Board of Directors

M. Ömer A. Aras

Chairperson

Dr.Aras is the founding executive of QNB, which was established in 1987. He served as Assistant General Manager at the Bank until 1989, as General Manager (CEO) between 1989-1995, and as Executive Member of the Board of Directors between 1995-2006. He also served as Vice Chairperson of the Board of Directors at Fiba Holding, Member of the Board of Directors of QNB's subsidiaries in Switzerland, France, Netherlands, Romania and Russia, Chairperson of the Board of Directors of Marks & Spencer Türkiye, and Member of the Board of Directors of Gima. Following the acquisition of QNB by the National Bank of Greece (NBG) in 2006, Aras was appointed as the Vice Chairperson of the Board of Directors and Group CEO of the Bank. In 2008, he served as the Member responsible for International Affiliates (Serbia, Romania, Albania, Bulgaria, Macedonia) on NBG's Executive Board. Appointed as the Chairperson of the Board of Directors of QNB in 2010, Dr. Aras has been the Chairperson of the Board of Directors at QNB Sağlık Hayat ve Emeklilik A.Ş. since 2007. He has been serving as the Chairperson of the Board of Directors of the Bank since Qatar National Bank acquired QNB in 2016. Dr. Aras worked at Citibank Türkiye (1984-1987) and Yapı Kredi Bank (1987) before his duty at QNB . Aras served as a member of the TÜSİAD Board of Directors between 2003 and 2007, and is currently the President of the TÜSİAD High Advisory Council in addition to his memberships in the GBA Angel Investor Network, the Advisory Board of the Darüşşafaka Society, the Board of Trustees of the Boğaziçi University Foundation, and Bogazici University ECONFIN Honorary Board Member. He also serves as a Mentor for the Women on Board Association Türkiye (WOB Türkiye). Dr. Aras received his MBA (1978) and PhD (1981) from Syracuse University and worked as a faculty member at Ohio State University's Faculty of Business Administration for three years (1981-1984).

Yousef Mahmoud H. N. Al-Neama

Vice Chairperson of the Board of Directors

Al-Neama joined QNB in 2005 and currently serves as the Group Chief Business Officer. Before joining QNB Group, Al-Neama had 20 years of experience in financial institutions in various positions in finance and corporate banking in Qatar and abroad. He received a BS in Aviation Management from the Florida Institute of Technology in the United States and a diploma in Business Management from the University of Glamorgan, Wales. Al-Neama, who currently serves as Vice Chairperson of the Board of Directors at Iraq Bank Mansour and Jordan Housing Yousef Mahmoud Bank for Trade and Finance (HBTF), is also a Board Member at QNB Capital.
 

Adel Ali M. A. Al-Malki

Member of the Board of Directors

Al-Malki is Senior Vice President at QNB Group Retail Banking Division. He received his diploma in Computer Information Technology from Qatar University in 2001. He has more than 20 years of experience in the field of information technology and has held various executive positions in this field. He served as the General Manager of the Group's Information Technologies Department between 2010 and 2021, and as the Assistant General Manager of Development and User Services between 2009 and 2010. He also served as the Executive Manager of Development and User Services between 2007 and 2009. He managed several projects at the Bank and in Kuwait and served as an E-Business Manager between 2005-2007 and as a Systems Analyst between 2003-2005. Al-Malki started his career in the Information Systems Department at the Ministry of Interior of Qatar in 1998, and Al-Malki is also a board member in the Group’s subsidiaries, including, Al-Mansour Investment Bank in Iraq, in addition to his membership in the board of directors of Egypt’s QNB Al Ahli since October 2015.

Ramzi Talat A. Mari

Member of the Board of Directors

Mari joined QNB Group in 1997 after working at the Bank of Jordan. He currently serves as the Group Chief Financial Officer. With 30 years of experience in the banking sector, Mari is also a Board Member and Audit Committee Member at Housing Bank for Trade and Finance (Jordan), QNB , Board Member at QNB Capital LLC and Chairperson at Qatar International Holdings LLC (Luxembourg). Mari became a Certified Public Accountant in the State of California, USA in 1989, and he has an MA in Accounting from California State University.

