İŞBANK ANNUAL REPORT 2014

INTRODUCTION

İŞBANK

ANNUAL REPORT 2014

Thanks to its customer needs focused service approach

and a robust, constantly upgraded technological

infrastructure, İşbank has always been a pioneer in the

banking industry.

İşbank;

Developed and introduced the “Money

Box” account to Turkey to foster a culture

of savings;

Introduced the first use of cheques as a

convenient means of carrying out regular

payments;

Launched electronic banking in Turkey,

with the introduction of the country’s first

ATMs: Bankamatik;

Became the first Turkish bank to open

branches in Europe and T.R.N.C.;

Rolled out the first investment account

service in the Turkish financial services

industry;

Launched Turkey’s first mutual fund;

Became Turkey’s first bank to introduce

trading services of investment securities;

Initiated the first interactive telephone

banking service;

Opened the first online branch;

Introduced the first WAP mobile banking

service;

Developed and rolled out the first

application-based native mobile banking

service (İşCep) for customers;

Offered the first term deposit product for

customers in Turkey, “Floating Account,”

whose yields are indexed to the TRLIBOR

market;

Turkey’s first social responsibility-

focused mutual fund, “Environmentally

Responsible Fund,” investing in

environmentally friendly companies

Launched the “Environmentally Friendly

Housing Loan” product to support the

development of environmentally friendly

technologies in the housing sector;

Introduced Mobile Signature, enabling

customers to pay off loans without having

to visit a branch and to withdraw cash,

without using a debit or credit card;

Developed and rolled out a multi-touch

feature application, “Getiri Sihirbazı

(Return ComparisonWizard),” that enables

customers to compare yields on financial

products;

FIRSTS AND

INNOVATIONS

Developed and launched “İş’te Yatırım

iPhone,” an iPhone application that allows

users to monitor Borsa İstanbul data in

real time;

Developed and introduced “Mobile Key

(Cep Anahtar),” a mobile phone application

that strengthens the transaction

security of the online branch and mobile

banking channels, and also enables cash

withdrawals fromBankamatik (ATM)s

without the need for a card;

Developed and launched the World’s

first Bio-ID POS using fingervein-ID to

authenticate a user’s identity;

Developed and deployed an interactive

messaging system that transforms POS

terminals into two-way communication

channels;

Developed “Üstü Kalsın (Keep the

Change)” an innovative application, and a

first in Turkey, that helps customers grow

their savings by rounding up outstanding

credit card debt balances to a specified

limit, and uses the difference to purchase

mutual fund shares;

Developed the “Kur Korumalı (Opsiyonlu)

Döviz Kredisi (Exchange Rate Protected

Foreign Currency Loan with Option),” a

foreign currency loan with a guaranteed

exchange rate option that protects the

borrower against excessive increases in

the exchange rate; “Sabit Faizli Rotatif

(BCH) Kredi (Fixed Rate Revolving Loan),” a

fixed-interest-rate revolving line of credit

for those who do not want to be affected

by fluctuating interest rates; and Chinese

Yuan credit and loans for customers who

conduct business with China;

Introduced the “Temassız Kartla Para

Çekme (Money Withdrawal by Contactless

Card),” a contactless card application that

enables users to withdraw cash with a

single key press;

Designed and opened a specialized branch

with a completely different and unique

structure to deliver services exclusively

to companies backed by foreign capital,

which is an unprecedented service

offering in Turkey;

Developed and launched the “Parakod”

application that employs QR code

technology to allow İşbank customers to

use their mobile phones to purchase any

product or service either online without

entering any card data, or from retail

stores without using a credit card;

Became the first privately-owned bank in

Turkey to introduce the 2B Loan;

Developed and rolled out the “Karşılıklı

Çek (Guaranteed Cheque),” a first in the

industry that aims to reinstate payment by

cheque as a reliable payment instrument;

Launched the “Şipşak” product that allows

customers to carry out instant shopping

by scanning a QR code in print media, such

as newspapers, magazines, banners or

catalogues;

Added the “Müzekart (Museum Card)”

feature to credit cards, providing

customers the opportunity to visit

museums or archeological sites -which are

operated by the Ministry of Culture and

Tourism of the Republic of Turkey- free of

charge for one month every year,

Provided customers with Intel Identity

Protection Technology, which enables

users to login to İşCep securely, removing

the need for obtaining a one-time

password;

Introduced Touch-ID technology, which

enables customers to login to İşCep

without having to enter a customer

password, a first in Turkey;

Provided customers, for the first time

ever, with a special banking application

integrated into Microsoft’s new

generation entertainment platform, Xbox

One;

Commenced “Gold Meetings at the

Jewelers” as an industry-first to channel

physical gold into the economy.