Risk Management and Internal Audit

At Garanti BBVA, risk management mechanisms, which provide continuity and durability of business activities in the long run, consist of a structure which enables the identification, prioritization, monitoring and management of risks. We place vital importance on risk management and internal audit mechanisms so that our future business plans and strategy progress in line with our vision to be the best in Europe. Focusing on Risk Management and Audit, one of the core elements of our strategy, includes a structure oriented toward an optimum capital balance and proactive audit systems in line with our activities and within the framework of continuing sustainable growth by creating value, by means of creating a risk management system where risks are measured with methods in compliance with international standards and local regulations, and by observing the risk-return trade-off based on this system. Risk management, internal audit and internal control functions are carried out by the teams who report to the Board of Directors and fulfill their responsibilities in compliance with applicable rules and independent implementation functions. The efficiency of audit and risk management is supervised by the Board of Directors, and our obligatory work on risk management will continue to be coordinated by the Risk Committee and other relevant committees in 2017. For detailed information on the Compliance Department, the Anti-Fraud Monitoring Department, the Internal Audit Department, and the Internal Control Unit, please see pages 67-160 in the 2016 Annual Report. Garanti BBVA continues to efficiently manage the risks it is exposed to in line with its strategy and activities within the scope of the risk appetite framework by using audit activities, while complying with legal regulations and overseeing potential stress conditions. For detailed information on the risk management and audit activities of our Bank, which manages its risks in an integrated manner, please see pages 125 – 141 in the 2016 Annual Report.

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