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Table of Contents
Table of Contents
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SECTION ONE: General Information 4 -
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Annual Report Compliance Opinion 4 -
Shareholding Structure and Paid-in Capital 5 -
Financial Indicators 6 -
Assessment of Financial Strength, Profitability and Debt Repayment Capacity 8 -
Summary Financial Highlights for the Past Five Years 11 -
Ratings of the Bank 11 -
Research and Development Implementations for New Services and Activities 11 -
About A&T Bank 14 -
Vision, Mission, Values 15 -
A&T Bank in 2013 16 -
A&T Bank 2014 Targets 17 -
Milestones 18 -
Message from the Chairman 22 -
Message from the General Manager 24 -
2013 Performance of Turkey’s Economy 26 -
The Turkish Banking Industry in 2013 28 -
A&T Bank in the Turkish Banking Industry 29 -
Operations in 2013 32 -
Treasury 34 -
Financial Institutions 35 -
Sales and Marketing 36 -
Credits 40 -
Information Technologies 42 -
Human Resources 43 -
Internal Support Divisions and Departments 46 -
Subsidiary: A&T Leasing 48
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SECTION TWO: Management and Corporate Governance Practices 51 -
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The Board of Directors Report Submitted to the General Assembly 51 -
Board of Directors 52 -
Senior Management 56 -
Report of the Audit Committee on the Internal Systems of the Bank 58 -
Internal Systems 60 -
Risk Management Policies 60 -
Relations with the Bank’s Risk Group 62 -
Committees 62 -
Individuals and Institutions Offering Support Services 64 -
Other Regulatory Explanations 64 -
Amendments to the Articles of Association 66
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SECTION THREE: Unconsolidated Financial Statements 81 -
SECTION FOUR: Consolidated Financial Statements 171 -
Addresses 261