Resource and Cash Management

Ziraat Katılım, which manages the savings of individuals and legal entities in the most efficient way for the effective use of resources in line with its strategy based on the principle of “more as we share,” thereby reassuring its customers, carries out its activities in a structure prioritizing the duty to support the real sector in a way that directly contributes the collected funds to the trader, industrialist, entrepreneur, manufacturer, and agricultural sector.
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In 2024, the Bank displayed a productive performance by expanding its product range and increasing the available volume of cash management products, with many new products designed and launched within the scope of resource and cash management services.

Operations in 2024

In 2024, Katılım Dijital, Instant Daily Account, Daily Participation Account, Accumulating Savings Account, MoneyGram, DDS Developments, Supplier Financing System, Pool Account, Rent Account, Secure Payment System, Stock Trading Transactions, Stock Transfer-Public Offering Transactions, and new insurance products were developed and made available to customers.

Accumulating Savings Account

The Bank aims to strengthen its customer base with products such as Hajj Account, Umrah Account, Education Account, etc., within the scope of the Accumulating Savings Account, which allows customers to utilize their savings for a specific purpose in certain periods.

MoneyGram

With the protocol signed with MoneyGram, the Bank’s customers were able to benefit from alternative payment services.

Stock Transactions

Ziraat Katılım completed its integration with Ziraat Yatırım in order to provide stock trading brokerage services to its customers through Ziraat Yatırım and in line with the participation principles, and started to carry out stock trading and stock transfer, and public offering transactions.

State-Subsidized Agricultural Insurance

The Bank completed its system integration for the issuance of TARSİM policies. State-subsidized agricultural insurance contracts are issued in accordance with the participation principles through member insurance companies and/or agencies holding participation insurance licenses. All transactions related to these policies are carried out under the supervision of the Advisory Committee and in line with the participation principles.

DDS Transactions

Ziraat Katılım aims to increase its efficiency and product diversity by integrating the latest technologies into its business processes. In 2024, the Bank shortened and centralized DDS definition processes in this context and achieved a 119% increase in the number of main dealers, a 246% increase in the number of dealers, and a 472% increase in invoice collection volume year-on-year.

Invoice and Institution Payments

Ziraat Katılım offers its customers the convenience of automatic payments through digital channels by intermediating invoice and institutional payments.

Insurance Products

With the improvement of insurance processes and the contribution of new insurance products, the Bank increases commission income from insurance agency activities while maximizing customer satisfaction.
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In line with its goal of encouraging society to save, the Bank continued to offer its customers the State-Subsidized Dowry Account and State-Subsidized Housing Account products issued by the Ministry of Family, Labor and Social Services and the Ministry of Treasury and Finance.

Ongoing and Planned Activities in 2025

Ziraat Katılım plans to continue its product development endeavors in 2025 by accurately identifying customer needs and making data-driven decisions, and to offer fund and cash management products that will proactively meet customer needs. Ongoing and planned activities include Shared Account, Site Dues Management, Supplier Financing System with defense industry companies, Eximbank Receivables Insurance integration, and Reserve Account products and services.