Teskomb
Cinnah Cd. No : 5
Kavaklıdere
Çankaya Ankara 06680
Turkey
+90 3124686081
+90 3124686085
ahmetbakirsahin@hotmail.com
http://www.teskomb.org.tr
Teskomb’ s Headquarter
TESKOMB has been going on working to meet tradesmen and craftsmen financial needs as a unique Union. Tradesmen and Craftsmen Credit and Guarantee Cooperatives, guarantees 100 % to the credits allocated by Halkbank for tradesmen and craftsmen. Today TESKOMB has 32 Regional Unions, 1008 Tradesmen and Craftsmen Credit Guarantee Cooperatives, 10,000 administrators and staffs and 1,500,000 partners. The Total Volume of Guarantees Granted is 40.000 Billion TL and the Total Number of Guarantees Granted is 1.017.000
In order to find effective and constant solutions to tradesmen and craftsmen’s financial problems, TESKOMB focused on the: Policy Compose at the National Level, The Regulation and System Adaptation in Line with Changing Conditions, Coordination of Activities, Training and Audit.
| Year of creation individual entities or association | 1970 |
| Type of scheme guarantee or counter-guarantee | Guarantee |
| Product typology guarantee or counter-guarantee or co-guarantee | Guarantee |
| Ownership i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models | Fully mutual |
| Shareholder structure Private / Public (in %) | 100% Private |
| Legal form of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc. | Cooperative |
| Legal form of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc. | Cooperative |
| Structure / Network i.e. central scheme with regional offices, central scheme only, association network | Central scheme with regional offices |
| Geographic coverage i.e. local, regional, national | National |
| Sectorial focus i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc. | Crafts, Retail, Liberal professions |
| Size of businesses supported i.e. large companies, SMEs, micro-enterprises, independent/self-employed | SMEs, Micro-enterprises, Independent/Self-employed |
| Supervision statute i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members | Financial intermediary for subsidized credits by Treasury |
| Profit / Non-profit oriented dividends to public shareholders are not considered as profit orientation | Non-profit oriented |
| Do you benefit from a counter-guarantee at local, regional or national level? Local level or Regional level or National level | No |
| Are you/your members financial intermediary for EU-programmes? CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020 | No |
| Types of guarantee products provided by your organisation/your members | Working capital loan guarantees, Investment Loan Guarantee, Discount Loan Guarantee |
| Other SME support instruments offered by your organisation/your members Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services | Subsidized loans |
| Is the activity subject to state aid regulation? | Yes |
| Do you (your members) use..? De minimis or GBER or Regional guidelines or Notification | No |
| Do you (your members) dispose of an internal rating/scoring system? | Yes |
| Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)? | Yes |
| Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)? | No |
