Yapi Ve Kredi Bankasi is a commercial bank based in Istanbul, Turkey. The bank has been continuing its education and development activities in four main areas as banking, personal development, leadership and social responsibility. The five core capital assets, which are the basis for Yapı Kredi's success and are influenced by the activities, products and services of the Bank, are defined as financial capital, human capital, social capital, intellectual capital and natural capital. YapıKredi is a fully integrated financial services group supported by domestic and international subsidiaries. The bank serves its customers through retail banking (comprising of individual banking, small and medium-size enterprises (SME) banking and card payment systems), corporate and commercial banking, and private banking and wealth management supported by domestic subsidiaries in asset management, brokerage, leasing and factoring as well as international banking operations in the Netherlands, Azerbaijan and Malta.