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Illustration representing credit information sharing among institutions in the Credit Reference System (KRS)

Credit Card

What Is KRS (Credit Reference System)?

The Credit Reference System (KRS) is an information sharing system that, using modern methods, enables detailed information about individual credit product customers to be shared among KKB member institutions, in order to determine the risk factor…

Illustration representing the products and services KKB offers directly to its member institutions

Credit Card

What Products and Services Does KKB Offer Directly to Members?

KKB was established, under banking law, to enable the exchange of all kinds of information and documents among at least five banks, and it also shares credit information about customers. The Credit Bureau of Turkey also serves deposit banks, participation banks, financial institutions, and more.

Logo or illustration representing the Credit Registration Bureau (KKB) in Turkey

Credit Card

What Is KKB (Credit Registration Bureau)?

KKB (Credit Registration Bureau) is a private company established in 1995 under Banking Law No. 5411 with nine bank shareholders, sharing credit information among member institutions.