Acting with the necessary responsibility, Ziraat Katılım continued to support the real sector in 2020. By facilitating access to finance in order to create value for its customers and ensure efficient and sustainable growth, it has developed and grown in many areas such as assets, loans, the funds collected and equity size, as well as the branch and ATM network.

Despite the unfavorable economic conditions on a global scale, 2020 has been a positive year for Ziraat Katılım in terms of growth and profitability. Ziraat Katılım demonstrated its influence in the industry in many areas, particularly in terms of total assets and profitability. The Bank’s total assets reached TL 60.2 billion and net profit was TL 639 million.

Ziraat Katılım continues to work by focusing on efficiency and productivity in its balance sheet. With its total assets reaching TL 60.2 billion with an increase of 65% year‑on‑year and a net profit of TL 639 million, it carries on contributing to its customers and our country’s economy for a long time.

Ziraat Katılım continued to offer its customers solution‑oriented products at favorable costs. Acting with its sustainable growth principle, the Bank increased its cash credit balance by 46% to reach TL 42.2 billion. Total cash and non‑cash credits reached TL 58.2 billion.

Opened its first branch abroad in Khartoum, the capital of Sudan, Ziraat Katılım continued to provide its services without compromising quality through 105 branches with 1,261 personnel, 86 ATMs, Call Center, mobile and internet branches with qualified technological infrastructure.

Ziraat Katılım is the first publicly‑owned participation bank to start participation banking operations in line with the principle of More When Shared (Paylaştıkça Daha Fazlası). Ziraat Katılım continues to contribute to the national economy with its strong capital structure and in line with the balanced growth and sustainable profitability principles. Working to bring dynamism and depth to the sector, it meets the needs of its customers with its products in accordance with the principles of participation banking.

With its balance sheet structure based on financing which grows with sustainable profitability, efficiency and customer‑focused structuring target, Ziraat Katılım continues to work to provide the best service for its customers and our country.

Yours respectfully,

Ziraat Katılım Board of Directors