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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: After the 2001 financial crisis in Turkey, the consolidation of domestic banks, entrance of foreign banks, and steps taken by the government in strengthening the banking sector made the banking sector much more competitive. This case (Part B) can be used to analyze the best course of action that Akbank should take in maintaining its lead in the market.