About the Report

The 2025 Integrated Annual Report of T.C. Ziraat Bankası A.Ş. (hereinafter referred to as “Ziraat Bank” or “the Bank”) covers the period between January 1, 2025 and December 31, 2025 and includes the Bank's domestic banking operations as well as its subsidiaries operating both domestically and internationally (collectively referred to as the “Ziraat Finance Group”). The assessments presented in the report are based on financial and non-financial indicators determined in line with the Bank’s strategic priorities.

This report provides a holistic assessment of the Bank's financial results, considering their economic, environmental, and social impacts, and reflects its activities and results in all areas from a comprehensive perspective. In this context, the Bank's business model, corporate governance structure, strategic direction, and sustainability priorities are examined within the framework of its responses to stakeholder expectations, the risks and opportunities it faces, and its long-term value generation approach. These elements are presented in accordance with current developments in international reporting practices and the fundamental principles of integrated reporting, taking into account their interconnections.

This report aims to present the Bank's responsibilities stemming from its 162-year-long established corporate structure and its identity as a public bank, integrated with the United Nations Sustainable Development Goals (UN SDGs). Ziraat Bank's activities are examined from the perspective of six capital elements as defined by the International Integrated Reporting Council (IIRC): financial, manufactured, intellectual, human, social and relational, and natural capital. Areas to which the Bank directly or indirectly contributes within the scope of the SDGs have been identified, and progress towards these goals has been monitored and integrated into the Bank's value generation model.

Legislation and Compliance

This report has been prepared in accordance with the regulations of the Banking Regulation and Supervision Agency (BRSA), the Capital Markets Board of Türkiye (CMB), and the provisions of the Turkish Commercial Code regarding annual reporting.

The Integrated Annual Report was prepared based on the International Integrated Reporting Framework published by the International Financial Reporting Standards Foundation (IFRS Foundation) and the IIRC, the Commercial Banking Standards published by the Sustainable Accounting Standards Board (SASB), and the Global Reporting Initiative (GRI) Standards. The report content was shaped by considering prioritization studies and stakeholder opinions.

Period and Scope of the Report

Unless otherwise stated, this report covers the period between 1 January 2025 and 31 December 2025.

The data presented in this report serves as a benchmark for Ziraat Bank's Integrated Annual Reports to be published in the coming periods. The financial information presented is based on Ziraat Bank's independently audited unconsolidated and consolidated financial statements. Non-financial data is compiled from primary data obtained from the Bank's internal reporting and information management systems, policy and procedure documents, relevant business processes and performance monitoring mechanisms, as well as secondary sources such as reports published by national and international organizations, sectoral statistics and regulatory body statements.

Audit

The financial data included in the 2025 Integrated Annual Report was audited by PwC Bağımsız Denetim ve SMMM A.Ş. (PwC Türkiye), and a statement of assurance was obtained. This statement of assurance regarding the financial data in this report can be found on page 298.

Communication

You may share your opinions and evaluations via sustainability@ziraatbank.com.tr