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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 |