IMPLEMENTING A SOLID CHANNEL MANAGEMENT STRATEGY, THE COMPANY’S PRIMARY GOAL IS TO MAINTAIN A BROAD-BASED AND PROFITABLE PORTFOLIO WITH A RELATIVELY HIGH CREDIT QUALITY.

Services

Formulating its customer-oriented service model upon solution creation for its customers’ investment needs and the expertise of its professional team, İş Leasing enjoys a significant competitive edge in its sector.

Implementing a solid channel management strategy, the Company’s primary goal is to maintain a broad-based and profitable portfolio with a relatively high credit quality.

The sales activities of İş Leasing are carried out through three different channels: İşbank branches, vendors and direct marketing.

The Company built a collaboration based on productivity principle with vendors; efforts to increase the efficiency of the channel are ongoing.

İşbank’s extensive branch network and countrywide reach present İş Leasing with a broad service geography.

Competitive financing costs available to it allow the Company to produce solutions that are aligned with its customers’ financial structures and cash flows.

İş Leasing performed successfully also in 2017 on the back of its business model running on rapid, accurate and productive processes, combined with focused business strategies. In addition, the Company kept fulfilling its function of expanding the leasing sector by furthering its identity as the preferred service provider.

SUCCESSFUL

İŞ LEASING EXHIBITS A SUCCESSFUL PERFORMANCE IN NEW CUSTOMER ACQUISITION WITH ITS DIFFERENTIATING CUSTOMER EXPERIENCE.

Portfolio

İş Leasing maintains its well-balanced portfolio composition thanks to its competence in risk management, which it regards as a key requirement of sustainable growth, combined with advanced risk management systems and established risk culture embedded in the organization.

Distributing its risk exposure across various sectors that it finances, the Company is noted for its portfolio characterized by diverse sectors and expansive geographical distribution, and in turn, for its NPL ratio that is below the sector’s average.

İş Leasing exhibits a successful performance in new customer acquisition with its differentiating customer experience.

İş Faktoring

İş Faktoring, of which İş Leasing is the principal shareholder, was incorporated in 1993. Possessing a broad customer base composed of companies of different scales from diverse sectors, İş Faktoring delivers factoring service in domestic and international markets in financing, guarantee and collection areas via its Head Office in İstanbul and six branches operating in Ankara, Gebze, Adana, Bursa, İzmir and Güneşli (İstanbul).

İş Faktoring has been a member of Factors Chain International (FCI), the most important international factoring initiative in the world, since its incorporation. This membership allows the company to support its customers’ international factoring transactions with an extensive correspondent network.

Having ended 2017 as the sector’s leader in factoring receivables, İş Faktoring further increased its lead over its competition and kept growing. The company’s total factoring receivables reached TL 4.2 billion as at 31 December 2017, and positively decoupled from its peers in terms of credit growth, profitability and NPL performance. Posting TL 12.3 billion in turnover, and TL 4.3 billion in total assets, İş Faktoring booked a net profit of TL 50 million as at year-end 2017.

In its rating report dated 1 February 2017, Fitch Ratings assigned İş Faktoring a long term foreign currency rating of BB+ and a national rating of AA+, with a stable outlook.

TRAINING ACTIVITIES AT İŞ LEASING ARE ORGANIZED IN VIEW OF BUSINESS PLANS, NEED ANALYSES AND PERFORMANCE OUTPUTS, AND IN A WAY TO PROMOTE TECHNICAL AND COMPETENCE DEVELOPMENT FOR ALL EMPLOYEES.

Information Technology

İş Leasing sustains its financing support uninterruptedly to the manufacturing industry, making use of the latest novelties in information technology, and continued in 2017 to upgrade its technology to secure productive growth through increased speed and enhanced quality of its products and services.

Aiming to improve the services offered to customers in line with technological changes and business requirements, the Company puts great emphasis on technology upgrade in a number of aspects that include increasing data processing speed, improving business processes, and enhancing its capacity to found strategic decisions on flexible and precise measurements.

Transfer of customers’ creditworthiness data received from the Credit Bureau of Turkey (KKB) and Risk Center (RM) to the Company systems in an integrated fashion is a significant contributor to productivity. In addition, the Company uses credit allocation models and decision-making mechanism automation infrastructure, which evaluate credit applications on the basis of segments via the system, thus securing higher speed and productivity, and which observe calibration across allocation channels. These systems in place assure the Company’s sustainable growth targets.

After-Sales Services and Disaster Recovery Center represent two key elements of İş Leasing’s customer-focused approach to service. Offering service with a call center infrastructure and aimed at rendering customer satisfaction continuous, After-Sales Services Unit is a significant service point for customers’ after-sales support requests. Updated with the latest technology, the Disaster Recovery Center is the assurance of 24/7 uninterrupted service delivery to customers under any circumstance.

COMPETENT

İŞ LEASING HAS ADOPTED THE PRINCIPLE OF CREATING TEAMS POSSESSING TEAM SPIRIT AND DELIVERING RESULTS WITH COMMON SENSE.

Human Resources and Training

HR strategy of İş Leasing is to manage its “human resource”, i.e. its most valuable asset, in the most productive manner in line with the Company’s vision, mission and goals. It is intended to form a high value-added team that will make a difference in the sector and maximize the Company’s competitiveness, and to develop practices that support the team’s professional and personal development, motivate them, and maximize their performance. Accordingly, the HR mission is defined as being the most preferred company by employees in the leasing sector and to render employee satisfaction continuous.

In line with this strategy, the software platform for HR and performance processes were updated and vested in a self-serve format for employees during 2017.

Training activities at İş Leasing are organized in view of business plans, need analyses and performance outputs, and in a way to promote technical and competence development for all employees.

Aiming to promote after-hours socialization among İş Leasing employees and bring them together in social activities with the purpose of boosting employee loyalty and strengthen their bonds as a team, the Social Activity Club will continue to organize various activities in 2018, with a focus on theater plays, cinema, kitchen workshops and social responsibility projects.

Allowing employees to voice their opinions and submit improvement proposals in relation to the working environment, corporate climate and any topic of importance to them, the Employee Committee continues to support internal communication and to serve as the voice of employees.

İş Leasing makes systematic use of a number of different channels including the suggestion system, internal portal and satisfaction surveys in order to further improve the working environment, İş Leasing will carry on with its efforts to enhance employee satisfaction and development also in 2018.