DOCSLIB.ORG

Faruk Özbay-Proje

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Faruk Özbay-Proje GED İZ ÜN İVERS İTES İ YÜKSEK L İSANS B İTİRME PROJES İ KATILIM BANKACILI ĞI VE TÜRK İYE'DEK İ UYGULAMALARI Faruk ÖZBAY Proje Danı şmanı:Doç.Dr.Erhan DEM İREL İ İZM İR 2014 GED İZ ÜN İVERS İTES İ SOSYAL B İLİMLER ENST İTÜSÜ (YÜKSEK L İSANS B İTİRME PROJES İ) KATILIM BANKACILI ĞI VE TÜRK İYE'DEK İ UYGULAMALARI Faruk ÖZBAY Tez Danı şmanı:Doç.Dr.Erhan DEM İREL İ İZM İR,2014 PROJE DANI ŞMANI VE ENST İTÜ MÜDÜRLÜ ĞÜ ONAYI Proje Danı şmanı İmza Doç.Dr.Erhan DEM İREL İ Faruk ÖZBAY tarafından yüksek lisans projesi olarak hazırlanan " KATILIM BANKACILI ĞI VE TÜRK İYE'DEK İ UYGULAMALARI " ba şlıklı bu çalı şma Gediz Üniversitesi Lisansüstü E ğitim ve Ö ğretim Yönetmeli ği ile Gediz Üniversitesi Sosyal Bilimler Enstitüsü E ğitim ve Ö ğretim Yönergesi'nin ilgili hükümleri uyarınca tarafımız dan de ğerlendirilerek,bu çalı şma ba şarılı bulunmu ştur. i ÖZET KATILIM BANKACILI ĞI VE TÜRK İYE'DEK İ UYGULAMALARI ÖZBAY,Faruk Yüksek Lisans Projesi,Gediz Üniversitesi Sosyal Bilimler Enstitüsü OCAK,2014 Danışmanı: Doç.Dr.Erhan DEM İREL İ Bu projede bankacılık sektörünün tarihi geli şimi,kullanılan ürünler,faizsiz bankacılık ve faizsiz bankacılı ğın Türkiye'deki geli şimi incelenmi ştir. Kuran-ı Kerim'de faizin kesinlikle haram kılınmasından sonra,faizsiz bankacılık alanında geli ştirilen ürünlerin neler oldu ğunu anlatan bölümlerden olu şmaktadır.Bankacılık sektöründe katılım bankalarının payı anlatılı ştır. Son bölümlerde ise faizsiz bankacılı ğın önündeki problemlerden bahsedilmi ş ve çözüm önerileri incelenmi ştir.Sonuç olarak mevduat bankaları ile katılım bankacılı ğı fon aktarımı bakımından ortak özellik göstersede, i şlem şekillerinin farklı olması faaliyetlerine yansımaktadır. Anahtar Sözcükler: Bankacılık tarihi,Katılım bankacılı ğı, Ekonomi, Yöntem ii ABSTRACT PARTICIPATION BANKING AND APPLICATIONS IN TURKEY ÖZBAY,Faruk Master project, Gediz University The Institute of Social Sciences JANUARY,2014 Advisor:Doç.Dr.Erhan DEM İREL İ In this project, the historical development of the banking sector, used products, Islamic banking and Islamic banking development in Turkey has been analyzed. Strictly forbidden in the Quran after interest, developed in the field of Islamic banking products consist of the section describing what is going on. Share of participation banks in the banking sector have been described. In the last chapters of the problems mentioned in front of the Islamic banking and solutions have been investigated. As a result, deposits of banks with the participation banking Although a common feature in terms of the transfer of funds, the transaction is reflected in the way activities are different. Keywords: banking history, participation banking, Economics, Methods iii TE ŞEKKÜR Bu çalı şma süresince her türlü bilgi ve deneyimlerini aktarmaktan çekinmeyen,yakın ilgi ve samimiyeti ile de manevi destek veren de ğerli hocam sayın Doç.Dr.Erhan DEM İREL İ 'ne canı gönülden te şekkürlerimi sunarım. Bu zor süreçte deste ğini esirgemeyen de ğerli hocam Yrd.Doç.Dr. Mustafa KIRLI 'ya da canı gönülden te şekkürlerimi borç bilirim. iv İÇİNDEK İLER Sayfa No: PROJE DANI ŞMANI VE ENST İTÜ MÜDÜRLÜ ĞÜ ONAYI………… ...…i ÖZET……………………………………………………………………………..ii ABSTRACT……………………………………………………………………...iii TE ŞEKKÜR……………………………………………………………………..iv İÇİNDEK İLER…………………………………………………………...……..v TABLOLAR LİSTES İ…………………………………………….……………xi GRAF İKLER L İSTES İ…………………………………………..……… …...xii KISALTMALAR L İSTES İ……………………………………..…………….xiii GİRİŞ …………………………………………………………………..………..1 1.BÖLÜM GENEL OLARAK BANKACILI ĞA B İR BAKI Ş 1.BANKACILI ĞIN TAR İHSEL GEL İŞİ Mİ .................................................................. 2 1.1. BANKACILIK TAR İHİ .......................................................................................... 