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Board of Directors

To help build individual and commercial financial plans that will catalyze Turkey's success

Ömer A. Aras


Dr. Aras graduated  from the Academy of Economic and Commercial Sciences, Department of Economics, in 1975. He received an MBA in 1978 and a PhD in Business Administration in 1981 from Syracuse University. Over the next three years, he was a faculty member at the Business Administration Department of Ohio State University, and worked as a consultant. Between 1984 and 1987, he served as Credit Marketing Manager and Credit Committee Member at Citibank, and worked as the Head of Yapı Kredi Securities. Dr. Aras participated in the founding of Finansbank A.Ş in 1987, and served as Assistant General Manager for two years and as General Manager for six years and as an Executive Board Member of Finansbank A.Ş and Vice Chairman of Fiba Holding from 1989 to 2006. Between 2003 and 2007 he held the Board Member position in TUSIAD (Turkish Industrialists' Businessmen's Association). Mr. Aras served as Vice Chairman of Finansbank A.Ş. and Group CEO of Finansbank A.Ş Group of Financial Companies (FinansLeasing, QNB Finansinvest and QNB Finans Asset Management) between 2006 (November) - 2010 (April). Dr. Aras was appointed as Chairman in April 2010.

Sinan Şahinbaş

Vice Chairman

Mr. Şahinbaş graduated from TED Ankara College in 1984, and from Istanbul Technical University, Engineering Faculty in 1988. He completed his graduate degree in Civil Engineering at George Washington University. He then received Masters degrees in International Relations from Istanbul University and in Finance from Yeditepe University. He began his professional career at Finansbank in 1990. He worked in Treasury, Corporate Banking and Credit Departments till 1997. In 1997 he worked for the foundation of representative offices of Finansbank (Suisse) SA ve Finansbank (Holland) NV in Turkey. He was transfered to Garanti Bank in 1997 as Department Head in charge of the design of a risk management system for new subsidiaries, in the same year Mr. Şahinbaş was promoted to Executive Vice President of Garanti Bank (Holland) N.V. After a year, Mr. Şahinbaş moved back to Finansbank (Holland) N.V. and became General Manager in 1999. In 2001, Mr. Şahinbaş became Senior Executive Vice President at Finansbank A.Ş and was promoted as General Manager in October 2003. After serving as General Manager for 7 years, Mr. Şahinbaş became Vice Chairman in April 2010.

Adel Ali M.A. Al-Malki

Member of the Board of Directors

Mr. Al-Malki holds a bachelor’s degree in Computer Information Technology from Qatar University in 2001. (Doha, Qatar) He started his carreer in QNB in 2003. He served various positions since 2003 at QNB. He served as a System Analyst between 2003 and 2005 following that he also serves as an Executive Manager Develepment & User Services and Assistant General Manager Development & User Services between 2007 and 2010. Mr. Al-Malki has been a General Manager Group Information Technology of QNB since 2010. As of May 2019, he serves as a Member of the Board of Directors of QNB.

Yousef Mahmood Hussain Naama Al-Neama

Member of the Board of Directors

Mr. Al-Neama received his bachelor of science degree in Aviation Management from Florida Institute of Technology in 1989. He is also has a diploma in Business Administration from Glamorgan University (Wales) in 2004. Prior to joining QNB, Mr. Al-Neama worked as an Executive Manager International & Institutional Banking in Doha Bank between 2003 and 2004. After he joined QNB in 2005, he served as various posions at QNB such as Executive Manager in Corporate Products Marketing, Executive Manager in International Banking. Following his duties, he was appointed as a CEO of QNB Syria between 2010 and 2011. In 2013, he served as a General Manager of International Business division through the year. Mr. Al-Neama served as a General Manager of Group Corporate and Institutional Banking at QNB between 2014 and 2019. He is currently the Executive General Manager of Group Chief Business Officer at QNB. As of May 2019, he serves as a Member of the Board of Directors of QNB.

Ramzi Talat A Mari

Member of the Board of Directors

He joined QNB in 1997 from Jordan Bank and is the current General Manager and Chief Financial Officer. He completed the Certified Public Accountant Examination from the State of California, USA and holds Master's Degree in Accounting from USA. Currently, he is a board member at Housing Bank for Trade and Finance (Jordan), QNB ALAHLI S.A.E. (Egypt), QNB Capital LLC, Qatar International Holding LLC.

