Key Indicators (Economic, Environmental, Social)

Economic Indicators (TL million)

(TL million)	2022	2023	Change (%)
Liquid Assets	391,244	731,312	86.9
Securities Portfolio	588,320	981,219	66.8
Cash Loans*	1,266,351	1,971,572	55.7
Deposits	1,739,269	2,935,323	68.8
Non-deposit Sources	251,986	377,360	49.8
Shareholders’ Equity	202,480	331,249	63.6
Interest Income	220,630	427,255	93.7
Interest Expense	99,147	297,658	200.2
Net Profit	41,092	89,851	118.7
Total Assets	2,311,665	3,800,385	64.4

*Excludes expected loss provisions.

Ziraat Bank’s Market Shares

TOTAL ASSETS 16.1%	SECURITIES PORTFOLIO 21.3%
CASH LOANS 15.8%	DEPOSITS 18.7%
NON-DEPOSIT SOURCES 9.5%	SHAREHOLDERS’ EQUITY 15.4%

Market Share (%)	2022	2023
Total Assets	16.1	16.1
Securities Portfolio	21.1	21.3
Cash Loans	15.9	15.8
Deposits	18.7	18.7
Non-deposit Sources	10.0	9.5
Shareholders’ Equity	14.4	15.4

Environmental Indicators

GHG EMISSIONS INTENSITY
(tCO₂e/Net Interest Income)
0.00000121

WASTE PAPER SENT FOR RECYCLING
(tonnes)
853

GREENHOUSE GAS EMISSIONS
(tCO₂e)

Scope 1
44,733.85

Scope 2
60,908,87

Scope 3
51,166.73

WASTE IT PRODUCTS SENT FOR RECYCLING
(tonnes)
72

TOTAL EMISSIONS
In contrast with 2022, Ziraat Bank included its foreign branches in its scope of work during 2023. In addition to the previous year, purchased goods and services, fixed assets, upstream transportation, product use and end-of-life emissions of products were also added to the 2023 greenhouse gas inventory.

ZERO WASTE CERTIFICATE
(Number of facilities with certification)
1,476

Social Indicators

HUMAN RESOURCES AND TRAINING
EMPLOYEES 25,904	ZIRAAT FINANCE GROUP EMPLOYEES 36,549
NEW HIRES IN 2023 2,701	UNIONIZATION RATE 90%
AVERAGE CLASSROOM TRAINING PER PERSON (Hour) 24.24	AVERAGE TRAINING PER PERSON (Hour) 34.59
DIGITAL CATALOG CONTENTS more than 6,000 e-learning contents

CORPORATE SOCIAL RESPONSIBILITY
NUMBER OF ARTWORKS IN ZIRAAT BANK’S PAINTING COLLECTION +2,500	ZIRAAT BANK BANKING MUSEUM ZIRAAT BANK İZMİR ART MUSEUM MEDENİYET UNIVERSITY ZIRAAT BANK LIBRARY ZIRAAT TURKISH CUP ZIRAAT VOLLEYBALL TEAM
BRAND AND REPUTATION MANAGEMENT Numerous Corporate and Thematic Advertising Films Customer Satisfaction Survey	ZIRAAT BANK ON SOCIAL NETWORKS (as of 2023) More than 2.3 million likes and followers on Facebook More than 458,000 followers on Twitter More than 250,000 followers on Instagram

CORPORATE SOCIAL RESPONSIBILITY

NUMBER OF ARTWORKS IN ZIRAAT BANK’S PAINTING COLLECTION
+2,500

ZIRAAT BANK BANKING MUSEUM

ZIRAAT BANK İZMİR ART MUSEUM

MEDENİYET UNIVERSITY ZIRAAT BANK LIBRARY

ZIRAAT TURKISH CUP

ZIRAAT VOLLEYBALL TEAM

BRAND AND REPUTATION MANAGEMENT
Numerous Corporate and Thematic Advertising Films

Customer Satisfaction Survey

ZIRAAT BANK ON SOCIAL NETWORKS
(as of 2023)

More than 2.3 million likes and followers on Facebook

More than 458,000 followers on Twitter

More than 250,000 followers on Instagram