2014, Private Banking and Investment Group Assistant General Manager. In addition to this role, he has also become the Deniz Yatırım A.Ş. Executive Board Managing Member in 2016. He continues his role as General Manager of Deniz Portföy, a subsidiary of DenizBank, since February 2022.
BAŞER, born in 1967, completed his undergraduate studies in the field of Electrical and Electronics Engineering in the Faculty of Engineering of Middle East Technical University in 1988. Edip Kürşad BAŞER, who started his career in the field of Research at Bilkent University in 1989, worked at InterBank between 1990 and 1997, as Special Projects Manager in Nergis Holding between 1997 and 1999, as Assistant General Manager in Doğuş Hizmet Yön. A.Ş. between 2000 and 2001. He served as Executive Vice President in Yassı Metal Sanayi A.Ş. between 2001 and 2003, as Cash Management Department Head at DenizBank A.Ş. in 2004, as Cash Management Group Manager between 2004 and 2007, as Corporate Banking Group Manager between 2007 and 2008, as Corporate Banking-Sales Group Manager between 2008 and 2009, as Credit Policies and Risk Monitoring Group Manager between 2009 and 2012, and as Credit Methodology Group Manager between 2012 and 2014. He continues to work as Executive Vice President in charge of Corporate Credit Policies at DenizBank A.Ş. since November 2014.
Born in 1973, he received his degree in Economics from Uludağ University, Faculty of Economics and Administrative Sciences in 1996. Starting his banking career in Şekerbank in 1998, Eskiduman worked in the Internal Audit Unit in Etibank and Turkish Economy Bank, respectively. Next, he joined DenizBank family as an inspector in the Internal Audit Unit in 2002. Eskiduman assumed the roles of SME Banking Çukurova and Central Anatolia Regional Sales Manager, Internal Audit Unit Senior Vice President, Retail Banking Performance Management and Business Development Senior Vice President and lastly Çukurova Regional Manager, respectively. From October 2021 onwards, he has been serving as SME Banking and Public Financing Group Executive Vice President.
Born in 1980, Çam received his undergraduate degree in Business Administration Department from İstanbul Technical University and graduate degree in Strategic Marketing and Brand Management from Bahçeşehir University. He started his banking career in Fortis Bank in 2002 as Corporate Marketing Executive Assistant to join DenizBank family as System Analysis projects – CM Business Analyist in 2004. Next, he served as Intertech A.Ş. Information Technologu Loans project, Intertech A.Ş. Retail Banking Projects Department Head, Digital Banking Projects Department Head, Digital Payment Systems Cloud Banking- Mobile Platforms Management Senior Vice President, Fintech Banking, Innovation and Digital Marketing Senior Vice President and finally Digital Banking Senior Vice President, respectively. Since July 2021, he has been working as the General Manager of NEOHUB A.Ş. which is a subsidiary of Intertech A.Ş.
Born in 1963, Tunçbilek received his undergraduate degree in Industrial Engineering Department from Boğaziçi University and graduate degree and doctorate in Industry and System Engineering from Virginia Tech University. Having started his banking career in 1995 in Citibank, Tunçbilek assumed various positions after which he worked as the Credit Cards and Loans Senior Vice President. In 2013, he joined the DenizBank family as the Credit Cards Portfolio Management Senior Vice President, assuming the position of Debit and Credit Cards Management Senior Vice President. Since July 2021, Tunçbilek has been working as the payment Systems Group Executive Vice President.
