Management Approach

The Asset-Liability Committee was formed by the bank in order to effectively and efficiently manage assets and liabilities. This committee’s operations are guided by the Bank’s vision, purpose, strategic objectives, and risk management policies and strategies. Furthermore, the corporation continues to operate while taking into account present and future economic trends, interest rates, maturity periods, and currency choices. The Committee made ten decisions in 2022.

The Audit Committee is in charge of overseeing the efficacy and competency of Development and Investment Bank of Türkiye’s internal systems on behalf of the Board of Directors. It is also responsible for ensuring that these systems work in line with accounting and reporting laws and regulations, as well as the integrity of the information produced. The Committee is mandated to convene at least once every three months, and in 2022, the Committee met 18 times and passed 66 resolutions.

The Credit Assessment Committee defines and develops lending standards in accordance with the overall goals and policies of Development and Investment Bank of Türkiye, while taking current market conditions into account. In addition, the Committee ensures and oversees the smooth flow of work, information, and documents throughout the Bank’s credit transaction units. The Committee monitors the Bank’s credit risk and the state of the loan portfolio, as well as analyzes, evaluates, and determines credit allocation choices.

Within the parameters established, the Committee is responsible for making decisions on things such as deferral, installment payments, and rearrangement of loan receivable terms and circumstances. Furthermore, it establishes the principles and procedures that govern the Bank’s credit policies, develops strategies in response to changing and developing conditions in order to increase the efficiency of the loan portfolio, and aims to take measures and make decisions involving problematic customers who are subject to legal scrutiny. Furthermore, the Committee discusses ideas offered by the various departments. The Committee met 52 times in 2022, making decisions on 195 proposals and issues and referring those that needed approval to the Bank’s Board of Directors.

The Corporate Governance Committee establishes the guidelines for Development and Investment Bank’s corporate governance policy and monitors compliance with those standards. Furthermore, it continues to conduct corporate governance reform studies and to make recommendations to the Board of Directors in this regard.

The Executive Committee was founded to discuss and implement issues involving the day-to-day management and operation of Development and Investment Bank of Türkiye. This committee is in charge of effectively managing the Bank’s operational activities, implementing strategic decisions, and accomplishing the Bank’s objectives. The Executive Committee is in charge of ensuring that the Bank’s day-to-day operations are effective, efficient, and compliant.

The Remuneration Committee was established to assess Development and Investment Bank’s remuneration policy and practices in terms of risk management and to provide recommendations to the Board of Directors in this regard. In 2022, the Committee met once and made one decision to present to the Board of Directors.

The Sustainability Committee was established in order to effectively create and integrate Development and Investment Bank’s sustainability strategy and policies. The Committee oversees the procedures of setting sustainability goals, developing policies, monitoring performance, and reporting. It also performs activities such as making strategic decisions that address environmental, social, and corporate governance issues, exploring creative solutions, and encouraging projects that promote sustainability. In 2022, the Committee met once and made two decisions.

The Business Continuity and Emergency Committee was established to create Development and Investment Bank of Türkiye’s business continuity management structure and to manage business continuity policies, plans, tests, and actions. The Committee is in charge for identifying potential risks, preparing emergency scenarios, founding business continuity policies, and assessing their implementation. It also supervises and coordinates actions such as emergency-related trainings, risk monitoring, and constant improvement.

The Disciplinary Board was established to make decisions on investigation files presented to Development and Investment Bank of Türkiye.

The Information Security Committee was established to review the implementation of and compliance with the Information Security Policy at Development and Investment Bank of Türkiye. This committee determines the Bank’s information security strategies, evaluates the effectiveness of security measures and monitors the implementation of relevant policies.

The Information Systems Strategy and Steering Committee was established to oversee the effective utilization of the Bank’s IS investments in accordance with the requirements of the Information Systems (IS) strategy plan and the alignment of the Bank’s business objectives and IS objectives. This committee determines the prioritization of IS investments and projects, monitors the status of ongoing IS projects, and ensures progress by resolving resource conflicts between projects. It also provides guidance to ensure regulatory compliance of the IS architecture and IS projects and monitors service levels for IS services. The Committee continues its work to guide the IS management in line with the IS strategy plan and to ensure the efficient utilization of IS investments.

