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34 A&T BANK ANNUAL REPORT 2015
SPECIFIC
SOLUTIONS
FOR
FUNDING NEEDS
CREDITS
A&T Bank, adopting a boutique
approach to banking services,
differentiates from the competition
in credit facilities in terms of serving
customers, particularly in the real
sector. The Bank continued to
capitalize on its effective product
management, service excellence,
and exceptional operational speed
to deliver integrated solutions and
actively meet the funding needs of
entrepreneurs in 2015.
The Bank’s lending process focuses
meticulously on the trustworthiness,
market intelligence, financial data,
and past and predicted future
performance of companies. Each
client request is assessed on an
individual basis and unique credit
solutions are generated to meet all
requirements.
A&T Bank’s loan products are
divided into two categories: cash
and non-cash loans. Cash loans
are provided by considering
companies’ requirements and cash
flows, whereas non-cash loans are
offered based on the customers’
projects and commercial relations.
In cash and non-cash loan
transactions, A&T Bank strives
to build long-term business
relationships with customers and
with its highly competent and
well-qualified staff, the Bank
manages customer relationships
effectively.
The Bank’s cash loans portfolio
includes; (TL&FC):
Spot Loan
Revolving Loan
Export Financing
Foreign Currency-indexed Loan
Installment Commercial Loan
Daily Loan
Commercial Overdraft Account
Non-cash loans; (TL&FC):
Tender Guarantee
Performance Guarantee
Advance Payment Guarantee
Acceptance Credit
Import Letters of Credit
In addition, the Bank provides
Eximbank credits.
Cash and non-cash loan volumes
increased to TL 1,356 million and
TL 2,362.4 million as of year-end
2015, respectively.
The share of cash loans in total
assets was 33.7% in 2015.
The non-performing loan ratio, the
most significant indicator of asset
quality, with 1.05%, remained
below the industry average which
is 3.09%.
One of the main business criteria of
the Bank is to achieve growth in a
prudent manner without increasing
its non-performing loan ratio.
In 2016, A&T Bank will closely
monitor global economic
conditions and potential risks as
part of its lending activities while
continuing to move forward
in pursuit of healthy, prudent,
sustainable growth. The Bank’s
top objectives include standing
by corporate and commercial
segment customers, analyzing
customer needs accurately based
on objective criteria, and ensuring
the sustainability of positive
contributions to the bottom line.