31
Activities
With the social media application “Fırsatla”,
developed as part of social media
integration efforts, customers are able
to synchronize their account information
registered with the Bank with their Twitter
and Facebook accounts. As a result, they
can make better use of special campaigns,
promotions and opportunities. In turn,
İşbank is able to get to know its customers
better through social media.
The increasing use of mobile phones, easy
access to the Internet and a significant
rise in the number of hours spent on
digital platforms by customers brought
about further expansion of the Bank’s
communications and digital platform
activities. In the last quarter of the year,
as a result of the new content strategy
adopted and campaigns implemented
through the social media channels of
Maximum, Maximiles and İş’te Üniversiteli
(a service offered to university students),
the number of followers on Facebook and
Twitter increased considerably.
İşbank continued to develop its “Big Data”
infrastructure. This made it possible to
more easily and instantly access credit card
information as well as branch, Internet
branch, İşCep and ATM data. In addition,
eight communication scenarios, the first
based on instant data, were designed.
In 2015 İşbank, with its innovative CRM
infrastructure that supports sales efforts,
was presented with the Global Gold award
in the category “Best Use of Technology in
Banking, Financial Services and Insurance
Sales Activities” at the Stevie Awards,
one of the world’s most prestigious
competitions of the business world. The
Bank also received the Bronze award at
the 2015 Stevie Awards with its Marketing
Optimization application in the “New
Marketing Solutions” category.
İşbank achieved 9.3%growth in
consumer loans.
As of year-end 2015, total consumer loans
in the banking sector increased by 8.2%,
to TL 292.2
(*)(**)
billion. Meanwhile, İşbank’s
consumer loan portfolio grew by 9.3% in
the same period, climbing to TL 36.4
(**)
billion.
The Bank continues to carry out proactive
determination of the instant loan limit,
which helps boost İşbank’s market share
in consumer loans, and which is perceived
as a prestige component, for mass market
customers, primarily those who receive
salary payments through İşbank and
employees in the public and private sector.
The NakitNet application, initiated at end-
2014 as a pilot project, enables customers
to obtain loans in locations where retail
sales activities are undertaken. In 2015,
NakitNet application was expanded to new
areas, thereby becoming available at 1,356
branches of 48 business partners. As of
year’s end, the number of customers using
the application totaled 5,259, while the
total amount of loans provided through
NakitNet was more than TL 9.8 million. The
“Anında Kredi (Instant Loan)” application
was also launched during the year.
“Anında Kredi (Instant Loan)” was
offered to customers during 2015.
Under the efforts to meet customers’
loan expectations through digital banking
channels in the most effective and fastest
way possible, the “Anında Kredi (Instant
Loan)” product was developed in June
2015 to allow retail loans applications from
Internet Branch up to TL 15,000 to be
evaluated swiftly and transferred instantly
to the accounts of approved applicants. This
product was also made available through
the İşCep application as of September 2015.
Under the “Anında Kredi (Instant Loan)”
product, as of end-2015, a total number
of 75,873 loans amounting to a total of
TL 427.4 million were made available to
customers. As year’s end, İşbank’s overdraft
accounts balance increased 24.3% on a
yearly basis to total TL 552.0 million.
İşbank’s retail auto loan portfolio stood
at TL 810.8 million as of December, 2015.
İşbank extended retail auto loans to more
than 13 thousand customers in 2015. At the
end of 2015, the Bank’s market share in the
retail auto loans was 14.0%
(*)
.
15.7%growth in housing loans,
supported with promotional
campaigns and products designed to
meet customer needs
By year’s end 2015, the sector’s total
housing loan portfolio increased 14.5%, to
TL 131.5
(*)
billion. During the same period,
İşbank’s housing loan portfolio rose by
15.7% and amounted to TL 15.7 billion.
The “Anında Kredi (Instant Loan)” product was
offered to meet customers’ loan needs through the
digital banking channels.
(*)
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.
