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“A Story of The Fastest Growing Bank of Turkey”

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Presentation on theme: "“A Story of The Fastest Growing Bank of Turkey”"— Presentation transcript:

1 “A Story of The Fastest Growing Bank of Turkey”

2 Agenda Aktif Bank “New Generation Banking” About Çalık Holding
Banking Model-Direct Banking-City Banking-Regional Banking Affiliates Aktif Bank’s Innovations Figures

Year of Organization 1999 Country of Origin Turkey Shareholding Structure %100 affiliate of Çalık Holding Date of Re-structuring Started in 2007 Adress Zincirlikuyu/ISTANBUL Field of Activity Finance Total Assets * (mio TRY) 994 Equity * (mio TRY) 173 Net profit * (mio TRY) 4,7 Number of Employees* 311 Number of Branches * 6 Number of Sales Points * 4 thousand Network of Correspondent Banks * 302 banks in 82 countries Ratings* A- National, BB International Slogan “Local, Global” Affiliates BKT, E-Kent Web Adress * As of September 30, 2010 3

4 Ç We are an Affiliate of a Reputable Global Conglomerate ALIK HOLDING
The leading investor in Turkey, Balkans and CIS One of Turkey’s most up and coming Groups with more than 19,000 employees in 12 countries 2009 Assets of USD 4.5 billion and Revenues of USD 1.5 billion On a national scale rated BBB by Fitch and JCR, on an international scale rated B- by Fitch and BB- by JCR (Upgraded from B+ to BB- on February 2010) 5th Turkish corporate issuing a Eurobond Reputable partnerships and cooperation with global brands ENI, EWE, Mitsubishi, General Electric, Turkish Telecom, Qatar Investment Authority, Anatolia Minerals, Initec Energia We are an Affiliate of a Reputable Global Conglomerate 4

5 5

POWER SYSTEMS TAPCO Completed turnkey delivery of 5 power stations with a total apacity of 883 MW in Turkmenistan 254 MW 6th power plant under construction Long-term supply and maintenance contract with Turkmen state Hold 10 licenses to construct hydroelectric, wind and thermal power plants with a total capacity of 1500 MW in Turkey Joint construction of a gas power plant in Uzbekistan with Initec Energia of Spain Project amount of USD 470 million Generation capacity of 472 MW Completion date of 2013 Awarded the license to build and operate strategically important Trans-Anatolian Pipeline (TAP) Partnership with ENI Group of Italy Annual capacity of million tons of oil Completion date of 2013 EXPLORATION AND DRILLING Explores and drills oil and gas in Turkmenistan Partnership with Parker Drilling of USA Holds oil and exploration licenses in Eastern Turkey and Thrace region REFINERY Awarded the license to build a refinery and petrochemical complex in Ceyhan Annual capacity of processing 10 million tons of crude oil and 2 million tons of petrochemicals , Budget of USD 6 billion UTILITIES Çalık Energy was rewarded the tender for 100 % privatisation of Yeşilırmak Electricity Distribution Company on 6th November’09 1.5 million subscribers in the cities of Samsun, Amasya, Çorum, Ordu and Sinop Acquisition price has been USD million Participates as an investor in Bursagaz and Kayserigaz with 10% stake in each company Bursagaz and Kayserigaz services 850,000 households In October 2008, Çalık Holding sold 39.9% of Bursagaz and Kayserigaz to EWE for a total price of USD 438 million (34x 2008E EBITDA) ALBTELECOM Owns 76% stake in Albania's Albtelecom Turkish Telecom is a strategic partner with 20% share Incumbent fixed line operator in Albania 290,000 subscribers with a potential of 1 million, 30% penetration Third GSM operator after AMC and Vodafone 500,000 subscribers, 15% market share 6

