Halkbank offers extensive financial products and services for your need..
Halkbank’s consumer and retail banking services and solutions extend from all types of consumer loans such as housing, automobile and general purpose loans to credit and debit cards including KGS credit and prepaid cards for bridge and highway toll payments, deposit and overdraft accounts and payroll services. Added values are ensured by extensive ATM’s, Call Center (Dialog), Internet Banking, Mobile Banking and TV Banking.
By means of extensive alternative delivery channels, one of Halkbank’s main goals is accelerated growth in retail banking. Internalized technology-intensive approach promoted by customer oriented policies shapes the retail banking products and services and paves the way for multiplying Bank’s business volumes.
Dedicated CRM specialists serve on a 7 days/24 hours basis to meet all customer demands and solve possible problems. The advanced CRM infrastructure is used to track customer records and every new information is added to the system so that further correspondences may include the new available data and hence services may be rendered upon in a more customer friendly manner.
Owing to the payroll services provided for the pensioners, this segment has been appealed to with significant dilligence in line with the social responsibility mission of the bank. A recent product introduced for this segment is the “Smiling Pensioner Loan” peculiar solely to Halkbank with favourable conditions and interest rates.
Within the Card Payment Systems market, Halkbank’s share in terms of number of credit cards and volume of transactions is increasing day by day, along with the introduction of new campaigns and products tailored according to customer demands and preferences. Member merchant network is also developing with the inclusion of notable companies, coupled with added advantages to both the card and merchant dimensions. Purposeful usage of database marketing systems ensure selecting the appropriate targets for new campaigns, while serving as an efficient tool for the designation of novel products and services.
Consumer and Retail Banking segment’s main income channels include but are not limited to interest income from loans to individuals and commission income from credit and debit card-related services and cash-related transactions.