Operational Network of Ziraat Katilim

Ziraat Katilim conducts its operations in line with participation banking principles and, within this framework, develops high value-added products, services, and solutions. The Bank delivers these offerings to its customers through its strong branch network and distribution channels, supported by its competent human resources. Taking into account the evolving needs of diverse customer segments, Ziraat Katilim continuously enhances its product, service, and channel structure through value-generating solutions, while offering a wide range of products and services. Operating in accordance with a business model based on profitable, sound, and sustainable growth, the Bank continues to strengthen its customer reach through its extensive and diversified service network.

Extensive and Diversified Service Network

Ziraat Katilim delivers its participation banking activities through physical and digital service channels that span across the country. The Bank provides accessible, multi-channel services through a network structured to address the diverse needs of retail, commercial, private banking, and agricultural banking segments. With its Head Office in Istanbul, 225 domestic branches and 2 overseas branches and a total workforce of 3,140 employees, the Bank serves more than 1.5 million customers. This extensive structure supports uninterrupted access to different customer groups.

Ziraat Katilim's branch structure consists of retail, commercial, corporate, and international business lines. In 2025, the Bank expanded its service network by opening 17 new domestic branches and continues its operations through 200 retail branches, 19 commercial branches, 6 corporate branches and 2 overseas branches In addition, 8 Private Banking Portfolio (Corner) points operate within branches to support tailored service delivery aligned with specific customer needs.

Through its branch expansion activities, Ziraat Katilim aims to promote the widespread adoption of the interest-free finance system across the country. Branches located in provinces with intensive agricultural production contribute to improving access to financial services and supporting rural development. Through its overseas branches the Bank seeks to represent Türkiye in the global arena and extend participation banking activities beyond borders.

The Bank's service network is further supported by ATMs and digital channels. As of 2025, Ziraat Katilim has 138 ATMs, of which 134 are located within branches and 4 are in off-branch locations. The Bank is a member of Türkiye's ATM Center (TAM ATM) platform, which allows customers of public banks to perform transactions free of charge. Through this integrated structure with public bank ATMs, Ziraat Katilim provides its customers with access to approximately 20,000 ATMs across Türkiye for free transactions.

Ziraat Katilim delivers its services through a multi-channel structure, including Mobile and Internet Banking, the Call Center, and 10,393 POS terminals. Within this structure, Katilim Mobil serves as the Bank's main digital service channel and its gateway to the digital world. Through Katilim Mobil, customers can perform retail and corporate banking transactions quickly and securely on a 24/7 basis and can instantly communicate with customer representatives via the Live Support service. Digital channels are utilized as a key component supporting customer experience.

Banking transactions can also be carried out via the Customer Communication Center at (0850) 220 50 00. As part of Ziraat Katilim's "unlimited and timeless banking" approach, the Customer Communication Center is one of the service channels offered via telephone, enabling customers to perform their transactions 24/7.

Ziraat Katilim continues to enhance its activities delivered through its branch network to strengthen its service network. The Bank aims to further expand its branch network in the upcoming period, while also focusing on improving the quality and accessibility of services provided through digital channels. In this context, continued investments in infrastructure and business processes are planned.

Overview of Operations

Ziraat Katilim conducts its fund collection activities in line with the principles of interest-free banking. The Bank provides fund utilization through retail and corporate financing, financial leasing, profit-and-loss and labor-capital partnership investments, financing against goods and documents, as well as joint investments. Through the services it offers in corporate and retail banking, the Bank continues to position itself as a reliable solution partner for its customers. Delivering competitive and value-focused solutions across all business lines, from retail to commercial and agricultural banking, Ziraat Katilim contributes to the broader adoption of participation banking.

Ziraat Katilim continues its operations with a broad and diversified product and service structure that supports its activities. In addition to core banking services, the Bank also offers services in complementary areas such as insurance, investment, and payment systems, thereby reinforcing its integrated financial services approach.

The Bank offers environmentally focused financing products to its customers, designed with a sustainability focus, in order to support sustainable development, contribute to financing the green transition, and reduce dependency on external energy sources.