Ziraat Bank at a Glance
About Ziraat Bank
Since its establishment in 1863, Ziraat Bank has played a significant role in Türkiye's economic and social development process. With its long history and systemic approach, it is Türkiye's leading public bank. Initially focused on financing the agricultural sector, its banking activities have diversified over time in parallel with the transformation of the country's economy, evolving into a multi-dimensional structure encompassing retail, commercial, and corporate banking. Beyond being a financial service provider, Ziraat Bank positions itself as a key player supporting the country's economic stability and contributing to inclusive growth. Furthermore, with its holistic approach supporting production, employment, and food supply security, the bank is positioned as a pioneering public bank contributing to Türkiye's long-term development goals.
Ziraat Bank supports access to financial services throughout Türkiye with its widespread and accessible service network and strong corporate infrastructure. Its product and service portfolio, continuously diversified to meet the needs of different socioeconomic segments, is offered through alternative distribution channels such as Individual and Corporate Internet Banking, Mobile Banking, and Telephone Banking, providing a seamless experience.
Operating with a total of 1,769 branches, including 1,745 branches domestically and 24 branches and 2 representative offices abroad, the Bank makes a significant contribution to strengthening financial inclusion throughout the country.
Operating in 20 countries worldwide, Ziraat Bank's international service network consists of 10 foreign subsidiary banks, 9 domestic subsidiaries, 138 ATMs belonging to domestic subsidiaries, 75 ATMs belonging to foreign branches, and 2 Country Directorates. The Bank has received its establishment permit from the Central Bank of Albania, and the branch planned to open in Tirana is expected to become operational shortly. With the opening of the Albania branch, Ziraat Bank is expected to reach 21 countries in 2026.
Integrated Financial Services Ecosystem:
Ziraat Finance Group
Within its consolidated structure, Ziraat Bank offers an integrated financial services ecosystem encompassing banking activities as well as investment services, portfolio management, participation banking, financial leasing, real estate investments, digital banking, e-money and wallet services, and financial technologies through its subsidiaries. This structure enables the Bank to create synergies across different business lines and deliver comprehensive solutions to its customers, while also supporting its capacity to generate long-term value.
Ziraat Bank Ownership Structure
Ziraat Bank's ownership structure is shaped in a manner consistent with its identity as a state-owned bank. The bank's sole shareholder is the Türkiye Wealth Fund; the Chairman and members of the Board of Directors, the members of the Audit Committee, and the General Manager and his deputies do not hold any shares in the bank. This structure contributes to strengthening the principles of transparency and independence in the bank's governance.
With consolidated assets reaching approximately TL 9.3 trillion as of December 31, 2025, Ziraat Bank ranks among the leading institutions in the Turkish banking sector thanks to its strong balance sheet structure and widespread deposit base. Total deposit volume reached TL 6 trillion, and equity amounted to TL 733 billion. Its role in facilitating foreign trade between Türkiye and the countries where its overseas subsidiaries and branches operate reached 19.33%, amounting to USD 124 billion.These figures clearly demonstrate the Bank's financial resilience and systemic importance.
The Bank’s loan portfolio is structured in line with the objectives of supporting production, employment, and exports, as well as strengthening the real sector. Total cash loans have reached TL 4.7 trillion. A significant portion of these loans has been directed toward financing the real sector, with selective lending policies focusing on high value-added areas. In particular, agriculture continues to be one of the priority areas as a natural extension of Ziraat Bank’s historical mission. As of the end of 2025, the balance of agricultural loans reached TL 831 billion, with financing solutions provided to support all stages of agricultural production.
Ziraat Bank's business model is built on a strong capital structure, a broad customer base, and an extensive distribution network. As of 31 December 2025, a total of 25,743 employees are working within Ziraat Bank. The Bank supports this human capital with effective risk management, strong corporate governance practices, and sustainability principles. The Bank adopts an approach that considers not only its financial performance but also its environmental and social impacts in conducting its operations.
In response to global and national economic, financial, and geopolitical developments, Ziraat Bank closely monitors changing market conditions, customer expectations, and the regulatory framework. Digitalization, operational efficiency, and improved service quality are among the Bank's priority transformation areas.
Ziraat Bank aims to continue its mission of contributing to the country's economy in the coming period, in line with its inclusive financing approach, sustainable growth strategy, and long-term goals.
In line with its commitment to corporate transparency and accountability, Ziraat Bank values public access to up-to-date and reliable information. The bank's corporate website, https://www.ziraatbank.com.tr/en provides stakeholders with comprehensive content in Turkish and English, covering activities, financial information, corporate governance practices, and its sustainability approach.
* The tables above show unconsolidated financial data. Consolidated financial indicators prepared on a group basis are as follows: Consolidated total assets increased from TL 5.9 trillion in 2024 to TL 9.3 trillion in 2025; total deposits increased from TL 4.2 trillion to TL 6 trillion; total cash loans increased from TL 3.2 trillion to TL 4.7 trillion; and equity increased from TL 481 billion to TL 733 billion.