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Financial Health
About Our Value Our 2020 Material Financial Reaching Operational Data and The Best and Most Corporate Financial Reports Introduction Sustainability 100 Garanti BBVA Creation Issue: COVID-19 Health More Customers Excellence Technology Engaged Team Governance and Appendix 101 2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK BURAK ALİ GÖÇER CEO - Garanti BBVA Pension FINANCIAL ELİF GÜVENEN Director - Corporate Brand Management HEALTH and Marketing Communication HÜLYA TÜRKMEN Director - Customer Experience and Satisfaction ZEYNEP ÖZER YILDIRIM Istanbul, Kozyatağı Commercial Branch Manager MAHMUT KAYA CEO - Garanti BBVA Asset Management Scan the QR code to watch the video. TRUST PIONEER SUSTAINABILITY RESPONSIBILTY EXPERIENCE TRANSPARENCY SUCCESS AGILITY EMPATHY DIGITALIZATION Garanti BBVA | Integrated Annual Report 2020 Garanti BBVA | Integrated Annual Report 2020 About Our Value Our 2020 Material Financial Introduction Sustainability 102 Garanti BBVA Creation Issue: COVID-19 Health Financial 7,307 37 min 12 customer Health Related Material Value Drivers Indicators 2019 2020 Topics OFFER OUR CUSTOMERS New and updated products, services and channels SOLUTIONS AND SUGGESTIONS that aim to support the customers in terms of 5 5 THAT CATER TO THEIR NEEDS SO managing their financials AS TO HELP THEM ATTAIN THEIR Customers informed about their financial positions 85% 92% GOALS Disabled-friendly Garanti BBVA ATMs 5,214 5,276 FINANCIAL ADVISORY TO OUR Customers that started using saving products 943,541 898,212 #3 BUSINESS CUSTOMERS TO HELP THEM -
TÜRKİYE İŞ BANKASI A.Ş. U.S.$5,000,000,000 Global Medium
TÜRKİYE İŞ BANKASI A.Ş. U.S.$5,000,000,000 Global Medium Term Note Program Under this U.S.$5,000,000,000 Global Medium Term Note Program (the "Program"), Türkiye İş Bankası A.Ş., a Turkish banking institution organized as a public joint stock company registered with the Istanbul Trade Registry under number 431112 (the "Bank" or the "Issuer"), may from time to time issue notes (the "Notes") denominated in any currency agreed between the Issuer and the relevant Dealer (as defined below). Notes may be issued in bearer or registered form (respectively "Bearer Notes" and "Registered Notes"). The maximum aggregate nominal amount of all Notes from time to time outstanding under the Program will not exceed U.S.$5,000,000,000 (or its equivalent in other currencies calculated as described in the Program Agreement described herein), subject to increase as described herein. The Notes may be issued on a continuing basis to: (a) one or more of the Dealers specified under "Overview of the Group and the Program" and any additional Dealer appointed under the Program from time to time by the Issuer (each a "Dealer" and together the "Dealers"), which appointment may be for a specific issue or on an ongoing basis, and/or (b) one or more investors purchasing Notes directly from the Issuer. References in this Base Prospectus to the "relevant Dealer" shall, in the case of an issue of Notes being (or intended to be) subscribed by more than one Dealer, be to all Dealers agreeing to subscribe such Notes. An investment in Notes issued under the Program involves certain risks. -
Finans Sektörü
