KKB offers extensive data collection on credit risk analysis to the members with all operational and technical activities conducted as an agency of the Risk Center of the Banks Association of Turkey (TBB).


Risk Center members submit and share information about credit limits extended to natural persons and legal entities and associated credit risk, in addition to accounts receivable to be liquidated, via this system on a monthly basis.

Information is collected from members under the following categories:

  • Credit Limit: Credit limits extended to real persons and legal entities for cash and non-cash loans, funds, and other accounts receivable with respect to their activities.
  • Credit Risk: Receivables arising from cash and non-cash loans and funds extended or mediated to natural persons and legal entities, other accounts receivable with respect to their activities, and associated interest and profit shares.
  • Receivables to be Liquidated: Loans and other receivables classified as frozen receivables by banks. Receivables to be liquidated by leasing, factoring, and financing companies, and accounts classified as uncollectible.

Information collected via this system is consolidated per account and shared with members that have sent notifications about these accounts. Individual inquiries are also possible via the web screen or the web service.

Through this system, the following information is also shared with the members: Information notified to the Risk Center by TMSF (Savings Deposit Insurance Fund of Turkey) regarding credit limit, credit risk, and accounts receivable to be liquidated. Information about risks associated with commercial paper issues and principal debt arising from bills issued through the Central Registry Agency.

The Credit Limit-Credit Risk-Receivables to be Liquidated (CLCR) system launched in 2013 provides comprehensive information required by members to evaluate credit risk.

With adjustments made to the CLCR system in 2019, new risk codes have been introduced for the notification of re-structured receivables.


The Bill Details Notification and Sharing Service collects information about forward-term bills, paid bills, bills protested due to non-payment, bills with withdrawn protests, and canceled/returned bills from banks on a daily basis via the web service and shares it with all members.

Bill details regarding real persons, commercial enterprises of real persons, and legal entities can be individually inquired through the bill inquiry screen on web applications. Risk Center members can get up-to-date information about bills that are reported daily, whether regarding their own customers or not. Besides, bills protested due to non-payment, and bills with withdrawn protests are shared with all members for free through the Bill Feedback web service.


With the Bill Report Service, bill details regarding real persons, commercial enterprises of real persons, and legal persons are obtained from banks, consolidated, and shared with members. Regarding the inquired companies or persons, summarized and detailed information can be accessed about bills paid in the last 5 years, overdue bills, protested bills, bills with withdrawn protest, bills canceled/returned before maturity, and forward-term bills with a due date within 5 years.


In the Bounced Cheque Warning System, information about cheques recorded as dishonored by banks and their account holders, and information about cheques paid after being recorded as dishonored and their account holders are notified to the Risk Center on a daily basis, regardless of the cheque amount.

It is possible to run both individual and multiple inquiries about bad cheques notified by members:

Collective Sharing: Bounced cheque data submitted by members is consolidated and shared collectively with all members of the Risk Center via the File Transfer System.

Individual Inquiry: Results of individual inquiries can also be shared with all members, whether they are customers or not, via the Risk Center’s web applications.


This service enables Risk Center members to inquire about cheques recorded as dishonored as well as cheques paid after being recorded as dishonored.


Credit Reference System is an information-sharing platform, through which detailed data about personal loan products is collected from the members of the Risk Center and then shared with banks and financing companies.

Banks and financing companies that are members of the Risk Center can access online within several seconds via CRS inquiry: Data on all open accounts under which a consumer is “debtor” and “guarantor”; Data on all closed accounts of the last five years; Data on applications made during the last six months; and Loan repayment performance data pertaining to the last 36 months.

With the ability to access any information regarding the overall credit risk and repayment habits of any consumer by using CRS, financial institutions can make any risk decision pertaining to their customers by relying on concrete data.

The CRS Collective Inquiry service allows users to make group inquiries on the portfolio of personal loan customers and to manage risk effectively. As a result, financial institutions can make their loan decisions rapidly (e.g. extend loans by SMS) and offer their loan products rapidly to the right customers under the right conditions.

Thanks to this advantageous system provided by KKB, the finance industry can grow in a healthy manner, and consumers are provided with the financial support they require on a macro scale.

Members transmit the data of customer loan repayments in the prescribed details and format for the present and past on a monthly basis to the CRS. KKB transfers the personal loan product data received from members in accordance with a standard structure to the CRS database in its original state without any modification, consolidation, addition, or other alteration and opens the data to share with the other members. Besides, the information contained in the risk reports comes from this data pool.

