Hayat Finans Katilim Bankasi A.S. (Turkiye)

Hayat Finans Katilim Bankasi Anonim Sirketi is a participation bank established in 2022 under the Hayat Holding group, operating as a sharia compliant digital bank focused on interest free banking products and services. The bank's business model is structured around fully digital retail and SME banking, offering current and participation accounts, savings and investment products based on profit and loss sharing, personal and commercial financing facilities, payment services and debit and credit cards, delivered primarily through mobile and internet channels rather than a traditional branch network. Complementing retail banking, Hayat Finans provides corporate and commercial clients with cash management, trade finance, treasury and investment solutions that comply with participation banking principles, and supports foreign trade transactions through structured financing and correspondent banking relationships. With its head office in Istanbul and rapid balance sheet growth since incorporation, the bank positions itself as Turkiye's first fully digital participation bank, emphasising a low fee, transparent customer proposition and technology driven processes that aim to reduce operating costs and improve customer experience, while leveraging the financial strength and brand recognition of Hayat Holding to build trust and expand its presence in the Turkish participation banking market.