Skala Medya’nın iletişim bültenidir FINANS SEKTÖRÜ Skala Medya bu ay “finans” sektörünün 2017 yılındaki medya yatırım performansını mercek altına aldı. Bu raporda, pazarda yer alan markaların medya yatırımları ve tüketici tercihlerini etkileyen dinamikler yer alıyor. SON 3 YILDAKİ TOPLAM MEDYA YATIRIMI 2015 467.000.000₺ Medya yatırımları 2016 yılında bir önceki 2016 yıla göre %4 arterken; 2017'de %14 2017 486.000.000₺ artarak 565.000.000₺ oldu. 565.000.000₺ MEDYA YATIRIMLARINI EN FAZLA ARTTIRAN MARKALAR TEB 128% FİBA BANKA 92% Bir önceki yıla göre medya yatırımlarını QNB FİNANSBANK 56% en fazla arttıran marka Türkiye Ekonomi Bankası oldu. ZİRAAT BANKASI 46% Banka medya bütçesini %128 arttırdı. YAPI KREDİ BANKASI 46% HALKBANK 41% EN AKTİF MEDYA İLETİŞİMİ YAPAN 5 MARKANIN YATIRIM ORANLARI 20 20 20 20 20 20 20 20 20 20 20 20 ORT. ORT. ORT. ORT. ORT. 15 16 ORT. 15 16 15 16 15 16 15 16 15 16 9% 13% 17% 13% 15% 14% 11% 11% 13% 12% 12% 11% 11% 10% 10% 13% 11% 12% GARANTİ AKBANK HALKBANK QNB FİNANSBANK İŞ BANKASI DİĞER Son 2 yılda Garanti Bankası, Akbank ve Halkbank medya iletişimleri en yoğun olan markalardır. 01 MEDYA İLETİŞİMLERİNİN SEGMENT DAĞILIMI SON ÜÇ YILIN ORTALAMASI 2015-2016-2017 VERİLERİ 20 20 20 20 20 20 20 20 20 15 16 17 15 16 17 15 16 17 BİREYSEL İMAJ 61% 31% KURUMSAL 7% 6% 6% 58% 63% 62% 32% 31% 32% 10% BİREYSEL İMAJ KURUMSAL ALT SEGMENTLER 2015 2016 2017 ORT. BİREYSEL 58% 63% 62% 61% KREDİ KARTI 44% 36% 30% 36% BİREYSEL KREDİ 25% 24% 18% 22% Medya iletişimlerinin segment MOBİL BANKACILIK 7% 14% 20% 14% dağılımlarında bireysel yatırımlar VADELİ HESAP 11% 10% 16% 12% toplam iletişimin %61’ini BİREYSEL BANKACILIK 6% 9% 8% 8% oluşturmaktadır. -
Yeni Bir Gelecek!
...yeni bir gelecek! 2017 FAALİYET RAPORU ALTERNATİF BANK 2017 FAALİYET RAPORU İÇİNDEKİLER SUNUŞ 04 Vizyonumuz, Misyonumuz ve Stratejimiz 78 Teftiş Kurulu Başkanlığı 06 Olağan Genel Kurul Gündemi 79 Genel Kurul’a Sunulan Özet Yönetim Kurulu Raporu Birlikte Hep İleri… 07 Banka’nın, Yönetim Kurulu Başkan ve Üyeleri, Denetim 80 Organizasyon Şeması Kurulu Üyeleri ile Genel Müdür ve Yardımcılarının Varsa 82 Banka’nın Dahil Olduğu Risk Grubu İle İlgili Açıklama ve Banka’da Sahip Oldukları Paylara İlişkin Açıklamalar Dipnotlar 26 yıl önce çıktığımız yolculuğa, 2013 yılından 08 Sermaye ve Ortaklık Yapısı 82 Kâr Dağıtım Politikası 09 Alternatif Bank’ın %100 Hissedarı The Commercial Bank 83 2017 Yılı İçinde Yapılan Bağış ve Yardımlar ile Sosyal bu yana eşlik eden The Commercial Bank’la (P.S.Q.C.) Hakkında Sorumluluk Projeleri Çerçevesinde Yapılan Harcamalara 10 Alternatif Bank’ın Tarihsel Gelişimi ve Sektördeki Konumu İlişkin Bilgiler bütünleşmemiz 2017 yılında tamamlandı. 11 Finansal Göstergeler 83 Yönetim Kurulu ve Üst Yönetim’e Ödenen Ücretler 12 Kilometre Taşları 84 İç Sistemler Kapsamındaki Yöneticiler Bankamızın %100 The Commercial Bank iştiraki 14 2017 Yılından Satırbaşları 84 Bağlılık Raporu 16 Yönetim Kurulu Başkanı’nın Mesajı 85 Bankaların Destek Hizmeti Almalarına İlişkin Yönetmelik olmasıyla başlayan süreç yepyeni iş birliği 18 Genel Müdür’ün Mesajı Uyarınca Destek Hizmeti Alınan Faaliyetler 86 Yıllık Faaliyet Raporu Uygunluk Görüşü fırsatlarının önünü açıyor. 87 2017 Yılı Faaliyet Raporu’na İlişkin Sorumluluk Beyanı 2017 YILI FAALİYETLERİ 88 Yıl İçerisinde Olağanüstü Genel Kurul Toplantısı Yapılmışsa, 22 Kurumsal Bankacılık Toplantının Tarihi, Toplantıda Alınan Kararlar ve Buna İlişkin Geleceğimize heyecanla bakarken, 28 Ticari ve KOBİ Bankacılığı Yapılan İşlemler de Dâhil Olmak Üzere Olağanüstü Genel 32 Bireysel Bankacılık Kurul’a İlişkin Bilgiler 34 Hazine Grubu artık değişim zamanı diyoruz…. -
Base Prospectus
BASE PROSPECTUS QNB FİNANSBANK A.Ș. US$5,000,000,000 Global Medium Term Note Programme Under this Global Medium Term Note Programme (the “Programme”), QNB Finansbank A.Ș., a banking institution organised as a joint stock company under the laws of the Republic of Turkey (“Turkey”) registered with the İstanbul Trade Registry under number 237525 (the “Bank” or the “Issuer”), may from time to time issue notes (the “Notes”) denominated in any currency agreed between the Issuer and the relevant Dealer(s) (as defined below) or investor(s). Notes may be issued in either bearer or registered form (respectively, “Bearer Notes” and “Registered Notes”); provided that the Notes may be offered and sold in the United States only in registered form except in certain transactions permitted