Table of Contents - A&T BANK ANNUAL REPORT 2012
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Table of Contents
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SECTION ONE: General Information 4 -
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ANNUAL REPORT COMPLIANCE OPINION 4 -
AMENDMENTS TO THE ARTICLES OF ASSOCIATION 5 -
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 ACTIVITIES 11 -
ABOUT A&T BANK 14 -
OUR VISION, OUR MISSION 15 -
A&T BANK IN 2012 16 -
A&T BANK TARGETS FOR 2013 17 -
MILESTONES 18 -
MESSAGE FROM THE CHAIRMAN OF THE BOARD 20 -
MESSAGE FROM THE GENERAL MANAGER 22 -
2012 PERFORMANCE OF TURKEY’S ECONOMY 26 -
THE TURKISH BANKING INDUSTRY IN 2012 28 -
A&T BANK IN THE TURKISH BANKING INDUSTRY 29 -
OPERATIONS IN 2012 32 -
TREASURY 33 -
FINANCIAL INSTITUTIONS 33 -
SALES AND MARKETING 34 -
CREDITS 35 -
INFORMATION TECHNOLOGIES 36 -
HUMAN RESOURCES 37 -
INTERNAL SUPPORT DIVISION AND DEPARTMENTS 38 -
SUBSIDIARY: A&T LEASING 42
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SECTION TWO: Management and Corporate Governance Practices 44 -
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THE BOARD OF DIRECTORS REPORT SUBMITTED TO THE GENERAL ASSEMBLY 44 -
BOARD OF DIRECTORS 46 -
SENIOR MANAGEMENT 48 -
STATUTORY AUDITORS 50 -
STATUTORY AUDITORS’ REPORT 51 -
REPORT OF THE AUDIT COMMITTEE ON INTERNAL SYSTEMS OF THE BANK 52 -
INTERNAL SYSTEMS 54 -
RISK MANAGEMENT POLICIES 54 -
RELATIONS WITH THE BANK’S RISK GROUP 55 -
COMMITTEES 56 -
INDIVIDUALS AND INSTITUTIONS OFFERING SUPPORT SERVICES 57 -
OTHER REGULATORY EXPLANATIONS 58
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SECTION THREE: Unconsolidated Financial Statements 61 -
SECTION FOUR: Consolidated Financial Statements 149