Thanks to the CRS Emergency Update Application, members are able to instantly update the financial information and personal information of their credit accounts, delete guarantors and additional card users and make credit deletions without waiting for the next daily notification.

The Credit Reference System ensures minimizing personal credit risk, boosting credit volume used by measuring credit risk, making more rational, faster, and healthier credit and limit decisions. The system also encourages individual credit customers to pay on a regular basis and enables loan utilization to be widespread.

CRS is not a blacklist; it also contains positive loan repayment data. Consequently, customers have the opportunity to introduce themselves easily to an institution with which they will work for the first time ever. While the loan accounts are updated by the members on a daily basis, application records are created and opened to sharing instantly.

After operating with the monthly data reporting and update system until June 2015, CRS began to be updated daily as of that time. In CRS, where millions of accounts are recorded, credit information and payment performance data were ensured to be uploaded to the daily system. With more current data, it became more likely for members to make healthier credit decisions more effectively.

As of July 2016, CRS notification was initiated by the asset management companies as well as banks and consumer financing companies, enabling existing CRS data to be enriched.

As of October 2017, personal and communication data, which is only reported during the opening of an account, began to be received on a monthly basis. Thus, the DVS system was given the capability to be fed with updated personal and communication data.


The Corporate Bureau System (CBS) is an information-sharing system that includes commercially qualified credit information of real and legal entity customers.

Launched in 2005, this groundbreaking application offers a very rich data set for use by members to perform a risk assessment on a legal entity. With the Collective Inquiry function added to the system in November 2013, members can easily update the portfolio at certain periods.

The content-rich system facilitates the sharing of an extensive range of data, including identity details of real persons and legal entities, information about relations on a capital basis, loan account and repayment data, collateral information, and bounced cheque data.

As the number of members who provide information to the system increases, the Corporate Bureau System is being used more intensively. CBS has become an important tool in the credit assessments of KKB-member institutions regarding their corporate customers. As a result of a project carried out to enrich the data of the corporate bureau in 2013, corporate inquiries now include the following: In addition to the total corporate limit, information on group limit, group risk, cash, and the non-cash limit breakdown and overall revised maturity are shared.

In 2014, a function was added to the CBS to enable institutions to perform any updating, deletion, and correction on the Corporate Bureau Urgent Updating screens when there is any missing or erroneous data transmitted to the CBS without waiting for the next notification month. Thanks to the system, where objections received and answered via MIDES are also listed, KKB members can make updates without waiting for the next month’s notification.

The first phase of the CBS Improvement and Simplification initiative commenced in 2017. This project enhanced data diversity within CBS and further improved the system’s data uploading and inquiry performance.

Under this effort, KKB plans to enter Payment Performance data to CBS, just like in CRS, and share the Number of Days of the Biggest Delays in Payments within the Period for any given loan, going back as far as 36 months.

Financial leasing companies that were not in the CBS previously were included in the system as of April 2018; factoring companies were included as of November 2018. Asset management companies also started CBS notifications as of April 2019.

Additionally, turnover and asset size percentiles received from the Ministry of Treasury and Finance, Revenue Administration started to be shared on CBS as of September 2019.

The project to collect CBS notifications on a daily basis and share them the following day, the primary works of which began in the last quarter of 2020, will be implemented in the first quarter of 2021.


The Customer Objections Handling System (MIDES) allows automatic transmission of the objections related to the information shared within the CRS and CBS to the member who registered the record.

Thanks to its construction, objections made by the customer: Through the Personal MIDES application in respect of their data shared in the CRS, and Through the Corporate MIDES application in respect of their data shared in the CBS are handled and concluded in a short period of time. If, as a result of the examination, the determination is made that there is a problem with the shared data, the necessary correction is carried out without a request within a short period of time.

MIDES has the distinction of being the fastest system in the world in terms of examination of and responding to consumer objections when compared to similar systems. Although Risk Center member banks are allowed a maximum of 24 hours to respond to objections made, the actual response time is less than two hours.

In 2018, efforts were made to code the current functions of the individual MIDES application with new technology in order to better meet the developing and changing needs of members.

In parallel to the start of CRS notification and CBS notification by asset management companies in 2016 and 2019, respectively, systemic developments were completed for the submission and evaluation of the objections against the asset management companies’ information.

Thanks to the Foreign Currency Credit and Income Customer Objections Handling System, customer objections are handled and finalized in a short time by accessing the customer information shared via the Foreign Currency Credit and Income Service.

