Ali Temel - Turkiye Garanti Chief Credit Risk Officer

GARAN Stock  TRY 76.45  2.25  2.86%   

Executive

Mr. Ali Temel serves as Executive Vice President, Chief Credit Risk Officer of Turkey Garanti Bank Inc. since February 3, 2016. He earned his undergraduate degree from Bogazii University Department of ElectricElectronic Engineering and started his carrier in banking in 1990 at a private bank since 2016.
Age 55
Tenure 8 years
Phone90 212 318 18 18
Webhttps://www.garantibbva.com.tr
Temel joined Garanti Bank in 1997 and after working as the Senior Vice President in charge of Cash Management and Commercial Banking departments, he served as the Executive Vice President responsible of Commercial Banking between 19992001 and as the Executive Vice President responsible of Loans between 20012012. On December 10, 2015, Mr. Temel was appointed as the Chief Credit Risk Officer. Furthermore, Mr. Temel is Vice Chairman of Garanti Leasing and Garanti Factoring, Board Member of Garanti Bank SA and Board of Trustees Member of Teachers Academy Foundation. With 28 years of experience in banking and business administration, Mr. Temel’s areas of responsibility are Wholesale Risk, Retail Risk, Corporationrationrationrate Credits & Project Finance Restructuring, Commercial Credits Restructuring; Risk Planning, Monitoring and Reporting; Risk Analytics, Technology and Innovation; Regional Loans Coordination.

Turkiye Garanti Management Efficiency

The company has return on total asset (ROA) of 0.0543 % which means that it generated a profit of $0.0543 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 0.5013 %, meaning that it generated $0.5013 on every $100 dollars invested by stockholders. Turkiye Garanti's management efficiency ratios could be used to measure how well Turkiye Garanti manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 166.95 B in total debt. Debt can assist Turkiye Garanti until it has trouble settling it off, either with new capital or with free cash flow. So, Turkiye Garanti's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Turkiye Garanti Bankasi sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Turkiye to invest in growth at high rates of return. When we think about Turkiye Garanti's use of debt, we should always consider it together with cash and equity.

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Turkiye Garanti Bankasi A.S. provides various banking products and services. As of May 18, 2022, Turkiye Garanti Bankasi A.S. operates as a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A. GARANTI BANKASI operates under BanksRegional classification in Turkey and is traded on Istanbul Stock Exchange. It employs 20962 people. Turkiye Garanti Bankasi (GARAN) is traded on Istanbul Stock Exchange in Turkey and employs 21,659 people.

Management Performance

Turkiye Garanti Bankasi Leadership Team

Elected by the shareholders, the Turkiye Garanti's board of directors comprises two types of representatives: Turkiye Garanti inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Turkiye. The board's role is to monitor Turkiye Garanti's management team and ensure that shareholders' interests are well served. Turkiye Garanti's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Turkiye Garanti's outside directors are responsible for providing unbiased perspectives on the board's policies.
Handan Saygin, Investor Relations Manager
Adnan Memis, Vice General Manager - Support Services
Avni Duren, Vice General Manager - Legal Services and Personal Risk Follow-Up
Halil Erel, Vice General Manager - Operational Services and Central Planning
Alpaslan Ozbey, Executive Vice President GOSAS
Emre Ozbek, Head of Compliance
Aydin Guler, Vice General Manager of Finance and Accounting
Gokhan Erun, Vice General Manager - Human Resources, Treasury and Investment Banking
Ali Erbil, General Manager
Aydin Senel, Vice General Manager - Purchasing and Tax Management
Angel Fernandez, Member of the Board
Turgay Gonensin, Vice General Manager - Subsidiaries' Coordination
Betul Edin, Vice General Manager - Project Finance
Mahmut Akten, Executive Vice President Retail Banking
Rafael Lecea, Member of the Board of Directors
Selahattin Guldu, Executive Vice President - Commercial Banking
Fulya Goyenc, Sr Coordination
Eray Kaya, Executive Vice President GT
Ebru Edin, Investment Corp
Metin Kilic, VP Management
Suleyman Sozen, Vice Chairman of the Board
Ali Temel, Chief Credit Risk Officer
Ebru Knottnerus, Head of Risk Management
Manuel Aladro, Member of the Board
Jorge Carranza, Independent Member of the Board
Maria Lartitegui, Member of the Board
Erhan Adali, Vice General Manager - Loans
Ilker Kuruoz, Executive Vice President - Engineering and Data
Recep Bastug, Vice General Manager - Commercial Banking
Ricardo Barredo, Member of the Board of Directors
Jaime Pulido, Member of the Board
Belkis Yurdum, Independent Member of the Board
Sait Ozen, Member of the Board
Manuel Harguindey, Member of the Board
Sinem Ozonur, Manager, Strategy & Business Development
Cemal Onaran, Executive Vice President SME Banking
Isil Evlioglu, CEO, GOSAS
Ahmet Esirtgen, Executive Member of the Board
Baris Gulcan, Head of Internal Control
Faruk Karadere, Vice General Manager - SME Banking
Ferit Sahenk, Chairman of the Board
Semra Kuran, Director, Market Risk and Credit Risk Control
Didem Baser, Vice General Manager - Delivery Channels, Social Platforms
Osman Tuzun, Vice General Manager - Human Resources and Support Services, Consumer Affairs Coordinating Officer
Onur Genc, Vice General Manager - Retail Banking
Aydin Kucukkarakas, Chief Information Security Officer
Beyza Yapici, Director, Internal Capital and Operational Risk
Osman Turgut, Head of Internal Audit
Korcan Demircioglu, Senior Vice President of Anti-Fraud Monitoring Department
Muammer Sezgin, Independent Member of the Board
Javier Dionis, Member of the Board
Inigo Garate, Member of the Board

Turkiye Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Turkiye Garanti a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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Please note, there is a significant difference between Turkiye Garanti's value and its price as these two are different measures arrived at by different means. Investors typically determine if Turkiye Garanti is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Turkiye Garanti's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.