Financial Inclusion and Literacy

Ziraat Bank's vision of being “Everyone's Bank” is realized through multi-dimensional communication and education activities in the areas of financial literacy and financial inclusion. The Bank aims to convey financial products and services tailored to the needs of different social groups to the public in a clear, accessible, and inclusive language.

The financial literacy e-learning courses offered on the Bank's website aim to spread financial awareness to all segments of society. The training content includes:

• The basic framework of financial literacy,
• Distinguishing between good and bad debt,
• Recommendations for individuals without regular income,
• Financial planning for young people and individuals planning to marry,
• Points to consider before purchasing a home,
• Saving,
• Investment and risk management

Special e-learning courses are offered on saving, accumulation, agricultural insurance, and conscious credit card use for children, farmers, and customers who use credit cards. Under the Young and Women Farmers credit packages, e-learning on dairy farming, animal husbandry, beekeeping, greenhouse farming, and medicinal and aromatic plant cultivation is provided through the Ziraat Farmer Platform, supporting an inclusive banking approach.

Financial Literacy and Sustainable Development

Financial literacy e-learning contributes to increasing economic resilience by developing individuals' ability to make informed financial decisions. These efforts are directly linked to Ziraat Bank's sustainable development and social welfare goals.

Prioritized Social Groups

Within the scope of the financial inclusion approach, young farmers, women farmers, students studying finance and banking at universities, and children are among the priority target groups.

Design of Financial Literacy Content

Financial literacy e-learning courses are designed to meet individuals' needs to establish a balance between income and expenses, develop savings habits, manage borrowing and credit use correctly, understand financial products, and plan for the future. The content is created taking into account the differences in age, education level, income status, and financial experience of different segments of society.

Developing Employee Competencies

Developing the financial knowledge and competencies of bank employees constitutes the internal awareness dimension of the financial literacy approach to strengthening institutional capacity. Competent and well-equipped employees interacting with different segments of society indirectly contribute to the spread of financial awareness. In this context, the Banking School, which operates within this scope, also serves as a social financial literacy project.

Academic Collaborations and Priorities for the Future

Academic collaborations continued in 2025. Within this scope, the Banking School's “Banking and Finance” master's program, conducted in collaboration with Ankara University, was continued. In addition, collaborations were carried out with Sakarya University and Istanbul University in the context of customer training and Banking School activities.

In the coming period, it is planned to prioritize digital banking, cybersecurity, and sustainability awareness in the areas of financial literacy and financial inclusion.

Financial Solutions for Agriculture, Women, and Youth

In line with the goals of increasing agricultural production, ensuring sustainability in the agricultural sector, and supporting agricultural entrepreneurship in 2025, TL 172.3 billion in loans were extended to young farmers.

Prioritized Segments in the Loan Portfolio

The segments and targets prioritized in the loan portfolio in 2025 are as follows:

• Increasing production, especially in closed environments, to ensure sufficient and sustainable agricultural product supply,
• Promoting the contract farming model to reduce producers' agricultural input costs and market risks for their products,
• Increasing the production of products that will reduce imports,
• Increasing investments aimed at boosting agricultural exports within the scope of the sustainability of the agricultural sector,
• Bringing agricultural enterprises to an economic scale,
• Evaluating idle operating capacities,
• Raising the level of agricultural mechanization in enterprises,
• Widespread use of pressurized irrigation systems that provide significant water savings in agricultural irrigation,
• Working on the use of technology to increase productivity in agriculture,
• Investment projects that will generate added value in agricultural production and meet the needs of our country, primarily licensed warehousing and cold storage investments,
• Agricultural R&D and bio-agriculture,
• Investments and activities aimed at increasing the capacity of agricultural enterprises to store, process, package, and market their own products stand out.

Agricultural Loans and Support Areas

Ziraat Bank provides financing to the agricultural sector with an approach that covers all links in the agricultural value chain. The balance of agricultural loans reached TL 831 billion by the end of 2025, and the number of customers provided financing to in 2025 exceeded 684,000.

Loans for young and female farmers, contract farming, pressurized irrigation systems, agricultural mechanization, licensed warehousing, cooperatives, digital agricultural banking, and projects supporting sustainable production are among the Bank's priority support areas.

Low-interest and subsidized loans continued to be provided for animal production, plant production, aquaculture, agricultural mechanization, pressurized irrigation systems, and rural development projects.