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Abstract: This case looks at the provision of financial services both when a banking system is weak and inefficient and when it is liquid, solvent, and highly competitive, seen through the lens of Akbank's adaptation to the evolution of Turkey's banking sector. Of special interest are the effects on financial depth and financial inclusion of a commercial bank's efforts to align its internal capabilities with external opportunities.
This case is accompanied by a video supplement that provides insights into contemporary Turkey as one of its most successful banks explores options for future growth. Images of urban and rural Turkey, cityscape and campus life, are viewed through the lenses of both Akbank's management and independent observers. Includes vignettes of bank customers and "unbanked" businesses.
Learning Objective: This case (Part A) can be used to analyze successful strategies taken by Akbank that made it resilient against a nation-wide financial crisis and the best course of action that it should follow in taking advantage of this crisis to accelerate its growth.