Senior Management

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Metin Özdemir
Metin ÖZDEMİR
Chief Executive Officer

He graduated from İstanbul University, Faculty of Business Administration in 1990. Metin Özdemir started his professional life at Kuveyt-Türk Finans Kurumu A.Ş. in 1992 and continued his career as a manager in the retail sector since 1996.

Özdemir was on duty as a Member of İstanbul Metropolitan Municipality Council between 2004-2014. From April 2012 to May 27, 2019, he served as the Member of the Board of Directors, Member of Remuneration Committee and associate member of Credit Committee at Ziraat Bankası. Özdemir, who has been a member of Ziraat Katılım Bankası Board of Directors since February 18th, 2015, was appointed as the Chief Executive Officer of Ziraat Katılım Bankası A.Ş. on June 12th, 2017. Özdemir, who was on duty in Board of Directors and the Remuneration Committee of our Bank, has also been serving as the Chairman of the Credit Committee since July 25th, 2017. He also serves as the President of Banks Association of Turkey and as the Chairman of the Board of Directors of ADFIMI.

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Ertuğrul İSPAHA
Ertuğrul İSPAHA
Executive Vice President for Corporate Banking

He was born in 1968 in Adana. Completed his undergraduate studies at the Department of Labor Economics and Industrial Relations at the Faculty of Political Sciences at Ankara University in 1991.

He started his career in banking industry as an auditor at Egebank A.Ş. İn 1995. He served as Adana and Bursa Branch Manager in Family Finans Kurumu A.Ş. Between the years of 2001-2006. He joined Ziraat family in 2006 as Branch Manager of İzmir Corporate Branch in 2006, and served as Head of İzmir 1st Region, Assistant General Manager for Financial Analysis-Intelligence, Credit Monitoring and Tracking Gaziantep and Adana 2nd Regional Manager and Adana 1st Regional Manager, respectively. He has been serving as Executive Vice President for Corporate Banking of Ziraat Katılım Bankası A.Ş. since 01.04.2022.

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Osman Karakütük
Osman KARAKÜTÜK
Executive Vice President for Treasury Management and International Banking

He was born in Ankara in 1975. He graduated from Ankara University Faculty of Political Sciences in 1998. He completed his Master's Degree at Sakarya University. He served as a Civil Servant in General Directorate of Banking of the Central Bank of the Republic of Turkey between 1998-1999.

Having started his career as an Assistant Inspector at Ziraat Bank in 1999, Karakütük served as Inspector, Chief Inspector, Deputy Head of Board of Inspectors, Branch Manager, İzmir 1st Regional Manager, Head of Branch Operations Department, Head of Channel Management Department respectively. On 15.08.2017, he was appointed as Deputy General Manager for Financial Coordination and Human Resources of Ziraat Katılım Bankası A.Ş. as of 23.08.2017, he continues his duty as EVP for Treasury Management and International Banking at Ziraat Katılım Bankası A.Ş.

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Önder Kırman
Önder KIRMAN
Executive Vice President of Credits Allocation and Management

He was born in Afyonkarahisar in 1972. He graduated from Dokuz Eylül University, Faculty of Economics and Administrative Sciences, Department of Business Administration. He started his banking career at Ziraat Bank in 1999 as a Service Assistant. He served as Internal Controller between 2001-2008. Between 2008 and 2015, he worked as Agricultural, SME Commercial Marketing Director, Business Administration Department and Credits Allocation Manager.

He joined our Bank in May 2015 as the Head of the Operations Center Department. In April 2016, He was appointed as the Head of Corporate and Entrepreneurial Credits Allocation and Management 1 Department. He has been working as EVP of Credits Allocation and Management since 30.06.2021.

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Seher Elif Ekici
Seher ELİF EKİCİ
Executive Vice President for Credit Policies and Risk Liquidation

She was born in İstanbul in 1981. She graduated from Marmara University, Faculty of Business Administration, Department of Business Administration. She completed her associate degree from Anadolu University Faculty of Theology. She is doing her master's degree in Islamic Economics and Finance at Marmara University. She received the SMMM certificate in 2009. She started her professional career at KPMG Independent Audit firm in 2003.

She has served as auditor between 2003-2004 and started her banking career in 2005 in the Financial Control service of Anadolu Finans Kurumu, affiliated to the Financial Affairs Department. She took part in the merger studies of Anadolu Finans Kurumu and Family Finans Kurumu. Since 2007, she worked in the Risk Management Center of Türkiye Finans Katılım Bankası with the titles of Expert, Director and Manager, respectively, until 2015. She started to work as a Manager at Ziraat Bank on 03.02.2015 and took part in the establishment phase of Ziraat Katılım Bankası. On 23.06.2015, Ziraat Katılım Bankası A.Ş. She was appointed as the Head of Risk Management Department. As of 23.08.2017, She has been appointed as the Head of Credit Policy and Risk Liquidation Group, effective from 02.07.2021. She has been serving as Executive Vice President for Credit Policies and Risk Liquidation since 01.04.2022.

