TEB 2015 Annual Report

INFORMATION ABOUT LAWSUITS FILED AGAINST THE BANK THAT MAY POTENTIALLY AFFECT THE COMPANY’S FINANCIAL POSITION AND OPERATIONS AND ABOUT THEIR POSSIBLE OUTCOMES

ADMINISTRATIVE OR JUDICIAL SANCTIONS IMPOSED AGAINST THE COMPANY AND THE BOARD OF DIRECTORS MEMBERS ON ACCOUNT OF BREACH OF LEGISLATION

CHANGES IN EQUITY STAKE HELD IN SUBSIDIARIES

INFORMATION ABOUT DEALINGS WITH THE CONTROLLING COMPANY

SUMMARY OF BOARD DIRECTORS’ REPORT

DISTRIBUTION OF PROFIT

ASSESSMENT OF FINANCIAL POSITION AND RISK MANAGEMENT

THE AUDIT COMMITTEE’S ASSESSMENT OF INTERNAL CONTROL, INTERNAL AUDIT AND RISK MANAGEMENT SYSTEMS AND ACTIVITIES DURING THE REPORTING PERIOD

EVALUATION OF FINANCIAL STATUS, PROFITABILITY AND SOLVENCY

RISK MANAGEMENT POLICIES ACCORDING TO VARIOUS TYPES OF RISKS

CREDIT RATINGS ASSIGNED BY RATING AGENCIES AND INFORMATION ON THEIR CONTENTS

DONATIONS

FIVE-YEAR SUMMARY OF FINANCIAL INFORMATION INCLUDING THE REPORTING PERIOD

ANNUAL REPORT COMPLIANCE OPINION

INDEPENDENT AUDITOR’S REPORT, UNCONSOLIDATED FINANCIAL STATEMENTS AND NOTES FOR THE YEAR ENDED DECEMBER 31, 2015

CONSOLIDATED FINANCIAL INFORMATION

INDEPENDENT AUDITOR’S REPORT, CONSOLIDATED FINANCIAL STATEMENTS AND NOTES FOR THE YEAR ENDED 31 DECEMBER 2015

INFORMATION ON TRANSACTIONS CONDUCTED WITH RELATED PARTIES

The Bank is involved in various transactions with the risk group to which TEB is included (related-parties) and these are carried out for commercial purposes and at market prices. Loan transactions with related-parties and their share in the Bank’s total credit risk as of 31 December 2015 and 31 December 2014 were as follows:

	31.12.2015	31.12.2014
Share in total cash loans	0.02%	0.20%
Share in total non-cash loans	2.51%	2.37%
Share in total cash and non-cash loans	0.56%	0.65%

Detailed information about the risk group to which TEB is included has been prepared in accordance with the “Communiqué on Financial Statements and Related Explanations and Footnotes Announced to the Public by Banks” and published in Section 4, Paragraph b of the “Annual Report" and was also included in the financial statements as of 31 December 2015 and Section VII, Articles 1 of the Independent Audit Report.