İşbank increased its general-purpose loan balance
by 32.6% to TL 15.3 billion and maintained its
leading position among privately-owned banks.
Auto loans to 22 thousand customers
İşbank’s auto loans balance was realized at TL 1.3 billion in 2013.
İşbank extended retail auto loans to approximately 22 thousand
customers in 2013. At the end of 2013, the Bank commanded
a 15.3%
(*)
share in retail auto-loans. İşbank remains one of the
leading banks in retail auto loans.
İşbank continued to pursue close cooperation between
automotive brands in the sector, working to establish new
cooperation and organizing campaigns with major motor vehicle
brands in Turkey during 2013.
23.5%growth in housing loans
İşbank’s housing loans balance reached TL 11.8 billion in 2013,
recording 23.5% growth.
A total of 204 in-progress housing projects were evaluated
and loan limits were assigned to 105 of them during 2013. As a
result of this work, the number of contracted projects increased
to 256.
İşbank provided 218 loans amounting to TL 13.7 million in 2013,
with 12 of these loans being workplace loans within the scope
of the TOKİ (Housing Development Administration) discount
campaign.
İşbank was the first bank to sign a protocol with the Ministry
of the Environment and Urban Planning to finance the needs
of landlords within the scope of the Urban Transformation
Project. In line with this protocol, İşbank extended loans to
approximately 145 customers, amounting to TL 18.8 million in
total.
İşbank achieved 26.7%growth in consumer loans.
İşbank’s total consumer loans amounted to TL 28.4
(**)
billion in
2013 implying 26.7% growth.
Proactive determination of the instant loan limit, which
positively supports the improvement of İşbank’s market share
in consumer loans, and perceived as a prestige component, is
continued to carry out for the customer masses - mainly for
the customers who receive their salaries through İşbank and
employees in the public and private sector.
İşbank is the leader in general-purpose loans among
privately-owned banks.
At the end of 2013, there had been a 29.0%
(*)(**)
expansion in
general-purpose loans when compared to the previous year.
The volume of İşbank’s general-purpose loans reached
TL 15.3 billion
(**)
, marking growth of 32.6%
(**)
, with the Bank
maintaining its leading position among privately-owned banks.
İşbank extended 902 thousand general-purpose loans during
2013.
In addition to regular campaigns held every month, İşbank
organized mass media campaigns such as “Tatil” (Vacation),
“Eğitim” (Education), “Bayram” (Holiday) and “Yeni Yıl” (New
Year) loan campaigns.
Customers submitting “Quick Loan” applications through
the Instant Banking channels are automatically directed to
branches through the campaign management system.
As of February 2013, İşbank’s customers, through branches and
online banking, were able to register in Credit Risk Reports and
Check Reports which were presented by KKB (Credit Bureau).
A loan product designed to grant loan for land as part of the 2/B
programwithin the legal framework, was provided by İşbank for
the first time in Turkey in the second half of June.
İşbank developed the “Environmentalist Loan” in 2013 to
expand the general-purpose loan portfolio and meet various
cash needs required by customers for the purposes such as
heat insulation and water proofing, converting to natural gas
heating and changing old and inefficient systems with new
systems.
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.
(**)
Excludes banks’ deposits.
Activities
38
İşbank
Annual Report 2013
