Ziraat Katilim provides interest-free banking products and services in line with participation banking principles within a strong institutional structure.
Ziraat Katilim at a Glance
About Ziraat Katilim
Ziraat Katilim was established in 2015 as Türkiye's first state-owned participation bank. With the principle of "More as We Share" at its core, the Bank stands by its customers through products and services developed in line with participation banking principles. Through alternative distribution channels, the Bank ensures that the products and services it offers are accessible to everyone
Ziraat Katilim carries out its activities in line with its main strategic priorities of sustainable profitability, competency transformation, and focused growth, with a particular emphasis on participation banking and agricultural banking. The Bank offers high value-added products, services, and solutions developed in compliance with participation banking principles, supported by a strong distribution infrastructure and qualified human resources.
As of the end of 2025, the Bank continues its operations with 3,140 employees. With 17 new branches opened in 2025, the Bank expanded its service network, reaching a total of 227 branches, including 225 domestic branches and 2 overseas branches Through this widespread service network, the Bank provides services to more than 1.5 million customers.
By strengthening its geographical presence, the Bank continues to deliver more accessible and effective services to its customers.
Ziraat Katilim's total assets increased by 49% compared to the end of 2024 and reached TL 768.8 billion as of the 2025 reporting period. The Bank's net profit increased by 67% to TL 5.8 billion, while its total shareholders' equity grew by 30%, reaching TL 29.2 billion. The total funds collected as of year-end increased by 44% compared to the previous year and reached TL 513.4 billion. These financial indicators support Ziraat Katilim's operational continuity, effective resource management, and sustainable growth approach.
Ziraat Katilim continues to contribute to the economic development of Türkiye by combining the deep-rooted heritage of Ziraat Bank, which has 162 years of history in the Turkish banking sector, with the participation finance approach, supported by its strong and well-established structure, modern and innovative management perspective, and experienced and dynamic workforce. Positioned within the Ziraat Finance Group, Ziraat Katilim continues to strengthen its financial services model by benefiting from group synergy.
The Bank operates actively in the fields of Retail Banking, Commercial Banking, Private Banking, and Agricultural Banking, and aims to achieve balanced and inclusive growth by focusing on these areas.
Ziraat Katilim streamlines its service processes and enhances the transaction experience through its digital banking investments.
The Bank offers its products and services to customers not only through traditional distribution channels such as branches, but also via ATMs, Internet Banking, the renewed Mobile Banking platform, Call Centers, Open Banking applications, and the POS network. Within the scope of digital banking initiatives, the Bank meets the financial needs of its customers through the Katilim Mobil application at the most convenient points, with a strong focus on customer satisfaction.
Customer satisfaction, digitalization, and efficiency are among the main priorities of Ziraat Katilim's business model. In line with its vision of becoming a universal, leading, and respected participation bank, the Bank continues its operations with a disciplined and sustainable growth strategy that generates added value without compromising asset quality. The Bank's key focus areas in 2025 included the development of digital banking and open banking applications, increasing financing for the agricultural sector, and expanding sustainability-focused financing solutions.
Ziraat Katilim conducts its activities with a sustainability perspective. In addition to commercial success, the Bank considers its contributions to the environment and society and positions its long-term responsibilities among its core priorities. Within the scope of sustainable banking practices, the Bank determines its business strategies and priorities by taking into account the expectations of its internal and external stakeholders, while aiming to generate long-term value.
In line with its focused growth approach, increasing access to financial services and promoting inclusive banking practices are prioritized. In this framework, customer groups are segmented by considering their needs, scale, and fields of activity. This business line structure constitutes an important component of the business model that supports sustainable growth.