Basic Information
type: commercial bank, which belongs to a listed company.
Full name: Türkiye İş Bankası A.Ş.
Founded: August 26, 1924 by Mustafa Kemal Ataturk, the founder of the Republic of Turkey.
Headquarters location: Istanbul, Turkey.
Shareholder background: As of 2021, 37.3% of the shares are held by the bank's own pension fund, 28.1% by the Republican People's Party (CHP), and 34.6% by free float.
Scope of services
coverage: global business, mainly in Turkey and some countries in Europe and Asia.
Number of offline outlets: As of 2023, there are 1,066 branches in China and 22 branches overseas.
ATM distribution: With more than 6,500 ATMs in Turkey, it offers a wide range of self-service services.
Regulatory & Compliance
Regulator: Regulated by the Turkish Banking Supervision and Supervision Agency (BDDK).
Deposit Insurance: Join the Turkish Deposit Insurance Program to protect the interests of depositors.
Recent Compliance Record: Named "Turkey's Bank of the Year" by The Banker magazine in 2024, demonstrating its excellent performance in compliance and operations.
Financial health
- Capital
adequacy ratio: The specific data is not disclosed, but according to the assessment of international rating agencies, the bank's capital position is sound.
Non-performing loan ratio: As of the end of 2023, the non-performing loan ratio was 2.1%, demonstrating good asset quality.
Liquidity Coverage Ratio: The exact data is not disclosed, but banks have remained stable in a climate of high inflation and tighter monetary policy.
Deposit & Loan Products
Deposits: Demand and time deposit accounts are available, as well as gold deposits and other special products.
Loans: Covering housing loans, car loans, personal lines of credit, etc., the interest rate is adjusted according to market conditions, providing flexible repayment options.
List of common fees
Account Management Fee: Some account types may charge a monthly or annual fee, depending on the account type.
Transfer fees: Domestic transfers are usually free, and cross-border transfers are subject to fees based on the amount and destination.
ATM Interbank Withdrawal Fee: Withdrawals at non-İşbank ATMs may incur a fee.
Hidden Fee Alert: Some accounts may have a minimum balance requirement and additional fees may apply if they are not met.
Digital Service Experience
APP & Online Banking: Provide a full-featured mobile app and online banking services, supporting facial recognition, real-time transfers, bill management and other functions.
Technological innovation: Partnered with Visa to launch a blockchain-based B2B international transfer service to improve the efficiency of cross-border payments.
Customer Service Quality
Service Channels: 24/7 phone support, live chat, and social media responses ensure customers get help at all times.
Complaint Handling: Committed to quickly resolving customer complaints and improving user satisfaction.
Multi-language support: Multi-language services are provided to facilitate cross-border users.
Security measures
fund security: deposits are protected by national deposit insurance, and advanced anti-fraud technology is used to monitor transactions in real time.
Data Security: ISO 27001 certified to ensure the security and privacy of customer data.
Featured Services & Differentiation
market segments: Provide customized accounts and financial products for specific groups such as students and the elderly.
High-net-worth services: Provide private banking services and customized financial solutions to meet the needs of high-net-worth customers.
Market Position & Accolades
Industry ranking: Named "Turkey's Bank of the Year" by The Banker magazine in 2024 and ranked 525th in the Forbes Global 2000.
Awards: Recognized by the international financial media for its leading position in innovation and service.
