CONTENTS Introduction 08 Chairman Statement 12 General Manager Statement About A&T Finansal Kiralama A.Ş. 14 Shortly A&T Finansal Kiralama A.Ş. 16 Capital and Shareholding Structure 18 History Management 20 Board of Directors 22 Senior Management 24 Organization Chart 2024 Activities 26 Key Financial Indicators 28 Marketing 29 Operation 30 Treasury 31 Strategy 32 Financial Leasing Sector and Developments in 2024 Corporate Management and Risk Management 36 Financial Rights Provided to Board Members and Top Executives 36 Research and Development Studies 36 Internal Control System and Internal Audit Activities 36 Information on Direct or Indirect Participations of the Company and Share Ratios 36 Information on the Company’s Own Shares 37 Disclosures on the Private Audit and Public Audit in the Accounting Period 37 Lawsuits which May Affect the Financial Position and Activities of the Company Filed Against the Company and Information Regarding the Possible Results of Said Lawsuits 37 Explanations on the Administrative and Judicial Sanctions Imposed on the Company and the Members of the Governing Body on the Grounds of Unlawful Practices 37 Determined Targets and Ordinary General Assembly 40 Ordinary General Assembly 42 Extraordinary General Assembly 42 Donations and Aids 42 Legal Transactions Performed for the Benefit of Parent Company or its Subsidiary Leaded by the Parent Company Considering the Parent Company and its Subsidiary and All Other Precautions Taken or Avoided for the Benefit of Parent Company or its Subsidiary in the Previous Fiscal Year 42 In The Event That The Legal Action Is Taken Or The Measure Is Taken Or Not Taken According To The Rules And Conditions That Are Taken In The Legal Process, It Is Determined Whether An Appropriate Counteraction Is Provided In Each Legal Transaction And If The Measure Taken Is Not Damaged Or If The Company Is Damaged 44 Risk Management Policy 44 Information on the Early Detection and Management of Risk Committee and Reporting 44 Investments 45 Prospects for the Future 45 Special Activities Occurred After the end of Fiscal Year Financial Position 46 Sales, Productivity and Profitability Ratios 46 Assessing Whether the Company Capital Has Been Unfulfilled 46 Dividend Distribution Policy 49 Additional Information 50 Independent Auditor’s Report On the Board Of Directors’ Annual Report 52 Financial Statements Together With Independent Auditors’ Report For the Period 1 January - 31 December 2024 We serve as a bridge in business life, facilitating efficient transitions to a prosperous future through customized leasing solutions for our clients. Regardless of the circumstances, we remain steadfast and committed to our mission. We have been operating in the financial leasing sector as a reliable and agile subsidiary of A&T Bank. With our strong experience and expert team, we continue to grow while maintaining our market share. Our success is driven by our experienced employees, robust financial structure, and agile transformations. We offer end-to-end services across a wide range, from commercial vehicles to construction and industrial machinery. By expanding our service network and customer reach, we continue to contribute to Türkiye’s economy on a solid foundation.
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