Organization of work in a Bank

Дипломная работа - Банковское дело

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1. Introduction

.1 General information about Asya Participation Bank

Bank Asya was established in October 24, 1996 with its head office in Istanbul . The company's name, which had been previously "Asya Finans Kurumu Anonim Sirketi" (Asya Finance Incorporated Company), was changed into "Asya Katilim Bankasi Anonim Sirketi" (Asya Participation Bank Inc.) on December 20, 2005. Bank Asya offers a range of products meeting all needs and demands of its customers for retail, commercial and corporate banking and maintains 157 branches, 2 national and 1000 foreign correspondent banks.Asya, initial capital of which is 2 million TL and current paid up capital is 900 million TL, has a multi-partnered structure based on domestic capital consisting of 244 shareholders except for the publicly held part as of the end of 2008. objective of Bank Asya, which accepts supporting production by complying with the requirements of interest-free banking as the foundation principle, is to spread interest-free finance system to larger masses by using the latest opportunities of technology in accordance with customer-oriented service mentality.Asya, the first private finance house having ISO 9001 Quality Management System Certification, is in service with its organization and wide range of products meeting all needs and demands of its customers for retail, commercial and corporate banking.traditional distribution channels, namely branches, Bank Asya aims at offering uninterrupted, rapid and effective service via Online Banking, Alo Asya Telephone Banking, ATM and POS stations.Asya accepts the two basic approaches below as the requirement of gaining targeted market share and works to achieve them:

To develop products of interest-free banking and bringing out new alternative products.

To adapt the products used effectively in banking to interest-free banking system.

In 1996 - Bank Asya is established on October 10th, 1996 in Istanbul. The main branch in Altunizade is opened. In 1998 - Bank Asya begins its credit card operations. An online correspondent relationship goes into effect with all of Yap? Kredi Bank's branches. The Sultanhamam branch is opened. In 1999 - Bank Asya was subject to the Turkish Banking. In 2000 - Internet Banking services become available. In 2000 - Private Finance Houses Private Current and Savings Accounts Safety Fund Regulation came into operation on September 18th; Installment credit cards were launched. In 2003 - The Ministry of Finance authorizes Private Finance Houses to collect tax payments. Collections commence from online PTT branches; Bank Asya a principal member of VISA International as of October 24th. In 2004- As of January 9th, retail customers, and as of March 17th, corporate customers are able to acquire assistance through Alo Asya call center (444 4 888); Changes take place in the organizational structure of our Head Offices. This results in 24 departments working to give our clients the best customer service possible. In 2005 - Website along with our internet banking branch is renovated; Asya Bank signs agreement with Mastercard; Smart Chip card production begins; Bank Asya increases its paid-up capital from TL 120 million to TL 240 million. In 2006 - "Asya Finans Kurumu Anonim Sirket" is now known as "Asya Kat?l?m Bankas? Anonim Sirketi"; After being publicly traded in May 2006, Bank Asya's current paid-up capital is increased 60 Million TL to 300 Million TL; Since 05.2006, Bank Asya stocks are publicly traded by ASYAB code name on the Istanbul Stock Exchange. In 2007-Asya Banks shares were included in the ISE-30 Index in January 2007; The new Head Office building began operations in Umraniye on October 1.In 2008- Bank Asya became the name sponsor of Turkish Football Federation's ague 1; The Head Office organization was further developed with Head Office units rising to 40; Europe's most extensive contact less credit card, AsyaCard DIT and Turkey's first prepaid bank card, AsyaPratic DIT were introduced to the public; Paid-in capital increased to TRY 900 million. In 2009 Bank Asya was displayed the bank having the most effective performance in "Top 1000 World Banks" list of world-known financial magazine, The Banker. AsyaCard DIT was awarded for "the Best Cash Displacement Initiative" at "Visa Europe Member Awards" and "the Best New Credit Card Product Launch" at Cards&Payments Awards. The first contactless prepaid bank card of Turkey, DIT Pratik, ranked first in 2009 category. Reaching 22,2% profit rate Bank Asya has become the most profitable interest - free bank of Turkey for last three years. Number of branches has increased to 158. In 2010- DIT Pratik Card was named "The Best Mastercard Paypass Prepaid Banking Product in Turkey" by Mastercard. Bank Asya branches joined MoneyGram service network to enable international money transfers. AsyaCard received the "Consumer Quality Award" at the 23rd International Consumer Summit. Bank Asya signed an agreement with the Turkish Football Federation to extend its name sponsorship of the 1st League until 2014.. The number of branches has reached to 175. In 2011-Bank Asya received Usury Syndication over 300 million USD dollar with the participation of 26 banks. The first activity of student development program of Bank Asya, Development Base (Gelisim ss) which was announced with "Pilot Your Own Career!", was held with the participation of university students in April in Istanbul, Polonezky.. Bank Asya was chosen the Best Commercial Bank of Turkey in 2011 by World Finance within the scope of the awards given to successful institutions in finance and business world every year. The number of branches has increased to 192.