Cansever, born in 1974, received his undergraduate degree in Mechanical Engineering from Istanbul Technical University in 1998 and his master's degree in Banking and Finance from Yeditepe University in 2003. Starting his banking career with the Management Trainee Programme at DenizBank in 1998, Hayri CANSEVER worked as Specialist in Zorlu Holding Financing Department between 1998 and 1999, and as Specialist, Officer, and Director in Corporate Banking Department of Karaköy Branch between 1999 and 2004. He worked as Head of Corporate Banking Department at DenizBank Moscow between 2004 and 2007, Executive Vice President of Corporate Banking between 2007 and 2008. He was appointed as Branch Manager of DenizBank A.Ş. Bayrampaşa Commercial Branch between 2008 and 2010, DenizBank A.Ş. Corporate Banking Group Manager between 2010 and 2011. Mr. Cansever worked as General Manager of DenizBank Moscow between 2011 and 2012, Assistant General Manager of Corporate Banking and Cash Management at Denizbank A.Ş. between 2013 and 2015. Between 2015 and 2016, he worked as General Manager of Destek Varlık Yönetim A.Ş. In January 2017, he was appointed as the Secretary-General at DenizBank A.Ş. and the Executive Vice President of the Sberbank Coordination Group. In July 2019, he started to serve under the title Executive Vice President to the General Secretariat and Foreign Subsidiaries Group. Finally, he has been serving as the DenizBank AG Deputy CEO as of June 2022.
Born in 1971, AKOSMAN completed his undergraduate studies in Business Administration at Marmara University Faculty of Economics and Administrative Sciences in 1994 and received his master's degree in Business Administration at Loyola University Faculty of Economics and Administrative Sciences in 1997. He started his career as a Finance Analyst in Aktuğ Plastik INC. in 1991 and worked in REFCO LaSalle Group, Torunlar Gıda Sanayi ve Ticaret A.Ş., respectively. Melih AKOSMAN, who served as Executive Vice President of Deniz Derivatives Company between 2004 and 2008 and as Executive Vice President of Deniz Yatırım Derivatives Activities between 2008 and 2010, has been working as Executive Committee Member at Deniz Yatırım A.Ş. since 2010.
Mr Kishore BHATT graduated from Garhwal University in India with a Undergrad's degree in Science and earned a Master's Degree in History in 1988. He started his career as a Management Associate at the State Bank of India, Corporate Banking Department in 1988 and then worked for IDBI Bank as Wholesale Banking Vice President from 2000 to 2006. Mr Bhatt joined Emirates NBD UAE Risk Group in 2006, responsible for managing the Wholesale and FI portfolio with a focus on facilitating credit underwriting for growth in line with Bank's credit strategy. Kishore is now the Credit Allocation Group EVP and Chief Credit Officer for DenizBank.
An experienced senior banker with extensive exposure in leading banks in proactive credit risk management, especially in areas of Wholesale Banking, Financial Institutions and Treasury, Mr. Bhatt has more than 25 years of experience in diverse environments.
ÇİTİL, born in 1966, completed his undergraduate education at Istanbul Technical University in the field of Architecture in 1987, and his Master's degree in Business Administration at Istanbul University Faculty of Economics and Administrative Sciences in 1988. He started his career in 1988 in the Construction Department of Interbank. Between 1997 and 2013, Mehmet ÇİTİL worked as the Construction and Real Estate Group Manager at DenizBank A.Ş. He has been working as the General Manager of Deniz Real Estate Investment Trust since January 2014.
Born in 1972, Murat Kulaksız received his degree in Business Administration from Çukurova University, Faculty of Economic and Administrative Sciences,. He started his career the same year in the Import Department at Toprak Holding. Next, he worked as an inspector in Toprakbank and BayındırBank, respectively. In 2003-2004, he worked as the Associate Customer Representative in Çağlayan Branch of DenizBank and as the Corporate Marketing Vice President in Ayazağa Branch in 2004, as Corporate Banking Vice President in the same branch in 2004-2005, Commercial Banking Vice president in 2005, Commercial Banking Vice President in Maslak Commercial Center and Istanbul Public Financing Branch from 2005 to 2007 to assume the role of Branch Manager in 2007 in the same branch. He worked as Ayazağa Branch manager from 2007 to 2009; next, he worked as the Branch Manager in Maslak Commercial Center and Istanbul Public Financing Branch from 2009 to 2011 and Corporate Banking Branch Manager from 2011 to 2012. Assuming the Europe-2 Regional Manager from 2012 to 2016, Kulaksız was appointed as DenizBank SME Banking Group Executive Vice President in February 2016; he then assumed the role of Executive Vice President in charge of SME Banking and Public Financing Group in May 2019. From October 2021 onwards, he has been serving as DenizFaktoring A.Ş. General Manager.
