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OUR EXECUTIVE STAFF

  • Melikşah Utku
    Board Member and General Manager

    Mr. Utku was born in Ankara in 1968. He graduated from Mechanical Engineering Department of Boğaziçi University (Istanbul, 1990). He completed his graduate studies in London School of Economics (1990-1992) and Master’s Degree on economic development in Marmara University (Istanbul, 1998). In 2004, he served as a consultant to General Manager of Albaraka Turk. In 2006-2007, he was the head economist in Albaraka Turk. In addition, he was an economics columnist for Yeni Şafak newspaper for over 10 years (1995-2009). He later worked as Investor Relations Manager between 2007 and 2009. He continued as CIO-Assistant General Manager in December 2009 and was appointed as CFO-primarily responsible for Financial Affairs, Budget and Financial Reporting and Corporate Communication Departments. He was a board member of Borsa Istanbul from 2013 to 2016. As the General Manager of Albaraka Turk as of October 2016 Utku continued his duty, as well as Chairman of the Board of directors of Bereket Varlık Kiralama A.Ş., Albaraka Portföy Yönetimi A.Ş., Katılım Emeklilik ve Hayat A.Ş. and Albaraka Kültür Sanat ve Yayıncılık A.Ş. He is a member of Executive Committee, Credit Committee, Remuneration Committee and the Chairman of IT Governance Committee. On 2018, he has been appointed as a board member of the Marmara University Technopark.

  • Turgut Simitcioğlu
    Deputy General Manager (CMO)

    Turgut Simitcioğlu was born in Erzurum in 1961. After graduating from King Saud University, Faculty of Education in Saudi Arabia in 1989, he received his Master’s degree in Business Administration from Fatih University, Institute of Social Sciences. Mr. Simitcioğlu joined Albaraka Türk in 1990 and worked in the Fund Allocation Department from 1990 to 1995, and at the Central Branch from 1995 until 2001. He was Director of the Central Branch between 2001 and 2003, and later Director of the Corporate Banking Department, before serving as Central Branch Manager from 2003 to 2009. In December 2009, he was appointed Assistant General Manager, thereafter serving as Assistant General Manager in charge of Credit Operations, Foreign Transactions Operations, Payment Systems Operations, Banking Services Operations and Risk Monitoring. Still serving as a Member of the Board of Directors at Katılım Emeklilik ve Hayat A.Ş. Yönetim and Deputy General Manager in charge of Business Lines as of January 2017, Simitcioğlu has been serving as the Assistant General Manager in charge of Credit Risks since October 2018.

  • Süleyman Çelik
    Assistant General Manager

    Süleyman Çelik was born in Samsun in 1963. He graduated from Marmara University, Faculty of Economics and Administrative Sciences, Department of Public Administration. Mr. Çelik started his professional career in 1988 at Albaraka Türk. He worked in the Foreign Transactions Department from 1988 to 1996, at the Fatih Branch between 1996 and 1997, and at the Ümraniye Branch from 1997 until 2000. Between 2000 and 2011, Mr. Çelik worked at Türkiye Finans as Ümraniye and Sultanhamam Branch Manager, Credit Operations Manager, and Human Resources Manager. In 2011, he was appointed Üsküdar Branch Manager at Albaraka Türk, before assuming the role of Human Values Manager between 2012 and 2017. Mr. Çelik was appointed Assistant General Manager in January 2017, and is in charge of Human Values, Administrative Affairs, Directorate of Construction & Real Estate, Department of Training and Career Management. Celik is also a member of the Board of Directors of Albaraka Culture, Art and Publishing Inc. and Albaraka Tech Global Inc.

  • Fatih Boz
    Assistant General Manager

    Fatih Boz was born in Edirne in 1973. He graduated from Ankara University, Faculty of Political Sciences in 1995. Mr. Boz completed his master’s degree on Political science in the same university. He worked in different companies as director between 1995-1998. In 1998 he started to work as Asistant Inspector in Albaraka Turk. He served as Deputy Director of the Operations Department in 2003, Branch Manager between 2006-2009, Manager in Project Management Department from 2010 to April 2011 and Manager from 2011 to 2017in Credits Operations Department. In January 2017, he was appointed as Deputy General Manager responsible of Central Operations .As of August 2019, Fatih Boz has been serving as Deputy General Manager responsible of Corporate Loans Allocation Department, Commercial and SME Loans Allocation Department and Retail and Micro Loans Allocation Department.

