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Contents
SECTION ONE: General Information
4
Annual Report Compliance Opinion
5
Shareholding Structure and Paid-in Capital
6
Financial Indicators
8
Assessment of Financial Strength, Profitability and Debt Repayment Capacity
11
Summary Financial Highlights for the Past Five Years
11
Ratings of the Bank
11
Research and Development Implementations for New Services and Activities
14
About A&T Bank
15
Vision, Mission, Values
16
A&T Bank in 2013
17
A&T Bank 2014 Targets
18
Milestones
22
Message from the Chairman
24
Message from the General Manager
26
2013 Performance of Turkey’s Economy
28
The Turkish Banking Industry in 2013
29
A&T Bank in the Turkish Banking Industry
32
Operations in 2013
34
Treasury
35
Financial Institutions
36
Sales and Marketing
40
Credits
42
Information Technologies
43
Human Resources
46
Internal Support Divisions and Departments
48
Subsidiary: A&T Leasing
SECTION TWO: Management and Corporate Governance Practices
51
The Board of Directors Report Submitted to the General Assembly
52
Board of Directors
56
Senior Management
58
Report of the Audit Committee on the Internal Systems of the Bank
60
Internal Systems
60
Risk Management Policies
62
Relations with the Bank’s Risk Group
62
Committees
64
Individuals and Institutions Offering Support Services
64
Other Regulatory Explanations
66
Amendments to the Articles of Association
SECTION THREE: Unconsolidated Financial Statements
81
Independent Audit Report
82
Unconsolidated Financial Report
SECTION FOUR: Consolidated Financial Statements
171 Independent Audit Report
172 Consolidated Financial Report
261 Addresses