Page 2 - A&T BANK ANNUAL REPORT 2012
Basic HTML Version
2012 ANNUAL REPORT
Contents
SECTION ONE: General Information
2
Annual Report Compliance Opinion
3
Amendments to the Articles of Association
3
Shareholding Structure and Paid-in Capital
4
Financial Indicators
6
Assessment of Financial Strength, Profitability and Debt Repayment Capacity
9
Summary Financial Highlight for the Past Five Years
9
Ratings of the Bank
9
Research and Development Activities
12
About A&T Bank
13
Vision, Mission
14
A&T Bank in 2012
15
A&T Bank Targets 2013
16
Milestones
18
Message from the Chairman
20
Message from the General Manager
24
Turkey’s 2012 Economy Performance
26
Turkish Banking Industry in 2012
27
A&T Bank in the Turkish Banking Industry
30
Operations in 2012
31
Treasury
31
Financial Institutions
32
Sales and Marketing
33
Credits
34
Information Technologies
35
Human Resources
36
Internal Support Divisions and Departments
40
Subsidiary: A&T Finansal Kiralama A.Ş.
SECTION TWO: Management and Corporate Governance Practices
42
The Board of Directors Report Submitted to the General Assembly
44
Board of Directors
46
Senior Management
48
Statutory Auditors
49
Statutory Auditors’ Report
50
Report of the Audit Committee on the Internal Systems of the Bank
52
Internal Systems
52
Risk Management Policies
53
Relations with the Bank’s Risk Group
54
Committees
55
Individuals and Institutions Offering Support Services
56
Other Regulatory Explanations
SECTION THREE: Unconsolidated Financial Statements
61
Independent Audit Report
64
Unconsolidated Financial Report
SECTION FOUR: Consolidated Financial Statements
149
Independent Audit Report
152
Consolidated Financial Report
236
Addresses