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Mustafa Kürşat Çetin
Mustafa Kürşad Çetin
Executive Vice President for Retail Banking

He was born in Yozgat in 1979. He graduated from Selcuk University, Faculty of Economics and Administrative Sciences, Department of Economics. He completed his master's degree in Istanbul University, Faculty of Social Sciences, Banking. He started his career at Türkiye Finans Katılım Bankası, Headquarters, Leasing Service in 2003.

Since 2005, he worked in different titles in Corporate Marketing at the Osmanbey, Beylikdüzü and İkitelli Branches of the same Bank in Istanbul. Between 2012 and 2015, He served as the Manager of Türkiye Finans Nişantaşı Branch. With the establishment of Ziraat Katılım Bankası in 2015, He continued to work as İkitelli Branch Manager. He worked as Head of Entrepreneurial Marketing Department in January 2016 and then Head of Corporate and Entrepreneurial Marketing 2 Department. He served as the Head of Branch Banking and Sales Management 2 Departments between 2019 and 2021. On January 13, 2022, Mr. Çetin was appointed as Retail Banking Group President. He has been serving as Executive Vice President in charge of Retail Banking since 29.09.2023.

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Suat Tüccar
Suat TÜCCAR
Head of Product Management and Digital Banking Group

He was born in 1974 in Istanbul. He graduated from Gazi University, Faculty of Economics and Administrative Sciences, Department of Public Administration. He started his career in 2000 by completing the Dışbank Commercial Marketing MT program. He worked as portfolio manager in Mercan, Bayrampaşa and European Corporate Branches in the same bank, respectively.

After the merger of Fortis and Türkiye Ekonomi Bankası, He worked as Bayrampaşa Mega Center and Güneşli Branch Manager and joined Ziraat Katılım Bankası A.Ş. on 02.05.2016. He started to work as a Service Manager at the Corporate and Entrepreneurial Marketing Department. He was appointed as Head of Human Resources Department on 23.03.2017. He served as the Head of Strategy Planning and Human Resources Group between 2021-2022. He has been appointed as the Head of Product Management and Digital Banking Group on 06.05.2022 and continues his duty .

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Arif Baştuğ
Arif BAŞTUĞ
Head of Strategy Planning and Human Resources Group

He was born in Aksaray in 1979. He graduated from Ankara University Faculty of Law. He started his banking career as a Service Assistant at Ziraat Bankası A.Ş. He served as Assistant Inspector, Inspector and Senior Inspector at Ziraat Bank's Board of Inspectors.

In 2011, he worked as a Department Manager in Ziraat Bank's Human Resources Department and later as a Department Head in the Education Department. In 2015, he served as the Head of the Human Resources and Organization Department during the establishment of Ziraat Participation Bank. He served as the Head of the Operations Center Department between 2016-2022. He has been appointed as the Head of Strategy Planning and Human Resources Group on 09.05.2022 and continues his duty

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Osman Çetiner
Osman Çetiner
Head of Internal Systems Group

He was born in 1973 in Antalya. He graduated from Uludag University, Faculty of Economics, Department of Finance. He received the SMMM certificate in 2005. In 2014, he gained the authority of Independent Auditor given by the Public Oversight Authority.

He started his banking career at Kuveyt Türk A.Ş. in 1999 as an Assistant Accounting Specialist in the Financial Affairs Service. He held various positions at Kuveyt Türk Bank for 16 years, 7 of which were Manager. He took part in Turkey's first lease certificate issuance, which was issued by Kuveyt Türk Bank in 2010. He took part in the establishment phase of Ziraat Participation Bank. He started to work as Head of Financial Coordination Department at Ziraat Katılım Bankası A.Ş. on 08.04.2015. He served as the Head of Internal Control and Compliance Department between 2017-2022. As of 09.05.2022 Ziraat Katılım Bankası A.Ş. He was appointed as the Head of Internal Systems Group and still continues his duty.

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Mehmet Said Gül
Mehmet Said GÜL
Executive Vice President for Information Systems and Operational Transactions

He was born in Kahramanmaraş in 1973. He graduated from Hacettepe University, Faculty of Engineering, Department of Computer Engineering in 1995. In 1997, he started his banking career as a software developer at Anadolu Finans Kurumu. After serving as a systems analyst and software development service manager, he resumed his position as Software Development Manager of Türkiye Finans Katılım Bankası A.Ş. in 2006.

He has worked as Information Systems Coordination Manager since 2009. In 2014, he took part in the establishment phase of Ziraat Katılım Bankası, and he served as a Consultant at Ziraat Bankası and as the Head of Information Technologies Department at Ziraat Katılım Bankası A.Ş. respectively. In 2015, he was appointed as Head of Information Technologies and Operational Transactions Group. As of 23.08.2017, he resumes his position as EVP for Information Systems and Operations at Ziraat Katılım Bankası A.Ş.