Turkey’s first publicly owned participation bank, Ziraat Participation, develops its products, services and channels by providing value creating solutions based on changing needs of its customers from every segment. Ziraat Participation sustains its banking business model successfully with its profitable, healthy and sustainable approach.

Ziraat Participation was founded with a share capital of TL 675,000,000 fully paid by the Undersecretariat of Treasury in accordance with the approval of Banking Regulation and Supervision Agency dated 10 October 2014 numbered 6046 published at the Official Gazette numbered 29146 dated 15 October 2014. The Bank’s trade registration was made on 16 February 2015.

Ziraat Participation obtained its operating license with the decision 6302 of Banking Regulation and Supervision Agency dated 12 May 2015 published at the Official Gazette numbered 29355 dated 14 May 2015. The Bank started its participation banking operations with its principle of “Achieving More by Sharing” as of 29 May 2015.

In accordance with its strategies focused on profitable, healthy and sustainable growth, Ziraat Participation provides products, services and solutions with high added value which are in line with participation banking principles through strong distribution channels and with competent human resources.

The Bank, which has 1,904 personnel who are specialized in their fields as of 2022 year-end, further expanded its geographical coverage during the year with the opening of 36 new branches, increasing the total number of branches to 156. In addition to traditional distribution channels, branches, Ziraat Participation offers its products and services through advanced alternative channels consisting of 102 ATMs, Internet Banking, renewed Mobile Banking, Call Centers and approximately 8,940 POS terminals.

Within the scope of its Digital Banking activities, Ziraat Participation meets the financial needs of its customers with the Ziraat Mobile application at the most convenient points and with an approach focused on high customer satisfaction.

Ziraat Participation’s total assets increased by 117% in comparison with 2021 year-end and reached a balance sheet size of TL 213.3 billion. Net profit of Ziraat Participation was realized as TL 3.8 billion. The Bank’s equity size, reaching TL 11.4 billion, provides the strength required for sustainable growth.

With its well-established and solid structure, modern and innovative management approach, and experienced and dynamic personnel, Ziraat Participation works in strong cooperation with Ziraat Bank, which has been the driving force of the Turkish banking sector for 159 years, within the framework of its correspondent agreement.

Behind Ziraat Participation’s continuously developing business model lies an approach focused on customer satisfaction, digitalization and efficiency. As it works towards becoming an effective, leading and respected participation bank, the Bank continues to take firm steps without compromising its asset quality, creating added value in line with its disciplined and sustainable growth strategy.

Listening to its customers in every circumstances and providing them tailored solutions are Ziraat Participation’s main philosophies and the Bank operates not only for its customers and shareholders but also to conduct activities that add value to the society and all its stakeholders.