Yapı Kredi

Turkey’s first privately-owned bank with a nationwide presence, Yapı Kredi is the fourth largest private bank with total assets of TL 70.5 bln as of 9M09. As of 9M09, Yapı Kredi has a 10.2% market share in total cash loans and a 8.7% market share in total deposits.

Through a customer-oriented strategy and segment-based service model that was restructured in the first half of 2007, Yapı Kredi serves more than 6 million active customers in a wide array of areas spanning credit cards, retail, SME (Small and Medium Size Enterprises), corporate, commercial and private banking as well as asset management, leasing, factoring, private pension funds, insurance, equity brokerage and investment banking services.

Yapı Kredi has subsidiaries in Turkey that complement the Bank's segment-based structure, as well as international banking operations in the Netherlands, Russia, and Azerbaijan.

Yapı Kredi has one of the most extensive branch and alternative delivery channel networks in the Turkish banking sector. As of 9M09, Yapı Kredi has the fourth largest network in the sector in terms of number of branches (836) and third largest network in the sector in terms of number of ATMs (2,347). The Bank also offers its customers rich content Internet and telephone banking services.

Yapı Kredi's principal shareholder, Koç Financial Services (KFS), the 50-50% joint venture between UniCredit and Koç Group, controls a 81.8% stake in the Bank while minorities' stake is 18.2%. The Bank's shares are traded on the Istanbul Stock Exchange and on the London Stock Exchange. Koç Holding is Turkey’s largest industrial and services group with leading positions in almost every sector it operates, supported by the largest distribution network and the richest customer database in Turkey. As of 2008, Koç Holding is the only Turkish company in the Fortune Global 500 list of companies, in the 172nd place and owns the largest international network of Turkish origin. UniCredit Group is one of the largest banking and financial services organizations in Europe with a network of almost 10,000 branches and strong local roots in 22 countries. Its international network is made of branches, representative offices and small banking subsidiaries in 27 other markets.

Yapı Kredi: Firsts & Innovations
A pioneer in retail banking and innovation and the driving force of financial services in Turkey, Yapı Kredi introduced many firsts in the banking sector leveraging its technological leadership and differentiated banking approach.

• 1967: Introduced computerization to the Turkish banking sector
• 1980s: Introduced personal loans, credit cards, debit cards, automatic teller machines and a variety of investment products in Turkey
• 1984: Introduced the first online banking program between branches
• 1985: Laid the foundations of today’s corporate banking products and “wholesale commercial banking” services
• 1986: Became the first Turkish bank to issue bonds and certificates in international capital markets
• 1988: Introduced Turkey’s first credit card “with credit” and offered the first personal loans in Turkey
• 1989: Provided the first auto loans in Turkey
• 1991: Launched Turkey’s first telephone banking service and introduced the credit card bonus point system
• 1995: Became the first bank in Turkey to receive the ISO 9001 Quality Certification
• 2002: Launched the first GSM POS application in Turkey
• 2004: Became the first bank in Turkey to reward customer value in a systematic fashion through “Benim Param” (My Money), a loyalty program able to meet all banking needs of retail customers from a single application
• 2006: Successfully completed its merger with Koçbank, one of the largest mergers in the Turkish banking sector.
• 2007: Set new standards in Turkey’s credit card market by restructuring its credit card platform, World, Turkey’s leading credit card program. The new system is structured under a single brand and card under the umbrella of World and allows customers to incorporate the services of their choice into their chosen credit card for the first time
• 2008:
  - Launched the “World Share Program”, Turkey’s first donation platform that accepts credit card points and emphasized the contribution of credit cards to social responsibility projects.
  - Launched “guaranteed funds,” which guarantee the return of invested capital - a first in Turkey.
  - Introduced Turkey’s first barcode-based bill payment system through ATMs, providing everyone, whether a Yapı Kredi customer or not, with the opportunity to pay bills quickly and easily by cash at Tele24 Plus stations and Yapı Kredi ATMs that have the capability to scan barcodes on the statements

Operating under the umbrella of Koç Financial Services, the 50%-50% joint venture between the Koç Group and UniCredit, Yapı Kredi has adopted the vision of continuously creating value for its employees and shareholders and has become the undisputed leader of the finance sector through its healthy and sustainable growth and profitability-oriented strategy.