We are in a period where global dynamics are rapidly being reshaped and banking is undergoing major changes. While digitalization, technology, and sustainability are emerging as the main themes of this new era, at Akbank, we place people at the very heart of the transformation. As much as we monitor how advanced our financial and technological power is, we also consider how we manage this power for the benefit of people and the future. This vision forms the basis of Akbank's financial strength and stable growth.
In 2025, we continued to create value for our stakeholders with our strong balance sheet and focus on sustainable profitability. By providing resources for the potential of tomorrow, we have reaffirmed our confidence in the future of Türkiye. The loan support we provided to the economy increased to a total of TL 2 trillion 467 billion with TL 1 trillion 921 billion in cash loans. Our deposits reached TL 2 trillion 173 billion, while our assets reached TL 3 trillion 559 billion. With our strong capital adequacy ratio of 19%, we continued to support the growth and development of the real sector. In 2025, Akbank reported a consolidated net profit of TL 57 billion 224 million, after TL 19 billion 525 million tax expenses.
Technology is one of the most important areas that makes our financial strength sustainable and lasting. One of the most significant reflections of Akbank’s distinctive technology vision this year has been the introduction of our Responsible Artificial Intelligence Manifesto. Our Manifesto outlines both our use of AI and the future we aim to create with it. The six guiding principles at its core; social benefit and sustainability, fairness, transparency, accountability, resilience and data privacy, establish a shared framework of values that defines Akbank’s approach to AI. In line with these principles, we address artificial intelligence within a framework that places people at its centre, aligns fully with ethical standards, and is shaped by a strong sense of long-term responsibility. Through this approach, we demonstrate our belief in and commitment to a banking approach that balances technological progress with prudence, addressing today’s needs while building trust for tomorrow.
Today, at Akbank, approximately 500 advanced analytics models and close to 100 cognitive models are actively deployed across our operations. From credit allocation and cash operations to customer segmentation and risk scoring, artificial intelligence solutions are firmly embedded at the core of our business processes. This capability enables us to complete credit rating assessments in an average of just 1.2 seconds, a level of speed and efficiency that reflects the maturity of our data and analytics infrastructure. At the same time, our Akbank-specific large language model, trained on billions of tokens, has transformed our document-processing capacity, with the ability to interpret even handwritten text. Over the past year, the number of documents processed through AI has increased by 75 per cent, while the volume of written requests handled without human intervention has reached 1.6 million per month. We are now transforming artificial intelligence from a system that only thinks into one that takes action. Through our Agentic AI approach, we are developing systems capable of autonomous decision-making, action planning and end-to-end process execution. With Agentic AI applications spanning from our People and Culture functions to our Customer Communication Centre, we are laying the foundations of autonomous banking.
Beyond enhancing the customer experience, artificial intelligence is also significantly amplifying the capabilities of our colleagues. Akbanklı Assistant, developed using generative AI technology, enables our employees to access information within seconds. It responds to more than 30,000 queries each month with an accuracy rate exceeding 90 per cent. As of 2025, our colleagues are also able to enrich the system with information repositories specific to their areas of expertise and create tailored assistants aligned to their respective functions. As a result, more than 20 teams across 35 distinct areas of specialisation are now able to operate with greater efficiency and agility, supported by AI-driven knowledge and insight.
Through artificial intelligence, we simplify complex processes, automate repetitive tasks and, most importantly, create time. We consciously reinvest that time in the most valuable domain of all: people. This enables us to develop a deeper understanding of our customers, analyse their needs with greater precision, and deliver genuinely bespoke financial roadmaps instead of standardised solutions. AI-supported analytics allow us to gain a holistic view of each customer’s lifecycle, expectations and long-term aspirations. In doing so, we move beyond transactional engagement towards a more individualised partnership, working with our customers in a truly one-to-one manner and building meaningful, enduring relationships grounded in insight and trust.
