• Retail banking is one of Yapi Kredi's key focus areas where the Bank operates with the aim of offering tailored solutions for diverse customer needs. At Yapi Kredi, retail banking consists of credit cards, individual banking and SME (small and medium size enterprises) banking. This structure, which was formed at the beginning of 2009 with the integration of credit cards with the retail segment (including individual and SME banking), allows the Bank to benefit from increased synergies between these diverse segments, provide better customer service and foster further increase in customer satisfaction.



• Yapi Kredi has a well established retail banking franchise with longstanding market leadership position in credit cards, a strong second place in mutual funds and leading market positions in other retail banking products including consumer loans and deposits. In retail banking, Yapi Kredi leverages on its strong multichannel network, dedicated sales force, improved automation infrastructure and new performance management system to sustain the strong growth performance.



• Total number of retail branches as of 2011 is 767.

Card Payment Systems

• Yapi Kredi is the sector leader in credit cards since 1988. In card payment systems, Yapi Kredi focuses on diversifying its product range to meet customer needs, introducing innovative and competitive products and creating added value for its customers.



• Yapi Kredi's key competitive advantages in card payment systems include strong brand recognition, innovative product range, wide merchant network and effective campaign management.



• Yapi Kredi has co-branding partnerships with Albaraka, Anadolubank, TEB (Fortis) and Vakifbank. Together with these partnerships, Yapi Kredi's credit card program World is Turkey's leading brand and marketing platform with over 13 million credit cards.




Key Highlights (2011):

Contribution to Total Customer Business	7%
Contribution to Total Revenues1	9%
Number of Credit Cards2	8.3 million
Number of Merchants	329 thousand
Number of POS	432 thousand

Individual Banking

• Yapi Kredi's individual banking activities are grouped under the sub-segments of mass and affluent to provide the most suitable products and the highest service quality to these two different customer groups with varying banking needs.



• Key products and services provided to individual banking customers are mortgages, general purpose loans, auto loans, flexible account, product bundles, mutual funds, capital guaranteed funds, healthand life insurance, private pension products, alternative delivery channel membership and deposits



Key Highlights (2011):

Contribution to Total Customer Business	23%
Contribution to Total Revenues	17%
No. of Customers	5.6 million
Relationship Managers	1,955

SME Banking

• SMEs are a very important customer group which is at the center of the Bank's growth strategy. Yapi Kredi's SME banking segment provides companies with turnover of less than US$ 5 million extensive products and services to meet their needs through relationship managers who are experts in their field.



• Key products and services provided to SME's are commercial flexible accounts, product bundles, working capital loans, auto, mortgage and workplace insurance, remittances, cheque books, loan guarantees, deposits and POS services




Key Highlights (2011):

Contribution to Total Customer Business	12%
Contribution to Total Revenues	26%
No. of Customers	597 thousand
Relationship Managers	1,665

• Yapi Kredi's private banking and wealth management segment provides specialised and exclusive services to customers with total personal financial assets above TL 500 thousand through 32 private banking centers, three corners in Yapi Kredi retail branches and 192 expert private banking relationship managers.



• Yapi Kredi's key competitive advantages in private banking and wealth management include its ability to provide specialised investment services through its expertise, innovative structured products as well as its leading product factories in asset management and brokerage.



• Yapi Kredi maintains its leadership position in private banking both in terms of total customer asset size and distribution network thanks to its customer centric approach and large service network.


• According to Yapi Kredi's organisational structure, Yapi Kredi Asset Management, Yapi Kredi Invest and Yapi Kredi B Type Investment Trust are under the governance of the private banking and wealth management segment. This structure allows effective use of synergies and further supports the performance of both the business segment and product factories.



Key Highlights (2011):

Contribution to Total Customer Business	14%
Contribution to Total Revenues	3%
No. of Customers	25 thousand
Dedicated Branches	31
Relationship Managers	192

• Yapi Kredi's corporate and commercial banking segment provides companies with turnover of more than US$ 5 million a diverse range of products and services including cash management, trade finance, project finance and structured products with highly qualified employees utilising advanced technology.



• Yapi Kredi's key competitive advantage in corporate and commercial banking is the fact that the Bank considers its customers as business partners and operates by concentrating on creating long-lasting relationships. The Bank operates with the aim of being the first choice of its customers and to differentiate itself from the competitors leveraging on its innovative product and service portfolio and expert sales force.



• According to Yapi Kredi's organisational structure, leasing and factoring product factories (Yapi Kredi Leasing and Yapi Kredi Factoring) and international subsidiaries (Yapi Kredi Bank Nederland, Yapi Kredi Bank Moscow and Yapi Kredi Bank Azerbaijan) are under the governance of the corporate and commercial banking segment. This structure allows effective use of synergies and further supports the performance of both the business segment and product factories.



Key Highlights (2011):

Contribution to Total Customer Business	40%
Contribution to Total Revenues	28%
No. of Customers	33 thousand
Dedicated Branches	103
Relationship Managers	634

• 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