vdf Holding A.Ş.

With the international know-how of the Volkswagen Financial Services A.G. and the experience of Doğuş Group in the automotive and finance sectors, vdf provides its customers innovative and different financial options.

As the vdf Group, we aim to play an active role on every stage, at which the synergy creating automotive and finance sectors are present together and to create additional profitability and business volume for our strategic partners.

With vdf, which provides services throughout Turkey, the consumer experiences the comfort to receive the vehicle and service credit from one single point, i.e. the authorized dealer. All credit procedures in the name of the customers are performed by an authorized vdf person at the authorized dealer and credit applications are concluded quickly as they are transferred to vdf immediately via Internet.

Vdf, which has been organized as a holding company, incorporated three companies since 2009: Volkswagen Doğuş Tüketici Finansmanı A.Ş., vdf Sigorta Aracılık Hizmetleri A.Ş. and vdf Faktoring Hizmetleri A.Ş.

vdf Otomotiv Finansmanı (Automotive Financing)

(Volkswagen Doğuş Tüketici Finansmanı A.Ş.)

vdf Otomotiv Finansmanı had a successful 2008 and kept its place among consumer finance companies at the top with a market share of 34%. vdf Otomotiv Finansmanı, which has a market share of 12% among all finance organizations, which give personal credits, has a very high penetration rate of 41% among the Doğuş Group brands. vdf Otomotiv Finansmanı, which gave a total of 25 thousand 219 vehicle credits at the end of 2008, reached a total annual operation volume of 1 million TL and a size of assets of 1,41 million TL. vdf Otomotiv Finansmanı is aiming to enter into 20.000 new contracts in 2009.

Vdf provides services for Volkswagen Passenger Car, Volkswagen Commercial Car, Audi, Porsche, Skoda, Seat, DOD, Bentley, Lamborghini, Scania, Volkswagen Marine, Scania Engines, Jaguar and on the basis of authorized dealership to Kosifler ( BMW, Land Rover, Mini ), Arkas ( Volvo ) and Volcar (Volvo).

The new products of vdf diversify the automotive sector...

Planguard, which has been developed by vdf and launched in 2008 is some sort of credit insurance. In case customers face an unexpected problem after the credit paybacks have started, Planguard steps in and takes over the payments within the assurance periodically or pays off the credit debt completely.

AutoXchange, which has been developed by vdf and launched in 2008 is a vdf credit product, which ensures that you can sell your old car without worrying about low prices and obtain your new car with 0 km.

vdf Sigorta Hizmetleri (Insurance Services)

(vdf Sigorta Aracılık Hizmetleri A.Ş)

vdf Sigorta Hizmetleri, which was founded in 2004, is realizing its operations automotive oriented and continues to provide its customers with different insurance products in this context.

The Komboplan, which is provided together by vdf Sigorta Hizmetleri and vdf Otomotiv Finansmanı and consists of a credit and automobile insurance combined in one payment plan, continues with its success and raised its penetration rate of 12% in 2007 to 16% in 2008.

Full Life (extended guarantee), which was launched in December 2007, has continued with its successful development during the year 2008. The Audi Q7 Full Life and Fullchallenge campaigns, which have been organized during the year, played an important role in the development of the product. Full Life reached a penetration rate of 11% at the end of 2008. The activities of vdf Sigorta Hizmetleri regarding innovative products for the automotive sector to be put on the market in 2009 are still continuing.

vdf Faktoring Hizmetleri (Factoring Services)

The corporation license for the factoring services, which will provide important support to authorized dealers and distributors regarding stock financing, has been taken in January 2009. After the activities regarding the foundation of the company have been completed, it is planned to get the operation authorization and start providing services.