The document outlines the business plan for Iuvenes Bank, a commercial bank in Istanbul aiming to serve young people aged 18 to 26. The bank will offer a "Younker Card" credit card with discounts at partner businesses and deferred payments, as well as education loans for students. The bank plans to open 16 branches across Turkey's major cities and universities initially, focusing on internet banking. It will hire a mix of experienced managers and university student interns, prioritizing subjects like business, economics, and engineering.

2. Iuvenes Bank (IB) Business Plan
’’Change for young people’’
We provide YOUth banking
11 December 2012
www.iuvenesbank.com

3. The Content of a Business Plan
Executive Summary
Part 1: General Company Description
Part 2: Products and Services
Part 3: Marketing Plan
Part 4: Management and Organization
11 December 2012
www.iuvenesbank.com

4. Executive Summary
 Iuvenes Bank (IB) is the leading commercial bank in Istanbul
and aim young people
 undergraduate, graduate, Master or PhD students 18 until 26
credit card for young people it will be with discount, low
interest, delay of payment and no charge for credit card usage
fee
 education loan for students
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www.iuvenesbank.com

5.  employee in two parts:
one group who graduated school and the other they are
already student but they can come 2 days per week
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www.iuvenesbank.com

6. Part I: General Bank Description
Our mission is providing products and services according to
the needs and expectations of young.
 Our vision is Iuvenes Bank (IB) with the awareness of being a
strong brand, customers and creating shareholder value,
profitable, efficient, social responsibility and young customer-
oriented products and services.
We want to provide ‘’ Younker Card ’’
11 December 2012

7. Shareholders
 are 3 people :
Anıl Sural who graduated from Okan University in 2013. Business Administration
major with high honor degree and International Relations double major. And then he
got Master degree from Boğaziçi University Finance Engineering. Mr. Sural has
worked Yapıkredi Marketing Vice President and he was CEO of Denizbank in 2023.
Aslı Bozkurt who graduated from Okan University in 2013. She graduated Business
Administration with honor degree. And she got her master degree from Istanbul
University MBA. Mrs. Bozkurt has worked Finansbank Finance Vice President.
Suat Teker who has academic and professional experience. He graduated from
İstanbul Technical University, Management Engineering in 1986. He has been US.
Professor Suat Teker has 2 master degrees one is University of Toledo from Account in
1989 and second is Economy University of New Orleans in 1992. And He has PhD
Degree from University of New Orleans Finance in 1994.
11 December 2012
www.iuvenesbank.com

8. Part II: Products and Services
Iuvenes Bank (IB) have two fundamental products.
One is credit card… ‘’ Younker Card ’’
It is special credit card for young people. Our bank wills
agreements with fast food restaurants, textile and
accessories companies, cinema etc. So they can have
campaign and discount. Every week our discount ratio
and firms might change. If you use Akbil it is Smart
Ticker or HGS Quick Switch System, it will be our
‘’Younker Card’’ too. You can deferral your payment
every 3 months.
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www.iuvenesbank.com

9. Second is education loan…
If you cannot get any scholarship from private
university we provide with low interest for you.
And our funds for who want to go abroad for
study Iuvenes Bank (IB) give for low interest
but we have one reason when you come back
from abroad you should work our bank. If you
studied 2 years you should work our bank 4
years. We will pay your salary and it is good
your career path.
11 December 2012
www.iuvenesbank.com

10.  We will start with 10 branches in İstanbul. These will be Beşiktaş , Kadıköy,
Taksim, Bakırköy, Boğaziçi University, İstanbul University, Okan University,
İstanbul Technical University, Marmara University, Koç University.
3 branches are in Ankara : Kızılay, Bilkent University and Ankara University…
2 will be in İzmir : Konak and Ege University…
And last branches will be Eskişehir at Anadolu University.
 So we are going to open with 16 branches in
Turkey. Every branch will do lottery every month
and we will give I-phone 5 lucky young.
11 December 2012
www.iuvenesbank.com

11.  We will establish strong IT department because
internet banking will be main purpose.
 We do not open sp many branches because young
people can use internet easily and when they use and do
it their staff there we do not pay branch rent, bills and
employee salary. When the use internet they can
transfer their money to other account with our bank it
will be free.
internet banking
Younker Credit Card
Younker Education Loans
low ratio for Treasury Bills, Common Stocks etc
11 December 2012
www.iuvenesbank.com

12.  Pricing strategy other bank cannot
orientating our price
Expertise will be in few years but reputation will be high
for students. Location will be highest young people area
and some of the university’s campus. So it is direct
customer.
We shall not open so many branches we would like to do
with internet banking. Advertising strategy will be cheap.
Because they will record their video and it will enlarge
via social media.
11 December 2012
www.iuvenesbank.com

13. Part IV: Management and Organization
11 December 2012
www.iuvenesbank.com

14. Youth
Banking
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www.iuvenesbank.com

15. Human Resources strategy:
 Iuvenes Bank (IB) approach to human resources is the basis of the principle of
investing in people. Developments in the awareness that all young and creative minds
behind the human resources Iuvenes Bank continuously recruit, train and develop
employees demonstrate their ability to provide environments, provide opportunities, and
rewarding to see the success of the entire system is the basic building blocks.
 We would like to work with 2 kinds of people.
First type is they have an experience and management ability. And second type is part
time workers university student they can work 2 or 3 days per week…
 We will hire Business, Economy, International
Relations, Public Relations, Management, Computer and
Industrial Engineering students.
 First year we will hire 120 employee and our project
first year 40, second year 60, third year 80 and fifth
year 100 workers we will hire.
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www.iuvenesbank.com

16.  Our responsibility is young people…
 Iuvenes Bank (IB) would like to provide cheap banking for them maximum profit for us
and our social responsibility provide job for university or master students and graduated.
Because recently years there are so many new graduated and qualification but they cannot
find job.
Our aim experience and teach some management and banking ability…
On the other hand we believe our bank and we will cooperate with Republic of Turkey,
Central Bank, Capital Markets Board. For our students we will do agreements with other
companies it is good they can increase their sales and our young friend can benefits from it.
11 December 2012
www.iuvenesbank.com

17. by Aslı Bozkurt & Anıl Sural
11 December 2012
www.iuvenesbank.com