Our Bank maintained its sound loan portfolio structure during
2013. The ratio of non-performing loans remained below the
sector average, at 1.6%.
As a bank financed by national capital, for the sake of
sustainable growth, we evaluate the healthy growth and
current volume of our loans as a sound achievement.
Our strategy is “sustainable and profitable growth based
on
the bank closest to customers philosophy
” in an effort
to fulfill our vision and objectives.
In 2013, the Bank implemented its corporate strategy
consistently and achieved sustainable financial results.
Accordingly, we monitored the developments in domestic
and international markets with a proactive approach, and
improved our performance by implementing policies which
are customized for different business units and focused on
profitability and efficiency.
Our main objectives are the healthy management of our market
shares while maintaining sound capital, profitability and asset
quality. Our capital adequacy ratio, which we manage carefully,
is at a sound level which will support the growth forecasted for
2014 and beyond.
In 2013, as a result of relatively moderate global economic
activity and the recovery in domestic demand conditions,
growth in the banking sector gained pace when compared to
2012.
We achieved our objectives set for 2013 to a great extent. Our
Bank closely watched the cost factor in its operations and in
shaping the composition of its balance sheet, we followed
proactive strategies which will strengthen the Bank’s capital
adequacy, liquidity and structural interest rate risk ratios.
In 2013, İşbank applied its corporate strategy in
a determined manner; improved its performance
through policies focused on profitability and
efficiency.
The bank closest to
customers
İşbank’s strategy is “sustainable and profitable
growth based on the bank closest to customers”.
CEO’s Message
Activities
18
İşbank
Annual Report 2013