2 1.2. TÜRK İYE ’DEK İ BANKACILIK TAR İHİ .................................................................. 7 1.2.1. Cumhuriyet Dönemi Öncesi Türk Bankacılı ğı ....................................... 8 1.2.2. Cumhuriyet Döneminde Türk Bankacılı ğı ............................................. 9 1.2.2.1 Büyük Çapta Devlet Bankalarının Kurulu ş Dönemi(1933-1944) . 11 v 1.2.2.2.Özel Bankalar Dönemi(1945-1960) .............................................. 12 1.2.2.3 Planlı Dönem(1961-1979) ............................................................. 12 1.2.2.4 1980 Sonrası Bankacılık ............................................................... 14 1.2.2.5 Günümüz Türk Bankacılı ğı ........................................................... 16 1.2.2.5.1 Yeniden Yapılandırma Dönemi (2002 – 2013) ...................... 16 2.BÖLÜM KATILIM BANKACILI ĞI VE TÜRK İYE'DEK İ İŞ LEY İŞ LER İ 2.FA İZS İZ BANKACILIK SİSTEM İ VE KATILIM BANKALARI ...................... 18 2.1 FAİZ KAVRAMI VE ÇEŞİ TLER İ ........................................................................... 18 2.2.F AİZS İZ BANKACILI ĞIN ORTAYA ÇIKMA NEDENLER İ ....................................... 21 2.2.1 Dini Nedenler ....................................................................................... 22 2.2.2 Ekonomik Nedenler ............................................................................... 23 2.2.3 Sosyal Nedenler .................................................................................... 24 2.3.D ÜNYADA FAİZS İZ BANKACILIK ....................................................................... 24 2.3.1 Dünyada Faizsiz Bankacılık Olu şumu ................................................. 24 2.3.2 Dünyada Faizsiz Bankacılık Çalı şmaları ............................................. 26 2.3.2.1 Mısır ............................................................................................... 26 2.3.2.2 Kuveyt ve Di ğer Körfez Ülkeleri .................................................. 26 vi 2.3.2.3 Malezya ......................................................................................... 27 2.3.2.4 İngiltere .......................................................................................... 28 2.3.2.5 Suudi Arabistan ............................................................................. 28 2.3.2.6 İran ve Pakistan ............................................................................. 29 2.3.2.7 Sudan ............................................................................................. 30 2.4 TÜRK İYE 'DE BANKACILIK ................................................................................. 30 2.4.1 Türkiye'de Bankaların Kurulu ş Ko şulları ............................................ 30 2.5 TÜRK İYE ’DE FAİZS İZ BANKACILIK ................................................................... 34 2.5.1 Türkiye'de Katılım Bankalarının Kurulu ş Nedenleri ............................ 35 2.5.1.1 Dı ş Faktörler .................................................................................. 35 2.5.1.2 İç Faktörler ................................................................................... 36 2.5.2 Türkiye’de Faizsiz Bankacılı ğın Olu şumu .......................................... 37 2.5.3. Türkiye’de Faizsiz Bankacılı ğın Geli şimi ............................................ 38 2.5.4 Türkiye'de Faaliyet Gösteren Katılım Bankaları ................................ 39 2.5.4.1 Albaraka Türk Katılım Bankası A. Ş. ............................................. 39 2.5.4.2 Kuveyt Türk Katılım Bankası A. Ş. ............................................... 39 2.5.4.3 Türkiye Finans Katılım Bankası A. Ş. ........................................... 40 2.5.4.4 Asya Katılım Bankası A. Ş. ........................................................... 42 vii 3.BÖLÜM TÜRK İYE’DE KATILIM BANKALARI TARAFINDAN KULLANILAN MODEL VE ÜRÜNLER 3. FA İZS İZ BANKACILIKTA KULLANILAN YÖNTEMLER ....................... 