Ziraat Participation, 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 2022, the total assets of Ziraat Participation increased by 117% to reach TL 213.3 billion. Loans constitute the highest share with 59% in total assets.

At Ziraat Participation Bank, cash loans increased by 118% compared to the previous year to reach TL 144.9 billion while non-cash loans increased by 53% compared to the previous year to stand at TL 45.2 billion. The Bank’s equity, on the other hand, increased by 163% to TL 11.4 billion.

In line with the goal of providing widespread and low-cost resources to contribute to the savings balance of the national economy, funds collected increased by 122% in 2022 in comparison with 2021 year-end and reached TL 173 billion. Share of funds collected in balance sheet was 81%. Of the funds collected, 22% consists of private current account and 78% of participation account.

Ziraat Participation closed the year 2022 with a profit of TL 3.8 billion with its principles of balanced growth sustainable financial performance and profitability. Profit share revenue at an amount of TL 20.2 billion is the most significant revenue item of the Bank. Profit share received from credits is the largest item in profit share revenues.

The Bank sustained its strong capital structure, high liquidity level and funding capability in 2021. Capital adequacy ratio was 15% in 2022.