As a reflection of this approach, this year we launched an unprecedented chapter at Akbank through the ‘Joining Forces’ initiative. Working side by side with our leaders in branches, we experienced first-hand the pleasure of getting closer to our customers, collaborating shoulder to shoulder with colleagues, and creating value together. We welcomed customers alongside our branch teams, conducted joint visits, and elevated both the employee and customer experience to a new level. At every interaction and along every journey, we shaped the future of our people-centred banking vision. While artificial intelligence allowed us to see the whole picture, our people focus ensured that we interpreted it correctly. As a result of these efforts, Akbank was recognised as the “World’s Best Consumer Bank in Artificial Intelligence” by Global Finance at this year’s inaugural AI in Finance Awards.
At the heart of our determined and visionary AI initiatives which we have been pursuing since 2017 and which have brought us to today’s achievements, lies the strength of our technology. We see technology as a means to strengthen our connection with customers and foster closer relationships. In this respect, 2025 marked a new pinnacle in Akbank’s technological journey. Over the past five years, our technology investments exceeding USD 1 billion have transformed both our systems and the entire Bank. One of the most significant milestones of this transformation journey this year was the launch of our Başkent Data Center. Established in Ankara with an investment of USD 30 million, the centre has become a technological hub that serves in extraordinary circumstances as well as enhancing daily customer experience. It enables us to operate our core processes simultaneously from two separate locations and has tripled our Disaster Recovery Center capacity.
At Akbank, we believe that the value of every initiative we undertake is measured not only by its immediate financial impact but also by the contribution it makes to future generations. This perspective positions sustainability as a guiding principle that shapes our decision-making, operational practices, and long-term value creation. For us, sustainability is a holistic concept encompassing economic, environmental and social dimensions. This approach, which focuses on managing today effectively while also considering tomorrow, and aims to create lasting and measurable impact instead of short-term projects, forms an integral part of our strategy.
As part of our commitment to becoming a Net Zero Bank by 2050, we set emission reduction targets across four priority sectors, becoming the first deposit bank in the Turkish banking industry to announce such a strategy. In 2025, our focus was on enhancing our calculation methodology. Strategically, we maintained the scope of our targets while deepening our engagement within the priority sectors. To monitor progress and ensure alignment with our objectives, we launched the ‘Green Transformation Score’ initiative. With this initiative, we have integrated the green transformation scores of our credit portfolio customers, which fall within the scope of our 2030 targets, into the Board of Directors-level credit committee processes. Also in 2025, we subjected our credit portfolio emission targets, prepared in accordance with the PCAF (Partnership for Carbon Accounting Financials) methodology, to independent audit. External verification of our data demonstrates the accuracy of the commitments we make to our stakeholders, while underscoring our determination to align our Net Zero target-tracking performance with international best-practice standards. This comprehensive approach enables us to manage our own targets effectively, while acting as a trusted financial partner for customers seeking to set Net Zero targets, access climate-transition financing, and plan carbon-reduction investments, supporting them throughout their transformation journeys.
Türkiye is at a strategic crossroads in terms of regulatory compliance, energy transition, and the critical need for decarbonization in industry, as well as the integration of supply chains with global low-carbon markets. Within this framework, we can position the financial sector as the most fundamental catalyst and driving force behind this major transformation. In line with this vision, we at Akbank see the real opportunity in being a pioneer on this journey with our transformation-oriented financing models, sectoral decarbonization solutions, and digital infrastructure. We are taking our vision further by combining financing provision with ecosystem transformation via advisory frameworks that integrate knowledge, technology, and the right stakeholders, making green transition both scalable and standardised.
As a tangible outcome of this strategic approach, by the end of 2025 we had provided a total of TL 681 billion in sustainable financing. On the green finance side, we increased our volume by approximately 19 per cent compared with 2024.
With the implementation of the EU Carbon Border Adjustment Mechanism in 2026, transition financing and supply chain transformation are set to accelerate, particularly in high-carbon sectors. In Türkiye, the forthcoming adoption of TSRS and ISSB standards into legislation, the release of the Green Taxonomy draft, and the formalisation of a national emissions trading system under the Climate Law all signal that rapid developments in this area are imminent.
