About

Risk Center provides reports such as credit limit/risk, non-performing loans, protested bills and cheques.

    Risk Center Report is submitted in 3 different types depending on the information content thereof.

    1- Credit Limits, Credit Risks, Receivables To Be Liquidated Report:

    It is a type of report containing information about credits borrowed from and receivables to be liquidated in banks and financial leasing, factoring, finance and asset management companies being a member of the Risk Center, and is categorized in 3 different report types, namely as Detailed Report, Summary Report and Non-performing Loans:

    - Detailed Report: Report of Credit Limits, Credit Risks and Receivables To Be Liquidated for the current period and for any period to be chosen retroactively within the last 10 years.

    The Report contains such information as Member Name, Branch Name, Credit Type, Credit Limit, Credit Risk (separately for maturities of 0-12 months, 12-24 months and above 24 months), and Interest Accruals / Commission amount.

    - Summary Report: Report of Credit Limits, Credit Risks and Receivables To Be Liquidated for the current period and for any period to be chosen retroactively within the last 10 years.

    The Report contains such information as Credit Type, Credit Limit, Credit Risk (separately for maturities of 0-12 months, 12-24 months and above 24 months), and Interest Accruals / Commission amount.

    This Report does not contain member name and branch name information as in the detailed report.

     

    - Non-performing Loans Report: Report of Non-performing Loans of the last 10 years.

    The Report contains such information as Credit Type categorized as Non-performing Loans, and Period, Member Name, Branch Name, Credit Risk (separately for maturities of 0-12 months, 12-24 months and above 24 months).

    2-Check Report;

    Report of dishonored checks, and checks dishonored and later paid, and checks paid upon submission since 2007. The Report contains such information as total number of checks, total amount, banks from which checks are received, and a list of last 50 checks processed.

      

    3- Protested Promissory Notes Report;

    Report containing information about Protested Promissory Notes. This Report contains such information about the promissory notes protested during the last 5 years as Bank Name, Branch Name, Record Type (Notification or Removal), Promissory Note – Amount, Protested Promissory Note Notification Period, Protested Promissory Note Removal Period, Cause of Removal.

     

    Notes: In determination of Protested Promissory Notes, the report contains records which exactly fit to such information as name and surname/title and address of the report holder.

    One may apply for a Risk Center Report personally, by mail or by e-mail.

    PERSONAL APPLICATION:

    One may personally apply directly to the "Risk Center" or indirectly through "Banks Accepting Applications For Risk Center Report" as listed below.

    Personal Application to Banks Accepting Applications For Risk Center Report:

    After the application form is filled in the "Customer Entry" page in the internet website, a personal application is required to be made directly to the Risk Center or indirectly through "Banks Accepting Applications For Risk Center Report", together with:

    • in the case of a natural person customer, the original copy of identity document; or
    • in the case of a legal entity customer, the original copy of identity document and a notary-certified signature circular of the duly authorized officer of the legal entity; or
    • in the case of an attorney, the original copy of identity document and the power of attorney of the attorney

    After identity check, the customer is informed about the report fee and the service fee of the bank. Then, a print-out of the application form is taken and is signed by the applicant.

    Report fee is paid through the "Banks Intermediating the Collection of Fee of Risk Center Report" as specified below.


    Banks Accepting Applications For Risk Center Report, and Their Service Hours:

    Applications are accepted by branches of the below listed banks during branch working hours. Furthermore, if the "delivery of report by hand" option is chosen in the application form, the report will be delivered through the same bank branches.

    BANK NAME (*) ITS BRANCH CLOSEST TO YOU
    Alternatif Bank A.Ş. Alternatif Bank Branches
    Denizbank A.Ş. Deniz Bank Branches
    Finans Bank A.Ş. Finans Bank Branches
    Halk Bankası A.Ş. Halk Bankası Branches
    Şekerbank T.A.Ş. Şekerbank Branches
    T.C. Ziraat Bankası A.Ş. TC Ziraat Bankası Branches
    Türkiye İş Bankası A.Ş. İş Bankası Branches
    Türkiye Vakıflar Bankası T.A.O. Vakıfbank Branches

    (*) Banks are listed in alphabetical order.

    Personal Application to Risk Center:

    After the application form is filled in the "Customer Entry" page in the internet website, a personal application is required to be made to the Risk Center, together with:

    • in the case of a natural person customer, the original copy of identity document; or
    • in the case of a legal entity customer, the original copy of identity document and a notary-certified signature circular of the duly authorized officer of the legal entity; or
    • in the case of an attorney, the original copy of identity document and the power of attorney of the attorney.

    After identity check, the customer is informed about the report fee. Then, a print-out of the application form is taken and is signed by the applicant.

    Report fee is paid through the "Banks Intermediating the Collection of Fee of Risk Center Report" as specified below, with the application reference number included in the application form or with the identity number.


    Risk Center Address and Service Hours:

    A personal application may be made to the following address of the Risk Center between 09.00 – 12.30 and 13.30 – 17.00 hours in any days other than national, official and religious holidays and public holidays and Saturdays and Sundays.

    Furthermore, if the "delivery of report by hand" option is chosen in the application form, the report will be delivered by the Risk Center.

    Address: Barbaros Mahallesi, Ardıç Sokak, Varyap Meridyen F Blok 34746 Ataşehir / Istanbul



    APPLICATION BY MAIL:

    After the application form is filled in the "Customer Entry" page in the internet website, a print-out of the application form is taken and is signed before a notary public.

    Report fee is paid through the "Banks Intermediating the Collection of Fee of Risk Center Report" as specified below, with the application reference number included in the application form or with the identity number.

