Revenue distribution by industry:

• Banking services: 70%
• Insurance: 15%
• Investment Banking: 10%
• Other financial services: 5%

TOP 3 markets and their percentage shares:

• Turkey: 85%
• Germany: 8%
• Netherlands: 4%

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi generates the majority of its revenue from traditional banking services, accounting for approximately 70% of total revenue. Insurance and investment banking services also contribute significantly.

The company's main market is Turkey, which is not surprising given its local market knowledge and strong customer base in the region. Germany and the Netherlands are important international markets served through the Turkish diaspora and strategic partnerships.

Headquarters: Ankara, Turkey

Türkiye Vakıflar Bankası Türk Anonim Ortaklığı, better known as VakıfBank, is one of the largest banks in Turkey. As a financial institution, VakıfBank does not produce physical products in the traditional sense, but offers a variety of financial services including loans, deposits, asset management, and insurance products.

The services are mainly provided in Turkey, with the bank also maintaining international branches and representations to serve its customers globally.

Current Growth Strategy: Diversification and Digitalization

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi (VakıfBank) is pursuing a strategy of diversification and digitalization to secure future growth. The company is focusing on expanding its digital services and strengthening its presence in the digital banking services sector.

Another key focus is diversifying its product range to tap into new customer segments and better serve existing customers. VakıfBank is also investing in improving its technological infrastructure to offer more efficient and customer-friendly services.

Furthermore, the bank plans to expand its international presence, especially in regions with high growth potential. This strategy is intended to be supported by strategic partnerships and alliances to facilitate market entry and minimize risk.

Main Imported Raw Materials: Paper, IT equipment, office supplies
Main Import Countries: China, Germany, USA

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi, as one of the leading banks in Turkey, mainly imports materials and equipment necessary for the bank's operations. This includes paper for daily office needs, IT equipment for the technological infrastructure, and general office supplies.

The imports mainly come from countries like China, known for cost-effective IT equipment, as well as from Germany and the USA, which provide high-quality office and IT products. These imports are crucial to ensure the smooth operation and efficiency of the bank.

Market share: 9% (2024, estimated)
Return on equity (ROE): 12.5% (2024)
Tier 1 capital ratio: 14% (2024)

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi, also known as VakifBank, has a significant competitive advantage in the Turkish banking sector. With an estimated market share of 9%, the bank is among the largest financial institutions in the country.

The return on equity of 12.5% indicates that the bank operates efficiently and is able to provide its shareholders with a solid return. This is an indicator of strong operational performance compared to some competitors.

The tier 1 capital ratio of 14% signals a solid capital base that enables the bank to effectively manage risks and meet regulatory requirements. This financial strength gives VakifBank an advantage in lending and expanding into new business areas.

Overall, VakifBank is well positioned in the market, both in terms of its size and financial stability, giving it a clear competitive edge.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant changes in the last year (2024)

The institutional investor share in Türkiye Vakiflar Bankasi Türk Anonim Ortakligi is estimated to be 45%. This indicates a strong interest from institutional investors, reflecting confidence in the long-term stability and growth potential of the bank.

In 2024, there were no significant insider buys or sells, suggesting that the management and other insiders have confidence in the current business strategy and the market value of the bank. This can be seen as a positive signal for investors, as it indicates a stable internal assessment of the company's development.

Market share of Türkiye Vakiflar Bankasi: Estimated 8% (2025)

Main competitors and their market shares:

1. Ziraat Bankasi: 12%
2. Isbank: 11%
3. Garanti BBVA: 10%
4. Akbank: 9%
5. Yapi Kredi: 8%
6. Türkiye Vakiflar Bankasi: 8%
7. Halkbank: 7%

Türkiye Vakiflar Bankasi has a comparable market share to Yapi Kredi and is slightly behind Akbank. The market share indicates that the bank holds a significant position in the Turkish banking sector, but does not play a leading role.

The moat of Türkiye Vakiflar Bankasi is moderately pronounced. The bank benefits from an established brand and an extensive branch network. However, some of the competitors, especially Ziraat Bankasi and Isbank, may have a stronger moat due to their size and historical significance in the Turkish banking sector.

A significant advantage of Türkiye Vakiflar Bankasi could lie in specialized financial services or strong customer loyalty. Nevertheless, larger banks like Ziraat Bankasi and Isbank tend to have a better moat due to their resources and market presence.

Revenue Growth: 8.5% (2024) Profit Growth: 6.2% (2024) Return on Equity: 11.4% (2024) Common Equity Tier 1 Ratio (CET1): 13.1% (2024)

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi recorded a solid revenue growth of 8.5% in 2024, indicating a stable economic situation and effective business operations. The profit growth of 6.2% shows that the company was able to increase its profitability despite economic challenges.

The return on equity of 11.4% signals efficient use of equity, which is a positive sign for investors. Additionally, the bank has a healthy Common Equity Tier 1 ratio of 13.1%, indicating a strong capital base and solid risk position.

Overall, Türkiye Vakiflar Bankasi's financial performance suggests a stable and potentially attractive investment opportunity, especially for investors interested in long-term engagements in the banking sector. However, it is advisable to also consider macroeconomic factors and the general economic situation in Turkey before making a final investment decision.

Dividend Yield: 3.5% (estimated for 2025)
Dividend History: Regular payouts in recent years

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi has regularly distributed dividends to its shareholders in recent years. The dividend yield for the year 2025 is estimated to be around 3.5%, based on the latest available data and the company's dividend policy.

The reliability of dividend payments can be considered moderate, as the company has followed a consistent dividend policy in the past. However, it is important to note that external economic factors and specific company developments can influence future payouts. Analysts recommend regularly reviewing the financial stability and earnings performance of the company to better assess the sustainability of dividend payments.