GAP İnşaat ranked 163rd in the “Top International Contractors” list of ENR magazine in 2008 Active in the construction of turnkey industrial plants, infrastructure and environmental projects, hospitals, hotels, schools, roads and museums Cover Middle East, CIS and North Africa Value of completed projects amounts to approximately USD 2.5 billion Value of housing projects in the pipeline with a start date of late 2009 in Istanbul is around USD 750 million Undertaking Turkey’s first urban transformation and renovation projects with private involvement in the heart of Istanbul Tarlabaşı, Fener Balat One of only two nationwide print distribution network in Turkey 5 regional offices (2 representative offices) 5 printing facilities 25,794 sales outlets (810 chain stores) 221 distributors 20% market share in TV & newspaper advertising Lusail International Media Co., media affiliate of Qatar Investment Authority, is 25% shareholder of Turkuvaz GAP GÜNEYDOĞU TEKSTİL GAP Güneydoğu is one of the world’s top ten suppliers of denim The only rated textile company in Turkey with a local currency rating of BBB+ from Fitch Active in the production of yarn, fabric, garment and home textiles Manufacturing operations in Turkey, Turkmenistan and in Egypt Majority of sales exported to North America, Europe, North Africa and East Asia Top 3 export destinations are the USA, Italy and Spain Customers include global names such as Diesel, Replay, Lee-Wrangler, Levi’s, Benetton, H&M, Calvin Klein, Tommy Hilfiger, Zara G-Star, Miss Sixty, M&S, Next, Esprit, Escada ÇALIK MADEN An extensive partnership with Anatolia Minerals in Turkish mining industry Anatolia Minerals is based in the US and holds more than 100 licenses in Turkey Çalık Maden buys into Çukurdere, a subsidiary of Anatolia Minerals 175,000 ounces annual production started in 2010 Cukurdere owns a gold mine in Erzincan with 6m ounces reserves The alliance will allow for joint exploration and development of other mineral properties in Turkey on a 50/50 basis 7

DIRECT REGIONAL CITY ANKING Investment Retail Corporate Treasury 8

DIRECT BANKING CITY BANKING REGIONAL BANKING Instead of investing in branch network, we provide technology-based products regardless of time and location constraints with convenient and attractive prices. Branchless banking model Online integration with the Post Offices “Shop in Shop” concept Provide customized financial & non-financial products and services for the different needs of the cities Concentration centers in the cities Proper alternative distribution channels for operational and financial infrastructure of the city Corporate and investment products for the municipalities and local businesses To expand trade relations as a financial actor in Balkans, the CIS and the Middle East Synergies with our foreign based subsidiaries Growing with new subsidiaries in the region To be role model for other countries 9

Physical Channels Aktif Bank Web Page and City Portals in Turkey Internet Banking in Turkey and Albania Dealer Portals in Turkey Call Center in Turkey and Albania Mobile Banking and Mobile City Applications in Turkey and Albania Merchant Channel Network PTT ,750 points in Turkey Aktif Points points in 8 cities Aktif Kiosks locations in 4 cities Branches in 6 cities THE WIDEST DISTRIBUTION CHANNEL 10

11 Aktif Bank’s Retail Banking Innovations

12 A KTIF ONLINE Cash Deposit Cash Withdrawal Financial Products P1 Loan
FULL ONLINE INTEGRATION WITH PTT Launch Time January 2010 Cash Deposit The first and the only online-realtime platform between bank networks and the PTT Aktif Online provides Aktif Bank the widest physical distribution channel via points, including 1,178 locations where there are no bank branches Enables quick product and service deployment Loan Collection Deposits Billing Collection Card Collection Cash Withdrawal Loan Payment Cash Withdrawal Financial Products Credit and Card Application Account Opening Application Mutual Funds Regular Transfer Instructions Regular EFT Instructions Other Company Products Insurance Stocks Securities

13 “UPT” Cheap Money Transfer
-Cash Management- “UPT” Cheap Money Transfer Launch Time January 2010 “UPT” which means “Cheap Money Transfer” UPT Is Competitive And Profitable Without any branch overhead, it is possible to price the product well below the market UPT Is Easy Anyone can use UPT even when they are not a bank customer UPT Is Widespread 3.200 PTT branches, over 8,800 bank branches, telephone and internet banking as well as withdrawing cash from all 22,800 ATMs in Turkey UPT system was activated on January 26, and UPT was performed by the end of November. Number of channels 3.200 Number of existing customers 78.522 13

14 Foreing Currency Transfers
-Cash Management- “Global Money Transfer Program" Foreing Currency Transfers Launch Time November 2010 Foreign Currency Transfers Foreign currency transfers, domestic and international UPT Membership Program Using UPT Account for online shopping without sharing any financial data Money Transfer from UPT Account to anyone, anywhere We candidate to be one of the leading money transfer program in the next future Number of channels 3.200 2011 Targeted Customer Number 60.000 14

INSTANT CREDIT DECISION Our dynamic and measurable loan factory includes flexible workflows and has high integration capability with different channels such as dealer, web, SMS and branch banking. Business Rule Management System integrated to loan factory produces loan decision in seconds. Other components of factory are: Verification Module Fraud Module User-friendly screens Smart Application Fields Dynamic Matrix Online Web Services Collateral, Document Management Reporting and Monitoring System Application Automatic Authentication (National ID Information Sharing System) Fraud Check Cross Check (Black List, Previous Applications) Web Based Queries (Central Bank, Credit Bureau etc) Automatic Decision System (decision trees, matrices, segmentation) 15