A maximum of 8 business days is allowed for the Risk Center members to respond to the objections.


The Data Verification System (DVS) is a KKB platform that allows members to check the accuracy of the information declared by a consumer who applied to it; complete any missing information of existing customers; and update any outdated data of the customers. DVS is used very intensively by KKB members.

Along with the start of CRS notification by asset management companies in 2016, this information was used to feed the IVS (Information Verification System).


This system provides access to the historical payment data of a cheque issuer. The report includes detailed information about the banks where there is a cheque account, cheques submitted, cheques that bounced but subsequently paid, and details in regard to the dishonored cheques paid in 1-month, 3-month, and 12-month intervals.

In addition to dishonored and paid cheques, the Cheque Report also contains information about post-dated cheques and open cheques. As KKB began collecting information on Postdated Cheques and Open Cheques from its members, the Cheque Report now contains information about issuers’ postdated and open cheques, in addition to dishonored and paid cheques.

The system now allows for the tracking of a person’s performance as a “bearer” in the reports that are offered to members for “inquiry” purposes. In addition to these reports, The Cheque Report Raw Data Presentation System presents information about cheques payable to the issuer at 1-, 3-, and 12-month intervals; the number/amount and ratio of cheques paid upon presentation; the number/amount and ratio of cheques that are dishonored but subsequently paid; the number/amount of cheques that are dishonored and still unpaid.

Thanks to the developments undertaken in 2019, members are able to access cheque scores via the cheque report raw data web service.


Risk Report Raw Data Presentation Service provides information about the historical loan repayment performance of natural persons and legal entities.

Based on personal and commercial loan data that the Risk Center periodically collects from corporate members via CRS and CBS, this report contains the following information: Data such as limits, risks, number of credit accounts of real and legal persons, as well as member information who has an account, their past credit payment performance, number of financial institutions that make a notification, delay and follow-up are included.

The limit and risk information that appears in financial leasing and factoring companies are fed from the CLCR system and presented in the Risk Report.

Improvements made to the individual inquiry service of the Risk Report in 2018 included: grouping under a single heading of services that were previously separate for member types in the current structure; adding data for asset management companies; enriching of individual credit data. In addition, the current service quality was upgraded by making improvements such as simplifying “input” information used in inquiries.


This service allows inquiries about the mutual cheque relations between the issuer and the last endorser who presented the cheque to a bank.

The Cross Cheque Relations Inquiry produces a list showing the number and amount of cheques issued mutually between companies and natural persons, with detailed breakdown analyses that include: “Cheque recorded as dishonored”; “Cheque paid after being recorded as dishonored”; “Cheque paid upon presentation”; and “Issuer’s postdated cheque.”

The Cross Cheque Relations Inquiry service is provided via web applications and web service since November 2015, with all members actively using it.


While the information about bounced cheques is uploaded into the system on a daily basis, the system scans the issuers of these cheques in both the Credit Reference System (CRS) and the Corporate Bureau System (CBS) and produces a special warning message to inform members about the status of the bounced cheque.

Consequently, KKB provides an early warning service to its members by informing them about any potential payment problems their customers may face in the future.


Announcements published in the Official Gazette related to entities prohibited from participation in tenders, an important input for the risk assessments conducted by KKB members, are entered into the system on a daily basis.

Based on this data, various services are provided to KKB-member institutions, including:

  • When an announcement is published about prohibited entities and natural persons, a warning report is produced specially for the financial institution that serves these clients. As a result, members can be informed of notices published about their customers without having to monitor the Official Gazette.
  • If a customer who is the subject of inquiry in the Corporate Bureau has a tender ban record, then this information is also provided at the time of the inquiry.
  • One can run a customer-based search via the web application called Transactions Related to Entities Prohibited From Tenders, and access all announcements published within the year.


Under this service, KKB shares data about futures, options, and similar derivative contracts sold by banks to natural persons and legal entities on a semimonthly basis, including information about limits and risks available one business day before the notification date. Data sharing about derivative transactions can be made either collectively or individually.

  • Collective Sharing: Data about derivative transactions is consolidated for each customer and shared collectively with members that have sent notifications about these customers related to derivative transactions and CLCR (Credit Limit-Credit Risk-Receivables to be Liquidated) on the next business day after the notification.
  • Individual Inquiry: With this option, one can inquire about Credit Limit-Credit Risk-Receivables to be Liquidated and data about derivative transactions.


