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MANAGEMENT AND CORPORATE GOVERNANCE PRACTICES
13%. In 2015, the industry’s net
profit rose 5.9% and realized TL
26.1 billion. On the other hand,
return on equity fell from 12.2%
to 11.3%. At end-2015, the capital
adequacy standard ratio realized at
15.6%, which was 16.3% at year-
end 2014.
A&T Bank maintained an efficient,
profitable and sustainable growth
focus during 2015.
As of year-end 2015, the Bank’s
total assets stand at TL 4 billion by
increasing 8.2% compared to the
end of the previous year.
While cash loans totaled by
TL 1,357.9 million, marketable
securities portfolio increased
by 60.4% to TL 491.3 million.
Deposits, which rank first among
external sources, increased by 7.7%
to TL 3,347.7 million. In this period,
shareholders’ equity rose by 13.1%
to reach TL 601.8 million. At end-
2015, the Bank’s capital adequacy
standard ratio stood at 18.61%.
A&T Bank continued to support
contracting firms, as well as
exporters and importers in 2015.
Total guarantees and warrantees,
consisting of letters of guarantee,
letters of credit and banks
acceptances, amounted to
TL 2.4 billion. Net profit of the Bank
reached to TL 70.1 million; return
on assets and return on equity stood
at 1.88% and 13.18% respectively,
as of year-end 2015.
Dear Shareholders,
In light of the Bank’s goal of
achieving healthy and sustainable
growth, our priorities in 2016 are to
enhance our foreign trade financing
capabilities in Africa and the Middle
East, with a particular focus on
North Africa; activate new delivery
channels; develop new products
and services; bolster our technology
systems infrastructure; and boost
operational efficiency.
We have submitted the 2015
Annual Activity Report, Balance
Sheet, and Income Statements
for your inspection and approval.
On behalf of A&T Bank’s Board of
Directors, I would like to extend my
thanks to our customers for their
continued confidence in us; our
correspondent banks in Turkey and
abroad for their strong and deep-
rooted relationships with us; our
General Directorate for its effective
management; all our employees for
their contributions to the successful
results; and to our esteemed
shareholders for their continuous
support and their honoring of our
General Assembly.
On behalf of the Board of Directors
Osman Arslan
Chairman of the Board of Directors