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General Information
Corporate Management
Financial Information
Summary Financial Highlights for the Past Five Years
During the period 2010-2014, the Bank achieved
a compound annual growth rate (CAGR) of 34% in
total assets and 31% in net profit.
(TL Thousand)
2010
2011
2012
2013
2014
Total Assets
1,140,559 3,012,586 2,748,287 3,351,680 3,716,720
Marketable Securities Portfolio (Net)
393,201
358,730
328,566
275,035
306,267
Loans and Receivables
495,724
878,446
736,309 1,447,771 1,364,298
Deposits
318,837 1,946,223 1,029,738 2,686,759 3,107,733
Funds Borrowed and Interbank Money Market
482,226
669,323 1,256,861
148,346
9,819
Shareholders’ Equity
305,882
353,977
412,677
461,977
532,187
NET PROFIT
23,669
48,095
59,625
49,590
70,506
Ratings of the Bank
Research and Development Implementations for New
Services and Activities
The credit ratings assigned to the Bank by the international credit rating agency Fitch Ratings are as follows:
Type of Rating
Rating
Outlook
Long-Term Foreign Currency IDR
BB-
Stable
Long-Term Local Currency IDR
BB-
Stable
Short-Term Foreign Currency IDR
B
Stable
Short-Term Local Currency IDR
B
Stable
Viability Rating
bb-
Support Rating
5
National Long-Term Rating
A+(tur)
With a strategic focus on the corporate banking segment, A&T Bank conducted research and development activities in line with the
target of providing new products and services. The Bank launched Internet Banking, its most important new initiative, in the second
half of the year.
In addition, A&T Bank introduced a series of new products including: Lump Sum Payment System, Discount & Purchase Loan, and
Cash Management Program.
In 2015, A&T Bank plans to step up its efforts to launch new products as well as distribution channels, especially in the areas of
Receiving Tax Office, Social Security Institution and Invoice Payments, Customer Relationship Management (CRM)-Integration of
Customer Visit Report Forms into the Banking System, and Internet Banking improvements. The Bank will also continue to strengthen
its technological infrastructure and ensure the automation of workflows.