Our Milestones

Ziraat Katılım expanded its branch network, reaching a total of 208 branches across Türkiye in 2024.

2015

As the first publicly funded participation bank, the Bank began operations on 29 May 2015, followed by a grand opening with the participation of President Recep Tayyip Erdoğan.
Ziraat Katılım became the first participation bank to receive Participation Banking Activity Ratification Certificate approving compliance of the general framework of our operations with the Principles of Participation Banking.

2016

Ziraat Katılım proudly completed its first year, a full of firsts, with a net profit of TL 30.7 million.
The first profit-loss sharing partnership was carried out in different sectors.
The first Sukuk issuance was undertaken by establishing an Asset Leasing company.
The first Murabaha Syndication took place.

2017

Ziraat Katılım continued to take firm steps to reach its goals of sustainable profitability and efficiency and recorded a profit of
TL 159 million.
Ziraat Katılım founded its second subsidiary ZKB Varlık Kiralama A.Ş.
FILIKA (Limited Financing Card) has been offered to customers.
Transition to TFRS 9 has been completed.
A project financing transaction has been performed through “İstisna” product in the participation banking sector.
Ziraat Katılım started the Gold Collection Days.

2018

Ziraat Katılım concluded the year with stable growth, recording a net profit of TL 323 million.
The bank signed a cooperation agreement under the “Joint Investments Model,” making a first for both the banking sector and the country.
Ziraat Katılım became the first participation bank to mediate in the issuance of the Gold Lease Certificate.
The number of branches increased to 80 branches in 41 different cities.
The necessary permits were obtained for the transfer of Ziraat Finansal Kiralama A.Ş. to Ziraat Katılım.
In accordance with the agreement made between all public banks, including Ziraat Katılım, the “free use of a Common ATM” system was implemented, and the protocol was signed.

2019

Ziraat Katılım continued its healthy growth with its effective and efficient balance sheet management and completed the year 2019 with a net profit of TL 516.7 million.
Ziraat Katılım completed a Murabaha Syndication transaction at an amount of USD 250 million for the third time.
Ziraat Finansal Kiralama A.Ş. was transferred to Ziraat Katılım as of March 1, 2019.
Subordinated loans were secured from T.C. Ziraat Bankası A.Ş. and Türkiye Wealth Fund.
Virtual POS product was launched for customers.
”Mobile Financing” option was launched to conduct financing transactions through the Katılım Mobile application.

2020

Ziraat Katılım reached a total asset size of TL 60.2 billion.
The Sudan Branch, the bank’s first international branch, commenced operations.
Work on the new payment system, FAST (Instant and Continuous Transfer of Funds), was completed. The system allows the Bank’s customers to perform money transfers between their accounts in different banks 24 hours a day, 7 days a week.
Through its subsidiaries Ziraat Katılım Varlık Kiralama A.Ş. and ZKB Varlık Kiralama A.Ş., Ziraat Katılım realized approximately
TL 12.6 billion in lease certificate issuances in TL terms in the local market.

2021

Ziraat Katılım’s asset size reached TL 98.3 billion in 2021.
A lease certification issue of TL 300 million was realized through public offering for the first time.
A subordinated loan of TL 500 million was obtained from the main shareholder T.C. Ziraat Bankası A.Ş.
A new product, Eli Bol (Generous) account was launched for customers.
Currency Protected TL Participation Account and Gold Conversion TL Participation Accounts were introduced.
Ziraat Katılım obtained three separate lease certificate issuance approvals from Capital Market Board at amounts of TL 12 billion, TL 15 billion and TL 1 billion to realize TL-based lease certificate issuances in domestic market with its subsidiaries Ziraat Katılım Varlık Kiralama A.Ş. and ZKB Varlık Kiralama A.Ş. In this context, a total of TL 11.4 billion in lease certificate issuances was realized.

2022

Ziraat Katılım’s assets increase by 117%, reaching TL 213.3 billion.
Paid-in-capital increased to TL 2.65 billion.
The Bank provides services in 55 cities in all regions with 155 domestic branches.
With the “Instant Financing” product, customers can easily and rapidly finance their purchases made from contracted stores through digital channels.
Currency Protected TL Participation Account with Conversion to Physical Gold and My Home (Yuvam) account within the scope of Currency Protected account were implemented.
Ziraat Katılım, along with its subsidiaries Ziraat Katılım Varlık Kiralama A.Ş. and ZKB Varlık Kiralama A.Ş., obtained four separate lease certificate issuance ceilings, two of them for TL 15 billion, one for TL 1 billion, and one for TL 12 billion from the Capital Market Board (CMB) to issue lease certificates in TL at the domestic market. In this context, a total of TL 16.1 billion of issuances were realized.
Establishing the sustainability management system.

2023

Ziraat Katılım’s asset base expanded by 80% to reach TL 384.3 billion.
The Bank increased its paid-in capital to TL 10.35 billion.
The Bank provides services through 189 domestic branches in 61 provinces throughout Türkiye.
The Start-up SME Insurance, Limit Protection Insurance, Corporate Package Insurance, Individual Assurance Insurance, Personal Accident Insurance, Entrepreneurial Support Insurance, Farmer’s Support Insurance, Farmer Friendly Insurance, Agricultural Finance Life Insurance, and State Supported Credit Insurance products have been added to the insurance product range and offered to customers.
The “SME Katılım Dijital” brand was created to facilitate ERP Solutions, Open Banking, and Smart Cash Flow financial transactions.
Ziraat Katılım’s share in the participation banking sector was 17.9% at the end of 2022, while it was 18.8% at the end of 2023. The Bank aims to increase its share in the sector in 2024.
Ziraat Katılım became a financial stakeholder of the New Home Housing Campaign.
Immediately after the devastating earthquakes that struck Kahramanmaraş on February 6th, work was carried out to meet all the needs of the Bank’s employees and their families. The situation of Ziraat Katılım employees and the branches was closely monitored by keeping in touch with the employees working in the region through Coordination with İSAD.
Sustainability policies have been published.
An environmental and social impact analysis was initiated in financing transactions.

2024

Ziraat Katılım’s asset base expanded by 34% to reach TL 515.3 billion.
In 2024, the bank expanded its domestic branch network, reaching a total of 208 branches across Türkiye.
In the field of digital banking, Ziraat Katılım launched the Web Developer Portal and developed open banking services.
The agricultural financing volume has increased by 435%, reaching TL 10.7 billion.
Ziraat Katılım has shared its first Sustainability Report with the public, highlighting its ongoing efforts and commitment to sustainability practices.
In line with social responsibility awareness, Ziraat Katılım, along with its employees, planted 2,000 saplings in Pendik Ballıca, Istanbul, creating the “Ziraat Katılım Memorial Forest.”
The protocol for the “Digital Istanbul” project, aimed at providing access to registered cultural assets in Istanbul through QR code technology, has been signed. As part of the project, information about the construction history, architect, and background of 200 mosques has been made accessible in digital format.