The Development Bank of Turkey (DBT) www.kalkinma.com.tr has added apex banking (wholesale baking) applications in its product lines and sets it as a major lending tool in serving small-sized firms. With apex banking, DBT will make loans extended to on-lending banks and other financial institutions which have wide branch network. DBT determines the target groups and their needs in developing their own projects within the framework of their corporate missions as well as negotiate the terms and conditions of apex financing with on-lending banks. The primary objectives of the projects are supporting job creation and competitiveness of the firms. Two apex banking projects have been completed and those objectives have been achieved. Apex banking activities have been growing over the years in the Bank.