Ziraat Bank's Value Generation Model

Ziraat Bank monitors the interaction of its financial and non-financial resources with clear indicators in order to measure the value it creates in economic, environmental, and social domains.

Ziraat Bank addresses the added value offered to all its stakeholders through financial capital, intellectual capital, manufactured capital, social and relational capital, human capital, and natural capital from a holistic perspective within the framework of the “Value Generation Model.”

In line with this approach, the Bank continues its operations with the goal of generating long-term value for its stakeholders and contributes to the sustainable development of our country with its sustainability endeavors as well as its financial achievements.
Ziraat Bank's Value Generation Model
Financial Capital
• Türkiye’s leading bank with a 16.5% market share in the asset size
• Total Assets: TL 5,385 billion
• Total shareholders’ equity: TL 472 billion
• Deposit size: TL 3,760 billion
• Non-deposit funds: TL 923 billion
• Cash loans: TL 2,866 billion
• Net profit for the period: TL 100 billion
• Capital adequacy ratio: 18,6 %
Human Capital
• The Ziraat Bank family comprising of 26,011 employees
• The Ziraat Finance Group comprising of 37,066 employees
• Number of new employment in 2024: 1,796
• Unionization rate: 80%
• Employee turnover rate: 6.20%
• In-class trainings: 566 thousand+ hours
• Digital trainings: 1 million+ hours
• Average online training duration per person: 21.75 hours
• Average face-to-face training duration per person: 40.75 hours
• Total face-to-face OHS training duration: 67,501 hours
• Number of Ziraat Bank Banking School training content: 8,000+
Intellectual Capital
• Number of active digital customers: 23.1 million
• Number of transactions carried out through digital channels: 2.2 billion
• Number of transactions carried out by the Operations Center: ~273 million
• Percentage of digital channel use: 96.6%
• Number of branchless banking customers: 16 million
• Collaboration with 17 companies on the Ziraat Super Platform
• Number of Ziraat Super Branch customers: 1.2 million
• Bank’s market share in the active digital customers: 20%
• Number of employees who received face-to-face information security training: 1,273
• Number of credit cards: 13.4 million
• Number of debit cards: 44.5 million
Social and Relationship Capital
• Total number of customers: 53,607,716
• Customer satisfaction rate: 4.68/5
• Customer feedback finalization rate: 99.4%
• Number of call centers: 5
• Number of call center calls/responses: 25,044,334/24,829,805
• Percentage of domestic suppliers: 97%
• Number of corporate memberships and supported initiatives: 12
• Supporting Sports: Ziraat Türkiye Cup and Ziraat Volleyball Team
• Number of works of art in Ziraat Bank painting collection: 2,500+
• Number of visitors of Ziraat Bank Izmir Art Museum: 10,271
• Türkiye’s first banking museum
• Social media interactions
• Nearly 2.3 million likes and followers on Facebook
• Over 455,000 followers on X
• More than 252,000 followers on Instagram
• Over 86 million views on YouTube
Manufactured Capital
• Head Office at Istanbul Finance Center
• Number of domestic branches: 1,753
• Number of overseas branches: 28
• Number of new branches: 16
• Number of domestic ATMs: 7,684
• Number of overseas ATMs: 73
• Number of newly installed ATMs: 305
• ATM market share: 14%
• ATM cash withdrawals market share: 21%
• Number of Ziraat Bank ATMs included in the TAM ATM platform: 2.247
• Number of ATMs offering services to visually impaired individuals: 6.389
• Number of ATMs providing services to individuals with orthopedic disabilities: 267
• ISO/IEC 27001: 2022 Information Security Management System
• ISO 27005 Information Security Risk Management Standard
Natural Capital
• Number of projects evaluated within the scope of the Environmental and Social Impact Management System: 46
• Scope 1 emissions: 40,842 tons CO2e
• Scope 2 emissions: 0 tons CO2e (with RES-G)
• Scope 3 emissions: 38,888 tons CO2e
• Total Scope 1-2-3 emissions: 79,730 tons CO2e
• Greenhouse gas intensity (tCO2e/Net interest income): 0.00000048
• Total installed capacity of Ziraat Bank Solar Power Plants: 53 MWe/64 MWp
• Total amount of water withdrawn: 431,000 m3
• Amount of waste paper sent for recycling: 1,046 tons
• Energy saving: 4,289 MWh
• Number of trees saved: 18,000
• Area recovered: 1.8 hectares
• Paper saved through digital signature and REP application: 1.7 million sheets
• Paper consumption avoided: 1.6 million+
• Number of service buildings that received Zero Waste certificate: 1,508
• Total sustainability training: 2,937 hours