Born in 1966, ÖZEL completed his undergraduate education at Hacettepe University Faculty of Economics and Administrative Sciences in the field of Public Administration in 1988. Starting his career at Türk Ticaret Bankası Galata Branch, Credits Service in 1988, Mustafa ÖZEL worked as Central Operations Specialist at Interbank between 1993 and 1997, Director of Internal Control Department at DışBank in 1997. Between 1997 and 1998, he served as Director of Internal Control Center at Denizbank A.Ş., as Group Manager of Internal Control Unit at Denizbank A.Ş. in 1998, as Head of Inspection Board-Group Manager between 1999 and 2001, and as Head of Internal Control Unit between 2002 and 2007. He has been serving as the Head of Internal Control Unit and Compliance between 2008 and 2010, and as the Executive Vice President of Branch and Central Operations Group at DenizBank A.Ş.
Born in 1971, ELKİN completed his undergraduate education in Business Administration in English at Marmara University Faculty of Economics, Administrative and Social Sciences in 1993. Yavuz ELKİN, who started his career as an Assistant Inspector at Yapı Kredi Bank in 1993, was the Customer Management Department Manager at the Corporate Marketing Department between 1998 and 2000, Commercial Marketing Director at Dışbank between 2000 and 2004. He then worked as Commercial Banking Group Manager at DenizBank A.Ş. between 2004 and 2007, Training Group Manager at DenizBank A.Ş. between 2007 and 2008, and Human Resources and Deniz Academy Group Manager at DenizBank A.Ş. Since February 2014, he has been working as the Executive Vice President of the Human Resources and Deniz Academy Group at DenizBank A.Ş.
Born in 1975, YALÇIN completed his undergraduate education in Political Science and International Relations at Boğaziçi University Faculty of Economics and Administrative Sciences in 1998. Yalçın started his banking career as a Corporate Banking Marketing Specialist at Bank Ekspres Elmadağ Branch in 1998 after completing his Management Trainee education. He served as Corporate Banking Marketing Executive at DenizBank Maslak Branch between 2002 and 2004, and at Istanbul Corporate Branch between 2004 and 2005. In 2005, he started to work at DenizBank Moscow as Corporate Banking Marketing Assistant Manager, and between 2007 and 2013, he worked as Corporate Banking Department Manager at DenizBank Moscow. Since January 2013, he has been working as the General Manager of the Company in JSC DenizBank Moscow.
Born in 1976, ÖZARK completed his undergraduate studies in Mathematical Engineering at Istanbul Technical University in 1997. Oğuzhan ÖZARK started his career as Junior Associate in the Personal Banking Department at Garanti Bank in 1997 and later worked in the SME Banking Group. Joining DenizBank A.Ş. in 2004 as SME Banking Business Development Department Head, ÖZARK served as Capital Market Instruments Sales, Performance and Business Development Department Head, SME Banking Marketing Small Businesses Senior Vice President, SME Banking Marketing Senior Vice President, Personal Banking Sales Management Senior Vice President, and Mass Banking Sales Management Senior Vice President, respectively. In February 2014, he was nominated as the Executive Vice President in charge of Retail Banking Group at DenizBank A.Ş. As of February 2022, he has continued his duty as Executive Vice President in charge of Personal and Private Banking Group.
Born in 1982, AKSU completed his bachelor’s degree at Bilkent University in the department of Economics in 2003 and his master’s degree in Istanbul Bilgi University in the department of Economic and Finance in 2008. Starting his career in DenizBank in 2003 as a Management Trainee, Aksu assumed various roles in the treasury group and was appointed as Fixed Income Securities Department Head in 2010. Working as Treasury Manager at Royal Bank of Scotland between 2010-2015, Aksu assumed the role of Fixed Income Securities and Money Markets SVP in 2015. Aksu has been working as Executive Vice President in charge of Treasury since December 2021.
UYAR, born in 1977, completed his undergraduate education in the field of Control and Computer Engineering at Istanbul Technical University in 2000. Ömer UYAR, starting his career as a System Engineer at Istanbul Technical University in 1996, worked at DenizBank A.Ş. in Information Technology, Internal Control Technology and Security, Basic Banking Operations and R&D Departments between 2000 and 2008. He worked as the Executive Vice President of Intertech between 2009 and 2012, and he has been working as CEO at Intertech since March 2012.
