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A&T BANK 2014 FAALİYET RAPORU
Convenience Translation of Publicly Announced Consolidated Fınancial
Statements Originally Issued in Turkish, See Note I of Section Three
Arap Türk Bankası A.Ş.
Notes to Consolidated Financial
Statements at 31 December 2014
(Amounts expressed in thousands of Turkish Lira (“TL”) unless otherwise stated.)
ANNU L R PORT 2014
Risk Management Target and Policies
The Parent Bank’s risk strategy, policy, and procedures are approved by board of directors in order to make policies that are
determined, to be approved, to evaluate and manage the risk that bank is exposed to, and to make it in compliance with changing
circumstances, necessary conditions are determined.
Strategies and implementations related to risk management
The objectives of the Risk Management Department are identifying, evaluating, reporting, monitoring and establishing control over the
risks imposed by the bank and the risk groups that the bank is involved in.
Structure and organization of the risk management system
The Risk Management Department is independent from executive actions and is directly affiliated with the Board of Directors. The
Department is structured to operate under the responsibility of The Parent Bank’s Audit Committee and the Internal Systems Director.
Risk management system
The Risk Management System is composed of identifying, evaluating, tracing, controlling, administrating, reporting the potential risks
that The Parent Bank may encounter and the limitation procedures mechanism of these risks.
Risk management principles
The Parent Bank’s risk management principles are being selective about taken risks, identifying risks effectively, measuring, analyzing
and managing, ensuring the risk-return balance, taking robust guarantees level to meet the existing and potential risks and monitoring
closely the adequacy of collateral, having enough capital structure to provide present and future potential risks, ensuring risks that are
kept within defined limits, controlling all activities compliance with approved policies and procedures, provide activities in accordance
with laws and regulations, establish corporate risk culture within The Parent Bank, providing effective reporting channels which will
help to informmanagement level to prevent delay about every type of inconsistencies, in order to follow and to manage risks, The
Parent Bank and market data reviewed regularly. Within the scope of classifying risks besides of legal limits also The Parent Bank
internal limits are provided.