2. Main Part

.1 Asya Participation Bank

.1.1 Capital and Shareholder StructureAsya establishment capital consisted of TL 2 Million, and current paid-up capital is TL 900 Million. domestic capital is distributed among an ownership that consists of many shareholders (253), excluding publicly listed shareholders.

ShareholderAmount (TL)Share (%)Ortadogu Tekstil Tic. San. A.S.37.992.4804,22Osman Can Pehlivan29.076.0003,23Forum Insaat Dekorasyon Turizm San. ve Tic. A.S.22.565.0592,51Birim Birlesik Insaat?l?k Mmessillik San. ve Tic. A.S.21.630.0002,40Abdulkadir Konukoglu20.088.0002,23Others 302.918.46933,66Publicly Listed465.729.992 51,75TOTAL900.000.000100,00As of 30.June.2010

2.1.2 Affiliates and subsidiaries

Company NameAffiliated Company/ SubsidiaryField of ActivityPaid-up CapitalOwnership (%)Tuna Gayrimenkul Yat?r?m Ortaklg? A.S.SubsidiaryReal Estate and Project Development100.000.000 TL22,94Nil Ynetim Hizmetleri Emlak Tuzum San. ve Ti. A.S.SubsidiaryTourism and Accommodation55.500.000 TL99,93 Is?k Sigorta A.S.SubsidiaryInsurance40.000.000 TL65,42Asya Kart Teknoloj? Hizmetleri A.SSubsidiaryAll Types of ChipCards and Magnetic/Optic Reader Card System50.000 TL99,50Asyaf?n Sigorta Arac?l?k Hizmetleri LTD. STISubsidiaryInsurance Intermediary Services 10.000 TL95Yeni Magaz?c?l?k A.SAffiliated CompanyRetail Store 90.000.000 TL21,84Landmark Supply HoldingAffiliated CompanyRetail Store22.565.000 TL21,84Kredi Garanti Fonu A.SAffiliated CompanyFund Allocation Management for SMEs Loan Guarantee Purposes 240.000.0001,66Tamweel Africa Holding SAAffiliated CompanyFinancial Services26.109.798 EUR40

2.1.3 Rating leader of participation bankingтАж2009 Bank Asya sustained both its growth and its profitability in line with its identified targets thanks to its solid capital base and to its evenhanded balance sheet structure. Bank Asya remained the leader of participation banks in Turkey in 2009 in terms of total assets, total loans, non-cash loans, deposits, and net profit. It registered above sector average growth as measured by total assets, total loans, and total deposits.(see diagram Appendix1)

.1.4 Missiondevelop and provide modern banking services with interest free banking principles, and meet customers needs and expectations with bank's "different expectations require different solutions" approach, and to provide return for shareholders and benefit the Turkish Economy.

.1.5 Visionbe an active, respectful, and trustworthy bank that provides customer service in line with worldwide standards.

.1.6 Bank Asyas Objectivesbe one of the leading interest-free banks. (According to 2008 results it ranked 520th in terms of shareholders equity.)be the bank with the highest brand value in Turkey.rank in the forefront of companies where highly qualified professionals would strive to work.increase its market share.be a bank that pioneers innovations in its sector.sustain the support of social responsibility projects such as social activities and sports.

bank offering service

2.1.7 Corporate Profilecommenced activities in 1996 as Asya Finans, Turkeys sixth private finance house, Bank Asya has since then achieved a strong and respected position as the banking industrys fastest-growing actor even though it is the sectors newest participation bank entry.In 2009 Bank Asyas AsyaCard DIT product received both the Best Cash Displacement Initiative award in the Visa Europe Best Card & Payment Sector Awards and the Cards & Payments Organizations Best New Credit Card Product Launch award.Bank Asya is firmly committed to a strategy of sound and sustainable growth, which it has made an integral part of its corporate