Ziraat Participation is committed to effectively managing and responding to external risks in order to achieve its goals and foster sustainable growth through strategic execution and effective risk management. Economic and geopolitical developments, changing regulations, megatrends such as the global climate crisis, social change, and the preferences and expectations of financial consumers influence the financial services industry in which Ziraat Participation operates.

Ziraat Participation responds to the change in the market by focusing on Digital Transformation and Innovation by:

• Developing innovative financial products and services,
• Integrating digital transformation into business processes,
• Consistently expanding digital service channels and diversifying transaction capacities,
• Making investments to update its technological infrastructure,
• Establishing data governance processes that facilitate data-driven decision making,
• Developing customized products and services by utilizing technologies such as data analysis and artificial intelligence.

Ziraat Participation responds to the changes in the market by focusing on Financial Performance and Profitability by:

• Assessing economic developments on a global and local scale in accordance with scenario analyses,
• Implementing efficient and agile techniques to balance sheet management,
• Implementing effective resource and cost control management,
• Implementing strategies that enhance institutional and economic resilience in response to the challenges posed by the markets,
• Diversifying funding operations,
• Strengthening its reputation as a participation bank that implements responsible banking principles to promote sustainable and inclusive growth,
• Providing effective environmental and social risk management through ESG-oriented policies in lending processes,
• Increasing the proportion of SDG-related participation banking products in its portfolio.

Ziraat Participation responds to the changes in the market by focusing on Integrated Risk Management by:

• Using effective risk management systems in accordance with global and local economic developments,
• Maintaining a flexible and agile organizational structure that can readily adapt to current and changing regulations,
• Effectively utilizing credit assessment processes.

Ziraat Participation responds to the changes in the market by focusing on Ethics and Compliance by:

• Ensuring full compliance with the tightening regulations imposed by regulatory authorities in legal frameworks regarding ethics and compliance aspects is crucial.
• Implementing ethics and compliance programs within the corporate governance framework,
• Raising awareness among its employees regarding ethics and compliance,
• Organizing training programs to ensure the effectiveness of ethics and compliance policies,
• Establishing mechanisms for employees and stakeholders to report potential ethical violations and non-compliance.

Ziraat Participation responds to the changes in the market by focusing on Data Privacy and Security by:

• Fully complying with the legislation governing data privacy and security in Türkiye,
• Making investments to enhance data privacy and security within its infrastructure,
• Conducting development studies on emerging methodologies such as data encryption technology, blockchain, and biometric authentication.