Banking Services - DenizBank

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Section I Introduction Banking Services Retail Banking Group The Retail Banking Department increased the number of active customers by offering its customers the Group’s entire retail product portfolio. Retail Banking The Retail Banking Department offers its customers all of the Group’s retail products with the highest quality standards at every point of contact between the customers and the Bank. Thanks to this approach, DenizBank registered an 17% increase in the number of her retail banking customers in 2009. In 2009, DenizBank achieved a 23% growth in the number of “active” customers who prefer the Bank for their daily banking needs and general purpose loans, as well as in the number of general purpose loans made to these customers. Retail Banking Products and Performances Deposits DenizBank offers a range of products to her customers to invest their savings based on their preferred level of risk and needs. The Bank’s customer deposit volume grew by 16% in 2009. DenizBank Retail Customer Deposits (TL million) Deposit Volume 2009 7,953 2008 6,831 Consumer Loans DenizBank’s Retail Banking Department added dynamism to the sector in 2009 with its creative and innovative products. As a result, DenizBank’s consumer loans reached TL 3,970 million. DenizBank Consumer Loans (TL million) Total Loans 2009 3,970 2008 3,693 General Purpose Loans As a result of the advertising campaigns such as “Düşeş Kredi” and Cebimde Kredi,” the number of customers taking out general purpose loans reached 260,639 and the corresponding loan volume exceeded TL 2.1 billion in 2009. DenizBank General Purpose Loans (TL million) Total Loans 2009 2,137 2008 2,089 Housing Loans DenizBank continued her cooperation with the leading real estate office chains in 2009. As part of this effort, the Bank informed representatives from related companies of economic developments in the world and in Turkey as well as the mortgage system. In addition, the Bank carried out joint projects, such as the Günebakan Project, with the head offices of these companies. The Günebakan Project is a social responsibility project carried out in cooperation with TOÇEV (Foundation for Educating Children), RE/MAX and the Ministry of National Education of Turkey. As part of this project, a portion of the fees paid to the real estate experts for the mortgage loans made by RE/MAX offices is donated to the fund designated for supporting the education of financially challenged students. In addition, DenizBank signed various agreements with Real Estate Chambers to jointly organize large-scale events in 2010. 22 «« CONTENTS
DenizBank Financial Services Group Annual Report 2009 With 25 new protocols signed during 2009, the number of residential projects DenizBank is affiliated with rose to 175. Consequently, DenizBank can offer housing loans to the most distinguished and noteworthy projects throughout Turkey thanks to her reputation. In 2009, DenizBank carried on with the tailor-made mortgage system, launched in 2008, as well as making mortgage loans to foreign national customers, a practice the Bank pioneered in the sector. Performance of DenizBank Housing Loans (TL million) Number of Loans Loan Volume 2009 20,000 1,689 2008 17,000 1,531 Car Loans In 2009, DenizBank launched DEKO, a fast online loan application system through dealerships, and increased the number of her affiliated dealerships by 30%, thereby raising her market penetration in car loans. While the car loan volume of the overall banking sector contracted 20% in 2009, DenizBank’s car loans registered 98% growth. Performance of DenizBank Car Loans (TL million) Number of Loans Loan Volume 2009 6,000 145 2008 4,693 73 Credit Cards Marketing Department DenizBank’s credit card product portfolio comprises credit cards that appeal to different segments with distinct characteristics that distinguish them from other cards in the market. DenizBank’s credit card product portfolio includes: • DenizBank Bonus Card, which was launched in 2002 as part of the Bonus Program Partnership for customers in all segments who love to shop and pay in installments, and who respond to the idea of free shopping and campaigns, • Both belong to the Bonus Card brand, Fenerbahçe Bonus Card, which is Turkey’s first contactless fan card; and GS Bonus Card, which was launched jointly with the project partner Garanti Bank as Turkey’s first stadium card, • Miles&More Credit Card, launched in 2005 in partnership with Lufthansa, for customers who often travel abroad and have high entertainment, dining, accommodation and travel expenditures, • Contactless Sea&Miles Credit Card, which was launched in 2006 in partnership with İDO (Istanbul Seabuses and Fast Ferries Inc.) for customers living in the Marmara region who often travel with İDO and who have adopted sea travel as part of their lives, • There are also DenizBank Credit Cards for customers who prefer not to pay in installments, but who enjoy accumulating bonus points with each transaction and using them to select gifts from the gift catalogue. DenizBank acquired new customers in 2009 as a result of card sales campaigns designed specifically for the segment; the Bank also promoted active use of her credit cards, resulting in increases in issuing volume and outstanding volume. As a result of these efforts, credit card loans grew by 24% to TL 673 million, much faster than the overall sector average. Launching Turkey’s first PayWavecompatible card with the Sea&Miles credit cards, DenizBank also installed new contactless entrance turnstiles at İDO terminals. As of 2009, contactless turnstiles are operational at all of Istanbul’s busiest fast ferry and seabus terminals. In 2009, DenizBank began offering her Credit Card Protection Program (CPP) to her credit cardholders with a new brand identity, the “SafeCard” brand. DenizBank began providing shuttle service to her customers in 2009. DenizBank credit cardholders can take advantage of this service with a special discount for transfers to the Istanbul, Ankara and Izmir airports. Performance of DenizBank Credit Cards Number of Credit Cards Number of Customers Issuing Volume (TL) 2009 1,313,237 977,537 4.9 billion 2008 1,284,003 922,601 4.2 billion «« CONTENTS 23
Page 2 and 3: Contents Section I Introduction 1.
Page 4 and 5: Section I Introduction Ordinary Gen
Page 6 and 7: Section I Introduction Compliance O
Page 8 and 9: Section I Introduction 2009 at a Gl
Page 10 and 11: Section I Introduction 2009 at a Gl
Page 12 and 13: Section I Introduction DenizBank in
Page 14 and 15: Section I Introduction Message from
Page 22 and 23: Section I Introduction IN HER 12 TH
Page 26 and 27: Section I Introduction Banking Serv
Page 36 and 37: Section I Introduction Investment B
Page 38 and 39: Section I Introduction Leasing and
Page 40 and 41: Section I Introduction Information
Page 42 and 43: Section II Management and Corporate
Page 66 and 67: Section III Financial Information a
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Consolidated Financial Statements a
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The consolidated financial report p
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Section IV Independent Audit Report
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Directory HEAD OFFICE Büyükdere C
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Adresler Lara Özgürlük Bulvarı
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Adresler Dağkapı İnönü Cad. No
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Adresler Beşiktaş Barbaros Bulvar
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Adresler Mimaroba Batıköy Mah. Mu
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Adresler KAHRAMANMARAŞ Elbistan G
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Adresler Gölköy Gölköy Mah. M.
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Banking Services - DenizBank

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