2
CORPORATE PROFILE
4
İŞBANK IN FIGURES
6
İŞBANK’S VISION, OBJECTIVES AND STRATEGY
8
İŞBANK SINCE 1924
9
FIRSTS AND INNOVATIONS
10
CHAIRMAN’S MESSAGE
16
CEO’S MESSAGE
22
THE GLOBAL ECONOMY
24
THE TURKISH ECONOMY
30
İŞBANK AND ITS ACTIVITIES IN 2013
54
SUBSIDIARIES
58
CORPORATE SOCIAL RESPONSIBILITY ACTIVITIES
62
İŞBANK AND SUSTAINABILITY
63
ANNUAL REPORT COMPLIANCE OPINION
64
BOARD OF DIRECTORS
66
EXECUTIVE COMMITTEE
68
ORGANIZATION CHART
70
CHANGES IN THE ORGANIZATIONAL STRUCTURE
70
MANAGERS OF INTERNAL SYSTEMS
70
INFORMATION ABOUT THE MEETINGS OF THE BOARD OF DIRECTORS
71
İŞBANK COMMITTEES
74
HUMAN RESOURCES FUNCTIONS AT İŞBANK
76
INFORMATION ON THE TRANSACTIONS CARRIED OUT WITH İŞBANK’S RISK GROUP
76
ACTIVITIES FORWHICH SUPPORT SERVICES ARE RECEIVED INACCORDANCEWITHTHE REGULATIONON PROCUREMENT OF SUPPORT SERVICES FOR BANKS
77
İŞBANK’S DIVIDEND DISTRIBUTION POLICY
78
SUMMARY REPORT OF THE BOARD OF DIRECTORS
80
AGENDA OF THE ANNUAL GENERAL MEETING
81
DIVIDEND DISTRIBUTION PROPOSAL
82
CORPORATE GOVERNANCE PRINCIPLES COMPLIANCE REPORT
90
AUDIT COMMITTEE’S ASSESSMENTS ON THE OPERATION OF INTERNAL CONTROL, INTERNAL AUDIT AND RISK MANAGEMENT
SYSTEMS AND ITS ACTIVITIES IN THE REPORTED PERIOD
93
FINANCIAL CONDITION, PROFITABILITY AND SOLVENCY
94
INFORMATION ON RISK MANAGEMENT POLICIES APPLIED PER RISK TYPES
96
İŞBANK CREDIT RATINGS
97
UNCONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE YEAR ENDED 31 DECEMBER 2013 WITH INDEPENDENT
AUDITORS’ REPORT THEREON
192
CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE YEAR ENDED 31 DECEMBER 2013 WITH INDEPENDENT
AUDITORS’ REPORT THEREON
302
FINANCIAL HIGHLIGHTS AND KEY RATIOS FOR THE FIVE-YEAR PERIOD
304
DIRECT AND INDIRECT SUBSIDIARIES
307
CHANGES IN SHARE PERCENTAGES IN SUBSIDIARIES
308
AMENDMENTS IN THE ARTICLES OF INCORPORATION IN 2013
316
INFORMATION TO SHAREHOLDERS
Contents
