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SECTION ONE
General Information About The Bank
Sayfa No
I.
Bank’s date of establishment, beginning statute, its history regarding changes on its statute
70
II.
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
70
III.
Information about the 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
71
IV.
Information on people and entities who have qualified share in the bank
72
V.
Information about the services and nature of activities of the bank
72
VI.
The existing or potential, actual or legal obstacles on the transfer of shareholder’s equity between the Bank and its subsidiaries or the reimbursement of liabilities
72
SECTION TWO
Financial Statements
I.
Unconsolidated Balance Sheet (Statement of Financial Position)
74-75
II.
Unconsolidated Off Balance Sheet Commitments
76
III.
Unconsolidated Income Statement
77
IV.
Statement of Recognized Income and Expense In Unconsolidated Shareholders’ Equity
78
V.
Statement of Changes In Unconsolidated Shareholders’ Equity
79
VI.
Unconsolidated Statement of Cash Flow
80
VII.
Unconsolidated Statement of Profit Distribution
81
SECTION THREE
Explanations on Accounting Policies
I.
Explanation for basis of presentation and footnotes
82
II.
Information on strategy for the use of financial instruments and foreign currency transactions
83
III.
Explanations on investments in associates and subsidiaries
83
IV.
Information on forward transactions, options and derivative instruments
83
V.
Information on interest income and expense
83
VI.
Information on fees and commission
84
VII.
Information on financial assets
84-85
VIII.
Information on impairment of financial assets
85
IX.
Information on the offsetting financial instruments
85
X.
Information on sale and repurchase agreements and lending of financial assets
85
XI.
Information on assets held for sale and discontinued operations
86
XII.
Information on goodwill and other intangible assets
86
XIII.
Information on tangible assets
87
XIV.
Information on leasing activities
87
XV.
Information on provisions, contingent liabilities and contingent assets
88
XVI.
Information on liabilities regarding employee benefits
88
XVII.
Information on tax applications
88-89
XVIII.
Additional information on borrowings
89
XIX.
Information on share issuances
90
XX.
Information on bills of exchanges and acceptances
90
XXI.
Information on government incentives
90
XXII.
Information on segment reporting
90
XXIII.
Other disclosures
90
SECTION FOUR
Information Related to Financial Position of the Bank
I.
Information on capital adequacy ratio
91-98
II.
Information on credit risk
98-111
III.
Information on market risk
111-115
IV.
Information related to value at operational risk
115
V.
Information on foreign currency exchange rate risk
116-118
VI.
Information on interest rate risk
118-123
VII.
Information on stock position risk
123
VIII.
Information on liquidity risk
123-128
IX.
Information on fair values of financial assets and liabilities
128-129
X.
Information on business segments
130
SECTION FIVE
Information on Disclosures and Footnotes of Unconsolidated Financial Statements
I.
Information on disclosures and footnotes of assets
131-144
II.
Information and disclosures related to liabilities
144-151
III.
Information and disclosures related to off-balance sheets
152-154
IV.
Information and footnotes related to statement of income
155-160
V.
Information and disclosures related to statement of changes in shareholders’ equity
160-161
VI.
Information and footnotes related to cash flow statement
161-162
VII.
Information on the bank’s risk group
162-163
VIII.
Domestic, foreign and off shore branches or investments and foreign representative offices
163
SECTION SIX
Other Disclosures and Footnotes
I.
Other Information on Bank’s Operations
164
II.
Information on events after the balance sheet date
164
SECTION SEVEN
Independent Auditors’s Report
I.
Information on independent auditor’s report
164
II.
Information and footnotes prepared by the independent auditor
164