Message from the CEO

Within the framework of our strategy for the efficient use of resources and financing of high value-added sectors, 84% of our cash loans consist of loans extended to the real sector, with priority given to financing areas such as agriculture, manufacturing, exports, and SMEs. Furthermore, in line with our focus on green transformation and sustainability, we prioritize financing that supports the real sector's transition to low-carbon production models.

In line with our country's 2053 Net Zero Emissions target, we are focusing on investments in renewable energy, clean technology, and green infrastructure. Through high value-added investments that consider environmental and social impacts, we continue to contribute to sustainable growth and the green transformation of the national economy.

As part of our national goals, which have always been our priority, we aim to announce our Climate Transition Strategy for the sectors we have identified in 2026, our first carbon reduction strategy. In line with our strategy, we plan to establish a measurable and monitorable framework for our financing approach that supports the low-carbon production transformation of the real sector.

We consider it important to diversify our products, such as our Carbon Reduction Support Loan, designed for investments that contribute to carbon reduction, energy and resource efficiency, in order to support our strategy. We conduct our operations by considering our carbon and water footprints not only in our financing activities but also in all our operational processes. In this context, all of our bank's electricity needs are met from renewable sources through Ziraat Solar Power Plant (SPP), which has an installed capacity of 64 MW and became operational in 2025.

At Ziraat Bank, we systematically monitor our environmental impact and strive to implement mitigation-focused practices.

Our bank, which provides financing support to the agricultural sector under favorable conditions, has reached approximately TL 831 billion in agricultural loans.

As the strongest supporter of the agricultural ecosystem, Ziraat Bank is more than just a financial institution providing agricultural loans; it is one of the most important actors in the agricultural ecosystem, which is a fundamental building block of the country's economy.

Within the framework of financing the real sector, the manufacturing sector receives the second largest share of our cash loans after agriculture. We believe that supporting production is important, and we are particularly focused on financing SMEs, which are a significant element of production and employment. By strengthening our collaborations with institutions such as CGF, IGE, and KOSGEB, and by securing resources from international financial institutions (IFIs), we design financing packages tailored to their needs, providing SMEs, tradesmen, exporting and manufacturing companies with financing under favorable conditions.

Through our correspondent network with 1,789 banks in 145 countries worldwide, and our network of affiliated banks and overseas branches in 20 countries, we continue to facilitate our customers' access to global markets and contribute to the secure, fast, and sustainable development of trade. In this context, our share in Türkiye's foreign trade transactions has exceeded 19%. We maintain our position as the leading bank in export credits, and approximately 25% of Türkiye's exports are channeled through our bank.

Approximately one-third of Türkiye's foreign trade is conducted with the countries where we operate abroad. Facilitating foreign trade transactions between these countries and Türkiye, and especially contributing to increasing export volume, are among our key priorities. In this context, our foreign trade volume realized through our overseas service network has increased by 34% in the last year, reaching USD 13 billion.

Deposits, which constitute the main funding source of the balance sheet with their widespread structure, exceeded TL 5.4 trillion by the end of 2025. We are working to diversify our funding structure, especially with non-deposit sources obtained from abroad, and to extend the maturity structure.

In April and October 2025, we secured two syndicated loans totaling USD 2.8 billion focused on sustainability. In addition to syndication, the amount of resources obtained from abroad through products such as securitization based on remittance flows, post-financing, bilateral agreements, repos, Eurobond issuance, and bank deposits exceeded USD 25 billion. Furthermore, our equity was supported by USD 1.1 billion in subordinated debt obtained from abroad.

We offer banking products and services to our customers through Türkiye's most extensive physical banking service network, comprising a total of 1,745 branches and 7,900 ATMs, with us being the sole bank in 373 locations across the country. While developing this service network in terms of efficiency and effectiveness, we are also intensively continuing our work in the field of digital banking. In this context, our digital bank, Ziraat Dinamik, and our payment and e-money institution, Ziraat Pay, have commenced operations. Our mobile banking application, Ziraat Mobil, is the most used mobile financial application in Türkiye, and one out of every five transactions conducted through digital channels in Türkiye is carried out through our bank's digital channels. Our number of active digital customers has reached approximately 25 million.

As Ziraat Finance Group, with our strong subsidiary structure operating in core areas of the finance sector, including participation banking, investment services, technology, portfolio management, financial leasing, e-money, digital banking, and financial investments, we offer integrated and holistic solutions to our clients.

Our overseas organization continues to increase its effectiveness and competitiveness on a global scale, and we are continuing to develop our service network with the goal of growing in strategic geographies where we see potential. Our branch in Tirana, for which we have received establishment permission from the Central Bank of Albania, will become operational shortly. With Albania, the number of countries in which our Bank operates will reach 21.

As Ziraat Finance Group, we are determined to continue offering the most suitable solutions to our customers' needs in every sector and geography we operate in, and to grow with strong and sustainable steps in sectors and markets that hold new opportunities.

We conduct our operations with a focus on efficiency. In this context, we view profitability as a crucial element that supports equity, strengthens our financial structure, and helps us provide greater added value to our country and our customers. Therefore, the approximately TL 161.5 billion net profit we achieved in 2025 will make a significant contribution to implementing our strategies for the upcoming period.

Our bank, which has been the title sponsor of the Ziraat Türkiye Cup, one of the most prestigious organizations in Turkish football and synonymous with our name, for 17 years, is also the title sponsor of the Basketball Türkiye Cup this year, thus creating a lasting and inclusive social impact in different branches of sports.

As Ziraat Finance Group, with a productivity-oriented and strong financial structure, we will continue to support the areas that will provide the most added value to our economy, to contribute more to our country and our customers, and to prioritize being a dynamic and leading bank in the changing and developing financial system, in addition to the responsibility of having a long history and being the leading bank in the sector.

Our bank successfully completed 2025 thanks to the dedicated efforts of our employees and will continue to be the leading bank in our country in 2026. On this occasion, I would like to thank our employees and our customers and business partners who add value to us.