Ali Temel - Turkiye Garanti Chief Credit Risk Officer

All Insiders . Turkey . 
Stock . Turkiye Garanti Bankasi . Stakeholders . Insider . Ali Temel
GARAN Stock  TRY 133.50  4.30  3.12%   

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 9 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.
Turkiye Garanti Bankasi 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

Return On Equity0.5
Return On Asset0.0543

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.
Ebru Edin, Investment Corp
Metin Kilic, VP Management
Handan Saygin, Investor Relations Manager
Ali Temel, Chief Credit Risk Officer
Fulya Goyenc, Sr Coordination
Recep Bastug, Vice General Manager - Commercial Banking
Osman Turgut, Head of Internal Audit
Avni Duren, Vice General Manager - Legal Services and Personal Risk Follow-Up
Aydin Guler, Vice General Manager of Finance and Accounting
Emre Ozbek, Head of Compliance

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.
Return On Equity0.5
Return On Asset0.0543
Profit Margin0.54 %
Operating Margin0.71 %
Current Valuation27.44 B
Shares Outstanding4.2 B
Shares Owned By Insiders85.97 %
Shares Owned By Institutions2.73 %
Price To Earning15.72 X
Price To Book0.86 X

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Other Information on Investing in Turkiye Stock

Turkiye Garanti financial ratios help investors to determine whether Turkiye Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Turkiye with respect to the benefits of owning Turkiye Garanti security.
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