27
Activities
İşbank maintained its sector leading position in
commercial auto and real estate loans.
The Bank renewed the payment
infrastructure for advances in cash
management including cash proceeds
and payment systems. By integrating this
revamped payment infrastructure into
product processes, the Bank expects to
significantly increase customer satisfaction
and process performance. The renewed
infrastructure will at the same time
decrease operational costs and result in
higher overall efficiency. The Bank targeted
activities that reduce operational costs
and increase overall efficiency. Moreover,
activities to provide cost advantages to
customers were conducted at the same
time. In addition, alternative products
were developed for overseas payments of
companies during this period.
İşbank continues to support foreign
trade.
İşbank provides intermediary services in the
foreign trade transactions of customers
through a widespread correspondent
network. The Bank identifies client needs
with an experienced and expert workforce,
and develops transaction based payment
solutions and domestic and foreign
financing opportunities.
İşbank maintains a leading position in the
foreign trade transactions market with its
innovative approach and full knowledge of
domestic and international regulations in
addition to the magnitude of its transaction
volume. The growth trends of the Bank’s
foreign trade transactions revenue and its
market share accelerated in 2015.
COMMERCIAL BANKING
Uninterrupted support to commercial
banking customers
In line with its founding philosophy,
İşbank has always provided support to
Turkish industrialists, tradesmen, SMEs
and artisans. In 2015, the Bank continued
to do so through its Commercial Banking
activities.
In order to provide commercial segment
customers with more effective and
differentiated services, the Bank made
two new commercial branches operational,
and now operates via these 53 specialized
branches.
In commercial installment loans, a financing
method mostly preferred by artisans and
SMEs, İşbank continued to be market leader
with a share of 18%
(*)(**)
. As of year-end,
the Bank’s portfolio volume in commercial
installment loans totaled TL 33.8 billion.
İşbank sustained its market leadership
position with a total share of 25.5%
(*)(**)
in
commercial vehicle loans and a total share
of 22.7%
(*)(**)
in commercial real estate
loans, both of which are widely used among
commercial loan portfolio.
Collaboration with professional
associations, sector institutions and
public institutions
In 2015, İşbank conducted its commercial
banking operations by taking into account
regional needs and expectations. Some
activities carried out as part of the efforts
with chambers of industry and other
professional associations include:
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The Credit Guarantee Fund (CGF)
supported by the Treasury and
entered into between İşbank and
CGF. According to the new agreement
stipulating the rules for the security
to be provided by CGF, SMEs as well as
female entrepreneurs, travel agencies,
manufacturer SMEs and ship building
companies were provided with the
opportunity to obtain a loan through the
Credit Guarantee Fund partly supported
by the state Treasury.
»
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Under the agreement signed between
İşbank and Eximbank, İşbank provided
exporters loans for their shipments to
buyers located in prescribed countries
that were determined through the Short-
Term Export Loan Insurance Program and
the Medium/Long-Term Export Credit
Insurance Program in 2015.
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During the year, İşbank continued to
closely collaborate with Toprak Mahsulleri
Ofisi A.Ş. (TMO) with loans provided
to depositors (based on warehouse
receipts) who delivered products (e.g.
corn, rice, grain) to TMO.
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»
Efforts are ongoing under the protocol
signed between the Bank and the
Agricultural and Rural Development
Support Institution (TKDK) related to the
European Union’s Instrument for Pre-
Accession Rural Development (IPARD)
program, in line with application calls
made by TKDK.
(*)
Market shares are calculated using monthly sector data published by the Banking Regulation and Supervision Agency. Interest accruals and rediscounts are
not taken into account. Participation banks are excluded.
(**)
Includes overdraft accounts.
