The “AtaHolding” Financial sector is represented by “AtaBank” OJSC, “AtaLeasing” OJSC,  and “AtaInsurance” OJSC companies which serve in the development of the Azerbaijani economy. “AtaBank” has been successfully functioning since 1993 as one of the biggest commercial banks of Azerbaijan. Being among the most reliable local financial organizations using high technology, it offers variety of full service to  corporate  and personal customers.At present  20 branches and 4 divisions of “AtaBank” OJSC are being operated  in Baku and the various regions of the Republic. Since the day of its establishment “AtaBank” has set a goal on presentation of new services. Since  2004 “AtaBank” is  a member associate of the Visa International Payment System  and started issuing of  6 cards of this system:   “Visa Electron”, “Visa Classic”, “Visa Gold”, “Visa Platinum”, Visa Bisuness”,  and “Solo Card”.   Since May, 2006 the OJSC “AtaBank” is a full member of the  Visa International Payment System. In 2007  ISO 9001:2000 certificate  “All Kinds of Banking Services” was presented by “Bureau Veritas” to “AtaBank” OJSC. One of its most strategic goals is to finance small and medium businesses in the regions. Winning the confidence of the government and entrepreneurs “AtaBank” OJSC is considered  one of the main operators of the State Program on “National Aid Fund to Entrepreneurship”. The loan  fairs and meetings with entrepreneurs in the regions of Republic were positively greeted  by the  Azerbaijani  community.  Accrediting of trade, and various investment projects, as well as financing the turnover capital of companies is included into the loan activity of “AtaBank” OJSC.  Besides, consumption loans  and credit cards take a significant place in the  loan portfolio.  The main development strategy of the bank activity is based on development of corporate and retail banking, as well as on rendering of full scale of competitive, hi-tech bank products and services. The Finance reports  of the bank are  audited by the “Deloitte & Touche" company for the last 5 years.One of the important  advantages of “AtaBank” is  its inlcluding into one of the largest industrial and financial holdings of the country “AtaHolding”. So, it affords  the bank to offer its customers  leasing, insurance, consulting and other services.  Thereby, for the most effective representation of the above-mentioned services, the branch buildings of the bank  have been specially designed and constructed. The bank has gained necessary experience in rendering services to customers while taking an active part in the local market. The net assets of “AtaBank” OJSC was 110,705.40 thousand manats, deposit portfolio was  74,649.9 thousand manats, and loan portfolio  was 70,557.5 thousand  manats for the end of the 2007. “AtaInsurance” OJSC  came into being on July 21, 2004 and since September 3, 2004  it has been operating  as a fully licensed (Lic. No.003194)  insurance company. The company founded by “AtaHolding” OJSC (100%) has its authorized capital is in amount of USD 4 (four) mln. manats.   “Ataİnsurance” - considering  its strategic vision to be  a highly competitive company providing qualitative, reliable and universal insurance services based on modern technologies. “Ataİnsurance” is licensed to transact both life and non-life insurance and provides services on 35 classes of insurance, 31 of which  are voluntary and 4 are compulsory. The company’s product offerings are extensive which include traditional property insurance, energy insurance, motor insurance, compulsory and voluntary motor third party liability insurance, public insurance, employer’s liability  insurance, cargo insurance, construction insurance, medical insurance, personal accident insurance, banking insurance (BBB) and etc. Some of the talented and experienced professionals in the Azeri insurance business stand behind our products and services. The realization of the company’s obligations to its partners and clients  mostly depends on growing a considerable  portfolio of insurance services rendered, significant insurance reserves, and increasing a number of experienced and professional staff.In May 2005, AtaInsurance  completed  a certification process aimed at bringing management system quality into accord with modern  standards and had been awarded with ISO 9001: 2000 international quality  certificate by Moody International Certification. To achieve those standards “AtaInsurance”OJSC cooperates with large western insurance and reinsurance companies, brokers and other related organizations such as “AON”, “WILLIS”, “Marsh”  “Heath Lambert”, “Hannover Re”, “Gen Re”, “LLoyds of London”, “Zurich Converinm” etc. “AtaInsurance” will successfully continue a mission of insurance company, which provides  high-quality and reliable universal services based on modern technologies, protects shareholders’  interests, contributes to development of the economy and public.As a member of the financial sector of “AtaHolding”, “AtaLeasing” OJSC  was founded in 2004 with shares of “AtaHolding” (64%) and “AtaBank” (36%). Main goal  of establishment of “AtaLeasing”  OJSC is provision of assistance to entrepreneurs in purchasing of equipment and main assets in the conditions of rapidly developing economy.In accordance with “The State Program on Socio-Economic development of Regions of the Azerbaijan Republic”,  approved by President on February 11, 2004 and considering the development of regions of the republic,  “AtaLeasing” OJSC plans to establish  close relations with enterprises and organizations, operating in the regions of our country. Being one of the active participants and members  of the Association of Leasing Companies of Azerbaijan,  “AtaLeasing” company with  its professional staff and and the existed net of  “AtaHolding”  intends to be one of the leading leasing company of the Republic and acts constantly in this field. “AtaLeasing” with its target to do all types of leasing activities allowed by legislation its present activity is mainly in financial leasing. The Company renders qualitative leasing services to local and foreign enterprises functioning in all fields led by sectors, as construction, industry, production, transport, communication, agriculture and processing. The staff of “AtaLeasing” which was trained at leading leasing companies of Turkey, the USA and Russia provides private assistance and professional service to its customers. “AtaLeasing”  OJSC has recieved ISO certificate 9001:2000 the first among Azerbaijani leasing companies by the well-known audit company “Bureau Veritas”. Certificate introduced to the company  dated 25 may 2007, number  215216,  ISO 9001 : 2000  covers   finance leasing  and  it proved improving competitive activity of the company once more.