Board of Directors

Mehmet Usta – Chairman of the Board

Born in 1950, Mehmet Usta graduated from the Department of Economics and Finance at the Eskişehir Academy of Economic and Commercial Sciences. He has more than 35 years of banking experience. Following his service in Anadolu Bank between 1979 and 1987 as inspector and executive, he held various high-level executive positions in Emlak Bank both in Turkey and abroad between 1987 and 1994. Then, between 1994 until March 2007, he served at the Banque du Bosphore in Paris as CEO and Board member. In April 2008 he joined Aktif Bank as the Deputy Chairman of the Board of Directors. Since July 2009, Mr. Usta also acts as the Chairman of the Board of Directors at Banka Kombetare Tregtare, a subsidiary of Çalık Holding operating in Albania and Kosovo. He has been as  Member of Board  at the Brussels-based World Savings and Retail Banking Institute (WSBI) since May 2012 and acts as Chairman of the Board at Aktifbank subsidiaries UPT Ödeme Hizmetleri A.Ş. and  Sigortayeri Sigorta ve Reasürans Brokerlik A.Ş.


Seyhan Pencabligil –Vice Chairman of the Board

Mr. Seyhan Pencabligil, who holds an M.A. in General Management from Bosphorus University, Turkey (1998); an M.Sc. in Finance from Lancaster University, UK (1996); and a B.A. in Business Administration from Bosphorus University, Turkey (1991), is a senior banker, with many years of managerial experience. He has worked in different positions in Kentbank, such as Vice President for Deposits – Treasury and Senior Vice President – International Banking . He has been the Chief Executive Officer and Board Member of the National Commercial Bank (BKT) since October 2000 and a member of the Albanian Association of Banks’ Executive Committee since January 2005.


Mr. Galip Tözge – Board Member

Mr. Galip Tözge was born in 1967. He graduated from Marmara University’s Department of Economics (English) and received an MBA from the University of Missouri (USA). He commenced his banking career in 1993 at Citibank, and joined Akbank T.A.Ş. in 2002. He worked at Akbank and associated companies for 12 years serving in various senior management posts, including Assistant General Manager at Akbank, and Board Member at Ak Portföy Yönetimi A.Ş. and Ak Yatırım Menkul Değerler A.Ş. In 2015, he was appointed CEO at Aktif Bank and currently serves as President of the Banking Group at Çalık Holding. Mr. Tözge has joined the Board of Directors of BKT in February 2017.




Abdurrahman Balkız –Board Member

Mr. Balkız holds a degree in Business Administration from Çukurova University. Before joining BKT, Mr. Balkız was Head of the Internal Audit Council at Atlas Investment Bank, a Kentbank subsidiary, and Senior Internal Auditor and Compliance Officer at Kentbank. Prior to joining Kentbank, Mr. Balkız was an Assistant Internal Auditor at Arab-Turkish Bank.
Mr. Balkız has been part of BKT – Albania for 13 years, 6 years as Head of Internal Audit Group and the last 7 years Mr. Balkız headed the Operation Group. Since January 2014 is part of BKT – Kosovo as Country Manager. On April, 2018, Mr. Balkiz was appointed as Board Member of BKT Kosova J.S.C. 


Mrs. Ayşegül Adaca Oğan – Board Member

Born in 1974, Mrs. Ayşegül Adaca Oğan joined BKT as a Board Member on 25 October 2017. She holds B.Sc. degree in Civil Engineering from Bosphorus University, Turkey, and M.Sc. degree in Engineering Management from Stanford University, USA. Mrs. Oğan has 17 years of experience in retail banking, digital banking and payment systems. She took managerial responsibilities in three leading commercial banks of Turkey and had worked in consumer finance industry in USA. Before joining BKT’s board of directors, she was the EVP of Retail Banking in Aktif Bank, where she was responsible from overall retail banking practices, retail lending, digital banking, payment systems and corporate communications.



Suat Bakkal – CEO and Board Member

Mr. Suat Bakkal was born in 1980, Trabzon-Turkey; Mr. Bakkal completed both undergraduate & Graduate studies at Boğaziçi University and holds a Master Degree in Economics and Finance. He also has capital markets licenses on the fields of Derivative Financial Instruments, Corporate Governance, Credit Rating, Real Estate Appraisal and CFA3.

During his career, Mr. Suat Bakkal served as the Head of Corporate Marketing in Aktif Bank, as well as executive committee member of IFM Istanbul Financial Center J.S.C., board member and real estate investment funds committee member of Mukafat Asset & Portfolio Management Co., board member of Inovaban Innovation Consulting JSC, and also chairman of several energy production & investment SPV companies.

On April 2018, Mr. Bakkal was appointed CEO and Board Member of BKT Kosovë J.S.C.


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