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nearly 400 correspondent banks
and financial institutions across the
globe.
A&T Bank rolled out the Tax
and Invoice Collection System in
2015 in order to provide a more
comprehensive array of services to
customers and create additional
cross-selling opportunities. In
addition, we expended much time
and effort to develop innovative
applications that will increase the
active use of our Internet Banking,
which commenced operation in
2014.
Another noteworthy development
in 2015 at A&T Bank is that we
reassessed our corporate strategy
and business model. In frame of the
new strategy, the Bank will continue
to solidify its strong market
position in North Africa while
expanding its business in alternative
African and Middle East markets.
Thereby, we will support Turkey’s
vision of growing its exports,
one of the country’s priority
macroeconomic goals. In addition,
we plan to continue improving our
information technology systems
and automation processes, boosting
our service quality, rationalizing
operating expenses, achieving
full compliance with corporate
governance principles, and
increasing operational efficiency
at full pace. Our core operating
principle will continue to be pursuit
of “sustainable growth” while
remaining steadfast to effective risk
management.
We will continue to generate
lasting value for our
stakeholders.
At A&T Bank, we are proud of the
performance of all our employees
during the recent transformation
process. With the dedicated efforts
of our highly-qualified human
resources, we solidified our position
as a bank with a strong competitive
edge and high growth potential,
while demonstrating an ability to
generate long-term and lasting
value for our stakeholders. A&T
Bank’s professional management
team and staff are capable of and
committed to enhancing our brand
reputation and making growing
contributions to our stakeholders in
2016.
As I conclude my remarks, I would
like to thank all the employees
and executives for their ongoing
support and invaluable efforts.
I would also like to express my
gratitude to our shareholders and
Board of Directors for their past and
future support; to all of our social
and economic stakeholders for their
various contributions; and to our
customers for their trust in the A&T
Bank brand.
Respectfully yours,
ABDULHAKIM ALI EMHEMED
KHAMAG
General Manager