16 -Loan Products- “Consumer Loans” Loans through Dealers and ADCs
“Doğtaş and Kelebek are two major furniture manufacturer chains in Turkey with sales points around the globe” “Aktif Bank’s Dealer Credit System - Kreaktif is used at more than 150 dealers of Doğtaş and Kelebek Negotiations continue with “Tepe Home” for similar cooperations Boiler and installation loan program is available at 40 dealers Private bus assocations are offered SME Loans with and without collateral Refinancing Loans Vehicle Loans Average loan amount TL 4,000 Average tenor 15 months 16

17 -Loan Products- “PTT Kredi” Loans through Post Office Branches
Launch Time July 2010 Loans through Post Office Branches Aktif Bank collaborates with PTT and offers consumer loans to the PTT payroll customers Given sufficient funding, accessing these 500,000 payroll customers with secured, colleteralized retail loans offers has a sales potential of USD 1 billion Credit operations was introduced to PTT for the first time by providing loan training to 1500 staff in 25 cities applications received and credits were used by the end of November 2010 200 (TL million) credit balance and customers are targeted by the end of 2010 17

18 -Micro Credit- “BRJ” Turkey's first Micro Credit projects will be carried out with the Aktif Bank infrastructure and BRJ Know - How. In this projects, the credit allocation service will be held by Aktif Bank via BRJ guarantors 18

19 A P3 KTIF CARD SYSTEM PREPAID/DEBIT/CREDIT CARD MANAGEMENT SYSTEM AND CHIP TECHNOLOGY Aktif Card System (AKS) is a multilingual, multi currency, multi-institution loyalty card platform AKS processes huge volume of transactions with high speed in a secure AKS is capable of setting payment standards between Turkey and the neighbouring countries We are the first Bank in Turkey to develop “a-purse” (Aktif Purse) which is a dual interface chip card application with transportation functionality. “a-purse” is a product of pure LOCAL engineering and it is fully compatable with GLOBAL standards Automatic Decision System Office Verification Module Fraud Module User-friendly screens Smart Application Fields Dynamic Matrix Online Outsource Interrogation 1 PrePaid card programs and offline transaction/balance management 2 Mifare, PayPass (MC) and PayWave (VISA) contactless card application, NFC 3 Standard credit card, debit card programs, Loyalty and point applications 4 Campus cards, FC fan cards, transportation cards, access control systems 19

20 -Card Products- “City Card Product Family” “Global Aktif Card System”
Seyyah is a card system that enables people visiting Turkey to shop and withdraw cash through all ATM and POS network without the need of Mastercard, Visa, etc. Widespread, chip based, contactless, high security payment products Aktif 00 & Plus 00 Prepaid Purchase Transportation Loyalty Points Installment Different uses of AKTIF 00 Seyyah Card is accepted by over ATMs and POS machines in Turkey. Allowance, Campus, Gift Corparate, Fan, Skipass,Food ... Plus Aktif 00 is designed by taking into account the lifestyles and needs of people

21 Aktif Bank’s Corporate Banking Innovations

END TO END COLLECTION MANAGEMENT End-to-end receivables management service No differentiation of receivables Invoices, cheques, notes and bills are included in the collection scheme Obtain financing by pledging receivables Advisory Services Initial assesment of agency and dealer network of the client Reporting and notification by follow-up through the call centre In case of default, legal follow-up of overdue payments CLIENT ASSESTMENT FINANCING COLLECTION SERVICES REPORTING CALL CENTER 22

23 -ACT Office- ACT Services Marketing and sale of products and services
Foreign investors have demonstrated more interest in Turkey, which has attracted greater attention from the global business with its consistent and rapid growth performance in recent years. Seeing this potential, Aktif Bank desingned the “Act Office” service concept in 2009 to provide the following services required by international financial institutions in Turkey and other countries in the region ACT Services Marketing and sale of products and services Research activities Loan supply, collateralization and legal consultancy Credit evaluation Operation and monitoring Management and logistics 23

24 Local and regional agent of ITFC and ICIEC
Aktif Bank became the only agent in Turkey and in the region to offer foreign trade, structured finance, export loan and advertisement insurance products and services which are only provided by ITFC and ICIEC to their member countries 24