Born in 1977, Ramazan IŞIK completed his BS in Economics at Middle East Technical University and took his MBA degree at Yeditepe University in the field of Banking and Finance. Mr. IŞIK, who has an extensive experience in internal audit and fraud examinations, has started his career in 1999 at Yapı Kredi Bank Internal Audit Department and worked there 7 years. Between 2006 – 2013, he served as Chief Audit Executive at Credit Europe Bank, operating in Russia.
Since the beginning of 2013, Mr. IŞIK works as Chief Audit Executive of DenizBank Financial Services Group and is responsible for internal audit and investigation activities at the main Bank and at all internal and overseas subsidiaries. He holds CIA, CRMA, CFE and CRISC international professional designations and served as Audit Commitee Member at Institute of Internal Auditors Turkey between 2018-2021. Mr. IŞIK speaks English and Russian.
Born in 1970, ORMAN received his undergraduate degree from Marmara University, Faculty of Law in 1997, and his postgraduate degree in Private Law from the Social Sciences Institute of the same university in 2003. Starting his career at Esbank T.A.Ş. as Junior Auditor in 1997, ORMAN worked as Auditor at the same bank and later worked at SDIF Collections Department in 2002. Joining DenizBank family as Auditor in the same year, ORMAN served as Auditor, Department Head and Internal Audit Senior Vice President at the Internal Audit Department, and assumed the function of Legal Group – Litigations and Proceedings Senior Vice President in 2011. ORMAN has continued his duty as Executive Vice President in charge of Secretariat General and Litigations Group since August 2022.
TEOMAN, born in 1970, completed his undergraduate education in the field of Economics at Hacettepe University Faculty of Economics and Administrative Sciences in 1993. Beginning his career in 1994 as an Assistant Inspector at Turkey's İşbank, TEOMAN worked as a Credits Officer at InterBank A.Ş. between 1997-1998. He worked as Loan Allocation Director between 1998 and 2002, Marketing Department Manager at Ziraat Bank between 2002 and 2003, and Corporate Loans Director at DenizBank A.Ş. in 2003. He also worked as Loans Department Manager between 2003 and 2004, Corporate Loans Department Manager between 2004 and 2006, Commitment Allocation Group Manager between 2006 and 2011, and Corporate Loans Group Manager between 2011 and 2013. Since January 2013, he continues to work as Corporate and Commercial Credits Group Executive Vice President at DenizBank A.Ş.
Born in 1973, BORAN received his undergraduate degree in Geological Engineering from Hacettepe University, Faculty of Engineering in 1997, and his MBA from Yeditepe University, Institute of Social Sciences in 2009. Starting his career as Associate- Customer Representative in 1998 at DenizBank, BORAN worked as Portfolio Manager at A Bank in 2000, and then as Senior Associate- Customer Representative at DenizBank in 2002. Working as Marketing Manager and Branch Manager at TurklandBank in 2004, BORAN served as Branch Manager at BurganBank in 2008 for one year before he joined DenizBank family again. Assuming the function of Branch Manager, Commercial Plus Branch Manager, Corporate Banking Branch Manager and Large Scale Loans Administrative and Legal Follow-up 2 Senior Vice President, BORAN has continued his duty as Executive Vice President in charge of Credit Follow-up Group since August 2022.
Born in 1974, YILMAZ completed his undergraduate education in Management Engineering at Istanbul Technical University Faculty of Business Administration in 1997. Sinan YILMAZ, who started his career at DenizBank A.Ş. as Assistant Specialist in Management Services Group in 1998, worked in various positions in Financial Planning and Control, Budget Planning, and Risk Management Departments, respectively. Sinan YILMAZ was recently appointed as the Manager of Risk Management Group. Since February 2014, he has been working as the Vice President responsible for the Risk Management Group at DenizBank A.Ş.
