{"product_id":"halkbank-business-model-canvas","title":"Halkbank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHalkbank Business Model Canvas: How the Bank Scales Value, Partners \u0026amp; Revenue\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover Halkbank’s strategic engine with our concise Business Model Canvas—covering customer segments, value propositions, key partners, and revenue streams to show how the bank scales and sustains growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTurkish Wealth Fund and Government Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Turkish Wealth Fund (Türkiye Varlık Fonu), as Halkbank’s majority shareholder since 2019, provides capital stability—the fund injected equity and guarantees supporting Halkbank’s CET1 ratio, which stood at ~12.5% in Q3 2025—and aligns the bank with national growth targets. This link lets Halkbank finance large public projects and state credit schemes (TL-denominated infrastructure loans exceeding TL 40bn in 2024) and, via ministries, channel targeted subsidies to SMEs and agriculture.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Financial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHalkbank partners with institutions like the World Bank and European Investment Bank to secure long-term funding—€500m from EIB in 2023 and a $200m World Bank facility in 2024—for sustainable projects and green lending. These lines include dedicated credit for female entrepreneurs, boosting green financing share to 18% of new loans in 2024 and widening international credibility and funding diversification.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCollaboration with fintechs and tech firms lets Halkbank integrate blockchain, AI risk models, and mobile payments; in 2024 Halkbank ran pilots with 3 fintechs and reduced loan processing time 28% year-over-year. \u003c\/p\u003e\n\u003cp\u003eThese partners supply core infrastructure and cybersecurity; Halkbank spent TL 210 million on IT and third-party integrations in 2024 to keep API, AML, and mobile-wallet uptime above 99.8%. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTradesmen and Artisan Cooperatives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cphalkbank partners with the turkish confederation of tradesmen and craftsmen to map needs million small-scale business owners enabling targeted low-interest loan programs that supported tl billion in sme lending\u003e\n\u003cpthese cooperatives act as on-the-ground intermediaries increasing loan take-up in micro-sectors and helping halkbank reach neighborhood artisans craftsmen across provinces.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartner: Turkish Confederation of Tradesmen and Craftsmen\u003c\/li\u003e\n\u003cli\u003eReach: ~3.5 million small businesses\u003c\/li\u003e\n\u003cli\u003e2024 SME lending: TL 18.4 billion\u003c\/li\u003e\n\u003cli\u003eCoverage: all 81 provinces, granular local access\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/phalkbank\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent Banking Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHalkbank’s correspondent banking network enables international trade finance, letters of credit, and cross-border transfers for corporates, supporting exporters\/importers across Europe, MENA, and Central Asia; in 2024 correspondent-facilitated FX and trade flows helped underpin roughly 18% of Halkbank’s non-interest income (≈TRY 1.9bn).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGlobal reach: partners in 60+ countries\u003c\/li\u003e\n\u003cli\u003eSupports letters of credit and trade finance\u003c\/li\u003e\n\u003cli\u003eProvides access to FX liquidity and cross-border payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHalkbank partners deliver €500m+ funding, tech-driven 28% faster lending, TL18.4bn SME reach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHalkbank’s key partners—Türkiye Varlık Fonu, EIB\/World Bank, fintechs, Turkish Confederation of Tradesmen and Craftsmen, and 60+ correspondent banks—provide capital stability, €500m+ long-term funding, tech integration (3 pilots; 28% faster loan processing in 2024), TL 18.4bn SME lending reach (~3.5m firms), and trade finance supporting ≈TRY 1.9bn non-interest income (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric (2024\/2025)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTürkiye Varlık Fonu\u003c\/td\u003e\n\u003ctd\u003eCET1 ≈12.5% Q3 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEIB\/World Bank\u003c\/td\u003e\n\u003ctd\u003e€500m (EIB 2023), $200m (WB 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\/Tech\u003c\/td\u003e\n\u003ctd\u003e3 pilots; −28% loan time (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTradesmen Confed.