The Human Resources Committee was established to carry out the workforce planning of Development and Investment Bank of Türkiye and to ensure the training and development of its employees. This committee determines the Bank’s human resources strategies, analyzes workforce needs, and manages appropriate recruitment and placement processes.

The Information Systems Continuity Committee was established to guide efforts to establish and keep the measures, plans, regulations and procedures to be taken up-to-date to ensure that Information Technology (IT) systems and applications function appropriately in situations that threaten the continuity of Development and Investment Bank of Türkiye’s corporate activities. This committee establishes the necessary conceptual framework to ensure the continuity of IT systems and manages continuity planning processes. It also directs activities such as determining business continuity measures, developing emergency scenarios, backing up the IT infrastructure and establishing recovery strategies. The Committee continues its efforts to take the necessary measures to ensure the uninterrupted continuity of the Bank’s activities and to achieve continuity targets.

The Turkish Financial Reporting Standards (TFRS 9) Committee was formed to provide governance and supervision of the TFRS 9 impairment calculation process at the highest level. This committee is responsible for ensuring objectivity and impartiality in the IFRS 9-compliant impairment calculation procedure.

The Procurement Committee was established to determine the procurement principles of Development and Investment Bank of Türkiye, to make the necessary changes and to direct and decide on the procedures and principles related to transactions such as purchase, sale, construction and leasing within the determined committee limit. This committee determines the Bank’s procurement policies and procedures, manages supplier selection processes and ensures that procurement activities are carried out effectively.

The Innovation and Business Development Committee was established to evaluate and implement new products, services, innovations and business development opportunities within Development and Investment Bank of Türkiye. The Committee determines the Bank’s innovation strategies, conducts market analysis, assesses customer needs and explores new business opportunities.

The Personal Data Protection Committee works to determine the principles regarding Development and Investment Bank of Türkiye’s Personal Data Protection Policy. At the same time, it monitors compliance with the Law on the Protection of Personal Data, carries out continuous improvement and corrective or preventive actions and makes recommendations to the Board of Directors. The PDP Committee ensures the Bank’s compliance with legal regulations on the security and confidentiality of personal data and ensures the effective protection of personal data.

The Information Sharing Committee coordinates the sharing of confidential information in accordance with the principle of proportionality within the scope of the Regulation on the Sharing of Confidential Information of Development and Investment Bank of Türkiye. The Committee evaluates and determines the compliance of incoming sharing requests and records these evaluations. In addition, it determines the necessary policies and procedures to ensure the security of the Bank’s confidential information and ensures that information sharing between the relevant units is carried out in a compliant and secure manner. The Information Sharing Committee plays an active role in the protection and sharing of confidential information.

The Financial Institutions Committee was established by Development and Investment Bank of Türkiye to set limits for transactions with financial institutions. This committee manages the Bank’s relations with financial institutions and determines the procedures and principles and takes decisions regarding transactions such as purchase and sale, leasing and construction with these institutions.

The Ethics Commission was established to provide advice and guidance to all employees of Development and Investment Bank of Türkiye regarding the problems they face regarding the principles of ethical behavior. The duty of the Commission is to support the establishment and development of an ethical culture and to evaluate ethical practices within the Bank.

The Ethics Commission works to establish and implement policies to ensure compliance with ethical standards. It also addresses ethical issues of personnel, organizes ethics training and takes various measures to ensure the spread of ethical culture. The Ethics Commission aims to ensure that the Bank operates in accordance with ethical values and to encourage ethical behavior of employees.

The Strategic Steering Committee was established to determine the future outlook of Development and Investment Bank of Türkiye and to evaluate its strategic goals. The Committee also aims to support change and transformation processes to increase collaboration among the Bank’s departments and ensure institutionalization.

While evaluating these synergy efforts, it ensures the creation of a culture within the Bank and the preparation of strategic business plans and the coordination of the process. The Strategic Steering Committee also evaluates the Bank’s overall performance and provides guidance to ensure that performance targets are achieved. Therefore, it determines the Bank’s long-term strategies and supports the Bank in achieving sustainable growth and success.