Sustainability Approach and Understanding

Ziraat Bank aims to create an inclusive financial structure that efficiently utilizes its resources and provides lasting value to the environment, society, and economy by integrating its extensive experience and knowledge into its business model in line with responsible banking principles. In this regard, the Bank aims to strengthen its strong position in the national market and increase its global competitiveness by developing projects that reflect the universal principles of sustainability in its corporate processes.

Ziraat Bank shapes its sustainability approach within the framework of economic, corporate, and social responsibilities by integrating its vision of being “more than just a bank” with environmental, social, and governance (ESG) principles.

While implementing its economic sustainability goals, the Bank manages resources and infrastructure based on environmental factors, risks, and opportunities. Combating the climate crisis and transitioning to a zero-carbon economy are among the Bank's strategic priorities; its business model is structured to contribute to the UN SDGs. In this regard, Ziraat Bank aims to play an active role in national and international sustainability initiatives, spreading sustainability awareness from its own value chain to the wider community.

Sustainability Policy

Ziraat Bank aims to promote, develop, and integrate sustainability throughout its entire value chain, making it an integral part of its corporate culture. The Bank manages its sustainability approach within the framework of its Sustainability Policy. This approach aims to generate economic value while contributing to the environment and society in line with responsible banking principles.

In this context, Ziraat Bank adopts a framework consistent with Türkiye's 2053 Net Zero Emissions target, Second National Contribution Statement, and the Paris Climate Agreement, to which it is a party; it aims to contribute to the goal of limiting global temperature increase to below 2°C, and preferably to 1.5°C. Through its economic, environmental, social, and governance practices, the Bank aims to contribute to Türkiye's SDGs.

In line with the general framework set out in its sustainability policy, Ziraat Bank continues its healthy growth as a competitive, strong, high market value bank integrated into the global financial system, guided by the principles of efficiency and responsible banking. The Bank embraces an approach based on the fair distribution of the value it generates and accumulates among its employees, customers, shareholders, and all other stakeholders; it shares its economic performance as well as its progress in corporate, environmental, and social areas with the public in line with the principle of transparency.

Key Elements of Ziraat Bank's Sustainability Policy

Dialogue with Stakeholders
Ziraat Bank conducts its relations with stakeholders in line with the principles of transparency, inclusiveness, and mutual benefit. While supporting employee development and equal opportunities, it focuses on customer-oriented financial inclusion and aims to spread awareness of sustainability in the supply chain.

Environment and Ziraat Bank
Ziraat Bank aims to manage the environmental impacts of its activities and address climate and water risks in line with international standards. Reducing emissions and resource efficiency are priority focus areas. As of 2025, electricity consumption is met by renewable energy provided by the Bank's unlicensed SPP.

Ziraat Bank has implemented practices to meet all of its electricity consumption by 2025 with electricity obtained from Ziraat SPP projects and used for its own consumption.

In this context, Ziraat Bank has continued its efforts to efficiently use all natural resources consumed in its service cycle, particularly energy, in 2025, prioritizing the fulfillment of its energy needs from renewable energy sources.

Sustainability in Products, Services, and Processesk
The Bank considers the environmental and social impacts of its products and service processes; it aims to increase efficiency and offer solutions that support financial inclusion through digital transformation and sustainable technologies.

Contribution to Society and Ziraat Bank
Ziraat Bankası, yaygın hizmet ağı ve kapsayıcı finansman yaklaşımıyla toplumsal gelişime katkı sağlamayı ve uzun vadeli sosyal etki üretmeyi amaçlamaktadır.

The Ziraat Bank Sustainability Policy can be accessed at T.C. Ziraat Bank A.Ş. Sustainability Policy (ziraatbank.com.tr).

Sustainability Management System (SMS)