Yapı Kredi Bank Information Technology

1. Yapı Kredi Bank Information Technology May, 2001

2. General Overview Technology Architecture Application Architecture Technological Organization & Key Processes

3. Technology Architecture Wide Area Network Local Area Network Mainframe/Paralel Sysplex Branch Architecture Application Architecture Branch Architecture ATM Call Center POS ATM Call Center Technological Organization & Key Processes POS Program & Project Mngt. Phone Banking Change Mngt. Service Mngt. SWIFT/MERVA YKB IT Recovery Mngt. Telephone Banking Quality Mngt. Security Mngt. Operations Mngt. General Overview

4. Technological Strategies Management System Management Network Systems Application Development Yapı Kredi Bank Information Technology Organization OPERATIONS PROJECTS LAN Operations & Maintenance System Management Project Design & Development Quality Management Branch & HQ Environments System & Network Security Operations (DBA, CICS, MVS, Storage) Service Mngt App.Planning Change Mngt VTAM Prog. Test Mngt WAN Operations & Maintenance YKB-NET Product Development Türk Telecom Relations System HW & Infrastructure Human Resources Field Services Project Based Groups (30 ongoing projects)

5. General Overview Technology Architecture Application Architecture Technological Organization & Key Processes

6. Technology Architecture Mainframe/Paralel Sysplex Wide Area Network Local Area Network Branch Architecture Call Center/Alobanka ATM POS SWIFT/MERVA Telephone Banking

7. MAINFRAME - Hardware S/390 - Multiple Virtual Storage SYSPLEX / Enterprise Systems Architecture - Operating System OS/390 - Database DB2 - Online Transaction CICS Processing System - Network VTAM

8. Our Systems SYSP X47 : 618 mips. X47 PRODUCTION BX04 BX02 • 4 Mainframe on • production • 2518 mips • 2 coupling facility • 7 terabyte disk capacity (Including ODM) TSOR TSOI R66 : 640 mips R66 BX01 BX03 TSOL TSOP R36 BX08 BX09 SXS1 SXS2 YX01YX03 TEST TSOT TSOZ TSOA TSOB Y2K Y2K

9. Wide Area Networks “Business Enabler” communication network - IP (ie.Notes) • multiprotocol support • scalability • security • availability • manageability • network cost of ownership Application flexibility • Use of Internet technologies (JAVA, HTML, Intranet, extranet) Virtual Private Networking (VPN) Service Provider like service provisioning

10. Our Network Model SNA Network & other VPN SNA IP Network OS/2 MSD ATM POS Backbone >line up >stat Distribution IP Network Access Integrated Network & Service Management Multiple Service WAN Backbone Network Management Systems

11. ZONGULDAK LEVENT TEKIRDAG BAHÇEKAPI SAMSUN GEBZE A ATAKOY KADIKÖY IZMIT GEBZE B CANAKKALE BURSA ESKISEHIR BALIKESIR ANKARA MANISA IZMIR PAMUKKALE KAYSERI KONYA AYDIN DIYARBAKIR MUGLA GAZIANTEP ANTALYA ADANA MERSIN New Communication Network Frame Relay & Concentration Centers

12. Local Area Networks The use of ATM Technology enables us: • Only one architecture for LAN & WAN • Scalable architecture • Switching Technology Quality of Service & Better Resource Sharing • Protocol Independence • Simplified Configuration & Management • Increased Security Token Ring segments Ethernet technology

13. Local Area Networks Remote Locations -YKB Branches -Regional Office -YKB Investment -Law Departments # of users : 8000 OPC Backbone - ATM Floors - Switched Ethernet Cabling - Fiber Optic & UTP5 Servers - NT, Unix, OS/2 Clients -NT workstation OS/2 workstation # of users : 2100 2 mbit lines 2 mbit lines D-Building Backbone - Fast Ethernet Floors - Switched Ethernet Cabling - Fiber Optic & UTP5 Servers - NT, Unix, OS/2 Clients -NT workstation OS/2 workstation # of users : 815 A-Building Backbone - Ethernet Cabling - UTP5 Servers - NT Clients - Win9X # of users : 180 2 mbit lines

