1. Yapı Kredi Technology Yapı Kredi Bank Information Technology May, 2001

2. Yapı Kredi Technology Technological Organization & Key Processes General Overview Technology Architecture Application Architecture

3. Yapı Kredi Technology General Overview Technology Architecture Wide Area Network Local Area Network Mainframe/Paralel Sysplex Branch Architecture Call Center ATM POS SWIFT/MERVA Telephone Banking Phone Banking Call Center POS ATM Branch Architecture Application Architecture YKB IT Program & Project Mngt. Change Mngt. Service Mngt. Recovery Mngt. Quality Mngt. Technological Organization & Key Processes Security Mngt. Operations Mngt.

4. Yapı Kredi Technology Yapı Kredi Bank Information Technology Organization OPERATIONS LAN Operations & Maintenance System & Network Security WAN Operations & Maintenance System Management YKB-NET PROJECTS Technological Strategies Management Network Systems System Management System HW & Infrastructure Human Resources Application Development Project Design & Development Branch & HQ Environments Quality Management Operations (DBA, CICS, MVS, Storage) Service Mngt Change Mngt Product Development Türk Telecom Relations Test Mngt App.Planning VTAM Prog. Field Services Project Based Groups (30 ongoing projects)

5. Yapı Kredi Technology Technological Organization & Key Processes General Overview Technology Architecture Application Architecture

6. Yapı Kredi Technology Technology Architecture Branch Architecture Mainframe/Paralel Sysplex Wide Area Network Local Area Network Call Center/Alobanka ATM POS SWIFT/MERVA Telephone Banking

7. Yapı Kredi Technology MAINFRAME - HardwareS/390 - Multiple Virtual Storage SYSPLEX / Enterprise Systems Architecture - Operating SystemOS/390 - DatabaseDB2 - Online Transaction CICS Processing System - Network VTAM

8. X47 : 618 mips.X47 R66 : 640 mipsR66 BX04 BX01 BX02 BX03 BX08BX09SXS1SXS2 R36 PRODUCTION TEST SYSP TSORTSOI TSOLTSOP TSOTTSOZTSOATSOB YX01YX03 Y2K Our Systems 4 Mainframe on production 2518 mips 2 coupling facility 7 terabyte disk capacity (Including ODM)

9. Yapı Kredi Technology Wide Area Networks “Business Enabler” communication network - IP (ie.Notes)  multiprotocol support  scalability  security  availability  manageability  network cost of ownership Application flexibility  Use of Internet technologies (JAVA, HTML, Intranet, extranet) Virtual Private Networking (VPN) Service Provider like service provisioning

10. Multiple Service WAN Backbone SNA Network & other VPN Access Distribution Backbone IP Network IP Network SNA ATM MSD OS/2 POS Integrated Network & Service Management >line up >stat Our Network Model Network Management Systems

11. Yapı Kredi Technology New Communication Network Frame Relay & Concentration Centers

12. Yapı Kredi Technology Local Area Networks The use of ATM Technology enables us:  Only one architecture for LAN & WAN  Scalable architecture  Switching Technology Quality of Service & Better Resource Sharing  Protocol Independence  Simplified Configuration & Management  Increased Security Token Ring segments Ethernet technology

13. Yapı Kredi Technology Local Area Networks OPC Backbone - ATM Floors - Switched Ethernet Cabling - Fiber Optic & UTP5 Servers - NT, Unix, OS/2 Clients -NT workstation OS/2 workstation # of users : 2100 D-Building Backbone - Fast Ethernet Floors - Switched Ethernet Cabling - Fiber Optic & UTP5 Servers - NT, Unix, OS/2 Clients -NT workstation OS/2 workstation # of users : 815 A-Building Backbone - Ethernet Cabling - UTP5 Servers - NT Clients - Win9X # of users : 180 Remote Locations -YKB Branches -Regional Office -YKB Investment -Law Departments # of users : 8000 2 mbit lines

