162nd year
TR

Financial Information and Risk Management

Evaluation of Ziraat Katilim's Financial Position, Profitability, and Debt Repayment Capacity

In 2025, Ziraat Katilim's total assets increased by 49% compared to the previous year-end, reaching TL 768.8 billion. Loans constitute the largest share of total assets at 62%. Within this framework, cash loans increased by 51% year-on-year to TL 479.2 billion, while non-cash loans increased by 33% to TL 154.7 billion. The Bank's shareholders' equity increased by 30%, reaching TL 29.2 billion.

In line with the objective of contributing to the savings balance of the national economy through a diversified and low-cost funding structure, funds collected increased by 44% compared to the end of 2024, reaching TL 513.4 billion as of year-end 2025. Collected funds accounted for 67% of the balance sheet, of which 24% consisted of current accounts and 76% of participation accounts.

Within the framework of balanced growth and sustainable financial performance and profitability, Ziraat Katilim recorded a profit of TL 5.8 billion for 2024. The Bank's primary income item consists of profit share income amounting to TL 140 billion, with profit share income from loans constituting the largest component.

In 2025, the Bank maintained its strong capital structure, high liquidity level and funding capability. As of 2025, the capital adequacy ratio was realised at 23.66%.

The Audit Committee's Assessment of the Effectiveness of Internal Audit, Internal Control, Compliance, and Risk Management Systems Information on Risk Management Policies Applied by Risk Type and Related Risk Management Disclosures

About the Report

Coordination activities related to the 2025 Integrated Annual Report are carried out by the Ziraat Katilim Strategy Planning Department. During the preparation process of the report, contributions from relevant units are obtained and corporate data collection processes are managed through a coordinated approach.

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