Noor Mohammad Al-Naimi

Member of the Board of Directors

She joined QNB in 2000. Held various positions in the Treasury Operations and Control Division until becoming Assistant General Manager Treasury Operations Trading & Investment. 
On 2014 she was appointed as Acting General Manager Group Treasury. She had a bachelor's degree from Qatar University from Business Administration.

Fatma A Al-Suwaidi

Member of the Board of Directors

Ms. Fatma Abdulla Al-Suwaidi joined QNB in 2000 and, with over 20 years of banking experience, she currently serves as its Group Chief Risk Officer, having previously been Head of Credit Administration (2012-2013) and Assistant General Manager - Group Credit (2013-2018). In addition, Ms. Al-Suwaidi is currently the President Commissioner of QNB Indonesia.

Ms. Fatma Abdulla Al-Suwaidi has a BSc in Accounting, a Master's Degree in Business Administration (Qatar University) and MSc in Risk Management (University of New York), and a Juris Doctor Degree (Hamad Bin Khalifa University). She holds a particular interest in banking innovation and is in the advanced stages of completing a Doctorate in Business Administration from Grenoble University, France, on the subject of "Innovation in Banking and Financial Market", focusing on crypto currencies.

Ali Teoman Kerman

Member of the Board of Directors and Chairman of Audit Committee

Mr. Kerman received his graduate degree in Economics from University of Hacettepe in 1980 and post graduate degree in Project Planning and National Development from University of Bradford, UK, in 1982. He began his career at the Turkish Treasury Undersecretariat where he held several positions, including General Manager and Deputy Undersecretary. During his career at the Undersecretariat of Treasury, he served as Deputy Economic and Commercial Counsellor  at  Washington Embassy and Acting Executive Director of Asian Development Bank, Philippines, for three years in each position. In 1997, he resigned from Treasury Undersecretariat and was appointed as a Deputy Director of Turkish Eximbank. Same year, he returned back to the Treasury as Director General for Insurance. In 2000, he was appointed as the Vice President of the newly established Banking Regulation and Supervision Agency (BRSA). He also served as a Board Member of Savings Deposit Insurance Fund (SDIF). After having served in both positions for three years, he was appointed as Advisor to BRSA Chairman in 2004. He also served as Chairman of the Board in Toprak, Generali and Ege Insurance  Companies on behalf of SDIF. Mr. Kerman retired in 2005 and set up KDM Financial Consultancy Company. He also served as CFO of Yapkim Yavuzlar Plastik A.Ş. for five years until 2014. He has been board member of Finansbank A.S. since April 2013. Finally, Mr. Kerman was appointed as Chairman of Finansbank A.Ş Audit Committee in May 2014.

Durmuş Ali Kuzu

Member of the Board of Directors

Mr. Kuzu has bachelor's degree in Business Management at Ankara University in 1996. After receiving an MBA degree in 2008 from University of Illinois at Urbana-Champaign, he earned his PhD degree in Accounting and Finance from Baskent University. He has a CPA and an Independent Auditor Certificate. During this period, he worked at many national and international committees, attended various seminars and conferences and published many articles. He began his professional career in Vakıfbank, 1996 as a loan analyst and then worked in Türkiye Emlak Bankası as an internal auditor in 1997-1999. Between 1999 and 2016, he worked in different positions, including Vice Presidency and managerial positions, at the Undersecretariat of the Treasury, Public Oversight Accounting And Auditing Standards Authority, and Banking Regulation And Supervision Agency (BRSA). In August 2016 he was appointed Member of the Board and Member of Audit Committee at QNB Finansbank.

Osman Reha Yolalan

Member of the Board of Directors

He works at Tekfen Holding as Vice President in charge of Corporate Affairs since 2006. He studied industrial engineering at Istanbul Technical University and holds a Master's degree from Bogaziçi University in Industrial Engineering. and a PhD Degree in Management Sciences from  Laval University, Quebec-Canada. He started his career as a specialist at Yapı Kredi in Strategic Planning Department. He worked as Head of Corporate and Economic Research Department between 1994-2000 and as executive vice president in charge of Financial Analysis and Credit Risk Management between 2000-2004. He was appointed as CEO of Yapi Kredi and member of the Board of Directors between 2004-2005. He has been a part-time professor at a number of universities in Turkey and has authored a number of journals in the field of bank management. 

