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 2015
44
Subsidiaries
49
Corporate Social Responsibility Activities
52
İşbank and Sustainability
53
Annual Report Compliance Opinion
54
Board of Directors
56
Executive Committee
58
Organization Chart
60
Changes in the Organizational Structure
60
Managers of Internal Systems
60
Information About the Meetings of the Board of Directors
61
İşbank Committees
64
Human Resources Functions at İşbank
65
Information on the Transactions Carried Out with İşbank’s Risk Group
65
Activities for Which Support Services Are Received in Accordance with the
Regulation on Procurement of Support Services for Banks
66
İşbank’s Dividend Distribution Policy
67
Summary Report of the Board of Directors
68
Agenda of the Annual General Meeting
69
Dividend Distribution Proposal
70
Corporate Governance Principles Compliance Report
77
Audit Committee’s Assessments on the Operation of Internal Control,
Internal Audit and Risk Management Systems and Its Activities in the
Reported Period
80
Explanations on Financial Condition, Profitability and Solvency
81
Information on Risk Management Policies Applied Per Risk Types
84
İşbank Credit Ratings
85
Unconsolidated Financial Statements As Of and For Year Ended 31
December 2015 with Independent Auditors’ Report Thereon
159
Consolidated Financial Statements As Of and For Year Ended 31 December
2015 with Independent Auditors’ Report Thereon
248
Financial Highlights and Key Ratios for the Five-Year Period
250
Direct and Indirect Subsidiaries
252
Changes in Share Percentages in Subsidiaries
253
Amendments in the Articles of Incorporation in 2015
256
Information to Shareholders
