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GENERAL INFORMATION 		6
Annual Report Compliance Opinion 		6
Shareholding Structure and Paid-in Capital 		7
Amendments to the Articles of Association 		7
Financial Indicators 		8
Assessment of Financial Strength, Profitability and Debt Repayment Capacity 		10
Summary Financial Highlights for the Past Five Years 		13
Ratings of the Bank 		13
Research and Development Implementations for New Services and Activities 		13
About A&T Bank 		16
Vision, Mission, Values 		17
Milestones 		18
Message from the Chairman 		22
Message from the General Manager 		24
2015 Performance of Turkey’s Economy 		26
Turkish Banking Industry in 2015 		27
A&T Bank in the Turkish Banking Industry 		30
Operations in 2015 		31
Treasury 		32
Financial Institutions 		33
Sales and Marketing 		34
Credits 		36
Information Technologies 		38
Human Resources 		40
Internal Support Divisions and Departments 		42
Subsidiary: A&T Leasing 		44
MANAGEMENT AND CORPORATE GOVERNANCE PRACTICES 		46
The Board of Directors Report Submitted to the General Assembly 		46
Board of Directors 		48
Senior Management 		52
Report of the Audit Committee on the Internal Systems of the Bank 		54
Internal Systems 		56
Risk Management Policies 		57
Relations with the Bank’s Risk Group 		58
Committees 		59
Individuals and Institutions Offering Support Services 		61
Other Regulatory Explanations 		61
UNCONSOLIDATED FINANCIAL STATEMENTS 		63
Independent Audit Report 		64
Unconsolidated Financial Report 		65
CONSOLIDATED FINANCIAL STATEMENTS 		167
Independent Audit Report 		168
Consolidated Financial Report 		169
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