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Annual Report 2017Kkb Annual Report Report 2017 KKB ANNUAL KKB ANNUAL REPORTANNUAL 2017 REPORT 2017 This report has been published using 100% recycled paper. ESTABLISHED IN PARTNERSHIP WITH NINE LEADING BANKS IN THE INDUSTRY, KREDI KAYIT BÜROSU (KKB) CONTINUES TO ADD VALUE TO LIFE VIA RISK MANAGEMENT. WHO ARE WE? 81 Letter of Guarantee Status Inquiry (LGSI) 07 About KKB 81 Trade Registry Sharing System (TRSS) 08 Shareholding Structure 83 Collection Scores 09 Vision, Mission and Strategies 83 Inclination Scores 10 Milestones 83 IBAN Validation Service 12 Financial and Operational Indicators 84 LCS Customer Objections Handling System (MIDES) 84 Fraud Attempt Detection and Prevention Service MANAGEMENT 85 Loans Analysis Portal (LAP) 19 Letter from the Chairman 86 Cheque Analysis Portal 21 Letter from the General Manager 87 KKB Unknown Number 24 Board of Directors 87 Loan Utilization Instant Sharing Service (KAPS) 28 Senior Management 30 Members 89 Our Products Provided to TBB Risk Center 32 Organizational Chart 90 Credit Limit-Credit Risk Inquiry and Information Sharing 90 Sharing Information about Protested Bills BUSINESS UNITS 90 Bounced Cheque Inquiry and Information Sharing 36 Information Technologies Department 90 Individual Cheque Inquiry IT System and Software Development 91 Credit Reference System (CRS) IT Service Management Unit 92 Corporate Bureau System (CBS) IT Project Management Unit 93 Customer Objections Handling System (MIDES) IT Infrastructure and Operation Unit 93 Data Verification System (DVS) 43 Marketing and Business Development Department 93 Cheque Report Raw Data Presentation Member Channel Management Unit 93 Risk Report Raw Data Presentation Product Management and Development Unit 95 Cross Cheque Relations Inquiry Corporate Communications Unit 95 Bounced Cheque Warning System CRM and Channel Management Unit 95 Inquiry and Warning about Entities Prohibited from Participation in Tenders Analytical Model Development Unit 95 Data Sharing about Derivative Transactions Sales Management Unit 96 Paid Bills Inquiry Service Findeks Sales Business Development Unit 96 Sharing Information about Cheques under Interim Injunction 49 Financial Reporting and Financial Affairs Department 96 Sharing Information about Companies that have Declared Bankruptcy/Sus- Financial Affairs and Contract Management Unit pended Bankruptcy/Debt Composition Budget and Reporting Unit 96 Sharing Service about Customers Banned from Using Cheques Procurement Management Unit 96 Customer RA Personal Record Search Service 51 Risk Center Coordination Department 97 Credit Insurance Inquiry and Sharing Risk Center Project and Product Development Unit 97 Risk Center Customer Report Service Business Intelligence and Reporting Unit 97 Acceptance & Rejection Notifications Related to Loan Applications 54 Internal Audit Department 97 Sharing of Internal Rating Scores IT Audit and Business Processes Audit Units 97 Credit Rating Agencies (CRAS) and Sharing of Rating Scores Member Audit Analysis and Coordination Unit 97 Data Updating Application 55 Risk Management Department 97 Data Validation and Sanction Application 57 Human Resources Department 98 Official Institution and Customer Information Request Services 58 Communication Center Department 98 Member Request Management Services Member Communication Center (MCC) 98 Risk Center Bulletin and Statistics Publication Services Customer Communication Center (CCC) 98 CTMCRS Inquiry Service 60 Legal Compliance and Operations Department 99 BKM Member Merchant Turnover Information Inquiry Legal Compliance Unit 99 RC Warning Services Operations Center Unit 99 Individual Inquiry Unit Query 61 Internal Control Department 99 Force Majeure Inquiry Information Systems Control Unit Business Processes and Financial Control Unit 101 Findeks 62 Legal Consultancy Department 101 Findeks Audits Conducted, Sanctions and Penalties Imposed During the Period 102 Findeks Credit Rating Competitions Status of the Executives of the Company 102 Risk Report Remuneration of the Members of the Board of Dırectors and Senior Managers 102 Cheque Report Dividend Distribution Proposal 102 Cheque Index 64 Committees Department 103 Warning Service 103 Tracer ACTIVITIES 104 Rating Consultancy 68 Our Holistic Products and Services 104 Findeks QR Code Cheque System 70 KKB’s Products and Services 104 Letter of Guarantee Status Inquiry (LGSI) 71 Limit Control System (LCS) 71 Personal Credit Rating (PCR) 107 KKB Anadolu Data Center 72 False Information/Document/Declaration/Application Alert System (SABAS) 108 Technical Features of KKB Anadolu Data Center 72 Internet Frauds Alert System (IFAS) 108 Fast and Continuous Accessibility 73 Personal Indebtedness Index (PII) 75 Risk Report OUR SOCIAL CONTRIBUTION 76 Cheque Report 113 You Imagine, We Realize 77 GeoMIS – Map-Based Reporting Service 113 The Audio Question Bank 78 Agricultural Loan Assessment System (TARDES) 114 “If You Are There, We Are There, Too” 79 Cheque Index 114 KKB’s Running Team 79 Central Decision Support Systems (CDSS) 114 Steptember Donation Campaign 80 Commercial Credit Rating (CCR) 114 KKB Social Responsibility Club 80 Prescribed Accounts 80 Address Processing Service REPORTING 81 Cheque Status Inquiry 118 Declaration of Conformity for the Annual Report 81 Farmer Registry System (FRS) 120 Agenda of the Ordinary General Assembly WHO ARE WE? KKB OFFERS THE SERVICES REQUIRED BY FINANCIAL SECTOR COMPANIES AS WELL AS THE REAL SECTOR TO CONDUCT APPROPRIATE RISK MANAGEMENT. 