Strategies |
Definition |
Summary of 2023 |
Section in the Report |
Stable Growth |
To remain a pioneer in the sector with a selective credit policy and effective use of resources |
- Total assets: TL 3,800 billion
- Cash loans: TL 1,972 billion
- Deposits: TL 2,935 billion
- Increase in cash loans: 55.7%
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The Business Model of Future |
Continuous improvement of our business model to offer our customers the most advanced technology-oriented solution proposals |
- Work to establish Ziraat Finansal Teknolojiler Ödeme Hizmetleri ve Elektronik Para A.Ş.
- Ziraat Super Branch
- Work to establish Ziraat Dinamik Banka A.Ş.
- Including legal customers in the remote customer acquisition process
- Live Answer Customer Representative
- Secure verification of certain transactions with the new ID Card NFC feature
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Advanced Technological Infrastructure |
To continue to work with an advanced technological infrastructure |
- Structuring of the Cyber Security Center
- Software-based network infrastructure in branches
- Standardization of analytical platforms
- Anomaly detection studies with Machine Learning algorithms
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- Digital Banking
- Information Security Management
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Efficient and Lean Processes |
Continuous improvement of business processes by integrating with the latest technologies |
- Robotic process automation application
- The OPI application, which allows customers’ transaction orders to be transmitted directly to the Operations Center through the Internet Branch and Mobile Banking.
- Integration of Foreign Trade Transactions into the OPI
- ZFG Mobile App for employees
- The in-house Virtual Assistant, BİLGE
- Mobile approval
- Allowing electronic inquiry of inheritance documents and signature circulars in integration with the Turkish Notaries Union.
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- Digital Banking
- Retail Banking
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Developing Organization and Satisfied Employees |
Continuously increasing our organizational efficiency with happy employees who have a strong corporate culture by constantly improving our employee experience by focusing on our Development-Oriented Career and Talent Management approach |
- E-learning content of over 6,000 items offered to employees
- Banking School Graduate Program carried out in cooperation with Ankara University
- Data Science with Artificial Intelligence Certificate Program
- FRM Certificate Program
- PMP Certificate Program
- Scrum Master and Scrum Product Owner Certificate Program
- Training to raise financial awareness on the bank’s website
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- Human Resources and Training
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Platform Banking |
To offer customers services which will be available to them at every moment and on every platform, within the framework of the service models of future |
- Ziraat Super Platform
- Integration into open banking systems
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A Global Bank |
To maximize customer satisfaction by creating integrated financial solutions in all countries where the Ziraat Finance Group operates |
- The International service network was established with foreign branches and subsidiaries
- The Key Global Project, initiated to bring the main banking applications used by foreign units to Ziraat Finance Group standards.
- Internet Branch and Mobile Banking investments in foreign branches
- Infrastructure projects carried out to monitor information systems continuity in foreign branches and subsidiaries
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Responsible Banking |
To integrate the principles of environmental and social risk governance into the business model |
- Implementation of Environmental and Social Risk Assessment in investment projects, in line with the principle of Environmental and Social Impact Management being an integral part of the sustainability policy
- First sustainability reporting to the Carbon Disclosure Project (CDP)
- Sustainability themed syndicated loan
- Sustainable loan product
- Work on the Ziraat Bank Solar Power Plant
- Support for social responsibility projects
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- Financial Sustainability
- Environmental Sustainability
- Management of Environmental and Social Impacts
- International Banking
- Corporate Social Responsibility
- Summary Board of Directors Report
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