  • Hasan Altundağ
    Assistant General Manager

    Hasan Altundağ, who graduated from Ankara University Faculty of Political Sciences, Department of Economics, started his banking life in 1986 as an inspector at the Board of Inspection of Yapı ve Kredi Bankası. Until 1999, he worked as Inspector, Operations Manager and Field Manager respectively. Altundağ, who worked as the Branch Manager of the participation bank between 1999-2004, joined the Albaraka Türk Participation Bank family in March 2004. He worked at Albaraka Turk as Sultanhamam Branch Manager between 2004-2005, Marketing Regional Manager between 2005-2011, Transformation Management Office Manager between 2011-2013 and Strategy and Corporate Performance Management Manager between 2013-2016.Hasan Altundağ, who was appointed as the Deputy General Manager Responsible for Marketing in 2017, has been serving as the Corporate Sales Manager, Commercial and SME Sales Manager, Retail and Private Banking Sales Manager and Sales Deputy General Manager in charge of Regional Directorates since July 2020. Altundağ is also Albaraka Culture Art and Publishing Inc. He also acts as the Deputy Chairman of the Board of Directors.

  • Malek Khodr Temsah
    Assistant General Manager

    Mr. Temsah was born in Beirut, Lebanon in 1981. He received his Bachelor of Business Administration from The George Washington University (Washington D.C., 2003) and completed his Master’s Degree in Business Administration from Thunderbird, the Garvin School of International Management (Arizona, 2006). In 2003, Mr. Temsah began his career with Bank of America Business Banking in Washington DC followed by his tenure at the London-based European Islamic Investment Bank between 2007 and 2009. In 2010 he joined leading global Islamic bank Albaraka Banking Group, Bahrain as Vice President of Treasury where he established & oversaw the global sukuk desk until 2014. Since 2014, Mr. Temsah has been working with Albaraka Türk Participation Bank and is currently overseeing the Treasury, Financial Institutions and Investment Banking Departments. He was also a member of the board of directors for one of Morocco’s first Islamic banks, BTI Bank, between 2017 and 2020, where he served on the audit and board affairs committees.

  • Mustafa Çetin
    Assistant General Manager

    Mustafa Çetin was born in Afyonkarahisar in 1971. In 1991, he ranked 20th in the national university exam. He went on to graduate from Boğaziçi University, Department of Management in 1996. In the same year, Mr. Çetin started his professional career at Finansbank in the Corporate Banking Management Trainee Program.He worked as a manager in Corporate and Commercial Banking at Türk Dış Ticaret Bankası between 1999-2004. He started to work at AlBaraka Turk in the year of 2004 and continued his duty as Head of Branch until 2008, as the Marketing Manager from 2008 to 2011, the Head of Foreign Operations from 2011 to 2012, the Unit Manager responsible for Financial Institutions and Investor Relations and a member of the Corporate Governance Committee from 2012 to 2017, and the Deputy General Manager responsible for Finance and Strategy from 2018 to 2020. He has been working as the Deputy General Manager of Finance and Investor Relations, responsible for the directorates of Financial Reporting, Financial Affairs, Business Excellence and Innovation, Investor Relations as well as for the Data Governance Service units since July 2020. He is also a member of the Board of Directors of Albaraka Technology Information Systems and Marketing Trade Inc., one of the Albaraka Turk affiliates. Mustafa Cetin, who speaks English and German, has Capital Market Activities Advanced License and Corporate Governance Rating Specialist License.