14. Yapı Kredi Technology BRANCH ARCHITECTURE System Software IBM OS/2 Base Operating System IBM Network Communications Server for OS/2 Warp Version 5.00 IBM OS/2 LAN Server Netfinity Manager for OS/2 IBM DB2 Universal Database Personal Edition FCP (Foundation for Coorperative Processing) EDM (Enterprise Destop Manager) Application Software FFS (Foundation for Financial Services) LanDP Version 4.0 Netscape (Web Browser)

15. Yapı Kredi Technology BRANCH ARCHITECTURE NETBIOS & TCP/IP (TOKEN RING) HOST SERVER IBM PC330 ATM WAN Router Client PC

16. Yapı Kredi Technology CALL CENTER Call Center provides to our customers the following services: Balance Inquiry Money Transfer/Electronic Funds Transfer Foreign Exchange Securities/Treasury Repo (Repurchase Agreement) Bill Payments Automatic Payments Credit Card Operations Private Label Card Operations Card Issues Time Deposits/Demand Deposits

17. Yapı Kredi Technology One telephone number to reach all over TURKEY İst.-Levent İst.-Kadıköy Gebze Ankara İzmir Bursa Antalya Erzurum Kars Leased Line + MD110 solution 20 cities Türk Telekom Orientation Service 60 cities Backup Oriented Leased Line Adana CALL CENTER / 444 0 444

18. Switch (ERICSSON) Host Call Center Interfac programs CICSADKP Tele İşlem (YTLP) Securities (MNKP) CIF (SGLP) Credit Cards (FBS) Tele24 (ATMP) Individual Loans (NWBP) NT SNA Server RightFax (BDC?) DB (Oracle) Server Agent PCs and phones CTI Server (Genesys) MD 110 Customer TT LU 6.2 APPC Sesli Yanıt Sistemi (InterVoice) NT PDC Print Server Application Link Server 3745 (FEP) CALL CENTER

19. Yapı Kredi Technology ATM Tools used in the development of ATM applications: –NDC (NCR Direct Connect) –SSDS (Self Service Development System) Application platform: OS/2 Currently, NDC applications are replaced by SSDS applications. Number of active ATM 1.313 (NCR)

20. Yapı Kredi Technology ATM

21. Yapı Kredi Technology POS SHOW TV, etc LIPMAN POS (22.000) SCH POS (12.500) SWITCH POS Terminal Manager PSTN OS/2 PNA Concentrator NT PNA Concentrator Mobicom Mobitex Bank Gateway Banking Gateway Intellect POS (2.500) Ingenico POS (1.500) Amway (AS/400) Superonline Internet shopping HALF SET (Pilot) Telephone Banking Lu 6.2 wireless Lu MPOS + Gateway Lu Cics to Cics X 25 Lu Number of active POS 66.473

22. Yapı Kredi Technology SWIFT YKB’s daily incoming & outgoing message quantity averages 4500 SWIFT services are provided to customers through 29 centre

23. Yapı Kredi Technology SWIFT BILTAM Regional Processor YKB Network SNA YKB VTAM Merva CICS CIP Router X25 Lu Branches Dusseldorf Factoring Investment FX Operations RC PSTN Dial Dial line SWIFT INTERNATIONAL

24. Yapı Kredi Technology Telephone Banking IVR (Interactive Voice Response) Current IVR applications –Teletel –Alobanka (17 cities) –KKMHB (Credit cards customer service department) Hardware :Intervoice Software : Invision & Iform with applications developed on OS/2 platform

25. Yapı Kredi Technology Technological Organization & Key Processes General Overview Technology Architecture Application Architecture

26. Yapı Kredi Technology Application Architecture - YKB

27. Yapı Kredi Technology Why change? Product BasedCustomer Based Before ChangeAfter Change Customer introduction on different systems Difficulty in creating new products Different user interfaces for different environments Product based Customer - Bank relation One customer information file Product factory Standard graphical user interface Consolidated customer data

28. Yapı Kredi Technology Benefits of change Functional diversity, Scenario based work, Ability to reach and process accounts from different branches, Parametric and flexible pricing, Adaptation to Euro, Integration with the electronic mailing system (Notes), Possibility to analyse customer, portfolio, branch, field or region based efficiency and profitability, Operational costs reflecting customer and portfolio profitability, Different budgeting options on the system.

