Corporate and Commercial Banking

Ziraat Bank, having a wide range of products, services, and a distribution network, presents a healthy growth in the Corporate/Commercial Banking business line with its low-cost funding strength and liquidity advantages.

Financing provided through strong support packages

To finance the working capital requirements of exporters, artisan customers, and the customers operating in disaster regions, the Ziraatli Loan Package was launched, and TL 16 billion in loans were extended by the end of 2024.
‍
As part of supporting exports, which are of strategic importance for the national economy, the Export FULL Support Package was launched for exporting customers. In this context, TL 27 billion in loans were extended by the end of 2024.
‍
In order to finance the working capital requirements of commercial customers, the Dynamic Business Loan was launched, and TL 12 billion was extended as of year-end.
‍
The Carbon Reduction Support Package was launched in August to finance green transformation investments in order to comply with the European Union legislation called “Carbon Border Adjustment Mechanism,” which is expected to affect exports in Türkiye. As of year-end 2024, a total of TL 1 billion in loans were extended.
‍
The Commercial TOGG Loan was launched in June 2024 for commercial customers specific to the domestic and national automobile TOGG, and TL 824 million in loans were extended as of year-end 2024.
‍
The Women Entrepreneurs Support Package was launched to support the commercial activities of women entrepreneurs to ensure their greater participation in the national economy and to fulfill their financial requirements. As of year-end 2024, TL 1.5 billion in loans were extended.
‍
The Young Entrepreneur Support Package was launched to support the commercial activities of young entrepreneurs to increase their participation in the national economy and to fulfill their financial requirements. As of year-end 2024, TL 1.7 billion in loans were extended.
‍
Within the framework of Ziraat Bank sustainability policy;
‍
The CBRT Investment Committed Advance Credit (IAC), which was launched to support investments with high productivity and added value to boost exports, contribute to localization by reducing imports, and generate FX-earning service revenues, continued to be extended and a total of TL 32.4 billion in loans were extended from the credit package as of year-end 2024.
‍
As part of the environmental loan products, a total of TL 58 billion in loans were extended as of year-end 2024, including energy efficiency and renewable energy loans, particularly SPP loans.

As a result of collaborations with the Credit Guarantee Institution and İhracatı Geliştirme A.Ş.;
‍
The CGF Export Support Loan was launched with the aim of increasing export volumes and increasing the number of exporter companies by providing support to SMEs operating in exporting or FX-earning sectors. As of year-end 2024, a total of TL 2.3 billion in loans were extended,
‍
The Investment Support Package was launched to ensure that customers who need collateral support to meet their investment financing requirements within the scope of the Investment Incentive Certificate (IIC) are provided under favorable conditions for their loan requests. A total of TL 1.1 billion in loans were extended as of year-end 2024,
‍
In order to ensure the continuity of the support provided to SMEs, the CGF Support Loan-3 Package was launched and a total of TL 1.6 billion in loans were extended under the package as of year-end 2024,
‍
İhracatı Geliştirme A.Ş.’s 100^th Anniversary Treasury Support Package was launched to meet the financing requirements of exporters. A total of TL 2 billion in loans were extended as of year-end 2024.
‍
As in the past, the Bank will continue to meet the financing demands of all customers, particularly SMEs, in the future.

Corporate loan balances as of December 31, 2024 are presented below by segment.

Corporate Loans (Risk balances as of 31.12.2024)

Loans for SMEs from International Financial Institutions

Since 2010, Ziraat Bank has been procuring sustainability-themed resources from various international financial institutions at preferential terms to be used in financing the working capital and investment loan requirements of SMEs or larger companies.
‍
With these funds, the Bank contributes to the protection and expansion of sustainable agriculture, energy efficiency, rural development and employment.