  • Volkan Evcil
    Assistant General Manager

    Volkan Evcil was born in 1966 in Eskişehir. In 1987, he graduated from Anadolu University, Faculty of Economics and Administrative Sciences, Department of Economics. In 1990, he began his career as Assistant Inspector at Tütünbank’s Internal Audit Department after winning the exam for this position. In 1992, he joined the Albaraka Türk family as Assistant Inspector, before serving as Inspector, Chief Inspector, Vice Chairman of the Internal Audit Department, and President of Risk Management. He was named President of Risk Management in 2006. Since February 2017, he has been serving as Internal Systems Senior Manager in charge of Internal Audit Department, Internal Control Department, Risk Management Department, and Legislation and Compliance Department. On August 2019, he became the Assistant General Manager in charge of Central Operations which consist of Credit Operations Department, Foreign Trade Operations Department, Banking Services Operations Department and Collateral Management Department. In January 27, 2020 he was appointed to the Banks Association of Turkey Risk Center Management’s Board Member as the representative of Participation Banks Assosiation of Turkey.

  • Mehmet Fatih Yorulmaz
    Assistant General Manager

    Mr. Yorulmaz was born in Kahramanmaraş in 1980. He received his bachelor's degree in Civil Engineering from Middle East Technical University in 2001 within 3.5 years with a ranking of 3rd. Having completed his master’s degree with high distinction at Georgia Institute of Technology in 2002, Mr. Yorulmaz contributed to the engineering designs of several high-rise structures in Atlanta, USA. In 2005, he moved to Jeddah, KSA and joined Islamic Development Bank as a Portfolio Manager where he led projects in Afghanistan, Pakistan and Sudan. Mehmet Fatih Yorulmaz received his MBA degree from Harvard Business School with high distinction (top %5) in 2009. Afterwards, he worked at the Boston Consulting Group’s Boston and Istanbul offices to provide management consulting services to several world-renowned clients in finance sector. Starting from 2011, he served as CEO Advisor at Turk Telekom and Senior Director of Marketing, Corporate Sales & Business Development at TTNET, the biggest telecom company in Turkey. Mr. Yorulmaz took the role of Principal at ICD, Islamic Development Bank’s private sector arm, where he was responsible from credit allocation to Turkey & CIS countries. In 2016 as Country Manager, he established Turkish office of a multinational fintech start-up, Compare Europe Group. Mehmet Fatih Yorulmaz joined Albaraka Türk Participation Bank as CEO Advisor in 2017 and was appointed as Chief Marketing Officer in July 2020 to be in charge of Marketing, Product Management, Corporate Communications and Pricing Departments. Yorulmaz is also a member of the Board of Directors of Albaraka Culture, Art and Publishing Inc.

  • Adnan Ahmed Yusuf Abdulmalek
    Chairman

    Mr. Adnan Yusuf was born in 1955 in Manama (Bahrain). He studied Administrative Sciences in the Hull University (England) where he also completed his master degree. In recognition of Mr. Yusuf’s outstanding contribution in the field of contemporary Islamic finance and for modernizing its theoretical fundamentals in practice, the Al Jinan University of Lebanon granted him an Honorary Doctorate of Philosophy in Business Administration. He commenced his banking career in 1973 at Habib Bank. He worked at the American Express Bank between the years of 1975 and 1980 as assistant manager of credit transactions. He then held the following positions at Arab Banking Corporation (ABC) from 1980 onwards: Manager of main branch, Deputy General Manager and Vice Chairman, Director of Global Marketing and Financial Institutions Division, Head of Arab World division, Vice Manager of Subsidiaries and Investments. In 1998 Mr. Yusuf became Chairman of ABC Islamic Bank (EC). He took office as the CEO of Bahrain Islamic Bank during 2002-2004 and two terms (2007-2013) served as the Chairman of the Board of the Arab Bankers’ Union in Lebanon. Since August 2004, he has been working as a board member and CEO of the Albaraka Banking Group (ABG). As President & Chief Executive, Mr. Yusuf has led Albaraka Banking Group (ABG) since inception, developing the Group into one of the largest and most diversified Islamic banking groups in the World, operating a network of around 700 branches in 17 countries, with its Head Office in the Kingdom of Bahrain. In 2011, Mr. Yusuf received the Medal of Efficiency, a unique honor conferred by His Majesty King Hamad Bin Isa Al Khalifa, the King of the Kingdom of Bahrain. In 2017, Mr. Yusuf received the Honorary Freedom Award, the highest honor from the City of London for his outstanding contributions to international banking services. The Global Islamic Finance Awards (GIFA) has declared Mr. Yusuf as the Islamic Finance Personality of the Year 2017. He was also awarded by the LARIBA American Finance House the 2012 LARIBA Award for Excellence in Achievement in recognition of his leadership role in consolidating and operating the largest diversified Islamic banking group in the world. In 2004 and 2009, he twice received the Islamic Banker of the Year award (2004 and 2009). Mr. Adnan was awarded the "Excellence in Partner Empowerment for 2019" and “The Arab Economic Socially Responsible-Personality" awards by the Regional Network for Social Responsibility in 2019. In 2017, Mr. Yusuf won the 12th Islamic Business & Finance Awards for his Outstanding Contribution in CSR in Islamic banking. In 2016, the CSR Regional Network named him as the High Commissioner for advocating the United Nations Sustainable Development Goals 2030. The CSR Regional Network, in 2015, named him the CSR International Ambassador (Kingdom of Bahrain). He also received the Gold Award for Sustainable Development for his major role in the social responsibility programs nationally and internationally in 2016, as well as recognition for the leading role of ABG in the field of CSR at Oman International Conference on Social Responsibility. Mr. Yusuf has been the Chairman of the Board of Directors, Credit Committee and Remuneration Committee of Albaraka Türk since April 2005. He is also the Chairman of the Executive Committee.

