INCREASED EFFICIENCY IN CASH
MANAGEMENT.
İşbank maximizes customer satisfaction
through cash management solutions backed
by innovative technology and specifically
designed to cater to the needs of customers
and sectors.
In the area of cash management, İşbank
targets to develop customized, functional
and flexible solutions that fully utilize
information technology; and in this way
provide customers with faster, better and
more effective service.
The Bank will continue to employ the same
strategy in its cash management activities
in 2013.
CERTIFIED CHEQUE – A FIRST IN THE
SECTOR
A first in the sector and developed with
a keen eye on customer demand, the
“Certified Cheque” product was introduced
in November 2012 with a view to reinstating
cheques as a reliable payment instrument.
Quickly attracting intense attention and
interest, the product was already in use by
approximately 5,000 customers by the end
of the year.
Besides, İşbank further strengthened its
efficient position in the Direct Debit System,
where it is a key market player, and in Dealer
Card implementations. Banking service
revenues generated via this area grew 40%
year-on in 2012.
COMMERCIAL BANKING
İŞBANK’S UNINTERRUPTED,
CONSISTENT SUPPORT IN THE
COMMERCIAL BANKING BUSINESS LINE
CONTINUED IN 2012.
In 2012, İşbank continued to support
Turkey’s industrialists, tradesmen, SMEs and
artisans in the commercial banking business
line. The Bank offers its products, services
and solutions through:
• 39 commercial branches,
• Mixed branches located all over the
country,
• 25 commercial sales regions,
• Experienced field organizations, customer
relationship managers and customer
representatives.
IN 2012, İŞBANK REGISTERED
SIGNIFICANT INCREASES IN ITS
COMMERCIAL BANKING LOAN
PORTFOLIO.
In 2012, İşbank further solidified its years of
successful performance in the commercial
banking business line.
Remaining the leading provider of
installment-based commercial loans by a
substantial margin in 2012, İşbank’s loan
portfolio in this segment amounted to
TL 17.1 billion
(**)
as of the end of the year.
The bank controlled a 19.2%
(*) (**)
market
share in this business line.
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 2011. The Bank
remained the leading provider of commercial
vehicle loans, a business line in which it
controlled a 26.2%
(*)
market share.
İŞBANK AND ITS ACTIVITIES IN 2012
IN 2012, İŞBANK
CONTINUED TO SUPPORT
TURKEY’S INDUSTRIALISTS,
TRADESMEN, SMES
AND ARTISANS IN THE
COMMERCIAL BANKING
BUSINESS LINE.
(*)
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.
32
İŞBANK
ANNUAL REPORT 2012
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