43 3.1. FON TOPLAMA YÖNTEMLER İ ........................................................................... 44 3.1.1 Özel Cari Hesap .................................................................................. 44 3.1.2.Yatırım Hesabı (Kar-Zarar Katılımı) ................................................... 45 3.1.3.Kıymetli Madenler Hesabı .................................................................... 46 3.2. FON KULLANDIRMA YÖNTEMLER İ ................................................................... 46 3.2.1 Nakdi Kredilerde Kullanılan Ürünler .................................................. 46 3.2.1.1 Murabaha (Kurumsal Finansman Deste ği) .................................... 47 3.2.1.2 Mudaraba(Kar-Zarar katılımı) ....................................................... 48 3.2.1.3.Mu şaraka(Ortaklık) ....................................................................... 49 3.2.1.4. Mü şaraka Mutanakısa ................................................................... 50 3.2.1.5. Müzaraa ve Musakat ..................................................................... 50 3.2.1.6. İcara .............................................................................................. 51 3.2.1.7 İcara ve İktina(Finansal Kiralama) ............................................... 52 3.2.1.8 Selem veya Selef ........................................................................... 52 viii 3.2.1.9 Karz-ı Hasen .................................................................................. 52 3.2.1.10 Mal Kar şılı ğı Vesaikin Finansmanı ............................................. 53 3.2.1.11 Döviz Kredisi ............................................................................... 53 3.2.1.12 Tavarruk ....................................................................................... 53 3.2.2 Gayri
Load more

Recommended publications
  • Fil-Fibabanka A
    HSBC PORTFÖY DEĞİSKEN FON 01/08/2017 - 31/08/2017 Tarihleri Arası Fon Raporu I - FONU TANITICI BİLGİLER ---------------------- A) FONUN ADI..........................:HSBC PORTFÖY DEĞİSKEN FON B) KURUCUNUN ÜNVANI...................:HSBC PORTFÖY YÖNETİMİ A.Ş. C) YÖNETICININ ÜNVANI.................:HSBC PORTFÖY YÖNETİMİ A.Ş. D) FON PAY SAYISI.....................:10,367,021 E) FON TOPLAM DEĞERİ..................:21,563,999.36 F) TEDAVÜLDEKİ PAY SAYISI.............:349,814 G) FONUN KURULUŞ TARİHİ...............:26/12/1989 H) FONUN SÜRESİ.......................:Süresiz II- FONUN PERFORMANSINA İLİŞKİN ÖZET BİLGİLER ----------------------------------------- A) AY SONU PAY FİYATI.................:61.644186 B) ÖNCEKİ AY PAY FİYATI...............:60.338089 C) AYLIK PAY FİYATI ARTIŞ ORANI.......:2.16 D) YILBAŞINA GÖRE FİYAT ARTIŞ ORANI...:29.37 E) YILLIK PAY FİYATI ARTIŞ ORANI......:34.55 F) AYLIK ORTALAMA PORTFÖYDEKİ MENKUL KIYMETLER YÜZDESİ Hisse Senetleri :46.29 Hazine Bonosu Repo :0.46 Devlet Tahvili Repo :6.27 Hazine Bonosu :0.00 Devlet Tahvili :23.89 OTC Opsiyonlar :0.00 Vadeli İşlemler :0.57 Kıymetli Madenler :0.00 Özel Sektör Tahvili :20.81 Finansman Bonosu :1.71 Eurobond :0.00 Yabancı Tahvil :0.00 Yabancı Hisse :0.00 G) AYLIK ORTALAMA TEDAVÜL ORANI :3.30 H) AYLIK ORTALAMA PORTFÖY DEVİR HIZI Hisse Senetleri :3.15 Hazine Bonosu :0.00 Devlet Tahvili :0.00 OTC Opsiyonlar :0.00 Vadeli İşlemler :1.00 Kıymetli Madenler :0.00 Özel Sektör Tahvili :100000.00 Finansman Bonosu :0.00 Eurobond :0.00 Yabancı Tahvil :0.00 Yabancı Hisse :0.00 I) PORTFÖYÜN ORTALAMA VADESİ :695.21 İ) KATILMA PAYI İHRAÇLARINDAN KAYNAKLANAN NAKİT GİRİŞLERİ : 2,622,146 J) KATILMA PAYI İADELERİNDEN KAYNAKLANAN NAKİT ÇIKIŞLARI : 2,781,105 III- FON PORTFÖY DEĞERİ TABLOSU -------------------------- Nominal Rayiç Değeri Değeri (%) ----------------------- ----------------------- ---------- Hisse Senetleri Akbank 0 4.53 .00 Aksa Enerji Üretim A.Ş.
