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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 2014

22

SUBSIDIARIES

42

CORPORATE SOCIAL RESPONSIBILITY ACTIVITIES

46

İŞBANK AND SUSTAINABILITY

50

ANNUAL REPORT COMPLIANCE OPINION

51

BOARD OF DIRECTORS

52

EXECUTIVE COMMITTEE

54

ORGANIZATION CHART

56

CHANGES IN THE ORGANIZATIONAL STRUCTURE

58

MANAGERS OF INTERNAL SYSTEMS

58

INFORMATION ABOUT THE MEETINGS OF THE BOARD OF DIRECTORS

58

İŞBANK COMMITTEES

59

HUMAN RESOURCES FUNCTIONS AT İŞBANK

62

INFORMATION ON THE TRANSACTIONS CARRIED OUT WITH İŞBANK’S RISK GROUP

63

ACTIVITIES FOR WHICH SUPPORT SERVICES ARE RECEIVED IN ACCORDANCE WITH THE REGULATION ON PROCUREMENT OF SUPPORT SERVICES FOR BANKS

63

İŞBANK’S DIVIDEND DISTRIBUTION POLICY

64

SUMMARY REPORT OF THE BOARD OF DIRECTORS

65

AGENDA OF THE ANNUAL GENERAL MEETING

66

DIVIDEND DISTRIBUTION PROPOSAL

67

CORPORATE GOVERNANCE PRINCIPLES COMPLIANCE REPORT

68

AUDIT COMMITTEE’S ASSESSMENTS ON THE OPERATION OF INTERNAL CONTROL, INTERNAL AUDIT AND RISK MANAGEMENT SYSTEMS AND ITS ACTIVITIES IN THE REPORTED PERIOD

76

EXPLANATIONS ON FINANCIAL CONDITION, PROFITABILITY AND SOLVENCY

79

INFORMATION ON RISK MANAGEMENT POLICIES APPLIED PER RISK TYPES

80

İŞBANK CREDIT RATINGS

82

UNCONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR YEAR ENDED 31 DECEMBER 2014 WITH INDEPENDENT AUDITORS’ REPORT THEREON

83

CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR YEAR ENDED 31 DECEMBER 2014 WITH INDEPENDENT AUDITORS’ REPORT THEREON

151

FINANCIAL HIGHLIGHTS AND KEY RATIOS FOR THE FIVE-YEAR PERIOD

227

DIRECT AND INDIRECT SUBSIDIARIES

229

CHANGES IN SHARE PERCENTAGES IN SUBSIDIARIES

231

INFORMATION TO SHAREHOLDERS

232