Corporate Banking

Ziraat Katılım Corporate Banking operates with the priority of providing services to corporate, commercial, and private segment customers by prioritizing the provision of services through the most accurate channel with a focused banking approach.
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Ziraat Katılım offers banking products and services to its corporate segment customers through 6 corporate branches in 3 different provinces and to its commercial segment customers through 17 commercial branches in 11 different provinces in accordance with the principles of participation banking. Continuing to stand by its customers with a customer-oriented service approach, the Bank provides services to corporate segment customers, in addition to commercial segment customers, through its commercial branches in provinces where it does not have a corporate branch. The Bank offers its Private Banking services to private segment customers in corner areas in 8 branches, including the corner areas, which were established in Alanya/Antalya and Florya/Istanbul branches in 2024.

End-to-end holistic Value Proposition

In 2024, as part of its Commercial Banking Value Proposition, the Bank completed the development of value propositions for a total of six products: contribution-based leasing, payment request, bulk payment, renewable energy insurance, fuel collection system, and cash/cheque collection. Total output was 36 projects and work was underway as of year-end 2024.
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As part of its Private Banking Value Proposition, Family Banking service, new consultancy services, customized financing products, Accumulating Savings Account, and Ziraat Portfolio Multi-Asset Participation Funds were launched in 2024.
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It is aimed to receive the pricing requests and approvals of corporate and commercial branches in the specified amounts meeting the specified criteria through the system upon the completion of the work enabling value-based pricing. It is therefore aimed to make pricing effectively, efficiently, and quickly and to save time by taking into account customer-based data, such as segment, rating, yield ratio, number of active products, collateral structure, and cross-product information.
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Ziraat Katılım serves in an organization empowering its customers, understands customer needs and expectations in the best way, and offers them the most appropriate solutions and value propositions through the most appropriate channel.
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In 2024, the Corporate Branch Banking continued to offer its customers cost packages, tax and social security collections, sustainability-themed financing products, and agricultural financing products having a high impact on profitability.
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In 2024, new Supplier Financing System (SFS) and Direct Debit System (DDS) agreements were signed between the Bank and corporate customers.

Financing support for agricultural production

In 2024, more than TL 1 billion in financing was provided for the purchase of goods and services needed by individual/legal entity producers engaged in agricultural production activities as part of Corporate Banking.

Financial leasing projects

While contributing to the financial development of its customers with the services it offers and achieving high customer satisfaction at the same time, the Bank continues to support the public and private sectors in financial leasing and investment areas in addition to its core banking activities.
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In 2024, in respect of financial leasing projects facilitated in 2023 and before and expected to be finalized for at least 6 months, projects amounting to TL 4.2 billion were finalized across the Bank, of which TL 2.2 billion was finalized within the Corporate Banking. In 2024, the Bank sold cross-products amounting to TL 57 million in relation to these finalized projects.

Proactive portfolio management

In 2024, in line with both the securities and growth-allocation communiqués, Ziraat Katılım focused on growth in TL financings, particularly net exporter, investment financing, and leasing–sale and leaseback products, by taking marginal costs into account, while also prioritizing growth in foreign currency financings. By closely monitoring the legal regulations, the Bank conducted marketing endeavors to get widespread and low-cost funds. The aim was to prevent an increase in the Bank’s funding costs and optimize the segment and corporate profit.
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The Commercial Branch Banking business family started 2024 with a total operating size of TL 91 billion, including TL 24.8 billion in funds and TL 66.1 billion in financing. As of year-end 2024, the Commercial Branch Banking business family recorded a year-on-year growth of 144% in TL current assets, 107% in FC participation assets, and 61% in total funds.

Products and services in compliance with the principles of participation banking

In 2024, Ziraat Katılım continued to offer diverse range of investment instruments where private segment customers can invest their savings. The Accumulating Savings Account was launched for customers who wish to invest their savings for retirement, education, and Hajj/Umrah. ZBI/Ziraat Portfolio Multi-Asset First Participation Fund and ZCK/Ziraat Portfolio Multi-Asset Second Participation Fund were launched to enable customers to invest their savings in accordance with participation banking principles. On the other hand, tailor-made financing products such as Boat/Yacht Financing, Education Financing, and FC-denominated Housing Financing were offered to customers.

In addition to the investment products and financing alternatives it offers, Ziraat Katılım aims to meet the expectations of its customers at the highest level by designing privileged consultancy services for Private Banking customers. In this context, The Bank has begun offering consultancy in new areas such as company valuation, software consulting, and the transportation of currency and precious metals.
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The process enabling customers to execute stock trades via the Ziraat Katılım Mobile application was completed. The Bank sustains its endeavors to integrate privileged products and services for special segment customers into the Katılım Mobile application and plans to enhance accessibility by differentiating the mobile application in terms of both design and content.

Expansion of Private Banking services with Family Banking

In line with the 2022-2025 Strategy Plan, Ziraat Katılım, which offers special investment strategies and innovative products for wealthy customers in the field of Private Banking, launched the Family Banking service, which allows the spouses and children of private segment customers to benefit from Private Banking services.

Private Banking website

In 2024, Weekly Financial Bulletins began to be published on the Private Banking website. It is envisaged that the website will be enriched with blog posts, up-to-date information, announcements, and educational videos on financial issues for special segment customers. Work is underway to create a platform on the new website comparing the daily/weekly/monthly/yearly rates of return of investment products.

2025 and Beyond

Ziraat Katılım aims to grow in cash financing by closely monitoring growth rates within the framework of securities facility communiqués. In 2025, the Bank aims to achieve sustainable and healthy growth performance by taking into account the budget items and will continue to ensure effective risk management of the financing provided through customer visits and close monitoring practices carried out by the branches.
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In 2025, Ziraat Katılım Corporate Banking plans to focus on its marketing endeavors to raise funds by offering innovative investment, treasury, and cash management products, in addition to its core banking activities. Furthermore, the Bank will continue to provide project and investment financing, financial leasing, import-export financing, and funding from the Islamic Development Bank, KGF, and KFK to both the public and private sectors.
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In 2025, the Bank will sustain its endeavors to promote customer and product activity in agricultural financing through instruments such as Direct Debit System (DBS), supplier financing, financing sourced from KFK, financial leasing, treasury products, and commercial credit cards.
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Expanding privileged consultancy services for Private Banking customers and differentiating the mobile application are among the future agenda items of the Bank. In 2025 and beyond, Value Proposition Projects, which were launched to manage customer assets more effectively within the scope of Private Banking, will continue to be developed and shared with customers, taking into account their demands and needs.