VKF_FRAE_2017

83 VakıfBank Annual Report 2017 The ATM Channel provides over-limit money withdrawal; both VakıfBank’s non-interest income and customer satisfaction were enhanced. » » Corporate Scorecard: Corporate Scorecard was given a more objective infrastructure, and operational costs and risks were reduced. » » Rebate of Retail Customer Fee and Interest: The Bank has started to register and centralize customer fee rebates, as such; it became possible to give faster and more accurate responses to customer complaints. » » VIT-Treasury and Investment-FTF: This project facilitated the tracking of foreseen cost and product utilization ratios as requested by calculating FTF income and expenses on products basis (deposits, loans, credit cards). » » Printing Debit Cards with Chips: This prevents risks associated with the copying of magnetic cards. » » VIT-Sales and Marketing-Dynamic Pricing: A flexible pricing system was constituted to support cross-selling. This project enabled monitoring of customer contracts for pricing proposals; and performance of necessary analyses on defined and realized pricing. » » Card Payment of the Motor Vehicle Tax (MVT): MVT payments can now be made by the web sites via www.vakifbank.com.tr , www.vakifkart.com. tr and the Internet Banking, Mobile Banking, ATM channels with credit/debit cards. All VakıfBank credit and debit cardholders can now use this new payment channel. » » Over-Limit Money Withdrawal at ATMs: With the introduction of over-limit money withdrawal at the ATM channel, both VakıfBank’s non-interest income and customer satisfaction were enhanced. » » VIT-Commercial Loans-Installment Loan Disbursement: With a flexible fee and pricing structure, the Flexible / Parametric Reimbursement Module has been commissioned, allowing an increase in VakıfBank’s collections through partial collection, decrease in the loans delinquency, adaptation of the Dealer Channel Loans Module to the requirements of instalment loans, and real-time reporting of the usable limit. » » Cardless Transfer Money to Mobile: Whether a Bank customer or not, individuals can perform Cardless Money Transfers through Mobile Banking and Internet Channels. » » Real Estate Appraisal Process Software Phase-2: With the integration of collaterals, real estate expertise information no longer has to be entered manually as it is integrated through the index application, thus reducing the Bank’s risks. » » E-Archive Integrator Status: In line with the standards determined by the Revenue Administration, the Bank has adapted its systems to the E-Archive scheme, and started to serve its customers as Special E-Archive Integrator. » » Special Mobile Application for Credit Card Campaigns: VakıfBank mobile application now allows the Bank’s customers to offer and apply credit card campaigns and offers them share/favorite functions. »» OTHER MAJOR PROJECTS » » Credit Reference Service Inquiry: All information from the Credit Registry Bureau (KKB) is utilized and data is provided to individual automatic intelligence. » » Enforcement, Bankruptcy and Promissory Note-Data Matching Software Integration: Increased reliability of enforced, bankrupt and protested note data increases in human productivity and operational efficiency by saving on both time and personnel cost. A new internal training program was built in order to provide educational needs for Bank employees.