Financing Products Management

Financing products management activities are carried out to address customers' end to end financing needs in line with participation banking principles. Within this framework, tailored financial solutions are developed for both retail and corporate customers, and a data driven decision making approach is adopted to respond proactively to sectoral and customer needs. Maintaining up to date technological infrastructure in product development processes and investing in innovative solutions are prioritized, while enhancing customer satisfaction remains a key focus area.

The Bank's financing product portfolio is structured to cover financing needs across agriculture, trade, export, industry, SMEs, and retail segments. As of 2025, newly introduced products and support packages are listed below:

Subsidized and non subsidized Agricultural Financing is offered to support access to finance for individual and corporate producers operating in the agricultural sector, covering the purchase of goods and services used in agricultural production activities. Through this financing, producers are provided with repayment plans aligned with the production cycle, the opportunity to benefit from fixed profit share rates in terms of transaction amount and maturity, and the possibility of obtaining discounts for advance payments.

Under the Financial Leasing Support Package, financing is provided for machinery and technological equipment investments to meet the investment needs of businesses operating in the industrial and commercial sectors. This package is designed to facilitate access to finance for companies aiming to expand existing facilities, modernize operations, invest in new production areas, or develop projects to enhance energy efficiency, and disbursements continue within this scope.

For retail customers' investment needs, the Easy Fund Financing product is offered, enabling the financing of funds composed of securities compliant with participation banking principles and standards. Through this product, access to investment instruments is facilitated, and the evaluation of savings in line with participation principles is supported.

Under the Advantageous Commercial Financing product, a flexible financing infrastructure is provided to enable customers to access favorable financing conditions. Through this structure, it is aimed to support the liquidity management of commercial customers and to meet their short term financing needs in line with participation banking principles.

Public partnerships hold a significant place in financing products management activities. In this context, collaborations are carried out with KOSGEB, KGF, KFK, Eximbank, the Central Bank of the Republic of Türkiye, and the Islamic Development Bank. Through these collaborations, it is aimed to effectively deliver public supported financing mechanisms to customers and contribute to economic development.

The main publicly supported financing products offered in 2025 are as follows:

• Eximbank Export Support Financing
• KFK Treasury Export Support Package
• KFK Treasury Investment Support Package
• KFK Treasury Operating Expenses Support Package
• KFK Shareholders' Equity Based Operating Expenses Support Package
• KFK Shareholders' Equity-Based Support Package for Micro Enterprises and Women Entrepreneurs
• KOSGEB Capacity Development Support Program
• KOSGEB Global Competitiveness Support Program
• KOSGEB SME Financing Support Program with Employment Commitment
• TOBB Nefes Financing Support Package
• Defense Industry Support Package
• Defense Industry Suppliers Financing

The Emergency Working Capital Support Financing product, launched in 2024 in cooperation with the Islamic Development Bank (IsDB) to meet the working capital needs of SMEs in Türkiye, continued to be disbursed in 2025. Through the funding allocated to the Bank by the IsDB under the guarantee of the Republic of Türkiye Treasury, support was provided to the cash flows of businesses operating in economically vulnerable sectors, contributing to the preservation of employment and the continuity of production.

In order to support foreign trade, Export Financing products are offered to enable SMEs and non SME enterprises that are members of exporters' associations to access long term financing with favorable profit share rates. Since 2024, under the Pre Shipment Export Financing product, support has been provided to businesses against firm export commitments using limits allocated to Ziraat Katilim by Eximbank. In addition, Eximbank Export Support Financing was introduced in 2025 to enable exporters and manufacturers to access funding resources allocated by the Central Bank of the Republic of Türkiye in compliance with participation banking principles. Through these products, it is aimed to support the cash flows of exporting companies and enhance their competitiveness in international markets.

In order to support women entrepreneurs' access to finance, the KFK Shareholders' Equity-Based Support Package for Micro Enterprises and Women Entrepreneurs is implemented. Furthermore, for women producers operating in the agricultural sector, an additional 15% profit share discount is provided on top of the base discount rate applied to subsidized agricultural financing. These practices aim to strengthen an inclusive financing approach.

Within the scope of financing products management, the introduction of new products centered on digitalization and customer focus is planned for 2026 and beyond. In this context, the following products are targeted to be launched:

• Commercial Easy Fund Financing
• E-Commerce Financing
• Digital Vehicle Financing
• Easy Account
• Tax and Social Security Premium Financing

Through these initiatives, it is aimed to simplify financing processes, enhance access through digital channels, and strengthen the Bank's competitive position.