ance ▁opportun ities ▁primarily ▁in ▁the ▁bank ' s ▁target ▁mark ets . ▁Know ledge ▁exchange ▁and ▁cross - fer til ization ▁with ▁subs idi aries ▁ ▁contributed ▁to ▁overall ▁performance . ▁ ▁Ret ail ▁bank ing ▁The ▁bank ▁offers ▁individuals ▁and ▁S ME ▁clients ▁straight ▁forward ▁ret ail ▁bank ing ▁products ▁in ▁four ▁European ▁countries : ▁the ▁Netherlands , ▁Germany , ▁Mal ta ▁and ▁Roman ia . ▁ ▁Corpor ate ▁Govern ance ▁Although ▁Cred it ▁Europe ▁Bank ▁N V ▁is ▁not ▁listed ▁in ▁the ▁Netherlands , ▁it ▁volunt arily ▁ad her es ▁to ▁the ▁principles ▁and ▁best ▁practices ▁of ▁the ▁Dutch ▁Corpor ate ▁Govern ance ▁Code , ▁also ▁known ▁as ▁the ▁“ Code ▁Tab aks bl at ”. ▁Additionally , ▁as ▁bank ing ▁organization , ▁Cred it ▁Europe ▁Bank ▁N V ▁also ▁under writ es ▁the ▁Bas el ▁Committee ▁rules ▁on ▁En han cing ▁Corpor ate ▁Govern ance ▁for ▁Bank ing ▁Organ is ations ▁( the ▁“ Bas el ▁R ules ” ). ▁ ▁Cred it ▁Europe ▁Bank ▁N V ▁applies ▁a ▁two ▁tier ▁board ▁structure ▁with ▁a ▁Super vis ory ▁Board ▁and ▁Man aging ▁Board . ▁ ▁The ▁Super vis ory ▁Board ▁of ▁Cred it ▁Europe ▁Bank ▁N V ▁consists ▁of ▁ 5 ▁members , ▁as ▁at ▁ 2 0 1 8 ▁these ▁were ; ▁H ector ▁de ▁Beau fort ▁( ch air man ), ▁ ▁Mur at ▁O zy egin , ▁F rit s ▁De it ers , ▁Me h met ▁Gü le ş ci ▁and ▁K ork maz ▁Il