Ziraat Bankası 2011 Faaliyet Raporu

Introduction

Management and Corporate Governance Practices

Information on the Activities of the Committees

Attendance by the Members of the Board of Directors and of the Audit Committee in the Meetings Held During the Reporting Period

Related Party Transactions

Activities for Which Support Services are Outsourced in Accordance with the "Regulation Concerning the Outsourcing of Support Services by Banks and the Authorization of Organizations Providing Such Services" and the Persons and Organizations from Which they are Obtained

Financial Information and Risk Management

Statutory Auditors Report

Audit Committee's Assessment of the Operation of the Internal Audit, Internal Control, and Risk Management Systems

Independent Auditor's Report; Unconsolidated Financial Statements and Notes for the Period January 1- December 31, 2011

Ziraat Bank's Financial Standing, Profitability and Solvency

Ratios

Risk Management Policies Adhered to According to Types of Risk

31 December 2007 – 31 December 2011 Summary Balance Sheet and Income Statement

Credit Ratings

Independent Auditor's Report; Consolidated Financial Statements and Notes for the Period January 1 - December 31, 2011

The first step together, to a better future

As the founder of the Turkish banking industry, Ziraat Bank’s ability to be a “bank of reference” in today’s rapidly changing financial markets depends on a dynamic business model that is continually renewed based on such principles as sustainable efficiency and profitability.

In this context, our journey “Together, to a better future” began in December 2011 as a team that is going to such great lengths to create the Ziraat Bank of the future by the 150th anniversary of its foundation, by protecting the values of the Bank.

Within the framework of the project entitled “Together, to a better future”, our aim is not only to be “successful”, but also “to make a difference”.

The principle of change summarized with the expression, “Together, to a better future”, will more strongly prepare Ziraat Bank for global competition in a world that has undergone rapid restructuring.

In line with this principle, Ziraat Bank determined the following as its priorities:

to focus on customer experience,
to keep customer satisfaction at the maximum level,
to ensure continuous development, and
to seek excellence.

In the next two-year period - in which we will reshape the corporate structure of our Bank in order to listen to and understand our customers’ financial needs and offer the right value proposition to them - our most important criterion of success will be to take 1st place in our customers’ minds by winning their hearts and minds, and thus to further strengthen the brand value of Ziraat Bank.

Our fundamental principles are:

To meet our customers’ financial needs at the right time, through the right channel and with the right value proposition
To increase customer loyalty based on the understanding “The Bank and the Ziraat Customer” by allowing our customers to receive services of the same quality from our branches and subsidiaries in any part of the world
To carry out, altogether, all necessary efforts to lead to the sector “with the best practices”