Commercial Banking
İşbank continued to extend its support to commercial
banking customers throughout the volatile market
conditions of 2013.
İşbank maintained its consistent support in the commercial
banking business line, standing by industrialists, tradesman,
SMEs and artisans in 2013.
İşbank provides services in the commercial business line with its
-- 47 commercial branches,
-- Widespread branch network all over the country,
-- 26 sales regions (including T.R.N.C.),
-- Experienced field organizations, customer relations managers
and customer representatives.
Significant increase in the commercial banking loan
portfolio
İşbank carried on its years of successful performance in the
commercial banking business line further to 2013. Remaining as
the leading provider of installment-based commercial loans by a
substantial margin in 2013, reaching a 17.5%
(*) (**)
market share
in this business line. İşbank’s loan portfolio in this segment
amounted to TL 22.5 billion
(**)
as of the end of the year.
While providing small- and medium-sized enterprises (SME)
with working capital and investment financing, İşbank
continued to support SMEs’ purchases of commercial vehicles
and property in 2013. The Bank remained the leading provider
of commercial vehicle loans, where it commanded a 25.8%
(*)
market share, with a 12.1%
(*)
market share in commercial
property loans and a 16.9%
(*)(**)
market share in consumer loans.
Increased cooperation with professional associations,
sectoral corporations and public organizations
İşbank developed its commercial banking activities in 2013
with a perspective towards addressing local needs as it has
been in the past years. Accordingly, the Bank continued to
cooperate with professional associations as well as chambers of
commerce and industry. Some highlights of the Bank’s activities
in this area are listed below.
-- The “Co-financing Loan Program Protocol” was signed
between İşbank and KOSGEB in order to meet the financial
needs of companies qualified for the “KOSGEB Reyhanlı
District Emergency Support Loan”, SME Project Support
Program, Thematic Project Support Program, United
Cooperation Support Program, Entrepreneurship Support
Program, the R&D Innovation and Industrial Application
Support Programwas also signed. Furthermore, the KOSGEB
Support Package was prepared to meet the financing needs
of companies which qualified for KOSGEB’s refundable and
non-refundable support programs. Under the scope of this
package, the Bridge Financing Loan, Co-Financing Loans and
Letters of Guarantee are provided to companies.
-- Within the scope of the ongoing collaboration with the
Turkish Grain Board (TMO) in 2013, the Bank provided
loans against TMO receipts to its own depositors who had
submitted their products (wheat, barley, corn and rice) to the
board.
-- The “Collaboration and Imece Card Merchant Framework
Protocol” was signed between İşbank and the Beet Growers’
Cooperatives Association (PANKOBIRLIK).
-- İşbank continues to collaborate with the Turkish Pharmacists’
Association (TEB). The cooperation protocols were renewed;
under these protocols, the Bank intermediates pharmacists’
health insurance payments to the Social Security Institution
(SGK) and extends loans covered by the association’s Mutual
Assistance Fund.
-- The protocol with the Agricultural and Rural Development
Support Institution (TKDK) related to the EU’s Instrument
for Pre-Accession Rural Development (IPARD) programwas
renewed. Related work is ongoing within the scope of this
protocol.
İşbank continued to provide funding to SMEs
raised through international corporations in 2013.
İşbank and its Activities in 2013
(*)
Market shares are based on the monthly industry data (including participation
banks and development and investment banks) published by the Banking
Regulation and Supervision Agency and are calculated excluding interest
accruals and rediscounts.
(**)
Includes overdraft accounts.
Activities
34
İşbank
Annual Report 2013
