Akbank

The company follows a universal banking model, using a large deposit base to fund lending to retail, SME and corporate customers and capturing net interest margin as its core revenue source. Around this balance‑sheet business, it layers transactional and service offerings: consumer and business credit cards with rewards, merchant acquiring and POS for physical and online payments, and investment and brokerage services. Digital channels (mobile and internet) function as primary interfaces for onboarding, servicing and cross‑selling credit, card, investment and payment products, lowering distribution costs and deepening customer relationships. Value is created by providing secure payments, credit access, savings and investment options, and settlement infrastructure for merchants, integrated under one banking relationship.

Akbank is a large Turkish universal bank providing retail, SME and corporate banking, card issuing, merchant acquiring, digital banking and investment services. It operates nationwide with mobile and internet channels, consumer and business credit cards, loans, point‑of‑sale solutions and brokerage and fund products.

The bank earns income primarily from interest on loans versus deposits, along with fees and commissions on cards, payments, merchant acquiring, and investment services. Customers include retail consumers, small and medium‑sized enterprises, corporate clients and merchants that use its banking, card and POS products in Turkey.