6 KREDİ KAYIT BÜROSU ANNUAL REPORT 2017 01. ABOUT KKB Accounting Period of Report Kredi Kayıt Bürosu (KKB) was founded on mers. Upon transfer of the Risk Centrali- 01.01.2017 – 31.12.2017 April 11, 1995 as a partnership between zation Center within the organization of nine leading banks. As of year-end 2017, the Central Bank of Turkey, the Risk Center Trade Name KKB, a highly regarded financial insti- of the Banks Association of Turkey star- KKB Kredi Kayıt Bürosu A.Ş. tution, had 156 members: 44 banks, 61 ted up operations on 28 June 2013. KKB factoring, 23 leasing, four insurance, 14 conducted all operational and technical Trade Registration Number consumer finance, seven asset manage- activities through its own organization as 329148-276730 ment companies and three other types of an agency of the Risk Center of TBB and companies. As required by Banking Law providing data collection and sharing ser- MERSİS Number No: 5411 (Article 73/4), KKB was establis- vices to 177 financial institutions which 0564-0004-2270-0011 hed by at least five banks to facilitate the are members of the Risk Center. exchange of information and documents Address between financial institutions. Under the KKB offers its services not only to finan- Barbaros Mah. Ardıç Sok. Varyap same article, corporate members have cial institutions, but also to individuals Meridian F Blok ATAŞEHİR-ISTANBUL been sharing customers’ credit informa- and the real sector through “Cheque Re- tion since April 1999. port” and “Risk Report” systems launched Anadolu Kurumlar Tax in January 2013. In September 2014, KKB Office/Tax Number With Law No. 6111 issued on February 25, gathered its services aimed at individual 564 000 4227 2011, Additional Article 1 and Provisional customers and the real sector under the Article 28 were added to Banking Law umbrella of Findeks, the consumer servi- Phone Number No. 5411. Pursuant to Additional Article 1, ce platform of KKB. In addition to develo- +90 216 579 29 29 a Risk Center has been established within ping new products and services during the organization of the Banks Association the year, KKB continued to create added Fax Number of Turkey (TBB) to collect the risk data of value for the banking-finance industry pri- +90 216 455 45 36 customers of credit institutions and any marily, as well as the real sector, through financial institutions deemed appropriate partnerships across different industries. Website by the Banking Regulation and Supervisi- Ultimately, through the QR Code Cheque www.kkb.com.tr on Agency and to share such data with System – launched by KKB in 2015, beca- the referenced institutions and with the me mandatory by law in 2016, and entered Call Center customers themselves, or with any pri- into force as of January 1, 2017 – an impor- 444 99 64 – [email protected] vate legal entities and third real people tant step was taken for a more transpa- if consent has been given by the custo- rent and secure commercial transactions. RELIABLE PARTNERSHIP IN FINANCIAL RISK MANAGEMENT WHO ARE WE? 7 02. SHAREHOLDING STRUCTURE AKBANK T.A.Ş. 9.09% YAPI VE KREDI BANKASI A.Ş. TÜRKIYE GARANTI 18.18% BANKASI A.Ş. 9.09% TÜRKIYE IŞ BANKASI A.Ş. 9.09% TÜRKIYE HALK T.C. ZIRAAT BANKASI A.Ş. BANKASI A.Ş. 18.18% 9.09% DENIZBANK A.Ş. 9.09% T. VAKIFLAR ŞEKERBANK T.A.Ş. BANKASI T.A.O. 9.09% 9.09% Kredi Kayıt Bürosu (KKB) was established on April 11, 1995 with the participation of nine leading banks. 8 KREDİ KAYIT BÜROSU ANNUAL REPORT 2017 03. VISION, MISSION AND STRATEGIES Vision Mission TO BECOME AN EXEMPLARY, LEADING CREDIT BU- TO OFFER THE INFORMATION AND TECHNOLOGY REAU IN THE WORLD AND A GROWING ASSET FOR THAT MEETS THE FINANCIAL NEEDS OF THE FI- TURKEY, BY EXCEEDING EXPECTATIONS WITH IN- NANCIAL INDUSTRY AND THE REAL SECTOR, IN NOVATIVE PRODUCTS AND SERVICES. THE BEST WAY, TO INCREASE THE OPERATIONAL EFFICIENCY OF THE INSTITUTIONS IT SERVES. Strategies › TO ENSURE THE ENRICHMENT OF THE EXISTING REDUCING THE REAL SECTOR’S COSTS OF AC- DATABASE BY BETTER MANAGING CUSTOMER CESSING INFORMATION TECHNOLOGIES, RISK WITH VALUE ADDED PRODUCTS AND SER- › TO PROVIDE COMPREHENSIVE REPORT
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