Vision, Mission and Values A A

To be a bank that

• always keeps internal and external customer satisfaction at the highest level thanks to the reliable and high quality service,

• is close to customers and easy to work with,

• operates by taking ethic values and social responsibility consciousness into consideration,

• open to innovation and improvements,

• takes sustainable growth into basis without compromising effective risk management,

• distinctly and continuously increase the value it adds to its customers, employees, shareholders and the economy.

• Customer Oriented: Our priority in all of our operations and efforts is the satisfaction of our customers. For this purpose, we always offer honest, respectful, solution oriented and cheerful service.

• Reliability: We establish a confidence and loyalty among our customers, colleagues and business partners thanks to our experience, expertise and knowledge in banking services as well as our commitment to corporate values; whereas we keep our promises timely and completely without compromising prudence.

• Satisfaction of Employees: We value our employees and support their personal and professional development. We place emphasis on delegation and encourage our staff to take initiative. We believe that a fair performance management system is essential to increase efficiency.

• Openness to Change: We always question the way we do business with our customers and business partners and carry on efforts to make our business more efficient and more dynamic. Considering our clients’ expectations and necessities, we invest in technology and strive for increasing our service quality.

• Transparency: As being A&T Bank employees, we clearly and in a timely manner share the required information with the related third parties on the basis of transparency principles and we ensure the availability of information. Meanwhile, we encourage all of our staff to share their thoughts in a constructive and open manner in accordance with accepted banking practices.

• Team Spirit: We place emphasis on team spirit and believe that success can be achieved through cooperation, mutual trust and respect.