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A&T Bank maintained
profitability and achieved its
financial targets in 2014.
4
A&T Bank specializes in
facilitating trade between Turkey
and the countries in North Africa
and Middle East.
12
A&T Bank conducts its
operations in accordance with
ethical values and the principles
of social responsibility.
13
A&T Bank recently completed
an extensive upgrade of its
information technologies and
organizational infrastructures.
20
The launch of Internet Banking
services fulfilled an important
need in terms of diversifying
A&T Bank’s distribution
channels.
22
SECTION ONE: General Information
2 Annual Report ComplianceOpinion
3 Shareholding Structure and Paid-in Capital
4 Financial Indicators
6 Assessment of Financial Strength, Profitability andDebt
Repayment Capacity
9 Summary Financial Highlights for the Past Five Years
9 Ratings of the Bank
9 Research andDevelopment Implementations for New
Services and Activities
12 About A&T Bank
13 Vision, Mission, Values
14 A&T Bank in 2014
15 A&T Bank 2015 Targets
16 Milestones
20 Message from the Chairman
22 Message from theGeneral Manager
24 2014Performance of Turkey’s Economy
25 The Turkish Banking Industry in 2014
28 A&T Bank in the Turkish Banking Industry
29 Operations in 2014
30 Treasury
31 Financial Institutions
32 Sales andMarketing
36 Credits
38 Information Technologies
40 Human Resources
42 Internal Support Divisions andDepartments
44 Subsidiary: A&T Leasing
SECTION TWO: Management and Corporate
Governance Practices
46 The Board of Directors Report Submitted to theGeneral
Assembly
48 Board of Directors
52 Senior Management
54 Report of the Audit Committee on the Internal Systems of
the Bank
56 Internal Systems
57 RiskManagement Policies
58 Relations with the Bank’s Risk Group
59 Committees
61 Individuals and Institutions Offering Support Services
61 Other Regulatory Explanations
63 Amendments to the Articles of Association
SECTION THREE: Unconsolidated Financial Statements
67 Independent Audit Report
68 Unconsolidated Financial Report
SECTION FOUR: Consolidated Financial Statements
167 Independent Audit Report
168 Consolidated Financial Report
269 Addresses
Financial Indicators
About A&T Bank
Vision, Mission
Message from the Chairman
Message from the General Manager
CONTENTS