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

Information on the Activities of the Committees

Information on the Activities of the Credit Committee
As required by the Bank’s “Regulation of Management Bodies”, the Credit Committee engages in such activities as examining credit risk strategies and lending policies on a regular basis and, based on the results of such examinations, making recommendations to the Board of Directors concerning changes that need to be made in policies and strategies; taking proposed lendings under consideration if they are in compliance with the Banking Law and applicable legislation; approving those that fall within its authority and presenting those which exceed that authority and which are deemed appropriate to the Board of Directors with its favorable opinion; assessing credit-related regulations and presenting those that it regards suitable to the Board of Directors for its approval; taking into consideration lending policies and presenting those that are deemed appropriate to the Board of Directors for approval; coming to decisions related to lending proposals on such credit restructuring issues as new allocations, term extensions, increases, changes in conditions, and interest reductions.

The Credit Committee met 30 times during 2011 and took 297 decisions.

Chairman
Hüseyin AYDIN, General Manager and Member of the Board

Members
Mehmet MUMCUOĞLU, Deputy Chairman of the Board
Hikmet Aydın SİMİT, Member of the Board

Information on the Activities of the Audit Committee
Pursuant to the Bank’s “Regulation on Management Bodies”, the Audit Committee is obliged to satisfy the duties, powers and responsibilities set out by the Banking Law and the Banking Regulation and Supervision Agency (BRSA). The Committee is responsible for the execution of the Compliance Program that will be formed pursuant to the “Regulation on Compliance Program concerning Prevention of Legalization (Laundering) of Proceeds from Crime and Financing of Terrorism” issued in relation to the enforcement of the Law on the Prevention of Legalization (Laundering) of Proceeds from Crime, and fulfills the duties, powers and responsibilities set out in the legislation issued concerning these matters.

Members
Oğuz KAYHAN, Member of the Board
Halil ÇELİK, Member of the Board