ÖMER M. BAKTIR
Assistant General Manager for Marketing

Ömer Muzaffer Baktır graduated from İstanbul Technical University (Department for Mining Engineering). He joined Pamukbank in 1990, where he worked as an assistant inspector, inspector, service director and as a departmental manager. Having joined Halkbank in December 2004, Mr. Baktır was appointed as an Assistant General Manager on 14 June 2005 and he was responsible for Corporate Commercial Marketing, Corporate and SME Marketing, and Credit Allocation and Management respectively until March 2010. He then joined Cengiz Holding in March 2010 where he served as a CFO and Member of the Executive Committee until October 2011. Mr. Baktır has been serving at Ziraat Bank as Assistant General Manager for Marketing since November 2011.

MUSA ARDA
Assistant General Manager for Credit Allocation and Management

Musa Arda graduated from Çukurova University (Faculty of Economics and Administrative Sciences). He began his career at Pamukbank in 1994 as a financial analyst. He worked at the same bank as an analyst, a service manager in various units at the headquarters and a marketing director at Güneşli Corporate Branch between 1994 and 2004. He joined Halkbank in 2005 as a division manager at the Commercial Marketing Department before working as the head of the Financial Analysis Department, the head of the Department of Credit Policies and Project Evaluation, the head of the Department of Commercial Loans and, most recently, as the coordinator responsible for the İstanbul 2nd Region. He has been serving at Ziraat Bank as Assistant General Manager for Loan Allocation and Management since November 2011.

ALPASLAN ÇAKAR
Assistant General Manager for Retail Banking

Alpaslan Çakar graduated from Ankara University (Department of Public Administration, Faculty of Economics and Administrative Sciences). He joined Ziraat Bank in 1996 as an assistant inspector and later served as an inspector and branch manager. Mr. Çakar was appointed as the regional head manager in 2005. Promoted to the position of department head in August 2007, Mr. Çakar has served as the Assistant General Manager for Retail Banking and Assistant General Manager for Operational Transactions respectively. He has been serving as Assistant General Manager for Retail Banking since August 2014.

M. CENGİZ GÖĞEBAKAN
Assistant General Manager for Loan Policies

Mehmet Cengiz Göğebakan graduated from Ankara University (Department of Economics, Faculty of Political Sciences) in 1987. He began his career at Pamukbank as an assistant inspector in the same year. He served at the same bank between 1994 and 2004 as a manager of the Department of Firm Evaluation, Department of Credit Monitoring, Department of Credit Allocation, Department of Administrative Follow-up and Department of Credit Policies. He joined Halkbank on 17 November 2004 where he worked as an executive responsible for Retail Loans; he was promoted to the post of assistant general manager responsible for risk liquidation on 9 June 2005. He served as an assistant general manager for credit policies from 2007 to 2010 at the same bank. He worked at Anadolubank as an assistant general manager responsible for loans from May 2010 to October 2011. Mr. Göğebakan has been serving at Ziraat Bank as Assistant General Manager for Loan Policies since November 2011.

BİLGEHAN KURU
Assistant General Manager for Treasury and International Banking

Bilgehan Kuru graduated from the Middle East Technical University (Department of Mining Engineering). He studied for a master degree in finance at the Institute of Physical Sciences of the same university. He began his career as a foreign exchange clerk at Halkbank, where he worked from 1986 to 1988. He joined Pamukbank in 1988 as an assistant specialist before serving as a service director and manager of the Treasury Department at the same bank. He was appointed as the Head of the Department of Foreign Exchange and Money Markets at Halkbank in November 2004. Having held the position of Assistant General Manager for Retail Banking at Halkbank from June 2007 until July 2011, Mr. Kuru was appointed as Assistant General Manager for Treasury and Strategy Management at our Bank in July 2011 and he has been working as Assistant General Manager for Treasury and International Banking since August 2014.

OSMAN ARSLAN
Assistant General Manager for Information Technologies Management

Osman Arslan graduated from the Middle East Technical University (Faculty of Arts and Sciences, Department of Statistics) in 1995. He completed his MBA degree in the Faculty of Economic and Administrative Sciences at the same university from 2006 to 2008. Having worked at the Bank’s Banking School in 1995 and 1996, he functioned as a specialist at our Bank (1996-1998), as an assistant inspector at Sümerbank (1998-2000), as an inspector and assistant manager at Asya Katılım Bankası A.Ş. (2000-2004), as section head, division head and assistant general manager at Halkbank and as General Manager at Arab Turkish Bank (2004-2012). Currently holding the responsibility of the Chairman of the Board at A&T Bank, Mr. Arslan has begun to work for our Bank in March 2012 as Assistant General Manager for Financial Management. He has been serving as Assistant General Manager for International Banking and Joint Ventures since January 2013. Mr. Arslan has been serving as Assistant General Manager for Information Technologies Management since August 2014.

PEYAMİ ÖMER ÖZDİLEK
Assistant General Manager for Human Resources

Mr. Özdilek graduated from the Middle East Technical University, Department of Political Science and Public Administration. He has begun to work in our Bank in 1996 as the an assistant inspector, after working at the various positions of the staff, he has served respectively as London, Gayrettepe Branch Manager and Head of the Human Resources Department. Mr. Özdilek has been carrying out his office as Assistant General Manager for Human Resources since September 2013.

BÜLENT SUER
Assistant General Manager for Operational Transactions

Mr. Suer graduated from Ankara University, Faculty of Political Sciences, Department of the Labor Economy. He has begun to work in our Bank in 1991 as the Assistant Inspector at the Board of Inspectors. Thereafter having performed his offices as the Inspector, Branch Manager, Head of Department and Regional Head Manager, Mr. Suer has been proceeding his service as the Assistant General Manager for Operational Transactions since September 2013.

CEM İNAL
Assistant General Manager for Financial Coordination

Cem İnal graduated from Ankara University (Department of Finance, Faculty of Political Sciences). He joined Ziraat Bank in 1992 as an assistant inspector and served in a number of posts, as an inspector, branch manager, regional head manager and a departmental manager. Appointed as Assistant General Manager for Retail Banking in November 2011, Mr. İnal has been serving as Assistant General Manager for Financial Coordination since January 2013.

YÜKSEL CESUR
Assistant General Manager for Internal Systems

Yüksel Cesur graduated from Boğaziçi University, Faculty of Economics & Administrative Sciences. He has begun to work in our Bank in 1996 as an Assistant Inspector, and later on he has been appointed as the Inspector. He has performed his duty as the Head of Department of Training Section since 2005. Mr. Cesur who was appointed to the Department of Treasury Operations in 2007 has served thereafter as the Head of Agricultural Marketing Group. Mr. Cesur has been serving as Assistant General Manager for Internal Systems since April 2014.