by U.S. tax regulations. As of the time of each issuance of Notes, the maximum aggregate nominal amount of all Notes outstanding under the Programme will not exceed US$5,000,000,000 (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Notes may be issued from time to time to: (a) one or more of the Dealers specified under “General Description of the Programme - The Programme” and any additional Dealer(s) appointed under the Programme from time to time by the Issuer (each a “Dealer”), which appointment may be for a specific issue or on an ongoing basis, and/or (b) one or more investor(s) purchasing Notes (or beneficial interests therein) directly from the Issuer. INVESTING IN THE NOTES INVOLVES RISKS. -
Yös -2020 Hatali Iban Bilgisi Olan Öğrenci Listesi
YÖS -2020 HATALI IBAN BİLGİSİ OLAN ÖĞRENCİ LİSTESİ Öğrencinin Dikkatine:İade işlemleri yapılmış ancak IBAN numarası ile iade edilecek kişi adı/soyadı uyuşmazlığı veya ıban numarasının hatalı girilmesi nedeniyle iadeler ödeme biriminden geri gelmiştir. Dikkat edilmesi gereken hususlar: • İadelerin yapılabilmesi için mutlaka IBAN numarası verilmelidir. • İade edilecek kişinin ad/soyad bilgileri ve bu kişiye ait IBAN numarasının uyuşması gerekmektedir. • Yapılacak iade Türk Lirası ise verilen IBAN numarasının TR dahil 26 hane olması gerekmektedir. • Yapılacak iade tutarının para cinsine göre (Örnek:TL.-USD-AVRO) banka IBAN numarası verilmesi gerekmektedir. YÖS-2020 HATALI IBAN BİLGİSİ OLAN ÖĞRENCİ LİSTESİ ADAY KREDİ KARTI S.N. NO NO ÖĞRENCİ ADI/SOYADI HESAP SAHİBİ ADI/SOYADI İBAN NO BANKA ADI BIC/SWIFT NO 1 758874 387204 Sarkhan Mammadzada ELVIRA MAMMADOVA AZ03AIIB45810019442100005121 KAPİTAL BANK AIIBAZ2X 2 761418 389292 DAIANA HAMMADI MUHAMMED YUSUF TR6600015001580073083707310 VAKIF BANKASI 3 758245 386790 Karina Panayeva KARİNA PANAYEVA KZ76722C000033463013 KASPİ.KZ 273 4 757255 386232 meryem bircan MERYEM BİRCAN TR730001000749836073465001 ZİRAAT BANKASI SPARKASSE HAMELN- 5 757807 386579 DAMLA CAKA DAMLA CAKA DE86 2545 0110 0160 1387 15 WESERBERGLAND NOLADE21SWB 6 758957 387265 AYSAN FAHIMI AYSAN FAHİMİ IR6037701491151079 KESHAVARZİ 7 750454 391789 GÜNAY SÜRMELİOĞLU GÜNAY SÜRMELİOĞLU TR410001001690867468685004 ZİRAAT BANKASI 8 758411 387868 ALMINA CHAISMAILOVA AYŞE ALİSOY TR10006701000000073994618 YAPIKREDİ GHAZALEH 9 757560 386421 ILIA -
2019 Annual Report
2019 ANNUAL REPORT “A VEHICLE SUITS EVERYONE IS AVAILABLE AT GARANTI BBVA FLEET.” ABOUT GARANTI BBVA FLEET CONTENTS 4 Independent Auditor Report on 48 RISKS AND ASSESSMENTS OF THE BOARD OF DIRECTORS Annual Activity Report by Board of Directors 50 Sectoral Risks 50 Risks from Products and Services 6 ABOUT GARANTI BBVA FLEET 51 Risks Related to the Determination of Used Car Price (RV) 8 Our Vision - Our Mission - Our Strategy 51 Risks Related to the Second Hand Vehicle Sales 9 Our Values 52 Risks Arising from External Factors 10 Corporate Profile 52 Financial Risks 11 Accounting Period 54 Committees 11 Approval of Annual Report 56 Meetings of the Board of Directors 11 Statement of Responsibility 56 Administrative Sanctions and Penalties 11 Shareholder Structure 56 Assessment of Financial Situation, Profitability and Solvency of Indemnity 12 Organizational Structure 56 Grants and Donations 14 Board of Directors 56 The Suits Filed Against the Company and Their Possible Results 18 Senior Management 56 Remarks on the Private Auditing and Public Auditing 20 Message from the Chairman 57 Amendments on Articles of Association 22 Message from the General Manager 57 Significant Events Occurring Up to the Date of the General Assembly Meeting, in which the Relevant Financial Statements Shall Be Discussed, from the Closure of the 24 HUMAN RESOURCES AND TRAINING Accounting Period 26 Human Resources 57 General Assemblies held yearly 3 27 Training Types Training Made During the Year 57 Significant Purchase/Sales of Assets 27 Training Made During the Year -
