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We offer financial solutions in line with the needs of our customers from all walks of life with our efficiency-oriented policies, modern banking products, and services, including retail and private banking areas as well as Corporate, Commercial, Agricultural, Retail, Local Administrations, and SME Banking through our IT system infrastructure that is compatible with the requirements of the era and our widespread branch network and alternative distribution channels.

We are working to facilitate access to finance with our branches, of which 24% are rural, and 18% are in priority regions for development in our field settlement consisting of 949 branches and 29 regions. We provide banking services to reach more people with our digital banking applications that enable use regardless of location and time. We carry out 97.20% of the transactions in our bank through our non-branch channels.

We continue to provide services abroad to our customers through branches in Vienna, and Cologne of our subsidiary VakıfBank International AG, which was established to carry out banking operations abroad, the Budapest representation office, and our 4 branches in New York, Bahrain, Erbil, and Qatar. With the license approval we received from the Qatar Financial Center on May 10, 2020, we became the first and only Turkish Bank with a banking license in Qatar, which is progressing toward becoming an even more powerful financial center. We are increasing our overseas activities by standing alongside the Turkish entrepreneurs and business people operating abroad.

While expanding our deposit product portfolio in 2022, we continued to offer solutions that made life easier for customers. In September, we launched the product named "Cumulative Foreign Currency Protected Deposit" which makes life easier for customers who hold their TL-denominated savings in Foreign-Currency Protected TL Deposit Accounts. A trailblazer in the sector, this product allows customers, who hold their savings in the Foreign Currency-Protected TL Deposit Account to protect their savings vis-a-vis FX fluctuations by combining their savings in two separate accounts at the end of their term, while also saving time since the product can carry out this process automatically so they will not have to monitor the due date.

With ARI Account, we also greatly contributed to the dissemination of the savings deposit across a broader customer base and, consequently, the expansion of the customer portfolio. Offering daily terms, this deposit account continued to enable customers to benefit from compelling interest rates without having to break their time deposit even when they deposited or withdrew funds.

We guarantee easy access to financial products and services for all segments of society through the digital products we develop, while contributing to the heightening of financial inclusion levels in the banking sector.

We use our technological power to make it easier for our disabled citizens to benefit from financial products and services, and we are making the necessary arrangements on both our branch and non-branch channels.

As VakıfBank, in line with our goal of standing by all segments of society, we continue to offer solutions tailored to our customers’ requirements and enable them to make savings with the products and services we developed in this period.

Thanks to our network of 4,148 ATMs, we enable our customers to realize more than 70 banking transactions more quickly on a 24/7 basis, without waiting in the queue inside our branches.

Extensive ATM Network

Thanks to our network of 4,148 ATMs dispersed across a wide area in Türkiye, we enable our customers to realize more than 70 banking transactions more quickly on a 24/7 basis, without waiting in the queue inside our branches. Approximately 20% of our ATMs are located in rural areas and 21% are in priority regions for development. Additionally, 99% of our ATMs consist of Barrier-Free Life ATMs.

We will kick off efforts to acquire 2,000 Recycling-capable next-gen ATMs as of 2023. We will replenish these ATMs with the ATMs whose economic life is about to expire. In this way, while we will ensure that all of our ATMs, the numbers of which are now reduced to 80, which are not equipped for the use of visually impaired customers, are withdrawn from the field, we will also increase the number of Recycle ATMs from 1,246 as of the end of 2022. So while reducing the frequency of servicing and the probability of malfunctions, we are going to decrease the level of carbon emissions resulting from servicing and maintenance operations. Furthermore, with the rise in the number of our Recycle ATMs, we will also increase the efficiency of our ATMs and contribute to the reduction of the operational workload.

Next year, we will develop QR code cash withdrawals from other banks' ATMs as a first in Türkiye. Having finalized the efforts for this practice in the previous year, we will also add cash deposit features to our menu. Our goal is to improve and facilitate these transactions for our customers.

We also continued the Public Partner ATM operations in 2022. In this context, we have completed the development of the software, which allows the customers who prefer using the Public Partner ATM to perform transactions by directly using the menus of the customer's bank. Once the software becomes widely implemented on all ATMs, we will deliver our customers the experience to perform transactions using our ATM menus not only in our ATMs but also on 19 thousand ATMs that belong to other banks.

Banking without Barriers

We aim to remove barriers in access to banking services, and we are trying to find solutions to make life easier for disabled people by being involved in the Banking Services Working Group for Disabled Citizens of the Banks Association of Türkiye (BAT).

While designing our branches’ entrances and interior designs to make them eligible for the use of our physically disabled customers, we are working to provide palpable surfaces, call buttons, emergency voice, and light guiding devices, and Braille embossed handles and disabled desks.

We do not restrict our efforts towards disabled customers with our branches alone. We also conduct works to facilitate access to financial services for disabled customers through other channels. We offer our basic contracts for our customers with disabilities in Braille Alphabet and audio format. We posted announcements in Braille about Bilge Çocuk Magazine's special issue for visually-impaired children and thus made sure 1,000 visually-impaired children could reach the magazine. Thus, we aim that our disabled customers can safely perform their Barrier-free banking transactions. We also attended the 12th edition of the Barrier-Free Life exhibition, which is the only one in its field and the world's 6th-largest exhibition in 2022.

We make the screen and keyboard height and physical location of our ATMs suitable for wheelchair access. 41 percent of all of our ATMs have been customized for the use of our customers with physical disabilities. In 4,088 ATMs, we ensure that visually-impaired people, whether they are our Bank's customers or not, can perform their banking transactions using their voice with the help of headphones. 99 percent of our ATMs are suitable for use by our visually-impaired customers.