Temel Güzeloğlu

Member of the Board of Directors and CEO

Born in 1969, Mr. Guzeloglu has BSc degrees from the Electrical and Electronics Engineering; and Physics Departments of the Bosphorus University. Guzeloglu was later entitled to an MSc degree from Northeastern University, Electrical and Computer Engineering and an MBA from Bilgi University. Guzeloglu worked as the Executive Vice President of Finansbank A.S responsible for Consumer Banking till August 2008. He then served as Executive Vice President responsible for Retail Banking and Member of Management Committee of Finansbank A.S until April 2010. Mr. Guzeloglu was appointed to his current role in April 2010. Before joining Finansbank A.S Guzeloglu worked in McKinsey & Co., Citibank and Unilever in various positions.


Adnan Menderes Yayla

Executive Vice President, Financial Control and Planning

Born in Ankara in 1963, Yayla graduated from the Economics Department of the Faculty of Political Science of the Ankara University in 1985. He did his MBA at the University of Illinois at Urbana-Champaign from 1992-1994. He worked for the Ministry of Finance as an Assistant Auditor and Auditor from 1985-1995; for the Privatization Administration as a Project Valuation Division Chief from 1995-1996; for Price Waterhouse Coopers as a Manager, a Senior Manager, and a Partner in their Istanbul and London offices from 1996-2000; and for the Türk Dış Ticaret Bankası (Fortis) as the Executive Vice President in charge of the Financial Comptrolling Group and Risk Management from 2000-2008. He joined Finansbank A.Ş  on 20 May 2008 as an Executive Vice President and the Group CFO. He has been a Member of Management Committee of Finansbank A.Ş and the Group CFO since August 2008. As of October 2013, he holds the title of Vice General Manager for Financial Control and Planning, as well as Group CFO.

Ahmet Erzengin

Head of Internal Control and Compliance

Mr. Erzengin received his bachelor’s degree at the Public Administration Department of the Middle East Technical University. He worked for the Pamukbank from 1988 to 1993. He joined QNB Finansbank A.Ş. as the Regulations Manager in 1993. In 1996, he was appointed the Head of the Operations Group to manage the operations of the branches and the headquarters. He served as the Head of Operations in operations center from the establishment of the operation center in 2001 to the end of 2005. In early 2006, he supervised the establishment of the Compliance Division and he served as the Head of Compliance until September 2012.  By that date he took also the responsibility of Internal Control Department and Mr. Erzengin has been working as the Head of Internal Control and Compliance Division ever since.

Ali Yılmaz

Chief Legal Officer-Executive Vice President

Yılmaz graduated from İstanbul University Law School. Active in business since 1996, Yılmaz received his finance education at University of Toronto in 2000. With an MBA from Koç University, he started his banking career at Dışbank in 2002. He served as Director of Legal Affairs at Fortisbank A.Ş. and as a member of the Board and Legal Counsel at Societe Generale Turkey. Yılmaz joined QNB Finansbank A.Ş in 2016 and has been acting as Chief Legal Counsel since May 2018.

Burçin Dündar Tüzün

Executive Vice President, Corporate and Commercial Credits

Tüzün completed her undergraduate study in Civil Engineering at the Engineering Faculty, Middle East Technical University in 1997 and her Master’s in business administration at Bilkent University Business Administration Faculty in 1999. She started her banking career as assistant auditor at Finansbank A.Ş. Internal Audit Department in 1999, joined Corporate Credits Allocation Department in 2005 and served as corporate credits manager, division manager and department manager. She was appointed Corporate and Commercial Credits Director responsible for Corporate, Commercial and Structured Finance Credits Allocation in 2016. Tüzün additionally took Credits Monitoring and Financial Institutions Credits Management responsibility in 2018. She has been appointed as Corporate and Commercial Credits Executive Vice President since December 2019.

Cenk Akıncılar

Executive Vice President, Human Resources

Born in 1973, Akıncılar graduated from the Mathematics Department of the Faculty of Science and Literature at Eskişehir Anadolu/Osmangazi University in 1996. He served as a mathematics teacher for 3 months. He worked as the Senior Officer responsible for Salary and Industrial Relations at Human Resources Department of Pamukbank between 1998 and May 2003. He joined QNB Finansbank in May 2003. He worked as Human Resources Assistant Manager responsible for Recruitment, System Development and Projects; manager of the Organizational Development, Performance, Strategic Reporting and Revenue Management, Employee Rights and Systemic Authorization Management, then became division manager of Human Resources Management Systems and Revenue Management, Employee Rights and Systemic Authorization Management Department. Akıncılar was assigned as the Director of Human Resources in July 2018, and has been appointed as Human Resources Executive Vice President since January 2019.