This service includes: If a court granted an interim injunction on a cheque. If a court lifted an interim injunction order. If a court ordered the cancellation of the cheque by banks on a daily basis and shared it by individual inquiry and collective feedback.

The service of Sharing Information about Cheques under Interim Injunction enables clarification whether there is an interim injunction or cancellation decision on a cheque. With this service, inquiries can be made via the bounced cheque individual inquiry screen as well as the cheque report.


Information about companies that have declared Bankruptcy-Suspended Bankruptcy-Debt Composition and which was published in the Trade Registry Gazette is compiled and shared with all members of the Risk Center via the File Transfer System on a monthly basis.


Court decisions related to bans on issuing cheques and opening cheque accounts are shared daily by the Risk Center with all Risk Center member banks collectively via the File Transfer System.


Within the Ministry of Finance, Revenue Administration (RA), and under the “Customer RA Personal Record Search Service,” Active/Inactive status is shared with information on the identity of the customer (taxpayer), date of establishment, address including UAVT (National Address Database) code and area of activity.

The receipt of the customer’s RA personal record via online inquiry not only improves the productivity on the member’s side but also prevents human-driven operational errors.

In August 2016, New RA Personal Record Change Web Service was launched in addition to the existing “RA Personal Record Search service.” With the addition of the Personal Record Change Web Service, the daily changes in company/person records and the type of operation are shared.

As of July 2020, the RA Personal Record Search Service provides information such as branch details, branch activity name, and code (NACE) of taxpayers that have multiple branches.


This service ensures the collection of monthly limit and risk information on the basis of customers who were insured by (buyers), and customers who have insurance from (sellers), credit insurance companies. In addition, compensation applications made by the seller to insurance companies for unpaid bills are also shared. Credit insurance information can be queried individually on the screen and via the web service.


The Risk Center Customer Report Service provides real persons and legal entities with reports related to their loans that have been consolidated within the Risk Center and shared with the members of the Risk Center. With this service, three different reports can be generated with the information detailed below:

Credit Limit, Credit Risk, Receivables to Be Liquidated

This report includes information pertaining to credit and receivables to be liquidated, which is declared by Risk Center member banks, financial leasing companies, factoring firms, consumer finance companies, asset management companies, resource organizations, and other members. The report can be received in three different versions: Detailed Report, Summary Report, and Non-performing Loans.

Cheque Report

This report pertains to bounced cheques, cheques paid after being processed as bounced cheques, and cheques paid upon presentation, since 2009. The report includes the total number of cheques, the total amount of the cheques, bank information, from which cheques are received, as well as the last 50 bounced cheques processed and paid after being processed as bounced cheques.

Protested Bill Report

It is the report containing information about protested bills. This report contains information about protested bills in the last five years, including bank name, branch name, record type (notification or withdrawal), bill amount, protested bill notification date, protested bill withdrawal date, and reason for withdrawal.


Acceptance/rejection status of the home, auto, and consumer loans; credit cards; overdraft account; and commercial loans, for which natural persons and legal entities have applied, and acceptance/rejection notifications related to these applications are collectively sent to the Risk Center as statistical data. This information, obtained from the banks, contributes to the CBRT’s goal of fostering the development of the financial sector.


Using this system, those banks that are members of the Risk Center and which have Internal Rating systems notify the TBB Risk Center of rating scores assigned to customers, their risk categories, and score scales. They also share this information with the Banking Regulation and Supervision Agency (BRSA).


JCR Avrasya Derecelendirme A.Ş. notifies the TBB Risk Center of its customers’ rating scores, score scales, and reasons for changes in scores. These scores are assigned to customers by Credit Rating Agencies (CRAs), which have been authorized but not directly acknowledged by BRSA. This notification is shared collectively with all Risk Center members, whether or not they are customers of the notification service.


With the Risk Center Data Updating Applications, correction of the data notified and shared by members can be performed instantly, without waiting for the next notification period. Thanks to this service CRS, CBS, Credit Insurance, and Credit Limit-Credit Risk data can be updated online. In 2016, research studies to implement credit insurance buyer and seller notifications via the application were completed.


This system automatically checks whether KKB member data notifications are performed at intervals defined for each product and below a certain error rate, and sends feedback to members so that they can take action. When an error is detected, the system imposes a sanction in accordance with the rules set forth in the Risk Center Circular.

