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General Information
Corporate Management
Financial Information
A&T Bank maintained a high level of profitability and achieved
its financial targets in 2014.
• As of year-end 2014, the Bank’s total assets stand at
TL 3.7 billion by increasing 10.9% compared to the
end of the previous year. While cash loans totaled by
TL 1.364.3 million, marketable securities portfolio increased
by 11.4% to TL 306.3 million.
• Deposits, which rank first among external sources, increased
by 15.7% to TL 3.1 billion. In this period, shareholders’ equity
rose by 15.2% to reach TL 532.2 million. As of December
2014, the Bank’s capital adequacy ratio stood at 15.8%.
• A&T Bank continued to support contracting firms, as well
as exporters and importers in 2014. Total guarantees and
warrantees, consisting of letters of guarantee, letters of credit
and banks acceptances, amounted to TL 2.3 billion.
• As of year-end 2014, net profit for the period rose
significantly, by 42.2% to TL 70.5 million, up from
TL 49.6 million at year-end 2013. Return on assets and
return on equity, which stood at 1.65% and 12.02% as of
year-end 2013, rose to 2% and 15.28%, respectively, as of
year-end 2014.
Dear Shareholders,
As in the past, A&T Bank’s top priorities in the coming period will
include further expanding foreign trade operations particularly
across the MENA Region, focusing on new and alternative
overseas markets, and increasing the Bank’s domestic banking
presence. The Bank will also continue efforts to develop new
products, services and distribution channels, strengthen its
technology infrastructure, and improve operational efficiency.
We have submitted the 2014 Annual Report, Balance Sheet,
and Income Statements for your inspection and approval. On
behalf of A&T Bank’s Board of Directors, I would like to extend
my thanks to our customers for their continued confidence
in us; our correspondent banks in Turkey and abroad for their
strong and deep-rooted relationships with us; our General
Directorate for its effective management; all our employees
for their contributions to the successful results; and to our
esteemed shareholders for their continuous support and their
honoring of our General Assembly.
On behalf of the Board of Directors
Osman Arslan
Chairman