Cumhur Türkmen

Executive Vice President,

Born in 1976, Türkmen graduated from the Mathematics Engineering Department of Yıldız Technical University. He began his career in 1997 as a Software Engineer in Sabancı Holding. He joined QNB Finansbank in 2000 and worked as a Software Engineer and Project/Portfolio Manager at IBTECH A.Ş, a technology subsidiary of QNB Finansbank until 2010. He became the manager of Business Development and Strategy Office of QNB Finansbank in 2010, Group Manager of CEO Office in 2012 and Director of Digital Banking at in 2015. Being one of the founding executives of, Cumhur Türkmen continues his role as Executive Vice President in since July 2018.

Derya Düner

Executive Vice President, QNBEYOND-Innovation and Entrepreneurship

Born in 1980, Düner graduated from the School of Engineering at Bogazici University with a Bachelor of Science degree in Industrial Engineering. Between the years 2003 – 2006 at Mercedes Benz and between 2006 – 2007 at Pfizer, she undertook several positions in the fields of marketing, project management and strategy. In 2007, she joined QNB Finansbank as a Manager in Retail Banking. Following various responsibilities, she acted as one of the founding executives of throughout its set-up. After’s launch in 2012, she worked as the Director of Customer Management. In 2015, in addition to her existing responsibilities, she launched and ran the Customer Experience Management Office of QNB Finansbank. In January 2018, she founded QNBEYOND, the Innovation Department, and ran the department as the Director responsible for innovation. Düner continues her role as the Executive Vice President at QNBEYOND since January 2020.

Engin Turhan

Executive Vice President, Commercial Banking and Project Finance 

Born in 1980, Turhan began his banking career in the MT program at Finansbank A.Ş. He worked in various sections in Loans Department. Following that, he went onto Project Finance and worked in specialist and managerial positions in Project Monitoring, Project Appraisal, Corporate Finance and Syndicated Loans. In 2012 he was appointed Corporate Banking Structured Finance and Syndicated Loans Group Manager. In 2014 he took over Derivative Products Sales and was appointed Director. Commercial Banking was added to his current duties and as of June 2016 he was assigned as Executive Vice President in charge of Commercial Banking and Project Finance. Turhan received his undergraduate degree in Economics  at School of Economics and Administrative Sciences,  Marmara University and obtained his master's degree in International Political Economy and Management.

Enis Kurtoğlu

Executive Vice President, Retail and Private Banking

He has BA degree from Electrical and Electronics Engineering Department of Bogazici University and completed his MBA in University of London. He was the Marketing Director in Citibank Turkey between 1999-2002 and worked in several managerial positions in Citibank London between 2002-2006. During 2006-2010 he was the director of Marketing Unit of Citibank Turkey . He then joined Finansbank A.Ş Retail Banking Department as a Group Manager in 2010. He worked as the Director of Retail Banking and Direct Sales  between 2012-2014 and recently appointed as the Executive Vice President of Retail Banking.

Erkin Aydın

Executive Vice President, Retail Banking and SME Banking

Erkin Aydın graduated from the School of Engineering of Bogazici University with a Bachelor of Science degree in Civil Engineering and received his MBA degree from the University of Michigan Business School. Starting his career in the US, he undertook Business Development Associate Project Engineer and Project Manager roles in various projects. In 2002, he joined McKinsey & Company in Istanbul where he consulted to various Turkish and global financial institutions in the fields of strategy, marketing and mergers and acquisitions. He started working for Finansbank A.Ş in 2008 as a Group Manager in Mortgage and Consumer Loans. He was appointed as Retail Marketing Coordinator in February 2010 and as Executive Vice President of Consumer Banking in May 2011. Following various responsibilities, in September 2017, Erkin Aydın has been named as as the Executive Vice President of Retail Banking and SME Banking.

Ersin Emir

Head of Internal Audit

Born in Eskişehir in 1971, Mr. Emir graduated from Middle East Technical University, Department of Business Administration, in 1994. He received his master's degree in Organizational Psychology at the University of London in 2010. He started his banking career in 1995 at İşbank as an Assistant Auditor. Mr. Emir then started to work at the Internal Audit Department of Finansbank A.Ş as an Auditor in 1998 and was appointed as the Deputy CAE in 2004. He was in charge of the Head Office and Subsidiary Audits in the past two years, after which he was appointed as the Chief Audit Executive in March 2011.

