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SECTION ONE
General Information about the Parent Bank
Page
I.
Parent Bank’s date of establishment, beginning statute, its history regarding changes on its statute
170
II.
Parent Bank’s share capital structure, shareholders directly or indirectly, alone or together holding the management and control of the bank,
related changes within the year and information about bank’s group
170
III.
Information about the Parent Bank’s chairman and members of board of directors, members of audit committee, general manager and
associate general managers and their qualifications, related changes within the year and their shares at the bank
171
IV.
Information on people and entities who have qualified share in the Parent Bank
172
V.
Information about the services and nature of activities of the Parent Bank
172
VI.
The existing or potential, actual or legal obstacles on the transfer of shareholder’s equity between the Parent Bank and its subsidiaries or the reimbursement of liabilities
172
SECTION TWO
Consolidated Financial Statements
I.
Consolidated Balance Sheet(Statement of Financial Position)
174-175
II.
Consolidated of Balance Sheet Commitments
176
III.
Consolidated Income Statement
177
IV.
Statement of Recognized Income and Expense In Consolidated Shareholders’ Equity
178
V.
Statements of Changes in Consolidated Shareholders’ Equity
179
VI.
Consolidated Statements of Cash Flow
180
VII.
Consolidated Statement of Profit Distribution
181
SECTION THREE
Explanations on Accounting Policies
I.
Explanation for basis of presentation and footnotes
182
II.
Information on strategy for the use of financial instruments and foreign currency transactions
183
III.
Information on consolidated associates and subsidiaries
183
IV.
Information on forward transactions, options and derivative instruments
183-184
V.
Information on interest income and expense
184
VI.
Information on fees and commission
184
VII.
Information on financial assets
184-185
VIII.
Information on impairment of financial assets
185
IX.
Information on the offsetting financial instruments
186
X.
Information on sale and repurchase agreements and lending of financial assets
186
XI.
Information on assets held for sale and discontinued operations
186
XII.
Information on goodwill and other intangible assets
186
XIII.
Information on tangible assets
187
XIV.
Information on leasing activities
188
XV.
Information on provisions, contingent liabilities and contingent assets
188
XVI.
Information on liabilities regarding employee benefits
189
XVII.
Information on tax applications
189-190
XVIII.
Additional information on borrowings
191
XIX.
Information on share issuances
191
XX.
Information on bills of exchanges and acceptances
191
XXI.
Information on government incentives
191
XXII.
Information on segment reporting
191
XXIII.
Other disclosures
191
SECTION FOUR
Information on the Consolidated Financial Position of the Group
I.
Information on consolidated capital adequacy ratio
192-199
II.
Information on consolidated credit risk
199-212
III.
Information on consolidated market risk
213-216
IV.
Information related to value at operational risk
216
V.
Information on consolidated foreign currency exchange rate risk
217-219
VI.
Information on consolidated interest rate risk
220-224
VII.
Information on stock position risk
225
VIII.
Information on consolidated liquidity risk
225-230
IX.
Information on fair values of financial assets and liabilities
231-232
X.
Information on consolidated business segments
233
SECTION FIVE
Information on Disclosures and Footnotes of Consolidated Financial Statements
I.
Information on disclosures and footnotes of assets
234-248
II.
Information and disclosures related to liabilities
249-256
III.
Information and disclosures related to off-balance sheets
256-258
IV.
Information and footnotes related to statement of income
259-263
V.
Information and disclosures related to statement of changes in shareholders’ equity
264
VI.
Information and footnotes related to cash flows statement
265
VII.
Information on the group’s risk group
266-267
VIII.
Domestic, foreign and off shore branches or investments and foreign representative offices
267
SECTION SIX
Other Disclosures and Footnotes
I.
Other Information on Group’s Operations
268
II.
Information on events after the balance sheet date
268
SECTION SEVEN
Independent Auditors’s Report
I.
Information on independent auditor’s report
268
II.
Information and footnotes prepared by the independent auditor
268