Integrated Annual
Report 2025
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About
VakıfBank
About the Report
Message from the Chairman
Message from the General Manager
VakıfBank in Brief
VakıfBank’s Cornerstones
VakıfBank in Figures
History and Ownership Structure
Amendments to the Articles of Association
Declaration of Responsibility
2025 Awards
Integrated Thinking
in VakıfBank
The World and Türkiye in 2025
Global Economy
Turkish Economy
Banking Sector
Trends and Highlights in the Banking Sector
Our Material Topics and Sustainability Approach
Our Value Creation Model
Our Performance Indicators by Capital Elements
Value Created for VakıfBank
Value Created for Stakeholders
Our Medium- and Long-Term (3 to 5 Years) Goals
Our Contributions to Sustainable Development Goals and Our Strategies
Our Capital
Elements
Our Financial Capital
Financial and Economic Performance
Easy Access to International Funding
Responsible Finance and Sustainable Development
Our Intellectual Capital
Digital Transformation and Innovation
Internet Banking and Mobile Banking
Information Technologies
Business Continuity and Customer Information Security
Applications and Innovations
Our Manufactured Capital
Financial Inclusion
Extensive ATM Network
Banking without Barriers
Our Social and Relational Capital
Customer Experience and Satisfaction
Stakeholder Engagement and Transparency
Corporate Social Responsibility in VakıfBank
Responsible Supply Chain
Affiliates and Subsidiaries
Our Human Capital
Employee Engagement and Satisfaction
Human Rights, Equal Opportunity, and Diversity
Remuneration and Benefits
Safe Working Environment
Capacity Building and Talent Management
Employee Development and Training
Recruitment of Young Talents
Our Natural Capital
Climate Change and Environmental Performance of the Bank
Corporate
Governance
Corporate Governance
Corporate Governance Principles Compliance Statement
Information on the General Assembly
Summary Report of the Board of Directors
Information on the Board of Directors
Board of Directors
Board of Auditors
Executive Management
Internal Control Systems Executives
Financial Rights
Committee Structures and Policies
Committees
Outsourced Support Services
Transactions with the Bank’s Risk Group
Statutory Auditors’ Report
Statements of Independence
Assessment of the Internal Systems and Operations
Risk Management
Ethical Principles of Banking
Compliance and Audit
Prevention of Laundering of Criminal Proceeds and Terrorism Financing
Anti-Bribery and Anti-Corruption
Sustainability Management
Compliance Opinion
Independent Assurance Statement
Financial
Information
Unconsolidated Financial Statements Related Disclosures at December 31, 2025 Together with Independent Auditors’ Report
(3.4MB)
Consolidated Financial Statements Related Disclosures at December 31, 20254 Together with Independent Auditors’ Report
(4.1MB)
International Credit Ratings
Evaluation of the Bank’s Financial Position, Profitability and Solvency
Index of Annexes
Contact
Download PDF
Independent Assurance Statement
GRI 2-5