Köksal Çoban

Executive Vice President, Treasury

1967-born Çoban received his BA from the Business Administration Department of the Middle East Technical University, Ankara, Turkey in 1990. Receiving a master's degree in finance from the City University, Çoban worked for Türk Eximbank and Demirbank A.Ş. between 1995 and 1997. Appointed the International Markets Director with Finansbank A.Ş the same year, he served as Finansbank A.Ş's International Markets Group Chief from 1998-2000. Assuming a number of managerial posts in the Treasury Department thereafter, Çoban has been the Finansbank A.Ş Executive Vice President in charge of Treasury since August 2008.

Mehmet Kürşad Demirkol

Executive Vice President, Information Technologies, Operation, Channels & Business Development

Mr. Demirkol was born in 1973. He graduated from the Bilkent University, Department of Electrical and Electronics Engineering in 1995 with ranking 1st among the graduates.  He received his M.Sc. and Ph. D. degrees from Stanford University. He worked as Associate Application Engineer at Oracle - Redwood from 1996 till 1997 and Research Assistant at the Stanford University from 1997 till 1999. He served as Senior Associate at the Atlanta and İstanbul offices of McKinsey&Company between 1999 and 2003. He worked in the Business Development and Strategy Department at Finansbank A.Ş between 2004 and 2005 and worked as VP of IT and Card Operations at Finansbank Russia in 2005. He served as Business Development and Marketing Director at Memorial Healthcare Group from 2005 till 2007.In 2007, he became the head of Information Technologies at Vakıfbank and was assigned as Chief Information Officer and additionally became the Chief Operation Officer in 2008. Mr. Demirkol has been working as Executive Vice President in charge of Information Technologies, Operation, Channels & Business Development at Finansbank A.Ş since August, 2010.

Murat Koraş

Executive Vice President, Payment Systems

He was graduated from Industrial Engineering Department of Bogazici University in 1999 and completed his MBA in Ozyegin University. He was assigned as a specialist in Finansbank A.Ş between 1999 and 2001. In 2004, he was assigned as Assistant Manager in Aviva. As of September 2004, he took the tasks of Strategy Office Assistant Manager, Data Mining Assistant Manager, Analytic Marketing Vice President and Portfolio Management and Analytics Senior Vice President in Finansbank A.Ş until 2012. Koraş took the Consumer Payment Systems Director task between 2012 and 2015 and as of May 2015, he works as Payment Systems Executive Vice President in Finansbank A.Ş.

Ömür Tan

Executive Vice President, Corporate and and Commercial Banking

Born in 1971, Ömür Tan graduated from Ankara Atatürk Anadolu College. He completed his undergraduate study at the Statistical Department of Hacettepe University and MBA Degree at Bilgi University. Tan began to work at Yapı Kredi Bankası as a Management Trainee in 1995 and joined Finansbank A.Ş in 1998. After taking various roles in Corporate Branches, he was assigned as Corporate Branch Manager, Head Office Key Account Senior Vice President and then, Corporate Banking Senior Vice President. As of 2011, he acts as the Vice General Manager for Corporate and Commercial Banking, together with the functions of Project Finance and Cash Management and Foreign Trade Financing.

Zeynep Aydın Demirkıran

Head of Risk Management

A graduate of Ankara Atatürk Anatolian High School, Demirkıran completed her undergraduate study at the Economy Department of Bilkent University and master's degree in Economics at Georgetown University, Washington D.C. She lectured at Georgetown University until December 1998, after that she worked as a specialist at the Risk Management Department of Turkiye İş Bankası, between 1999-2002. She joined Finansbank A.Ş in 2002 and assumed positions as Senior Risk Manager and Coordinator of the Basel II Program. In September 2011, she was promoted to Head of Risk Management and has held this position since.

Zeynep Kulalar

Executive Vice President, Corporate Banking

Zeynep Kulalar was born in 1971 and she was graduated from METU Faculty of Economics and Administrative Sciences Department of Business Administration in 1994. She served as Portfolio Assistant Manager in Yapı Kredi Bank between September 1994 and December 2002 and served as Corporate Portfolio Assistant Manager in MNG Bank between January 2003 and July 2005. She joined QNB Finansbank as Corporate Marketing Team Assistant Manager in July 2005. She served respectively as Key Customer Vice President, Corporate Banking Sales and Marketing Vice President, Performance& Foreign Trade and Portfolio Management Senior Vice President,  Foreign Trade and Portfolio Management Division Manager and Corporate Banking Portfolio Management Division Manager. She was assigned as Corporate Banking Director in June 2016. She has been appointed as Corporate Banking Executive Vice President since December 2019.