Alternatif Bank announced its fourth-quarter 2025 financial results. Supported by consistently high asset quality and effective balance sheet management throughout the year, the Bank increased its consolidated total assets to over TRY 127 billion. Through cash (including financial leasing receivables) and non-cash loans, Alternatif Bank’s total contribution to the Turkish economy reached TRY 119 billion, while consolidated net profit amounted to TRY 1.82 billion.

Maintaining a disciplined growth strategy, balanced risk management, and a strong customer-centric approach throughout 2025, Alternatif Bank closed the fourth quarter with a resilient balance sheet structure. Thanks to its sustained focus on asset quality and prudent balance sheet management, the Bank delivered a stable and sustainable growth performance on a consolidated basis.

In line with this performance, Alternatif Bank increased its consolidated total assets to over TRY 127 billion by the end of 2025. The Bank’s total contribution to the Turkish economy through cash (including financial leasing receivables) and non-cash loans amounted to TRY 119 billion. During the same period, deposits reached TRY 44.2 billion, while shareholders’ equity increased to TRY 9 billion. Maintaining a strong capital base, the Bank’s capital adequacy ratio stood at 20.76 percent. Alternatif Bank completed 2025 with a consolidated net profit of TRY 1.82 billion.

“In 2025, we focused on balanced and disciplined growth”

Commenting on the Bank’s strategy throughout the year, Ozan Kırmızı stated:

“At Alternatif Bank, we managed growth in 2025 with a strong risk discipline at all times. Drawing strength from our corporate culture, we accompanied our customers’ growth journeys with sustainable and robust financial solutions.”

“Strong performance in corporate and commercial banking”

Highlighting the Bank’s corporate and commercial banking performance, Ozan Kırmızı noted:

“By the end of 2025, we increased our total cash loans by 60 percent to TRY 60.6 billion.” 

Stating that foreign currency cash loans grew by 30 percent to USD 696 million, Kırmızı added that transaction volumes also recorded strong growth in line with the Bank’s product-focused deepening strategy:

“We increased our Supplier Finance System discount volume by 229 percent to TRY 4.7 billion and our post-dated cheque volume by 67 percent to TRY 46.9 billion. The foreign trade volume we intermediated grew by 20 percent to USD 2.5 billion. Compared to the previous year, achieving a two-fold increase in CNY Swap Rediscount loans and a three-fold increase in post-financing and domestic LC discount transactions is a direct result of our specialization focus and our capability to match customer needs with the right solutions.”

“We placed customer experience at the center of retail and digital banking”

Evaluating the transformation in retail, private, and digital banking, Ozan Kırmızı said:

“We supported our success in corporate banking with a strong transformation in retail banking and digital channels. We implemented our goal of ‘the best customer experience’ through strategic investments. Thanks to our new digital customer onboarding solutions, 90 percent of the retail customers we acquired during the year joined us through digital channels. By renewing our fund transaction menu, we achieved 38 percent growth in our investment funds volume. Improvements in digital loan processes enabled 170 percent growth in personal consumer loans, while increasing the share of digital channels in total loan sales to 63 percent.”

“We view Accessible Banking not as social responsibility, but as a strategic commitment”

Emphasizing that Accessible Banking is positioned as a strategic commitment rather than a social responsibility initiative, Ozan Kırmızı stated:

“We continue our efforts with determination to ensure that every individual experiences an equal and inclusive banking journey. In 2025, our collaborations with FODER, accessible financial literacy initiatives, and awareness projects further strengthened this approach. Being honored with an award in the ‘Projects Creating Value for Society’ category at the Dünya Gazetesi Social Benefit Awards is a concrete reflection of this vision. In addition, the ‘Accessible Banking Hackathon Powered by Artificial Intelligence,’ which we launched in collaboration with Microsoft Türkiye, became a highly valuable platform bringing together young people’s technological creativity with accessible financial solutions.”