Born in 1976, ÖZDOĞAN completed his studies at Marmara University Business Administration in English and received his Master's degree from Yeditepe University Business Administration in English following his education in Istanbul High School. Özdoğan, who started his career as Assistant Specialist at Denizbank in 1999, worked as Financial Analysis and Intelligence Specialist, Credit, and Marketing Specialist, Qualified Loans and Pricing Executive, respectively. Continuing his career at DenizBank AG in 2003, Özdoğan served as DenizBank AG Private Banking Department Manager between 2003 and 2004, and DenizBank AG Marketing Department Manager between 2004 and 2006. He worked as the Public Financing Department Manager as of 2007 and then Commercial Banking Sales and Public Financing Group Manager between 2011 and 2015. Özdoğan, who took over the role of Istanbul Corporate Branch Manager in 2015, was appointed as the Executive Vice President responsible for Cash Management, Public Financing and Organization Group as of April 2017. He has worked as the Executive Vice President responsible for Digital Transformation, CRM, and Change Management Group as of February 2018. Lastly, he has been working as Executive Vice President responsible for Digital Transformation, Change Management and Non-Branch Channels as of July 2021. Umut Özdoğan is married and has two children. He has good command of English and German.
Born in 1971, UĞUR graduated from Middle East Technical University, department of Statistics in 1995. Starting his career in Akbank as a Junior Auditor in 1997, UĞUR assumed various roles in Finansbank and Egebank before joining DenizBank in 2003. He worked as Commercial Banking Vice President in Ostim, Ulus Ankara, Başkent Commercial Center and Public Finance Branches, which were followed by Department and Sales Manager roles in Northern Anatolia Region and Başkent Region. UĞUR worked as Branch manager of Bayrampaşa Commercial Center Branch and Maslak Commercial Center and Istanbul Public Finance Branches between 2010 and 2021; and as Senior Vice president in charge of Corporate and Commercial Banking and Commercial Banking Regional Manager. UĞUR has been working as Executive Vice President in charge of Corporate and Commercial Banking since December 2021.
Born in 1975, OĞUZ completed her undergraduate education at Marmara University, Department of International Relations. OĞUZ started her career as an Assistant Specialist at Interbank in 1997 and worked as Correspondent Relations Director at Ulusalbank A.Ş., Foreign Relations Officer at Türk Barter A.Ş., and Correspondent Relations Department Manager at TEB, respectively. Joining DenizBank as Financial Institutions Group Manager in 2010, OĞUZ worked as Group Manager in Correspondent Relations, Foreign Trade Financing, Structured Finance, and Financial Institutions Credit Analysis departments between 2010 and 2013. She was appointed as the Financial Institutions Group Executive Vice President at DenizBank A.Ş. in August 2016.
Born in 1965, VAN ROSTE completed his undergraduate education in the field of Marketing at Limburg University (Belgium). He started his career in the Corporate Sales Department of Bacob Bank in 1989. He worked as Corporate Sales Manager in Paribas Bank Belgium and Artesia BC, and as Department Manager in the Departments of Structured Products and Currency Derivatives. In 2002, he worked as Financial Engineering and Derivative Products Assistant Manager in Treasury and Financial Markets Group in Dexia. Between 2003 and 2005, he worked in the Public and Project Finance Group, Structured Finance and Financing of Export Department. He served as Assistant General Manager at Dexia Holding between 2005 and 2007, and as Public and Project Finance Group Assistant General Manager in DenizBank A.Ş. Public and Project Finance Group in 2007. Between 2007-2009, he served as Executive Vice President of DenizBank A.Ş. Public Project Finance and Corporate Banking Group in the Public Project Finance and Corporate Banking Group and as a Member of the Board of Directors of DenizBank A.Ş. between 2009 and 2020. Wouter Van Roste is the General Manager of DenizBank AG as of April 1, 2020.