T.C. Ziraat Bankasi A.S
T.C. ZIRAAT BANKASI A.S. 2013 US Resolution Plan Public Section December 2013 Introduction This is the public section of the plan for resolution (“Resolution Plan”) prepared by Ziraat Bank and required pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd- Frank Act") and regulations of the Federal Deposit Insurance Corporation ("FDIC") and the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The initial Resolution Plan of Ziraat Bank is due on December 31, 2013, with annual updates thereafter. The FDIC and the Federal Reserve have each, by rule and through the supervisory process, prescribed the assumptions, required approach and scope for these resolution plans, and have required that certain information be included in a public section of the resolution plans. This public section of Ziraat’s Resolution Plan adheres to these requirements. Ziraat Bank is defined as a "covered company" under the applicable rules because it is treated as a bank holding company and is supervised by the Federal Reserve and has consolidated assets of $50 billion or more. As such, Ziraat Bank must submit a plan for Ziraat Bank’s rapid and orderly resolution of certain activities in the United States in the event of material financial distress or failure. This Resolution Plan provides an evaluation by Ziraat Bank as to how it can be resolved in the United States under the insolvency regime applicable to its businesses in a way that would not pose serious risk to the financial system. This requires Ziraat Bank to map its core business lines and critical operations (if any) to material entities and provide information on its corporate structure, credit exposure, funding, capital, cash flows, and information with regard to its technology. -
Vulnerability Analysis of Turkish Banks Using Stress Testing and Internal Credit Rating Approach
Journal of Economics, Finance and Accounting – JEFA (2020), Vol.7(2),p.103-119 Ghazavi, Bayraktar Tur VULNERABILITY ANALYSIS OF TURKISH BANKS USING STRESS TESTING AND INTERNAL CREDIT RATING APPROACH DOI: 10.17261/Pressacademia.2020.1207 JEFA- V.7-ISS.2-2020(4)-p.103-119 Masoud Ghazavi1, Sema Bayraktar Tur2 1Financial Specialist, Bank Mellat Headquarters, Tehran, Iran. [email protected] , ORCID: 0000-0002-3973-1076 2Istanbul Bilgi University, Department of Banking and Finance Istanbul, Turkey. [email protected], ORCID: 0000-0002-7564-4148 Date Received: April 2, 2020 Date Accepted: June 15, 2020 To cite this document Ghazavi, M., Tur, S.B,, (2020). Vulnerability analysis of Turkish banks using stress testing and internal credit rating approach. Journal of Economics, Finance and Accounting (JEFA), V.7(2), p.103-119. Permanent link to this document: http://doi.org/10.17261/Pressacademia.2020.1207 Copyright: Published by PressAcademia and limited licensed re-use rights only. ABSTRACT Purpose- This study examines the performance and financial vulnerability of twelve Turkish banks for 2019. Methodology - Stress testing identifies the impact of extreme expected and unexpected shocks to a bank’s capital, provides an assessment of its financial strength to withstand shocks and helps to spot emerging risk(s) and uncover weak spots in the financial institution. It enables banks in identifying their vulnerabilities at an early stage. In addition to stress testing, as for Internal Credit Rating (ICR), some financial ratios have been selected to assess the performance of each bank within banking industry. Findings- All banks in 2019 are within the standard classification of ICR rating except for Şekerbank. -
(As Defined Below) Under Rule 144A Or (2) Non-U.S