Noor Mohd J. A. Al-Naimi

Member of the Board of Directors
Al-Naimi joined QNB Group in 2000 and has 23 years of banking experience. She received her BA in Business Administration from Qatar University in 1999. After working in various positions in the Treasury Operations and Control Departments, she served as a Assistant General Manager of Treasury Operations, Trading & Investment and was subsequently appointed as the General Manager responsible for Treasury of the QNB Group. Al-Naimi has attended various trainings, conferences, and local and international seminars such as legal aspects of banking, leadership skills for bankers, international cash and treasury management, clear stream, treasury documentation, and the IIF Future Leaders Program. Al- Naimi also completed the 2017-2018 Qatar Executive Leaders Program. She is a Member of the Board of Directors and Audit Committee at QNB.

Fatma Abdulla S. S. Al-Suwaidi

Member of the Board of Directors

Dr. Al-Suwaidi joined QNB in 2000, and with over 20 years’ experience in banking, she currently serves as the Group Chief Risk Officer, having previously been Assistant General Manager of Credit Risk Management. In addition, she is also President Commissioner of PT Bank QNB Indonesia Tbk. She has a BSc in Accounting, a Master’s Degree in Business Administration (Qatar University), a MSc in Risk Management (University of New York), a Juris Doctor Degree (Hamad Bin Khalifa University), and a Doctorate in Business Administration from Grenoble University France, on the subject of ‘Innovation in Banking and Financial Markets’, focusing on crypto currencies.

Yeşim Güra

Member of the Board of Directors

Güra has a BA from Boğaziçi University, Department of Business Administration, and an MBA from Indiana University Kelley School of Business, where she studied with a TEV scholarship. Güra started her career as a Financial Analyst at Procter & Gamble A.Ş. in 1991, where she took on important responsibilities in Sales Finance, Finance Group Manager at the same company and at Sanipak A.Ş., a joint venture of P&G and Eczacıbaşı, between 1995 and 1999. She then served as Corporate Finance and Financial Analysis - Budget Planning Director at P&G Tüketim from 1999 to 2004. Güra worked in senior management positions as Finance Director and as Business Unit Director at Danone Hayat İçecek ve Gıda Sanayi A.Ş. between 2004 and 2017, and after this, she served as a General Manager at Danone Hayat İçecek ve Gıda Sanayi A.Ş. for 8 years starting from 2009. Güra worked as General Manager at Altıparmak Gıda A.Ş. and at Draeger Medikal ve Korunma Teknolojileri respectively. Since 2020, she has been working as a Business Coach within the scope of the European Innovation Council and as an International Strategic Consultant in the Corporate Growth Program of the European Bank for Reconstruction and Development. She received a Risk Director certificate from a global institution in 2022. She takes part in various panels and organizations on Risk Governance. She is also an International Finance Corporation (IFC) nominated Board member at Acıbadem City Clinic BV, based in Holland; and in Türkiye, she is an Independent Board Member at Super Film, an affiliated company of Sanko Holding, and at Pınar Süt Mamulleri and Altın Yunus Cesme Tourism Company, two affiliated companies of Yasar Holding. She is also a member of the IU Kelley School of Business Global Dean's Council, a member of the DCRO (Directors and Chief Risk Officers) Institute and a Board Member of the Board of Directors Association.

Saleh Nofal

Member of the Board of Directors

Nofal joined QNB Group in 2003 and served as the Group Chief Compliance Officer for Compliance for more than 20 years. He has over 36 years of experience in banking and financial services and has specialized in Compliance, Audit, and Risk Management throughout his career. Before joining QNB Group, Nofal worked with the Arab Bank Group, Jordan Ahli Bank, the Arab World Auditing Bureau and a Jordanian Public Accountancy Firm. He holds a Bachelor’s Degree in Commerce from University of Jordan in 1985 with a number of professional certifications like the Certified Internal Auditor (CIA) from the Institute of Internal Audits (USA 2002), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO - USA 2007) and has a professional Diploma in Audit and Accounting from Arab Banking and Financial Sciences Academy (Jordan 2000). Nofal is also a member of the Association of Certified Fraud Examiners (ACFE), Association of Certified Anti-Money Laundering Specialists (ACAMS) and Institute of Internal Auditors (IIA). In addition, he is a member of MENA Financial Crime Compliance Group (FCCG) in partnership with the Union of Arab Banks.