    [Show full text]
  • The Cause of Misfire in Counter-Terrorist Financing Regulation
    UNIVERSITY OF CALIFORNIA RIVERSIDE Making a Killing: The Cause of Misfire in Counter-Terrorist Financing Regulation A Dissertation submitted in partial satisfaction of the requirements for the degree of Doctor of Philosophy in Political Science by Ian Oxnevad June 2019 Dissertation Committee: Dr. John Cioffi, Chairperson Dr. Marissa Brookes Dr. Fariba Zarinebaf Copyright by Ian Oxnevad 2019 The Dissertation of Ian Oxnevad is approved: ________________________________________________ ________________________________________________ ________________________________________________ Committee Chairperson University of California, Riverside ABSTRACT OF THE DISSERTATION Making a Killing: The Cause of Misfire in Counter-Terrorist Financing Regulation by Ian Oxnevad Doctor of Philosophy, Graduate Program in Political Science University of California, Riverside, June 2019 Dr. John Cioffi, Chairperson Financial regulations designed to counter the financing of terrorism have spread internationally over past several decades, but little is known about their effectiveness or why certain banks get penalized for financing terrorism while others do not. This research addresses this question and tests for the effects of institutional linkages between banks and states on the enforcement of these regulations. It is hypothesized here that a bank’s institutional link to its home state is necessary to block attempted enforcement. This research utilizes comparative studies of cases in which enforcement and penalization were attempted, and examines the role of institutional links between the bank and state in these outcomes. The case comparisons include five cases in all, with three comprising positive cases in which enforcement was blocked, and two in which penalty occurred. Combined, these cases control for rival variables such as rule of law, state capacity, iv authoritarianism, and membership of a country in a regulatory body while also testing for the impact of institutional linkage between a bank and its state in the country’s national political economy.
    [Show full text]
  • Sıra No Kod Banka Adı Kod Banka
    Tablo: TCMB Ödeme Sistemleri Katılımcı Listesi (2020) Koda Göre Sıralama Alfabetik Sıralama SIRA NO KOD BANKA ADI KOD BANKA ADI 1 0001 T.C. MERKEZ BANKASI 0100 ADABANK A.Ş. 2 0004 İLLER BANKASI A.Ş. 0046 AKBANK T.A.Ş. 3 0010 T.C.ZİRAAT BANKASI A.Ş. 0143 AKTİF YATIRIM BANKASI A.Ş. 4 0012 T. HALK BANKASI A.Ş. 0203 ALBARAKA TÜRK KATILIM BANKASI A.Ş. 5 0014 T. SINAİ KALKINMA BANKASI A.Ş. 0124 ALTERNATİFBANK A.Ş. 6 0015 T. VAKIFLAR BANKASI T.A.O 0135 ANADOLUBANK A.Ş. 7 0016 T. EXİMBANK 0091 ARAP TÜRK BANKASI 8 0017 T. KALKINMA BANKASI A.Ş. 0149 BANK OF CHINA TURKEY A.Ş. 9 0029 BİRLEŞİK FON BANKASI A.Ş. 0142 BANKPOZİTİF KREDİ VE KALK.BANK.A.Ş. 10 0032 T. EKONOMİ BANKASI A.Ş. 0029 BİRLEŞİK FON BANKASI A.Ş. 11 0046 AKBANK T.A.Ş. 0125 BURGAN BANK A.Ş. 12 0059 ŞEKERBANK T.A.Ş. 0092 CITIBANK A.Ş. 13 0062 T. GARANTİ BANKASI A.Ş. 0134 DENİZBANK A.Ş. 14 0064 T. İŞ BANKASI A.Ş. 0115 DEUTSCHE BANK A.Ş. 15 0067 YAPI VE KREDİ BANKASI A.Ş. 0138 DİLER YATIRIM BANKASI A.Ş. 16 0091 ARAP TÜRK BANKASI 0103 FİBABANKA A.Ş. 17 0092 CITIBANK A.Ş. 0150 GOLDEN GLOBAL YATIRIM BANKASI A.Ş.(*) 18 0096 TURKISH BANK A.Ş. 0139 GSD YATIRIM BANKASI A.Ş. 19 0098 JPMORGAN CHASE BANK N.A. 0123 HSBC BANK A.Ş. 20 0099 ING BANK A.Ş. 0109 ICBC TURKEY BANK A.Ş. 21 0100 ADABANK A.Ş.
