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SECTION ONE: General Information
04
Annual Report Compliance Opinion
05
Shareholding Structure and Paid-in Capital
05
Amendments to the Articles of Association
06
Financial Indicators
08
Assessment of Financial Strength, Profitability and Debt Repayment Capacity
11
Summary Financial Highlights for the Past Five Years
11
Ratings of the Bank
11
Research and Development Implementations for New Services and Activities
14
About A&T Bank
15
Vision, Mission, Values
16
Milestones
20
Message from the Chairman
22
Message from the General Manager
24
2015 Performance of Turkey’s Economy
25
Turkish Banking Industry in 2015
28
A&T Bank in the Turkish Banking Industry
29
Operations in 2015
30
Treasury
31
Financial Institutions
32
Sales and Marketing
34
Credits
36
Information Technologies
38
Human Resources
40
Internal Support Divisions and Departments
42
Subsidiary: A&T Leasing
SECTION TWO: Management and Corporate Governance Practices
44
The Board of Directors Report Submitted to the General Assembly
46
Board of Directors
50
Senior Management
52
Report of the Audit Committee on the Internal Systems of the Bank
54
Internal Systems
55
Risk Management Policies
56
Relations with the Bank’s Risk Group
57
Committees
59
Individuals and Institutions Offering Support Services
59
Other Regulatory Explanations
SECTION THREE: Unconsolidated Financial Statements
62 Independent Audit Report
63 Unconsolidated Financial Report
SECTION FOUR: Consolidated Financial Statements
166 Independent Audit Report
167 Consolidated Financial Report
Addresses
CONTENTS