Durmuş Ali Kuzu

Member of the Board of Directors and Audit Committee

Dr. Kuzu, Ph.D., has been a member of QNB  Board of Directors since 2016 with the deep knowledge and experience he gained in the banking and finance sector, where he worked for many years as a banker and supervisor.  Within the same year, he was assigned as the member of the Bank’s Audit Committee which is responsible for the efficient running of internal systems, risk management, compliance and internal control units. He completed his master's degree in Business Administration at the University of Illinois in the United States in 2008 and received his Ph.D in the field of Accounting and Finance at Başkent University in 2018. Until today, Dr. Kuzu, Ph.D has taken charge in many national and international committees, acted as a state representative in BASEL and FSB Banking Committees, worked as FSAP country coordinator, carried out studies concerning banking-finance regulation and audit practices of various countries such as the USA, England as well as European Union, attended various seminars and conferences. In addition to his book publications, his articles and papers were published in magazines and discussed at various conferences. He lectured at universities. He is currently a member of the Board of Directors of TMA Türkiye and Foundation of Sworn Bank Auditors.

Temel Güzeloğlu

Member of the Board of Directors

Güzeloğlu was born in 1969 and has a BSc from Boğaziçi University, Departments of Electrical and Electronics Engineering and Physics. Later, he earned an MSc in Electrical and Computer Engineering from Northeastern University and an MBA in Business Administration from Bilgi University. Güzeloğlu worked as Executive Vice President responsible for Consumer Banking at QNB A.Ş. until August 2008 and then served as a Member of the Executive Committee and Executive Vice President responsible for Retail Banking at QNB A.Ş. Güzeloğlu was appointed as General Manager in April 2010 and served in this position until the end of 2021. Güzeloğlu was appointed as a Board Member at QNB  A.Ş. on 1 January 2022. He is also the Chairperson of the Board of Directors at QNB Finansinvest, QNB eFinans, IBTech, QNB Wise, and a Board Member at QNB Sağlık Hayat ve Emeklilik A.Ş.. Before joining QNB, he worked at Unilever between 1994 and 1996, at Citibank between 1996 and 2000, and at McKinsey Consulting between 2000 and 2004.

Osman Ömür Tan

General Manager (CEO) and Member of the Board of Directors

Born in 1971, Ömür Tan graduated from Ankara Atatürk Anatolian High School, and after obtaining his BA degree at Hacettepe University, Department of Statistics, he received a Master of Business Administration (MBA) from Bilgi University. Tan started his career in banking as an MT at Yapı ve Kredi Bankası in 1995 and joined QNB A.Ş in 1998. He held various positions in corporate branches and served as Corporate Branch Manager, Head Office Key Account Management Group Manager, and Group Manager responsible for Corporate Banking. In 2011, he served as Executive Vice President of Corporate and Commercial Banking and was responsible for Project Finance, Cash Management, and Foreign Trade Finance. Between 2014 and 2022, he served as the Chairperson of the Board of Directors, Vice Chairperson of the Board of Directors, and a Board Member at QNB eFinans, QNB Finansfactoring, QNB Finansleasing, and QNB Finansinvest. He was appointed as the General Manager of QNB  in January 2022. Ömür Tan also serves as the Chairperson of the Board of Directors of QNB Finansfactoring and the Vice Chairperson of the Board of Directors at QNB eFinans.

MANAGEMENT & EXECUTIVE VICE PRESIDENTS

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 QNB A.Ş  on 20 May 2008 as an Executive Vice President and the Group CFO. He has been a Member of Management Committee of QNB 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.