    [Show full text]
  • Participation Banking in Turkey and Its Effects on the Turkish Financial System
    Balkan and Near Eastern Journal of Social Sciences Varsak, 2017 (03) Special Issue: Balkan ve Yakın Doğu Sosyal Bilimler Dergisi Economic and Social Development in Balkan Countries Participation Banking in Turkey and Its Effects on the Turkish Financial System Dr. Serkan VARSAK1 1 Bilecik Şeyh Edebali Üniversitesi, [email protected] Abstract: The share of participation banking in the banking system keeps increasing both in Turkey and the world. Participation banking is not a rival to the conventional banking system but it is an integral part of the system. Participation banking and its tools contribute to the increase in the financial depth in Turkey. The share of participation banking in total banking system in Turkey is about 5 percent which is lower than expectations. In this study, operations of participation banking in Turkey and its complementary effects on the financial system have been analyzed. Keywords: Participation Banks, Turkish Financial System, Participation Banking The main function of participation banking is the Introduction contribution it makes to the real economy. Depositors who wish to engage in economic Interest-free financial instruments and activities such as production, service, investment, participation banks offer banking services for the etc. may be included in the participation banking procurement of machinery, equipment and real system in an attempt to transform their savings estate needed by the trade and industry. The basic into a production input. Ultimately, people tend to dynamic in this system is to share both profit and route their saving into the participation banking loss with the depositors without giving a fixed system in Turkey and the Islamic banking system in income guarantee.
    [Show full text]
  • Entegre Yöntemlerle Türk Bankacılık Sisteminde Ortaklık Yapısı Odaklı İnceleme
    ISSN 1300-4646 | e-ISSN 2147-7582 Research Article/ Araştırma Makalesi Entegre Yöntemlerle Türk Bankacılık Sisteminde Ortaklık Yapısı Odaklı İnceleme M. Esra ATUKALP1 Geliş Tarihi/ Received Kabul Tarihi/ Accepted Yayın Tarihi/ Published 24/07/2020 11/02/2021 15/04/2021 Citation/Atıf: Atukalp, M. E., (2021), Entegre Yöntemlerle Türk Bankacılık Sisteminde Ortaklık Yapısı Odaklı İnceleme, Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, 35(2): Sayfa: 469-496, https://doi.org/10.16951/atauniiibd.773337 Öz: Bu çalışmanın amacı Türk bankacılık sisteminde faaliyet gösteren mevduat bankalarının Entropi ile ağırlıklandırılmış Mabac yöntemi ile performanslarını belirlemek ve ortaklık yapısının performansa etkisini ortaya koymaktır. Bu doğrultuda performansın belirlenmesinde ele alınan finansal oranların ve ağırlıklarının belirlenmesi için Entropi, performans değer ve sıralamalarının belirlenmesi için Mabac çok kriterli karar verme teknikleri kullanılmıştır. Söz konusu performansa ortaklık yapısının etkisinin belirlenmesinde ise Mann- Whitney U testi kullanılmıştır. Analiz 2014-2019 döneminde faaliyet gösteren mevduat bankaları ele alınarak gerçekleştirilmiştir. Analiz sonucunda Rabobank’ın dönemin çoğunluğunda performansı en iyi olan banka olduğu gözlemlenmiştir. Kriterler arasında yer alan likidite oranının Entropi yöntemi ile belirlenen ağırlığının çok olması ve ele alınan dönemde, sistemde faaliyete yeni başlayan söz konusu bankanın kredi miktarı ile bağlantılı olarak likiditesinin fazlalığı özellikle ilk yılların sonuçlarında etkilidir.