  • Süleyman Kalkan
    Vice Chairman

    Süleyman Kalkan was born in Kırşehir in 1956. He graduated from the Faculty of Political Sciences, Department of International Relations at Ankara University. Mr. Kalkan began his professional career as an assistant inspector at İşbank in 1983. He then served as Retail Loans Assistant Manager in 1993, Commercial and Corporate Loans Regional Manager in 1995 and Non-performing Loans Manager from 1997 until the end of 2003 and sat on the Disciplinary Committee for six years at the same bank. Mr. Kalkan served as a Branch Manager during 2003-2010. He also served as Board Member of İşbank affiliates, including TSKB (Industrial Development Bank of Turkey), Anadolu Hayat Emeklilik (life insurance) and İş Factoring. Mr. Kalkan was appointed as the Executive Member of the Board and the General Manager of Vakıfbank in March 2013 and served as the Chairman of the VakıfBank affiliates Güneş Sigorta (insurance) and Vakıf International AG (Vienna). He has served as Deputy Chairman of Halkbank between April 2013 - April 2016. He also chaired the Audit Committee as an Independent Board Member. Mr. Kalkan was the member of Supervisory Board of Demir-Halk Bank (Nederland) N.V., one of Halkbank affiliates between April 2013 - October 2016 and served as the member of RCC (Remuneration & Compensation Committee), NC (Nomination Committee) and SBCC (Credit Committee). Mr. Kalkan was appointed as the Board Member of Albaraka Turk as of 31 May 2018. He is the Chairman of the Corporate Governance Committee, Vice-Chairman of the Executive Committee and a member of the Credit Committee.

  • Ibrahim Fayez Humaid Alshamsi
    Board Member

    He was born in 1949 in the Ajman city of the United Arab Emirates (UAE). Mr. Ibrahim Fayez had his degree in Economics from the Arab University of Beirut in Lebanon in 1972. He commenced his professional career in 1969-1971 at Bank of Oman as Current Accounts Chief. Later on he became the manager of its Ajman branch (1971). In between 1972-1976, he held the following positions: Manager of Financial Affairs at the Ministry of Housing & Town Planning of UAE. He worked as Assistant General Manager at Abu Dhabi Fund for Arab Economic Development between 1976-1989; Board Member for European Arab Bank Holding in Luxembourg (1978), Board member for Industrial Bank of UAE (1983-1999), Board member for Austrian Conference Centre Co in Vienna (1984) and Board member for Dubai Islamic Bank (1998-2001). He also worked as chairman of UAE Bangladesh Investment Co in Bangladesh (1988-1989), and Board of the Arab Fund for Economic & Social Development in Kuwait (1983-2010). He has been the Chairman and CEO of the Emirates Islamic Bank in Dubai between 2004 and 2011. Later on, his own company AlRabiah Trading Co. (Dubai). He is the Chairman of Albaraka Bank Egypt, board member at the Albaraka Banking Group (Bahrain) and Albaraka Bank Syria. He has been a board member of Albaraka Türk since April 2005. He is also the member of Corporate Governance and Sustainability and Social Responsibility Committee.