25 -Aktif Bank Bond- We initiated the formation of a commercial paper market in Turkey Under this program, we issued the first bank bond in Turkey All of our issuances have been fully subscribed 1st tranche: 35 TL million (September 2009) 2nd tranche: 65 TL million (September 2009) 3rd tranche: 100 TL million (February 2010) 4rd tranche: 400 TL million (April 2010) 5th issuance of 700 TL million is in the market and 322 TL million have been subscribed. With a maturity profile of 30 days to 360 days Tax advantage over time deposits Aktif Bond is quoted on Reuters and Bloomberg 25

26 We are the bank of innovations First direct bank of Turkey
Only bank to have online realtime integration with Post Offices Founder of Money Transfer Programme which is commonly used in Turkey The first bank to issue a commercial paper program The first bank to introduce “Liaison Office” concept in Turkey (“ACT Office”) One of the few banks with dealer credit system Market leader in contactless cards in Turkey The first bank to develop “a-purse” which is a dual interface chip card application with transportation functionality The first to have a transportation operator “E-Kent” The first to develop a transportation kiosk One of the few banks in Turkey with an instant decision making credit system “Credit Factory” We are the bank of innovations 26

27 F IGURES RAPID AND HIGH QUALITY GROWTH We have created new opportunities in 2009 with our pressing ahead infastructure investments. We also look forward to a bright 2010, with the introduction of innovative and unique products and services, while maintaining our position as Turkey’s most rapidly growing bank 27

28 F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Asset Size Growth 1357% Thousand USD

29 Total Liabilities and Equity
F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Total Assets Loans in TL thousands in TL thousands 66,293 111,679 251,680 578,047 993,841 NPL : %0,35 NPL : %0,57 NPL : %0,4 NPL : %0 NPL : %0 Total Liabilities and Equity Free Capital in TL thousands in TL thousands CAR: %14,5 66,293 111,679 251,680 578,047 993,841 CAR: %35,6 CAR: %21,3 CAR: %42,2 CAR: %61,4

30 F -Summary Financials – More than Doubled the Balance Sheet for the Last Two Consecutive Years- IGURES RAPID AND HIGH QUALITY GROWTH Number of Correspondents Number of Customers 563% 775% Foreign Trade Volume FX Limit 507% 350% Million USD Million USD

31 F unds Borrowed USD MILLIONS The increase in our international borrowing shows the confidence provided to AKTIF BANK 186 48,3


33 A KTIF ONLINE & Aktif Online;
Turkish Postal Service (PTT) is a public institution which has the largest distribution network in Turkey . Domestic and international mail Parcel post, telegraph, fax, Bill payment and collection services Domestic and international money transfer services PTT operates via approximately 4000 points, including 1,178 locations where there are no bank branches. The first and the only online-realtime platform between bank networks and the PTT Provides Aktif Bank with the widest physical distribution channel Enables quick product and service deployment &

34 Owned 100% by Çalık Financial Services
THE FIRST BANK WITH TURKISH CAPITAL TO HAVE INVESTED IN KOSOVO BEFORE THE INDEPENDENCE OF KOSOVO WAS DECLARED. Owned 100% by Çalık Financial Services Active in Corporate and Retail Banking with market share of 14.5 % in deposits 8.8 % in loans Second largest bank amongst 15 banks as of 2009 Total Assets USD 1.3 billion Deposits USD 1.1 billion 58 branches throughout Albania 12 branches in Kosovo Captures 80% of trade activity between Turkey and Albania Selected the “Best Bank of the Year” and “Best Medium Size Bank in CEE” in 2008 by Finance Central Europe Magazine Rated AAA by Japanese Credit Rating Agency (JCR) 34

E-KENT BECAME ACTIVE IN MORE CITIES AND ALSO GREW MORE EFFECTIVE IN THE SECTOR, WITH A WAWE OF NEW PRODUCTS AND SERVICES PUT INTO PRACTICE ONSITE. Established in 2002 and since early 2008 E-Kent is a affiliate of Aktif Bank. it is Turkey's largest electronic fare collection operating company, and currently operates services in 8 cities of Turkey Provides modern and high-technology solutions for city life Operates contactless card payment systems in public transportation Services citizens, municipalities and private bus companies with advanced technology solutions and consulting Expert in widespread field operations Acquisition of E-kent by Aktif Bank Access to micro-payments market in transportation Legitimization of cash receivables Introduction of “city card” solutions E-Kent is a member of the International Association of Public Transport (UITP). E-Kent in figures; 9 Million Population 3 million pre-paid cards 3,000 buses 1,330 tollgates 950 top-up points and ticket boots More than 1 billion transactions per month 2009 Revenues of TL 800 million 35

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