    [Show full text]
  • Do Participation Banks Contribute to Economic Growth? Time-Series Evidence from Turkey
    bilimname XLII, 2020/2, 155-180 Arrival Date: 6.19.2020, Accepted Date: 10.20.2020, Publishing Date: 10.31.2020 doi: http://dx.doi.org/10.28949/bilimname.811760 DO PARTICIPATION BANKS CONTRIBUTE TO ECONOMIC GROWTH? TIME-SERIES EVIDENCE FROM TURKEY Ali Gökhan YÜCELa b Ahmet KÖSEOĞLU Abstract One of the most important goals of developing nations is to achieve rapid economic growth. There is a consensus in the literature of economics that a well- developed financial sector will accelerate economic growth. However, few studies have examined the link between participation banks and economic growth. To contribute to the literature, this study aims to analyze the relationship between participation banks and economic growth for the case of Turkey. To reach this purpose, we established a neoclassical growth model by employing gross domestic product, total credits given by participation banks, gross fixed capital formation and the number of employed persons using time series data covering the period of 2005Q4-2020Q2. We conducted a battery of unit root tests, co-integration, and causality tests. The results reveal that there is a long run stable relationship among the variables. As for the long-run estimators, a 1% increase in gross fixed capital formation, employment and credits given by participation banks will lead to 0.715%, 0.422% and 0.021% increase in economic growth in Turkey. These findings suggest that participation banks, as well as capital and labor, have a statistically significant impact on the economic growth of Turkey. The causality test results show that there is a one- way causal relationship from participation banks’ funds to economic growth both in the short and long run but not vice versa.
    [Show full text]
  • Mergers and Acquisitions Report Turkey 2013
    Mergers and Acquisitions Report Turkey 2013 January 2014 Foreword In 2013, many countries continued to be impacted by the global economic crisis and political and economic troubles still dominated agendas. Yet, Turkey, with its economy still growing, albeit to a lesser extent than in previous years, continued to distinguish itself as a successful, important and attractive country to invest in, not only in its region but in the world. In a year when global mergers and acquisitions volume slowed down, Turkey also experienced a slight decrease in transaction volume but reached a record high in terms of the number of deals. After such a year, we are delighted to share the twelfth “EY Mergers and Acquisitions Report”, a widely respected and much used reference material by all market players. The EY Mergers and Acquisitions Report 2013 is a thorough compilation of the facts and trends in mergers and acquisitions that were realized in Turkey in 2013, including comparisons with previous years. The Report also presents the results of our traditional “Mergers and Acquisitions in Turkey Survey” whose participants comprised shareholders and upper management of prominent public companies and private sector establishments in Turkey. We thank the survey participants for their contributions and support, as well as the EY Corporate Finance Team who prepared the EY Mergers and Acquisitions Report 2013. Mustafa Çamlıca Müşfik Cantekinler EY Turkey EY Turkey Country Leader Head of Corporate Finance Services 15 January 2014 Content General evaluation 5 Investor profile 8 Sectoral breakdown 12 Public sector deals 14 Transaction volumes 15 2014 overview 16 The overlook of the Turkish Business World towards the M&A Market 18 List of M&A transactions in 2013 25 Basis of preparation of the study 32 Mergers and Acquisitions Report Turkey 2013 General evaluation In a year when developed countries, many of them European, achieved limited growth, Turkey stood out by meeting growth expectations and exceeding the previous year’s growth rate.