DenizBank A.Ş. (“Banka”) olarak, siz değerli müşterilerimizin güvenliğini göz önünde
başta özel hayatın gizliliği olmak üzere, temel hak ve özgürlüklerin korunması amacıyla,
verilerle ilgili düzenlenen "Kişisel Verilerin Korunması Kanunu" hususunda sizi bilgilendirmek
Amacımız; sizlerin memnuniyeti doğrultusunda, kişisel verilerinizin
şekilleri, işlenme amaçları, hukuki nedenleri ve haklarınız konularında sizi en şeffaf şekilde
Bankamıza iletmiş olduğunuz veya Bankamızın usül ve işlemleri çerçevesinde edinmiş
olduğu her türlü
kişisel veri ile biyometrik veri, sağlık verisi dahil her türlü özel nitelikli veriniz bakımından
(“Veri”), 7 Nisan 2016 tarihinde yürürlüğe giren 6698 sayılı Kişisel Verilerin Korunması
(KVKK) gereğince, Bankamız DenizBank A.Ş. Veri Sorumlusu sıfatıyla, kişisel bilgileri KVKK’da
açıklandığı çerçevede; elde edebilecek, kaydedebilecek, depolayabilecek, muhafaza
hizmetlerini devam ettirebilmek amacıyla güncelleyebilecek, değiştirebilecek, yeniden
düzenleyebilecek, mevzuatın izin verdiği durumlarda ve ölçüde üçüncü kişilere açıklayabilecek,
devredebilecek, aktarabilecek, paylaşabilecek, sınıflandırabilecek, anonim hale
kanunda sayılan diğer şekillerde işleyebilecektir.
Kişisel verilerinizin işlenme amaçları ve hukuki sebepleri; Bankacılık
Kanunu ve diğer mevzuat kapsamında, bankacılık, sigortacılık ve finans ürünleri
ile ilgili hizmetlerinin verilebilmesi, ve acenta sıfatıyla sunulabilecekler de
dahil olmak üzere bunlara dair işlemlerin yerine getirilmesi, yürütülmesi ve geliştirilebilmesi,
bu hizmetlere ve ürünlere yönelik tanıtım, pazarlama ve kampanya faaliyetlerinin
yapılması, akdettiğiniz ve/veya akdettiğimiz sözleşmelerin gereğinin yerine getirilmesi;
istihbarat, bilgi araştırmaları ve kredibilite değerlemelerinin yapılması, planlama,
istatistik, müşteri memnuniyeti çalışmaları, güvenliğin sağlanması, karaparanın
aklamasının önlenmesi mevzuatına ve yurtiçi ve uluslararası mevzuata uyum; BDDK,
TCMB, SPK, MASAK, TBB, GİB, Hazine Müsteşarlığı ve diğer otoritelerce öngörülen
bilgi saklama, raporlama, bilgilendirme yükümlülüklerine uyulması, tarafınıza daha
iyi ve güvenilir hizmet verilebilmesi, yaptığınız işlemlerde bilgilerinizin tespit
edebilmesi için kimlik, adres ve gerekli diğer bilgilerinizin kaydedilmesi, kağıt
üzerinde, sözlü veya elektronik (internet/mobil bankacılık vb.) ortamlarda işlemlerinizi
tamamlayabilmeniz için gerekli tüm kayıt ve belgelerin düzenlemesi, tarafınıza uygun
hizmetler ve ürünler geliştirilmesi ve bunun kesintisiz olarak sürdürebilmesi, sizinle
paylaşmamız gereken önemli bilgileri iletişim bilgileriniz üzerinden iletmesi, ihtiyaçlarınız
doğrultusunda talep ettiğiniz ürün ve hizmetlerimizin sunulması, izniniz olması
durumunda, mevzuat kapsamında yer alan ve Bankamızla müşteri olma amacınız dışında
kalan ürün ile hizmetlerimizin sunulmasında kullanması, size özel ürün/hizmet/teklif
faaliyetlerinin planlaması ve hayata geçirilmesi, ürün, hizmet, çalışma modeli tekliflerin
gerçekleştirilmesi, profilleme, segmentasyon, Banka içi hedef yaratma, skorlama,
risk analizi, müşteri ilişkileri yönetimi, Banka içi performans takibi ile analiz
çalışmalarında kullanması, istatistiki çalışmalar, Banka hizmet sunma modellerinin
dizaynını gerçekleştirilmesi, pazar araştırması yapılması; İşyerinde güvenlik uygulamaları
nedeniyle Bankamız Şube, Bölge Müdürlüğü ve Genel Müdürlük binalarının ziyaret edilmesi
durumunda kamera görüntülerinin kaydedilmesi, ziyaretçi giriş/çıkışlarının takibine
yönelik kimlik verisinin işlenmesi, ziyaret sırasında internet erişiminin kullanılması
durumunda logların tutulması, kurumsal sürdürülebilirlik, kurumsal yönetim, stratejik
planlama ve bilgi güvenliği süreçlerimizin planlanması, denetlenmesi ve hayata geçirilmesi,
idari, hukuki yükümlüklerimizin ve sizinle imzaladığımız sözleşmelerimizin gereğinin
yerine getirilmesi amacıyla kişisel verileriniz işlenmektedir.