    "Notary-certified application form", "notary-certified photocopy of identity document" and "advice note evidencing payment of report fee" are sent to Türkiye Bankalar Birliği Risk Merkezi - Barbaros Mahallesi, Ardıç Sokak, Varyap Meridyen F Blok 34746 Ataşehir / Istanbul address.

    In applications by mail in the name of legal entities, "notary-certified photocopy of identity document", "notary-certified application form" and "notary-certified signature circular" of the duly authorized officer of the legal entity, and an "advice note" evidencing payment of report fee are required to be sent.

    In the case of an application through an attorney, in addition to the documents listed above, a "power of attorney" is required.
     

    APPLICATION BY E-MAIL:

    Application by e-mail may be filed only by natural person customers having a secure electronic signature.

    After the application form is filled in the "Customer Entry" page in the internet website, report fee is paid through the "Banks Intermediating the Collection of Fee of Risk Center Report" as specified below, with the application reference number included in the application form or with the identity number.

    "Application form signed by secure electronic signature" and "advice note" evidencing payment of report fee are required to be sent to  address.

     

    Banks Intermediating the Collection of Fee of Risk Center Report:

    Report fee is paid through branches of the below listed banks or through the defined collection channels with any one of Application Reference Number / T.R. Identity Number / Tax Identity Number.

    BANK NAME (*)

    ITS BRANCH CLOSEST TO YOU

    Alternatif Bank A.Ş. Alternatif Bank Branches
    Denizbank A.Ş. Deniz Bank Branches
    Finans Bank A.Ş. Finans Bank Branches
    Halk Bankası A.Ş. Halk Bankası Branches
    Şekerbank T.A.Ş. Şekerbank Branches
    T.C. Ziraat Bankası A.Ş. TC Ziraat Bankası Branches
    Türkiye İş Bankası A.Ş. İş Bankası Branches
    Türkiye Vakıflar Bankası T.A.O. Vakıfbank Branches

    (*) Banks are listed in alphabetical order.

     

     

    REPORT DELIVERY PROCESS

    Risk Center report is delivered "by hand", "by mail", "to electronic mail address" or "in electronic media".

    It is obligatory to mark any one of the delivery methods mentioned in the preceding paragraph in the application form, and the report is delivered to the customer according to the chosen delivery method.


    DELIVERY BY HAND

    Report may be delivered by hand by the Risk Center or through the "Banks Accepting Applications For Risk Center Report" tabulated hereinabove.

    In deliveries by hand, natural person customers may receive the report against submission of an "original copy of identity document", and legal entity customers against submission of an "original copy of identity document" and "notary-certified signature circular" of the duly authorized officer of the legal entity, and attorneys against submission of an "original copy of identity document" of the attorney and "original copy or notary-certified copy of the power of attorney". 


    DELIVERY BY MAIL

    Reports are posted by mail to the address of the customer given in the application form. The customer is informed by SMS or by e-mail that the report is posted. Report is delivered to the person named in the application form upon an identity check.  


    DELIVERY TO ELECTRONIC MAIL ADDRESS

    Reports are sent by e-mail to the e-mail address designated by the customer in the application form. First of all, a link address (link) for access to the risk report is sent to the e-mail address. The password required for opening the link address is sent by a second e-mail/SMS. The report is displayed by using this password.


    DELIVERY VIA ELECTRONIC MEDIA

    In this option, the risk report can be accessed through "Customer Entry" page at www.riskmerkezi.org address. First of all, when the report is ready, the application reference number and the password are sent as an SMS to the mobile phone number designated in the application form. Entry is made through "Customer Entry" page by using the reference number and the password sent as an SMS. The report is displayed through the information sent as an SMS to the entry screen, and by answering the "personal verification question" to be asked on the screen.

    Risk Center Report fee is TL 2.25 + VAT. 

    The cost of report consisting of the report fee cited above, plus the delivery cost arising out of the method of delivery chosen in the application form, plus the communication cost and the invoice cost (if an invoice is requested to be sent), is given in the following table:

     
    Method of Delivery Costs + VAT Report Cost (TL)
    By mail

    17,25

    By e-mail

    5,18

    In electronic media

    5,00

    By hand

    5,00

    If an invoice is not requested to be sent, the cost of report consisting of the report fee cited above, plus the delivery cost arising out of the method of delivery chosen in the application form, plus the communication cost, is given in the following table;

     
    Method of Delivery Costs + VAT Report Cost (TL)
    By mail

    15,61

    By e-mail

    3,54

    In electronic media

    3,36

    By hand

    3,36

    For natural persons, no fee is charged on the first report in each calendar year.

    If delivery by mail option is chosen, and an invoice is requested to be sent, the delivery cost tabulated below is applied. No fee is charged in other delivery methods.

    Method of Delivery Costs + VAT Report Cost (TL)
    By mail 13,15

    By e-mail

    0,00

    In electronic media

    0,00

    By hand

    0,00

    If delivery by mail option is chosen, and an invoice is not requested to be sent, the delivery cost tabulated below is applied. No fee is charged in other delivery methods.

     
    Method of Delivery Costs + VAT Report Cost (TL)
    By mail

    11,51

    By e-mail

    0,00

    In electronic media

    0,00

     By hand

    0,00

     

    INFORMATION NOTE: The report fee is required to be deposited in the bank within 10 days following the date of creation of Report Application Form in the internet site of the Risk Center, and if not deposited in 10 days, the application form is required to be re-filled in.

     

    For your questions and problems relating to Risk Center Report, you may call the Risk Center Customer Services via 444 99 69.

    Objections, complaints and correction requests due to wrong information or omissions in the report are addressed and transmitted to the Risk Center Member or to the source institution where deficient or wrong records are detected.

    As the Risk Center collects the report information from its members and from source institutions, the objections and correction requests are evaluated by the relevant members, and any corrections made therein are reported to the Risk Center.