Ziraat Katılım, which started its activities in 2015 with the principle of “More as We Share”, carries out its activities with the aim of creating value for its customers and ensuring the efficient and sustainable growth of its customers by focusing on its customers with its strategy of increasing the share of participation banking in the sector.

In 2020, the total assets of Ziraat Katılım increased by 65% to reach TL 60.2 billion. Loans constitute the highest share with 70% in total assets. At Ziraat Katılım, which continues its activities with the goal of sustainable profitability and efficiency, cash loans increased by 46% compared to the previous year to reach TL 42.2 billion while non‑cash loans increased by 41% compared to the previous year to stand at TL 16 billion. The Bank’s equity, on the other hand, increased by 18% to TL 3.7 billion.

Funds collected account for 77% of Ziraat Katılım’s balance sheet liabilities. Ziraat Katılım has focused on increasing its profitability by reducing resource costs in the management of liabilities and the funds collected, and accordingly contributed to the high profitability achieved in 2020. Funds collected increased by 82% in 2020 in comparison with 2019 year‑end and reached TL 46.4 billion. Share of funds collected in balance sheet was 77%, and it consists of 26% Private Current Accounts and 74% Participation accounts.

Ziraat Katılım closed the year 2020 with a profit of TL 639 million with its principles of balanced growth sustainable financial performance and profitability. Profit share revenue at an amount of TL 4.2 billion is the most significant revenue item of the Bank. Profit share received from credits is the largest item in profit share revenues. Moreover, Return on Assets was 1.3% and Return on Equity was 18.5%.

The Bank sustained its strong capital structure, high liquidity level and funding capability in 2020. Capital adequacy ratio was 14.8% in 2020.