    [Show full text]
  • Banking Focusing on Human and Production
    BANKING FOCUSING ON HUMAN AND PRODUCTION 2020 ANNUAL REPORT Türkiye Finans Katılım Bankası A.Ş. - Annual Report Reporting Period: 01.01.2020 - 31.12.2020 Corporate Title: Türkiye Finans Katılım Bankası Anonim Şirketi Headquarters Address: Saray Mahallesi Sokullu Caddesi No: 6 Ümraniye/İstanbul Headquarters Telephone: 0216 676 20 00 (pbx) Headquarters Fax: 0216 676 29 05 Website: www.turkiyefinans.com.tr E-mail: [email protected] Registered E-mail: [email protected] SWIFT Code: AFKBTRIS Trade Register No: 401492 İstanbul Trade Register Directorate Central Registry (MERSİS) No: 0068006387095226 CONTENTS Presentation Management and Corporate Financial Information and Assessment Governance Practices On Risk Management 2 Türkı̇ye Fı̇nans in Brief 50 Independent Auditor’s Report on 78 The Audit Committee’s Assessment 3 Our Vision, Our Mission, Our The Annual Report of The Board of of Internal Audit, Internal Control, Corporate Values Directors Risk Management and Compliance 4 Türkı̇ye Fı̇nans’ Milestones Functions; Committee Activities 52 Board of Directors and Audit During The Reporting Period 8 Awards Committee 81 Information Concerning Risk 10 Summary Financial Information 54 Executive Vice Presidents Management Policies by Risk Type 12 Amendments to the Articles of 56 Unit Managers Within Internal 82 Information Concerning Risk Association and their Reasons Systems Management Policies by Risk Type 12 Capital and Shareholder Structure 57 Organization Chart 84 Information Regarding 13 About the National Commercial 58 Governing
    [Show full text]
  • "SOLIZE India Technologies Private Limited" 56553102 .FABRIC 34354648 @Fentures B.V
    Erkende referenten / Recognised sponsors Arbeid Regulier en Kennismigranten / Regular labour and Highly skilled migrants Naam bedrijf/organisatie Inschrijfnummer KvK Name company/organisation Registration number Chamber of Commerce "@1" special projects payroll B.V. 70880565 "SOLIZE India Technologies Private Limited" 56553102 .FABRIC 34354648 @Fentures B.V. 82701695 01-10 Architecten B.V. 24257403 100 Grams B.V. 69299544 10X Genomics B.V. 68933223 12Connect B.V. 20122308 180 Amsterdam BV 34117849 1908 Acquisition B.V. 60844868 2 Getthere Holding B.V. 30225996 20Face B.V. 69220085 21 Markets B.V. 59575417 247TailorSteel B.V. 9163645 24sessions.com B.V. 64312100 2525 Ventures B.V. 63661438 2-B Energy Holding 8156456 2M Engineering Limited 17172882 30MHz B.V. 61677817 360KAS B.V. 66831148 365Werk Contracting B.V. 67524524 3D Hubs B.V. 57883424 3DUniversum B.V. 60891831 3esi Netherlands B.V. 71974210 3M Nederland B.V. 28020725 3P Project Services B.V. 20132450 4DotNet B.V. 4079637 4People Zuid B.V. 50131907 4PS Development B.V. 55280404 4WEB EU B.V. 59251778 50five B.V. 66605938 5CA B.V. 30277579 5Hands Metaal B.V. 56889143 72andSunny NL B.V. 34257945 83Design Inc. Europe Representative Office 66864844 A. Hak Drillcon B.V. 30276754 A.A.B. International B.V. 30148836 A.C.E. Ingenieurs en Adviesbureau, Werktuigbouw en Electrotechniek B.V. 17071306 A.M. Best (EU) Rating Services B.V. 71592717 A.M.P.C. Associated Medical Project Consultants B.V. 11023272 A.N.T. International B.V. 6089432 A.S. Watson (Health & Beauty Continental Europe) B.V. 31035585 A.T. Kearney B.V.
