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A&T BANK ANNUAL REPORT 2014
Credits
In 2015, A&T Bank aims to maintain healthy,
prudent and sustainable growth by closely
monitoring the potential risks that pose a threat to
global stability.
Adopting a boutique approach to banking, A&T Bank further
improved its service quality in 2014. In all of the Bank’s
corporate and commercial operations, A&T Bank aimed to
meet the financing needs of companies that create significant
added value.
The credit evaluation process of A&T Bank includes morality,
market intelligence, financial data as well as past and expected
future performance of the companies. Customer specific
demands are separately evaluated and met with tailor-made
solutions.
A&T Bank’s loan products are divided into two categories: cash
and non-cash loans. Cash loans are provided by considering
companies’ requirements and cash flows, whereas
non-cash loans are offered based on the customers’ projects
and commercial relations.
In cash and non-cash loan transactions, A&T Bank strives to
build long-term business relationships with customers and with
its highly competent and well-qualified staff, the Bank manages
customer relationships effectively.
The Bank’s cash loans portfolio includes; (TL&FC):
• Spot Loan
• Revolving Loan
• Export Financing
• Foreign Currency-indexed Loan
• Installment Commercial Loan
• Daily Loan
• Commercial Overdraft Account
Non-cash loans; (TL&FC):
• Tender Guarantee
• Performance Guarantee
• Advance Payment Guarantee
• Acceptance Credit
• Import Letters of Credit
In addition, the Bank provides Eximbank credits.
Cash and non-cash loan volumes increased to
TL 1,362.4 million and TL 2,254.4 million as of year-end 2014.
The share of cash loans in total assets was 36.7%.
Despite the increase in cash loan volume, the non-performing
loan ratio, the most significant indicator of asset quality, with
1.14%, remained far below the industry average which is
2.84%.
One of the main business criteria of the Bank is to achieve
growth in a prudent manner without increasing its
non-performing loan ratio.
In 2015, A&T Bank targets to continue its healthy, prudent and
sustainable growth by considering the risks that threaten global
stability. In addition, supporting corporate and commercial
clients, analyzing their needs through objective criteria and
maintaining their contribution to the Bank’s profitability are
among the targets.