Page 54 - A&T BANK ANNUAL REPORT 2012

GENERAL INFORMATION
CORPORATE MANAGEMENT
FINANCIAL INFORMATION
GÖNÜL ÇULHA ÖZSOY
Director/Internal Systems
Her bio is found on page 45.
Mrs. Özsoy’s principal responsibilities are to ensure
performance of internal systems operations in an efficient
and effective manner in compliance with relevant rules and
regulations and report activities of the internal systems and
their results to the Audit Committee, pursuant to Article 29
of the Banking Law and provisions of the Regulation on the
Internal Systems of Bank issued by the Banking Regulation
and Supervision Agency (published in Official Gazette No.
2633 dated November 1, 2006).
ALİ KASTAL
Head of the Inspection Council
A graduate of Istanbul University, Faculty of Economics,
Department of Economics, Mr. Kastal subsequently worked
in the Foreign Trade Directorate at T.C. Ziraat Bankası A.Ş.
from 1997 through 2000. He has served on the A&T Bank
Inspection Council since 2000 and has presided over the
council since 2009. Mr. Kastal has 16 years of professional
experience.
Mr. Kastal’s principal responsibility is to manage and fulfill
the requirements of the internal audit function pursuant
to Article 32 of the Banking Law and the provisions of the
Regulation on the Internal Systems of Banks.
INTERNAL SYSTEMS
İLHAN GÜVEN
Manager/Internal Control Department
A graduate of Istanbul University, Faculty of Political
Sciences, Department of Public Administration, Mr. Güven
worked in the Consumer Banking Department and Inspection
Council at Bank Ekspres A.Ş. from 1996 to 1998. Since 1999,
he has served in various departments of A&T Bank. In July
2012, Mr. Güven was appointed as Manager of the Internal
Control Department, where he has worked since 2005. He
has17 years of professional experience.
CEM ERTAN
Manager/Risk Management Department
A graduate of Boğaziçi University, Department of Economics,
Mr. Ertan started his career in the Financial Analysis
Department of Yaşarbank A.Ş. in 1998. He has worked at
A&T Bank since 2000 and has served as Manager of the Risk
Management Department since 2008. Mr. Ertan has 14 years
of professional experience.
Pursuant to Article 31 of the Banking Law and Regulation
on the Internal Systems of Banks, Mr. Ertan’s principal
responsibilities include planning and maintaining the
risk management systems of the Bank; determining risk
management strategies, policies and implementation
procedures; and defining, measuring, analyzing, tracking,
studying, and reporting risks in accordance with principles
approved by the Board of Directors.
RISK MANAGEMENT POLICIES
The Bank’s risk strategy, policy, and procedures, which were
approved by the Board of Directors, have been set out based
on the following principles:
• To be selective in risk-taking
• To define, measure, analyze, and manage risks effectively
• To secure the balance between risk and return
• To have sound collateral covering both existing and
potential risks, and to closely monitor the sufficiency of this
collateral
• To have adequate capital to cover existing and potential
future risks
• To secure the appropriate level of risks within defined
limits
• To ensure that all operations are conducted in accordance
with approved policies and procedures
• To ensure that all operations are in compliance with
applicable laws and regulations
• To establish an appropriate corporate culture within the
Bank based on risk-taking
• To create effective reporting channels, and ensure the
timely informing of relevant management authorities to
eliminate any form of discrepancy
A&T Bank focuses on the definition, measurement, analysis
and management of the risks involved in its operations, and
determines its risk management policies and application
procedures in a consolidated manner.