This system provides the following benefits:

  • Improving the quality of member data by minimizing erroneous notification rates,
  • Enabling members to create data notifications in a more controlled and accurate manner,
  • Taking actions according to different types of notifications through product diversification,
  • Protecting customers by ensuring the accuracy of customer information submitted to the Risk Center.


The Official Correspondence Team’s activities include responding to correspondence from customers as well as official institutions such as the court, prosecutor’s office, police headquarters, the Ministry of Finance, Capital Markets Board (CMB), Social Security Institution (SSI), and the Directorate of Execution within the legally required time frame. The team also ensures that the reports requested by the official institutions are produced accurately and completely and become ready for submission.


The Authorization Management Team’s activities include processing membership access forms submitted by members after controlling them in compliance with the memorandum; and authorizing members to have access to the applications after the controls.


Nineteen reports and two bulletins are regularly published every month on the official website of the Risk Center of the Banks Association of Turkey (http://www.riskmerkezi.org).

Related bulletins and reports include the “Credit Limit Credit Risk (CLCR),” “Personal Loan and Credit Card” “Paid Cheque,” “Bounced Cheque” and “Protested Bill” notifications made by members to the Risk Center of the Banks Association of Turkey. In 2017, content related to the decisions on “cheque ban” was also included in these statistics.

The development and the size of the Turkish financial sector, including non-bank financial institutions, along with overdue receivables are analyzed with detailed breakdown analyses in these publications.

They include basic monthly trend analyses as well as special reports published in the sector for the first time, such as the number of people, overdue receivables per city, and the like.


Company Representative Information, Shareholder Information, and Capital Information as part of the Central Registry System (CTMCRS), under the Ministry of Customs and Trade, started to be shared with Risk Center members at the end of 2016.

Members can make an individual inquiry with “MERSİS number, tax identification number or TRID.” Information related to stock corporations, cooperatives, individual enterprises, Turkey branch of foreign companies as well as their businesses established by associations and foundations is available within the service.

In 2018, systems upgrades enabled the sharing of tradesmen data in the Information System of Tradesmen and Craftsmen (ESBIS) via MERSIS. Additionally, information sharing was enriched by enabling results to be collected from both MERSIS and ESBIS when a MERSIS inquiry is made using TRID.


KKB carries out feasibility studies to receive member merchant turnover information from the BKM in monthly periods, on an identity basis, and in consolidated form.

As part of the inquiry service, various information headings – such as member merchant TRID/TID, term (month/year), the number of banks worked with, total turnover – are shared. All Risk Center members are able to benefit from the BKM Member Merchant Turnover Inquiry Service.


This product enables the delivery of negative notifications to requesting members with a warning file through FTP. These negative notifications include different institutions’ cheques, bills, credit insurance, and tender bans belonging to the individual and commercial customers who are notified by members to the Risk Center. Warnings are issued for customers who are notified by members to the Risk Center and involved in credit-limit, credit-risk, receivables to be liquidated (CLCR), individually qualified credit and credit card (CRS) or commercially qualified credits (CBS), issuers’ postdated cheque applications with banks.


This service includes applications where sharing is done based on individual inquiries. The number of individual inquiries made by members on a daily, monthly, and annual basis is shared as a summary and in detail on the basis of member users. Besides, warning messages are created and shared in the same context with members on a daily basis according to the changes in the Trend Analysis Report and daily inquiries.


Customers who are exposed to events defined as force majeure are notified to the TBB Risk Center on a monthly basis by Risk Center members. As part of this service, which can perform individual inquiry through the web screen, collective sharing is done on a monthly basis via FTP.


Debt information of real persons and legal entities who failed to pay their debts in due time was obtained from telecommunication companies at monthly intervals. The data was broken down by the number of overdue days and shared, after being consolidated, with all Risk Center members via the web screen and web service.


The Foreign Currency Credit and Income Inquiry system gives notifications and shares information on foreign currency loans granted to legal entities resident in Turkey, loans extended to these entities from abroad with the mediation of banks, as well as their foreign currency income of the last three fiscal years.

If banks, factoring companies, financial leasing firms, and financing companies extend foreign currency loans or their current foreign currency loan balances change (through reimbursement, the extension of additional loans, closure, balance update, becoming the subject matter of legal proceedings), this is instantly reported to the Risk Center via the web service.

Foreign currency credit and income information, and information about credits utilized as part of the Investment Incentive Certificate are shared individually via the screen and web service application, regardless of whether the member making the notification is a customer or not.