    [Show full text]
  • Participation Banks 2019
    PARTICIPATION BANKS 2019 CONTENTS Bu PDF belge size daha rahat bir navigasyon imkanı sunmak için kodlanmıştır. İçindekilerde yer alan konu başlıklarına tıklayarak, üst menü navigasyonunu ve ileri‑geri oklarını kullanarak ilgili bölümlere ulaşabilirsiniz. Sayfa üstlerinde yer alan üç çizgiye tıklayarak içindekilere geri dönebilirsiniz. ESTABLISHED IN SECRETARY GENERAL E‑MAIL 2002 Osman AKYÜZ [email protected] MEMBERS AUDITORS WEBSITE Participation banks operating in Turkey Süleyman SAYGI‑İsmail GERÇEK www.tkbb.org.tr/en CHAIRMAN HEAD OFFICE Metin ÖZDEMİR Saray Mahallesi, Dr. Adnan Büyükdeniz Ziraat Katılım Bankası A.Ş. Caddesi Akofis Park C Blok No: 8 Kat: 8 BOARD MEMBERS 34768 Ümraniye/İstanbul Albaraka Türk Katılım Bankası A.Ş. Türkiye Emlak Katılım Bankası A.Ş. PHONE Kuveyt Türk Katılım Bankası A.Ş. +90 216 636 95 00 (PBX) Türkiye Finans Katılım Bankası A.Ş. Vakıf Katılım Bankası A.Ş. FAX Ziraat Katılım Bankası A.Ş. +90 216 636 95 49 PARTICIPATION BANKS 2019 1 INTRODUCTION 2 PARTICIPATION BANKS 2019 PARTICIPATION BANKS 2019 3 PARTICIPATION BANKS ASSOCIATION OF TURKEY IN BRIEF The Participation Banks Association of banking regulations, principles and Turkey (TKBB), headquartered in İstanbul rules, to work for the healthy growth of THE FOUNDATIONS OF and established in accordance with the the banking system and development THE TKBB, THE UMBRELLA Banking Act, is a professional public of the banking profession, increase ORGANIZATION OF THE institution of legal personality. competitiveness, ensure that necessary PARTICIPATION BANKS decisions are taken, implemented and OPERATING IN TURKEY, The foundations of the TKBB, demand to be implemented for the the umbrella organization of the creation of a competitive environment.
    [Show full text]
  • Banks in Turkey 2019
    MAY 2020 9 BANKS IN TURKEY 2019 THE BANKS ASSOCIATION OF TURKEY Nispetiye Caddesi Akmerkez B3 Blok Kat 13 Etiler 34340 ‹stanbul Phone: +90 212 282 09 73 Fax: +90 212 282 09 46 E-mail: [email protected] www.tbb.org.tr BANKS IN TURKEY 201 MAY 2020 BANKS IN TURKEY 2019 Publication No : 337 May 2020 ISBN 978-605-7642-12-7 (Electronic) Copyright © The Banks Association of Turkey, 2020 Publication Name : Banks in Turkey Publication Type : Local Periodical Publication Period : Annual Publication Date : May 2020 Owner of the Publication : The Banks Association of Turkey Managing Director : Dr. Ekrem Keskin Address : Nispetiye Cad. Akmerkez, B3 Blok Kat 13, Etiler, 34340 İstanbul Phone : +90-212-282 09 73 Fax : +90-212-282 09 46 E-mail : [email protected] URL : www.tbb.org.tr/en/home All rights reserved. No part of this report may be reproduced or transmitted, in any form or by any means, electronic, photocopying or otherwise, without the prior written permission of the Banks Association of Turkey. Whilst every effort has been made to ensure that the information contained in this book is correct, the Banks Association of Turkey does not assume any responsibility for any errors or omissions or for any consequences resulting therefrom. This book is prepared from the year-end audited and non-consolidated "The Common Data Set" of deposit banks and development and investment banks, that are prepared in accordance with BRSA's related Communique of "Financial Statements and Related Explanation and Footnotes of Banks That is Disclosed to the Public".
    [Show full text]
  • As Defined in Regulation S) Outside of the U.S
    IMPORTANT NOTICE OFFERINGS UNDER THE PROGRAMME ARE AVAILABLE ONLY TO INVESTORS WHO ARE PERSONS OTHER THAN U.S. PERSONS (AS DEFINED IN REGULATION S) OUTSIDE OF THE U.S. IMPORTANT: You must read the following before continuing. The following applies to the Base Prospectus following this page, and you are therefore advised to read this carefully before reading, accessing or making any other use of the Base Prospectus. In accessing the Base Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them any time you receive any information from the Bank as a result of such access. NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. SECURITIES OFFERED UNDER THE PROGRAMME HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OF THE U.S. OR OTHER JURISDICTION AND THE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE U.S. OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S (“REGULATION S”) UNDER THE SECURITIES ACT), EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE STATE OR LOCAL SECURITIES LAWS. THE FOLLOWING BASE PROSPECTUS MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER AND IN PARTICULAR MAY NOT BE FORWARDED TO ANY U.S.
    [Show full text]