  • Prof. Dr. Kemal Varol
    Board Member

    Kemal Varol who was born in 1943 in Iğdır, had his masters degree on the Textile Chemistry from the Institute of Science and Technology of Manchester University in 1965 where he had also completed his Doctorate in 1968. Since 1974, Mr. Varol has been working as a senior manager in numerous companies including the Sümerbank where he worked as General Manager and Chairman of the Board. He is currently working as a Professor at Istanbul Commerce University. Kemal Varol has served as an Independent Board Member to the Board of Albaraka Türk between 2013 and 2019. He was also the chairman of Corporate Governance Committee from July 2014 to March 2017. Currently, he is a member of the Credit Committee and the Executive Committee.

  • Mustafa Büyükabacı
    Board Member

    Mr. Büyükabacı graduated from Boğaziçi University, Department of Industrial Engineering and earned his master’s degree in the same field in 1984. He then worked as a research associate at the same department. From 1989 onwards, he assumed various management roles at capital markets and investment firms, mainly focusing on Asset/Portfolio Management and Investment. In 1993, he joined Yıldız Holding as the Founding Director and Board Member of Taç Investment Trust. In addition, he served as Capital Markets and Financial Advisor at Yıldız Holding with regard to capital, commodity and money markets; and as Board Member at Family Finans and other group companies. He founded Bizim Securities, where he worked as Founding Director and Board Member. Mr. Büyükabacı founded the real estate division of Yıldız Holding, turning real estate operations into a major line of business. He worked as Founding President of the Real Estate Group. He left Yıldız Holding at the end of 2010. Later, he founded his own investment company, where he continues to engage in investments in agriculture, livestock, real estate and capital markets. Between 2013 and 2016, Mr. Büyükabacı served as Board Member at Borsa Istanbul and between 2012 and 2018 he served as Independent Board Member at BİM Birleşik Mağazalar A.Ş. He serves as Independent Board Member Albaraka Portföy Yönetimi A.Ş. Mr. Büyükabacı has been serving as Board Member, Chairman of the Audit Committee and Member of the Executive Committee and the Remuneration Committee at Albaraka Türk Participation Bank. He is also the Vice Chairman of the Board of Trustees at Istanbul Sabahattin Zaim University.

  • Dr. Mohamed Ali Chatti
    Board Member

    Dr. Mohamed Ali Chatti was born in 1984 in Tunisia. He earned his Bachelor’s Degree in Finance from the Institute of High Commercial Studies in Tunisia and his Masters Degree from Paris X Nanterre University in France. He then completed his Ph.D. in Finance in 2010 at Paris X Nanterre University, in France. Dr. Chatti began his career in 2010 as Young Professional at the Islamic Development Bank (IsDB). Between 2011 and 2017, he worked as an Investment Analyst and Senior Investment Officer at the Investments Department of IsDB. He was also a lecturer about Islamic Fınance at the ESSEC Tunisia in 2012. Since 2018, he is the manager of the Islamic Fınance Investments Division and managing three strategic portfolios for the IsDB: equity portfolio of IsDB (in the Islamic Fınancial institutions), Awqaf Portfolio (managing the Awqaf Properties Investment Fund) and the microfinance portfolio. In total, he is managing a portfolio worth more than US$ 2 billion. İn October 2019, he was appointed as Acting Director for the Islamic Fınancial Sector Development Department at IsDB. Dr. Chatti represented IsDB in other boards (first Islamic Bank in Nigeria for more that 6 years, a Trading company in Bahrain for 4 years, a microfinance Bank in Sudan for 3 years) before joining Al Baraka Board of Directors. Dr. Chatti is a member of the Audit Committee and substitute member of the Credit Committee.

