| Corporate Profile | 2 |
| İşbank in Figures | 4 |
| İşbank’s Vision, Objectives, Values and Strategy | 6 |
| İşbank Since 1924 | 8 |
| Firsts and Innovations | 9 |
| Chairman’s Message | 10 |
| CEO’s Message | 12 |
| The Global Economy | 14 |
| The Turkish Economy | 16 |
| Banking Sector | 18 |
| İşbank and its Activities in 2015 | 22 |
| Subsidiaries | 44 |
| Corporate Social Responsibility Activities | 49 |
| İşbank and Sustainability | 52 |
| Annual Report Compliance Opinion | 53 |
| Board of Directors | 54 |
| Executive Committee | 56 |
| Organization Chart | 58 |
| Changes in the Organizational Structure | 60 |
| Managers of Internal Systems | 60 |
| Information About the Meetings of the Board of Directors | 60 |
| İşbank Committees | 61 |
| Human Resources Functions at İşbank | 64 |
| 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 | 65 |
| İşbank’s Dividend Distribution Policy | 66 |
| Summary Report of the Board of Directors | 67 |
| Agenda of the Annual General Meeting | 68 |
| Dividend Distribution Proposal | 69 |
| Corporate Governance Principles Compliance Report | 70 |
| Audit Committee’s Assessments on the Operation of Internal Control, Internal Audit and Risk Management Systems and Its Activities in the Reported Period | 77 |
| Explanations on Financial Condition, Profitability and Solvency | 80 |
| Information on Risk Management Policies Applied Per Risk Types | 81 |
| İşbank Credit Ratings | 84 |
| Unconsolidated Financial Statements As Of and For Year Ended 31 December 2015 with Independent Auditors’ Report Thereon | 85 |
| Consolidated Financial Statements As Of and For Year Ended 31 December 2015 with Independent Auditors’ Report Thereon | 159 |
| Financial Highlights and Key Ratios for the Five-Year Period | 248 |
| Direct and Indirect Subsidiaries | 250 |
| Changes in Share Percentages in Subsidiaries | 252 |
| Amendments in the Articles of Incorporation in 2015 | 253 |
| Information to Shareholders | 256 |