Ziraat Katılım continues to provide reliable service to a wide customer base by constantly updating its technological infrastructure.
Ziraat Katılım continues to develop customer-oriented solutions with innovative products offered through digital channels.
Ziraat Katılım aims to develop new products and services delivering customized financial solutions and proactively meet both sector‑specific and customer needs through data‑driven decision‑making.
The Bank continues to develop customer-oriented solutions with innovative products offered through digital channels. It continues to provide reliable service to a wide customer base by constantly updating its technological infrastructure. During each product development process, analyses are conducted on the end-to-end management of non-branch channels or applicable parts of the product through digital channels, user experience is evaluated, and digital channel integration is ensured to enable customers to access products/services quickly, seamlessly, and online.
Financing applications provided through digital channels increase efficiency by making conventional financing processes more accessible and convenient.
Financing Products Supporting Exports and Exporters
Ziraat Katılım supports exports and contributes to the economy with the financing solutions it offers to exporters, manufacturers, SMEs, and non-SMEs through its cooperation with Türkiye İhracat Kredi Bankası A.Ş. (Eximbank) and using its own resources.
The Bank cooperated with Eximbank under the Interest-Free Pre-Shipment Export Financing Program. Accordingly, the Bank aims to meet the pre-export financing needs of exporters and final producers of export-oriented goods, and continues to provide interest-free Pre-Shipment Export Financing (PSIF) support.
In addition, as a result of the negotiations between Eximbank and the Bank, an interest-free financial leasing program was established for SMEs and non-SMEs.
The Export Readiness Support Financing product was developed to meet the financing needs of companies in the export readiness phase by increasing their competitiveness. The product in question is provided for raw materials, finished goods, semi-finished goods, and other production expenses of exporter customers, and disbursements continue.
In order to contribute to the national economy, the “On Demand Export Financing” product was continued to be offered to provide SMEs and non-SMEs that are members of exporters’ associations with access to long-term financing with favorable profit share rates.
Cooperation Protocol with Katılım Finans Kefalet A.Ş. (KFK)
As part of the main protocol on equity guarantees signed with Katılım Finans Kefalet A.Ş., Ziraat Katılım finalized the new protocols detailed below and made the support packages available to its customers.
The “Equity Export Support Package” was developed to support access to finance for exporters or firms operating in the foreign currency-earning services sector, and disbursements continue.
The “Financial Leasing Support Package” was developed to support access to finance for companies that wish to expand or modernize their existing facilities, operate in new production areas, or invest in energy savings.
The “Sustainable Growth Support Package” was developed for the operating expenditures (production, raw materials, etc.) of SMEs and non-SMEs in order to encourage them to grow sustainably, improve their competitiveness, and increase their economic added value.
Emergency Working Capital Financing for SMEs
In return for the treasury guarantee of the Government of the Republic of Türkiye, the Islamic Development Bank (IDB) management provided a resource allocation in favor of the Bank. In this context, in order to mitigate the ongoing negative effects of the pandemic, the “Emergency Working Capital Financing” package to support SMEs in Türkiye continues to be offered.
Financing Products for Individual and Legal Entity Customers
In order to meet the financing needs of individual customers, the development of a new product, Investment Fund Financing, was completed.
Based on the collaboration agreement concluded between Türkiye’nin Otomobili Girişim Grubu A.Ş. (TOGG) and the Bank, the “TOGG Vehicle Financing” product was continued to be offered to meet the financing demands of real persons who want to purchase the national automobile brand TOGG.
In order to provide our customers the opportunity to own a house at favorable financing terms, “My First House Financing” and “Extended House Financing” products continue to be offered.
Needs Financing for Retirees” product, which aims to finance the needs of retired customers with favorable profit rates and repayment options, continue.
The “Housing Finance for Non-Residents” product was developed to finance the purchase of real estate in Türkiye by natural persons residing abroad who are not citizens of the Republic of Türkiye.
The system development of the “Advantageous Commercial Financing Model” project was completed in order to offer pricing options under favorable conditions for the financing demands of legal entity customers.
Ziraat Katılım continues to offer Environmental Financing Products for financing green transformation, reducing energy dependency, and achieving sustainable development.
Financing Support for Enterprises Affected by Natural Disasters
In order to provide financial support to enterprises affected by natural disasters, the following Protocols were signed between KOSGEB and Ziraat Katılım and their disbursements were completed;
Amasya, Kastamonu, Sinop and Samsun Provinces Emergency Support Financing Program,
Bursa, İnegöl Emergency Support Financing Program,
Istanbul, Bursa, Düzce, Diyarbakır, Batman, and Zonguldak Provinces Emergency Support Financing Program,
Earthquake Emergency Support Financing Program for 2023.
Support for Women Entrepreneurs
The Bank launched the Women Entrepreneur Support Financing product to support women entrepreneurs who add value to the economy. Within the framework of this financing product, natural person sole proprietorships or legal entities whose shares are at least 51% owned by women as of the application date can benefit.
Sustainable Financing Products
Ziraat Katılım continues to disburse Environmental Financing Products Under Sustainability in order to support endeavors in this regard by financing the green transformation, reducing the foreign dependence of the national economy on energy resources, contributing to sustainable development goals, and minimizing environmental damages.
Energy Efficiency Management Financing is offered to Apartment/Site Managements to finance investments made to increase the energy efficiency of buildings.
Individual Energy Efficiency Financing is offered to customers to finance their individual energy efficiency investments.
Green House Financing: In order to contribute to increasing the number of energy-efficient housing units in Türkiye, in addition to the Bank’s existing housing finance program, Green House Financing is offered to energy-efficient housing units with a more advantageous profit rate and allocation fee compared to other housing financing programs based on current conditions.
Green Vehicle Financing: In order to contribute to the environmental sustainability of our country and to promote low-carbon consumption, Green Vehicle Financing is offered for the purchase of electric or hybrid vehicles with a more advantageous profit rate and allocation fee compared to other vehicle financing based on current conditions.
SPP/Rooftop SPP/Licensed SPP Investment and Operation Financing was developed in consideration of the recent proliferation of solar electricity generation, licensed/unlicensed SPP installations, and requests of companies to invest in rooftop SPPs for their plants and factories.
Energy Efficiency Investment and Operation Financing is offered to provide companies with financing for the purchase of energy-efficient machinery/equipment and to meet their working capital financing needs.
Renewable Energy Investment and Operation Financing: Operating finance can be offered to companies holding licenses for electricity generation from renewable energy sources (wind, geothermal, hydraulic and biomass) to meet their working capital needs, and investment finance can be offered to companies investing in renewable energy to finance their investments.
Waste Water Treatment and Recovery Investment and Operation Financing: It is offered for the financing of new investments to be made by companies that generate wastewater as a result of their production processes in order to protect/improve the environment, prevent environmental pollution, and support environment-related investments.
Residential Thermal Insulation Financing: Within the framework of sustainability, it enables natural person customers to finance their thermal insulation and roof insulation expenditures under favorable conditions in order to increase the efficiency of the energy they use for heating in residential areas and to reduce their costs.
In 2025, the Bank plans first to complete the ongoing financing‑product and infrastructure‑development projects, and then to design and develop new financing products that align with customer and real‑sector expectations. It is aimed to achieve customer satisfaction and sustainable efficiency by prioritizing product development requests to be submitted especially through digital channels. Aiming to sustain the effective management of financing products, the Bank will continue its activities to diversify financing products, create inclusive products, establish new financing collaborations, and design products that quickly adapt to regulations.
Integrated Annual Report of Ziraat Katılım Bank covers the period from January 1, 2024 to December 31, 2024.
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