IMPORTANT NOTICE THIS OFFERING IS AVAILABLE ONLY TO INVESTORS WHO ARE EITHER (1) QIBS (AS DEFINED BELOW) UNDER RULE 144A OR (2) NON-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 Preliminary Offering Memorandum following this page, and you are therefore advised to read this carefully before reading, accessing or making any other use of the Preliminary Offering Memorandum. In accessing the Preliminary Offering Memorandum, 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. THE SECURITIES 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 PRELIMINARY OFFERING MEMORANDUM 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. -
Deniz Is Everywhere” Public Banking at Denizbank
Contents Section I Introduction 1. DenizBank Financial Services Group 1. DenizBank’s Mission, Vision 2. Ordinary General Assembly Meeting Agenda 2. Dividend Distribution Proposal 3. Amendments to the Articles of Association 3. Changes in Shareholding Structure and Paid-in Capital 3. Shares Held by the Management 3. Ratings of DenizBank by International Rating Agencies 4. Compliance Opinion on the Annual Report 5. Financial Highlights 6. 2009 at a Glance 10. DenizBank in Brief 11. Dexia in Brief 12. Message from the Chairman 16. Message from the CEO 21. Banking Services 33. Investment Banking and Brokerage Services 36. Leasing and Factoring Services 37. Pension and Insurance Services 38. Information Technology Services 39. Cultural Services Section II Management and Corporate Governance 40. Board of Directors 44. Executive Management 47. Auditors 47. Committees 48. Summary Report of Board of Directors to the General Assembly 50. Human Resources 51. Training 51. Related Party Transactions 52. Support Services 52. Donations Made During the Year 53. Report on DenizBank’s Compliance with Corporate Governance Principles Section III Financial Information and Risk Management 64. Auditors’ Report for 2009 65. Assessments of the Audit Committee 66. Internal Audit, Internal Control, Compliance and Risk Management Systems 68. Risk Management Policies 69. Assessment of Financial Position 70. Five-year Summary Financial Highlights Section IV Independent Audit Reports, Financial Statements and Footnotes 73. Consolidated Financial Statements as of December -
Denizbank's Assets Reached 143 Billion TL in Q1 2017 Along with A
PRESS RELEASE May, 5, 2017 DenizBank’s assets reached 143 billion TL in Q1 2017 along with a net profit of 558 million TL DenizBank Financial Services Group CEO Mr. Hakan Ateş stated ”Consolidated assets of our bank operating through 739 branches in 81 provinces of Turkey and abroad with nearly 15 thousand employees reached 143 billion TL by an annual growth of 25% in Q1, 2017 along with a net profit of 558 million TL growing by 86%”. Ateş stated that in 2017 Q1 and on a consolidated basis, DenizBank; Increased its deposits to 95,0 billion TL with a growth of 28% Increased its total loans to 131.4 billion TL with a growth of 27%, Increased the number of its customers to reach 10,6 million with an increase of 1.3 million corresponding to a y-o-y growth since 2016 Stating that DenizBank will continue to expand its branches all around Turkey, especially in Anatolia, Ateş emphasized that offering accessible service to all its customers is among their primal responsibilities. Full support to economic growth in 20th century Stating that DenizBank reached an exciting milestone in 2017 as it was to celebrate its 20th anniversary this year, Hakan Ateş emphasized that the bank continued to carry out leading activities for SMEs and agriculture and tourism sectors having a strategic role in sustainable economic growth and they were proud to serve to Turkey. Indicating that they considered increasing the efficiency of the SMEs for the development of Turkish economy as a social responsibility, Ateş continued by saying that they provided direct financial support to more than 1.4 million SMEs and the growth was higher than that of the banking sector in the last 3 years.