Ziraat Participation, which commenced its participation banking operations on 29 May 2015, with the guiding principle of “Achieving More by Sharing”, is the first publicly owned participation bank in Türkiye.

Ziraat Participation, which provides value-generating solutions for evolving needs of customers across all segments, has a wide range of products and services.

Ziraat Participation is committed to ongoing growth, production, and sharing through its business model based on profitable, healthy, and sustainable growth.

Ziraat Participation provides its customers with a wide range of high-value-added products, services, and solutions in line with the principles of participation banking through robust distribution channels and competent human resources.

Widespread and diversified service network

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 2,430 personnel who are specialized in their fields as of 2023 year-end, further expanded its geographical coverage during the year with the opening of 35 new branches, increasing the total number of branches to 191. The Bank operates two branches abroad, one in Sudan and the other in Somalia.

In addition to traditional distribution channels, branches, Ziraat Participation offers its products and services through advanced alternative channels consisting of 121 ATMs, Internet Banking, renewed Mobile Banking, Call Centers and approximately 12,031 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.

With its well-established and solid structure, modern and innovative management approach, and experienced and dynamic personnel, Ziraat Participation works in strong and synergetic group structuring with Ziraat Bank, which has been the driving force of the Turkish banking sector for 160 years.

Customer satisfaction, digitalization, and efficiency are its primary areas of focus.

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, generating added value in line with its disciplined and sustainable growth strategy.