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GENERAL INFORMATION
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CORPORATE MANAGEMENT
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FINANCIAL INFORMATION
A&T BANK 2013 ANNUAL REPORT
Steadily strengthening its position in its
target markets, A&T Bank reached an
asset size TL 3.4 billion as of year-end.
The shareholders’ equity of our Bank
rose by 11.9% to TL 462 million and
net profit for the period realized at
TL 49.6 million. In 2013, the total
loans of A&T Bank, which meets
its customers’ increasing financing
needs with a more diversified loan
portfolio, reached TL 1.45 billion with
an impressive increase of 97%. Our
customer deposits volume increased
by 107% to TL 382 million. A&T Bank
remains to be a reliable bank with its
capital adequacy ratio at 14.65% and
return on equity of 12.02%.
Obviously, the fact that the number of
our customers doubled in 2013 makes
these results more meaningful.
In 2013, owing to our efforts especially
to improve technological infrastructure
in addition to the new products and
distribution channels we offered, we
took significant steps in line with the
targets of increasing our service quality
and being an efficient and dynamic
bank. Our completed projects and
new systems directly and positively
resulted in our customer focused sales
and marketing approach. We defined
our new service and product priorities
considering the results of Customer
Satisfaction Survey, which was done
in 2013 in line with our belief that
customer loyalty can be ensured by
the way of paying attention to their
demands and expectations. We are
focused on creating new service and
sales opportunities through alternative
distribution channels with the Internet
Banking Project that we target to
complete in the first quarter of 2014.
During the forthcoming period, our
Bank will pursue its operations in line
with its vision of ensuring sustainable
and profitable growth in the local market
and becoming the most preferred
bank providing the best services in the
banking transactions between Turkey
and North Africa and the Middle East.
In 2014, our Bank will continue its
efforts in developing new products and
services, launching new distribution
channels, especially including ATMs
and corporate co-brand cards,
strengthening its technological
structure and enhancing operational
efficiency.
Our Bank’s strength is derived from
the support and care of our customers,
shareholders and employees in all
of our business processes. I would
like to take this opportunity to thank
our shareholders, clients, all of our
employees and other stakeholders.
Sadek K. S. ABU HALLALA
General Manager
49.6
Net term profit (TL Million)
Net term profit of A&T Bank
realized as TL 49.6 million in
2013.