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At the Heart of
Finance and Life

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At Ziraat Bank, we proudly carry forward our 161 years of rich history and experience, under the motto, “Witness of the Past, Owner of the Future.” We are transforming electronic money and payment services with Ziraat Pay, while bolstering our leadership in digital banking through Ziraat Dinamik.

Our commitment to sustainability helps us reduce our carbon footprint. Our agricultural financing exceeds TL 500 billion, contributing to the strength of the Turkish economy, alongside our total loan portfolio amounting to over TL 2.8 trillion. With total assets reaching TL 5.4 trillion, we maintain a global presence in 125 locations across 19 countries.

As “More Than a Bank,” we also strive to be a “Moral Bank,” dedicated to supporting our customers. We are poised to take a more active role in the global banking landscape, shaping the future of banking today.

Total Assets
TL 5.4 Trillion

Makroekonomik Gelişmeler

At the Heart of Production

Agriculture and the hard work of our farmers are crucial for both our present and future. Since our founding, we have always supported our farmers. Today, the continued fertility of our land and the thriving of our farmers can be attributed significantly to our Bank. Currently, we provide 70 out of every 100 Turkish liras in credit utilized by farmers. In addition, the Ziraat Bank Agricultural Ecosystem Meeting plays a vital role in fostering a sustainable tomorrow. This meeting is about building a sustainable future from today onwards.

Agricultural Finance
TL 500+ Billion

Makroekonomik Gelişmeler

At the Heart of Finance

With our support, we have propelled our exporters onto the global stage, establishing Ziraat Bank as a leader in the industry. By continuously broadening our influence, we have become Türkiye’s largest global bank. As the Turkish bank with the most extensive international and correspondent networks, we are committed to expanding our global presence, particularly in financing foreign trade.

19 Countries

125 Service Points

Makroekonomik Gelişmeler

At the Heart of Digital

We are reaping the benefits of our long-standing digital transformation investments. Currently, one in five people utilizes Ziraat Bank digital services. Ziraat Dinamik, the first digital bank in Türkiye established under the ownership of a traditional bank, has received operational approval from the BRSA.
Makroekonomik Gelişmeler

At the Heart of Foreign Trade

With our subsidiary banks and foreign branches across various countries, complemented by an extensive network of correspondent banks, we are consistently improving our effectiveness internationally. The agreement established with TIM enables us to provide uninterrupted support to our exporters, a critical component of the Turkish economy. At Ziraat Bank, we have extended over USD 1 billion in financing to thousands of exporting companies via the Zero-Maturity Export Credit Package protocol. Our Full Support to Export Credit Package aims to empower exporters to drive investment, production, and employment-focused growth in Türkiye.

Exporters Supported
4,000+

Makroekonomik Gelişmeler

At the Heart of Sustainability

Ziraat Bank is committed to a sustainable future. We are continuously taking decisive steps in this direction. Leveraging our financial strength, we create a wide range of environmental and social benefits. Our USD 500 million sustainability bond issuance supports the transition to a low-carbon economy. Meanwhile, our record USD 1.7 billion syndication loan facility finances sustainable agriculture and foreign trade. We are also increasing our lending for renewable energy, energy efficiency, and environmentally friendly agricultural practices.

Exporters Supported
4,000+

About the Report

The integrated report addresses the economic, environmental, and social performance of Ziraat Bank for the period between 1 January 2024 and 31 December 2024 under a holistic approach. The report includes information regarding the Bank’s banking activities and its domestic and international subsidiaries.
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Your views on how we can further improve our report in the future will guide us. Please share your opinions and suggestions via e-mail.

sustainability@ziraatbank.com.tr
2025 • Ziraat Bankası © All rights reserved.
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At the Heart of
Finance and Life

Cropto Logotype
At Ziraat Bank, we proudly carry forward our 161 years of rich history and experience, under the motto, “Witness of the Past, Owner of the Future.” We are transforming electronic money and payment services with Ziraat Pay, while bolstering our leadership in digital banking through Ziraat Dinamik.

Our commitment to sustainability helps us reduce our carbon footprint. Our agricultural financing exceeds TL 500 billion, contributing to the strength of the Turkish economy, alongside our total loan portfolio amounting to over TL 2.8 trillion. With total assets reaching TL 5.4 trillion, we maintain a global presence in 125 locations across 19 countries.

As “More Than a Bank,” we also strive to be a “Moral Bank,” dedicated to supporting our customers. We are poised to take a more active role in the global banking landscape, shaping the future of banking today.

Total Assets
TL 5.4 Trillion

Cropto Logotype

At the Heart of
Production

Agriculture and the hard work of our farmers are crucial for both our present and future. Since our founding, we have always supported our farmers. Today, the continued fertility of our land and the thriving of our farmers can be attributed significantly to our Bank. Currently, we provide 70 out of every 100 Turkish liras in credit utilized by farmers. In addition, the Ziraat Bank Agricultural Ecosystem Meeting plays a vital role in fostering a sustainable tomorrow. This meeting is about building a sustainable future from today onwards.

Agricultural Finance
TL 500+ Billion

At the Heart of
Finance

With our support, we have propelled our exporters onto the global stage, establishing Ziraat Bank as a leader in the industry. By continuously broadening our influence, we have become Türkiye’s largest global bank. As the Turkish bank with the most extensive international and correspondent networks, we are committed to expanding our global presence, particularly in financing foreign trade.

19 Countries

125 Service Points

At the Heart of
Digital

We are reaping the benefits of our long-standing digital transformation investments. Currently, one in five people utilizes Ziraat Bank digital services. Ziraat Dinamik, the first digital bank in Türkiye established under the ownership of a traditional bank, has received operational approval from the BRSA.

At the Heart of
Foreign Trade

With our subsidiary banks and foreign branches across various countries, complemented by an extensive network of correspondent banks, we are consistently improving our effectiveness internationally. The agreement established with TIM enables us to provide uninterrupted support to our exporters, a critical component of the Turkish economy. At Ziraat Bank, we have extended over USD 1 billion in financing to thousands of exporting companies via the Zero-Maturity Export Credit Package protocol. Our Full Support to Export Credit Package aims to empower exporters to drive investment, production, and employment-focused growth in Türkiye.

Exporters Supported
4,000+

At the Heart of
Sustainability

Ziraat Bank is committed to a sustainable future. We are continuously taking decisive steps in this direction. Leveraging our financial strength, we create a wide range of environmental and social benefits. Our USD 500 million sustainability bond issuance supports the transition to a low-carbon economy. Meanwhile, our record USD 1.7 billion syndication loan facility finances sustainable agriculture and foreign trade. We are also increasing our lending for renewable energy, energy efficiency, and environmentally friendly agricultural practices.

Sustainability Bond
USD 500 Million