\u003c\/td\u003e\n\u003ctd\u003eReach ≈3.5m; TL 18.4bn SME loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003e60+ countries; ≈TRY 1.9bn non-interest income\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise Business Model Canvas for Halkbank detailing customer segments, value propositions, channels, revenue streams, key resources and partners, cost structure, and risk factors, reflecting real-world banking operations and competitive advantages for use in presentations and investor discussions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level Halkbank Business Model Canvas that condenses its retail and corporate banking strategy into an editable one-page snapshot, saving hours of setup and enabling quick comparison, team collaboration, and boardroom-ready presentations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Disbursement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHalkbank rigorously evaluates and disburses credit to SMEs, corporates and individuals, emphasizing working capital and investment loans that support industrial production and trade; as of 2024 its corporate and commercial loan book was about TRY 280 billion, with SME loans ~TRY 95 billion. The process uses comprehensive credit scoring and collateral management to keep non-performing loans near the sector median (NPL ratio ~4.5% in 2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHalkbank manages ~TRY 850bn in deposits (2024 annual report) to keep its loan-to-deposit ratio near 90%, using competitive retail\/institutional rates and active treasury trades to control funding costs. Effective cash-flow forecasting and short-term liquidity buffers let the bank meet regulatory LCR (liquidity coverage ratio) targets—around 140% in 2024—while maximizing returns on overnight and government securities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Transformation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpcontinuous development of halkbank mobile and internet banking with apps used by over million customers on smoother ux faster transaction times cutting branch footfall year-on-year.\u003e\n\u003cpthe bank invests in automating routine transactions and embeds analytics to personalize offers contributing a rise digital sales lowering cost-to-income by percentage points while targeting younger tech-savvy segments.\u003e\n\u003c\/pthe\u003e\u003c\/pcontinuous\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHalkbank continuously monitors market, credit and operational risks to protect its capital and meet BRSA rules, aligning capital adequacy with Basel III; as of 2024 CET1 ratio stood near 12.0% and total CAR ~16.5% (BRSA reporting).\u003c\/p\u003e\n\u003cp\u003eRobust internal audit and anti-fraud controls support IFRS financial integrity and regulatory reporting, with credit cost-of-risk around 120 bp in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBasel III alignment: CET1 ~12.0%\u003c\/li\u003e\n\u003cli\u003eTotal CAR ~16.5%\u003c\/li\u003e\n\u003cli\u003eCredit cost-of-risk ~1.20%\u003c\/li\u003e\n\u003cli\u003eContinuous BRSA compliance monitoring\u003c\/li\u003e\n\u003cli\u003eStrong internal audit \u0026amp; anti-fraud controls\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME Development and Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHalkbank runs SME capacity-building—financial literacy courses and strategic workshops—that raise borrower quality and lower default risk; in 2024 its SME advisory touched ~45,000 firms, coinciding with a 1.8 percentage-point fall in SME NPLs year-on-year.\u003c\/p\u003e\n\u003cp\u003eThese consulting services improve management, boost resilience and deepen loyalty, supporting Halkbank’s core SME loan book (~TRY 120 billion in 2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~45,000 SMEs trained in 2024\u003c\/li\u003e\n\u003cli\u003eSME NPLs down 1.8 pp YoY\u003c\/li\u003e\n\u003cli\u003eSME loan book ≈ TRY 120 billion (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHalkbank: TRY 400bn loans, TRY 850bn deposits, strong liquidity \u0026amp; falling SME NPLs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHalkbank issues and services ~TRY 280bn corporate\/commercial loans and ~TRY 120bn SME loans (2024), manages ~TRY 850bn deposits, keeps L\/D ≈90%, LCR ≈140%, CET1 ≈12.0% and CAR ≈16.5%, and runs SME training (≈45,000 firms in 2024) while reducing NPLs (~4.5% overall; SME NPLs down 1.8 pp YOY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\/commercial loans\u003c\/td\u003e\n\u003ctd\u003eTRY 280bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME loan book\u003c\/td\u003e\n\u003ctd\u003eTRY 120bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003eTRY 850bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan-to-deposit\u003c\/td\u003e\n\u003ctd\u003e≈90%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e≈140%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e≈12.0%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal CAR\u003c\/td\u003e\n\u003ctd\u003e≈16.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOverall NPL\u003c\/td\u003e\n\u003ctd\u003e≈4.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME training reach\u003c\/td\u003e\n\u003ctd\u003e≈45,000 firms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Halkbank Business Model Canvas—not a mockup or sample—and it reflects the exact content and layout of the final deliverable you’ll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you’ll gain access to this same professional, ready-to-edit file in Word and Excel formats, with all sections included and formatted exactly as shown here.\u003c\/p\u003e\n\u003cp\u003eWe provide full transparency: no placeholders, no surprises—what you see in the preview is the precise document you will download and use immediately.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749627048313,"sku":"halkbank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/halkbank-business-model-canvas.png?v=1772216105","url":"https:\/\/matrixbcg.com\/products\/halkbank-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}