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CONTENTS
02
CORPORATE PROFILE
04
İŞBANK IN FIGURES
06
İŞBANK’S VISION, OBJECTIVES, VALUES AND STRATEGY
08
İŞBANK SINCE 1924
09
FIRSTS AND INNOVATIONS
10
CHAIRMAN’S MESSAGE
12
CEO’S MESSAGE
14
THE GLOBAL ECONOMY
16
THE TURKISH ECONOMY
18
BANKING SECTOR
22
İŞBANK AND ITS ACTIVITIES IN 2014
42
SUBSIDIARIES
46
CORPORATE SOCIAL RESPONSIBILITY ACTIVITIES
50
İŞBANK AND SUSTAINABILITY
51
ANNUAL REPORT COMPLIANCE OPINION
52
BOARD OF DIRECTORS
54
EXECUTIVE COMMITTEE
56
ORGANIZATION CHART
58
CHANGES IN THE ORGANIZATIONAL STRUCTURE
58
MANAGERS OF INTERNAL SYSTEMS
58
INFORMATION ABOUT THE MEETINGS OF THE BOARD OF DIRECTORS
59
İŞBANK COMMITTEES
62
HUMAN RESOURCES FUNCTIONS AT İŞBANK
63
INFORMATION ON THE TRANSACTIONS CARRIED OUT WITH İŞBANK’S RISK GROUP
63
ACTIVITIES FOR WHICH SUPPORT SERVICES ARE RECEIVED IN ACCORDANCE WITH THE REGULATION
ON PROCUREMENT OF SUPPORT SERVICES FOR BANKS
64
İŞBANK’S DIVIDEND DISTRIBUTION POLICY
65
SUMMARY REPORT OF THE BOARD OF DIRECTORS
66
AGENDA OF THE ANNUAL GENERAL MEETING
67
DIVIDEND DISTRIBUTION PROPOSAL
68
CORPORATE GOVERNANCE PRINCIPLES COMPLIANCE REPORT
76
AUDIT COMMITTEE’S ASSESSMENTS ON THE OPERATION OF INTERNAL CONTROL, INTERNAL AUDIT AND
RISK MANAGEMENT SYSTEMS AND ITS ACTIVITIES IN THE REPORTED PERIOD
79
EXPLANATIONS ON FINANCIAL CONDITION, PROFITABILITY AND SOLVENCY
80
INFORMATION ON RISK MANAGEMENT POLICIES APPLIED PER RISK TYPES
82
İŞBANK CREDIT RATINGS
83
UNCONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR YEAR ENDED 31 DECEMBER 2014
WITH INDEPENDENT AUDITORS’ REPORT THEREON
151
CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR YEAR ENDED 31 DECEMBER 2014
WITH INDEPENDENT AUDITORS’ REPORT THEREON
227
FINANCIAL HIGHLIGHTS AND KEY RATIOS FOR THE FIVE-YEAR PERIOD
229
DIRECT AND INDIRECT SUBSIDIARIES
231
CHANGES IN SHARE PERCENTAGES IN SUBSIDIARIES
232
INFORMATION TO SHAREHOLDERS