In light of these developments, at Akbank we do not regard Sustainable Finance as being confined solely to credit products. Instead, we have implemented a holistic ecosystem approach that combines financing with technical support, digital solutions, and capacity building. Accordingly, the sustainable finance products and services we offer are reinforced through strategic collaborations with international development finance institutions, technology providers, and sector stakeholders, ensuring that our solutions are both comprehensive and impactful.
We have implemented this holistic ecosystem approach with the same commitment across our own operations. As part of our Integrated Management System, the certification of all our locations with international accreditations has served as a clear demonstration of institutional ownership of this approach. The Akbank Data Centre achieving LEED Gold certification, and the Sabancı Center Akbank Tower attaining LEED CI Gold, have embedded our sustainability strategy at the very heart of our corporate culture and physical workspaces.
Furthermore, our performance in the climate and environment has received strong international recognition. We were awarded the highest grade of “A” by CDP in all three areas; Climate Change, Water Security, and Forestry, placing us among only a select few institutions worldwide to achieve this success.
At Akbank, we are not limiting our sustainability approach to financing solely to climate-focused projects; we are expanding it with inclusive solutions that extend from women entrepreneurs and SMEs to young people and the entrepreneurial ecosystem. Our products and services for women-owned SMEs, the support ecosystem we have created through the ‘Akbanklı Kadınlar Platform’, our digital insights to increase financial literacy, and the mentoring and investment support we offer to entrepreneurs are among the leading areas where we combine sustainable finance with social impact. Our collaborations with the United Nations within the "AI for Good" ecosystem are among the global reflections of our vision to combine the transformative power of technology with social benefit.
Another initiative we launched to advance Türkiye’s sustainable finance and green transition objectives regionally is the Sustainable Finance Ambassadors programme. To ensure that every Akbank employee takes an active role in accelerating Türkiye’s green transformation and to strengthen their competencies in the field of sustainable finance, we have appointed 19 Sustainable Finance Ambassadors in our 19 Regional Directorates. These ambassadors provide timely and high-quality responses to green transition requests in their regions, supporting companies in accessing green finance and helping translate our strategic vision into tangible local impact.
In 2025, we combined our capability to deliver innovative financial solutions with our focus on inclusivity and equality to issue the world’s first digitally issued, blockchain-based gender equality bond. Through this landmark initiative, we brought Akbank’s sustainability approach to global visibility.
On the social dimension, our people-centred sustainability approach prioritises delivering long-term, meaningful contributions to societal development. Through Transformation Holds the Future Project, one of the largest upcycling initiatives in Türkiye and Europe, we continue to generate value across education and environmental sustainability. In parallel, strategic social investments such as the Akbank Youth Academy and Good State of the City programmes empower young people to realise their potential, fostering the development of a more skilled, capable, and future-ready generation.
This approach entails a responsibility to enhance societal impact through culture and the arts, fostering human creativity, expression, and collective memory. In 2025, we celebrated the 35th edition of the Akbank Jazz Festival, cultivating a cultural platform that harnesses the unifying power of music and establishes enduring intergenerational connections. Simultaneously, we marked the 20th anniversary of Contemporary Istanbul as its principal partner. This platform, which has developed in partnership with Akbank for twenty years, has contributed to the strengthening of contemporary art in Türkiye and to the international visibility of Turkish contemporary art.
For Akbank, art represents a journey that gains meaning through continuity. We firmly believe that, like any endeavour that touches people, investment in the arts deepens with time and delivers enduring impact. Just as we are advancing our financial contribution to the economy with stability and continuity, we are determined to continue our support for the arts with the same long-term vision.
Navigating the present with an eye on the future requires courage, a courage we draw from our deep-rooted history and strong corporate culture. We also believe in the power of being an organization that is open to change, eager to learn, and constantly renewing itself.
Looking forward, we remain committed to further advancing our technology investments, refining our sustainable finance solutions, and deepening our people-centred approach. We express our heartfelt appreciation to all our stakeholders for their continued trust on this transformative journey.