In 2019, new scope codes related to the notification and sharing of re-structured foreign currency credits were introduced to the application. Enhancements were made in the income notification service to ensure notifications comply with the Circular on Capital Movements.


The Banks Association of Turkey (TBB) Risk Center Report was launched on March 15, 2019, via the e-state gateway.

Real persons and real persons’ commercial enterprises are now able to submit report applications by going to “Risk Center Report Application” at www.turkiye.gov.tr.

As part of the service, one report per month can be obtained free of charge; and the right to apply is renewed one month after the date of the previous application.

Users can apply for “Credit Limit and Debt Information” or “Cheque Information” reports. Users have access to the following details in the Credit Limit and Debt Information Report:

  • Debt information on bank/financial institution basis and with respect to their maturity breakdown,
  • Information about outstanding interest/commission fees, if any; the total amount of active or closed debts written as NPL by banks and financial institutions in the past ten years.

The Cheque Information Report contains details of:

  • Cheques paid upon presentation;
  • Bounced cheques that are currently unpaid;
  • Cheques that bounced but were paid afterward;
  • Cheques for collection/collateral by Banks; and the number of cheques leaves not yet drawn.


Thanks to this system, information about commercial credits utilized by real persons’ commercial enterprises and by legal persons are reported and shared on a Risk Code basis.

The total commercial loan extension rate, payment amounts, and remaining balance details of banks, factoring companies, leasing companies, and financing companies are reported daily.

Regardless of whether the member making the notification is a customer or not, Commercial Turkish Lira Risks are shared individually via the web service application. The shared information contains only details about extension amount, and daily payment transactions are not included.


The shared information includes details about the investor, the investment, elements supporting the investment, investment amount, financing of the investment, and special conditions included in the legal persons’ electronic investment incentive certificates (e-YTB), which are kept by the Ministry of Industry and Technology.

This service enables obtaining Investment Incentive Certificate information via instant inquiries, switching from the printed form to the electronic environment, accessing the most up-to-date data in each inquiry, and preventing duplicate loan disbursements.

The Electronic Investment Incentive Certificate is shared with banks and factoring, leasing, and finance companies through the web screen and web service.


Information about commercial TRY and FC credits utilized by legal entities, and by commercial enterprises of natural persons is reported on an account basis.

The total commercial TRY and FC credit extension rate and payment amount details of banks, factoring companies, leasing companies, and financing companies are reported daily.

This information obtained from members is shared with the CBRT, thus supporting the CBRT in monitoring the development of the financial sector.


This reporting system uses data reported by the members of the Risk Center of the Banks Association of Turkey and is accessible only to the members of the Risk Center of the Banks Association of Turkey. With this reporting system, members have the opportunity to simultaneously access the figures of their own institutions, as well as total sector figures classified according to the types of banks and other financial institutions, and to compare these figures. The main purpose of the system is to ensure that desired reports are accessed interactively in line with preferred filters so that members do not have to rely on the scope and format shared in static reports.

The Risk Center Interactive Reporting system currently contains the “Credit Limit, Credit Risk, and Receivables to be Liquidated” (CLCR) data reported by the members of the Risk Center of the Banks Association of Turkey. Data is updated on the third business day of each month to reflect the new period.

Data about Individual Credits and Credit Cards (CRS), Paid Cheques, Bounced Cheques, Postdated Cheques, Open Cheques, Paid Bills, and Protested Bills will also be added to the system in the future. CRS data will be shared on a monthly basis, whereas data on cheques and bills will be shared on a daily basis.

Using the report, members will be able to:

  • access not only sector-wide figures but also figures belonging to their own institutions instantly, thus having the opportunity to make an institution-sector comparison.
  • make choices and instantly reach the results structured according to their own preferences, using the filters in the reporting system and the report’s interactive content.
  • make development and change analyses thanks to the wide time interval offered by the reporting system.


With this service, daily cheque statistics are released to the FTP directories of Risk Center members. With the help of these statistics, members are able to regularly monitor cheque statistics showing sector-general at the highest frequency.


It is a reporting service where the Risk Center member banks can access a detailed breakdown of the postdated cheques they have issued for their customers or transferred to other banks for collection or collateral.

Banks that are members of the Risk Center and issue cheque books for their customers can benefit from this service.

These reports are produced upon members’ request, using the “Postdated Cheque Notification” data collected from Risk Center member banks.

Thus, banks can have an idea about the future cheque payment obligations of their customers whom they offer cheque books. This way, they will have more information about the payment obligations of their customers while making allocation decisions.