  • Mehmet Ali Gökce
    Board Member

    Mr. Gökce was born in Çankırı in 1957. He obtained his bachelor’s degree from Ankara University – Faculty of Theology and Masters Degree from University of Turkish Aeronautical Association, Institute of Social Sciences, Business. He commenced his banking career at Töbank as “Banking Officer” and worked there until 1984. Between 1987 - 1991 he served as Assistant Manager at Faisal Finance Institution. Then he worked as Ankara Branch Manager of Kuveyt Türk Participation Bank between 1991 and 1999. In 1999, he was appointed as Assistant General Manager of Anadolu Finance Institution and served there until 2005. Between 2006 and 2011 he served as Assistant General Manager of Türkiye Finans Participation Bank. In 2011, he was appointed as the CEO of Termikel A.Ş. and served there until 2012. He served as a Board Member of Asya Participation Bank between 2015 – 2016 and served as the CEO and the Chairman of “RCT Varlık Yönetim A.Ş.” between 2012 and 2017. He served as a Board Member at the Türkiye Halk Bank between 2016 and 2017. On March 2020, he has been appointed as a Board Member of Albaraka Türk Participation Bank and still he is a member of Audit Committee, Executive Committee and the Chairman of the Sustainability and Social Responsibility Committee.

  • Melikşah Utku
    Board Member and CEO

    Mr. Utku was born in Ankara in 1968. He graduated from Mechanical Engineering Department of Boğaziçi University (Istanbul, 1990). He completed his graduate studies in London School of Economics (1990-1992) and Master’s Degree on economic development in Marmara University (Istanbul, 1998). In 2004, he served as a consultant to General Manager of Albaraka Turk. In 2006-2007, he was the head economist in Albaraka Turk. In addition, he was an economics columnist for Yeni Şafak newspaper for over 10 years (1995-2009). He later worked as Investor Relations Manager between 2007 and 2009. He continued as CIO-Assistant General Manager in December 2009 and was appointed as CFO-primarily responsible for Financial Affairs, Budget and Financial Reporting and Corporate Communication Departments. He was a board member of Borsa Istanbul from 2013 to 2016. As the General Manager of Albaraka Turk as of October 2016 Utku continued his duty, as well as Chairman of the Board of directors of Bereket Varlık Kiralama A.Ş., Albaraka Portföy Yönetimi A.Ş., Katılım Emeklilik ve Hayat A.Ş. and Albaraka Kültür Sanat ve Yayıncılık A.Ş. He is a member of Executive Committee, Credit Committee, Remuneration Committee and the Chairman of IT Governance Committee. On 2018, he has been appointed as a board member of the Marmara University Technopark.

  • Abdul Sattar ABU GHUDDAH
    President

    Holder of a Bachelors in Shari'ah from Damascus University (1964), a Bachelors of Law from Damascus University (1965), a Masters in Shari'ah from Al-Azhar University (1966), a Masters in Al-Hadith Sciences from Al-Azhar University (1967), and a Doctorate in Comparative Jurisprudence from Al-Azhar (1975). President and General Secretary of the Unified Shari'ah Board of Al-Baraka Banking Group, an expert and a former reporter of the Jurisprudence Encyclopedia at the Kuwaiti Ministry of Awqaf & Islamic affairs, and a visiting professor at Saleh Kamel's Center for Islamic Economic Studies, Al-Azhar University. A member of the International Islamic Fiqh Academy in Jeddah, the Zakat International Shari'ah Board, the Accounting Standards Council and the Shari'ah Council of the Accounting and Auditing Organization for Islamic financial institutions. (AAOIFI) Vice-President of the Shari'ah Board of Dubai Financial Market (DFM), an executive member of the Shari'ah Board of the Central Bank of Syria, a member of the Shari'ah Committee of the Central Bank of Bahrain, Vice-President of the Shari'ah Board of the Abu Dhabi Islamic Bank, a member of the Shari'ah Board of the Sharjah Islamic Bank, Chairman of the Shari'ah Board of Abu Dhabi National Takaful Co., a member of the Shari'ah Board of Takaful Re Limited in (DIFC), Head of Al Hilal Bank Shari'ah Board , in addition to being a Head or a member of many other Shari'ah Boards. Sheikh Dr. Abu Ghuddah is an author and examiner of several books, in addition to being a trainer and instructor for training portfolios of several courses specialized in Islamic banking.

