Yapı Kredi

• Retail banking is the leading segment Yapi Kredi focuses on in line with its strategic objectives. Yapi Kredi carries out its retail banking activities under credit cards, individual banking and small and medium size enterprises (SME) (Companies with turnover less than 5 mln USD) banking.



• Retail banking products and services offered to customers include credit cards, consumer loans (including general purpose loans, auto loans and mortgages), commercial installment loans, SME loans, time and demand deposits, investment accounts, life and non-life insurance products and payroll services. Total number of retail branches as of 9M09 is 679.

Credit Cards

• Yapi Kredi was the first bank in Turkey to issue credit cards to individuals in 1988, and since then, has maintained its leadership in the credit card sector. Yapi Kredi is the largest player in Turkey's rapidly growing credit card market, with leading market shares in number of cards, issuing and outstanding volumes.



• Yapi Kredi not only maintains its leadership in credit cards, but this segment continues to be a solid revenue contributor for Yapi Kredi driven by the Bank’s special focus on profitability.



• Credit card operations cover the management of products and services for member merchants as well as sales and marketing operations for a variety of customer types. The clubs and programs under the umbrella of the World brand include Gold Club, Platinum Club, Crystal Club, Travel Club (Travel Program and VIP Travel Program), Adios Card, Play Card (Young Employees Program and Student Program), Business Club (Corporate Program, Trio Program, Company Program and SME Program), Share Program and Communication Program.



• Credit card brand licensing collaboration agreements were started in 2008 by Yapi Kredi in cooperation with Millennium Bank, Anadolubank, Fortis and Vakifbank. As a result of these collaborations, Yapi Kredi’s credit card brand World became Turkey’s largest marketing platform with almost eleven million credit cards. Furthermore, agreements were reached in 2008 for Cyprus Economy Bank and Cyprus Turkish Cooperative Central Bank credit cards to join the World system. The fact that six banks both inside and outside of Turkey chose World clearly proves that the undisputed position and importance of Yapi Kredi in credit cards segment is affirmed by the sector.



Key Highlights:

Contribution to Total Customer Business	9%
Contribution to Total Revenues	22%
Number of Credit Cards*	7.6 million
Number of Merchants	282 thousand
Number of POS	343 thousand

Individual Banking

• Yapi Kredi’s individual banking products and services consist primarily of general purpose loans, car loans, mortgages, credit and debit cards, deposit and overdraft accounts, investment accounts, life and non-life insurance products, payroll services, ATMs, telephone banking, internet banking and mobile banking.



• In individual banking, besides its wide array of products in individual lending, Yapi Kredi also provides its retail customers with loyalty programs so as to strengthen relationships with its customers and increase customer satisfaction.



Key Highlights:

Contribution to Total Customer Business	27%
Contribution to Total Revenues	12%
No. of Customers	5.4 million
Relationship Managers	2,087

SME Banking

• In SME banking, giving priority to getting to know its customers, determining their general requirements and developing solutions accordingly, Yapi Kredi continues to expand its product portfolio according to the various needs and preferences of its SME clients.



• Yapi Kredi’s retail banking activities are supported by an advanced client relationship management (“CRM”) infrastructure, featuring a campaign management functionality which enables Yapi Kredi to focus on specific customer needs and increase its cross selling ratio.




Key Highlights:

Contribution to Total Customer Business	10%
Contribution to Total Revenues	16%
No. of Customers	485 thousand
Relationship Managers	1,394

• Yapi Kredi serves its private banking customers with investment products and services put together specially to meet their expectations. Yapi Kredi is the leader in private banking in Turkey with its customer business volume, total asset size and distribution network.



• Yapi Kredi forms its customer segment-based marketing initiatives according to the evolving needs and expectations of its private banking clients. Among the products and services offered to private banking customers are time deposits, fiduciary deposits, mutual funds, derivative products such as forwards, futures and options, personal loans, foreign exchange, gold and equity trading, pension plans, insurance products, safe deposit boxes and e-banking services.



• Private banking services are further enhances by investment advisory and portfolio management services provided by the Group’s portfolio management and brokerage subsidiaries.


• Yapi Kredi continues to differentiate itself from the competition in private banking with consultancy services as well as exclusive non-financial benefits offered to its clients. Customer analysis conducted regularly for this purpose play a major role in monitoring customer sub-segments with different needs and generating convenient solutions.



Key Highlights:

Contribution to Total Customer Business	15%
Contribution to Total Revenues	3%
No. of Customers	23 thousand
Dedicated Branches	31
Relationship Managers	211

• Commercial and corporate banking is organised into two sub-segments: commercial banking, which serves mid-sized companies; and corporate banking, which serves large multinational companies.



• Yapi Kredi’s commercial and corporate banking product portfolio includes working capital financing, foreign trade finance, project finance, leasing and factoring, domestic and international non-cash credit line facilities such as letters of credit and guarantees, cash management and e-banking.



• Considering clients as business partners, Yapi Kredi devises its strategy on long-term relationships with a customer-focused and service-oriented approach. The Bank’s primary objective is to differentiate itself from the competitors and ensure continued customer loyalty with products and services custom-tailored for the clients.



Key Highlights:

Contribution to Total Customer Business	38%
Contribution to Total Revenues	21%
No. of Customers	30 thousand
Dedicated Branches	118
Relationship Managers	618

• For more information about Yapı Kredi’s Product Factories, which include Yapı Kredi Leasing, Yapı Kredi Factoring, Yapı Kredi  Invest, Yapı Kredi Asset Management, Yapı Kredi Investment Trust, Yapı Kredi Insurance and Yapı Kredi Pension, please click here

• For more information about Yapı Kredi’s foreign subsidiaries including Yapı Kredi Bank Nederland, Yapı Kredi Bank Moscow and Yapı Kredi Bank Azerbaijan, please click here

• For more information about Yapı Kredi’s other subsidiaries including Yapı Kredi Cultural Activities, Arts and Publishing, Yapı Kredi Koray and Banque de Commerce et de Placements (BCP), please click here