14. BRANCH ARCHITECTURE System Software • IBM OS/2 Base Operating System • IBM Network Communications Server for OS/2 Warp Version 5.00 • IBM OS/2 LAN Server • Netfinity Manager for OS/2 • IBM DB2 Universal Database Personal Edition • FCP (Foundation for Coorperative Processing) • EDM (Enterprise Destop Manager) Application Software • FFS (Foundation for Financial Services) • LanDP Version 4.0 • Netscape (Web Browser)

15. WAN SERVER IBM PC330 HOST NETBIOS & TCP/IP (TOKEN RING) Router ATM Client PC BRANCH ARCHITECTURE

16. CALL CENTER Call Center provides to our customers the following services: • Balance Inquiry • Money Transfer/Electronic Funds Transfer • Foreign Exchange • Securities/Treasury • Repo (Repurchase Agreement) • Bill Payments • Automatic Payments • Credit Card Operations • Private Label Card Operations • Card Issues • Time Deposits/Demand Deposits

17. CALL CENTER / 444 0 444 One telephone number to reach all over TURKEY İst.-Levent İst.-Kadıköy Kars Bursa Gebze Ankara Erzurum İzmir Antalya Adana Leased Line + MD110 solution 20 cities Türk Telekom Orientation Service 60 cities Backup Oriented Leased Line

18. MD 110 Customer CALL CENTER NT PDC Print Server Host Tele İşlem (YTLP) DB (Oracle) Server 3745 (FEP) Call Center Interfac programs CICSADKP Securities (MNKP) CIF (SGLP) NT SNA Server RightFax (BDC?) Credit Cards (FBS) Agent PCs and phones Application Link Server CTI Server (Genesys) Tele24 (ATMP) Individual Loans (NWBP) TT LU 6.2 APPC Sesli Yanıt Sistemi (InterVoice) Switch (ERICSSON)

19. ATM • Tools used in the development of ATM applications: • NDC (NCR Direct Connect) • SSDS (Self Service Development System) • Application platform: OS/2 • Currently, NDC applications are replaced by SSDS applications. • Number of active ATM 1.313 (NCR)

20. ATM

21. Lu Lu Mobicom Mobitex Lu Lu POS Telephone Banking SHOW TV, etc OS/2 PNA Concentrator PSTN LIPMAN POS (22.000) Cics to Cics NT PNA Concentrator SCH POS (12.500) POS Terminal Manager SWITCH Intellect POS (2.500) Mobitex Bank Gateway wireless X 25 Ingenico POS (1.500) wireless Lu 6.2 Superonline Internet shopping Banking Gateway Amway (AS/400) MPOS + Gateway HALF SET (Pilot) Number of active POS 66.473

22. SWIFT • YKB’s daily incoming & outgoing message quantity averages 4500 • SWIFT services are provided to customers through 29 centre

23. SWIFT YKB Network SNA YKB VTAM Merva CICS PSTN Dial RC Dial line SWIFT INTERNATIONAL BILTAM Regional Processor X25 Lu Dusseldorf CIP Router Factoring Investment FX Operations Branches

24. Telephone Banking IVR (Interactive Voice Response) • Current IVR applications • Teletel • Alobanka (17 cities) • KKMHB (Credit cards customer service department) • Hardware :Intervoice • Software : Invision & Iform with applications developed on OS/2 platform

25. General Overview Technology Architecture Application Architecture Technological Organization & Key Processes

26. Relationship Management Portfolio CIF Product Factory Management ATM I N Deposit (TD,DD) FX Promissory F FBS Securities POS Import / Export Notes O C Loans&Credits NBS EFT Cheques Merchant Teletel E N T Sales Support E CMS Treasury Payments YKB HR Telerom System R Information Delivery Delivery Services Teller (Branch) Corporate Tables DAL Internet Banking GL / Accounting Settlement Reporting Phone Banking Batch Operations Internet Shopping Campaign Credit Risk PCM Productivity Management Management Management & Control Application Architecture - YKB