Kişisel verilerin toplanma yöntemi: Kişisel verileriniz, Bankamızın
Genel Müdürlük birimleri, şubeleri, ATM’leri, kioskları, internet şubesi, çağrı
merkezi, kamu kurum ve kuruluşları ile Banka’nın faaliyetlerinin tamamlayıcısı veya
uzantısı niteliğindeki hizmetleri aldığı taraflar, anlaşmalı kuruluşlar ve destek
hizmeti kuruluşları vasıtasıyla ve benzeri diğer kanalları aracılığı ile, otomatik
ya da otomatik olmayan yollarla, yazılı, sözlü ya da elektronik ortamda toplanabilmektedir.
Yukarıda belirtilen amaçlarla, kişisel verilerin aktarılabileceği kişi/kuruluşlar:
Kişisel Verileriniz; Bankamızın iştirakleri ve bunların alt kuruluşlarına; çalışanları,
şirket görevlileri, hukuk, mali ve vergi danışmanları, denetçileri, Banka'nın faaliyetlerinin
tamamlayıcısı veya uzantısı niteliğindeki hizmetleri aldığı, işbirliği yaptığı danışman,
kuruluş, taraflar ve KKB ve FINDEKS dahil destek hizmeti kuruluşları ve anlaşmalı
kuruluşlara, Europay INT.SA, Moneygram, Mastercard INT.INC, Visa INT, JCB INT, Maestro,
Electron, dahil uluslararası ya da yurtiçinde kurulu kartlı ödeme sistemleri kurum
ve kuruluşları, Bankamızın Müşteri İlişkileri Yönetimi (CRM) hizmeti, bulut bilişim
hizmeti, tanıtım amaçlı SMS veya mail gönderim hizmeti aldığı kurum ve kuruluşlar,
BDDK, SPK, TCMB, MASAK, TBB, KOSGEB, GİB, Hazine Müsteşarlığı, SGK, gibi otoriteler,
bakanlıklar, yargı mercileri gibi yetkili kamu kurum ve kuruluşlara, gerekli olması
halinde muhabir banka ve yurtiçi/yurtdışı finansal kuruluşlar ve yurtiçi/yurtdışı
üye işyerleri; Bankacılık Kanunu madde 73/4 dahil diğer mevzuat hükümlerinin izin
verdiği kişi, kurum ve kuruluşlar ile açık rızanızın bulunduğu diğer üçüncü kişilere;
Kanun’un 11. Maddesi Çerçevesinde Haklarınız; Bankamıza başvurarak;
kişisel verilerinizin a) işlenip işlenmediğini öğrenme, b) kişisel verileriniz işlenmişse
buna ilişkin bilgi talep etme, c) kişisel verilerinizin işlenme amacını ve amacına
uygun kullanılıp kullanılmadığını öğrenme, ç) kişisel verilerinizin yurt içinde
veya yurt dışında aktarıldığı üçüncü kişileri bilme, d) kişisel verilerinizin eksik
veya yanlış işlenmiş ise düzeltilmesini isteme, e) Kanun’un 7. maddesinde öngörülen
şartlar çerçevesinde kişisel verilerinizin silinmesini veya yok edilmesini isteme,
f) kişisel verilerinizin aktarıldığı üçüncü kişilere yukarıda sayılan (d) ve (e)
bentleri uyarınca yapılan işlemlerin bildirilmesini isteme, g) kişisel verilerinizin
münhasıran otomatik sistemler ile analiz edilmesi nedeniyle aleyhinize bir sonucun
ortaya çıkmasına itiraz etme ve ğ) kişisel verilerinizin kanuna aykırı olarak işlenmesi
sebebiyle zarara uğramanız hâlinde zararın giderilmesini talep etme hakkına sahipsiniz.