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 Türkiye. Yılmaz joined QNB 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 QNB 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  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, Enpara.com

Born in 1976, Türkmen has BSc degree from the Mathematical Engineering Department of Yıldız Technical University and MBA Degree from Bilgi University. He began his career in 1997 as a Software Engineer in Sabancı Holding. He joined QNB  in 2000 and worked as a Software Engineer and Project Manager at IBTech A.Ş., a technology subsidiary of QNB  until 2010. He became the manager of Business Development and Strategy Office of QNB  in 2010, Group Manager of CEO Office in 2012 and Director of Digital Banking at Enpara.com in 2015. Being one of the founding executives of Enpara.com, Cumhur Türkmen continues his role as Executive Vice President in Enpara.com 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  as a Manager in Retail Banking. Following various responsibilities, she acted as one of the founding executives of Enpara.com throughout its set-up. After Enpara.com’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 . 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, ME and Commercial Banking

Born in 1980, Turhan received his bachelor's degree in Economics at the Faculty of Economics and Administrative Sciences, Marmara University and holds a master's degree in International Political Economy and Management. He began his career in the MT (Management Trainee) program at QNB A.Ş. in 2003. After having worked in various divisions of the Loans Department till 2005, Turhan transferred to Project Finance where he held positions of specialist and manager in Project Monitoring, Project Appraisal, Corporate Finance, and Syndicated Loans divisions. Following his assignment in 2012 as the Group Manager of Corporate Banking Structured Finance and Syndicated Loans, he was appointed as the Director of Corporate Derivatives Sales in 2014. Commercial Banking was added to his existing duties in 2015 and as of June 2016, he took on the position as the Executive Vice President in charge of Commercial Banking and Project Finance. As of January 2022, he continues to act as the Executive Vice President in charge of ME and Commercial Banking, together with the functions of Cash Management and Foreign Trade.

Enis Kurtoğlu

Consumer and Small Business 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 Türkiye 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 Türkiye . He then joined QNB 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.

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 QNB 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.

İsmail Işık

Executive Vice President, Loan Monitoring and Follow-Up

İsmail Işık was born in 1980. He graduated from Istanbul University faculty of Business Administration (English) and  received his executive MBA degree from İTÜ Management Engineering Faculty in 2006. He started his banking career at QNB A.Ş Internal Audit Department as an assistant auditor in 2003. He worked as an Auditor, Senior Auditor and Unit Head until 2012 at Internal Audit Department. He was appointed as a division manager of SME Loan Monitoring and Remedial Management Department in 2012 and than worked as a Director of Loan Monitoring, Remedial and NPL Management responsible with SME-Commercial-Corporate segments since 2017. İsmail Işık additionally took all segments responsibility in September 2021 and he has been appointed as Loan Monitoring and Follow-Up Executive Vice President since January 2023.

Köksal Çoban

Executive Vice President, Treasury

1967-born Çoban received his BA from the Business Administration Department of the Middle East Technical University, Ankara, Türkiye 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 QNB A.Ş the same year, he served as QNB 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 QNB 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 QNB A.Ş between 2004 and 2005 and worked as VP of IT and Card Operations at QNB 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 QNB 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 QNB 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 QNB 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 QNB A.Ş.

Sercan Kısas

Head of Internal Control and Compliance

Mr. Kısas graduated from Hacettepe University, Business Administration Department in 2008 and completed MBA Degree at Sakarya University in 2013.He started his career in 2008 and held various roles in Internal Audit Departments at Eurobank Tekfen A.Ş., Turklandbank A.Ş. and Zorlu Holding A.Ş. between 2008 and 2017.He joined QNB Group in 2017 and served in QNB Group Compliance – Qatar as Vice President till December 2023.Throughout his career, he specialized in Compliance, Internal Control and Audit, holding professional certifications and licenses such as Certified Internal Auditor (CIA), Certified Fraud Examiner (CFE), Certification in Risk Management Assurance (CRMA), International Compliance Association in Financial Crime Prevention (ICA), Capital Markets Board – Level II and Qatar Financial Markets Authority Regulations (CISI – QFMA).
 

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 QNB 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 QNB 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.