INNOVATIVE PRACTICES FOCUSED
ON SPEED AND OPTIMAL SERVICE
EXPERIENCE
İşbank offers innovative retail cash
management products that make life
easier for its customers. Taking a proactive
approach to tracking its customers’ changing
demands and needs, İşbank consistently
improves its lineup of products and services.
Offering innovative payment and
investment management services with
“Sınırsız Otomatik Servis” (“Unlimited
Automated Service” - SOS) and “Maksimum
Hesap” (“Maximum Account”) services,
İşbank facilitates bill payment of 456
different enterprises through various
banking channels or automated payment
order.
İşbank provides its customers with
multidimensional advantages via its retail
cash management products. Eliminating
the need for the customer to keep track
of payment and investment transactions,
these products ensure failproof payments
and convert account balances into
investments.
DIVERSIFICATION EFFORTS
In 2012 activities aimed at further increasing
the diversity of bill collection channels and
bill collection methods continued. The Bank
introduced bill collection from POS devices
and expanded the use of bill payment
through barcode scanning.
Unlimited Automated Service (SOS)
allows the use of liquid funds available
in investment accounts, the overdraft
account and demand deposits for bill and
other payments. The number of SOS orders
given to the Bank rose by 27% in 2012 and
reached 1,149,088.
The number of orders submitted for
Maximum Account, a product that
automatically uses available account
balances to purchase money-market fund
shares, increased by 30% and reached
858,254 last year.
İŞBANK INTERMEDIATES SALARY AND
PENSION PAYMENTS FOR 1,624,000
INDIVIDUALS.
As of year-end 2012, İşbank intermediated
monthly salary and pension payments
for approximately 1,624,000 individuals,
370,000 of whom are Social Security
Institution (SGK) pensioners. A variety
of products and services made available
exclusively to those who receive their
salaries and pensions through İşbank
contribute significantly to the loyalty that
these customers feel towards the Bank.
İŞBANK WAS ONCE AGAIN THE LEADING
PROVIDER OF CONSUMER LOANS
AMONG PRIVATELY-OWNED BANKS IN
2012.
İşbank’s consumer loan portfolio, consisting
of housing, auto, and general-purpose
loans and overdraft accounts, expanded by
18.8%
(**)
as of year-end 2012 and reached
TL 22.4 billion
(**)
.
İşbank’s market share in consumer loans
increased in 2012. While the consumer
loans balance in the sector overall was
up by 15.4%
(*)(**)
in the 12 months to
end-2012, İşbank grew by 18.8%
(*)(**)
in the same period, outperforming the
sector. Successful campaign management
and sales performance, combined with
accurate pricing and strong relationship
management, contributed substantially to
attaining this performance.
At 11.2%
(*)(**)
at the end of 2011, the overall
consumer loans market share rose to
11.5%
(*)(**)
as of year-end 2012.
AS OF YEAR-END 2012,
İŞBANK INTERMEDIATED
MONTHLY SALARY AND
PENSION PAYMENTS FOR
APPROXIMATELY 1,624,000
INDIVIDUALS, 370,000
OF WHOM ARE SOCIAL
SECURITY INSTITUTION
(SGK) PENSIONERS.
(*)
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.
INTRODUCTION
ACTIVITIES
CORPORATE GOVERNANCE
FINANCIAL INFORMATION AND RISK MANAGEMENT
37
İŞBANK
ANNUAL REPORT 2012
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