Haklarınızın, düzenlemenin yürürlük tarihi olan 07.10.2016 tarihinden itibaren kullanılması
mümkün olup, taleplerinizin yerine getirilmesini teminen Bankamızca yapılacak masrafları,
KVKK’nın “Veri sorumlusuna başvuru” başlıklı 13. maddesinde belirtilen tarifeye
göre tarafınızdan talep etme hakkımız saklıdır.
Rıza Gerektirmeyen Haller, 6698 sayılı Kişisel Verilerin Korunması
Kanunu’nun 5. Maddesinin 2. fıkrası uyarınca, kanunlarda açıkça öngörülmesi, bir
sözleşmenin kurulması veya ifasıyla doğrudan doğruya ilgili olması kaydıyla, sözleşmenin
taraflarına ait kişisel verilerin işlenmesinin gerekli olması, veri sorumlusu sıfatıyla
Denizbank A.Ş.’nin hukuki yükümlülüğünü yerine getirebilmesi için zorunlu olması,
ilgili kişi tarafından alenileştirilmiş olması, bir hakkın tesisi, kullanılması
veya korunması için veri işlemenin zorunlu olması, ilgili kişinin temel hak ve özgürlüklerine
zarar vermemek kaydıyla veri sorumlusu olan Banka’nın meşru menfaatleri için veri
işlenmesinin zorunlu olması, Bankacılık Kanunu madde 73/4 hükümlerinde yer alan
istisna hallerinde Banka’nın açık rıza almaksızın kişisel verileri işleyebilme hakkı
mevcuttur, ve Yayımlanan veya kamuya açıklanan ya da kanunlarda yer alan açıklık
ilkesi uyarınca resmi sicillerde veya bilançolar ile faaliyet raporlarında yer alan
veya kanunlardaki hükümler gereği kamunun aydınlatılması bakımından açıklamakla
yükümlü olunan Veriler ile Banka tarafından tabi olduğu mevzuattan kaynaklanan kanuni
yükümlülüklerinin yerine getirilmesi için ve/veya yasal zorunluluklar nedeniyle
ve/veya kanunlarda sırları talep edebilecek kişilere Verilerin aktarılması yükümlülüğünün
yerine getirilmesi için yapılacak Veri açıklama, kullanım ve aktarımlarının Banka’nın
sır saklama yükümlülüğüne tabi olmadığını ve bu Veriler için ayrıca bir muvafakatname
alınmasına gerek kalmaksızın Banka’nın söz konusu Verileri ilgili kişilere açıklamaya,
vermeye, işlemeye ve aktarmaya yetkilidir.
Kanundan Kaynaklanan Saklama Yükümlülüğümüz; 5411 sayılı Bankacılık
Kanunu’nun 42. maddesi gereği ve Bankaların Muhasebe Uygulamalarına ve Belgelerin
Saklanmasına İlişkin Usul ve Esaslar Hakkında Yönetmelik Madde 17 hükmü uyarınca
tarafınıza ait bilgi ve belgelerinizin bankamızca on yıl süre ile saklanması yasal
zorunluluktur. Kişisel verilerinizin silinmesini veya yok edilmesini talep etmeniz
halinde, söz konusu 10 yıllık sürenin sonunda bu talebiniz yerine getirilebilecektir.
Anılan sürelerin geçmesi halinde dahi; bankacılık hizmetlerinin iyileştirilebilmesi
ve daha güvenli hale getirilmesi amacıyla verileriniz risk analizi dahil diğer bankacılık
analizleri ve değerlendirmelerinin yapılabilmesi için bankamızın meşru menfaatleri
doğrultusunda anonim hale getirilebilecektir. Yukarıda anılan kapsamda olmayan kişisel
verileriniz talebiniz üzerine silinecektir.
Kişisel Veri Koruma Saklama ve İmha Politikası için tıklayınız.