FIRSTS AND INNOVATIONS
İŞBANK INTRODUCED
NUMEROUS FIRSTS TO
TURKEY AND TO THE
BANKING SECTOR.
• Introduced child’s coin bank to Turkish
society to trigger and generate a
mainstream trend towards saving.
• The first use of checks as a convenient way
to make regular payments
• The launch of electronic banking in Turkey,
with the introduction of Turkey’s first ATMs
• The first Turkish bank to open branches in
Cyprus and Europe
• The first investment account service in the
Turkish financial services industry
• Launched Turkey’s first mutual fund.
• The first trading services of investment
securities at a bank in Turkey
• Initiated the first interactive telephone
banking service.
• The first online branch
• The first WAP mobile banking service
• The first Java-based mobile banking
application for customers
• The first term deposit product for
customers in Turkey, “Floating Account,”
whose yields are indexed to the TRLIBOR
market
• Turkey’s first social responsibility-focused
mutual fund, “Environmentally Responsible
Fund,” investing in environmentally-
friendly companies
• “Environmentally-Friendly Home Loan,”
a retail credit product launched to
support the growth and development of
environment-friendly technologies in the
housing industry
• Mobile signature, enabling customers to
pay off loans without having to go to a
branch and to withdraw cash without using
a bank or credit card
• Amulti-touch featured application, “Getiri
Sihirbazı” (“Return ComparisonWizard”),
that enables customers to compare yields
on financial products
• “İş’te Yatırım iPhone,” an iPhone application
that allows users to monitor İstanbul Stock
Exchange information in real time
• A Video Telephone Banking application
that makes use of third-generation (3G)
mobile telephone technology
• “Mobile Key (Cep Anahtar),” a mobile
phone application that strengthens the
transaction security of online branch and
mobile banking channels and also enables
cash withdrawals from İşbank ATMs
without the need of a card
• World’s first biometric-controlled POS
using electronic fingerprint reading to
authenticate a user’s identity
• An interactive messaging system that
transforms POS terminals into two-way
communication channels
• “Üstü Kalsın” (“Keep the Change”), an
innovative application that contributes to
saving by rounding up outstanding credit
card debt balances to a specified limit, and
uses the difference to purchase mutual
fund shares
• “Kur Korumalı (Opsiyonlu) Döviz Kredisi”
(“Exchange Rate Protected Foreign
Currency Loan with Option”), a foreign-
currency loan with a guaranteed exchange
rate option that protects the borrower
against excessive exchange rate rises;
“Sabit Faizli Rotatif (BCH) Kredi” (“Fixed
Rate Revolving Loan”), a fixed-interest-rate
revolving line of credit for those who do
not want to be affected by interest rate
movements; Chinese Yuan credit and loans
for customers who conduct business with
China
• “BenimBankamatik’im” (“My ATM”), an
innovative application that revolutionizes
ATM use in Turkey by allowing users to
customize their own screens
• “Temassız Kartla Para Çekme” (“Money
Withdrawal by Contactless Card”), a
contactless card application that makes it
possible for users to withdraw cash with a
single keypress
• Unprecedented in Turkey, a specialized
branch was opened, which was designed
in a totally different and special structure
to offer service exclusively to companies
backed by foreign capital.
• The “Parakod” application that employs
the QR code technology allows İşbank
customers to use their mobile phones to
buy any product or service either online
without entering any card data or from the
stores without having to carry their credit
cards along.
• In view of the customer needs that will
arise under the Law on Redevelopment
of Areas Under Disaster Risk, İşbank
developed new housing finance loans
under the names Urban Transformation
Residential Construction Loan and Urban
Transformation Reinforcement Loan. In
addition, İşbank was the first privately-
owned bank to introduce the 2B Loan.
• “Karşılıklı Çek” (“Certified Cheque”), a
first in the industry that aims to reinstate
cheques as a reliable payment instrument.
INTRODUCTION
ACTIVITIES
CORPORATE GOVERNANCE
FINANCIAL INFORMATION AND RISK MANAGEMENT
9
İŞBANK
ANNUAL REPORT 2012
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