29. Yapı Kredi Technology Technological Organization & Key Processes General Overview Technology Architecture Application Architecture

30. Yapı Kredi Technology Technological Organization & Key Processes Security Management Operations Management & Organization Service Management Change Management Project Management Quality Management Disaster Recovery

31. Yapı Kredi Technology Operations Management Guaranties that the production environments are up and efficiently working, 7 x 24 hours a week, Operation and maintenance of mainframe systems, System support and problem solving for environments such as MVS, DB2, CICS, VTAM, etc.

32. Yapı Kredi Technology Operations Management - Database Our database structure: DB2 (Banking operations) VSAM (ATM, Credit Cards) Oracle (Call Center) Sybase (Securities)

33. Yapı Kredi Technology Operations Management - Storage Our storage media & capacity: On disk for online data - 5terabytes On tape for archive data - 70 terabytes Optic CD’s - 3,5terabytes Our storage hardware 2 Storagetek 9310 Powderhorn tape library IBM virtual tape server (VTS) 2 Hitachi 7700 E disk 2 IBM Ramac virtual array (RVA) 2 IBM Optic library 5 IBM RAMAC Disc 2 IBM SHARK Disc

34. Yapı Kredi Technology Operations Management - Batch Tool used: IBM OPC Batch jobs run daily average 3500, this number peaks to 5000 at the end of the month/period. Batch processes, backing up processes and maintenance ends by 09:00 am. File transfer, data control and support operations for our customers

35. Yapı Kredi Technology Operations Management - Online Tool used: Omegamon Daily Branch CICS transaction counts averages 2,800,000 Daily Retail Banking CICS transaction counts averages 2,000,000

36. Yapı Kredi Technology Service Management Service Management focuses on: Ensuring that these services are meeting defined standards (Service Level Agreements) Providing a liaison to users, developers, architects and vendors, Monitoring the services which are provided to these groups,

37. Yapı Kredi Technology Service Management Systems Management Service Planning Managing Change Users Developers/ Architects & Vendors

38. Yapı Kredi Technology 38 Change Management Change Management aims at: To protect our production environment from all negative effects of change, To realize each change at the required time interval and quality level, To enhance productivity and efficiency

39. Yapı Kredi Technology Security Management Security Management aims at protecting all YKB resources against unauthorized access Our main security issues are: –Authentication (via user ID & password) –Authorization (defining user level access) –Access control (protection of resources) –Account Management (via security rules) –Audit (of user violations & critical resources) –Availability (intruder detection, virus protection)

40. Yapı Kredi Technology Project Management Yapı Kredi Technology is mainly a project based organization, Our project office plans & tracks globally all the projects, There are more than 40 ongoing projects, 31 certified project managers (certified by PMI, the Project Management Institute)

41. Yapı Kredi Technology Quality Management In November 2000, YKT were audited by the international auditors of the TUV- Rheiland, Germany and found eligible for an ISO-9001:1994. TUV also recommended that YKT can apply for the ISO-9001:2000 upgrade anytime, since YKT’S custom quality system already incorporates the newest requirements of the new version which became available in January 2001.

42. Yapı Kredi Technology Recovery Management Our scope: All the production assets of YKB Our objective: To provide continuous production service Recovery planning strategies: Outage Prevention (to build infrastructure such that outage never occurs) Normal Recovery (To build procedures that enable to recover services as soon as possible if outage occurs) Disaster Recovery (To recover service in a different location if uncontrollable event destroys the current location)