TEB 2012 Annual Report

2012 Annual Report

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Statement Concerning the 2012 Annual Report of Türk Ekonomi Bankasi A.Ş.

Corporate Profile

From Past to Present: TEB

Shareholding Structure of TEB

Chairman's Message

Message From The CEO

Overview of the Economy and the Sector in 2012

Türk Ekonomi Bankası in 2012

General Overview

TEB's Position in the Sector

TEB Corporate Banking Group

TEB SME Banking Group

TEB Retail And Private Banking Group

TEB Asset Liability Management and Treasury Group

Corporate Investment Banking Group

TEB Securities Services

Information Technology at TEB

TEB Human Resources Group

Corporate Social Responsibility

TEB Financial Services Group

TEB Asset Management

The Economy Bank N.V.

Management and Corporate Governance Practices

Board of Directors and Audit Committee

Executive Management

Committees of Türk Ekonomi Bankası A.Ş.

Human Resources Practices

Information on Transactions Conducted with Related Parties

Performance And Sales Bonus

Outsourced Services And Outsourcing Companies

Agenda of the Ordinary General Assembly Meeting on March 25, 2013

Summary of Board Directors' Report Presented to the General Assembly

Proposal for Distribution of Profit

Corporate Governance Principles Compliance Report

Assessment of Financial Position and Risk Management

Auditors Report

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

Five-Year Summary of Financial Information Including the Reporting Period

Annual Activity Report Compliance Opinion

Independent Auditor's Report, Unconsolidated Financial Statements and Notes for the Year Ended December 31, 2012

Consolidated Financial Statements

CREDIT RATINGS ASSIGNED BY RATING AGENCIES AND INFORMATION ON THEIR CONTENTS(*)

TEB maintained its position as one of the most highly rated banks in Turkey. As of the end of 2012, TEB’s ratings were as follows:

Moody's Investor Services:
Financial Strength Rating
FX Deposits Rating
Outlook

Fitch Ratings:
Foreign Currency
Long-term
Short-term
Outlook
Turkish Lira
Long-term
Short-term
Outlook
National
Outlook
Individual Rating
Support Points

D+
Ba2/NP
Negative

BBB
F3
Stable

BBB+
F2
Stable
AAA (tur)
Stable
"bb+"
2

(*) These ratings are not the ratings realized in accordance with BRSA’s “Regulations on Principles of Authorization and Activities of Rating Agencies”.