Responsible Products and Services

In 2024, Ziraat Katılım carried out financing product development activities by identifying customer and sector needs.

Ziraat Katılım increases and diversifies the number of SDG-related products and services under the guidance of participation banking principles. In 2024, the Bank carried out financing product development activities in order to meet financing needs through the most accurate channel by precisely identifying customer and sector needs.
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Financing products announced in 2024 are categorized as contributing to providing social development and benefits.

Sustainable Growth Support Package (KFK)
Emergency Working Capital Financing (IDB)
Special Needs Financing for Retirees

Retail products

Green House Financing, Green Vehicle Financing, Individual Energy Efficiency Financing, and Energy Efficiency Management Financing products continue to be offered to customers.

Commercial products

Energy Efficiency Investment Loan, Energy Efficiency Operation Financing, Renewable Energy Business and Investment Financing, Wastewater Treatment and Recycling Investment and Operation Financing are made available.
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Two financing products, namely Energy Efficiency & Wastewater Treatment and Recycling Machinery Investment and Renewable Energy Investments, are also continued to be offered to customers as financial leasing products.
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Ziraat Katılım designs sustainability-themed financing products, which

Provides funding for the green transformation, which is critical for the future of nature and society,
Contributes to reducing our country’s external dependency on energy resources and supporting the clean energy transition,
Contributing to the SDGs,

and continues to offer them to its individual and commercial customers.

Sustainability Themed Products

Sağa kaydırarak tablonun devamını görebilirsiniz.

Product	Contributed SDG
For Retail Customers
Green House Financing	The product aims to facilitate the proliferation of energy-efficient houses. In addition to Ziraat Katılım's current housing finance application, this product is provided to energy-efficient houses with more favorable terms compared to other financing options. It is available within the scope of financing the houses with an Energy Performance Certificate (EKB) and energy performance A and B classes.
Green Vehicle Financing	This product is designed to promote environmental sustainability and encourage low-carbon consumption. It is available for electric or hybrid (gasoline-electric) vehicle purchases. Based on the current conditions and in comparison to other vehicle loans offered by the Bank, it provides more favorable terms. The Green Vehicle Financing is available for vehicles labeled as electric or hybrid (gasoline-electric) on the pro forma/final invoice for brand-new vehicles and on the vehicle registration document for second-hand vehicles.
Individual Energy Efficiency Financing	This product is designed to finance energy efficiency investments to be made individually by customers and offers advantageous payment plans.
Energy Efficiency Management Financing	This product is designed for the financing of investments aimed at enhancing the energy efficiency of buildings by apartment and site management, with advantageous payment plans.
For Commercial Customers
SPP, Rooftop SPP, SPP Investment and Operation Financing	This product was developed with the aim of expanding electricity generation from solar energy. It is used to finance licensed/unlicensed SPP installations and rooftop SPP investments in companies' plants and factories.
Renewable Energy Investment and Operation Financing	It is available for companies that have a license to generate electricity based on renewable energy sources (WPP, GPP, HEPP and biomass) and companies that invest in renewable energy with operating financing within the scope of their working capital requirements.
Energy Efficiency Investment and Operation Financing	This is available for financing investments that involve the acquisition of energy-efficient machinery and equipment, as well as meeting working capital requirements for companies investing in energy efficiency.
Wastewater Treatment and Recycling Investment and Operation Financing	This product, which aims to protect and improve the environment, prevent environmental pollution, and support environment-related investments, is extended to companies, the production processes of which generate wastewater, to finance investments in new wastewater infrastructure, wastewater treatment, deep sea discharge, waste disposal, solid waste recovery facilities or investments for the improvement of existing facilities. Operation financing for working capital financing needs of companies investing in wastewater treatment and recovery is also considered under this heading.

For detailed and up-to-date information about sustainability-oriented products, please refer to our corporate website.
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In 2025, Ziraat Katılım aims to finance more projects that will create positive environmental and social impacts by increasing the diversity of responsible products and services offered to its customers.