27. Why change? Before Change After Change One customer information file Customer introduction on different systems Difficulty in creating new products Product factory Standard graphical user interface Different user interfaces for different environments Product based Customer - Bank relation Consolidated customer data Product Based Customer Based

28. Benefits of change • Functional diversity, • Scenario based work, • Ability to reach and process accounts from different branches, • Parametric and flexible pricing, • Adaptation to Euro, • Integration with the electronic mailing system (Notes), • Possibility to analyse customer, portfolio, branch, field or region based efficiency and profitability, • Operational costs reflecting customer and portfolio profitability, • Different budgeting options on the system.

29. General Overview Technology Architecture Application Architecture Technological Organization & Key Processes

30. Technological Organization & Key Processes Operations Management & Organization Service Management Change Management Security Management Project Management Quality Management Disaster Recovery

31. Operations Management • Guaranties that the production environments are up and efficiently working, 7 x 24 hours a week, • Operation and maintenance of mainframe systems, • System support and problem solving for environments such as MVS, DB2, CICS, VTAM, etc.

32. Operations Management - Database Our database structure: • DB2 (Banking operations) • VSAM (ATM, Credit Cards) • Oracle (Call Center) • Sybase (Securities)

33. Operations Management - Storage Our storage media & capacity: • On disk for online data - 5 terabytes • On tape for archive data - 70 terabytes • Optic CD’s - 3,5 terabytes Our storage hardware • 2 Storagetek 9310 Powderhorn tape library • IBM virtual tape server (VTS) • 2 Hitachi 7700 E disk • 2 IBM Ramac virtual array (RVA) • 2 IBM Optic library • 5 IBM RAMAC Disc • 2 IBM SHARK Disc

34. Operations Management - Batch • Tool used: IBM OPC • Batch jobs run daily average 3500, this number peaks to 5000 at the end of the month/period. • Batch processes, backing up processes and maintenance ends by 09:00 am. • File transfer, data control and support operations for our customers

35. Operations Management - Online • Tool used: Omegamon • Daily Branch CICS transaction counts averages 2,800,000 • Daily Retail Banking CICS transaction counts averages 2,000,000

36. Service Management Service Management focuses on: • Ensuring that these services are meeting defined standards (Service Level Agreements) • Providing a liaison to users, developers, architects and vendors, • Monitoring the services which are provided to these groups,

37. Users Developers/ Architects & Vendors Service Planning Managing Change Systems Management Service Management Service Management

38. Change Management Change Management aims at: • To protect our production environment from all negative effects of change, • To realize each change at the required time interval and quality level, • To enhance productivity and efficiency

39. Security Management • Security Management aims at protecting all YKB resources against unauthorized access • Our main security issues are: • Authentication (via user ID & password) • Authorization (defining user level access) • Access control (protection of resources) • Account Management (via security rules) • Audit (of user violations & critical resources) • Availability (intruder detection, virus protection)

40. Project Management • Yapı Kredi Technology is mainly a project based organization, • Our project office plans & tracks globally all the projects, • There are more than 40 ongoing projects, • 31 certified project managers (certified by PMI, the Project Management Institute)

41. Quality Management • In November 2000, YKT were audited by the international auditors of the TUV-Rheiland, Germany and found eligible for an ISO-9001:1994. • TUV also recommended that YKT can apply for the ISO-9001:2000 upgrade anytime, since YKT’S custom quality system already incorporates the newest requirements of the new version which became available in January 2001.

42. Recovery Management Our scope: All the production assets of YKB Our objective: To provide continuous production service Recovery planning strategies: • Outage Prevention (to build infrastructure such that outage never occurs) • Normal Recovery (To build procedures that enable to recover services as soon as possible if outage occurs) • Disaster Recovery (To recover service in a different location if uncontrollable event destroys the current location)