  • Doç. Dr. Necmettin Kızılkaya
    Member

    He graduated from Marmara University Faculty of Theology in 2001. He did his master's degree at the Department of Islamic Law of the same university. In 2011, he completed his Doctorate at Selçuk University, Institute of Social Sciences. Kızılkaya's studies are mostly concentrated on the fields of Islamic Law and Economics. In particular, Islamic Law History, Modernization and Fiqh, 19th Century Economic and Legal Transformations, Islamic Law Literature, Islamic Economy and Current Fiqh Problems are among his subjects of interest. Kızılkaya, has many studies published in various languages in the field of Islamic Law, and he is still working as a Faculty Member at the Department of Islamic Law at the Faculty of Theology at İstanbul University.

  • Prof. Dr. Hamdi DÖNDÜREN
    Member

    Born in Balıkesir, in 1945. Finished both; İmam Hatip high school and a general high school after committed to memory the Holy Kur’an. Graduated from both; the High Institute of Islam and the Faculty of Law in İstanbul. Became associate professor in 1998 after completed his doctoral study on Islamic Law in 1983. He continuous his studies as a professor. From 1973 he, as an instructer, took miscellaneous duties at the Konya High Institute of Islam, the Bursa High Institute of Islam and the Faculty of Theology at Uludağ University. In 1986, for some time, he did research at the University of İmam Muhammed b. Suud el-İslamiyye, Saudi Arabia, upon invitation of the university. In addition to his miscellaneous articles and studies, he has a wide range of publications on; Profit rate in commercial transactions according to the Islamic Law, Islamic approaches to contemporary issues, Translation of Ibn Abidin with a catalogue and a dictionary of terms and the like. He also has many researches on Money, Credit, Inflation, Commercial Companies, Islamic Banking, Mudaraba, Risk in Capital and interest, employee and the employer. In addition to his duties either as an advisor or an advisory board member in different institutions, he continuous his studies on the Islamic Banking. In this context, he also gives trainings and seminars.

DEPARTMENTS
ADC (ALTERNATIVE DISTRIBUTION CHANNELS) DEPARTMENT
CORE BANKING APPLICATIONS DEVELOPMENT DEPARTMENT
BANKING SERVICES OPERATIONS DEPARTMENT
RETAIL CREDITS DEPARTMENT
IT INFRASTRUCTURE AND OPERATION DEPARTMENT
GOVERNANCE AND STRATEGY OF IT DEPARTMENT
FOREIGN TRADE OPERATIONS DEPARTMENT
TRAINING AND CAREER MANAGEMENT DEPARTMENT
FINANCIAL INSTITUTIONS AND INVESTOR REALTIONS DEPARTMENT
FINANCIAL REPORTING DEPARTMENT
TREASURY DEPARTMENT
LEGAL ADVISORY
LEGAL FOLLOW-UP DEPARTMENT
INTERNAL CONTROL DEPARTMENT
ADMINISTRATIVE AFFAIRS AND PURCHASING DEPARTMENT
HUMAN VALUES DEPARTMENT
BUILDING AND REALTY DEPARTMENT
BUSINESS EXCELLENCE AND INNOVATION DEPARTMENT
CREDIT INTELLIGENCE DEPARTMENT
CREDIT RISK MONITORING DEPARTMENT
CREDIT OPERATIONS DEPARTMENT
CORPORATECOMMUNICATIONS DEPARTMENT
CORPORATE CREDITS DEPARTMENT
CORPORATE SALES DEPARTMENT
FINANCIAL AFFAIRS DEPARTMENT
LEGISLATION AND COMPLIANCE DEPARTMENT
CUSTOMER,CHANNELS AND ANALYTICAL APP. DEVELOPMENT DEPARTMENT
PAYMENT SYSTEMS OPERATIONS DEPARTMENT
MARKETING DEPARTMENT
RETAIL AND PRIVATE BANKING SALES DEPARTMENT
RISK MANAGEMENT DEPARTMENT
STRATEGIC PLANNING DEPARTMENT
COLLECTION DEPARTMENT
INTERNAL AUDIT DEPARTMENT
COLLATERAL MANAGEMENT DEPARTMENT
COMMERCIAL CREDITS DEPARTMENT
COMMERCIAL AND SME SALES DEPARTMENT
PRODUCT MANAGEMENT DEPARTMENT
INVESTMENT BANKING DEPARTMENT
INVESTMENT PROJECTS DEPARTMENT
BOARD REPORTING DEPARTMENT